JP3364884B2 - Cash receiving system and cash receiving method - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technique for withdrawing cash from a bank deposit account at a convenience store or the like.

[0002]

Generally, financial transactions with a bank, such as withdrawal of cash, are carried out at a bank store, particularly at an unmanned store where an automatic teller machine (ATM) is installed. However, on holidays in the evening, and even on weekdays, at night, ATMs cannot be used, which often causes inconvenience.

Therefore, the present inventor has proposed to make it possible to withdraw cash from a customer's own bank account at a convenience store or the like in order to improve convenience for the customer. That is, it is considered that an existing ATM is installed in a convenience store and a user operates the ATM to withdraw cash. However, ATM is 1
It is extremely expensive, with the price per tens of millions. For this reason, even if each convenience store is installed one at a time, the cost is too high, and it is very difficult to spread it widely.

[0004] Therefore, the problem to be solved by the present invention is to provide a technique that enables the user to carry out a service that allows the user to receive cash at a facility other than a store of a financial institution at a low cost.

[0005]

[Means for Solving the Problems] The above-mentioned problems are caused by financial institutions.
Users with an account in
Cash receipts used to pick up at convenience stores
A system, wherein the financial institution is a host computer
And the convenience store has a financial transaction contract.
The convenience store with a device and a register
The financial transaction contract device owned by Tor is issued by the financial institution.
Read the information on the card owned by the user.
And card information reading means for the user in advance the financial
Enter the PIN for entering the PIN registered with the institution
Enter the means of payment and the amount of money the user wants to receive.
And receive the desired amount of money input means for that, the receiving desired amount of money input
Means to record the amount information entered by means, date and time of issuance
Means for recording information and store knowledge of convenience stores
Receipt issuing means having means for recording separate information
And Bei, register that the convenience store has
Is a cash storage means for storing cash and the receipt issuance.
The amount of money recorded on the receipt issued by the payment means
Receipts that read information, issuance date and time information, and store identification information
And the receipt information reading means.
The read time is the receipt by the receipt issuing means.
Whether or not a predetermined time has passed since the time of issue,
Also, the receipt read by the receipt information reading means is
Check whether the seat is issued at your own store
; And a confirmation means for confirming, based on the identification information, wherein
The host computer of the financial institution is the convenience store
The card information reading means of the financial transaction contract device of the store reads
Enter the card information and the PIN code input means.
And propriety judging means for another determine the correctness of the PIN numbers, the gold
If the deposit balance of the user's account at the
Entering desired amount of money for financial transaction contract device of Ensstore
Check the balance to see if it is greater than or equal to the amount entered in the column
Of the confirmation means, the correctness determination means and the balance confirmation means
Withdrawal information output hand that allows withdrawal of cash based on the result
And a step for providing information on withdrawal of the host computer.
The convenience store that has received the withdrawal permission information by the force means
The amount of money issued by the receipt issuing device of the financial transaction contract device in the store
Information, issue date / time information, and store identification information
Is issued, and this receipt is the convenience store
Read by receipt information reading means of the register
Check the register of the convenience store.
Within a predetermined time from the time of receipt issuance depending on the tier
And confirm that it was issued at your own store
Is recorded on the receipt from the cash storage means
Take out the cash equivalent to the amount you have and hand it over to the user
It is solved by a cash receiving system characterized in that it is configured to be able to.

[0006] In the above cash receiving system, it is illegally modified.
For the purpose of preventing the use of rough receipts,
The convenience store register is the confirmation result of the confirmation method.
Based on the result, if the specified time has passed, or at your own store
Refuse to hand cash if not issued in cash
It is preferable to have means for denying handing over.

[0007] Also, a convenience store register
Is the cash stored in the cash storage means of the register
Further comprising cash total amount storage means for storing the total amount of
The total amount of cash stored in the cash storage means is less than a predetermined value.
When it becomes lower, the function of the receipt issuing means stops
Those configured as described above are preferable. By this,
The system is working even though Gister has no cash
Trouble due to moving can be prevented.

