JP2017102578A - Remittance system, method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system, a method and a program that allow a recipient to receive money without requiring to give notice of information on a transfer destination account and to freely withdraw the received money.SOLUTION: A remittance system is connected with an ATM and comprises: means for receiving a remittance request including a remittance amount from a remittance requester terminal; a database for storing the remittance amount and an identifier; means for receiving the identifier and a disbursement amount from the ATM; means for determining whether the received identifier accords with the identifier stored in the database; means for having the ATM disburse cash worth the disbursement amount if the identifiers accord with each other and capable of further disbursing from a balance after subtracting the disbursement amount from the remittance amount.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a technique for remittance.

  Nowadays, there are many cases where governments and companies have to send small amounts of money to a large number of individuals. For example, payment of benefits, reimbursement, remittance by recall, cash back for individuals, remittance by small prize, payment of salary / part-time work, payment of employee expenses, etc. Anyone who receives money sent to them wants to be able to receive it easily and quickly in cash.

  In the case of the above remittance, it is usually transferred to the recipient's account. However, in the case of transfer, the recipient must notify the sender of the account number of the transfer destination in advance. In addition, if there is an error in the account number etc. that the recipient has declared, the transfer cannot be made. In addition, the remittance must manage personal information such as the account number collected from the recipient.

  For this reason, securities such as prepaid cards are often sent so that the recipient's account need not be grasped. As means for sending cash to a recipient without going through an account, for example, the remittance systems of Patent Document 1 and Patent Document 2 are disclosed. In Patent Document 1 and Patent Document 2, authentication is performed using an ID, a barcode, or the like notified to the recipient in advance, and cash can be withdrawn when the authentication is successful.

JP 2014-10558 A JP 2004-206402 A

  However, in the currently disclosed remittance system including Patent Document 1 and Patent Document 2, the recipient can only receive the money sent at a time. For example, when 100,000 yen is transferred, the recipient can withdraw 100,000 yen at a time, but cannot withdraw 50,000 yen in two portions. Recipients do not always want to withdraw the entire amount at once, and there is a desire to withdraw in multiple steps as needed.

  The present invention has been made in view of such a problem, and the purpose of the present invention is to allow the recipient to receive money without having to notify the account information of the transfer destination. It is to provide a system, a method, and a program that can be withdrawn freely.

  In order to achieve such an object, a first aspect of the present invention is a remittance system. This remittance system is connected to an ATM, and receives a remittance request including a remittance amount from a remittance requester terminal, a database storing the remittance amount and an identifier, and an identifier and a withdrawal amount from the ATM. Means for receiving, means for determining whether or not the received identifier and the identifier stored in the database match, and when the identifier matches, the cash corresponding to the withdrawal amount is withdrawn to the ATM Means for allowing further withdrawals from a balance obtained by subtracting the withdrawal amount from the remittance amount.

  The second aspect of the present invention is a method executed by a remittance system. The remittance system is connected to an ATM, and the remittance system includes a database storing a remittance amount and an identifier. The method includes receiving a remittance request including the remittance amount from a remittance requester terminal; and Receiving the identifier and the withdrawal amount, determining whether or not the received identifier matches the identifier stored in the database, and if the identifier matches, the withdrawal to the ATM. A step of withdrawing cash corresponding to the amount, wherein the withdrawal can be further made from a balance obtained by subtracting the withdrawal amount from the remittance amount.

  The third aspect of the present invention is a remittance program. This program is a program for causing a computer connected to the ATM to function as the remittance system of the first aspect.

  According to the present invention, the payee can divide the sent money into multiple times and withdraw it in cash.

It is a schematic diagram of the service concerning one Embodiment of this invention. It is detail drawing of the remittance system concerning one Embodiment of this invention. It is a figure for demonstrating the data stored in the remittance database concerning one Embodiment of this invention. It is a figure for demonstrating the transition of the remittance database concerning one Embodiment of this invention. It is a flowchart which shows an example of the processing flow of the remittance request in the remittance system concerning one Embodiment of this invention. It is a flowchart which shows an example of the processing flow of the withdrawal request in the remittance system concerning one Embodiment of this invention. It is a schematic diagram in the case of using another identification information concerning one Embodiment of this invention. It is a schematic diagram in the case of using another identification information concerning one Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a schematic diagram of a service according to an embodiment of the present invention. The outline diagram includes a financial institution 101, ATM 102, remittance requester 103, and payee 104.

