JP2017130055A - Cash withdrawal system and cash withdrawal method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a cash withdrawal system that realizes cash withdrawal from a deposit account without using a teller of a financial institution or an ATM installed by the financial institution.SOLUTION: A cash withdrawal system comprises: a payment device that pays cash in response to user's request for cash withdrawal; a mediation device that receives information on a payment amount and a payment fee corresponding to the amount from the payment device, and transmits the received information on the payment amount and the payment fee to a withdrawal device; and a withdrawal device that withdraws a total amount of the payment amount and the payment fee from an account of the withdrawing user on the basis of the information on the payment amount and the payment fee received from the mediation device, transfers the payment amount to an account of a cash provider and then transmits information on an intermediate fee being part of the payment fee to the withdrawal device. The mediation device determines part of the intermediate fee as a dividend on the basis of the information on the intermediate fee transmitted from the withdrawal device and distributes the dividend to the cash provider.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a cash withdrawal system for withdrawing cash from a deposit account.

  Conventionally, when making a withdrawal from a deposit account, it has been necessary to go to an ATM installed at a financial institution, a financial institution or a convenience store. An example of ATM installed in a financial institution or the like is disclosed in, for example, Patent Document 1 below.

  However, if there is no financial institution's window or ATM in the neighborhood due to depopulated areas, or if you are unable to go to the house even if there is a financial institution's window or ATM nearby, It was difficult to withdraw money from a deposit account.

  As a method for solving this problem, there is a method in which a financial institution mounts an ATM in a vehicle and makes a withdrawal from a deposit account by making a business trip to a depopulated area. In addition, when there is no financial institution's window or ATM in the neighborhood, there is a method of setting up an ATM at a small private store in the neighborhood so that withdrawal can be made.

JP 2008-102775 A

  However, it is difficult for a financial institution to travel on a daily basis because it is a heavy burden to travel with ATMs installed in a vehicle. In addition, since replenishment and collection of ATM cash is usually outsourced to financial institutions, it is not advantageous for financial institutions to install ATMs in places where transactions with ATMs commensurate with the outsourcing are not performed. . For this reason, installing ATMs in small private stores where ATM transactions are not frequently conducted has no merit for financial institutions, so it is difficult to install ATMs that are very expensive to operate. . Therefore, it was difficult to withdraw money on a daily basis.

  In view of the above problems, an object of the present invention is to provide a cash withdrawal system capable of withdrawing cash from a deposit account without relying on an ATM installed by a financial institution or a financial institution.

  In order to achieve the above object, the present invention provides a cash withdrawal system that enables withdrawal of cash, loaded with cash by a cash provider that provides cash for withdrawal, and responds to a cash withdrawal request of a user. The withdrawal device for withdrawing cash and the withdrawal amount and the withdrawal fee information corresponding to the withdrawal amount are received from the withdrawal device, and the received withdrawal amount and the withdrawal fee information are received from the withdrawal amount. And an intermediary device that transmits the withdrawal fee to a withdrawal device that performs processing to withdraw from the user account, and the withdrawal amount and the withdrawal fee based on the withdrawal amount and the withdrawal fee information received from the mediation device A process for withdrawing the sum of the fees from the user's account withdrawn, and a remittance process for transferring the withdrawal amount to the account of the cash provider, and a part of the withdrawal fee The withdrawal device that transmits information on a brokerage fee to the brokerage device, and the brokerage device uses a part of the brokerage fee as a distribution based on the brokerage fee information transmitted from the withdrawal device. Determining and distributing the determined distribution to the cash provider.

  Further, in the cash withdrawal system of the present invention, the intermediary device creates a withdrawal transaction report indicating the content of the withdrawal transaction based on the received withdrawal amount and the withdrawal fee information, and the created withdrawal transaction report It is a preferred aspect to determine the distribution based on a withdrawal transaction report.

  Moreover, in the cash withdrawal system of the present invention, it is a preferable aspect that the withdrawal device is a mobile withdrawal device mounted on a moving body.