[0008] Also, a financial transaction contract for a convenience store
The receipt issuing means of the device is an identification for identifying the user.
A user identification information recording means for recording information is further provided.
Those are preferable. This will prevent you from losing your receipt.
The risk of use is reduced and safety is improved.

[0009] Also, a financial transaction contract for a convenience store
The receipt issuing means of the device records using a bar code method.
Those are preferable. This facilitates processing.

In the above, the financial transaction contract device is
The place where it is installed is a convenience store
There are gas stations and family rests.
Orchid, supermarket, co-op, department store, first
A food store, or a store that handles medicines, electric appliances, clothes, etc.
It can also be a seed chain store.

[0011]

Further , the above-mentioned problem is that a financial institution has a host computer.
Computers and convenience stores are financial
It has a contract device and a register, and the convenience store
The financial transaction contract device owned by STORE
Issue the card and read the information on the card owned by the user
Card information reading means for
Enter the PIN for entering the PIN registered with the institution
Enter the means of payment and the amount of money the user wants to receive.
Input the amount of money you want to receive and the amount of money you want to receive
Means to record the amount information entered by means, date and time of issuance
Means for recording information and store knowledge of convenience stores
Receipt issuing means having means for recording separate information
A register included in the convenience store
Is a cash storage means for storing cash and the receipt issuance.
The amount of money recorded on the receipt issued by the payment means
Receipts that read information, issuance date and time information, and store identification information
And the receipt information reading means.
The read time is the receipt by the receipt issuing means.
Whether or not a predetermined time has passed since the time of issue,
Also, the receipt read by the receipt information reading means is
Check whether the seat is issued at your own store
And a confirmation means for confirming based on the identification information,
The host computer of the financial institution is the convenience store
The card information reading means of the financial transaction contract device of the store reads
Enter the card information and the PIN code input means.
The correct / incorrect judgment means for judging whether the personal identification number is correct,
If the deposit balance of the user's account at the
Entering desired amount of money for financial transaction contract device of Ensstore
Check the balance to see if it is greater than or equal to the amount entered in the column
Of the confirmation means, the correctness determination means and the balance confirmation means
Withdrawal information output hand that allows withdrawal of cash based on the result
A cash receiving system having a step;
Cash withdrawn from the user's own account by a user with an account at Seki
Is a method of receiving cash at the convenience store.
By the card information reading means of the financial transaction contract device.
A card information reading step of reading the card information Ri, the gold
Enter the security code using the security code input device
Enter the required PIN code and receive the financial transaction contract device.
Enter the desired amount of money to receive using the desired amount of money input method
Read in the desired amount input process and the card information reading process
Entered the card information and the PIN code input step
Whether the password is correct or not is determined by the host computer.
The right / wrong determination step by which the means determines and the balance of the user's account
If the high is more than the amount entered in the desired receipt amount input step
Confirm that there is a balance confirmation means of the host computer.
The balance confirmation step to be approved and the correctness in the correctness determination step
Is correct and there are many balances in the balance confirmation process
Only the withdrawal permission information output means of the host computer
There the dispensing friendly information output step of outputting the dispensing friendly information, the output
Upon receipt of money approval information, the receipt of the financial transaction contract device is issued.
The payment means is the amount information, the issue date and time information, and the convenience store.
Issue a receipt with the store's store identification information recorded
The receipt issuance process and the receipt issuance process
The information recorded on the receipt is recorded in the register.
Receipt information reading process read by sheet information reading means
And when read by the receipt information reading means
The time when the receipt is issued by the receipt issuing means
Has not passed the specified time since
The receipt read by the information reading means
Check the register to see if it was issued.
And a confirmation step for confirming the step, wherein the confirmation step
If the specified time has not passed,
From the cash storage means
Collect cash equivalent to the amount recorded on the receipt.
It is solved by a cash receiving method which is characterized in that the cash is sent out and handed to a user .