  The financial institution 101 is a financial institution having the remittance system according to the present invention. The ATM (automated teller machine) 102 can include an arbitrary ATM such as an ATM of the financial institution 101, an ATM of another financial institution, a convenience store ATM, or the like. The remittance requester 103 is a government, a company, or the like that requests the financial institution 101 to remit money to the recipient 104. The payee 104 can withdraw the money sent from the money transfer requester 103 at the ATM 102.

  The flow of service according to an embodiment of the present invention will be described. First, in S (step) 1, the remittance requester 103 requests the financial institution 101 to remit money. At that time, the remittance requester 103 notifies the address and name of the recipient 104 and the amount of remittance to the recipient 104. Next, in S <b> 2, the financial institution 101 delivers the withdrawal dedicated card to the recipient 104. Next, in S3, the payee 104 withdraws money at the ATM 102 using this withdrawal card. At that time, the payee 104 can divide the sent money into a plurality of times and withdraw it in cash. By printing characters and the like on this withdrawal-only card, it is possible to add value to the card itself.

  In place of this withdrawal card, “identifier to be identified using smartphone application”, “identifier for identifying an individual such as My Number (Social Security / Tax Number) of Recipient 104”, “Receipt The “biological information such as the finger vein of the person 104” or the like may be used as a means for specifying the recipient 104 at the time of withdrawal at the ATM 102. Details will be described later.

  This withdrawal card (and the above-mentioned “identifier that is identified using the smartphone application” etc.) is not only used for one-time remittance but also for multiple remittances (for example, salary / part-time job) Can be used for recurring remittance such as payment of fees). That is, the card issued at the time of the first remittance can be used for the subsequent remittance. In this case, the payee 104 does not need to wait for the withdrawal-only card to arrive, and can immediately withdraw money when receiving a remittance guidance from the remittance requester 103. Since the card can be used repeatedly in this way, the expense of issuing the card is eliminated.

  FIG. 2 is a detailed view of the remittance system according to the embodiment of the present invention. The remittance system 200 includes a remittance request receiving unit 201, a first identification information registration unit 202, a second identification information registration unit 203, a remittance database 204, a withdrawal request receiving unit 205, and an authentication unit 206. The remittance system 200 is a computer including a processor and a memory. The remittance system 200 is a program for operating the remittance request receiving unit 201, the first identification information registration unit 202, the second identification information registration unit 203, the withdrawal request receiving unit 205, and the authentication unit 206, or will be described later. A storage medium storing a program for executing the processing flow is included. Details will be described below.

  The remittance request receiving means 201 can receive remittance request data from a remittance requester terminal 210 (a terminal for the remittance requester 103 to request remittance). The remittance request data can include the address and name of the party to whom the remittance is to be made (ie, the payee 104), and the remittance amount to the payee 104. Further, the remittance request data can include information for specifying an account from which funds for remittance are withdrawn. The remittance request receiving means 201 may receive the account number or the like of the remittance requester 103 as information for specifying an account, or receives an identifier and stores an account corresponding to the identifier in a database (not shown). ) May be extracted. The remittance amount to the payee is reduced from the balance of the account thus specified. The remittance request receiving means 201 can record the received remittance request data in a remittance database 204 described later. Further, the remittance request receiving means 201 can refer to the upper limit amount recorded in the remittance database 204 and determine whether or not the remittance amount to the recipient 104 satisfies the upper limit amount condition.

  The first identification information registration unit 202 can generate first identification information used for authentication when making a withdrawal at the ATM 102. Further, the first identification information registration unit 202 can register the first identification information in the remittance database 204. For example, in the case of FIG. 1, the first identification information is an identifier for specifying a withdrawal-only card to be delivered to the recipient 104 (for example, an identifier made up of numbers or alphabets written on the magnetic stripe of the withdrawal-only card). (The same identifier may be printed on the surface of the card.) As described above, the first identification information is not limited to the identifier for specifying the withdrawal-only card, and may be information that can specify the recipient 104. For example, the first identification information includes an identifier that is identified using an application of a smartphone, an identifier for specifying an individual such as a personal number (social security / tax number) of the recipient 104, and a living body such as a finger vein of the recipient 104 It can be information.