  Moreover, in the cash withdrawal system of the present invention, it is a preferable aspect to transfer the distribution money to the account of the cash provider.

  Moreover, in the cash withdrawal system of the present invention, it is a preferable aspect that when the user withdraws the distribution money with the withdrawal device, the user pays the cash provider directly.

  The present invention also provides a withdrawal device that withdraws cash loaded by a cash provider that provides cash for withdrawal, a withdrawal device that performs a withdrawal process of cash from a user account, the withdrawal device, and the A cash withdrawal method by a cash withdrawal system that enables withdrawal of cash constituted by an intermediary device that mediates communication with a withdrawal device, wherein the cash is withdrawn in response to a user's cash withdrawal request The step of withdrawing apparatus, the amount of withdrawal and the information of withdrawal fee according to the amount are received from the withdrawal apparatus, and the received amount of withdrawal and information of the withdrawal fee are transmitted to the withdrawal apparatus Based on the step by the intermediary device and the information on the withdrawal amount and the withdrawal fee received from the mediation device, the sum of the withdrawal amount and the withdrawal fee is calculated. A process of debiting from the user's account, a remittance process of transferring the withdrawal amount to the cash provider's account, and further transmitting information on brokerage fees as part of the withdrawal fee to the brokerage device. A step of transmitting by the debiting device, and determining a part of the brokerage fee as a distribution based on the information of the brokerage fee transmitted from the debiting device, and determining the determined distribution as the cash It is characterized by distributing to providers.

  Further, in the cash withdrawal method of the present invention, the intermediary device creates a withdrawal transaction report indicating the contents of the withdrawal transaction based on the received withdrawal amount and the withdrawal fee information, and the created withdrawal transaction report It is a preferable aspect to further comprise the step of determining the distribution based on a withdrawal transaction report.

  Moreover, in the cash withdrawal method of the present invention, it is a preferable aspect that the withdrawal device is a mobile withdrawal device mounted for movement.

  Moreover, in the cash withdrawal method of the present invention, it is a preferable aspect that the intermediary device further includes a step of transferring the distribution money to the account of the cash provider.

  Moreover, in the cash withdrawal method of the present invention, it is a preferable aspect that the dispensing device further includes a step of paying the distribution money directly to the cash provider when the user withdraws cash.

  According to the present invention, it is possible to withdraw cash from a deposit account without relying on an ATM installed by a financial institution or a financial institution.

It is a figure which shows an example of a structure of the cash withdrawal system which concerns on embodiment. It is a figure which shows an example of the specific structure of the cash withdrawal system which concerns on embodiment. It is a figure which shows an example of the payment transaction report in embodiment. It is a figure which shows an example of a function structure of the IDC server in embodiment. It is a figure which shows an example of the hardware constitutions for implement | achieving the IDC server in embodiment. It is a figure for demonstrating flows, such as a payment commission in embodiment. It is a flowchart which shows an example of the processing flow of the cash withdrawal system containing the IDC server in embodiment. It is an external view which shows an example of the external appearance of CD machine in embodiment.

  Hereinafter, embodiments will be described with reference to the drawings. First, an example of a cash withdrawal system according to an embodiment will be described with reference to FIG. The cash withdrawal system 1 includes a CD (Cash Dispenser) machine 2, an IDC (Internet Data Center) server 3, a payment system 4, and a financial institution host 5. These are connected by a predetermined communication line. In FIG. 1, there is only one CD machine 2, but the number is not limited to one, and a plurality of CD machines 2 may be connected to the IDC server 3. The CD machine 2 is also called a dispensing device. The IDC server 3 is also called an intermediary device. The financial institution host 5 is also called a withdrawal device.

  The CD machine 2 is a device that withdraws the loaded cash (cash for withdrawal) in response to a user's cash withdrawal request, and sends the withdrawal amount and withdrawal fee information described later to the IDC server 3. To do. At this time, the CD machine 2 also transmits information on the account number recognized by the user's cash card, information on the personal identification number, and the like to the IDC server 3. The transmitted information is transmitted from the IDC server 3 to the settlement system 4 and the financial institution host 5, so that the settlement system 4 performs a predetermined check described later, and the financial institution host 5 deducts cash from the corresponding account. Can be processed.

