JP2012113341A - Cardless cash dispensation system and cardless cash dispensation processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a cardless cash dispensation system and method in which cash can be dispensed without using a cash card in a cash dispenser or the like installed in a financial institution.SOLUTION: A registrant terminal includes means which receives input of a transaction condition for permitting dispensation without a cash card to a specific dispensing person from an account of an account holder and transmits the transaction condition to an administrative server. The administrative server includes means which receives and stores the transaction condition from the registrant terminal and, when a dispensation request without the cash card is received from a cash dispenser, determines whether the dispensation is permitted on the basis of the stored transaction condition, and means which gives a permission of the dispensation to the cash dispenser. The transaction condition includes a name of the dispensing person, an allowable amount of dispensation, a transaction place including install place information of the cash dispenser that receives the dispensation, a transaction period determining a dispensation enabled period, and a one-time password number which is effective only for one time of dispensing operation.

Description

  The present invention relates to a cardless cash withdrawal system and a cardless cash withdrawal processing method that allow cash to be withdrawn without using a cash card with an automatic teller machine or the like installed in a financial institution.

  2. Description of the Related Art Conventionally, there has been disclosed a system and method that allow cash to be withdrawn using an ATM (Automated Teller Machine) installed in a financial institution using a mobile phone or the like without bringing a cash card.

  For example, in Patent Document 1, a management computer that has acquired data related to the current location of a user's mobile phone terminal transmits an automatic teller machine list of a desired use area to the mobile phone terminal, and the cash automatic selected by the user Transaction condition management data such as the deposit machine identifier, deposit account identifier, desired withdrawal amount, estimated transaction time calculated from the current location of the mobile phone terminal to the automatic teller machine selected by the user, generated password, etc. A banking processing method and system that allow a transaction only for a set scheduled transaction time are described.

  Further, in Patent Document 2, a part of attribute information is used by using attribute information constituted by a user-specific ID, password, e-mail address, date of birth, and mobile phone unique identification number registered for the mobile phone. If all match, send the imaged identification number to the user's mobile phone, and the displayed image is read and authenticated by the automated teller machine. ing.

JP 2004-303057 A JP 2009-245272 A

  However, the systems and methods described in Patent Document 1 and Patent Document 2 both authenticate using the mobile phone authentication data registered in advance when the user forgets to bring a cash card. Withdrawing from an account owned by the user urgently. In addition, these systems have a problem that they cannot be used unless a mobile phone is held instead of a cash card.

  Even if you don't have a cash card, you want to withdraw cash not only when you forget to bring your cash card, but also by a person who is not able to hold the cash card in the first place (for example, a relative) This also occurs when urgently sending money in cash to a friend or when a guardian wants to send money to a distant child or grandchild. It is not realistic for such a person to have a family card or agent card, and if a cash card is provided, personal information such as account transaction status and account balance will be known, as well as the amount to be withdrawn and the amount to be withdrawn. There is a problem that the time of money cannot be restricted. In addition, if the other person is hospitalized, an elderly person, a child, or the like, there is a possibility that the mobile phone is not held.

  In view of the above-described problems, the present invention provides a cardless payment method for a registered specific withdrawal person without giving the withdrawal person a cash card and even if the withdrawal person does not necessarily hold a mobile phone or the like. It is an object of the present invention to provide a system and method for permitting cash withdrawal from an account holder's account.

In order to solve the above-mentioned problems, the first invention provides a bank system including the following means for solving.
A bank system in which a registrant terminal that accepts registration data of an account holder who has an account with a financial institution, an automatic teller machine (ATM), and a management server are connected via a network, and the registrant terminal is Receiving an input of transaction conditions for permitting a specific withdrawal from the account holder's account without a cash card and transmitting it to the management server, the management server comprising: The means for receiving and storing the transaction conditions from the registrant terminal, and whether or not withdrawal is possible based on the stored transaction conditions when receiving a withdrawal request without a cash card from the automatic teller machine. A bank system comprising: means for determining; and means for granting a withdrawal permission to the automatic teller machine.

  According to the above invention, the account holder determines transaction conditions for allowing a specific withdrawal person to withdraw in advance and registers the transaction conditions in a management server using a registration terminal. However, cash can be withdrawn by inputting data that matches the transaction conditions from the ATM without having a cash card for the account and without having another portable terminal.

The above invention may further include the following means.
The transaction conditions include the name of the withdrawal, the withdrawal allowance, the transaction location including information on the installation location of the automatic teller machine that accepts withdrawals, the transaction period that defines the period during which withdrawals can be made, and one withdrawal Includes a one-time PIN that is valid only for operation.