  The second identification information registration unit 203 can generate second identification information used for authentication when the ATM 102 withdraws money. Further, the second identification information registration unit 203 can register the second identification information in the remittance database 204. Further, the second identification information registration means 203 can notify the registered second identification information to a terminal (not shown) of the recipient 104 by e-mail or the like (in this case, the remittance system 200 sends a remittance request). The e-mail address of the recipient 104 is received together with the data). Alternatively, the second identification information registration unit 203 may notify the remittance requester terminal 210 of the second identification information, and the remittance requester terminal 210 may notify the second identification information to the terminal of the recipient 104 by e-mail or the like. it can. For example, in the case of FIG. 1, the second identification information is a password for inputting to the ATM 102 when the payee 104 withdraws money. The second identification information is not limited to the personal identification number and may be information that can be used for authentication for preventing spoofing. For example, the second identification information may be the date of birth of the payee 104 and the membership number of the payee 104 (membership number of a service provided by the remittance requester 103). In addition, this invention can also be implemented using 2nd identification information, and can also be implemented without using it. That is, you may authenticate using two identification information of 1st identification information and 2nd identification information, and you may authenticate using only 1st identification information.

  The remittance database 204 is a database that stores information related to remittance. The remittance database 204 will be described in detail with reference to FIGS.

  FIG. 3 is a diagram for explaining data stored in the remittance database according to the embodiment of the present invention. The remittance database 204 can store information related to remittance requester information, amount, upper limit amount, occurrence date, expiration date, execution date, first identification information, second identification information, and fee-free count.

  “Remittance requester information” indicates information for identifying an account from which funds for remittance are withdrawn (that is, deposit type, store number, account number, etc. of the account of the remittance requester 103). “Amount” indicates a remittance amount, a withdrawal amount, and a difference between the remittance amount and the withdrawal amount. The “amount” will be described in detail with reference to FIG. The “upper limit” is an amount set for remittance. For example, the “upper limit” can indicate the upper limit of the amount that can be transferred at once, the upper limit of the total amount that can be transferred by multiple transfers, and the like. The upper limit can be set for each remittance requester 103 or can be set for each recipient 104 (that is, for each first identification information). “Occurrence date” indicates the date (or date and time) when the remittance system 200 received remittance request data from the remittance requester terminal 210. The “expiration date” indicates the expiration date that the recipient 104 can withdraw at the ATM 102. The “execution date” indicates the date (or date and time) when the withdrawal is performed. The “execution date” will be described in detail with reference to FIG. “First identification information” indicates identification information registered by the first identification information registration unit 202. “Second identification information” indicates identification information registered by the second identification information registration unit 203. Note that the combination of the first identification information and the second identification information shown in FIG. 3 is an example, and any combination is possible. “Number of commissions free of charge” indicates the number of times that the recipient 104 can withdraw money at the ATM 102 without incurring a fee (that is, the remittance requester 103 bears the fee). The remittance requester 103 can determine the number of fees free of charge in advance.

  FIG. 4 is a diagram for explaining the transition of the remittance database according to the embodiment of the present invention. First, in S (step) 1, it is assumed that the remittance requester 103 requests remittance of 100,000 yen. Next, it is assumed that the recipient 104 withdraws 30,000 yen in S2. Next, it is assumed that the remittance requester 103 further requested a remittance of 50,000 yen in S3. Next, it is assumed that the payee 104 withdraws 80,000 yen in S4.

First, S1 will be described.
[Detail 1]
In S1, the details about the remittance (detail 1) are created. As shown in the description 1, the amount of money transferred is recorded as “amount” of 100,000 yen. In addition, the date of remittance (October 19, 2015) is recorded in the “occurrence date”. If the fee-free number of times for this remittance is five, “5” is recorded in the “number of fee-free”. Since no withdrawal has been made, the “execution date” remains blank. In this way, new details are created when the money is transferred.

