JP2019049911A - Payment control device, payment control method, and payment control program - Google Patents

Abstract

To provide a payment control device, a payment control method, and a payment control program capable of quickly and easily obtaining cash when requiring cash at a travel destination or the like.SOLUTION: A card company server 111 comprises a registration part 401, a first acquisition part 402, and a permission part 403. The registration part 401 registers payment information for each user in advance. The payment information includes user identification information and information on cash acquisition source. The user identification information includes passport information and authentication information associated with the passport information. The first acquisition part 402 acquires presentation information including the passport information and the authentication information presented from the user. The permission part 403 allows the user to withdraw the desired amount from the cash acquisition source according to an authentication result using the presentation information acquired by the first acquisition part 402 and the user identification information registered in the registration part 401.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a dispensing control device, a dispensing control method, and a dispensing control program.

  Conventionally, when the traveler does not have cash at a travel destination such as overseas travel, for example, by cashing of a credit card, or when there is a bank account available at the travel destination, the cash is stored in advance in the bank account. It is possible to obtain cash even at your travel destination by keeping the

  In addition, when cash is required at the travel destination, if the traveler can not use the credit card or the bank's cash card due to loss or the like, for example, the remittance request of the home country is notified. Then, the remittance procedure is carried out at a predetermined dealer in the country of origin, and the receiver performs the receipt procedure at a predetermined dealer at the destination to receive the remittance amount.

  As a related prior art, when a remittance request is received, an ID and password are issued to notify the remittance client and the recipient, and the ID and password from the recipient enter a password that is encoded in the remittance certificate. There is disclosed a method of transferring data to a recipient, and paying out the amount when the password entered at the time of the dispensing operation with this exchange certificate at the ATM (Automated Teller Machine) matches the password indicated by the code (for example, Patent Document 1 below).

JP, 2006-127453, A

  However, in the prior art, it is time and labor for the sender to carry out various procedures, and depending on the sender's response, it may take time for the remittance to be completed. There was a problem that it was not easy to get cash easily.

  SUMMARY OF THE INVENTION The present invention solves the problems of the prior art described above, and a dispensing control apparatus, dispensing control method, and dispensing control that can obtain cash quickly and easily when travel destination etc require cash. The purpose is to provide a control program.

  In order to solve the problems described above and to achieve the object, the payment control apparatus according to the present invention previously uses, for each user, user identification information including passport information and authentication information associated with the passport information. , Registration means for registering information on a cash acquisition source, first acquisition means for acquiring presentation information including passport information and authentication information presented by the user, and acquired by the first acquisition means Permission means for permitting the user to withdraw the amount of money desired by the user according to the authentication result using the presentation information and the user identification information registered in the registration means; , And characterized in that.

  Further, in the dispensing control apparatus according to the present invention, in the above-mentioned invention, the information on the source of the cash includes information on the source corresponding to a predetermined card, and the first acquisition unit is owned by the user. Obtaining card information of the predetermined card, and permitting the payment according to the authentication result or according to the card information acquired by the first acquiring unit. It features.

  Further, in the dispensing control apparatus according to the present invention, in the above-mentioned invention, the permission means does not permit the payment according to the authentication result when the card can be used. It is characterized in that the payment according to the authentication result is permitted when the card can not be used.

  Further, in the above-mentioned invention, the dispensing control apparatus according to the present invention further includes a second acquisition unit which acquires information of a travel document which is issued by a predetermined destination organization and which serves as a substitute for a passport, and the registration unit Information of the passport corresponding to the information of the travel statement acquired by the second acquisition means among the information of the passport registered in advance is rewritten to the information of the travel statement, and the user identification information is registered; The first acquisition means is characterized by acquiring presentation information including information on a travel statement presented by the user and the authentication information.

  Further, in the dispensing control apparatus according to the present invention, in the above-mentioned invention, the registration unit registers information indicating a destination designated by the user, and the first acquisition unit indicates information indicating the location of the user. The acquiring unit is characterized in that, when the location corresponds to the destination, the permission means permits the withdrawal at the location according to the authentication result.

  Further, in the dispensing control apparatus according to the present invention, in the above-mentioned invention, the registration unit registers information indicating an upper limit of each travel destination, and the first acquisition unit indicates information indicating a desired withdrawal amount. And the permission means permits the withdrawal according to the authentication result when the desired withdrawal amount is within the upper limit amount of money for each destination.

  Further, in the dispensing control apparatus according to the present invention, in the above-described invention, the registration unit registers information indicating a stay period of the travel destination, and the first acquisition unit determines the date and time when the presentation information is presented. The information indicating is obtained, and the permission means permits the withdrawal according to the authentication result when the date and time correspond to the stay period.

  Further, in the payment control apparatus according to the present invention, in the above-mentioned invention, the first acquisition means acquires departure information indicating that the user has departed from the travel destination, and the permission means is the first acquisition means When the departure information is obtained by the method, the withdrawal according to the authentication result is not permitted at the destination.

  Further, in the payment control method according to the present invention, user identification information including information on a passport and authentication information associated with the information on the passport is registered in advance for each user, and information on a cash acquisition source. And the presentation information including the information on the passport and the authentication information presented by the user, and the cash is provided according to the authentication result using the acquired presentation information obtained and the registered user identification information. The computer is characterized by executing processing for permitting withdrawal of the amount of money desired by the user from the source.

  In addition, the payment control program according to the present invention registers in advance, for each user, user identification information including information on a passport and authentication information associated with the information on the passport, and information on a cash acquisition source. And the presentation information including the information on the passport and the authentication information presented by the user, and the cash is provided according to the authentication result using the acquired presentation information obtained and the registered user identification information. Allowing a computer to execute processing for permitting withdrawal of the amount of money desired by the user from the source.

  According to the dispensing control device, the dispensing control method, and the dispensing control program according to the present invention, it is possible to obtain cash quickly and easily when cash is required at a travel destination or the like. .

FIG. 1 is an explanatory view showing an example of a system configuration of the payment control system 100 according to the embodiment. FIG. 2A is a block diagram showing an example of the hardware configuration of the card company server 111. As shown in FIG. FIG. 2B is a block diagram showing an example of the hardware configuration of the first country terminal 121 and the second country terminal 131. As shown in FIG. FIG. 3A is an explanatory view showing an example of the storage content of the card information database (DB) 112. As shown in FIG. FIG. 3B is an explanatory view showing an example of the storage content of the user identification information database (DB) 113. As shown in FIG. FIG. 3C is an explanatory view showing an example of the storage content of the changed user identification information database (DB) 114. As shown in FIG. FIG. 3D is an explanatory view showing an example of the storage content of the travel information database (DB) 115. As shown in FIG. FIG. 4 is an explanatory view showing a functional configuration of the card company server 111. As shown in FIG. FIG. 5A is an explanatory view showing an example of a payment information reception screen displayed on the first country terminal 121. As shown in FIG. FIG. 5B is an explanatory view showing an example of the user identification information change screen displayed on the second country terminal 131. As shown in FIG. FIG. 6A is an explanatory view showing an example of a presentation information input screen displayed on the second country terminal 131. As shown in FIG. FIG. 6B is an explanatory view showing an example of a payment available screen displayed on the second country terminal 131. As shown in FIG. FIG. 6C is an explanatory view showing an example of a withdrawal error screen displayed on the second country terminal 131. As shown in FIG. FIG. 7 is a flowchart illustrating an example of a payment information reception process performed by the first country terminal 121. FIG. 8 is a flowchart showing an example of the registration processing procedure performed by the card company server 111. FIG. 9 is a flowchart illustrating an example of the withdrawal procedure processing procedure performed by the second country terminal 131. FIG. 10 is a flowchart illustrating an example of the payment determination processing procedure performed by the card company server 111.

