JP2006285772A - Cash delivery system and cash delivery method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cash delivery system and method, providing convenience that cash can be appropriately acquired by use of a cash dispenser, without requiring consent of a third party such as a financial institution. <P>SOLUTION: In this cash delivery system, a server 10 of a company side and a server 20 of a trader side are communicably connected via a communication network 3, a cash delivery card 6 is supplied to an individual, and payment of the cash using the card 6 is admitted. When performing the payment of the cash to the individual by the card 6, the server 10 generates cash delivery request data including at least information about a payment amount of the cash and an identification code, and transmits them to the server 20. When the server 20 receives the cash delivery request data, the server 20 registers request contents in a storage part, and permits withdrawal of the cash by the card 6 after the registration. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a cash delivery system and method for easily delivering cash to an individual when, for example, a business operator as a debtor needs to pay cash to an individual as a creditor.

  Conventionally, when business operators deliver cash to individuals, cash delivery and remittance, postal money orders, checks, bills, etc., cash transfer, bank and post office bank accounts and cash transfers Various methods such as withdrawal by an automatic payment machine (ATM / CD) can be adopted.

  Among these, when delivering cash to many individuals scattered all over the country, in view of the development of information infrastructure and the state of ATM / CD network development, cash delivery by transfer to accounts of financial institutions, etc. The method is widely used because it is suitable from the viewpoints of efficiency, immediacy, safety, and the like. As described above, a method of delivering cash via an account of a financial institution of a payment target person using an account transfer service is considered to be effective.

For example, Patent Document 1 discloses a system in which a staffing company reads a staff ID from an IC card, associates the staff ID with work completion information and registers it in a system server, and the dispatching staff receives salary account transfer at an ATM. Yes.
Japanese Patent No. 3471334

  However, when a business operator as a debtor delivers cash to an individual who is a creditor, the method of passing through an account of a financial institution has problems as well as its convenience. In other words, the above method uses an account of a financial institution, etc., in spite of solving the settlement problem between the debtor and the creditor, but the operator delivers the cash to the individual. Approval is required for “opening and using an account” by a third party, and in order to obtain this approval, information on parties such as debtors and creditors must be disclosed to financial institutions.

  An object of the present invention is to realize the convenience that cash can be obtained appropriately using an automatic teller machine without requiring the consent of a third party such as a financial institution.

  In order to achieve the above object, in the first aspect of the present invention, the first and second servers are communicatively connected via a communication network, a predetermined information medium is supplied to an individual, and the information medium is used. A cash delivery system for accepting payment of used cash, wherein the first server includes an identification code of the information medium, a personal identification code for identifying an individual who has supplied the information medium, and cash payment information. And request information including at least the identification code and information on the amount of cash payment, when the cash is paid to the individual by the information medium. And a first control unit that controls the request information to be transmitted to the second server, wherein the second server stores at least the identification code and the cash payment amount. Memory A second control unit that, when receiving the request information, registers the content of the request information in the second storage unit, and controls to permit withdrawal of cash by the information medium after the registration; , A cash delivery system is provided.

  In the second aspect of the present invention, a cash delivery system in which the first and second servers are communicatively connected via a communication network, and a predetermined card is provided to an individual to allow payment of cash by a cash dispenser. The first server stores a card identification code of the card, a personal identification code for identifying an individual who has received the card, and cash payment information in association with each other. When cash is paid to the individual by the card with the storage unit, request information including at least the card identification code and cash payment information is generated, and the request information is sent to the second server. A first control unit that controls transmission, and the second server includes a second storage unit that stores at least the card identification code and the payment amount of the cash, and the request information. A second control unit that, when received, registers the content of the request information in the second storage unit, and controls to permit withdrawal of cash by the cash dispenser by the card after the registration; A cash delivery system is provided.

  In the third aspect of the present invention, in the second aspect, when the second control unit of the second server performs cash payment by the cash dispenser by the card, There is provided a cash delivery system further characterized by generating result information including at least a card identification code of the card and a payment result and transmitting the result information to the first server.