Next, S2 will be described.
[Detail 1]
In S2, since the withdrawal was performed, the date (October 20, 2015) when the withdrawal was performed is recorded in the “execution date” of the specification 1. In this way, the “execution date” of the details about the remittance (detail 1) is recorded when the details are created and then withdrawn for the first time.
[Detail 2]
Further, in S2, the details about the withdrawal (detail 2) are created. As shown in the specification 2, the amount of money 30,000 yen withdrawn is recorded in “Amount”. In addition, the date of withdrawal (October 20, 2015) is recorded in the “execution date”. In this way, when a withdrawal is made, a new detail recording the withdrawal amount is created.
[Detail 3]
Further, in S2, a detail (detail 3) of the difference after withdrawal is created (not created when the difference is 0 yen). As shown in the specification 3, the difference amount (70,000 yen) between the remittance amount (100,000 yen) and the withdrawal amount (30,000 yen) is recorded in "Amount". In addition, the number of times that one time is subtracted (that is, four times) is recorded in the “commission free number of times”. Since the withdrawal has not yet been made for the difference, the “execution date” remains blank. In this way, when a withdrawal is made, a new detail is created that records the difference between the amount of money transferred and the amount of money to be withdrawn.
[Balance]
If there is a balance inquiry in the state of S2, the difference between the remittance amount and the withdrawal amount (70,000 yen, which is the “amount” in Detail 3) becomes the balance. The payee 104 can withdraw money up to the balance amount.

Next, S3 will be described.
[Details 1 and 2]
In S3, specification 1 remains as specification 1 of S2. The specification 2 remains the specification 2 of S2. Thus, the update of data is completed for the details in which the execution date is recorded.
[Detail 3]
In addition, since the withdrawal is not performed in S3, the detail 3 remains the detail 3 of the S2.
[Detail 4]
In S3, the details (detail 4) about remittance are newly created. As shown in the specification 4, the amount of money sent is 50,000 yen is recorded in “Amount”. In addition, the date of remittance (October 21, 2015) is recorded in the “occurrence date”. Further, if the fee-free number of times for this remittance is five, “5” is recorded in the “number of fee-free”. In this way, a new detail is created each time remittance is made.
[Balance]
If there is a balance inquiry in the state of S3, the sum of the “difference between remittance amount and withdrawal amount” and the “remittance amount” (“amount (70,000 yen) of detail 3” and “amount (50 , 2,000 yen) ”is the sum of 120,000 yen). That is, the sum of the “amount” of the details for which the “execution date” is not recorded becomes the balance.

Next, S4 will be described.
[Details 1 and 2]
In S4, specification 1 remains as specification 1 of S2. The specification 2 remains the specification 2 of S2.
[Detail 3]
In the remittance system according to the present invention, withdrawals are made in the order from the oldest occurrence date of the details in which all or a part of the remittance amount has not been withdrawn (that is, the details with the “execution date” not recorded). Can be applied to. Furthermore, in the remittance system according to the present invention, when the amount of money to be withdrawn is insufficient for the amount of one item (the amount of money to be sent or the difference between the amount of money to be sent and the amount of money to be withdrawn), a plurality of items are applied to the withdrawal. I can go. In the example of FIG. 4, for withdrawal of 80,000 yen, 70,000 yen of specification 3 is first allocated to withdrawal, and 10,000 yen out of 50,000 yen of specification 4 is further withdrawn. Appropriated.
In S4, since the detail 3 is first applied to the withdrawal, the date of the withdrawal (October 22, 2015) is recorded in the “execution date” of the detail 3. Next, since the detail 4 is applied to the withdrawal, the date (October 22, 2015) when the withdrawal was performed is recorded in the “execution date” of the detail 4.
Further, in S4, details (detail 5) about the withdrawal are created. As shown in the specification 5, the amount of money withdrawn is recorded in “Amount”. In addition, the date of the withdrawal (October 22, 2015) is recorded in the “execution date”.
Further, in S4, a detail (detail 6) about the difference after the withdrawal is created. As shown in the specification 6, the difference amount (40,000 yen) between the remittance amount (50,000 yen) and the withdrawal amount (10,000 yen) is recorded in "Amount". In addition, the number of times that one time is subtracted (that is, four times) is recorded in the “commission free number of times”. Note that the “commission fee-free count” may be the number of times per remittance (that is, valid until all remittance is applied to withdrawal) or may be carried over to another remittance. The withdrawal date has not yet been withdrawn, so the “execution date” remains blank.
[Balance]
When there is a balance inquiry in the state of S4, the sum of the “amount” of the details for which the “execution date” is not recorded (40,000 yen that is the “amount” of the details 4) becomes the balance.