  According to the above invention, in addition to the name of the withdrawal, the withdrawal allowance, the ATM location where the cash can be withdrawn, the date and time when the withdrawal is possible, and the one-time PIN that is valid only once, Therefore, when a withdrawal request is received, the system can easily determine whether or not it is a legitimate withdrawal party. Since hesitating to go to the designated place, the crime deterrent effect can be expected.

The above invention may further include the following means.
3. The bank system according to claim 2, wherein the withdrawal is permitted only when the withdrawal request amount that the withdrawal person intends to withdraw in the automatic teller machine matches the withdrawal allowance. .

  According to the above invention, the amount that the withdrawal person can withdraw at the automatic teller machine is limited to the case where the withdrawal amount matches the withdrawal allowance preset by the registrant. In this way, the withdrawal allowance itself can be given the role of a personal identification number.

The present invention can further include the following means.
The withdrawal is permitted only when the withdrawal request amount that the withdrawal person intends to withdraw in the automatic teller machine is a numerical value associated with the one-time personal identification number according to a predetermined rule. The bank system according to claim 2.

  According to the above invention, the amount withdrawn by the withdrawal in the automatic teller machine is limited to the case where it matches the numerical value associated with the one-time PIN. The association rule is determined in advance, and for example, only the amount of money such as a numerical value obtained by adding + n or −n to the wine time personal identification number, or a numerical value obtained by multiplying the personal identification number by m times or 1 / m is permitted. This makes it possible for the withdrawal person to store the withdrawal amount and the one-time password in association with each other, thereby reducing the risk of forgetting the one-time password.

The above invention may further include the following means.
The withdrawal allowance includes the total amount that can be withdrawn by the withdrawer and the amount that can be withdrawn in the range of the total amount.

  According to the above invention, the account holder can set the total amount permitted to be withdrawn and the amount of money to be withdrawn by dividing the total amount of withdrawals several times, so that a certain amount is sent to the family every month. In such a case, it is possible to prevent the withdrawer from using it too much at one time, and it is possible to complete the registration only once.

The above-described invention can further include the following means.
Means for allowing the withdrawal person to set a one-time PIN for the next withdrawal from the automatic teller machine when the withdrawal allowance is divided and set to allow withdrawal;

  According to the above invention, when the withdrawer makes divided withdrawals, the one-time password for the next withdrawal can be set. When split payments are set for a long period of time, the total amount tends to increase, but by doing so, the withdrawal holder's awareness of confidentiality at the time of withdrawal increases, and the account holder has a certain degree of trust. You can feel that you are receiving. Even if the registration data is stolen, the registration data does not include the personal identification number set by the withdrawer, so that a large amount of money can be prevented from being illegally withdrawn.

The above invention may further include the following means.
When the withdrawal person sets the one-time PIN, the amount withdrawn by the withdrawal machine with the automatic teller machine or the remaining amount of the withdrawal allowance is a number associated with a predetermined rule. Means for generating the one-time password;

  According to the above invention, the withdrawal number can be related to the current withdrawal operation by setting the withdrawal amount to the number associated with the predetermined rule. Can be forgotten to forget the password.

The above invention may further include the following means.
The withdrawal name includes a character string obtained by adding or converting an arbitrary character string to the withdrawal name of the withdrawal person, a nickname, or the name of the withdrawal person.

  According to the above invention, it is not necessary for the withdrawal person to input at the ATM by the name of the withdrawal person, but a nickname or nickname such as childhood or school age that only the account holder and withdrawal person can know, Alternatively, by adding a specific character string to the name or converting it with a specific character string, the withdrawal name can be used as the second personal identification number, and confidentiality can be improved.

Moreover, the system of said 1st invention can be grasped | ascertained also as invention of the cash withdrawal processing method in a financial institution as follows.
A cash withdrawal processing method for performing cash withdrawal management using a registrant terminal that accepts registration data of an account holder who has an account with a financial institution, an automatic teller machine, and a management server, the registrant terminal In the management server, receiving an input of transaction conditions for permitting withdrawal without a cash card for a specific withdrawal from the account holder's account, and in the management server, Receiving and storing the transaction conditions from the registrant terminal; receiving a withdrawal request without a cash card from the automatic teller machine; and determining whether or not to withdraw based on the stored transaction conditions. A cash withdrawal processing method comprising: a step of determining; and a step of granting a withdrawal permission to the automatic teller machine.

  According to the present invention, a cardless account holder's account is provided to a registered specific withdrawal person without giving the withdrawal person a cash card, and even if the withdrawal person does not necessarily hold a mobile phone or the like. Can be withdrawn in cash under certain conditions.