[0013] In the above cash receiving method,
To make it harder for a ruble to happen
Convenience stores to prevent the use of
The enstor register is based on the confirmation result of the confirmation means.
Therefore, if the specified time has elapsed, or if issued at your own store
Refuse cash handing, if not denied cash handing
The receipt information is read by the receipt information reading means.
When the receipt is issued by the receipt issuing means
If the specified time has passed since the
The receipt read by the information reading means
If it is not issued, the cash handing refusal means
Therefore, it is preferable to have a step of rejecting the cash handing.
Good

The convenience store register is
The total amount of cash stored in the cash storage means of the register
Further comprising a cash total amount storage means for storing an amount,
The total amount of cash paid in the payment means is less than a specified value.
The receipt function that stops the function of the receipt issuing means
It is preferable to include a step of stopping the generation of heat. By this
And even though the cash is gone in the register, the system
It is possible to prevent troubles due to the operating system.

Also, a financial transaction contract for a convenience store
The receipt issuing means of the device is an identification for identifying the user.
A user identification information recording process for recording information shall be provided.
Is preferred. This ensures that even if you lose your receipt, it can be misused.
The risk of being damaged is reduced and safety is improved.

[0016] In addition, a convenience store financial transaction contract
The receipt issuing means of the device should be recorded by a bar code method.
And are preferred. This facilitates processing.

In the above, the financial transaction contract device is
The place where it is installed is a convenience store
There are gas stations and family rests.
Orchid, supermarket, co-op, department store, first
A food store, or a store that handles medicines, electric appliances, clothes, etc.
It can also be a seed chain store.

[0018]

As described above, according to the present invention, when a user receives cash at a facility other than a store of a financial institution, first, information of a card issued by a transaction partner financial institution and possessed by the user is displayed. Then, the user is prompted to input the personal identification number registered in advance with a financial institution. In addition, if the user inputs the amount of money they want to receive, the read card information and PIN are correct, and the user's account balance is sufficient, that is, if the account balance is more than the desired amount to receive. Only issue a receipt with information about the amount you would like to receive. Then, the receipt is presented to a staff member (clerk) at a facility other than the store of the financial institution so that the user can receive the cash.
In other words, in the present invention, the person who receives the receipt presents the process of paying out a predetermined amount of cash. Therefore, expensive A
It is not necessary to install the TM, and this can be replaced with a device having a receipt issuing function, which has a simple structure and is inexpensive. Therefore, it is possible to implement a service that allows users to receive cash at facilities other than the stores of financial institutions at low cost. The ATM is extremely expensive because the mechanism of counting cash and paying out a predetermined amount of money has a very complicated structure which is manufactured by introducing advanced technology. On the other hand, a device that issues a receipt in which information about the desired amount of money to be received does not require any advanced technology and has a simple structure, and therefore can be introduced at a significantly lower cost than ATM. .

[0020]