  The IDC server 3, the payment system 4, and the financial institution host 5 will not use the account number information or the PIN number information as information such as the amount of money to be paid. In addition, using the received account number information and the like, a withdrawal process, a remittance process, a predetermined check, etc., which will be described later, are performed.

  An example of the appearance of the CD machine 2 is shown in FIG. When making a withdrawal, the user inserts a cash card into the card insertion slot 80 and inputs a desired withdrawal amount via the touch panel PC 81. When the input is completed, the CD machine 2 communicates with the settlement system 4, confirms that there is no problem with a predetermined check described later, notifies the withdrawal permission, and inputs the withdrawal amount to the banknote outlet 82. And a receipt on which a withdrawal amount and a later-described withdrawal fee are printed are discharged from the receipt outlet 83. The cover key 84 is a key for releasing the lock on the main body of the cover that covers the main body of the CD machine 2 or for locking the main body of the cover.

  The cash loaded into the CD machine 2 is provided by a person called a cash provider. The loading and collection of cash into the CD machine 2 is performed by a cash provider. The cash provider is not a financial institution or a business entrusted by the financial institution, but a manager of a private store where the CD machine 2 is installed, for example. Cash management becomes easy because the cash provider is not a financial institution.

  For example, in the case where the person who provides the cash of the CD machine 2 is a financial institution or a contractor entrusted to a financial institution, it is subject to legal restrictions, where and how much cash is loaded, and where it moves if cash is moving It is necessary to manage various things such as. In other words, legal regulations on cash handled by financial institutions are strict. On the other hand, if the person who provides the cash of the CD machine 2 is a person other than a financial institution or a trader entrusted to the financial institution, that is, a person who is not subject to legal regulations, the above management is not necessary. The CD machine 2 is basically specialized for cash withdrawal, unlike ATMs of financial institutions that provide various services. Therefore, unlike ATMs that are increased in size by installing complex functions, they can be reduced in size and can be easily installed in small-scale private stores.

  In addition, the CD machine 2 may be a mobile device mounted on a mobile body (for example, a vehicle) as well as a device fixedly installed in a private store or the like. In this case, communication with the IDC server 3 is performed via wireless communication. The cash provider in the case of the mobile CD machine 2 is, for example, a mounter who mounts the CD machine 2 on the moving body.

  The IDC server 3 is located between the CD machine 2 and the financial institution host 5, and the amount (withdrawal amount) withdrawn and its amount through a predetermined communication line (for example, the mobile network 20 shown in FIG. 2). The withdrawal fee information corresponding to the information is received from the CD machine 2, and the received withdrawal amount and withdrawal fee information are transmitted to the settlement system 4 and the financial institution host 5 that performs cash withdrawal processing from the user account. .

  More specifically, as shown in FIG. 2, the IDC server 3 is connected to a CD machine 2 having a VPN (Virtual Private Network) router 22 via a mobile network 20, a predetermined network service 21, or the like. It is connected to the financial institution host 5 via the payment system 4. The IDC server 3 is, for example, a part of an IDC system including the gateway 22 and mainly performs determination of distributions and creation of a withdrawal transaction report, which will be described later.

  The withdrawal fee is a fee that is charged when using the CD machine 2 to withdraw money from a user's deposit account (hereinafter also simply referred to as an account). The withdrawal fee may be determined according to the withdrawal amount, or may be a fixed amount regardless of the withdrawal amount. The amount obtained by subtracting the brokerage fee to be described later from the withdrawal fee becomes the income of the financial institution operating the financial institution host 5.

  Further, as will be described later, the IDC server 3 determines a part of the brokerage fee as a distribution in accordance with the transfer process of the brokerage fee by the financial institution host 5, and transfers the determined distribution to the cash provider. Perform remittance processing. The distribution amount may be different for each CD machine 2.

  Further, when the user uses the dispensing apparatus, the same operation is possible even by a method in which the distribution equivalent is paid directly to the cash provider.