  Hereinafter, with reference to the drawings, embodiments of a dispensing control device, a dispensing control method, and a dispensing control program according to the present invention will be described in detail.

(System configuration of withdrawal control system)
First, a system configuration example of the payment control system 100 according to the embodiment will be described. FIG. 1 is an explanatory view showing an example of a system configuration of the payment control system 100 according to the embodiment. In FIG. 1, the payment control system 100 includes a card company server 111, a first country terminal 121, and a second country terminal 131.

  The card company server 111 is, for example, a server provided in a card company 110 of a credit card, and is an example of a payment control device. The card company server 111 is a general-purpose computer device such as a personal computer that manages card information of a credit card that the user 120 has. The card company server 111 has a CPU (Central Processing Unit), a memory, an interface, and the like.

  Further, the card company server 111 has a card information database (DB) 112, a user identification information database (DB) 113, a change user identification information database (DB) 114, and a travel information database (DB) 115. . The storage contents of the various DBs 112 to 115 will be described later with reference to FIGS. 3A to 3D.

  The first country terminal 121 is, for example, a computer device provided in a predetermined store in the first country before traveling. The first country is, for example, the home country (nationality country) of the user 120, and in the present embodiment, it is Japan. The predetermined store is, for example, a store of a travel agent, a store of a card company server 111 or a store of another financial institution. As the first country terminal 121, for example, various PCs such as a desktop PC (Personal Computer), a notebook PC, and a tablet PC can be used.

  However, the first country terminal 121 is not limited to the computer device provided in a predetermined store, and may be a smartphone, a variety of PCs, a mobile phone, a PHS (Personal Handyphone System) possessed by the user 120, ATM It is also possible to use (Automated Teller Machine). The first country terminal 121 has a CPU, a memory, an interface, and the like.

  The second country terminal 131 is, for example, a computer device provided in a predetermined store in the second country of the travel destination. The second country is, for example, a country excluding its own country. The predetermined store is, for example, a store of a travel agent or a store of a financial institution. For the second country terminal 131, for example, various PCs such as a desktop PC, a notebook PC, and a tablet PC can be used.

  However, the second country terminal 131 is not limited to the computer device provided in a predetermined store, and may be a smartphone, various PCs, a mobile phone, a PHS, etc. that the user 120 has, or an ATM. It is possible. The second country terminal 131 has a CPU, a memory, an interface, and the like.

  In the payment control system 100, the card company server 111, the first country terminal 121, and the second country terminal 131 are connected via the wired or wireless network 140. The network 140 is, for example, the Internet, a mobile communication network, or the like. However, the network 140 may be a local area network (LAN), a wide area network (WAN), or the like.

  In the card company server 111, a payment control program according to the present invention is installed. The card company server 111 performs processing according to various requests from the first country terminal 121 and the second country terminal 131, and outputs various processing results to the first country terminal 121 and the second country terminal 131.

  Here, the payment control method according to the present embodiment will be described. The parenthesized numbers shown below correspond to the numbers shown in parentheses in FIG. As shown to (1) of FIG. 1, the 1st country terminal 121 receives the input of the payment information registered with the card company server 111 based on the report and input from the user 120. As shown in FIG. The payment information includes user identification information and information on where to obtain cash. The user identification information includes information of the passport 122 and authentication information associated with the information of the passport 122.

  The information of the passport 122 is information unique to the passport 122, for example, a passport number of the passport 122. The authentication information is registration information in each authentication such as biometric authentication and password authentication. The information on the cash source is, for example, cash borrower information and withdrawal information. The first country terminal 121 transmits the accepted payment information to the card company server 111.

  (2) Upon receiving the withdrawal information transmitted from the first country terminal 121, the card company server 111 registers the received withdrawal information for each user 120 in the user identification information DB 113 or the like.

  It is assumed that the user 120 travels to the second country by travel etc. after registration of withdrawal information is completed in his country. The user 120 stores the passport 122 in the backpack 132, for example. The passport 122 is used for examination of entering and leaving countries, and is very important to the user 120. Therefore, the passport 122 is strictly managed by the passport 122, for example, stored in the bottom portion of the backpack 132, and is padlocked.

  Here, it is assumed that the user 120 needs cash in the second country. However, in the second country, for example, it is assumed that the user 120 suffers from credit card theft damage and does not possess a credit card. Further, it is assumed that the user 120 has no bank account available at the destination.

  (3) Therefore, in the present embodiment, the second country terminal 131 receives the presentation information including the information of the passport 122 and the authentication information based on the report or the input from the user 120. The second country terminal 131 transmits the received presentation information to the card company server 111.

  (4) When the card company server 111 receives the presentation information from the second country terminal 131, the card company server 111 receives the information and authentication information of the passport 122 included in the received presentation information, and the information of the passport 122 included in the registered user identification information. And authentication information is used.

  (5) If the authentication is successful, the card company server 111 permits withdrawal of the amount of money desired by the user 120 from a previously registered cash acquisition source. The currency to be withdrawn will be the currency of the destination. If the authentication fails, the card company server 111 does not permit the withdrawal of the amount of money desired by the user 120.

  As described above, the card company server 111 performs authentication using the information of the passport 122 registered in advance and the authentication information, and if the authentication is successful, the payment of the desired amount is made from the source of the cash registered beforehand. I decided to allow it. Therefore, according to the card company server 111, even if the user 120 does not possess a credit card, a desired amount of money can be dispensed by the information of the passport 122 and the authentication information.

(An example of the hardware configuration of the card company server 111)
Next, an example of a specific configuration of the card company server 111 will be described. FIG. 2A is a block diagram showing an example of the hardware configuration of the card company server 111. As shown in FIG. In FIG. 2A, a computer device that implements the card company server 111 includes a CPU 211, a memory 212, and a communication IF (Interface) 213. The units 211 to 213 of the computer device are connected by a bus 210. The CPU 211 is responsible for overall control of the computer device.

  The memory 212 stores programs such as a boot program and data of various databases. Further, the memory 212 stores various programs and data according to the payment control method of the present embodiment, such as a payment control program and part of data of various databases.

  Further, the memory 212 is used as a work area of the CPU 211. The memory 212 can be realized by, for example, a read-only memory (ROM), a random access memory (RAM), a hard disc drive (HDD), a hard disc (HD), or the like.

  The communication IF 213 is connected to the network 140, and controls an interface between the inside of the computer device and an external device such as the first country terminal 121 and the second country terminal 131. Specifically, the communication IF 213 controls input / output of data between the inside of the computer device and the external device.