  According to a fourth aspect of the present invention, in the second or third aspect, the card is necessary for use in an in-card information storage unit composed of at least one of a magnetic tape and an IC chip and the cash dispenser. A cash delivery system, further comprising the card identification code for identifying the card in the in-card information storage unit.

  In the fifth aspect of the present invention, in a situation where the first and second servers are connected to be able to communicate via a communication network, a predetermined information medium is provided to an individual and payment of cash using the information medium is performed. The first server generates request information including at least the identification code and cash payment amount information when the first server pays cash to the individual using the information medium. And when the second server receives the request information, the content of the request information is registered in the second storage unit, and the request information is transmitted to the second server. There is provided a cash method characterized in that control is performed to permit withdrawal of cash by the information medium after registration.

  In the sixth aspect of the present invention, the first and second servers are communicably connected via a communication network, and a cash is paid by a cash dispenser by supplying a predetermined card to an individual. A cash delivery method using a delivery system, wherein in the first server, the first storage unit includes a card identification code of the card, a personal identification code for identifying an individual who has provided the card, and a cash payment amount. A request that includes at least the card identification code and information on the amount of cash payment when the first control unit pays cash to the individual using the card. Information is generated, and the request information is controlled to be transmitted to the second server. In the second server, the second storage unit reduces the payment amount of the card identification code and the cash. When the second control unit receives the request information, the second control unit registers the content of the request information in the second storage unit, and after the registration, the cash of the cash dispenser by the cash dispenser by the card is registered. There is provided a cash method characterized by controlling to allow withdrawal.

  In a seventh aspect of the present invention, in the sixth aspect, when the second control unit of the second server performs payment of cash by the cash dispenser by the card, There is provided a cash delivery method further characterized by generating result information including at least a card identification code of the card and a payment result and transmitting the result information to the first server.

  According to an eighth aspect of the present invention, in the sixth or seventh aspect, the card is necessary for use in an in-card information storage unit composed of at least one of a magnetic tape and an IC chip and the cash dispenser. A cash delivery method, further comprising the card identification code for identifying the card in the in-card information storage unit.

  According to the present invention, the object of the present invention is to realize the convenience that cash can be obtained appropriately using a cash dispenser without requiring the consent of a third party such as a financial institution. Delivery systems and methods can be provided.

  Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings.

  FIG. 1 is a configuration diagram of a cash delivery system according to an embodiment of the present invention.

  As shown in FIG. 1, the cash delivery system includes an operator side system 1, a cash delivery company side system (hereinafter referred to as a company side system) 2, and a cash dispenser 4. In more detail, the provider side system 1 includes a server 10 and a manager terminal 11, and the vendor side system 2 includes a server 20 and a manager terminal 21. The server 10 of the provider side system 1 and the server 20 of the supplier side system 2 are connected via a communication network 3 so as to be able to communicate. Further, the server 20 of the supplier side system 2 is connected to an automatic teller machine (ATM, CD, etc.) 4 via an interface system 22 and a communication network 5 so as to be communicable. In addition, this automatic teller machine (ATM, CD, etc.) may be generally arranged in the whole country.

  The detailed configuration of the server 10 of the provider side system 1 is as shown in FIG.

  That is, it comprises a communication control unit 100 that controls communication with the server 20 and the like via the communication network 3, a control unit 101 that performs overall control, and a storage unit 102 that stores various types of information. The storage unit 102 has a hierarchical structure including a personal information storage unit 102a, a debt information storage unit 102b, a card information storage unit 102c, and a delivery request / result storage unit 102d.

  More specifically, this hierarchical structure is as shown in FIG. That is, the personal information storage unit 102a stores a personal identification code for identifying an individual and personal attribute information in association with each other, and the debt information storage unit 102b stores a debt identification code for identifying a debt and a debt. An amount and a debt balance are stored in association with each other, and a card identification code for identifying the card and card attribute information are stored in association with each other in the card information storage unit 102c. The part 102d stores a delivery request history and a delivery result history. And in the memory | storage part 102, at least one part of the information which each part 102a-102d memorize | stores is linked | related and managed.