BEST MODE FOR CARRYING OUT THE INVENTION A cash receiving system, which will be described below as an embodiment of the present invention, withdraws cash from a user's own account held by a user at a financial institution and collects the withdrawn cash. A system used for the user to receive at a facility other than a store of the financial institution, the card information reading means for reading information of a card issued by the financial institution and held by the user. ,
The personal identification number input means for the user to input a personal identification number registered in advance with the financial institution, the desired receipt amount input means for entering the amount of money the user desires to receive, and the card information. Whether the card information read by the reading means and the personal identification number input by the personal identification number input means are correct or not, and the user's account balance is equal to or more than the amount input by the desired reception amount input means. A balance confirmation means for confirming that there is an account number, the card information read by the card information reading means and the personal identification number input by the personal identification number input means are correct, and the user's account balance is the desired reception amount input. Withdrawal allowance information output means for outputting withdrawal allowance information only when the amount is equal to or more than the amount input by the means, and the desired receipt amount after receiving the withdrawal allowance information Receipt issuing means for issuing a receipt in which information on the amount of money input by the force means is recorded, receipt information reading means for reading the information recorded in the receipt issued by this receipt issuing means, and receipt and payment of cash by human operation. The cash storage means is provided, the facility side other than the store of the financial institution, based on the information of the receipt read by the receipt information reading means, by the user presenting the receipt, The cash is taken out from the cash storage means and handed to the user, whereby the user can receive the cash at a facility other than the store of the financial institution. In particular, in the cash receiving system of the present embodiment, the correctness determination means, the balance confirmation means, and the withdrawal allowance information output means are provided on the financial institution side, and are installed at facilities other than the store of the financial institution via the transmitting / receiving means. It is connected to a card information reading means, a personal identification number input means, a desired receipt amount input means and a receipt issuing means. Further, the receipt issuing means includes an issue date / time information recording means together with an amount information recording means for recording information about the amount of money input by the desired receipt amount input means, and the receipt records the amount of money information and the issue date / time information. It is configured to be performed. Then, when the receipt information reading means reads that a predetermined time has passed after the issuance, a cash handing refusal means for refusing the handing of cash by the receipt is provided. In addition, the cash receiving system of the present embodiment includes a total cash amount storage unit that stores the total amount of cash stored in the cash storage unit, and the total amount of cash stored in the cash storage unit is less than or equal to a predetermined value. The cash total storage means stops the function of the receipt issuing means at the time. Further, the receipt issuing means comprises a user identification information recording means for recording user identification information for identifying the user, and the receipt also records the user identification information. However, the receipt information is recorded using a barcode. On the other hand, as cash storage means,
An accounting register was used. In addition, here, facilities other than stores of financial institutions where users receive cash are convenience stores, and financial institutions are banks.

Also, in the cash receiving method, which will also be described below as an embodiment of the present invention, the user withdraws cash from the user's own account held at the financial institution, and the withdrawn cash is referred to as above. A method used for a user to receive at a facility other than a store of the financial institution, comprising: a card information reading step of reading information of a card issued by the financial institution and held by the user; Person inputs a personal identification number registered in advance with the financial institution, a desired amount of money input step of inputting the amount of money the user desires to receive, and a card read in the card information reading step The correctness determination step of determining whether the information and the personal identification number input in the personal identification number input step are correct and the account balance of the user are input in the desired receipt amount input step. Balance confirmation step for confirming that the amount is equal to or more than the specified amount, the card information read in the card information reading step and the personal identification number input in the personal identification number input step are correct, and the account balance of the user is the A withdrawal allowance information output step for outputting withdrawal allowance information only when the amount is the amount input in the desired receipt amount input step or more,
Upon receipt of the withdrawal permission information, a receipt issuing step of issuing a receipt in which information regarding the amount of money input in the desired receipt amount input step is recorded, and information recorded in the receipt issued in this receipt issuing step. A receipt information reading step for reading, wherein the user presents the receipt, the facility side other than the store of the financial institution, based on the information of the receipt read in the receipt information reading step, cash It is characterized in that the cash is taken out from the storage means and handed to the user, whereby the user receives the cash at a facility other than the store of the financial institution. In particular, in the present embodiment, when the receipt information is read in the receipt information reading step, it is possible to record information regarding the issuing date and time on the receipt issued in the receipt issuing step, and to read that a predetermined time has elapsed after the receipt. I refuse to hand cash by receipt. Further, when the total amount of cash stored in the cash storing means becomes equal to or less than a predetermined value, the receipt issuance is stopped. Further, user identification information for identifying the user is recorded on the receipt issued in the receipt issuing process. However, the receipt information is recorded using a barcode. In this embodiment, the amount of money that the user can receive is N × 10000 yen (N is a natural number).
The cash is handed to the user in a bag. A cash register is used as a cash storage means. In addition, here, facilities other than stores of financial institutions where users receive cash are convenience stores, and financial institutions are banks.