(Example of hardware configuration of first country terminal 121 and second country terminal 131)
Next, an example of the hardware configuration of the first country terminal 121 and the second country terminal 131 will be described. FIG. 2B is a block diagram showing an example of the hardware configuration of the first country terminal 121 and the second country terminal 131. As shown in FIG. In addition, since the 1st country terminal 121 and the 2nd country terminal 131 are both the same structures, suppose that it demonstrates the 1st country terminal 121 in the following, and abbreviate | omits the description about the 2nd country terminal 131 To be.

  In FIG. 2B, the first country terminal 121 includes a CPU 221, a memory 222, an output device 223, an input device 224, and a communication IF 225. Moreover, each part 221-225 with which the 1st country terminal 121 is provided is connected by bus 220, respectively.

  The CPU 221 is in charge of overall control of the first country terminal 121. The CPU 221 is in charge of overall control of the first country terminal 121 using various programs and data stored in the memory 222. The memory 222 can be realized by a hard disk or a flash memory.

  The output device 223 includes, for example, a display, a speaker, an audio output terminal, and the like. The display displays an operation content, guidance information for the user, and the like. The display displays various operation screens related to the dispensing control service. The display can be realized mainly by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display.

  In addition, the speaker outputs voice, alarm sound and the like. The audio output terminal is a terminal for connecting a headphone or the like, and like a speaker, outputs sound, alarm sound or the like to the connected headphone or the like.

  The input device 224 includes keys for inputting characters, numerical values, various instructions, etc., and performs data input. The input device 224 can be realized by, for example, a touch panel or a keyboard. An input device 224 realized by a touch panel or a keyboard outputs a signal corresponding to an input operation to the input device 224 to the CPU 221.

  When the input device 224 is realized by a touch panel, the touch panel is stacked on the display surface side of the display. The touch panel outputs an electrical signal according to the contact position of the writing member on the touch panel when detecting that the writing member such as a finger or a pen contacts the touch panel. The touch panel can use various known methods such as a resistance film method, a capacitance method, an acoustic pulse recognition method, an ultrasonic surface acoustic wave method, an infrared light shielding method, an image recognition method, and the like.

  The input device 224 also includes a camera. The camera captures still images and moving images. Specifically, for example, the camera is controlled by the CPU 221 to capture an imaging target, generate image data, capture and input a two-dimensional code such as a barcode or QR code (registered trademark), or OCR (Optical Character Reader) A character captured using the function can be converted into data and input.

  The input device 224 also includes a microphone. The microphone analog-to-digital converts the voice of the speaker input as analog data to generate voice data in digital format. By using the microphone, the user can input characters and the like through the first country terminal 121 instead of using the touch panel and the keyboard.

  The communication IF 225 controls the interface between the inside of the first country terminal 121 and an external device such as the card company server 111 and the second country terminal 131. The communication IF 225 may be connected to a telephone network and used for voice communication.

(Memory contents of various DBs 112 to 115)
Next, with reference to FIGS. 3A to 3D, storage contents of various databases (DBs) 112 to 115 of the card company server 111 shown in FIG. 1 will be described. The various DBs 112 to 115 are realized by, for example, a storage unit such as a memory.

  FIG. 3A is an explanatory view showing an example of the storage content of the card information database (DB) 112. As shown in FIG. In FIG. 3A, the card information DB 112 has fields of user ID (Identification), name, address, card number, card limit, caching limit, expiration date, and validity / invalidity. By setting information in each field, records of card information (for example, card information 300-1 to 300-3) are stored.

  The user ID indicates identification information attached to each user 120. The name indicates the name of the credit card holder, and specifically indicates the name of the user 120. The address indicates the address of the card holder. The card number is a credit card identification number. The credit card limit indicates the amount of money that can be purchased by the user 120 monthly using a credit card.

  The cash limit indicates the amount of money that the user 120 can borrow from the card company. The expiration date indicates the expiration date of the credit card. The validity / invalidity indicates whether the credit card can be used or not, and is invalidated when there is a notification such as loss or when the expiration date has passed.

  For example, the card information 300-1 includes a user ID "U001", a name "Souken Sotaro", an address "Tokyo ...", a card number "1234 ...", a card limit "500,000 yen", and a caching limit "100". "10,000 yen", expiration date "September 2021," valid / invalid "valid" is shown. Further, the card information 300-2 and 300-3 other than the card information 300-1 are similarly stored in the card information DB 112.

  The card information DB 112 may have fields such as the telephone number of the user 120, an e-mail address, and a usage history, and information corresponding to each field may be set.

  FIG. 3B is an explanatory view showing an example of the storage content of the user identification information database (DB) 113. As shown in FIG. In FIG. 3B, the user identification information DB 113 has fields of user ID, passport information, authentication information, and valid / invalid. By setting information in each field, records of user identification information (for example, user identification information 310-1 to 310-3) are stored.

  The user ID indicates identification information attached to each user 120, and is the same as the user ID stored in the card information DB 112 (see FIG. 3A). Therefore, the user identification information 310 corresponds to the card information 300 of the card information DB 112. The passport information indicates, for example, an identification number attached to each passport. Authentication information is information such as biometric authentication and password authentication. Also, valid / invalid indicates whether or not the corresponding passport information is valid.

  For example, the user identification information 310-1 indicates the user ID "U001", the passport information "XS0123456", the authentication information "data xxx", and the valid / invalid "valid". Further, the user identification information 310-2 and 310-3 other than the user identification information 310-1 are similarly stored in the user identification information DB 113.

  FIG. 3C is an explanatory view showing an example of the storage content of the changed user identification information database (DB) 114. As shown in FIG. In FIG. 3C, the changed user identification information DB 114 has fields of a user ID, travel information, and authentication information. By setting information in each field, a record of changed user identification information (for example, changed user identification information 320-1 to 320-3) is stored.

  The user ID indicates identification information attached to each user 120, and is identical to the user ID stored in the card information DB 112 (see FIG. 3A) or the user identification information DB 113 (FIG. 3B). Therefore, the changed user identification information 320 corresponds to the card information 300 of the card information DB 112 and the user identification information 310 of the user identification information DB 113.

  A travel document is a certificate issued by a designated organization at a destination and as a substitute for a passport. The travel information indicates an identification number attached to each travel document, and is a number associated with the passport information. When information on a travel statement is registered in the changed user identification information DB 114, the "valid / invalid" field of the corresponding user identification information 310 (passport information) of the user identification information DB 113 (see FIG. 3B) is It is set to invalid.

  For example, the changed user identification information 320-1 indicates a user ID "U001", information on a travel document "TD2345678", and authentication information "data デ ー タ". When the changed user identification information 320-1 is registered in the changed user identification information DB 114, the "valid / invalid" field of the user identification information 310-1 of the user identification information DB 113 (see FIG. 3B) is It is set to invalid. The changed user identification information 320-2 and 320-3 other than the changed user identification information 320-1 in which the passport information is rewritten to the travel document information is similarly stored in the changed user identification information DB 114. .