It is a figure which shows the outline of the cardless payment system which concerns on embodiment of this invention. It is a figure which shows the cardless withdrawal registration information and cardless withdrawal withdrawal information which concern on embodiment of this invention. It is a figure which shows the exchange between the registrant terminal 20 and the cardless payment management server 10 which concerns on embodiment of this invention. It is a flowchart which shows the internal process procedure at the time of payment of the cardless payment management server 10 which concerns on embodiment of this invention. It is a figure which shows another internal processing procedure at the time of payment of the cardless payment management server 10 which concerns on embodiment of this invention. It is a figure which shows an example of the cardless withdrawal registration screen which concerns on embodiment of this invention. It is a figure which shows an example of the cardless payment registration data confirmation screen which concerns on embodiment of this invention. It is a figure which shows the operation procedure (1) in ATM30 which concerns on embodiment of this invention. It is a figure which shows the operation procedure (2) in ATM30 which concerns on embodiment of this invention. It is a figure which shows the operation procedure (3) in ATM30 which concerns on embodiment of this invention. It is a figure which shows another example of the cardless drawer screen which concerns on embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same number is assigned to the same element throughout the description of the embodiment.

  FIG. 1 is a diagram showing an outline of a cardless dispensing system 1 according to an embodiment of the present invention. In this system, a cardless withdrawal management server 10 (sometimes simply referred to as a management server) is connected to the account holder's registrant terminal 20 via the network 40, and the cardless withdrawal management server 10 Installed in financial institutions, stations, hospitals, public institutions, department stores, supermarkets, convenience stores, etc. (hereinafter referred to as financial institutions, etc.) via network 41 (may include public lines in part) It is connected to a plurality of ATMs 30. The registrant terminal 20 is a terminal having means for inputting data on the registrant side, but the registrant received a request from the registrant at a store such as a financial institution even if the registrant does not have the terminal. It also means a terminal for a store clerk or operator to input.

  The cardless withdrawal management server 10 functions as a management server of this system, and as a cardless withdrawal registration information database (hereinafter referred to as DB) 11, a transaction ID and a card at the time of cardless transaction registration for each account number of the registrant. It has a means for recording less transaction conditions. Moreover, the cardless withdrawal management server 10 has means for recording withdrawal information associated with a transaction ID at the time of withdrawal for each registrant's account number as the cardless withdrawal and withdrawal information DB 12. The cardless withdrawal registration information DB 11 and the cardless withdrawal withdrawal information DB 12 may be configured as separate DBs or as a single DB.

  The transaction ID at the time of registration included in the cardless withdrawal registration information 11 is a unique ID generated by the system for each transaction condition when the account owner registers cardless withdrawal with respect to a specific partner. If the withdrawer is different, another transaction ID is issued. If the withdrawal conditions are the same, another transaction ID is issued. The transaction ID at the time of withdrawal is a transaction ID that is associated with the above transaction ID and that occurs for each withdrawal operation. In this system, it is desirable to handle the transaction ID at the time of withdrawal as a separate one so that the transaction ID at the time of registration can be divided and withdrawn. That is, one or more withdrawal transaction IDs can exist in one registration transaction ID.

  The transaction conditions included in the cardless withdrawal registration information DB 11 are information that defines conditions for the account holder to permit cardless withdrawals at the time of registration. As will be described later, the name of the withdrawal, In addition to the permissible amount of money and the one-time password (disposable password), it is also possible to specify a transaction location (ATM installation location) that permits cardless withdrawal, the transaction date and time, and the like. The withdrawal information included in the cardless withdrawal / withdrawal information DB 12 includes, as will be described later, transaction date / time, transaction location, withdrawal name, withdrawal amount, transaction status (normal or abnormal, Reason) is recorded.

The function of the cardless withdrawal management server 10 is typically a memory (RAM; Random).
A computer program stored in an Access Memory, ROM (Read Only Memory) or storage device is read and executed by a CPU (Central Processing Unit) built in the server device, and the executed program is stored in the memory or storage device. It is realized by reading and writing necessary data from the stored DB, and controlling other related hardware in some cases.

The registrant terminal 20 is a general terminal connected to a financial institution or the like via a network, and is a PC (Personal
Computer) or mobile phone. In this system, as long as the withdrawer has some means of contact with the account holder, it is not always necessary to have a terminal connected to the system. In this way, registration from the withdrawal side is unnecessary in advance in the system, and in principle it is possible to permit withdrawal to anyone.

  FIG. 2 is a diagram showing cardless withdrawal registration information and cardless withdrawal withdrawal information according to the embodiment of the present invention. FIG. 2A shows an example of a table constituting cardless withdrawal withdrawal information, and FIG. 2B shows an example of a table constituting cardless withdrawal withdrawal information. In addition, how to hold the data in the table and the configuration method itself are arbitrary.