Further, the cash receiving card described below as an embodiment of the present invention is used when receiving cash using the above cash receiving system, and information about a financial institution and / or a user is stored in the card. , Is recorded using magnetic means, for example. Subsequently, the embodiment of the present invention will be described in more detail with reference to FIGS. In addition,
1 is a block diagram showing a schematic configuration of a cash receiving system according to an embodiment of the present invention, FIG. 2 is an external view of a financial transaction device which is a part of the cash receiving system, and FIGS. 3 and 4 are financial transaction devices, respectively. FIG. 5 is a reference diagram showing the display state of the monitor, FIG. 5 is a reference diagram showing an example of a receipt issued by the receipt issuing means, and FIGS. 6 to 8 are each for explaining the function (cash receiving procedure) of the cash receiving system. Is a part of the flowchart of FIG.

The cash receiving system of the present embodiment is used by a user to withdraw cash from a deposit account of the user himself / herself who is already in a bank having a transaction relationship and receive the cash at a convenience store. As shown in FIG. 1, this system includes a card information reading means 1,
PIN number input means 2, desired receipt amount input means 3, correctness determination means 4, balance confirmation means 5, withdrawal permission information output means 6,
It comprises a receipt issuing means 7, a receipt information reading means 8, a cash handing refusal means 9, and a cash storing means 10.

Among these, the card information reading means 1, the personal identification number input means 2, the desired receipt amount input means 3, the receipt issuing means 7, the receipt information reading means 8, the cash handing refusal means 9 and the cash storing means 10 are convenience stores. On the other hand, the correctness determination means 4, the balance confirmation means 5, and the withdrawal permission information output means 6 are provided in the bank. Then, the correctness determination means 4, the balance confirmation means 5, and the withdrawal allowance information output means 6 are connected to the card information reading means 1 in the convenience store via the transmitting / receiving means 11a and 11b.
The personal identification number input means 2, the desired receipt amount input means 3 and the receipt issuing means 7 are connected.

The individual components will be described in more detail below. First, regarding the card information reading means 1, the card information reading means 1 is issued by a bank in which the user has a deposit account and the user has a cash card (cash receiving card: F in FIG. 2). Indicated by
Information for reading the user's name, address, transaction branch, deposit type, account number, etc. In addition, these information about banks and users are
It is recorded on the surface of the cash card F using magnetic means. However, the present invention is not limited to such a form, and a card having an IC chip attached on its surface may be used. Furthermore, in addition to a bank cash card, a card dedicated to financial transactions at a convenience store or the like may be used.

The personal identification number input means 2 is used when the user inputs a four-digit personal identification number registered in advance in a bank having a deposit account, that is, a cash card number. As will be described later in detail, in the present embodiment, the personal identification number is displayed by displaying numbers 0 to 9 on the monitor of the financial transaction apparatus (shown by A in FIG. 1) and touching them one by one with a finger in order. You can enter.

The desired receiving amount input means 3 is for inputting the amount of money that the user desires to receive (withdraw). Similarly to the personal identification number inputting means 2, the desired receiving money inputting means 3 can also input the desired receiving money by directly touching the monitor of the financial transaction apparatus A. The card information reading means 1, the personal identification number input means 2, and the desired receipt amount input means 3 are shown in FIG.
It is installed in the financial transaction device A shown in. In particular, the card information reading means 1 is provided inside the financial transaction device A from the card insertion slot 12 arranged on the front panel of the financial transaction device A. The front panel of the financial transaction apparatus A has a receipt issuing opening 13 along with the card insertion opening 12, which will be described in detail below.

On the other hand, as described above, the monitor 14 of the financial transaction apparatus A plays the role of the personal identification number input means 2 and the desired receipt amount input means 3. More specifically, the monitor 14 can be in a display state as shown in FIG. 3 or 4. And in this embodiment,
Since the surface of the monitor 14 has a touch panel structure, the personal identification number and the amount of money desired to be received are input by sequentially touching the numbers 0 to 9 displayed on the monitor 14 one by one with a finger. In the state of FIG. 4, “Yes” and “No” are displayed on the monitor 14 together with the numbers 0-9. This is because confirmation of the user's intention is performed by selecting either "Yes" or "No" displayed on the monitor 14 (the display requesting the confirmation of the intention is the amount of money. (It is not shown in FIG. 4 because it appears after inputting).