  FIG. 3D is an explanatory view showing an example of the storage content of the travel information database (DB) 115. As shown in FIG. In FIG. 3D, the travel information DB 115 has fields of user ID, travel destination, stay period, maximum amount of money, presence or absence of entry, presence or absence of departure, and availability of withdrawal. By setting information in each field, records of travel information (for example, travel information 330-1 to 330-3) are stored.

  The user ID indicates identification information attached to each user 120, and is stored in the card information DB 112 (see FIG. 3A), the user identification information DB 113 (FIG. 3B), and the change user identification information DB 114 (FIG. 3C) It is identical to the user ID. Therefore, the travel information 330 corresponds to the card information 300 of the card information DB 112, the user identification information 310 of the user identification information DB 113, and the changed user identification information 320 of the changed user identification information DB 114.

  The destination indicates the destination to which the user 120 travels. The term of stay indicates the length of stay at the destination. The upper limit indicates the maximum amount of money that can be withdrawn at the destination. The presence or absence of entry indicates whether or not you have entered the destination. The presence or absence of departure indicates whether or not departure from the destination. Whether or not the payment is made indicates whether or not the payment is possible.

  For example, the travel information 330-1 has a user ID "U001", a travel destination "Korea", a stay period "August 10-11, 2017", an upper limit period "¥ 100,000", entry presence "with", departure presence "Available" indicates whether or not the payment can be made. The presence or absence of entry and presence or absence of departure indicate that the person entered Korea and left the country (indication that they did not stay), so the decision on withdrawal is not possible.

  Further, for example, the travel information 330-2 includes the user ID "U001", the travel destination "Dubai", the stay period "August 11-14, 2017", the upper limit period "300,000", and the presence or absence of entry "with". Indicates whether or not there is no departure, and whether or not withdrawal is possible. The presence or absence of entry and presence or absence of departure indicate that the user has not entered Dubai and has not departed (indication that he / she is staying).

  For example, the travel information 330-3 has a user ID "U001", a travel destination "Jordan", a stay period "August 14-16, 2017", an upper limit period "¥ 100,000", entry status "none", departure status "None", indicating whether or not the payment is "not allowed". The presence or absence of entry and the presence or absence of departure indicate that the person has not entered Jordan (that is, he has not stayed), so the decision on withdrawal is not possible.

(Functional configuration of card company server 111)
FIG. 4 is an explanatory view showing a functional configuration of the card company server 111. As shown in FIG. In FIG. 4, the card company server 111 includes a registration unit 401, a first acquisition unit 402, a permission unit 403, and a second acquisition unit 404. Each of the units 401 to 404 realizes its function by causing the CPU 211 to execute a program stored in the memory 212 (see FIG. 2A) of the card company server 111, for example.

  The registration unit 401 registers payment information for each user 120 in advance. The withdrawal information includes user identification information and information on where to obtain cash. The user identification information includes passport information and authentication information associated with the passport information. The passport information is information unique to each passport, for example, a passport number. However, it is preferable that the passport information includes not only the passport number but also information (for example, face image information) stored in an IC (Integrated Circuit) chip incorporated in the passport from the viewpoint of security. .

  Authentication information is information such as biometric authentication and password authentication. Biometric authentication includes face authentication, fingerprint authentication, blood vessel authentication, retina authentication, palm authentication and the like. Password authentication is authentication by performing matching determination of a predetermined character string. Further, information on a cash acquisition source is, for example, information on a cash borrower and information on a withdrawal destination, and more specifically, information on a credit card company 110 or a financial institution such as a bank.

  The registration unit 401 registers payment information acquired via a predetermined terminal device. The predetermined terminal device is a PC provided in a predetermined store in the first country before traveling, and is, for example, the first country terminal 121.

  The first acquisition unit 402 acquires presentation information presented by the user 120. The presentation information includes passport information and authentication information. The first acquisition unit 402 acquires presentation information via a predetermined terminal device. The predetermined terminal device is a PC provided in a predetermined store in the second country of the travel destination, and is, for example, the second country terminal 131.

  The permission unit 403 performs authentication using the presentation information acquired by the first acquisition unit 402 and the user identification information registered in the registration unit 401. Specifically, permission section 403 matches the passport information included in the presentation information and the corresponding authentication information with the passport information and the corresponding authentication information registered in advance in registration section 401. It authenticates whether or not to

  The permission unit 403 permits the payment of the amount of money desired by the user 120 from the cash acquisition source registered in the registration unit 401 according to the authentication result. When the authentication unit 403 succeeds in the authentication, it permits the withdrawal of a desired amount, for example, within the range of credit card cashing or within the amount of money deposited in the bank account of the user 120. The bank is a bank that the user 120 can use at the destination. The currency to be dispensed is the currency of the country in which the presented information is presented.

  When allowing payment by the permission unit 403, the store staff may need to confirm whether the passport is genuine by visual inspection or the like at a predetermined store where the second country terminal 131 is provided. Specifically, the card company server 111 may receive confirmation from the store staff, and the permission unit 403 may permit withdrawal if the confirmation is received, even if the authentication is successful.

  Further, in the present embodiment, the information on the cash acquisition source includes information on the acquisition source corresponding to the predetermined card. The predetermined card is, for example, a credit card of a card company 110 or a bank cash card. The information on the acquisition source corresponding to the predetermined card is, for example, information on caching from the card company 110 corresponding to the credit card, and information on deposits in the bank account corresponding to the cash card.

  The first acquisition unit 402 acquires card information of a predetermined card that the user 120 has. The card information is a credit card card number or a cash card card number. The permission unit 403 permits the withdrawal of a desired amount according to the above-described authentication result or according to the card information acquired by the first acquisition unit 402.

  Thus, the user 120 can obtain cash using a predetermined card, or can obtain cash using passport information and authentication information.

  Further, in the present embodiment, permission unit 403 does not permit the payment according to the authentication result when it is possible to use a predetermined card. On the other hand, the permission unit 403 permits the payment according to the authentication result when the predetermined card can not be used.

  The state in which the predetermined card can be used is, for example, a state in which credit card caching is available or a state in which cash can be withdrawn by a cash card, and is, for example, normal. Specifically, the state where the predetermined card can be used is a state in which "valid" is set in the card information DB 112 (FIG. 3A).

  On the other hand, the case where the predetermined card can not be used means the case where the predetermined card is stolen or damaged, for example, an abnormal time or an emergency. Specifically, when the predetermined card can not be used, "Invalid" is set in the card information DB 112 (FIG. 3A). For example, when the card company server 111 receives a notification from the user 120 that the predetermined card has been lost, the card company server 111 makes it impossible to use the predetermined card (disabled), and withdraws money according to the authentication result. It is impossible.

  The second acquisition unit 404 acquires information on a travel statement that is issued by a predetermined organization of the travel destination and that is to be used instead of a passport. The designated institutions are, for example, an embassy, a consulate, an immigration office and the like. A travel document is issued when, for example, the passport is lost, and is a certificate as a substitute for the passport. The travel information is information associated with the lost passport information. The information on the travel document is information specific to each travel document, and is, for example, a travel document number. The second acquisition unit 404 acquires presentation information via a predetermined terminal device (for example, the second country terminal 131).

