JP2020154341A - Automatic teller machine for remittance and system thereof - Google Patents

Abstract

To enable any mobile communication terminal to transfer money without providing a communication unit for communicating with the mobile communication terminal in an automatic teller machine.SOLUTION: A money transfer system is configured by an automatic teller machine for transferring money, a medium including ID information associated with an account of a user such as an IC card, an account management server for managing the account information, a terminal for payment using the medium such as an IC card, and a communication line connecting them with each other.SELECTED DRAWING: Figure 1

Description

Remittance cash automata and their systems.

Until now, bank transfer has been widely and commonly used for remittances using automated teller machines such as ATMs. However, in order to make the transfer to the account, the remittance destination account and its related information are required.

Therefore, a method of specifying a mobile communication terminal as in Patent Document 1 and performing remittance is also considered. The patent document 1 describes a remittance automation device communicably connected to a mobile communication terminal having monetary value information, which is a cash counting means for counting the inserted cash and the mobile communication terminal which is a remittance destination. Using the remittance information input means for inputting the mobile phone number or e-mail address to specify the above and the entered mobile phone number or e-mail address, the counted amount counted by the cash counting means is used as the monetary value information. A remittance automation device including a communication unit that transmits to the mobile communication terminal so as to be added is disclosed.

Japanese Unexamined Patent Publication No. 2010-3033

However, the automated remittance device disclosed in Patent Document 1 has a problem that it is costly, for example, a communication unit for communicating with a mobile communication terminal is required. Further, the mobile communication terminal also needs a function for communicating with the automated device for remittance and performing remittance, and there is a problem that it can be used only by the mobile communication terminal having the function.

Therefore, the present invention solves such a problem and provides a cash automatic machine for remittance, which can transfer money to any mobile communication terminal without providing a communication unit for communicating with the mobile communication terminal in the cash automatic machine. The purpose is to realize the system.

In order to solve the above problems, the remittance system of the present invention includes a cash automatic machine for remittance, a medium having ID information associated with a user's account such as an IC card, and an account management server that manages the account information. A remittance system consisting of a payment terminal using a medium such as an IC card and a communication line connecting these, and the cash automatic machine counts the cash put into the cash deposit / withdrawal section. It is characterized by including a cash counting means and a remittance information input means for inputting remittance destination specifying information for specifying the remittance destination account.

According to the present invention, remittance can be made to a specified individual by specifying the account of the remittance destination.

Therefore, remittance can be performed without relying on the remittance destination account and the account transfer that requires the related information.

Further, it is possible to transfer money to any mobile communication terminal without providing a communication unit for communicating with the mobile communication terminal in the cash automatic machine.

It is a block diagram of the remittance system which is one Embodiment of this invention. It is an external view of a cash automatic machine. ・ ・ ・ This is the transaction selection screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. It is a transaction screen. This is a series of processing operations in this embodiment. This is a series of processing operations in this embodiment.

FIG. 1 is a block diagram of a remittance system according to an embodiment of the present invention.

The remittance system 100 is a cash automatic machine for the user to insert cash and transfer the amount of money input, a card 30 having an ID associated with the account information, a server 20 for managing the user's account information, and payment. A database 21 is connected to a server that includes a user terminal 50 and a communication line (communication network) 40 that connects these devices and manages user account information.
The payment terminal 50 of FIG. 1 is a terminal for exchanging information between the account management server 20 and the card 30 via the communication network 40, such as a cash automatic machine, a cash register of a retail store such as a supermarket or a convenience store, and the like. There is an electronic sales slip information processing EDC (Electronic Draft Capturing) installed in. In addition, communication with the card 30 is performed by short-range wireless communication.

The communication line 40 may go through any line such as the Internet, a public line, and a dedicated line. Further, it may be directly connected to a LAN (Local Area Network) or the like, or may be connected to a wireless LAN or the like. In FIG. 1, the connection between the cash automatic machine and the payment terminal 50 is represented by wired communication, but the present invention is not limited to this form, and either wired communication or wireless communication may be used, respectively.
<Card function>
The card 30 is a general electronic card having an IC tag and supporting short-range wireless communication, and specific examples thereof include a Felica card, a MIFARE card, and an NFC function provided in a mobile phone.
In the present embodiment, since the card 30 does not have monetary value information, it is not necessary to have a writable memory area.