Now, regarding the receipt issuing means 7, the receipt issuing means 7 is the receipt issuing port 1 described above.
3 is provided inside the financial transaction device A, and receives a withdrawal permission information from a bank described later, and issues a receipt in which information regarding the amount input by the desired receipt amount input means 3 is recorded. To do. The receipt issuing means 7 includes an amount information recording means 7a, an issuing date and time information recording means 7b, and a user identification information recording means 7c. Therefore, the receipt obtained by the receipt issuing means 7 includes only the information regarding the amount input by the desired reception amount input means 3 (more accurately, the information regarding the amount input by the desired reception amount input means 3 and the handling fee). Instead, information regarding the date and time of issue is recorded. This is so that the receipt information reading means 8 can read how much time has elapsed after the receipt was issued. Further, in addition to such information, user identification information for identifying the user is also recorded in the issued receipt. In the present embodiment, in consideration of safety, when the receipt information reading unit 8 reads that a predetermined time (for example, about 10 minutes) has elapsed after the issuance, due to the action of the cash handing refusal unit 9, The receipt of cash is rejected.

Here, an example of the receipt issued by the receipt issuing means 7 is shown in FIG. As you can see from the figure,
The various information (receipt information) described above is recorded using a barcode. This is in order to effectively utilize the product management system using the barcode, which is widely used at convenience stores at present. In the barcode shown on the receipt shown in FIG. 5, the section indicated by 15a is a portion in which information regarding the amount of money is recorded,
Further, a section indicated by 15b is a portion in which information regarding the issuing date and time is recorded, and a section indicated by 15c is a portion in which user identification information is recorded. Other necessary information (for example, store identification information of a convenience store) is recorded in the remaining part of the barcode.

The correctness determination means 4 and the balance confirmation means 5 which constitute the cash receiving system of the present embodiment together with the above-mentioned structural requirements.
The withdrawal permission information output means 6 is provided in the bank as described above, and via the transmission / reception means 11a and 11b,
It is connected to the financial transaction device A in the convenience store. Of these, the correctness determination unit 4 determines whether the card information read by the card information reading unit 1 and the personal identification number input by the personal identification number input unit 2 are correct. On the other hand, the balance confirmation means 5 confirms that the balance of the user's deposit account is equal to or more than the amount input by the user using the desired reception amount input means 3.
In other words, it has a function to confirm that cash can be withdrawn. Further, the withdrawal permission information output unit 6 inputs the card information read by the card information reading unit 1 and the personal identification number input by the personal identification number input unit 2 correctly, and the balance of the deposit account of the user inputs the desired amount of money to be received. It operates only when the amount of money input by the means 3 is equal to or more than that, and outputs withdrawable information. The withdrawal permission information that is output is
It is input to the receipt issuing means 7 of the financial transaction apparatus A via the transmitting / receiving means 11a and 11b. Receipt issuing means 7
Receives the withdrawal permission information and operates, and thereby issues the receipt shown in FIG. The correctness determination means 4, the balance confirmation means 5, and the withdrawal permission information output means 6 are stored in the host computer B in the bank. Further, the transmission / reception means 11a and the transmission / reception means 11b are connected to each other via an online line [CA
FIS (Credit Information System) network].

Next, the receipt information reading means 8 and the cash storing means 10 which are provided separately from the financial transaction device A in the convenience store will be described (the function of the cash handing refusal means 9 has already been described and therefore omitted. To). In the present embodiment, a cash register permanently installed in a convenience store is used as the cash storage unit 10. Further, as the receipt information reading means 8, a bar code scanner interlocked with the cash storing means 10 (one configured to read the information contained in the bar code by applying the reading surface to the bar code of the product) is used. . Then, of the information read by the receipt information reading means 8, information relating to the amount of money is displayed on the display of the cash storing means 10.