  The IDC server 3 created a withdrawal transaction report indicating the contents of the withdrawal transaction based on the withdrawal amount and withdrawal fee information received from the CD machine 2 when determining the distribution. The distribution may be determined based on the withdrawal transaction report. The brokerage fee is a fee charged when mediating communication between the CD machine 2 and the financial institution host 5. Further, the distribution is paid to the cash provider in return for loading the cash for withdrawal to be provided.

  For an administrator (not shown) that manages the IDC server 3, the amount obtained by subtracting the distribution money from the brokerage fee is income, and for the cash provider, the distribution money is income.

  Here, an example of the withdrawal transaction report will be described with reference to FIG. As shown in FIG. 3, the withdrawal transaction report is composed of, for example, a withdrawal place ID, a withdrawal date and time, a withdrawal amount of the user, a withdrawal fee according to the withdrawal amount, and a CD machine connected to the IDC server 3. Every two are created by the IDC server 3. The withdrawal transaction report is not limited to this, and may include other information.

  The withdrawal location ID is identification information assigned to each installation location of the CD machine 2, and the ID is 1 in this example. The withdrawal location ID when the CD machine 2 is mobile is, for example, identification information assigned to each CD machine 2.

  The withdrawal date / time indicates the date / time of withdrawal, the withdrawal amount indicates the amount of withdrawal, and the withdrawal fee indicates a fee according to the withdrawal amount. In this example, the withdrawal fee is an amount corresponding to the withdrawal amount, and 5% of the withdrawal amount is the withdrawal fee. However, the withdrawal fee may be a fixed amount regardless of the withdrawal amount.

  The withdrawal transaction report is received by the IDC server 3 that has received the withdrawal location ID, withdrawal date / time, user withdrawal amount, withdrawal fee information from the CD machine 2 connected to the IDC server 3 through a predetermined communication line. Created for each CD 2.

  An example of a method for determining the distribution money by the IDC server 3 will be described. When determining the distribution amount without using the withdrawal transaction report, the IDC server 3 determines a part of the brokerage fee received from the financial institution host 5 (for example, 50% of the brokerage fee) as the distribution amount. On the other hand, when determining the distribution based on the withdrawal transaction report, the IDC server 3 determines the distribution according to the total value of the withdrawal amount, or determines the distribution according to the number of withdrawal transactions. To do. When determining the distribution according to the total value of the withdrawal amount, for example, if the total value is 100,000 yen or more, 7% of the total value will be distributed, and if it is less than 100,000 yen, the total value will be 5 % Is determined as distribution. When determining the distribution according to the number of withdrawal transactions, for example, if the number of withdrawal transactions is 10 or more, 7% of the total amount of withdrawals will be distributed, and the number of withdrawal transactions If there are less than 10 cases, 5% of the total value of the withdrawal amount is determined as the distribution amount.

  The settlement system 4 connects the CD machine 2 and the financial institution host 5 and processes a transaction using a cash card, and performs predetermined checks such as the validity of the cash card and the limit of use. If there is no problem in the checked result, the CD machine 2 and the financial institution host 5 are notified that there is no problem. In response to this notification, the CD machine 2 makes a withdrawal, and the financial institution host 5 performs a cash withdrawal process from the corresponding account.

  If there is no problem with the predetermined check, the financial institution host 5 adds the withdrawal amount and the withdrawal fee based on the withdrawal amount and withdrawal fee information received from the IDC server 3 via the settlement system 4. Is withdrawn from the account of the user who has withdrawn the money, and the remittance process is performed to transfer the withdrawal amount to the account of the cash provider, and information on the brokerage fee that is part of the withdrawal fee is sent to the IDC server 3. Send. The calculation of the brokerage fee may be determined in advance as 50% of the withdrawal fee, for example. Thereby, the amount of money (provided cash) is returned to the cash provider.

  With the above-described configuration, all persons (cash provider, manager of IDC server 3, financial institution operating financial institution host 5) can obtain income, and the so-called WIN-WIN relationship is established. Can be built.

