JP2017059117A - User terminal, cash dispensing system, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To notify a user of an installation place of a cash dispenser that can dispense cash by using a user terminal.SOLUTION: A user terminal comprises: a transmission part that transmits, to a server, reservation request information for reserving dispensing of cash from a cash dispenser to a financial institution; a receiving part that receives, from the server, reservation information specifying the details of dispensing of cash reserved to the financial institution; a storage part that stores the reservation information received from the server; a receiving part that receives a beacon indicating the presence of a cash dispenser and a financial institution at which cash can be dispensed from the cash dispenser; a notification part that, when the storage part stores the reservation information to the financial institution indicated by the beacon, notifies a user of the presence of the cash dispenser in which the reserved dispensing of cash can be done; and a transmission part that communicates with the cash dispenser on the basis of the reservation information stored in the storage part and instructs the cash dispenser to dispense cash based on the details of the reservation specified by the reservation information.SELECTED DRAWING: Figure 12

Description

  The present invention relates to a user terminal, a cash payout system, and a program.

The 2D barcode based on the ATM identification information is displayed on the ATM screen, the displayed 2D barcode is scanned with the customer's mobile device and transmitted to the financial web service, and the ATM identified from the 2D barcode information is transferred to the ATM. A system in which a financial web service executes a transaction is known (for example, see Patent Document 1).
Patent Document 1 JP 2013-105490 A

  There existed a subject that it was not possible to notify a user in an easy-to-understand manner the existence of a cash payout device capable of paying out reserved cash using a user terminal.

  In the first aspect, the user terminal reserves reservation request information for reserving cash payment from the cash dispensing apparatus to the financial institution to the server and a reservation to the financial institution. Reservation information specifying the payout details of the received cash, a reservation information receiving unit that receives from the server, a storage unit that stores the reservation information received from the server, the presence of the cash payout device, and cash from the cash payout device A beacon receiving unit that receives a beacon indicating a financial institution that can be paid out, and a reservation that specifies a cash payout content reserved for the financial institution indicated by the beacon when the beacon receiving unit receives the beacon On the condition that the storage unit stores the information, the notification unit that notifies the user of the existence of a cash dispensing device capable of paying out the reserved cash, and the storage unit store Communicates with the cash dispensing apparatus based on it are opinions comprises payout cash based on the reservation content specified by the reservation information, and a payout request unit that requests to the cash dispenser.

  The reservation information indicates the location of the cash dispensing device specified by the user and used by the user for payout, the beacon indicates the location of the cash dispensing device indicated by the beacon, and the notification unit indicates the cash indicated by the beacon. The user may be notified of the existence of a cash dispenser capable of paying out reserved cash, provided that the location of the payout device matches the location of the cash payout device used for payout indicated by the reservation information.

  Reservation information indicates the time zone specified by the user when the user uses the cash dispensing device, and the notification unit indicates that the time when the beacon receiving unit receives the beacon is within the time zone indicated by the reservation information. As a condition, the user may be notified of the existence of a cash dispenser capable of paying out reserved cash.

  The notifying unit may notify the user of guidance information for guiding the user to the cash dispensing apparatus whose presence is indicated by the beacon received by the beacon receiving unit.

  Cash used by the user for paying out the cash out of the location of the cash dispenser and the privilege presentation unit that presents the content of the privilege corresponding to the cash dispenser, and the location of the cash dispenser presented by the privilege presenter A reception unit that accepts a selection instruction for selecting a location of the payout device from the user, and a privilege granting unit that grants to the user a privilege associated with the location selected by the selection instruction received by the reception unit; The reservation request transmitting unit may transmit to the server reservation request information for reserving cash payment from the cash dispensing device at the location selected by the selection instruction received by the reception unit.

  The reservation information indicates a payout amount for paying out cash, and the payout request unit transmits the payout amount indicated by the reservation information stored in the storage unit to the cash payout device, thereby determining the amount indicated by the reservation information. You may request | require cash withdrawing | paying from the said cash withdrawal apparatus.

  When the balance of the user's account at the financial institution is less than the amount of payment indicated by the reservation information, the reservation request transmitting unit sends the cash of the first payout amount up to the balance of the user's financial account to the financial institution. The first reservation request information for reserving the payout is sent to the server, and the cash payout of the second payout amount obtained by subtracting the first payout amount from the cash payout amount indicated by the reservation information is sent to the other finance. The second reservation request information for making a reservation with the institution may be transmitted to a server of another financial institution.

  In the second aspect, the cash dispensing system includes a server that communicates with the user terminal and a cash dispensing apparatus.

  You may further provide said user terminal and the beacon transmitter which transmits a beacon.

  In the third aspect, the program causes a computer to function as the user terminal.

  The summary of the invention does not enumerate all the features of the present invention. In addition, a sub-combination of these feature groups can also be an invention.

An example of the use environment of cash dispensing system 5 in one embodiment is shown roughly. It is a block diagram which shows the function structure with which CD100, the user terminal 180, and the server 110 are provided. An example of a processing sequence of the user terminal 180 and the server 110 when making a payout reservation is shown. An example of the menu screen 400 displayed on the display part 280 after the login to the server 110 is completed is shown schematically. An amount setting screen 500 is schematically shown. The use date setting screen 600 is schematically shown. The use branch setting screen 700 is shown schematically. The utilization ATM setting screen 800 is shown schematically. An example of reservation information generated by the server 110 is shown in a table format. An example of a processing sequence of the user terminal 180 and the server 110 when paying out from the CD 100 using the user terminal 180 is shown. An example of the operation | movement flow regarding reception of the beacon in the user terminal 180 is shown. A guidance information screen 1200 is schematically shown. A caching usage screen 1300 is schematically shown. An example of a processing sequence when making a payout reservation using caching is shown.

  Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the invention according to the claims. In addition, not all the combinations of features described in the embodiments are essential for the solving means of the invention.

  FIG. 1 schematically illustrates an example of a usage environment of a cash dispensing system 5 according to an embodiment. The cash payout system 5 includes a server 110, a server 112, a database server 120, CD 100a, CD 100b, and CD 100c, which are automatic cash dispensers, a beacon transmitter 30, a bank network 160, and a user terminal 180, respectively. .

  The user terminal 180 is a mobile device. The user terminal 180 is a portable electronic device having a communication function such as a mobile phone such as a smartphone, a portable information terminal, and a tablet computing device. Application software for net banking is installed in the user terminal 180. The application software is abbreviated as “net banking application”. The user terminal 180 communicates with the server 110 that provides a net banking function through a communication network 170 including a public network such as an Internet line, a mobile communication network, and the like. For example, the user terminal 180 communicates with the server 110 through the communication network 170 and instructs the server 110 to perform a transfer or the like using a net banking function provided by the server 110.