  The cardless withdrawal registration information is a table in which transaction conditions and transaction IDs generated for each transaction condition are recorded for an account number owned by a registrant. The transaction conditions include the name of the withdrawal permitting withdrawal, the withdrawal allowance, the one-time PIN, the transaction location, the transaction date and time, and the like. The name of the withdrawal is not necessarily the real name but may be a nickname or the like. In this system, the name of the withdrawal is specified by inputting the same character string as the withdrawal name registered at the time of withdrawal. The name of the withdrawer is known only between the registrant and the withdrawer rather than the real name in order to prevent tricks such as taking the name of a child or grandchild or taking money from parents or grandparents in recent transfer fraud. A childhood or past nickname is preferred. In addition, a specific character string can be added to the withdrawal name, a specific character string can be deleted or converted, or the withdrawal name itself can be an arbitrary character string and used as a second password. . Of course, it is possible to combine with a mechanism for performing this confirmation by biometric authentication such as fingerprint, which is widely used in the current ATM, but in that case, it is necessary to register the withdrawal in advance.

  As shown in the figure, the allowable withdrawal amount may be registered separately as a total amount and a monthly amount. This is convenient because the registrant can handle the registration once in a case of a fixed amount of payment every month. When permitting withdrawals only once, as shown in the upper part of Fig. 2 (a), the withdrawal allowance (total amount) and withdrawal allowance (monthly) must match or the monthly amount is zero. To. In the case of permitting withdrawals in a plurality of ways, as shown in the lower part of FIG. 2A, it is possible to divide and register the total amount and the monthly amount. In this example, the total amount is 600,000 yen, 50,000 yen per month, and the withdrawal period is set to 12 months.

  The one-time password (disposable password) is a one-time-use password generated by the system when transaction conditions are set. Of course, the registrant may change the generated personal identification number on the registration screen. In any case, the registrant needs to give this one-time PIN to the withdrawal in advance. The means of contact should be telephoned or spoken directly and should not be written as much as possible.

  Further, the withdrawal allowance may be determined not only as a withdrawal limit but also as an amount that the withdrawal person can withdraw only at this amount. For example, if the withdrawal allowance is rounded down to 50,001 yen, the withdrawer can only withdraw from the ATM at an amount corresponding to this. By doing so, it is possible to have the password also serve as the allowance for withdrawal. Of course, the withdrawal allowance amount and the “withdrawal allowance amount” are defined separately, and the former may be the total withdrawal allowance frame, and the latter may be the allowance amount that can be withdrawn at a time.

  Also, the one-time password can be associated with the “withdrawal permission amount” described above. Specifically, the withdrawal allowance is determined by performing a predetermined calculation on the one-time password, or conversely, the wine time password is generated by performing a predetermined calculation on the withdrawal permission amount. For example, if the wine time PIN is 1234, the withdrawal permission amount is multiplied by 10 to 12,340 yen. On the other hand, when it is desired to set the withdrawal allowance amount to 50,000 yen, for example, the wine time code number is incremented by 1 or decremented to 1,50001 or 49999. However, this calculation is determined in consideration of the number of digits of the one-time PIN and the withdrawal unit of ATM coins. By doing so, the withdrawal person can store the withdrawal amount and the one-time password in association with each other, so that the risk of forgetting the one-time password can be reduced. In addition, this calculation is set to “Null”, the withdrawal allowance = one-time password, and the input of the one-time password itself can be omitted. It should be noted that a calculation rule for associating such a one-time personal identification number and a withdrawal permission amount is determined in advance so that it is not estimated by the registrant and the withdrawal party.

  The transaction date and time and transaction place in FIG. 2 (a) indicate that the registrant can specify in advance the period during which the withdrawal person can withdraw money and the place where the withdrawal can be made. Thereby, it can be set as the means of unauthorized use prevention with respect to persons other than the specified withdrawal person. The transaction date and time is the date and time during which the withdrawal party can actually go to the ATM and withdraw, and the transaction place is the location information of the ATM, typically the home of the withdrawal. This is the name of a bank or convenience store near the commuting destination or school destination. An ATM in the vicinity of a travel destination or hospital stay may be used. The registrant contacts the withdrawal person in advance and consults with the combination of the date and place where the withdrawal can be made, and inputs it to the system at the time of registration. Although multiple transaction locations and transaction dates can be registered, even if the withdrawal party knows the one-time PIN, he / she can only withdraw if the combination of the specified location and period matches. . This is very effective in preventing crimes for illegal withdrawals because the places and dates where withdrawals can be made are very limited.

  FIG. 2 (b) shows that a record of a withdrawal by the withdrawal person in the system is held as cardless withdrawal withdrawal information. As withdrawal information, for each transaction ID issued at the time of cardless withdrawal registration, the actual transaction date / time and location, the withdrawal name entered in the ATM, the actual withdrawal amount, and the transaction status Is recorded. As shown in the lower part of FIG. 2 (b), when it is permitted to withdraw a plurality of payments for one transaction ID (AAAAA-0002 in this example), the transaction at the time of registration. A suffix may be added to the ID, and this may be used as a transaction ID at the time of withdrawal (AAAAA-002-001 in this example).