Payment by card 30 is performed as follows. The ID of the card 30 is read by the payment terminal 50, and the payment information is sent to the server 20. When the monetary value information is updated on the server 20, the payment terminal notifies the user that the payment is completed. For example, in the case of an automatic cash machine, after the above settlement is successful, the settlement amount in the transaction is withdrawn to the user. In the case of EDC, after the above settlement is successful, the cashier clerk hands the settlement amount of the transaction to the user.
<Cash automatic machine function>
Remittance by cash automatic machine is performed as follows. The user inputs the ID of the remittance destination user into the input section of the cash automatic machine, and deposits the bill. The cash automatic machine transmits the remittance destination ID and the deposited banknote information to the server 20. The server 20 updates the monetary value information for the account associated with the target ID, and notifies the cash automatic machine that the update is completed.

At this time, if the user ID and the mobile phone number are linked, the payment notification is sent to the remittance destination user by e-mail.

The user who sends money can enter the password at the time of deposit. When this password is entered, the remittance destination user must enter the receiving password at the cash automatic machine or the remittance destination user's account will not be added. If the money is not received for a certain period of time, the monetary value information for the remittance amount is added (refunded) to the account of the user who sent the money.

The cash automaton application has a utility bill payment function. You can settle the payment by entering the ID written on the payment. If change occurs at this time, the amount of change will be remitted to the user's account.

The cash automaton may have the same account as the user. When a user who wants to withdraw money sends money to a cash automatic machine operated by himself and the cash automatic machine confirms receipt of the remittance, the existing remittance system is diverted by withdrawing cash equivalent to the remittance amount. In addition to being able to build and reducing the number of steps required to modify the system for the withdrawal function, it is possible to easily manage cash for each device on the system by setting an account for each device.

FIG. 2 is an external view of the cash automatic machine.
This cash machine is a general automated teller machine (ATM) mode, and is a control unit 14 composed of a general CPU for controlling the entire terminal and a storage unit that stores an application program 181. 18. Input unit 11 and display unit 12 consisting of a general touch panel display for input / output to the terminal, card processing unit 16 consisting of a card reader, cash deposit / withdrawal unit 15 consisting of a cash deposit / withdrawal machine, communication line It is composed of a communication unit 17 and the like that communicate via 40.
The cash automatic machine main body 101 (FIG. 2) is made in a size that is easy for the user to operate, and the cash deposit / withdrawal unit 15 is provided with a cash deposit / withdrawal port 151 and a shutter 152, respectively.
The control unit 14 is composed of a ROM (Read Only Memory), a RAM (Random Access Memory), and a CPU (Central Processing Unit), and a remittance destination mobile phone number input from the touch panel of the input unit 11 by executing a program. (Or e-mail address), remittance information reading function (remittance information input means) 141 that reads remittance amount, set password, etc., and a server that manages the account information of the other party's phone number read by driving the communication unit 17. Communication path establishment function 142 that establishes the communication path, cash deposit / withdrawal function that counts the cash inserted through the cash deposit / withdrawal unit 15, refunds if necessary, and pays out cash to the user who received the remittance ( Cash counting means) 143, After the communication path is established, the monetary information addition function 144 that adds electronic money corresponding to the remittance amount to the destination account is realized.
The card processed by the card processing unit is provided with at least a storage unit for storing ID information (ID information) associated with account information, and an input / output unit for exchanging information with the card processing unit of a cash automatic machine for transactions. It is equipped with an IC chip that can output at least ID information to a cash automatic machine at the time of execution.

In addition to the above, the IC chip may include a central control device, a storage device, an auxiliary storage device, and the like. The application program is stored in the storage device or auxiliary storage device in advance, or the application program is received by the input / output unit via a cash automatic machine or the like, and the processing result of the application program according to the transaction is displayed. By storing the monetary value information associated with the account information in a storage device or the like, offline transactions become possible.

The application program of the IC chip may be sent from the management server 20 and stored in advance, or may be transferred from the cash automatic machine prior to the transaction.