  The server 110 accesses the database server 120 through the bank network 160 and performs various information processing related to banking operations, including the function of net banking. The database server 120 stores a ledger database 121, a payout reservation database 122, a user information database 123, and various other information related to banking operations. The ledger database 121 stores account related information including a deposit / withdrawal history for each account. For example, the ledger database 121 stores a deposit / withdrawal history such as deposit / withdrawal type, date / time of deposit / withdrawal, and deposit / withdrawal amount for each account. Note that the function of the server 110 may be realized by one or a plurality of servers. Further, the function of the database server 120 may be realized by one or a plurality of database servers. The functions of the server 110 and the database server 120 may be realized by a single server. The server 112 is a server of a financial institution different from the financial institution that manages the server 110. In the present embodiment, the server 112 has a function related to caching. In other embodiments, server 112 may be a server of another bank. The server 110, the server 112, and the database server 120 function as a cash payout control system.

  Each of the CD 100a, CD 100b, and CD 100c communicates with the server 110 through the bank network 160 and pays out cash to the user 190. The CD 100a, the CD 100b, and the CD 100c are provided in the bank store 20a. The CD 100a, CD 100b, and CD 100c have the same functions. Therefore, in the description of the present embodiment, the end of the codes of CD 100a, CD 100b, and CD 100c may be omitted and may be collectively referred to as “CD100”. The store 20b and the store 20c are also provided with an automatic cash dispenser (CD) having the same configuration as the CD 100. In the description of the present embodiment, functions and operations of the CD 100 provided mainly in the store 20a will be described, and descriptions of functions and operations of the store 20b and the store 20c will be omitted.

  The CD 100 includes a cash outlet 104 and an NFC interface surface 102. The CD 100 has an NFC (Near Field Communication) function, and provides an electromagnetic wave used for near field communication based on NFC in the vicinity of the NFC interface surface 102. When a device having an NFC function exists in the vicinity of the NFC interface surface 102, the CD 100 can detect the device and communicate with the device by short-range wireless communication.

  The beacon transmitter 30 is provided in the store 20a. The beacon transmitter 30 transmits a beacon including bank identification information and store 20a identification information.

  The user terminal 180 has an NFC function in addition to wireless communication through the communication network 170. A user 190 is a user of the user terminal 180. The user 190 communicates with the server 110 and the CD 100 using the user terminal 180 and receives cash from the CD 100. Taking the case where the user 190 pays out cash from the CD 100a, the operation of each component will be schematically described.

  The user 190 operates the user terminal 180 to activate the net banking application, and displays a net banking login screen on the user terminal 180. The user 190 logs in to the server 110 by inputting login information such as an account number and a login password. The user information database 123 stores user authentication information. The server 110 collates the information stored in the user information database 123 with the login information and determines whether or not login is possible. The user information database 123 stores various types of information related to account users of other financial institution servers 112 in addition to the authentication information. For example, the user information database 123 stores information related to accounts of other financial institutions owned by the user.

  After logging in to the server 110, the user 190 performs an operation for reserving cash withdrawal through an operation screen displayed on the user terminal 180. At this time, the user 190 can specify a payout amount through a screen operation of the user terminal 180. When instructed by the user 190 to reserve a payout, the user terminal 180 transmits reservation request information including a payout amount to the server 110. In addition to the payout amount, the reservation request information can include a limiting condition for limiting the CD 100 used for cash payment to a specific CD 100, and a limiting condition for limiting the date and time for using the CD 100 to a specific date and time. . In addition, the reservation request information can include an upper limit value of a plurality of payout times that can be paid out. Information on the payout amount, the limiting condition, and the upper limit value of the payout count included in the reservation request information transmitted to the server 110 is stored in the payout reservation database 122 in association with the reservation ID. Then, the reservation information including the reservation ID is returned from the server 110 to the user terminal 180 and held in the user terminal 180.

  When receiving the beacon from the beacon transmitter 30, the user terminal 180 detects that there is a bank store that issued the reservation ID held in the user terminal 180 based on information included in the beacon. The user terminal 180 displays a guide screen to the store 20a on the display to notify the user 190 that there is a bank store that has reserved cash withdrawal.

  The user 190 enters the store 20a with the user terminal 180a, brings the user terminal 180 close to the NFC interface surface 102 of the CD 100a, and causes the CD 100a to detect the user terminal 180. When the CD 100a detects the user terminal 180, the CD 100a receives reservation information from the user terminal 180 by short-range wireless communication. The CD 100 a pays out cash from the cash payout exit 104 based on the payout amount indicated by the reservation information received from the user terminal 180. At this time, the CD 100a pays out cash from the cash payout exit 104 on condition that the above-described limiting condition associated with the received reservation information is satisfied. Further, the CD 100a may pay out cash from the cash payout exit 104 on the condition that the past payout count does not exceed the upper limit value of the payout count associated with the received reservation information.

  According to the cash payout system 5, the user 190 can make a payout reservation and withdraw cash from the CD 100 by a simple operation using the user terminal 180. Since the user 190 uses the user terminal 180 to input authentication information, a payout amount, etc., there is no need to display a screen for performing a payout operation on the CD 100. Further, it is not necessary to incorporate a touch panel function into the CD 100. This eliminates the need to incorporate a display device such as a display or a user interface device such as a touch panel into the CD 100. Therefore, the cost of the CD 100 can be reduced. In addition, the user 190 can be notified of the presence of the CD 100 from which the user terminal 180 can withdraw cash by using a beacon from the beacon transmitter 30 provided in the store 20. Further, according to the cash payout system 5, the CD 100 used for cash payout can be limited to a specific CD100, and the date and time when the CD100 is used can be limited to a specific date and time. Therefore, the possibility that the user terminal 180 is illegally used and the cash is withdrawn is reduced. Further, according to the cash payout system 5, the user 190 can specify an upper limit value of the number of payouts that can be made in a single reservation request. Therefore, the user 190 does not need to access the server 110 every time it pays out.

  FIG. 2 is a block diagram illustrating a functional configuration included in the CD 100, the user terminal 180, and the server 110. The CD 100 includes a processing unit 200, an NFC unit 210, a server communication unit 220, and a cash payout unit 230. The processing unit 200 is realized by a processor such as an MPU. The NFC unit 210 is realized by an IC chip or the like that realizes NFC. The server communication unit 220 is realized by a network IC or the like. The CD 100 does not include a display device that displays a two-dimensional screen.

  The user terminal 180 includes a processing unit 250, an NFC unit 260, a communication unit 270, a display unit 280, an operation receiving unit 282, a beacon receiving unit 262, and a storage unit 290. The processing unit 250 is realized by a processor such as an MPU. The NFC unit 260 is realized by an IC chip or the like that realizes NFC. The communication unit 270 is realized by a mobile communication processor, a network IC, or the like. The communication unit 270 has a function of performing communication according to one or a plurality of communication standards such as a communication standard such as WiFi or a communication standard for mobile communication. The display unit 280 is realized by a display device such as a liquid crystal display. Storage unit 290 is realized by a storage medium such as a semiconductor memory. The operation reception unit 282 is realized by a touch panel, operation keys, and the like. The beacon receiving unit 262 is realized by a wireless receiver. The beacon transmitter 30 may transmit a beacon using, for example, Bluetooth (registered trademark) Low Energy broadcast communication.