  If the transaction was successful, “normal” is recorded in the transaction information column, but if there is an “abnormal”, the reason (withdrawer name mismatch, one-time PIN number mismatch) , Transaction place inconsistency, transaction date / time inappropriateness, withdrawal allowance exceeded, etc.) or one or more of them are recorded. When there is an “abnormal” transaction, the cardless withdrawal management server 10 notifies the registrant to that effect by one or more means registered in advance, and erases the one-time password in the transaction ID. To reissue a one-time PIN, the registrant must re-register or update the data.

  FIG. 3 is a diagram showing exchanges between the registrant terminal 20 and the cardless withdrawal management server 10 according to the embodiment of the present invention. Here, the registrant terminal 20 is a terminal (such as a PC or a mobile phone) for inputting data on the registrant side, but even if the registrant does not necessarily have it, it is requested by the registrant at a store such as a financial institution. It also means a terminal for input by a store clerk or operator who receives the request.

  First, a registrant to this system sends a login request and login data (login ID, password) from the registrant terminal 20 (hereinafter, terminal) to the cardless withdrawal management server 10 (hereinafter, management server). Get personal authentication. The personal authentication may be combined with other methods such as seal authentication and biometric authentication. If the authentication is OK, the management server transmits a main menu screen to the terminal, and the terminal displays the sent main menu screen.

  When the registrant selects “cardless withdrawal service” from the displayed main menu screen, the request is transmitted to the management server, and a cardless withdrawal registration screen is returned from the management server and displayed on the terminal. An example of this cardless withdrawal registration screen will be described later.

  When the registrant enters the necessary data (account number held by himself / herself, and the name or nickname of the permitted withdrawal, transaction allowance, transaction location, transaction date and time) on the registration screen, the management server The validity of the registration data is verified, and if it matches a predetermined condition, the authentication is normal. A transaction ID and a one-time password are generated and transmitted to the registration screen of the terminal. On the terminal side, the registrant confirms the registration data on the registration data confirmation screen, corrects it if necessary, and if it is finally OK, the management server stores the registration data in the DB.

  FIG. 4 is a flowchart showing an internal processing procedure at the time of withdrawal of the cardless withdrawal management server 10 according to the embodiment of the present invention.

  First, the cardless withdrawal management server 10 receives a cardless withdrawal service request from the ATM 30 in step S10. In step S11, it is searched whether there is registration data for cardless withdrawal from the input account number.

  If there is no registration data (step S12; No), the cardless withdrawal management server 10 displays an appropriate error message on the ATM 30, moves the processing to steps S18 and S19 in order to save and terminate the transaction record. If there is registration data (step S12; Yes), whether the withdrawal name input to the ATM 30 matches the data at the time of registration, whether the location information of the ATM 30 is the transaction place specified at the time of registration, It is checked whether the current time is within the registered transaction date and time range (step S13). If all the checked data do not match (step S13; No), the process proceeds to step S18.

  If all of the checked data match (step S13; Yes), the cardless withdrawal management server 10 further checks the input one-time PIN, and if it does not match (step S14; No), it is input again. If there is a mismatch for a predetermined number of times (step S16; No), the process proceeds to step S18 and the process is terminated.

  If the one-time passwords match (step S14; Yes), the cardless withdrawal management server 10 further checks whether the withdrawal amount requested by the withdrawal party is within the withdrawal allowable range of the registration data, If it is within the allowable range (step S15; Yes), it is determined that the transaction is valid, and in step S17, the ATM 30 is permitted to execute the withdrawal process. The ATM 30 receives the permission and pays out cash. In step S15, if the amount to be withdrawn is out of the allowable range, the withdrawal requester is requested to input again, and in step S16, if the discrepancy continues for a predetermined number of times, a transaction end message (error message) is transmitted in step S18. . Whether the transaction is normal or abnormal, the transaction data is recorded in step S19. In step S16, the one-time password and the withdrawal amount are required to be re-input a predetermined number of times, but as in steps S12 and S13, a re-input is not required and a transaction use end message is immediately issued. After the transaction record is saved, the transaction may be terminated.

  FIG. 5 is a diagram showing another internal processing procedure at the time of withdrawal of the cardless withdrawal management server 10 according to the embodiment of the present invention. In FIG. 5, a one-time password reset process is added in step S15A between step S15 and step S17 in FIG. The other steps are the same as those in FIG.