The management server 20 includes a control unit 22, a communication unit 23, an application transmission unit 24, and a storage unit 25, and is connected to an external storage device 21. The control unit 22 is composed of a ROM, a RAM, and a CPU, and realizes an account registration management function 221 that accepts member registrations of remittance users and manages accounts by executing a program. The application transmission unit 24 is a cash automatic machine. The direction transmission function 241 and the payment terminal direction transmission function 242 are realized.
The storage unit 25 of the server stores each program of the cash automatic machine application program 251 and the payment terminal application program 252. The application program may be distributed to the cash automatic machine and the payment terminal 30 in advance, or when the communication path between the cash automatic machine or the payment terminal 30 and the server is established by a transaction or the like. You may want to transfer the application from the server.
The management server 20 may further provide the control unit 22 with a remittance history record management function that records and manages the remittance history of the registered members. The user member list and the remittance history management list are stored and stored in the external storage device 21. This makes it possible to deal with remittance mistakes and troubles during remittance.

As a remittance method using a cash automatic machine, the user of the cash automatic machine can enter the mobile phone number of the other party, insert cash, connect to the server via the network, and charge the other party's account with electronic money. By doing so, remittance transactions can be performed without having a bank account. A series of processing operations in this embodiment for this purpose will be sequentially described with reference to FIGS. 6 and 8.

Here, the case where the member registration of the remittance user is performed and the remittance amount is within the chargeable limit amount is taken as an example.
The application program 181 is stored in the storage unit 18 of the cash automatic machine. If necessary, the remittance management server 20 transmits the application program to the cash automatic machine, and the program of the cash automatic machine is updated.

The remittance user (remittance source user) inputs the remittance source ID information into the cash automatic machine by having the cash automatic machine read his / her own card into the card processing unit, inputting his / her mobile phone number, etc. , Start trading. The cash automatic machine sends the remittance source ID information to the management server 20 and requests member authentication (transaction start authentication).

The management server 20 collates and determines whether or not the remittance source user has been registered as a registered member in the user member list, and transmits the result to the cash automatic machine.

If it is not a member, the server performs necessary post-processing and then terminates the transaction processing, and the cash automatic machine displays the result such as account unregistered to the remittance source user and terminates the transaction.

In the case of a member, the server sends the available authentication to the cash automatic machine, which receives the authentication result and displays the transaction selection screen (Fig. 4).

The remittance source user presses the "remittance" button for remittance of electronic money to start the remittance transaction and inputs the remittance destination ID information such as a telephone number. (Fig. 6-1)
The cash automatic machine sends the input remittance destination ID information to the management server 20 and requests member authentication (transaction start authentication).

The management server 20 collates and determines whether or not the remittance destination user has been registered as a registered member in the user member list, and transmits the result to the cash automatic machine.

If it is not a member, the server performs necessary post-processing and then terminates the transaction processing, and the cash automatic machine displays the result such as account unregistered to the remittance source user and terminates the transaction.

In the case of a member, the server sends remittance destination confirmation information such as available authentication and remittance destination user name to the cash automatic machine, and the cash automatic machine receives it and is included in the remittance destination confirmation information of the remittance destination user. Information such as a partially hidden display of the name and account name is displayed on the remittance destination confirmation screen (Fig. 6-2).

The remittance source user confirms whether or not he / she wants to send money on the remittance destination confirmation screen.

If the remittance source user confirms that it is not the intended remittance destination, the remittance source user presses the "Back" button, the cash automatic machine redisplays the remittance destination confirmation screen (Fig. 6-2), and the remittance source user again. Enter the remittance destination.

If it can be confirmed that the remittance source user is the intended remittance destination, the remittance source user presses the "confirm" button, the cash automatic machine displays the payment waiting screen (Fig. 6-3), opens the shutter, and remittance. Encourage former users to insert cash into cash deposits and withdrawals.

When the remittance source user presses the "Cancel" button, the cash automatic machine detects it, closes the shutter, performs necessary post-processing, and then displays the result of transaction cancellation etc. to the remittance source user. At the same time as terminating the transaction, a transaction cancellation notice is sent to the management server, and when the management server receives the transaction cancellation notice, it performs necessary post-processing and then terminates the transaction processing.