  The NFC unit 210 of the CD 100 is responsible for near field communication. The NFC unit 210 communicates with the NFC unit 260 of the user terminal 180 by short-range wireless communication. Specifically, the NFC unit 210 periodically transmits a polling signal. When the NFC unit 260 of the user terminal 180 detects the electromagnetic wave of the polling signal from the NFC unit 210, the NFC unit 260 responds to the polling signal. Thereby, the NFC unit 210 of the CD 100 detects the presence of the adjacent user terminal 180. The NFC unit 210 can receive various types of information such as reservation information from the NFC unit 260 of the user terminal 180 by short-range wireless communication after detecting the presence of the adjacent user terminal 180.

  The processing unit 200 controls the cash payout process based on the reservation information in response to the NFC unit 210 receiving the reservation information through short-range wireless communication. For example, the processing unit 200 causes the cash payout unit 230 to pay out cash corresponding to the cash payout amount indicated by the reservation information. The cash payout unit 230 selects the amount of cash to be paid out from banknotes and the like stored in the CD 100, and moves the selected cash to the cash payout exit 104. Thus, the processing unit 200 of the CD 100 pays out the cash of the payout amount indicated by the reservation information without receiving the designation of the payout amount from the user 190 after receiving the reservation information from the user terminal 180.

  In the user terminal 180, the operation reception unit 282 receives a user operation. For example, the operation accepting unit 282 accepts an operation in which the user inputs a cash payout amount, an instruction to make a reservation for paying out cash from the CD 100 to a financial institution, and the like. The communication unit 270 transmits to the server 110 reservation request information for reserving cash payment from the CD 100 with respect to the financial institution. In addition, the communication unit 270 receives reservation information from the server 110 that specifies cash payout content reserved for a financial institution. The NFC unit 260 has a storage area for storing reservation information received from the server. The NFC unit 260 communicates with the CD 100 based on the reservation information stored in the NFC unit 260 and instructs the CD 100 to pay out cash based on the reservation content specified by the reservation information. For example, the reservation information includes information indicating a payout amount for paying out cash. Then, the NFC unit 260 instructs the CD 100 to pay out the amount of cash indicated by the reservation information by transmitting the payout amount indicated by the reservation information stored in the NFC unit 260 to the CD 100.

  The reservation information is transmitted from the server 110 in a state encrypted with a predetermined encryption method. The processing unit 250 obtains information indicated by the reservation information by decoding the reservation information using a predetermined decoding method. Unless otherwise specified, the “reservation information” may be information obtained by decoding the reservation information received from the server 110. Note that the reservation information may be stored in the storage unit 290. The reservation information is preferably stored in a secure storage area.

  The beacon receiving unit 262 receives a beacon indicating the presence of the CD 100 and a financial institution that can pay out cash from the CD 100. In the case where the NFC unit 260 stores the reservation information specifying the payout contents of cash reserved for the financial institution indicated by the received beacon when the beacon receiving unit 262 receives the beacon, the display unit 280 In addition, the user 190 is notified of the existence of the CD 100 on which the reserved cash can be paid out. For example, the display unit 280 notifies the user 190 of guidance information for guiding the user 190 to the CD 100 whose presence is indicated by the beacon received by the beacon receiving unit 262. Therefore, it is possible to easily notify the user of the existence of the CD 100 that can pay out the reserved cash.

  The beacon transmitted by the beacon transmitter 30 indicates the location of the CD 100 whose presence is indicated by the beacon. The reservation information indicates the location of the CD 100 specified by the user 190 and used by the user 190 for payout. The information indicating the location of the CD 100 may be information indicating the branch where the CD 100 is provided. In this case, the display unit 280 indicates the presence of the CD 100 on which the reserved cash can be paid out on condition that the location of the CD 100 indicated by the beacon matches the location of the CD 100 used for the payout indicated by the reservation information. The user 190 is notified.

  In addition, the reservation information indicates a time period designated by the user 190 and used by the user 190 for the CD 100. In this case, the display unit 280 informs the user 190 of the presence of the CD 100 that can pay out the reserved cash on condition that the time when the beacon receiving unit 262 receives the beacon is within the time zone indicated by the reservation information. Notice.

  When the user 190 selects the CD 100 to be used, the display unit 280 presents the location of the CD 100 and the privilege content corresponding to the CD 100. The operation receiving unit 282 receives from the user 190 a selection instruction for selecting the location of the CD 100 that the user 190 uses for cash out of the locations of the CD 100 presented by the display unit 280. The communication unit 270 transmits to the server 110 reservation request information for reserving cash withdrawal from the CD 100 at the location selected by the selection instruction received by the operation receiving unit 282. Then, the processing unit 250 gives the user 190 a privilege associated with the location selected by the selection instruction received by the operation receiving unit 282. For example, the processing unit 250 stores information indicating the privilege content in the NFC unit 260.

  When the balance of the account of the user 190 at the financial institution is smaller than the payout amount indicated by the reservation information, the communication unit 270 provides the first payout amount up to the balance of the financial account of the user 190 to the financial institution. First reservation request information for reserving cash payment is transmitted to the server 110. In addition, the communication unit 270 makes a second reservation request for reserving a cash payout of a second payout amount obtained by subtracting the first payout amount from the cash payout amount indicated by the reservation information to another financial institution. Information is transmitted to the server 112 of another financial institution.

  Note that NFC-based wireless communication is an example of short-range wireless communication. Examples of near field communication include near-field wireless communication such as NFC and Felica (registered trademark), wireless communication based on Bluetooth (registered trademark), and infrared communication based on IrDA.

  Next, the configuration and operation of the server 110 will be described. The server 110 includes a communication unit 70, a CD communication unit 80, and a processing unit 40. The processing unit 40 is realized by a processor such as an MPU. The communication unit 70 and the CD communication unit 80 are realized by a mobile communication processor, a network IC, or the like. The communication unit 270 has a function of performing communication according to one or a plurality of communication standards such as a communication standard such as WiFi or a communication standard for mobile communication.

  The communication unit 70 receives from the user terminal 180 reservation request information for reserving cash withdrawal. The communication unit 70 may receive reservation request information including a limiting condition that limits at least one of the CD 100 used for paying out cash and the time when the CD 100 is used from the user terminal. Note that the limiting condition may limit the location of the CD 100 used for paying out cash. The location of the CD 100 may be an area, a branch where the CD 100 is provided, or an installation position of the CD 100 in the store 20. Further, the limiting condition may limit the CD 100 used for paying out cash and the time when the CD 100 is used.