  The detailed configuration of the server 20 of the vendor side system 2 is as shown in FIG.

  That is, it includes a communication control unit 200 that controls communication with the server 10 and the like via the communication network 3, a control unit 201 that performs overall control, and a storage unit 202 that stores various types of information. And this memory | storage part 202 has the hierarchical structure by the provider information memory | storage part 202a and the drawer management information memory | storage part 202b. More specifically, as shown in FIG. 5, the business operator information storage unit 202a stores a business operator code and a card identification code in association with each other. On the other hand, as shown in FIG. 6, the withdrawal management information storage unit 202b is associated with the card identification code, withdrawal limit, delivery request receipt history (request number, delivery available period, etc.), and delivery history information. Is remembered. In the storage unit 202, at least a part of information stored in the units 202a and 202b is managed in association with each other.

  As will be described in detail later, actual cash delivery is performed by a cash delivery card as a portable information medium that includes a card identification code and can be handled by the cash dispenser 4.

  The structure of an example of this cash delivery card is as shown in FIG.

  That is, for example, an in-card information storage unit including at least one of the magnetic tape unit 6a and the IC chip 6b is provided. As shown in FIG. 8, at least a card identification code is stored in the in-card information storage unit.

  This cash delivery card has the system specifications and interface necessary for use with the cash dispenser 4, and the card issuer (operator), the card identification code in the information storage section in the card, etc. The data specification or the credit card specification of the credit company may be followed.

  The first server described in the claims is the server 10, etc., the second server is the server 20, etc., the first storage unit is the storage unit 102, etc., the first control unit is the control unit 101, etc. The unit corresponds to the storage unit 202 and the like, and the second control unit corresponds to the control unit 201 and the like. One example of the information medium corresponds to the cash delivery card. However, it is not limited to these relationships.

  In such a configuration, the operator side system 1 operates the administrator terminal 11 each time cash delivery is necessary, so that the personal identification code for identifying the person to be delivered is displayed as a debt amount or the like. The payment amount is associated and input, stored in the storage unit 102, and at the same time, the card identification information and the payment amount are extracted from the storage unit 102, the cash delivery request data as request information is edited, and the supplier side system 2 Send to the network via the network. That is, when requesting cash delivery from the operator side system 1 to the merchant side system 2 in this way, cash delivery request data as shown in FIG. 9 is transmitted from the operator side system 1 to the merchant side system 2. The This cash delivery request data includes a card identification code in the key part and has at least a delivery request amount, a request number, and a withdrawal period in the data part. When the merchant-side system 2 receives the cash delivery request data, it updates the contents of the withdrawal management information storage unit 202b of the storage unit 202 with the contents.

  On the other hand, the merchant-side system 2 receives information on the cash withdrawn from the cash dispenser 4 by the cash delivery card 6, edits the delivery result data, and transmits the data to the operator-side system 1. More specifically, when cash is delivered to the creditor, the merchant-side system 2 transmits delivery result data as shown in FIG. That is, this delivery result data has a structure including a card identification code in the key part and a delivery result (date, amount, payment device number, etc.) in the data part. Upon receipt of the delivery result data, the provider side system 1 updates at least the contents of the delivery request / result information storage unit 102d of the storage unit 102 with the contents thereof.

  Hereinafter, with reference to the flowchart of FIG. 11, the flow of information processing related to the provision and lending of a cash delivery card by the cash delivery system according to the embodiment of the present invention will be described in detail. First, when the cash delivery card 6 is provided from the merchant to the business operator, the merchant-side system 2 assigns a card identification code that identifies the cash delivery card 6. Then, the numbered cash delivery card 6 is provided to the business operator, and the business operator who provided the cash delivery card 6 to the business entity information storage unit 202a of the storage unit 202 of the server 20 of the supplier side system 2 is specified. The business operator code and the card identification code for specifying the provided cash delivery card 6 are registered in association with each other (step S1A). Subsequently, when registering the association between the personal attribute information and the card identification code, the business operator provides the cash delivery card 6 to the individual as the creditor, and the personal identification code and the card identification code of the card 6 provided. Are stored in the personal information storage unit 102a and the card information storage unit 102c of the storage unit 102 of the server 10 (step S1B).