  Next, an example of a functional configuration of the IDC server 3 in the embodiment will be described with reference to FIG. As shown in FIG. 4, the IDC server 3 includes a reception unit 40, a determination unit 41, a withdrawal transaction report creation unit 42, a transmission unit 43, and a storage unit 44. The configuration of the IDC server 3 is not limited to this, and may include other components.

  The receiving unit 40 receives information on the withdrawal amount and withdrawal fee (transaction data shown in FIG. 2) from the CD machine 2 through the mobile network 20 or the like.

  The determination unit 41 determines a part of the brokerage fee as a distribution based on the brokerage fee information transmitted from the financial institution host 5, and performs a remittance process for remitting the determined distribution to the cash provider. The determination unit 41 may determine the distribution based on the withdrawal transaction report created by the withdrawal transaction report creation unit 42.

  The withdrawal transaction report creation unit 42 creates a withdrawal transaction report indicating the contents of the withdrawal transaction based on the received withdrawal amount and withdrawal fee information.

  The transmission unit 43 transmits the received withdrawal amount and withdrawal fee information to the payment system 4 and the financial institution host 5.

  The storage unit 44 stores programs necessary for operating the IDC server 3.

  Here, an example of a hardware configuration for realizing the IDC server 3 in the embodiment will be described with reference to FIG. The hardware configuration includes, for example, a CPU (Central Processing Unit) 51, an HDD (Hard Disk Drive) 52, a ROM (Read Only Memory) 53, a RAM (Random Access Memory) 54, a communication interface (I / F) 55, and a bus 56. It has. The CPU 51, HDD 52, ROM 53, RAM 54, and communication interface (I / F) 55 are connected to each other via a bus 56, for example.

  The CPU 51 reads a program for performing various processes of the IDC server 3 stored in the HDD 52 or the like via the bus 56, temporarily stores the read program in the RAM 54, and performs various processes according to the program. It mainly functions as the determination unit 41 and the withdrawal transaction report creation unit 42 described above.

  The HDD 52 stores application programs for performing various processes of the IDC server 3, data necessary for the processes of the IDC server 3, and the like, and mainly functions as the storage unit 44 described above.

  The ROM 53 is a non-volatile memory, and stores programs such as a boot program and BIOS (BasicInput / Output System).

  The RAM 54 is a volatile memory, and temporarily stores an OS (Operating System) program and a part of application programs to be executed by the CPU 51. The RAM 54 stores various data necessary for processing by the CPU 51.

  The communication interface (I / F) 55 performs data transmission / reception with the outside (the CD machine 2, the financial institution host 5, etc.), and mainly functions as the transmission unit 43 described above.

The bus 56 is a path that mediates transmission / reception of control signals, data signals, and the like between the devices.
Here, an example of the flow of the withdrawal fee, the brokerage fee, and the distribution money in the embodiment will be described with reference to FIG. First, when the user withdraws a desired amount from the CD machine 2 (61), the financial institution host 5 performs a process of withdrawing the withdrawal amount and the withdrawal fee from the user account (62). The financial institution host 5 performs remittance processing to remit the amount corresponding to the withdrawal amount to the cash provider's account (63), and transmits the brokerage fee information to the IDC server 3 (64). The IDC server 3 performs a remittance process in which a portion of the brokerage fee is distributed to the cash provider's account (65).

  For example, if the user withdraws 10,000 yen and the withdrawal fee is 5% of the withdrawal amount, the withdrawal fee is 500 yen. The financial institution host 5 performs remittance processing for remittance of 10,000 yen to the cash provider's account. At this time, when the brokerage fee is 50% of the withdrawal fee, the brokerage fee is 250 yen, and the information is transmitted to the IDC server 3. When the distribution amount is 50% of the brokerage fee, the IDC server 3 performs a remittance process for transferring the distribution amount 125 yen to the cash provider's account.