  The payout reservation database 122 stores cash payout contents including limited conditions. Specifically, the payout reservation database 122 stores the cash payout contents including the limiting conditions in association with the reservation ID. The communication unit 70 may transmit reservation information that specifies cash payout contents including the limiting condition to the user terminal 180. When the user terminal 180 transmits the reservation information to the CD 100 to request the cash out of the CD 100, the processing unit 40, on the condition that the limiting condition is satisfied based on the reservation information received by the CD 100, You may permit the cash-out from the said CD100.

  Note that the reservation information transmitted to the user terminal 180 may not include information indicating the limiting condition. For example, only the reservation ID may be transmitted to the user terminal 180 as reservation information. In this case, the CD 100 receives a reservation ID from the user terminal 180, thereby acquiring a cash withdrawal request. Then, the CD communication unit 80 receives the reservation ID from the CD 100. Then, the processing unit 40 permits the withdrawal of cash on condition that the limitation condition included in the cash withdrawal content stored in the withdrawal reservation database 122 in association with the reservation ID is satisfied. Then, when the processing unit 40 determines that the cash out is permitted, the CD communication unit 80 permits the cash out based on the cash payout content stored in the payout reservation database 122 in association with the reservation ID. Is transmitted to the CD 100 that has transmitted the reservation ID. For example, the CD communication unit 80 transmits the payout amount included in the cash payout content stored in the payout reservation database 122 in association with the reservation ID to the CD 100 that has transmitted the reservation ID, and the cash of the payout amount. Is permitted to the CD 100 that has transmitted the reservation ID.

  Thereby, the CD 100 used for paying out cash can be limited to a specific CD 100, and the date and time when the CD 100 is used can be limited to a specific date and time. Therefore, even if the user terminal 180 is lost, the possibility that cash will be withdrawn can be reduced.

  In addition, the user terminal 180 may request to perform a plurality of payouts. For example, the reservation request information may include an upper limit value of the number of payout times that can use the CD 100. In this case, the reservation information may include information that can specify the cash payout content including the upper limit value of the payout count. In the payout reservation database 122, the number of cash payable times is stored in association with the reservation ID as information indicating the count value of the past payout times. When the processing unit 40 receives a reservation ID from the CD 100 and requests a payout and permits a cash out, the processing unit 40 decrements the payable number of times stored in the payout reservation database 122 in association with the reservation ID. In this way, the processing unit 40 can count the number of permitted cash withdrawals for each reservation ID.

  Then, when the processing unit 40 receives a new request, the processing unit 40 permits the cash to be paid out on the condition that the payable number of times stored in the payout reservation database 122 in association with the reservation ID is 1 or more. . That is, when the processing unit 40 receives a new request, the upper limit value of the number of payouts included in the cash payout content stored in the payout reservation database 122 in which the counted number of payouts is associated with the reservation ID. Permitted to pay cash on condition that it does not exceed. Thereby, the user 190 can perform a plurality of payouts by one payout reservation. Further, in the payout reservation database 122, a plurality of payouts can be managed with one reservation information, so that the amount of data to be managed can be reduced. The upper limit of the number of payouts may be the upper limit of the number of payouts that can use the CD 100 within a predetermined period. For example, the upper limit value of the number of payouts per month may be applied as the upper limit value of the payout times.

  FIG. 3 shows an example of a processing sequence of the user terminal 180 and the server 110 when making a payout reservation. In S312, when the net banking software is activated in response to an instruction from the user 190, a login screen for the server 110 is displayed on the display unit 280. When the user 190 inputs the store number, the account number, and the password in the store number, account number, and password input boxes in the login screen and touches the login button in the login screen, the communication unit 270 displays the store number, The login information including the account number and the password is transmitted to the server 110 (S314).

In S316, the server 110 authenticates the user using the received login information. For example, the server 110 determines whether information that matches the login information is stored in the user information database 123. The server 110 permits login when information that matches the login information is stored in the user information database 123, and rejects login when information that matches the login information is not stored in the user information database 123. The server 110 transmits information indicating whether or not login is possible to the user terminal 180 (S318).
In S320, when the user 190 instructs the display of the payout reservation screen through the menu screen, the payout reservation screen is displayed on the display unit 280 (S320). The menu screen and the payout reservation screen will be described in more detail with reference to FIGS. 4 and 5, respectively. The user 190 can specify the payout content such as the payout amount on the payout reservation screen. When a payout content is specified by the user 190 and a payout reservation is instructed, the communication unit 270 transmits reservation request information including a payout amount to the server 110 (S322).

  When the server 110 receives the information transmitted in S322, the server 110 accesses the ledger database 121 of the database server 120 when the withdrawal amount is deducted in advance based on the reservation request information, and the balance of the user's account. To determine whether or not it is possible to withdraw cash of the payout amount (S324). Specifically, the server 110 determines whether or not the balance of the account is equal to or greater than the payout amount. The server 110 may determine whether or not the balance of the account is equal to or greater than the total amount of the payout amount and the payout fee. When it is possible to withdraw the cash of the payout amount, the server 110 updates the ledger database 121 and withdraws it, and the payout reservation database 122 of the database server 120 associates the payout amount such as the payout amount with the reservation ID. (S326). Information stored in the payout reservation database 122 will be described in more detail with reference to FIG. Then, the server 110 transmits reservation information including the reservation ID to the user terminal 180 (S328).

  When the user terminal 180 receives the reservation information from the server 110, the reservation information is stored in the NFC unit 260 (S330).

  FIG. 4 schematically shows an example of the menu screen 400 displayed on the display unit 280 after the login to the server 110 is completed. The menu screen 400 includes a payout reservation screen selection button 410 as a part of the configuration object. The selection button 410 is an object for displaying a screen for transmitting reservation request information for reserving cash payment. When the user 190 touches the position of the selection button 410, the display unit 280 displays the amount setting screen shown in FIG.

  FIG. 5 schematically shows an amount setting screen 500. The amount setting screen 500 includes a payout amount input box 510, a usage count input box 520, a usage count input box 530 per month, and a setting button 590. The user 190 can input a payout amount per time in the input box 510. In the input box 520, the number of times the CD 100 can be used can be input without limitation of the period. In the input box 530, the number of times the CD 100 can be used per month can be input. Note that the user 190 can input the number of uses in either the input box 520 or the input box 530. When the user 190 touches the position of the setting button 590, the display unit 280 displays a usage date setting screen shown in FIG.

  FIG. 6 schematically shows a use date / time setting screen 600. The usage date setting screen 600 includes a usage date setting object 610, a usage time zone input box 620, and a setting button 690. The user 190 can set the usage date by touching the location of the usage date in the setting object 610. In the input box 620, the start time and end time of the use time zone can be input. When the user 190 touches the position of the setting button 690, the display unit 280 displays a use branch setting screen shown in FIG.