  The registration unit 401 rewrites the passport information corresponding to the travel statement information acquired by the second acquisition unit 404 among the passport information registered in advance to travel information and registers the user identification information. When the registration unit 401 registers the travel information, the passport information is invalidated. Specifically, the user identification information 310 of the user identification information DB 113 (see FIG. 3B) is set to “invalid”. .

  The first acquisition unit 402 acquires presentation information including information on a travel statement presented by the user 120 and authentication information. The permission unit 403 performs authentication using the travel information and authentication information included in the presentation information, and the travel information and authentication information included in the user identification information. Specifically, permission section 403 is for the information on the travel document and the corresponding authentication information, in which the information on the travel document included in the presentation information and the corresponding authentication information are registered in registration section 401. It authenticates whether it matches or not.

  Here, although it is possible for the permission unit 403 to permit withdrawal according to the authentication result also in the first country (home country: Japan), the authentication result in the second country (travel destination: foreign country) It is possible to permit withdrawal according to the This will be specifically described.

  The registration unit 401 registers information indicating a destination designated by the user 120. The information indicating the destination is, for example, information indicating the city or country of the destination. The registration unit 401 enables, for example, registration of withdrawal information in a country (first country) before traveling to a destination (second country). Here, it is possible for the first country to be a country that is not its own. Specifically, for example, when a Japanese person travels from Korea to Dubai, the registration unit 401 enables registration of withdrawal information in Dubai in Korea.

  The first acquisition unit 402 acquires information indicating the location of the user 120. The information indicating the location of the user 120 is a place where the presentation information is presented by the user 120. Also, the place where the presentation information is presented is, for example, the place (country) where the second country terminal 131 is provided. Further, the information indicating the location of the user 120 may be, for example, information indicating that the user has entered a destination.

  The information indicating that the user has entered the travel destination may be acquired from the terminal device of the immigration office, for example, when entry is permitted in the entry examination. In addition, when it is set as the smart phone which the user 120 has the 2nd country terminal 131, the information which shows the location of the user 120 is good also as positional information on a smart phone.

  When the location of the user 120 corresponds to the registered destination, the permission unit 403 permits the withdrawal according to the authentication result at the location of the user 120. In other words, when the location of the user 120 does not correspond to the registered destination (for example, in the case of a non-registered destination), the permission unit 403 outputs a message corresponding to the authentication result at the location of the user 120. Do not allow money.

  Further, in the present embodiment, the registration unit 401 registers information indicating the amount of money for the upper limit for each travel destination. The maximum amount of money for each destination is the amount of money that can be withdrawn for each destination.

  The first acquisition unit 402 acquires information indicating the withdrawal amount. When the desired withdrawal amount is within the upper limit amount of money for each travel destination, the permission unit 403 permits the withdrawal according to the authentication result. For example, when the desired withdrawal amount exceeds the range of the upper limit of each travel destination, the permission unit 403 does not permit the withdrawal.

  Further, in the present embodiment, the registration unit 401 registers information indicating the stay period of the travel destination. Also, the registration unit 401 acquires information indicating the date and time when the presentation information was presented. The date when the presentation information is presented is, specifically, the date when the user 120 is at the location.

  The permission unit 403 permits the payment according to the authentication result when the date and time when the presentation information is presented corresponds to the stay period. In other words, permission unit 403 responds to the authentication result at the travel destination when the date when the presentation information is presented does not correspond to the registered stay period (for example, before the start of the stay period or after the stay period has elapsed). Will not allow withdrawals.

  In addition, for example, when the location of the user 120 is the home country (first country), the permission unit 403 may always allow the withdrawal according to the authentication result in the home country. In addition, even if the location of the user 120 is in the home country, the permission unit 403 withdraws according to the authentication result in the home country if it falls under the stay period of the registered travel destination (second country). May not be permitted. In addition, when the first acquiring unit 402 acquires the information indicating that the user has entered the destination (the second country), the permitting unit 403 may not permit the payment according to the authentication result in the home country.

  Moreover, in the present embodiment, the first acquisition unit 402 acquires departure information indicating that the user 120 has departed from the destination. The departure information is acquired by the second country terminal 131 based on the declaration of the user 120. However, the departure information may be acquired by the terminal device of the immigration office, for example, when the departure is recognized in the immigration examination.

  Further, for example, when it is possible to obtain information indicating that departure from the country has been recognized by the reading function or the like by the smartphone included in the user 120, the departure information may be obtained by the smartphone. Further, the departure information may be acquired by the smartphone based on the location information of the smartphone owned by the user 120.

  When the departure information is acquired by the first acquisition unit 402, the permission unit 403 does not permit the payment according to the authentication result at the travel destination. Specifically, the permission unit 403 may not allow the payment regardless of the information registered in the registration unit 401, or the registration unit 401 may be selected according to the departure information acquired by the first acquisition unit 402. The payment may not be permitted by changing the information indicating the period of stay of the travel destination registered in.

(An example of a display screen of the first country terminal 121 and the second country terminal 131)
Next, an example of display screens of the first country terminal 121 and the second country terminal 131 will be described with reference to FIGS. 5A to 6C. FIG. 5A is an explanatory view showing an example of a payment information reception screen displayed on the first country terminal 121. As shown in FIG. The payment information reception screen 500 of FIG. 5A shows a passport field 501, an authentication selection field 502, a travel destination field 503, and a registration button 504.

  In the passport field 501, passport information is input. The authentication selection field 502 receives selection of one or more authentication methods from among the plurality of displayed authentication methods. When the authentication method is selected, although not shown, registration of information on a face image used for authentication, a password, and the like is performed.

  In the travel destination column 503, the name of the destination country, the period of stay, and the maximum amount of money are input for each travel destination. The registration button 504 is a confirmation button indicating that the contents of the fields 501 to 503 of the payment information reception screen 500 are to be registered. When the registration button 504 is selected, the contents of the fields 501 to 503 are transmitted to the card company server 111, and the contents of the fields 501 to 503 are registered as payment information in the card company server 111.

  FIG. 5B is an explanatory view showing an example of the user identification information change screen displayed on the second country terminal 131. As shown in FIG. The user identification information change screen 510 of FIG. 5B shows a passport field 511, a travel document field 512, an authentication selection field 513, and a change button 514.

  In the passport field 511, passport information is input. In the travel advice column 512, information on the travel advice is input. The authentication selection field 513 accepts selection of one or more authentication methods from among a plurality of authentication methods, and accepts input of authentication information for performing authentication by the selected authentication method. The change button 514 is a confirmation button indicating that the information in the travel statement field 512 is to be changed to the travel information in place of the passport information in the passport field 511 of the user identification information change screen 510.

  When the change button 514 is selected and the authentication is successful, the contents of each of the fields 511 to 513 are transmitted to the card company server 111. Receiving this transmission, the card company server 111 registers the information of the travel statement in association with the authentication information, instead of the information of the passport.