  Next, with reference to the flowchart of FIG. 12, the flow of information processing from the occurrence of debt (necessity of cash delivery) to the cash delivery request by the cash delivery system according to one embodiment of the present invention in detail. explain. First, when registering the credit occurrence information, the establishment of a credit / debt relationship between the business operator and the individual will necessitate the delivery of cash. Accordingly, the debt information storage unit 102b stores (updates) information such as a debt identification code for identifying a debt, a debt amount, and a debt balance (step S2A). Subsequently, when the cash delivery request is made, the server 10 of the business entity side system 1 edits the cash delivery request data (FIG. 9) and transmits the data to the server 20 of the business operator side system 2. Then, the server 10 stores the information on the cash delivery request data in the delivery request / result storage unit 102d of the storage unit 102 (step S2B). When forming the cash delivery environment, when the server 20 of the merchant-side system 2 receives the cash delivery request data (FIG. 9), the card identification code and the cash delivery code in the withdrawal management information storage unit 202b of the storage unit 202 are received. The card identification code of the request data is collated, and the contents of the data that matches both are updated. Then, it instructs the interface system 22 with the automatic teller machine 4 to prepare for payment within the payment limit range for the cash delivery card 6 of the corresponding card identification code (step S2C).

  Next, with reference to the flowchart of FIG. 13, the flow of information processing regarding post-processing from the delivery of cash by the cash delivery system according to one embodiment of the present invention will be described in detail. When collecting cash withdrawal information, an individual withdraws cash from the cash dispenser 4 using the cash delivery card 6. And the information with which the cash was withdrawn from the automatic teller machine 4 is notified to the server 20 via the interface system 22 with the automatic teller machine 4 (step S3A). When processing the cash withdrawal information, the server 20 receives the withdrawal result information and stores the withdrawal management information storage unit 202b. At this time, the delivery limit is recalculated and updated (step S3B). In the delivery result management process, the server 10 receives the delivery result data (FIG. 10) as result information, stores the delivery result history information in the delivery request / result storage unit 102d, and stores the delivery result data in the debt information storage unit 102b. Information about the debt is updated (step S3C).

  As described above, according to the cash delivery system and method using the cash delivery card according to one embodiment of the present invention, cash can be delivered to a large number of individuals at the same time without using an account of a financial institution. As a result, the personal information of the individual who is the creditor receiving the payment does not pass to a third party such as a financial institution, and an account opening / The settlement of payments between the business operator as the debtor and a large number of individuals as the creditors will be completed without requiring compliance with the transaction. For this reason, the present system and method provide the society with the effect of providing flexible payment means and the effect of protecting personal information and realizing appropriate management.

  The embodiment of the present invention has been described above, but the present invention is not limited to this, and it is needless to say that various improvements and modifications can be made without departing from the spirit of the present invention. For example, in the above embodiment, an example in which a cash delivery card is used has been described. However, the present invention is not limited to this. A unique code corresponding to a card identification code is stored in a mobile phone or the like, and automatic cash payment corresponding to this is stored. It is also possible to deliver with a machine-like device.

It is a lineblock diagram of the cash delivery system concerning one embodiment of the present invention. It is a figure which shows the detailed structure of the server 10 of the provider side system 1. FIG. 3 is a conceptual diagram illustrating a hierarchical structure of a storage unit 102. FIG. It is a figure which shows the detailed structure of the server 20 of the supplier side system 2. FIG. It is a conceptual diagram which shows the memory content of the provider information storage part 202a. It is a conceptual diagram which shows the memory content of the drawer management information storage part 202b. 3 is a detailed configuration diagram of a cash delivery card 6. FIG. It is a figure which shows the memory content of the information storage part in a card | curd. It is a figure which shows the structure of cash delivery request data. It is a figure which shows the structure of delivery result data. It is a flowchart explaining the flow of the information processing regarding provision and lending of the cash delivery card by the cash delivery system which concerns on one embodiment of this invention in detail. It is a flowchart explaining in detail the flow of information processing from generation | occurrence | production of the debt (necessity of cash delivery) by the cash delivery system which concerns on one embodiment of this invention to the cash delivery request. It is a flowchart explaining the flow of the information processing about a subsequent process from the cash delivery implementation by the cash delivery system which concerns on one embodiment of this invention.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Provider side system, 2 ... Trader side system, 3 ... Communication network, 4 ... Cash dispenser, 5 ... Communication network, 6 ... Cash delivery card, 10 ... Server, 11 ... Terminal for manager, 20 ... Server, 21... Administrator terminal.