  Here, the cardless withdrawal management server 10 permits the ATM 30 to perform withdrawal processing if it is OK in steps S14 and S15 compared to the data registered for both the one-time PIN and withdrawal amount (step S14, S15). Before issuing S17), a one-time password reset process is performed (step S15A). One-time PIN resetting means that the withdrawals want to withdraw the withdrawal amount allowed several times (for example, the total amount of withdrawal amount and the monthly amount are both designated and registered, or One-time PIN for the next withdrawal without requiring the registrant to update the registration data (if you voluntarily divide and withdraw to prevent overuse) It is a function that can be set. It is dangerous to continue using the same password, and to prevent possible damage even if the registered data is stolen by some means. In particular, when monthly delivery is performed with this system, the total amount of the month may be at least quite large, so in that case, it is desirable to provide double or triple security.

  The reset of the one-time PIN is not performed after the withdrawal process is executed (step S17). The one-time PIN is not changed after the withdrawal process is completed. This is because setting is easy to forget. The resetting of the one-time password will be described in detail in an example of an ATM operation screen described later.

  FIG. 6 is a diagram showing an example of a cardless withdrawal registration screen according to the embodiment of the present invention. A registrant of this system can set transaction conditions for cardless withdrawal using such a registration screen from the registrant terminal 20.

  In the cardless withdrawal registration screen of FIG. 6, the registrant inputs an account number and an account holder who permits cardless withdrawal, a login ID and a password that have been previously applied. When the login is successful, a transaction condition setting screen is displayed as shown in a portion surrounded by a dotted line in the figure.

  The transaction conditions include a withdrawal name 101, a total withdrawal amount 102, a monthly withdrawal amount 103, a trading location 104, a transaction start date and a transaction end date and time (a transaction period It is necessary to input each item of the setting (106, 107, 108) regarding the one-time password. In order to simplify the input, the previously input content may be redisplayed on the initial screen.

  The withdrawer name 101 is a field for inputting the name or nickname of a person who is permitted to make a cardless withdrawal. As described above, the withdrawal name may be a real name, but is preferably an identifier known only to the registrant (account holder) and the withdrawal party. For example, it is not a current nickname but a nickname at an early age or a nickname in school days. Moreover, a secret keyword may be added to the real name or a specific character may be deleted. It is desirable that the “withdrawer name” be determined in advance by the registrant and the withdrawer. However, in the case of an unexpected partner or an emergency, it is necessary to make an arrangement only when a withdrawal request is received. I do not get. However, even in such a case, it is desirable that the registrant contacts the withdrawal person again by telephone or the like to prevent fraud, not the first contact.

  The withdrawal allowable total amount 102 is a column for inputting the total amount of money that can be withdrawn by the withdrawal person in this registration. Further, the withdrawal allowable amount every month 103 is a column for inputting a monthly limit amount when the total amount is drawn out every month. In this example, a total of 600,000 yen is permitted for withdrawal of 50,000 yen per month for one year. Of course, even if it is not every month, you may divide | segment by a fixed period like every week or every two months. By doing so, registration can be completed only once even when a fixed amount is sent continuously for a predetermined period each time. In addition, even if the registrant does not particularly register the divided withdrawals, the registrant can limit the withdrawal amount per time in order to prevent the withdrawal person himself from using too much at once. For example, as will be described in detail later, by allowing the withdrawal party to update the one-time PIN for each withdrawal, withdrawals can be divided into multiple times within the allowable withdrawal total amount. it can.

  In the column of the transaction place 104, information on an ATM installation place where the withdrawal person can make a cardless withdrawal is designated. It is desirable that an ATM search button 104A is provided in the vicinity of this column so that it is possible to easily search for an ATM installable place where a financial institution capable of performing the service can trade.

  In the column of the transaction available period 105, a period for permitting cardless withdrawal is input by date and time. Usually set as short as possible. However, when setting a long period as in this example, it is possible to specify a short period such as from 8 o'clock to 18 o'clock on the 25th or 26th of the month instead of a whole year. Better. As a matter of course, the cardless withdrawal management server 10 refers to the operation management table of all ATMs and designates the ATM non-operable hours specified at the transaction place as the transaction start date and time and the transaction end date and time. I can't do it.

  When the registrant checks the mark of “automatically generated” 106 in the one-time password setting items (106 to 108), the one-time password becomes cardless when the registration data is verified to be valid. The withdrawal management server 10 automatically generates together with the transaction ID. In addition, when the “input each time” 107 mark is checked, the registrant inputs a one-time password. Of course, the automatically generated personal identification number may be corrected.

  Also, if the registrant puts a check mark in “Let the attendees be set for the next time” 108, the withdrawal person can set the next one-time password at the time of divided withdrawals. As described above, this is to save the labor of the registrant issuing a personal identification number each time in the case of divided withdrawals. This is to allow the withdrawal person to some degree of freedom if the withdrawal person has some trust and is within the total amount of withdrawal allowance, thereby reducing the risk of security code leaks. However, since it is troublesome for the payer to consider the one-time password so that it does not overlap, the password may be set by a method as described later.