  FIG. 6A is an explanatory view showing an example of a presentation information input screen displayed on the second country terminal 131. As shown in FIG. The presentation information input screen 600 of FIG. 6A shows a passport field 601, an authentication selection field 602, an amount field 603, and a withdrawal button 604.

  In the passport field 601, passport information is input. When information on a travel document is registered in association with authentication information instead of passport information, a passport column 601 or a travel document column (not shown) is provided to receive input of travel information. You should do it.

  The authentication selection field 602 accepts selection of one or more authentication methods from among the displayed plurality of authentication methods, and accepts input of authentication information for performing authentication by the selected authentication method. The amount column 603 receives an input of the withdrawal amount desired by the user 120. The withdrawal button 604 is a button for confirmation indicating that a request for withdrawal is made with the contents of the respective columns 601 to 603 of the presentation information input screen 600.

  When the withdrawal button 604 is selected, the contents of the fields 601 to 603 are transmitted to the card company server 111. In addition, at the time of this transmission, as information indicating the location of the user 120, information of the country in which the second country terminal 131 is installed (information indicating "Dubai" in the figure), and information of the date when the presentation information was presented. Information on the transmission time as is also transmitted.

  Receiving this transmission, the card company server 111 performs authentication using the passport information and the authentication information, and determines whether or not the payment of the amount input in the amount column 603 is possible. If it is determined as a result of this determination that dispensing is possible, the screen changes to a dispensing available screen 610 shown in FIG. 6B, and if dispensing is not possible, the screen transitions to a dispensing error screen 620 shown in FIG. 6C.

  FIG. 6B is an explanatory view showing an example of a payment available screen displayed on the second country terminal 131. As shown in FIG. The dispensing available screen 610 of FIG. 6B shows a notification that the dispensing is permitted. Specifically, the dispensing available screen 610 indicates that dispensing of the amount desired by the user 120 has been permitted. As a result, the user 120 can obtain a desired amount of cash by cashing or the like from a predetermined acquisition source such as the card company 110 or the like.

  The user 120 can obtain cash from the window of a predetermined store where the second country terminal 131 is provided. However, when the second country terminal 131 is an ATM, cash can be obtained from the cash payment exit of the ATM.

  FIG. 6C is an explanatory view showing an example of a withdrawal error screen displayed on the second country terminal 131. As shown in FIG. The withdrawal error screen 620 in FIG. 6C shows a withdrawal nonpermission notification 621 and a code explanation field 622. The payment nonpermission notification 621 indicates a notification that payment is not permitted. Further, the payment not possible notification 621 indicates an error code that is the reason why payment is not permitted.

  The code explanation column 622 shows the explanation of the error code. For example, the error code “E1” indicates an authentication error, for example, indicating that authentication using passport information and authentication information has failed. The error code "E2" indicates an error of the stay destination, and indicates, for example, that the travel destination is not registered or that the travel periods do not match.

  Further, the error code “E3” indicates an error of the upper limit amount, and for example, indicates that the amount desired by the user 120 exceeds the registered upper limit amount. With such notification, the user 120 can obtain cash by re-inputting the portion of the corresponding error.

(An example of payment information reception processing procedure which the first country terminal 121 performs)
Next, an example of the processing procedure performed by the first country terminal 121 will be described using FIG. 7. FIG. 7 is a flowchart illustrating an example of a payment information reception process performed by the first country terminal 121.

  In FIG. 7, the first country terminal 121 determines whether or not start of registration of payment information has been received (step S <b> 701). The first country terminal 121 waits until accepting the start of registration of payment information (step S701: No). When the first country terminal 121 receives the start of registration of payment information (step S701: Yes), it receives passport information (step S702).

  The first country terminal 121 receives, for example, passport information from the passport field 501 of FIG. 5A. Then, the first country terminal 121 receives an authentication method and authentication information to be performed at the time of withdrawal (step S703). For example, the first country terminal 121 receives an authentication method and authentication information from the authentication selection field 502 of FIG. 5A.

  Next, the first country terminal 121 receives travel destination information such as the name of the travel destination country and the period of stay (step S704). Then, the first country terminal 121 receives an amount of money that can be withdrawn for each travel destination (step S705). The first country terminal 121 receives, for example, travel destination information and an upper limit amount of money from the travel destination column 503 in FIG. 5A.

  Then, the first country terminal 121 determines whether the acceptance has been completed (step S706). Whether or not the reception is completed corresponds to, for example, whether or not the registration button 504 in FIG. 5A is selected. If the first country terminal 121 does not complete the reception (step S706: No), the first country terminal 121 returns to step S702 to receive various information. If the first country terminal 121 has completed the reception (step S706: Yes), the first country terminal 121 transmits the received information to the card company server 111 (step S707), and ends the series of processing according to this flowchart.

  By the process described above, the first country terminal 121 can receive payment information from the user 120 for withdrawal at the destination (the second country) in the first country before the user 120 travels. At the same time, the accepted payment information can be registered in the card company server 111.

(An example of a registration processing procedure performed by the card company server 111)
Next, an example of a processing procedure performed by the card company server 111 will be described with reference to FIG. FIG. 8 is a flowchart showing an example of the registration processing procedure performed by the card company server 111. In FIG. 8, the card company server 111 determines whether information on registration has been received from the first country terminal 121 or the second country terminal 131 (step S801). The information on registration includes various information for registration before traveling, information to receive a change to a travel document after traveling, and departure information indicating that the country has departed from the country.

  The card company server 111 stands by until information on registration is received (step S801: No). When the card company server 111 receives the information on the registration (step S801: Yes), it judges whether the information on the received registration is the withdrawal information before travel (the various information received in FIG. 7) (step S802).

  The card company server 111 receives the user identification information DB 113 (refer to FIG. 3B) or the travel information DB 115 (refer to FIG. 3D) when the received information on the registration is the withdrawal information before traveling (step S802: Yes). The registered withdrawal information is registered (step S803). When the received information on the registration is not the withdrawal information before the travel (step S802: No), the card company server 111 is the change information for changing the information on the received registration to the information on the passport. It is determined whether or not (step S804).

  If the card company server 111 is the change information for changing the received information on registration to the information on the travel statement (step S804: Yes), as shown in the change user identification information DB 114 (see FIG. 3C), passport information Instead of the above, the information of the travel document is registered (step S805).

  If the information on the received registration is not the change information to be changed to the information on the travel document (step S804: No), that is, if the information on the received registration is departure information indicating that the country has departed, The withdrawal in the withdrawal availability field of the travel information DB 115 (see FIG. 3D) is set to “impossible” (step S806), and the series of processing according to this flowchart is ended.

  By the process described above, the card company server 111 can register and change various information in the various DBs 113 to 115 (see FIGS. 3B to 3D).

(Example of withdrawal procedure acceptance procedure performed by the second country terminal 131)
Next, an example of the processing procedure performed by the second country terminal 131 will be described using FIG. 9. FIG. 9 is a flowchart illustrating an example of the withdrawal procedure processing procedure performed by the second country terminal 131. In FIG. 9, the second country terminal 131 determines whether the start of the dispensing procedure has been received (step S901). The second country terminal 131 waits until the start of the dispensing procedure is received (step S901: No). When the second country terminal 131 receives the start of the dispensing procedure (Step S901: Yes), it receives passport information (Step S902).