  Below, an example of the processing flow of the cash withdrawal system including the IDC server 3 will be described with reference to FIG. First, the CD machine 2 receives a cash card from the user and receives a withdrawal amount desired by the user (step S701). The CD machine 2 transmits the received withdrawal amount and the withdrawal fee information corresponding to the withdrawal amount to the IDC server 3 via the mobile network 20 or the like (step S702).

  Upon receipt of the withdrawal amount and withdrawal fee information, the IDC server 3 transmits the received withdrawal amount and withdrawal fee information to the settlement system 4 via the gateway 22 (step S703). The settlement system 4 performs predetermined checks such as the validity of the cash card, and determines whether or not there is a problem with the withdrawal (step S704). If there is no problem with the withdrawal (Yes in step S704), the settlement system 4 sends a notice to the effect that there is no problem with the withdrawal to the CD machine 2 and information on the withdrawal amount and the withdrawal fee. (Step S705).

  The CD machine 2 withdraws based on the notification (step S706). The financial institution host 5 performs a process of withdrawing the sum of the withdrawal amount and the withdrawal fee from the withdrawal user's account based on the received withdrawal amount and withdrawal fee information (step S707). A remittance process for transferring the withdrawal amount to the account of the cash provider is performed (step 708), and further information on the brokerage fee which is a part of the withdrawal fee is transmitted to the IDC server 3 (step S709).

  The IDC server 3 determines a portion of the brokerage fee as a distribution based on the brokerage fee information transmitted from the financial institution host 5 (step S710), and transfers the determined distribution to the cash provider. Processing is performed (step S711).

  If it is determined in step S704 that there is a problem with withdrawal (No in step S704), the settlement system 4 transmits a notification that there is a problem with withdrawal to the CD machine 2 (step S712). The CD device 2 returns the cash card to the user based on the notification (step S713).

  In the cash withdrawal system 1 described above, it is also possible to provide various other services in addition to the service for withdrawing the withdrawal amount desired by the user. Below, an example of the service which can be provided is demonstrated.

  First, reservations such as consultation on opening of a time deposit using the CD machine 2 and consultation on financial products are made. For example, by displaying various consultation menus (not shown) on the touch panel PC 81 of the CD machine 2 and selecting the corresponding menus, it is possible to make a reservation for a desired consultation. In this case, the IDC server 3 notifies the accepted reservation to the financial institution host 5 or a terminal of a financial institution not shown.

  It is also possible to make a reservation for large withdrawals. For example, when a user wants to make a large amount of money (withdrawing 200,000 yen), the user makes a reservation for the withdrawal date and time (200,000 yen) in advance using the touch panel PC 81 of the CD machine 2. In this case, the IDC server 3 notifies the accepted reservation to a cash provider terminal (not shown). Thereby, even if it is expensive cash which cannot normally be withdrawn with the CD machine 2, it becomes possible to withdraw with the CD machine 2 by making a reservation in advance.

  Further, when the CD machine 2 is mobile, the CD machine 2 transmits information on the current position of the CD machine 2 and information on a planned travel route of the vehicle on which the CD machine 2 is mounted based on, for example, a mailing list. It is also possible to do. Thereby, the user of the CD machine 2 can grasp where the CD machine 2 is and how long it will arrive at the use place.

  In addition, when the CD machine 2 is mobile, and the vehicle on which the CD machine 2 is mounted also serves as a mobile supermarket, if the mobile supermarket product is insufficient, the touch panel PC 81 of the CD machine 2 is used. By making a replenishment reservation for a product with a shortage to the super headquarters or the like, the product can be replenished immediately when returning to the super headquarters for sale. In this case, the IDC server 3 notifies the received reservation to a terminal at the super headquarters (not shown).

  According to the cash withdrawal system as described above, it is possible to withdraw cash from a deposit account without relying on an ATM installed by a financial institution or a financial institution.

  In the above-described embodiment, the main processing of the IDC server 3 and the like has been described as being executed by software processing by the CPU. However, all or part of this processing may be realized by hardware.

  Further, the above-described embodiment is not limited to the above-described embodiment, and various changes can be made without departing from the gist of the embodiment.