  Finally, the registrant inputs all the registration data and confirms the registration, and then presses the registration button 109 to cause the cardless withdrawal management server 10 to save the registration data. Based on this registration data, the cardless withdrawal management server 10 determines whether or not the withdrawal can be made when a withdrawal request is made from the ATM at a designated place and date. to decide.

  FIG. 7 is a diagram showing an example of a cardless withdrawal registration data confirmation screen according to the embodiment of the present invention. This figure is an example of a registration data confirmation screen displayed when the registrant presses the registration button 109 in FIG.

  On this screen, “Natchan”, the nickname of the withdrawal person's childhood, is used as the withdrawal name, and a total withdrawal allowance of 600,000 yen and a withdrawal allowance of 50,000 yen per month are registered. It is. Withdrawal is registered so as to be divided, and the one-time PIN is set at the time of withdrawal each time by the withdrawal person in the subsequent times other than the first time.

  The transaction place is AA Bank Okinawa branch, and the transaction date is from April 1, 2010 to March 31, 2011. As described above, it is dangerous to specify a long time for the transaction date and time, and it is better to specify a specific day and a specific time every month. Finally, the registrant confirms the registration data and presses the confirmation button if OK. If you want to correct it, you can press the correct button and return to the previous screen to correct the necessary part.

  8, FIG. 9 and FIG. 10 are diagrams showing an operation procedure in the ATM 30 according to the embodiment of the present invention. Since these are a series of operations, FIGS. 8 to 10 will be collectively described below.

  The screen 200 is the first screen when the withdrawal person visits the store location determined in advance by consulting with the registrant at a predetermined time and operates the ATM. This screen is a normal ATM main menu screen. When the withdrawal person presses the withdrawal (withdrawal) button, a message such as 201 is displayed, and this ATM indicates that the withdrawal can be performed without a card.

  Here, when the withdrawer presses the “cardless” button, a cardless withdrawal screen 202 is displayed. On this screen, the withdrawer inputs the account number for withdrawal. If the entered account number is not registered for cardless withdrawal, an error message such as 203 is displayed. Here, the account number may be a virtual account number associated with a real account number for cardless withdrawal as well as a real account number. If the account number is registered for cardless withdrawal, the screen 204 in FIG. 9 is displayed.

  On the screen 204, the withdrawal person inputs the name of the withdrawal person. On the screen 204, a key for inputting characters (for example, Aiueo keyboard) is displayed. Here, the withdrawal name need not be a real name, but it is necessary to input the registered withdrawal name accurately. In this system, it is needless to say that the withdrawal name also serves as a password, so it should be hard to guess by others. When the withdrawal person inputs “name” and presses the confirmation button, the data entered so far is transmitted to the cardless withdrawal management server 10 and compared with the registered data. If the withdrawal name entered here does not match the registered data, an error message indicating that the withdrawal name does not match is displayed, and if the ATM where the transaction is performed is not registered, the trading location If the mismatch error message 205 and the current date / time are not within the registered range, an error message 206 inappropriate for the transaction date / time is displayed.

  If all the above three data matches the registered data, the screen 207 is displayed and the user is prompted to enter a one-time password. If the password is not correct, an error message 208 indicating that the password does not match is displayed. In this case, the user is requested to input the personal identification number again. If the numbers do not match again, an error message 209 is displayed and the transaction is stopped. Of course, it is also possible to cancel the transaction immediately without requesting the input of the password again.

  If the one-time passwords match, the screen 210 is displayed and the user is asked to enter the withdrawal amount. If the input withdrawal amount matches the registered withdrawal amount range, the screen 212 shown in FIG. 10 is displayed. If not, an error message 211 is displayed. Note that the one-time PIN is invalid when the transaction period has expired.

  A screen 212 in FIG. 10 is a final operation screen for cardless withdrawal. In this example screen, you will see that if you withdraw 50,000 yen this time, the remaining amount will be 550,000 yen for the total withdrawal amount of 600,000 yen, and set a one-time PIN for the next withdrawal. can do. Of course, it is a premise that the registrant is set to permit the resetter to reset the password. The password entered here may be arbitrarily determined by the payer, and unlike the normal password, it is not necessarily required to be four digits. However, if you forget this PIN, you must contact the registrant, update the registration data, and have the one-time PIN reissued. When the withdrawer normally finishes resetting the one-time password, an end message 213 is displayed and cash payment is executed.

  FIG. 11 is a diagram showing another example of the cardless drawer screen according to the embodiment of the present invention. Here, as shown in the screen example of FIG. 10, it is a mechanism that the system assists in setting a password in preparation for the danger that it is troublesome or easy to forget to set a password for each time a withdrawal person. is there.