When the sender user inserts cash into the cash deposit / withdrawal port, the cash automatic machine detects it and displays a "confirm" button on the screen. When the remittance source user presses the "confirm" button, the cash automatic machine closes the shutter, automatically counts the cash, and displays the counting result on the payment confirmation screen (Fig. 6-4).

When the remittance source user presses the "confirm" button, the cash automatic machine sends remittance information such as the ID information of the remittance destination user and the deposit amount based on the counting result to the management server.

When the remittance source user presses the "PW setting" button, the cash automatic machine displays the PW input screen [Fig. 6-5], prompts the remittance source user to enter the PW, and the remittance source user inputs the PW twice. After that, click the "Confirm" button.

If the PW set by the remittance source user is different, the cash automatic machine notifies that fact, displays the PW input screen again, and prompts the remittance source user to re-enter.

If the PW set by the remittance source user is the same, the cash automatic machine sends the remittance information including the PW information in addition to the remittance destination user's ID information and the deposit amount to the management server.

When the management server receives the remittance information, if there is no PW setting, the electronic money information of the account of the remittance destination user of the DB is added by the amount of the remittance information, and the history is added to the remittance history management list after the DB update is completed. , Send remittance completion notification to cash automatic machine.

If there is a PW setting, the management server does not add it to the electronic money information of the account of the remittance destination user in the DB at this point, and the transaction ID, transaction time, remittance source user ID, remittance destination user ID, amount of money are added to the remittance history management list. , Waiting for receipt status, PW, etc. At this time, only the remittance history with the remittance waiting information may be managed separately as the remittance waiting list. Searchability is improved. After the update of the DB reception waiting information is completed, the management server sends a remittance completion notification to the cash automatic machine.

At this time, the PW setting information such as the set PW, amount, transaction number, and validity period is sent to the remittance source user by SMS to the telephone number linked to the ID information of the remittance source user or by e-mail to the e-mail address. You may notify. The remittance source user can contact the remittance destination user by SMS, telephone, etc. with the PW setting information, and even if the confirmation of the remittance destination input is incorrect, the mistake can be noticed.

When the cash automatic machine receives the remittance completion notification, it displays the remittance completion screen [Fig. 6-6] and notifies the remittance source user that the transaction was successful. When the remittance source user presses the "confirm" button, the transaction ends.

The remittance destination user receives a contact from the remittance source user and receives the remittance at the payment terminal. If there is no PW setting, the remittance amount has already been added to the account of the remittance destination user, so it is assumed that the remittance has been received and the explanation here is omitted. The following describes transactions in which the waiting information is waiting to be received when the PW setting is set. The case where the payment terminal here is a cash automatic machine is described as in the case of the remittance source user.

The receiving user (remittance destination user) inputs the remittance destination ID information into the cash automatic machine by having the cash automatic machine read his / her own card into the card processing unit, inputting his / her mobile phone number, etc. , Start trading. The cash automatic machine sends the remittance destination ID information to the management server 20 and requests member authentication (transaction start authentication).

The management server 20 determines whether or not the remittance destination user has been registered as a registered member by collating with the user member list, and after confirming that the user is a member, the server automatically authenticates the availability by cash. It is sent to the machine, and the cash automatic machine receives this authentication result and displays the transaction selection screen [Fig. 4].

The remittance destination user presses the "receive" button for receiving the remittance to start the remittance transaction, and inputs the set PW, amount, transaction number, and other receipt information.

The cash automatic machine sends the input receipt information to the management server 20 and requests receipt authentication.

The management server 20 determines whether or not the receipt information has been registered by collating with the receipt waiting information (remittance waiting list) of the remittance history management list, and transmits the result to the cash automatic machine.

If it is not on the list, the server will perform the necessary post-processing, then end the transaction processing and send the result such as unregistered receipt information, and the cash automatic machine will remit the result display such as unregistered receipt information. Perform to the destination user and end the transaction.

If it is on the list, add the electronic money information of the account of the remittance destination user of the DB by the amount of the received information, add the history of updating the received waiting information of the remittance history management list as received, and add the history of the transaction from the remittance waiting list. After the completion of DB update such as deleting the information of, the receipt completion notification is sent to the cash automatic machine.