  FIG. 7 schematically shows a use branch setting screen 700. The used branch setting screen 700 includes a setting object 710 indicating that a branch to be used is not specified, an object 720 for specifying a used branch, a selection button 780 for another area, and a setting button 790. The user 190 can set that the branch office is not specified by touching the setting object 710.

  The object 720 includes display objects 730a to 730c indicating branch offices and privileges associated with the branch offices, and selection buttons 740a to c corresponding to the display objects 730a to 730c. Information indicating the privilege is provided from the server 110. The user 190 can designate the use of the corresponding branch by selecting the selection buttons 740a to 740c by touch. For example, by selecting the selection button 740a, it is possible to specify that the CD 100 of “Δ town branch” is used. Further, by using the CD 100, the user 190 is given a privilege of “Δ town shopping district 100 yen discount coupon”. When the use branch setting screen 700 is displayed first, a branch display object in a region predetermined by the user 190 may be displayed in the object 720. In addition, in the object 720, a display object representing a list of branches used by the user 190 at a frequency higher than a predetermined frequency or a branch in the same area as the branch used last time may be displayed.

  By touching the selection button 780 for another region, a selection screen for selecting a branch office in another region is displayed on the display unit 280. Description of the selection screen is omitted. When the user 190 touches the position of the setting button 790, the display unit 280 displays a use ATM setting screen shown in FIG.

  FIG. 8 schematically shows a usage ATM setting screen 800. The usage ATM setting screen 800 includes an object 810 for selecting a CD 100 to be used and a payout reservation execution button 890. The object 810 includes an object 820a, an object 820b, and an object 820c. The positions of the object 820a, the object 820b, and the object 820c indicate the installation positions of the CD 100a, the CD 100b, and the CD 100c in the store 20a, respectively.

  The object 820a and the object 820b are selectable objects. The object 820a and the object 820b indicate that there is sufficient cash in the CD 100a and the CD 100b, and the payout amount specified by the user 190 can be withdrawn from both the CD 100a and the CD 100c. The object 820c is an object that cannot be selected. The object 820c indicates that the cash in the CD 100c is insufficient and the cash of the payout amount specified by the user 190 cannot be withdrawn from the CD 100c. For example, the user 190 can select to use the CD 100a to withdraw cash by touching the position of the setting object 820a.

  When the user 190 touches the position of the payout reservation execution button 890, the communication unit 270 transmits reservation request information including information set through the screens described with reference to FIGS. 4 to 8 to the server 110.

  Note that a plurality of CDs 100 to be used may be selected on the use ATM setting screen 800 of FIG. For example, in any of the CDs 100a to 100c, when the cash in the CD 100 alone is insufficient with respect to the payout amount in the designated time zone, the total amount of cash in the plurality of CDs 100 is equal to or greater than the payout amount. If so, the user 190 may be made to select those CDs 100. In this case, the amount payable from each of the plurality of CDs 100 may be designated by the user 190 with the minimum amount secured in the plurality of CDs 100 as an upper limit.

  As described above, according to the cash dispensing system 5, the CD used by the user 190 and the usage time zone are designated in advance. Therefore, based on a plurality of reservation information stored in the payout reservation database 122, cash paid out from each CD 100 in each time zone can be managed. Therefore, based on the cash loaded in the CD 100 and a plurality of reservation information stored in the payout reservation database 122, the amount of cash that can be secured in the CD 100 at the minimum in each time zone can be calculated. Therefore, the user 190 can reliably receive the payout of the designated payout amount from the designated CD 100 in the designated time zone. For example, if another user tries to use the CD 100a before the user 190 uses the CD 100a, the user 190 may be refused to pay out cash to the other user. For example, when the other user uses the CD 100a and the usage time zone of the CD 100a is not designated in advance, the other user uses the CD 100a, so that the cash balance in the CD 100a is reserved by the user 190. If the payout amount is equal to or less than the payout amount reserved by the user 190 during the use time period, the payout of cash to the other user may be refused. In this way, the processing unit 40 uses the reservation request information from the payout request from the first user terminal that does not limit at least one of the CD 100 used for paying out cash in the reservation request information and the time when the CD 100 is used. According to the cash payout system 5 that permits the cash payout more preferentially to the payout request from the CD100 used for cash payout and the second user terminal for which the time to use the CD100 is limited, the user Since the cash transportation plan can be made based on the CD reserved by 190 and the use time zone, it becomes possible to efficiently distribute the cash to each ATM.

  FIG. 9 shows an example of reservation information generated by the server 110 in a table format. The reservation information includes a reservation ID, account identification information, use location information, use date and time information, payout amount information, advance withdrawal information, available number of times information, and reservation request information reception date and time. In the reservation information, information other than the reservation ID represents payout content indicating the content of cash payout.

  The reservation ID is an example of an identifier for identifying reserved payout contents. The reservation ID functions as identification information of the payout content that is uniquely assigned by the processing unit 40. The account identification information is information for identifying the bank account of the user 190. The account identification information may include a branch number and an account number. The account identification information may include a financial institution code for identifying a financial institution, a branch code, and an account number. By including the financial institution code in the account identification information, it is possible to inquire and withdraw balances for an account of a financial institution different from the financial institution managing CD 100.

  The “use place” information is generated based on the information set in FIG. 7 and FIG. 8 and is one of the limiting conditions for limiting the use place. The “use place” information may be branch identification information for identifying a specific branch of a bank, ATM identification information for identifying a specific ATM, or the like.

  The “use date / time” information is generated based on the information set in FIG. 6 and is one of the limiting conditions for limiting the use time. The information of “use date / time” may be at least one of the date of use and the time zone of use.

  The “payout amount” information is generated based on the information set in FIG. The information on the payout amount includes the payout amount per time and the number of payouts that can be paid out or the number of payouts that can be paid out per month. For example, according to the payout contents of the payout amounts “50,000” and “once” information, 50,000 yen is paid out at a time, and the reservation information is discarded. Further, the information of the payout amounts “20,000” and “5 times” indicates that the payout of 20,000 yen can be made 5 times, and the maximum payout of 100,000 yen is possible. The reservation information can be discarded after paying out five times. In addition, the information of the payout amount “10,000” and “5 times / month” indicates that 10,000 yen can be paid out five times a month, and a maximum of 50,000 yen can be paid out. is there. If it is used five times during a month, it cannot be used that month, but it can be used again when the month changes.