  Some of the above specifications may not be disclosed to the recipient 104. Specifically, the payee 104 can inquire the details of remittance or withdrawal by operating the ATM 102 or the like. At that time, some details can be hidden. For example, as shown in FIG. 4, the item “display / non-display” is “non-display”, the specification 1 of S2, the specification 1 of S3, the specification 1 and 4 of S4 (that is, withdrawn) Subsequent “details about remittance”) can be hidden.

  Returning to the description of FIG. The withdrawal request receiving means 205 can receive withdrawal request data from the ATM 102. The withdrawal request data can include an amount that the recipient 104 wishes to withdraw and first identification information. Further, the withdrawal request data can include second identification information. The withdrawal request receiving means 205 can record the received withdrawal request data in a memory so that the authentication means 206 can refer to it.

  The authentication unit 206 can determine whether or not the first identification information received from the ATM 102 matches the first identification information registered in the remittance database 204. Further, the authentication unit 206 can determine whether or not the second identification information received from the ATM 102 matches the second identification information registered in the remittance database 204. Further, the authentication unit 206 can determine whether or not the amount requested for withdrawal is equal to or less than the balance registered in the remittance database 204. Further, the authentication unit 206 can determine whether or not the date when the withdrawal request data is received is within the expiration date registered in the remittance database 204. Further, the authentication unit 206 can determine whether or not the fee is free with reference to the fee free number registered in the remittance database 204. Further, the authentication unit 206 can perform recording in the remittance database 204 described with reference to FIG. Further, when it is determined that the withdrawal is possible, the authentication unit 206 can cause the ATM 102 to withdraw cash corresponding to the amount requested for withdrawal.

  FIG. 5 is a flowchart showing an example of a remittance request processing flow in the remittance system according to the embodiment of the present invention.

  In S (step) 501, the remittance system 200 can receive remittance request data from the remittance requester terminal 210 and record it in the remittance database 204. As described above, the remittance request data can include the address and name of the payee 104, the amount of money to be sent to the payee 104, and information for identifying an account from which funds for transfer are deducted. The remittance system 200 can determine whether or not the remittance amount to the recipient 104 satisfies the upper limit amount with reference to the upper limit amount recorded in the remittance database 204. If the condition is satisfied, the process proceeds to S502. If the condition is not satisfied, the process proceeds to S505. In S505, the remittance system 200 notifies the remittance requester terminal 210 that the condition is not satisfied.

  In S502, the remittance system 200 generates first identification information (for example, an identifier for specifying a withdrawal-only card to be delivered to the payee 104), and the remittance request data received in S501 (to the payee 104). To the remittance database 204. The withdrawal-dedicated card in which the registered identifier is written is delivered to the recipient 104.

  In S503, the remittance system 200 generates second identification information (for example, a password for inputting to the ATM 102 when the payee 104 withdraws money), and the remittance request data received in S501 (to the payee 104). To the remittance database 204.

  In S504, the remittance system 200 can notify the second identification information registered in S503 to the terminal of the recipient 104 by e-mail or the like. Alternatively, it is possible to notify the terminal of the recipient 104 via the remittance requester terminal 210.

  Note that steps 503 and 504 can be omitted. For example, in the case of a small remittance of several hundred yen, etc., the first identification information is notified (delivery of a withdrawal-only card) without the trouble and expense of notifying the recipient of the second identification information (such as a password). ) Only, the burden on the remittance requester 103 can be reduced.

  FIG. 6 is a flowchart showing an example of a processing flow of a withdrawal request in the remittance system according to the embodiment of the present invention.

  In S (step) 601, the remittance system 200 can receive withdrawal request data from the ATM 102. As described above, the withdrawal request data can include the amount that the recipient 104 wants to withdraw, the first identification information, and the second identification information. When S503 and 504 in FIG. 5 are omitted, the second identification information is not included.

  In S602, the remittance system 200 determines whether or not the first identification information and the second identification information received from the ATM 102 in S601 match each of the first identification information and the second identification information registered in the remittance database 204. Judgment can be made. If they match, the process proceeds to S603, and if they do not match, the process proceeds to S605. In step S605, the remittance system 200 notifies the ATM 102 that the authentication has not succeeded.