  A screen 212A in FIG. 11A indicates that the system includes a means for generating and displaying a personal identification number based on a preset rule. For example, the rule is related to an event that is likely to remain in the impression of the withdrawal person, such as a rule related to the amount withdrawn this time or a rule related to the remaining amount after the current withdrawal. More specifically, a rule table as shown in FIG. 11B can be used. In this rule table, rules 1 to 5 are for displaying numbers obtained by performing a certain operation on the amount withdrawn this time as the next password candidate, and from rule 6 to rule 10, This is for displaying the number of the amount related to the remaining amount as the next password candidate.

  For example, in this example, since the amount withdrawn this time is 50000 and the remaining amount is 550000, the rule number is 49999 when rule 1 is applied, and 550001 when rule 6 is applied. The rule to be applied is displayed at random by the system, but the withdrawal person can also press the rule change button 214 to change the number of the rule to be applied. When the rule change button 214 is pressed, the system displays the randomly selected rule again. In order to prevent other people from peeping, only the rule number and its description are displayed on the screen, and the PIN number is only displayed, for example ●●●●●, implying only the number of digits. May be. This makes it difficult for the withdrawer to forget the next PIN, and the applicable rules are also related to the amount displayed only when the withdrawer completes withdrawal, so it is difficult for a third party to guess. Become.

  In the above screen, an example is shown in which numerical values related to the withdrawal amount and the remaining amount are displayed as password number candidates, but other numerical values related to the withdrawal party may be used as these numerical values. For example, a certain operation is added to the date of birth to make a password. More specifically, when 19970505 is set as the date of birth and rule 4 is applied, 997050 excluding the numbers at both ends becomes a password candidate. The withdrawer becomes more difficult to forget by remembering the applied rules rather than the password itself. The withdrawal amount and the remaining amount can be confirmed on a transaction statement issued by ATM at the end of the transaction. As a matter of course, since the personal identification number and the application rule are not printed on the transaction statement or the like, there is little risk of misuse even if the transaction statement is lost.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

10 Cardless withdrawal management server 11 Cardless withdrawal registration information DB
12 Cardless withdrawal information DB
20 Registrant terminal 30 ATM
40, 41 network

Claims (9)

A banking system in which a registrant terminal that accepts registration data of an account holder who has an account with a financial institution, an automatic teller machine, and a management server are connected via a network,
The registrant terminal comprises means for accepting an input of transaction conditions for permitting withdrawal without a cash card for a specific withdrawal person from the account holder's account, and transmitting it to the management server,
The management server
Means for receiving and storing the transaction conditions from the registrant terminal;
Means for determining whether or not withdrawal is possible based on the stored transaction conditions when receiving a withdrawal request without a cash card from the automatic teller machine;
Means for granting a withdrawal permission to the automatic teller machine,
A banking system characterized by that.   The transaction conditions include the name of the withdrawal, the withdrawal allowance, the transaction location including information on the installation location of the automatic teller machine that accepts withdrawals, the transaction period that defines the period during which withdrawals can be made, and one withdrawal The bank system according to claim 1, comprising a one-time PIN valid only for operation.   3. The bank system according to claim 2, wherein the withdrawal is permitted only when the withdrawal request amount that the withdrawal person intends to withdraw in the automatic teller machine matches the withdrawal allowance. .   The withdrawal is permitted only when the withdrawal request amount that the withdrawal person intends to withdraw in the automatic teller machine is a numerical value associated with the one-time personal identification number according to a predetermined rule. The bank system according to claim 2.   5. The withdrawal allowance includes a total amount that the withdrawal person can withdraw and an amount that can be withdrawn in a range of the total amount. Banking system.   When the withdrawal allowance is divided and set to allow withdrawal, means for causing the withdrawal person to set a one-time PIN at the time of withdrawal from the automatic teller machine at the time of withdrawal. The bank system according to claim 5, further comprising:   When the withdrawal person sets the one-time PIN, the amount withdrawn by the withdrawal machine with the automatic teller machine or the remaining amount of the withdrawal allowance is a number associated with a predetermined rule. The bank system according to claim 6, further comprising means for generating the one-time password.   3. The withdrawal name includes a character string obtained by adding or converting an arbitrary character string to a name of the withdrawal person, a nickname or a past nickname of the withdrawal person. Banking system. A cash withdrawal processing method for performing cash withdrawal management using a registrant terminal that accepts registration data of an account holder who has an account with a financial institution, an automatic teller machine, and a management server,
In the registrant terminal, receiving an input of transaction conditions for permitting withdrawal without a cash card for a specific withdrawal person from the account holder's account, and transmitting to the management server;
In the management server,
Receiving and storing the transaction conditions from the registrant terminal;
Receiving a withdrawal request without a cash card from the automatic teller machine;
Determining whether to withdraw based on the stored transaction conditions;
Granting a withdrawal permission to the automatic teller machine,
A cash withdrawal processing method.

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