Claims (8)

A cash delivery system in which first and second servers are connected to each other via a communication network, and a predetermined information medium is provided to an individual and cash payment using the information medium is permitted.
The first server includes a first storage unit that stores an identification code of the information medium, a personal identification code that identifies an individual who has supplied the information medium, and cash payment information in association with each other. , When cash is paid to the individual by the information medium, request information including at least the identification code and cash payment information is generated, and the request information is transmitted to the second server. A first control unit to control,
The second server registers the content of the request information in the second storage unit when receiving the request information and a second storage unit storing at least the identification code and the payment amount of the cash. And a second control unit that controls to allow withdrawal of cash by the information medium after the registration. A cash delivery system in which the first and second servers are communicatively connected via a communication network, and a predetermined card is provided to an individual to allow payment of cash by a cash dispenser;
The first server stores a card identification code of the card, a personal identification code for identifying an individual who has issued the card, and information on a cash payment amount in association with each other, and Control to generate request information including at least the card identification code and information on the amount of cash payment and send the request information to the second server when cash is paid to the individual using the card. A first control unit that
When the second server receives the request information, the second storage unit stores at least the card identification code and the payment amount of the cash, and stores the request information in the second storage unit. A second control unit that registers and controls to permit withdrawal of cash by the cash dispenser by the card after the registration,
Cash delivery system characterized by that.   The second control unit of the second server, when cash payment is made by the cash dispenser by the card, results information including at least a card identification code of the card and a payment result. The cash delivery system according to claim 2, further comprising: generating and transmitting to the first server.   The card includes an in-card information storage unit composed of at least one of a magnetic tape and an IC chip, and an interface necessary for use in the cash dispenser, in order to identify the card in the in-card information storage unit The cash delivery system according to claim 2, further comprising a card identification code. In a situation where the first and second servers are communicatively connected via a communication network, a cash method for supplying a predetermined information medium to an individual and allowing payment of cash using the information medium,
When the first server pays cash to the individual using the information medium, the first server generates request information including at least the identification code and cash payment amount information, and the request information is stored as the second information. Control to send to the server,
When the second server receives the request information, the content of the request information is registered in the second storage unit, and control is performed so as to permit cash withdrawal by the information medium after the registration. , Characterized by cash method. A cash delivery method using a cash delivery system, wherein the first and second servers are communicatively connected via a communication network, a predetermined card is provided to an individual, and cash payment by an automatic teller machine is permitted.
In the first server,
The first storage unit stores at least the card identification code of the card, the personal identification code for identifying the individual who provided the card, and the information on the amount of cash payment,
When the first control unit pays cash to the individual using the card, the first control unit generates request information including at least the card identification code and cash payment amount information. Control to send to the server,
In the second server,
A second storage unit stores at least the card identification code and the cash payment amount;
When the second control unit receives the request information, the content of the request information is registered in the second storage unit, and after the registration, the cash withdrawal by the cash dispenser by the card is permitted. To control,
Cash method characterized by that.   The second control unit of the second server, when cash payment is made by the cash dispenser by the card, results information including at least a card identification code of the card and a payment result. The cash delivery method according to claim 6, further comprising: generating and transmitting to the first server.   The card includes an in-card information storage unit composed of at least one of a magnetic tape and an IC chip, and an interface necessary for use in the cash dispenser, in order to identify the card in the in-card information storage unit The cash delivery method according to claim 6, further comprising holding the card identification code.

Images