  In S603, the remittance system 200 determines whether a withdrawal condition other than the authentication in S602 is satisfied. For example, as described above, the remittance system 200 can determine whether the amount requested for withdrawal is equal to or less than the balance registered in the remittance database 204. Further, the remittance system 200 can determine whether or not the date when the withdrawal request data is received is within the expiration date registered in the remittance database 204. Further, the remittance system 200 updates the balance data in the remittance database 204. If the conditions for all withdrawals are satisfied, the process proceeds to S604; otherwise, the process proceeds to S606. In S606, the remittance system 200 notifies the ATM 102 that the withdrawal condition is not satisfied. Note that the order of S602 and 603 may be reversed.

  In S604, the remittance system 200 can cause the ATM 102 to withdraw cash corresponding to the amount requested for withdrawal in S601. Further, the remittance system 200 can determine whether or not the fee is free and allow the ATM 102 to collect the fee.

  Another embodiment of the present invention will be described below.

[When using a smartphone application]
FIG. 7 is a schematic diagram in the case of using another identification information according to the embodiment of the present invention. With reference to FIG. 7, a case will be described in which an identifier determined using a smartphone application (application software) is used as the first identification information. FIG. 7 includes a remittance system 200, ATM 102, remittance requester terminal 210, and recipient 104. The ATM 102 in this case is an ATM corresponding to a smartphone application. For example, the ATM 102 can transmit and receive data using a smartphone of the recipient 104 and an application.

  The flow of this example will be explained. First, in S (step) 1, the remittance requester terminal 210 sends a remittance to the terminal of the recipient 104 (not shown) and a password for input to the ATM 102. (That is, the second identification information registered in the transmission database 204) is transmitted by e-mail or the like. Next, in S <b> 2, the remittance requester terminal 210 transmits remittance request data to the remittance system 200. At that time, the remittance requester terminal 210 notifies the e-mail address of the recipient 104 and the amount of remittance (in this example, notification of the address of the recipient 104 is not necessary). Next, in S <b> 3, the remittance system 200 sends the smartphone application to the recipient 104 terminal (for example, notifies a page on which the application can be downloaded by e-mail). Next, in S <b> 4, the payee 104 withdraws at the ATM 102 using the smartphone in which the application is installed. Specifically, for example, the smartphone notifies the ATM 102 of an identifier stored in the smartphone using an application. This identifier is registered as “first identification information” in the remittance database 204. The ATM 102 transmits the notified identifier to the remittance system 200. The remittance system 200 can perform authentication by determining whether or not the identifier received from the ATM 102 matches the first identification information registered in the remittance database 204. The other processes are the same as those described above, and will be omitted. By using the smartphone application in this way, the expense of issuing and delivering the card becomes unnecessary.

[When using biometric authentication]
FIG. 8 is a schematic diagram in the case of using another identification information according to the embodiment of the present invention. The case where biometric information is used as the first identification information will be described with reference to FIG. FIG. 8 includes a remittance system 200, ATM 102, remittance requester terminal 210, and recipient 104. The ATM 102 in this case is an ATM corresponding to biometric authentication. For example, the ATM 102 can read biological information such as a finger vein of the recipient 104.

  The flow of this example will be explained. First, in S (step) 1, the recipient 104 registers his / her biometric information in a financial institution. This biometric information is registered in a financial institution database (not shown) together with information (name, date of birth, etc.) for identifying the recipient 104. Next, in S <b> 2, the remittance requester terminal 210 transmits an instruction for remittance to the terminal (not shown) of the recipient 104 by e-mail or the like. Next, in S <b> 3, the remittance requester terminal 210 transmits remittance request data to the remittance system 200. At that time, the remittance requester terminal 210 notifies information (name, date of birth, etc.) that can identify the recipient 104 and the amount of remittance (in this example, notification of the address of the recipient 104 is unnecessary). The remittance system 200 extracts the biometric information of the person whose name and date of birth are the same as the notified name and date of birth from the pre-registered biometric information, and stores the “first identification” in the remittance database 204. Register as "Information". Next, in S <b> 4, the payee 104 withdraws money at the ATM 102. Specifically, for example, the ATM 102 reads the biometric information of the recipient 104 and transmits it to the remittance system 200. The remittance system 200 can perform authentication by determining whether the biometric information received from the ATM 102 matches the biometric information registered in the remittance database 204. The other processes are the same as those described above, and will be omitted. By using biometric authentication in this way, card issuance and delivery, and notification of a personal identification number become unnecessary, and the recipient can receive cash simply by holding his hand over the ATM.