  For example, the second country terminal 131 receives passport information from the passport field 601 of FIG. 6A. Then, the second country terminal 131 receives the authentication method and the authentication information (step S903). The second country terminal 131 receives, for example, passport information from the authentication selection field 602 of FIG. 6A.

  Next, the second country terminal 131 acquires location information (information on the country in which the second country terminal 131 is provided) (step S904). Then, the second country terminal 131 receives a desired withdrawal amount (step S905). For example, the second country terminal 131 receives the withdrawal amount from the amount column 603 of FIG. 6A.

  Then, the second country terminal 131 determines whether the acceptance has been completed (step S906). Whether or not the reception is completed corresponds to, for example, whether or not the withdrawal button 604 of FIG. 6A is selected. The second country terminal 131 returns to step S902 to receive various types of information when the reception is not completed (step S906: No). If the second country terminal 131 has received the information (step S906: Yes), the second country terminal 131 transmits the information on the received withdrawal procedure to the card company server 111 (step S907), and ends the series of processes according to this flowchart.

  By the process described above, the second country terminal 131 can receive the information on the withdrawal procedure at the travel destination (the second country), and can transmit the information on the accepted withdrawal procedure to the card company server 111. .

(An example of the payment determination processing procedure performed by the card company server 111)
FIG. 10 is a flowchart illustrating an example of the payment determination processing procedure performed by the card company server 111. In FIG. 10, the card company server 111 determines whether the information (the information received in FIG. 9) related to the withdrawal procedure has been received from the second country terminal 131 (step S1001).

  The card company server 111 stands by until receiving information on withdrawal (step S1001: No). When the card company server 111 receives the information on the withdrawal (Step S1001: Yes), it refers to the passport information and the authentication information registered in the user identification information DB 113 (see FIG. 3B) (Step S1002).

  Then, the card company server 111 determines whether or not the authentication is successful, using the information on the passport and the authentication information included in the information on the withdrawal (step S1003). When the card company server 111 fails in the authentication (step S1003: No), the card company server 111 transmits an error message (step S1004), and ends the series of processes according to this flowchart.

  If the card company server 111 succeeds in the authentication (step S1003: YES), the card company server 111 refers to the travel information DB 115 (see FIG. 3D) and specifies the travel destination at the current date and time (step S1005).

  The card company server 111 determines whether or not the specified destination and the location of the user 120 coincide with each other, using the location information included in the information on the withdrawal (step S1006). Then, when the destination of the card and the location of the user 120 do not match (step S1006: No), the card company server 111 proceeds to step S1004.

  When the travel destination and the location of the user 120 match (step S1006: Yes), the card company server 111 refers to the travel information DB 115 (see FIG. 3D) and specifies the upper limit of the travel destination (step S1007). Then, the card company server 111 determines whether the desired withdrawal amount is within the upper limit amount, using the information indicating the withdrawal amount included in the information on withdrawal (step S1008).

  When the desired withdrawal amount is within the range of the upper limit (step S1008: Yes), the card company server 111 permits the withdrawal (step S1009), and ends the series of processing according to this flowchart. If the desired withdrawal amount is not within the range of the upper limit amount of money (step S1008: No), the card company server 111 proceeds to step S1004.

  By the process described above, the card company server 111 can permit the withdrawal within the upper limit registered in advance in the first country at the travel destination (second country).

  As described above, the card company server 111 according to the present embodiment performs authentication using previously registered passport information and authentication information, and when authentication is successful, it is desired from a previously registered cash acquisition source Decided to allow withdrawal of the amount of money. As a result, according to the card company server 111, a desired amount of money can be withdrawn from the passport information and the authentication information. Therefore, even if the user 120 does not have a predetermined card or passbook, the user 120 can obtain cash quickly and easily by one person 120 without relying on an acquaintance or the like.

  In particular, the user 120 stores the wallet (for storing various cards), for example, in an easy-to-retract place such as a pocket of clothes. On the other hand, since the user 120 pays close attention to the passport, the user 120 is less likely to suffer theft compared to the wallet. Therefore, in the present embodiment, even if the wallet is damaged by the user, the user 120 can obtain cash quickly and easily using the information of the passport which is less likely to be damaged.

  In addition to allowing payment according to the authentication result, the card company server 111 according to the present embodiment permits payment according to the card information of a predetermined card possessed by the user 120. And Therefore, according to the card company server 111, it is possible to withdraw a desired amount also by presenting a predetermined card.

  Thus, the user 120 can obtain cash using a predetermined card, or can obtain cash using passport information and authentication information. In addition, since it is not necessary for the user 120 to take out and present the passport one by one when obtaining cash, it is possible to suppress the opportunity for a third party to know the storage location of the passport and to suppress the theft of the passport. it can.

  Further, the card company server 111 according to the present embodiment does not permit the payment according to the authentication result when the predetermined card can be used, and the predetermined card can not be used. If it is, it is decided to permit withdrawal according to the authentication result. As a result, according to the card company server 111, it is possible to dispense a desired amount of money from the passport information and the authentication information only in the case of an emergency where a predetermined card can not be used, such as theft, loss, or damage. Thereby, the user 120 can obtain cash quickly and easily in an emergency where the user can not use a predetermined card.

  Further, the card company server 111 according to the present embodiment can register user identification information in which the information of the passport is replaced with the information of the travel document. Therefore, according to the card company server 111, a desired amount of money can be paid out based on the information on the travel document and the authentication information, which can not obtain passport information when, for example, the passport is lost at the travel destination. Thereby, the user 120 can obtain cash quickly and easily, for example, even if the passport is lost due to the theft damage or the like at a bad security destination where the theft damage or the like is likely to occur.

  In addition, the card company server 111 according to the present embodiment decides to permit the payment according to the authentication result in the travel destination when the location of the user 120 corresponds to the travel destination registered in advance. Therefore, according to the card company server 111, a desired amount of money can be paid out at the destination registered in advance, based on the information on the passport and the authentication information. As a result, the user 120 can obtain cash quickly and easily even if he / she does not have a predetermined card or passbook at the destination.

  On the other hand, when the location of the user 120 does not correspond to the destination registered in advance, the card company server 111 does not permit the withdrawal according to the authentication result. Therefore, according to the card company server 111, it is possible not to allow the withdrawal except for the destination registered in advance. As a result, even if the passport (the information of the passport) and the authentication information are stolen at a place excluding the travel destination registered in advance, it is possible to suppress the unauthorized withdrawal by the third party.

  In addition, the card company server 111 according to the present embodiment decides to permit withdrawal according to the authentication result within the upper limit of the amount of money registered for each travel destination registered in advance. As a result, the user 120 registers, for each travel destination, the upper limit amount according to the security of the travel destination, and the upper limit amount according to the price of the travel destination, and for the security of the travel destination and the price of the travel destination. You can get cash according to your needs. In addition, even if the passport information and authentication information are stolen at the destination registered in advance, the damage amount at the destination can be minimized (to the upper limit amount at the damage location).