  The “previous withdrawal” information indicates whether or not the payout amount is withdrawn in advance. When “previous withdrawal” is “Y”, it indicates that the payout amount has been withdrawn from the user's account in advance. When the advance withdrawal is “N”, it indicates that the payout amount has not been withdrawn in advance from the user's account. For example, when the number of payouts “1” is set as the number of payouts of “payout amount”, the payout amount may be withdrawn in advance from the account, and “previous withdrawal” may be set to “Y”. On the other hand, when a plurality of payout times are set, or when the payout number per month is set, “prior withdrawal” may be set to “N”. The user 190 may set “prior withdrawal” without being limited thereto. In addition, “prior withdrawal” may be set in accordance with the amount to be paid out. For example, when the withdrawal amount is lower than a predetermined threshold, “prior withdrawal” may be set to “N”, and when the withdrawal amount is greater than or equal to the predetermined threshold, “previous withdrawal” may be set to “Y”. .

  The value of “usable number of times” indicates how many times the user can pay out. The “usable count” information is subtracted once every time a payout is made. Unless the number of payouts per month is set, the reservation information is discarded when the value of “usable number of times” becomes zero. When the number of times per month is set, the reservation information is not discarded even when the number of times becomes zero. The value of “usable number of times” is reset to the number of payouts per month set at the time of reservation when the month changes.

  “Reception date and time” indicates the date and time when the server 110 received the reservation request information. The server 110 determines the valid date and time when the reservation information is valid based on the reception date and time of the reservation request information and the current time. The server 110 may discard the reservation information whose validity date has passed from the payout reservation database 122. For example, except for the case where the number of payouts per month is set, the last time of one month after the reception date may be adopted as the valid date. When the number of payouts per month is set, the final time of the day six months after the reception date may be adopted as the valid date. The valid period is not limited to one month or six months, and the date and time when a predetermined time has elapsed from the reception date and time may be adopted as the valid date and time. In the case where the reservation information is discarded from the payout reservation database 122 and the “previous withdrawal” information of the reservation information to be discarded is “Y”, the ledger database 121 is accessed and the amount indicated by “payout amount”. May be added to the balance stored in the ledger database 121. In one embodiment, the reservation information may be held by both the server 110 and the user terminal 180.

  FIG. 10 shows an example of a processing sequence of the user terminal 180 and the server 110 when paying out from the CD 100 using the user terminal 180. In the CD 100, the NFC unit 210 periodically transmits a polling signal.

  When the user terminal 180 is brought close to the NFC interface surface 102, in S1010, the NFC unit 260 of the user terminal 180 receives the polling signal from the NFC unit 210 of the CD 100 and responds to the polling signal. Specifically, the NFC unit 260 transmits a response to the polling signal by load-modulating the electromagnetic wave from the NFC unit 210. Subsequently, in S1012, the NFC unit 260 transmits the reservation information stored in the NFC unit 260 to the NFC unit 210.

  In the CD 100, when the NFC unit 210 receives the reservation information, the processing unit 200 determines whether the use place and the use date and time are satisfied (S1020). Specifically, when the limiting condition for limiting the usage location is set in the “use location” of the reservation information, the processing unit 200 determines whether the CD 100 satisfies the usage location limitation condition. Further, when a limiting condition for limiting the usage date / time is set in the “use date / time” of the reservation information, it is determined whether or not the current date / time satisfies the usage date / time limiting condition. When the CD 100 determines that at least one of the limiting conditions is not satisfied, the process may be terminated by driving a warning lamp in the store 20a. If the use place and use date and time are satisfied, the reservation ID is transmitted to the server 110 (S1022).

  When the server 110 receives the reservation ID from the CD 100, the server 110 updates the database of the database server 120 (S1024). Specifically, in the payout reservation database 122, the “usable number of times” of the reservation information corresponding to the reservation ID is decremented. Further, when the “previous withdrawal” of the reservation information corresponding to the reservation ID is “N”, the balance of the account identified by the “account identification information” is confirmed with reference to the ledger database 121, and the payout amount is determined. If it can be debited, the payout amount is deducted from the balance. If the “previous withdrawal” of the reservation information corresponding to the reservation ID is “N” and the payout amount cannot be withdrawn from the balance of the account, the server 110 makes the database update process an error.

  If no error has occurred in S1024, the server 110 transmits a payout permission to the CD100, and if an error has occurred, the server 110 transmits a payout disapproval to the CD100 (S1026).

  In the CD 100, the NFC unit 210 transmits the payout permission to the NFC unit 260 of the user terminal 180 when receiving the payout permission in S1026, and the NFC unit 260 of the user terminal 180 when receiving the payout disapproval in S1026. Disbursement disapproval is transmitted to (S1028). When the processing unit 200 of the CD 100 receives the payout permission in S1026, it moves the cash of the payout amount indicated by the reservation information to the cash payout exit 104 and pays out the cash (S1030).

  In S1028, when the payout permission is received, the processing unit 250 obtains privilege information corresponding to the CD 100 selected in FIG. 7 on the condition that the used CD 100 is a CD in the branch selected in FIG. Stored in the NFC unit 260.

  Note that the processing of S1022, S1024, and S1026 may not need to be executed in real time. For example, if the “previous withdrawal” in the reservation information is “Y” and the requested number of payouts is only one, the payout permission may be sent in S1028 without performing the processing of S1022, S1024, and S1026. Good. Then, the server 110 may be notified that the payout has been performed by a subsequent batch process.

  FIG. 11 shows an example of an operation flow related to reception of a beacon at the user terminal 180. In S <b> 1100, the processing unit 250 waits for notification from the beacon receiving unit 262 that a beacon has been received. When receiving the beacon, the processing unit 250 decodes the information included in the beacon according to the operation of the net banking application, and the NFC unit 260 stores the reservation information of the financial institution identified by the identification information obtained by the decoding. It is determined whether or not (S1102). If the information sent by the beacon cannot be decoded, or if the NFC unit 260 does not store the reservation information of the financial institution identified by the identification information sent by the beacon, the process returns to S1100. When the information sent by the beacon can be decoded and the NFC unit 260 stores the reservation information of the financial institution identified by the identification information sent by the beacon, the process proceeds to S1104.

  In step S <b> 1104, the processing unit 250 determines whether or not the store identified by the store identification information included in the beacon satisfies the use place restriction condition of the reservation information stored in the NFC unit 260. In addition, the processing unit 250 determines whether or not the current date / time satisfies a use date / time limiting condition. When at least one of the use place limitation condition and the use date limitation condition is not satisfied, the process returns to S1100. When both the use place limitation condition and the use date limitation condition are satisfied, the guide information to the CD 100 is displayed (S1106). The guidance information will be described with reference to FIG.

  Subsequently, a user instruction whether to use the CD 100 is waited (S1108). If the user instruction to use the CD 100 is not obtained, the process returns to S1100. When a user instruction indicating that the CD 100 is to be used is obtained, it is determined whether or not it has already been withdrawn with reference to “previous withdrawal” of the corresponding reservation information stored in the NFC unit 260 (S1110). . If it has already been withdrawn, the process of this flow is terminated.