[When multiple remittance clients use common identification information]
In the present invention, it is possible for a plurality of remittance requesters to use common identification information (first identification information and second identification information). That is, a withdrawal card issued by a certain company for remittance can be used for remittance by another company.

[When using an agent]
In the present invention, instead of a financial institution, an agency can deliver a withdrawal-only card or send guidance for remittance. That is, the agent receives the name and address of the recipient, information on the amount of money to be sent, and funds for sending money from the money transfer requester. The agency then deposits funds to a financial institution, delivers a withdrawal card, and sends a notice to the effect of remittance. Therefore, the remittance requester does not need to make a contract for a remittance service with a financial institution, and only needs to notify the agent of the address, name, and amount of remittance of the recipient.

  Thus, in the present invention, the recipient can receive the remittance from the remittance requester without opening an account at the financial institution. Furthermore, when receiving, the recipient can withdraw cash in a plurality of times. Therefore, it is possible to withdraw money more flexibly than the conventional remittance system.

  The embodiment of the present invention has been described so far. However, the above embodiment is merely an example, and the present invention is not limited to the above-described embodiment, and may be implemented in various forms within the scope of the technical idea. Needless to say, it is good.

  In addition, the scope of the present invention is not limited to the illustrated and described exemplary embodiments, and includes all embodiments that provide the same effects as those intended by the present invention. Further, the scope of the invention is not limited to the combinations of features of the invention defined by the claims, but may be defined by any desired combination of particular features among all the disclosed features. .

101 Financial Institution 102 ATM
103 Remittance Requester 104 Recipient 200 Remittance System 201 Remittance Request Receiving Unit 202 First Identification Information Registration Unit 203 Second Identification Information Registration Unit 204 Remittance Database 205 Withdrawal Request Receiving Unit 206 Authentication Unit 210 Remittance Requester Terminal

Claims (11)

A remittance system, wherein the remittance system is connected to an ATM;
Means for receiving a remittance request including the remittance amount from the remittance requester terminal;
A database storing the remittance amount and an identifier;
Means for receiving an identifier and a withdrawal amount from the ATM;
Means for determining whether the received identifier matches an identifier stored in the database;
Means for allowing the ATM to withdraw the cash for the amount to be withdrawn when the identifiers match, the means being further capable of withdrawing from a balance obtained by subtracting the amount to be withdrawn from the amount of money to be transferred A remittance system characterized by that.   The remittance system according to claim 1, further comprising means for further receiving another remittance request.   The remittance system according to claim 1 or 2, wherein the identifier received from the ATM is an identifier stored in a withdrawal-dedicated card.   The identifier received from the ATM is an identifier stored in the smartphone, which is determined using application software of the smartphone, and an identifier input to the ATM. Remittance system.   The remittance system according to claim 1 or 2, wherein the identifier received from the ATM is a recipient's biometric information. A method executed by a remittance system, wherein the remittance system is connected to an ATM, the remittance system comprising a database storing a remittance amount and an identifier,
Receiving a remittance request including the remittance amount from a remittance requester terminal;
Receiving an identifier and a withdrawal amount from the ATM;
Determining whether the received identifier matches an identifier stored in the database;
If the identifiers match, allowing the ATM to withdraw cash for the amount to be withdrawn, and further withdrawing from a balance obtained by subtracting the amount to be withdrawn from the amount to be repaid. A method characterized by.   The method of claim 6, further comprising receiving another remittance request.   8. The method according to claim 6, wherein the identifier received from the ATM is an identifier stored in a withdrawal-only card.   The identifier received from the ATM is an identifier stored in the smartphone determined using application software of the smartphone and an identifier input to the ATM. the method of.   The method according to claim 6 or 7, wherein the identifier received from the ATM is recipient's biometric information.   The program for making a computer perform the method as described in any one of Claims 6-10.

Images