DESCRIPTION OF SYMBOLS 1 Cash withdrawal system 2 CD machine 3 IDC server 4 Payment system 5 Financial institution host 20 Mobile network 21 Predetermined network service 22 Gateway 40 Receiving part 41 Determination part 42 Withdrawal transaction report preparation part 43 Transmission part 44 Storage part 51 CPU
52 HDD
53 ROM
54 RAM
55 Communication interface (I / F)
56 Bus 80 Card slot 81 Touch panel PC
82 Bill outlet 83 Receipt outlet 84 Cover key

Claims (10)

A cash withdrawal system that enables withdrawal of cash,
A withdrawal device that is loaded with cash by a cash provider that provides cash for withdrawal, and withdraws cash in response to a user's cash withdrawal request;
The withdrawal amount and the withdrawal fee information corresponding to the withdrawal amount are received from the withdrawal device, and the received withdrawal amount and the withdrawal fee information are withdrawn from the user account. An intermediary device that transmits to the withdrawal device for processing;
Based on the information of the withdrawal amount and the withdrawal fee received from the intermediary device, a process for withdrawing the sum of the withdrawal amount and the withdrawal fee from the account of the user who withdrawn, and Remittance processing for remittance of the withdrawal amount to the account of the cash provider, and further, the withdrawal device for transmitting information of brokerage fee that is a part of the withdrawal fee to the brokerage device,
Prepared,
The intermediary device determines a part of the brokerage fee as a distribution money based on the information of the brokerage fee transmitted from the withdrawal device, and distributes the determined distribution money to the cash provider. Characteristic cash withdrawal system.   The intermediary device creates a withdrawal transaction report indicating details of the withdrawal transaction based on the received withdrawal amount and the withdrawal fee information, and the distribution amount is based on the created withdrawal transaction report. The cash withdrawal system according to claim 1, wherein the cash withdrawal system is determined.   The cash withdrawal system according to claim 1 or 2, wherein the withdrawal device is a mobile withdrawal device mounted on a moving body.   4. The cash withdrawal system according to claim 1, wherein the distribution money is transferred to an account of the cash provider.   4. The cash withdrawal system according to claim 1, wherein when the user withdraws the distribution money by the withdrawal device, the cash is directly paid to the cash provider. 5. A withdrawal device that withdraws cash loaded by a cash provider that provides cash for withdrawal, a withdrawal device that performs cash withdrawal processing from a user account, and between the withdrawal device and the withdrawal device A cash withdrawal method by a cash withdrawal system that enables withdrawal of cash composed of an intermediary device that mediates communication,
A step by the withdrawal device for withdrawing cash in response to a user's cash withdrawal request;
A step by the intermediary device that receives information on a withdrawal amount and a withdrawal fee according to the amount from the withdrawal device, and transmits the received withdrawal amount and information on the withdrawal fee to the withdrawal device;
Based on the information of the withdrawal amount and the withdrawal fee received from the intermediary device, a process for withdrawing the sum of the withdrawal amount and the withdrawal fee from the account of the user who withdrawn, and Performing a remittance process for transferring the withdrawal amount to the account of the cash provider, and further transmitting information on brokerage fees that are part of the withdrawal fee to the brokerage device,
Have
A cash withdrawal characterized in that a part of the brokerage fee is determined as a distribution based on the brokerage information transmitted from the withdrawal device, and the determined distribution is distributed to the cash provider. Method.   The intermediary device creates a withdrawal transaction report indicating details of the withdrawal transaction based on the received withdrawal amount and the withdrawal fee information, and the distribution amount is based on the created withdrawal transaction report. The cash withdrawal method according to claim 6, further comprising a step of determining the cash amount.   The cash withdrawal method according to claim 6 or 7, wherein the withdrawal device is a mobile withdrawal device mounted for movement.   9. The cash withdrawal method according to claim 6, further comprising a step of transferring the distribution money to the cash provider's account.   9. The cash withdrawal method according to claim 6, further comprising a step of paying the distribution money directly to the cash provider when the withdrawal device withdraws cash.