  If it has not been debited, the server 110 is accessed to acquire the balance of the account of the user 190 (S1112), and it is determined whether or not the balance is insufficient with respect to the payout amount (S1114). If the balance is not insufficient with respect to the payout amount, the processing of this flow is terminated. If the balance is insufficient with respect to the payout amount, a cashing use screen is displayed (S1116). The caching use screen will be described with reference to FIG.

  FIG. 12 schematically shows a guidance information screen 1200. The guidance information screen 1200 is a screen displayed in S1106 of FIG. The guidance information screen 1200 includes a map object 1210, a button 1290 for selecting to use the CD 100, and a button 1280 for selecting not to use the CD 100.

  In addition to the map object, the map object 1210 includes an object that highlights the location of the store, an object that highlights the location of the CD 100a in the store, an object that occupies the current location, and an object that indicates the route from the current location to the store. including. Note that the image data of the map object highlighting the location of the store and the image data highlighting the location of the CD 100 in the store may be downloaded in advance when making a payout reservation on the user terminal 180.

  When the user 190 touches the position of the button 1290, it is determined to use the CD 100 in the determination of S1108 in FIG. When the user 190 touches the position of the setting button 1280, it is determined in step S1108 in FIG. 11 that the CD 100 is not used.

  FIG. 13 schematically shows a caching usage screen 1300. The caching use screen 1300 is displayed in S1116 of FIG. The cashing use screen 1300 includes an amount input box 1310 and an input box 1320, a button 1380 for selecting to cancel the use of the CD 100, and a button 1380 for selecting to use the cashing.

  In the input box 1310, an amount to be paid back from the bank account can be input. In the input box 1320, an amount to be borrowed by cashing can be input. When the cashing usage screen 1300 is displayed, the input box 1310 has already entered the amount automatically determined by the processing unit 250 with the account balance as the upper limit, and the input box 1320 contains the input box. An amount obtained by subtracting the amount entered in 1310 from the reserved payout amount has already been entered. When the user 190 touches the position of the button 1390, a process of transmitting reservation request information to the server 112 is started after the operation flow of FIG. This processing sequence will be described with reference to FIG. When the user 190 touches the position of the button 1380, the processing for transmitting the reservation request information to the server 112 is not started after the operation flow of FIG.

  FIG. 14 shows an example of a processing sequence of the user terminal 180, the server 110, and the server 112 when making a payout reservation using caching. When the button 1390 on the cashing usage screen 1300 in FIG. 13 is touched, the communication unit 270 transmits reservation request information for reserving the payment of the amount input in the input box 1320 in FIG. 13 to the server 112 (S1402). .

  Based on the reservation request, the server 112 confirms that even if the payout amount is cashed, the cashing frame for the user 190 is not exceeded (S1404). If it is confirmed that the caching frame is not exceeded, the server 112 transmits the reservation information to the user terminal 180 (S1406).

  When receiving the reservation information from the server 112, the communication unit 270 designates the reservation ID of the reservation information whose balance is insufficient, and transmits to the server 110 that the corresponding reservation is canceled (S1408). Further, alternative reservation request information for reserving the payout of the amount input in the input box 1310 of FIG. 13 is transmitted to the server 110 (S1410).

  When the server 110 receives the reservation cancellation information and the alternative reservation request information from the user terminal 180, the server 110 updates each database of the database server 120 (S1412). Specifically, for example, when the reservation information that is a cancellation target is reservation information that is paid out only once, the reservation information is discarded. In addition, the ledger database 121 is updated to perform withdrawal based on the alternative reservation request information, and new reservation information including a new reservation ID is stored in the payout reservation database 122.

  Subsequently, the server 110 transmits alternative reservation information to the user terminal 180 (S1414). When the user terminal 180 receives the alternative reservation information from the server 110, the reservation of the reservation information whose balance has become insufficient is deleted from the NFC unit 260, and the alternative reservation information received from the server 110 received in S1414, and S1406 The reservation information received from the server 112 is stored in the NFC unit 260 (S1420). As a result, two pieces of reservation information in which the sum of the payout amounts is the same as the original payout amount are stored in the NFC unit 260.

  Thereafter, when the user terminal 180 is brought close to the NFC interface surface 102 of the CD 100, the NFC unit 260 transmits the above-described alternative reservation information and caching reservation information to the NFC unit 210. In the CD 100, cash of the total amount of the payout amount included in the alternative reservation information and the payout amount included in the reservation information for caching is paid out. Thus, according to the cash payout system 5, even when the balance of the bank account of the user 190 is insufficient, cash of a predetermined payout amount can be obtained. In addition, the user 190 does not need to perform complicated operations.

  In particular, according to the user terminal 180, after receiving a beacon from the store 20, it is automatically determined whether or not the account balance is insufficient. You can be notified. Therefore, the user 190 can know in advance that the balance is insufficient without going to the CD 100 and performing a payout operation. Further, it is possible to automatically generate a plurality of reservation information capable of paying out a predetermined payout amount simply by selecting whether to pay out in combination with cashing. For example, the user 190 can notice that the balance is insufficient before walking to the CD 100 in the store 20, and can generate a plurality of necessary reservation information by a simple operation.

  Note that, as described with reference to FIGS. 11 to 14, the process of generating a plurality of reservation information is performed after receiving a beacon. However, this process may be performed at another timing. For example, after S322 in FIG. 3, the payout amount designated by the user 190 may exceed the balance.

  In the cash dispensing system 5 described above, the CD 100 that is an automatic cash dispenser has been described. However, the cash dispensing system is a concept including an automatic teller machine (ATM) and a system using an ATM. At least a part of the functions related to the CD 100 described above can be applied to an automatic teller machine (ATM), and at least a part of the functions related to the cash dispensing system 5 can be applied to the ATM system. The application target of the cash withdrawal system is not limited to cash withdrawal from a bank account and cashing. The cash withdrawal system can also be applied to withdrawals from various financial accounts other than bank accounts.

  In the above description, the reservation information stored in the payout reservation database 122 has been described as being transmitted to the user terminal 180. The CD 100 can be used for control by using information other than the reservation ID included in the reservation information received from the user terminal 180. However, the payout content stored in the payout reservation database 122 can be specified by the reservation ID. Therefore, if the CD 100 and the server 110 can always communicate, only the reservation ID may be transmitted to the user terminal 180 as reservation information. In this case, the NFC unit 260 of the user terminal 180 may instruct the CD 100 to pay out cash by transmitting a reservation ID to the CD 100. Then, the CD 100 may determine whether or not to pay out by transmitting a reservation ID to the server 110 and receiving reservation information including the reservation ID from the server 110. Further, the CD 100 may transmit the reservation ID and the identification information of the CD 100 to the server 110, cause the server 110 to determine whether or not to allow the cash out of the CD 100, and receive the determination result from the server 110. .