At this time, send PW setting information such as the set amount, transaction number, and remittance destination user's phone number to the remittance source user by SMS or e-mail to the phone number linked to the remittance source user's ID information. You may notify by etc. It can be confirmed that the remittance source user has been able to remit to the remittance destination user.

When the cash automatic machine receives the receipt completion notification, it displays the receipt completion screen and notifies the remittance destination user that the transaction has been successful. When the remittance destination user presses the "confirm" button, the transaction ends.

If you notice that you made a mistake in entering the remittance destination and process the cancellation, or if the remittance source user does not receive it within the valid period, the remittance amount of the transaction will be the remittance destination user's account. Is added to.

Due to the above operation, when remittance of monetary information such as electronic money, it was necessary to open a bank account on both the sending side and the receiving side to know the bank account information of the other party. You can send money without knowing your bank account information.

In addition, even users who do not have a bank account in developing countries, etc. need only have ID information linked to personal information such as mobile phones, and financial services such as remittances for users who do not have a bank account. Can be provided.

As described above, according to the present embodiment, in the transfer by the cash automatic machine described in the patent document, the memory of the IC chip information in the mobile phone of the transfer destination is updated in real time to perform the transfer process. In this case, it was necessary to use an expensive mobile phone, a secure IC chip, or the like that can handle the transfer process. In addition, if the transfer operator mistakenly registers the other party at the time of transfer and the confirmation is insufficient, the transfer will be made to an unintended other party, but in this embodiment, the mobile phone number is used as the minimum information. It is only necessary to have contact information such as, and ID information, and it is possible to configure with a simple IC chip that stores only old-fashioned mobile phones that can be purchased even in developing countries and ID numbers, and has no memory for reading and writing.
As a form of use, in developing countries, etc., it is conceivable that parents remit the income earned from migrant workers in the city to a family living far away, and the family receives the remittance as living expenses.
<Modification example>
The present invention is not limited to the above-described embodiment, and various modifications such as the following are possible.

This embodiment was an example within the remittance range, but if it is outside the remittance range, when the remittance source user confirms the deposit amount, the management server confirms the remittance amount of the remittance destination account and remittance. The amount outside the chargeable range of the destination account may be charged to the account of the remittance source user, or the remittance source user may be prompted to set PW to remit with a time lag. Convenience is improved.

In this embodiment, the receipt is added to the account of the remittance destination user, but the remittance amount may be withdrawn from the cash automatic machine and received in cash. Convenience is improved.

In this embodiment, the remittance function is used, but the cash automatic machine application may have a utility charge settlement function. By inputting an ID such as a meter number written on the payment form as information corresponding to the ID information of the remittance destination user, the payment can be settled. If change occurs at this time, the amount of change will be remitted to the user's account.

In this embodiment, remittance is performed from the remittance source user to the remittance destination user, but the cash automatic machine has the same account as the user, performs the same remittance procedure for that account, and makes deposits and withdrawals. You may. When a user who wants to make a deposit (charge) inserts cash into a cash automatic machine operated by himself / herself and confirms the result of identifying the inserted cash, the remittance equivalent to the deposit amount is transferred to the user's account. By doing so, you can make a deposit using the remittance mechanism used in this implementation. In addition, when the user who wants to withdraw money sends money to the account of the cash automatic machine operated by himself and the cash automatic machine confirms the receipt of the remittance, by withdrawing the cash equivalent to the remittance amount, in this implementation Withdrawals can be made using the remittance mechanism. It is possible to build a system that uses the existing remittance system, reduce the man-hours required to modify the system for deposit and withdrawal functions, and by setting an account for each device, it is possible to easily manage cash for each device on the system.

100 Remittance system 20 Server that manages user account information 21 Database 30 Card with ID 40 Communication line (communication network)
50 Payment terminal

Claims (1)

Cash automata for remittance and
A medium with ID information associated with the user's account,
An account management server that manages the account information and
A payment terminal using the medium and
A remittance system consisting of communication lines connecting these
The cash automatic machine is characterized by including a cash counting means for counting the cash put into the cash deposit / withdrawal unit and a remittance information input means for inputting remittance destination specifying information for specifying the remittance destination account. Remittance system.

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