  Further, the card company server 111 according to the present embodiment dispenses the payment according to the authentication result when the date (the date when the user 120 is at the location) where the presentation information is presented corresponds to the stay period registered in advance. Decided to allow. For this reason, according to the card company server 111, a desired amount of money can be dispensed from the passport information and the authentication information during the stay period of the travel destination registered in advance. As a result, the user 120 can obtain cash quickly and easily at the destination even if the user 120 does not possess a predetermined card, passbook or the like during the stay period of the destination registered in advance.

  On the other hand, it is decided that the card company server 111 does not permit withdrawal according to the authentication result when the date when the presentation information is presented does not correspond to the stay period registered in advance. Therefore, according to the card company server 111, even if the travel destination is registered in advance, payment can not be permitted in a period other than the stay period of the registered travel destination. As a result, even if the passport information and the authentication information are stolen at the destination registered in advance, it is possible to suppress an unauthorized withdrawal by a third party at the destination.

  In addition, when the card company server 111 according to the present embodiment acquires departure information indicating that the user 120 has departed from the travel destination, the card company server 111 does not permit the withdrawal according to the authentication result in the travel destination. Therefore, according to the card company server 111, even if it is the stay period of the travel destination registered in advance, it is possible not to allow the withdrawal after the user 120 leaves the country. In this way, even if a passport (passport information) or authentication information is stolen at the travel destination during the period excluding the stay period of the travel destination registered in advance, unauthorized travel by a third party is suppressed at the travel destination. be able to.

  Further, in the present embodiment, the case in which a Japanese travels to a foreign country has been described as an example, but the invention is not limited to this, and the present invention can be similarly applied to the case where a foreigner comes to Japan. Specifically, for example, before a foreigner enters Japan, payment information such as passport information, authentication information, and information on where to obtain cash may be registered in advance in the card company server 111.

  Then, when the foreigner needs cash in Japan, he or she performs authentication using information on the passport and authentication information registered in advance, and if the authentication is successful, it is desired from the source of the cash registered in advance. It is acceptable to withdraw the amount of money. Thereby, even when the foreigner comes to Japan, the foreigner does not have a predetermined card or passbook, etc., and does not rely on acquaintances, etc., and the foreigner is alone, and in Japan quickly and easily. You can get cash on hand.

  Moreover, although the case where the payment control apparatus of this invention was applied to the card company server 111 of the card company 110 was demonstrated, it does not restrict to this. For example, a bank server can also realize the payment control device of the present invention. In addition, if it is possible to share various information between different industries using a credit card API (Application Programming Interface), another server other than the card company 110 (for example, a server of an insurance company) may be used. It is also possible to realize the payment control device of the present invention.

  The payment control method described in the present embodiment can be realized by executing a prepared program on a computer such as a personal computer or a workstation.

  The payment control program is a computer such as a hard disk, a flexible disk, a CD (Compact Disc) -ROM (Read Only Memory), a MO (Magneto-Optical disk), a DVD (Digital Versatile Disk), and a USB (Universal Serial Bus) memory. The program is stored in a readable storage medium and executed by being read from the storage medium by a computer. Further, the payment control program may be distributed via a network such as the Internet.

  As described above, the dispensing control device, the dispensing control method, and the dispensing control program according to the present invention are useful for the dispensing control device, the dispensing control method, and the dispensing control program for controlling dispensing. In particular, it is suitable for a dispensing control device, a dispensing control method, and a dispensing control program that can dispense without the user having a predetermined card, passbook, or the like.

100 withdrawal control system 110 card company 111 card company server 112 card information DB
113 User Identification Information DB
114 Changed User Identification Information DB
115 Travel Information DB
120 User 121 First Country Terminal 122 Passport 131 Second Country Terminal 140 Network 211, 221 CPU
212, 222 Memory 213, 225 Communication IF
223 output device 224 input device 210, 220 bus 401 registration unit 402 first acquisition unit 403 permission unit 404 second acquisition unit

Claims (10)

Registration means for registering user identification information including information on a passport and authentication information associated with the information on the passport for each user in advance and information on a cash acquisition destination;
A first acquisition unit for acquiring presentation information including passport information and authentication information presented by a user;
Depending on the authentication result using the presentation information acquired by the first acquisition means and the user identification information registered in the registration means, the amount of money desired by the user from the cash acquisition source Permission means for permitting withdrawal,
A dispensing controller characterized by comprising. The information on the source of the cash includes information on the source corresponding to a predetermined card,
The first acquisition means acquires card information of the predetermined card possessed by the user,
The permission means permits the withdrawal according to the authentication result or according to the card information acquired by the first acquisition means.
The dispensing control device according to claim 1, characterized in that: The permission means is
When the card can be used, the withdrawal according to the authentication result is not permitted.
Allow the withdrawal according to the authentication result when the card can not be used.
The dispensing control apparatus according to claim 2, wherein The system further comprises a second acquisition unit for acquiring information on a travel document issued by a given destination organization and to replace the passport;
The registration means rewrites the information of the passport corresponding to the information of the travel statement acquired by the second acquisition means among the information of the passport registered in advance to the information of the travel statement, and the user identification information Register,
The first acquisition means acquires presentation information including information on a travel statement presented by a user and the authentication information.
The dispensing control apparatus according to any one of claims 1 to 3, characterized in that: The registration means registers information indicating a destination designated by the user,
The first acquisition means acquires information indicating the location of the user,
When the location corresponds to the destination, the permission means permits the withdrawal at the location according to the authentication result.
The dispensing control apparatus according to any one of claims 1 to 4, characterized in that: The registration means registers information indicating an upper limit of each travel destination,
The first acquisition means acquires information indicating a desired withdrawal amount,
The said permission means permits the said payment according to the said authentication result, when the said desired withdrawal is in the range of the amount of money of the said upper limit for every said travel destination. Payment control device. The registration means registers information indicating a stay period of the travel destination,
The first acquisition means acquires information indicating the date and time when the presentation information is presented,
The permission means permits the withdrawal according to the authentication result when the date and time correspond to the stay period.
The dispensing control device according to claim 5 or 6, characterized in that The first acquisition means acquires departure information indicating that the user has departed from the destination.
When the departure information is acquired by the first acquisition unit, the permission unit does not permit the payment according to the authentication result at the travel destination.
The dispensing control apparatus according to any one of claims 5 to 7, characterized in that: In advance, for each user, user identification information including information on a passport and authentication information associated with the information on the passport and information on a cash acquisition destination are registered,
Obtain presentation information from the user, including passport information and authentication information,
According to the authentication result using the acquired presentation information and the registered user identification information, the user of the cash is permitted to withdraw the amount desired by the user from the cash acquisition source.
A payment control method characterized in that a computer executes a process. In advance, for each user, user identification information including information on a passport and authentication information associated with the information on the passport and information on a cash acquisition destination are registered,
Obtain presentation information from the user, including passport information and authentication information,
According to the authentication result using the acquired presentation information and the registered user identification information, the user of the cash is permitted to withdraw the amount desired by the user from the cash acquisition source.
A payment control program that causes a computer to execute a process.

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