  Note that the information transmitted to the user terminal 180 may not include the limitation condition for the CD 100 used for paying out cash and the limitation condition regarding the date or time when the CD 100 can be used. In this case, the user terminal 180 does not store information on the CD 100 that can be used and the date and time, so the possibility of unauthorized use can be reduced.

  In the above description, at least a part of the processing described as the operation of the user terminal 180 can be realized by the processor controlling each hardware (for example, hard disk, memory, etc.) included in the computer according to the program. In this way, at least a part of the processing of the user terminal 180 is performed by the processor operating in accordance with the program to control each hardware, whereby each hardware including the processor, the hard disk, the memory, and the like cooperates with the program. It can be realized by operating. That is, the program can cause the computer to function as each unit of the user terminal 180. The computer may read a program that controls execution of the above-described process, operate according to the read program, and execute the process. The computer can read the program from a computer-readable recording medium storing the program. The program may be supplied to a computer through a communication line, and the computer may read the program supplied through the communication line.

  Similarly, at least a part of the processing described as the operation of the server 110 can be realized by the processor controlling each hardware included in the computer according to the program, and the program can cause the computer to function as the server 110. Of the processing described as the operation of the server 110, the network processor performs operations for transmitting and receiving various types of information, and the processing unit 40 performs operations other than information transmission and reception, such as operations such as determination and permission. Can do.

  Similarly, at least a part of the processing described as the operation of the CD 100 can be realized by the processor controlling each hardware of the computer according to the program. The program can cause the computer to function as each part of the CD 100. These programs can also be supplied to a computer as a computer-readable recording medium storing the program. These programs are also supplied to the computer through the communication line, and the computer may read the program supplied through the communication line.

  As mentioned above, although this invention was demonstrated using embodiment, 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 embodiment. It is apparent from the description of the scope of claims that embodiments with such changes or improvements can be included in the technical scope of the present invention.

  The execution order of each process such as operation, procedure, step, and stage in the apparatus, system, program, and method shown in the claims, the description, and the drawings is particularly “before” or “prior to”. It should be noted that the output can be realized in any order unless the output of the previous process is used in the subsequent process. Regarding the operation flow in the claims, the specification, and the drawings, even if it is described using “first”, “next”, etc. for the sake of convenience, it means that it is essential to carry out in this order. It is not a thing.

5 Cash Dispensing System 20 Store 30 Beacon Transmitter 40 Processing Unit 70 Communication Unit 80 CD Communication Unit 100 CD
102 NFC interface surface 104 Cash payment exit 110, 112 Server 120 Database server 121 Ledger database 122 Payment reservation database 123 User information database 160 Bank network 170 Communication network 180 User terminal 190 User 200 Processing unit 210 NFC unit 220 Server communication unit 230 Cash payment Unit 250 processing unit 260 NFC unit 270 communication unit 280 display unit 290 storage unit 262 beacon reception unit 282 operation reception unit 400 menu screen 410 selection button 500 amount setting screen 510, 520, 530 input box 590 setting button 600 usage date setting screen 610 Setting object 620 Input box 690 Setting button 700 Use branch setting screen 710 Setting object 720 Object 730 Shows objects 740,780 selection button 790 set button 800 using ATM setting screen 810, 820 objects 890 payout reservation execution button 1200 guidance information screen 1210 map object 1280 button 1290 button 1300 caching use screen 1310 and 1320 input box 1380,1390 button

Claims (10)

Reservation request transmission unit for transmitting reservation request information for reserving cash withdrawing from a cash dispensing device to a financial institution to a server;
Reservation information reception unit for receiving reservation information for specifying the payout contents of cash reserved for the financial institution from the server;
A storage unit for storing reservation information received from the server;
A beacon receiving unit that receives a beacon indicating the presence of a cash dispenser and a financial institution that can dispense cash from the cash dispenser;
When the beacon receiving unit receives the beacon, on the condition that the storage unit stores reservation information that specifies the payout contents of cash reserved for the financial institution indicated by the beacon. A notification unit for notifying the user of the presence of a cash dispenser capable of paying out reserved cash; and
A user comprising a payout request unit that communicates with a cash payout device based on the reservation information stored in the storage unit and requests the cash payout device to pay out cash based on the reservation content specified by the reservation information. Terminal. The reservation information indicates the location of the cash dispensing device specified by the user and used by the user for paying out,
The beacon indicates the location of the cash dispenser whose presence is indicated by the beacon;
The notifying unit is capable of paying out the reserved cash on the condition that the location of the cash dispensing device indicated by the beacon matches the location of the cash dispensing device used for the withdrawal indicated by the reservation information. The user terminal according to claim 1, wherein a user is notified of the presence of a simple cash dispensing device. The reservation information is designated by the user and indicates a time zone in which the user uses the cash dispensing device,
The notifying unit indicates the existence of a cash dispenser capable of paying out the reserved cash on the condition that the time when the beacon receiving unit receives the beacon is within a time zone indicated by the reservation information. The user terminal according to claim 1 or 2, wherein the user terminal is notified. The user terminal according to any one of claims 1 to 3, wherein the notification unit notifies the user of guidance information for guiding the user to a cash dispensing apparatus whose presence is indicated by the beacon received by the beacon receiving unit. . A privilege presentation unit that presents the location of the cash dispensing device and the content of the privilege corresponding to the cash dispensing device;
A receiving unit that receives from the user a selection instruction to select a location of the cash dispensing device that the user uses for cash dispensing out of the cash dispensing device locations presented by the privilege presenting unit;
A privilege grant unit that grants a privilege associated with the location selected by the selection instruction received by the reception unit to the user;
The reservation request transmission unit transmits reservation request information for reserving cash to be dispensed from a cash dispensing apparatus at a location selected by a selection instruction received by the reception unit to the server. The described user terminal. The reservation information indicates a payout amount for paying out cash,
The payout request unit transmits the payout amount indicated by the reservation information stored in the storage unit to the cash payout device, thereby paying out the cash of the amount indicated by the reservation information to the cash payout device. The user terminal as described in any one of Claim 1 to 5 to request | require. The reservation request transmission unit has a first limit on the balance of the user's financial account with respect to the financial institution when the balance of the user's account in the financial institution is smaller than the payout amount indicated by the reservation information. The first reservation request information for reserving the payout amount of cash is transmitted to the server, and the second payout amount obtained by subtracting the first payout amount from the cash payout amount indicated by the reservation information. The user terminal according to claim 6, wherein second reservation request information for reserving cash payment with respect to another financial institution is transmitted to a server of the other financial institution. The server communicating with the user terminal according to any one of claims 1 to 7,
A cash dispensing system comprising the cash dispensing apparatus. The user terminal;
The cash dispensing system according to claim 8, further comprising a beacon transmitter that transmits the beacon.   The program for functioning a computer as a user terminal as described in any one of Claim 1 to 6.

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