The cash storing means 10 is provided with a cash total storing means 10a. This cash total amount storage means 10a is
The total amount of cash stored in the cash storing means 10 is stored, and the financial transaction device A is stopped when the total amount becomes equal to or less than a predetermined value, that is, the minimum withdrawal amount in the cash receiving system of the present embodiment. Issue a command to Specifically, the monitor 14 of the financial transaction apparatus A displays that the cash receiving service is currently discontinued, and further the function of the receipt issuing means 7 is stopped.

In the present embodiment, the bar code described on the receipt issued from the receipt issuing means 7 is basically formed according to the same standard as the bar code attached to a normal product. Therefore, an existing bar code scanner can be used as the receipt information reading means 8. Next, a procedure until the user actually receives (withdraws) cash at the convenience store using the cash receiving system will be described (see the flowcharts of FIGS. 6 to 8).

When cash is suddenly required during a time when ATMs cannot be used (or when cash is suddenly required when the area is out of the commercial area or where there are no financial institution stores), Users go to convenience stores nearby. Therefore, the user first selects "cash receipt" from the various items displayed on the monitor 14 of the financial transaction apparatus A (step S1). Then, the monitor 14 is instructed to insert the cash card F of the bank in question into the card insertion slot 12 (step S
2).

When the user inserts the cash card F into the card insertion slot 12 as instructed, the card information reading means 1 reads various information recorded in the cash card F (step S3). After the reading of the card information is completed, the cash card F is returned to the user. Then, an instruction as shown in FIG. 3 is issued to the monitor 14 to input the four-digit personal identification number (step S4).

When the user operates the touch panel to input the personal identification number registered in advance in the transaction bank (step S5), the monitor 14 is further shown to input the desired amount of money to be received, as shown in FIG. Such an instruction is issued (step S6). When the user operates the touch panel again to input the amount of money desired to be received (step S7), the information regarding this amount of money is sent via the transmitting / receiving means 11a and 11b together with the card information and the personal identification number information previously input. ,
It is sent to the correctness determination means 4, the balance confirmation means 5, and the withdrawal permission information output means 6 on the bank side (step S8).

When such information is sent, the bank first checks whether the information is correct, that is, whether the corresponding person exists in the customer list or the account number is correct. Whether or not the personal identification number information belongs to the cash card possessed by the user is judged by the correctness determination means 4 (step S9). Here, if the information sent to the bank is incorrect, for example if the PIN is different,
You will be prompted to re-enter the correct PIN.

If it is determined that the information is correct, and if it is determined that the information is correct, the balance confirmation means 5 inputs the balance of the deposit account owned by the user using the desired money receiving means 3 for receiving. It is confirmed that the amount is equal to or more than the amount (step S10). Then, only when the balance of the user's deposit account is equal to or more than the amount desired to be received, the withdrawal allowance information output means 6 outputs the withdrawal allowance information (step S11). On the other hand, when the balance of the user's deposit account is less than the amount desired to be received, the monitor 14 of the financial transaction apparatus A displays that cash withdrawal is impossible and the transaction is canceled ( Or a re-input instruction will be issued).

When the withdrawal permission information is output from the withdrawal permission information output means 6, this withdrawal permission information is immediately sent to the financial transaction device A of the convenience store via the online line (step S12). ). When the withdrawal permission information is input to the financial transaction device A, the receipt issuing means 7 issues a receipt in which information regarding the amount of money the user desires to receive is recorded in a barcode format (step S1).
3). At this time, not only the information regarding the amount of money but also the information regarding the date and time of issue and the user identification information are recorded on the receipt in the same manner as the information regarding the amount of money by a barcode.

The user who receives the receipt in which various information is recorded, takes it to the register, that is, the counter where the cash storing means 10 is placed,
It is presented to the clerk (step S14). Upon receipt of the receipt, the store clerk reads the information recorded on the receipt by the receipt information reading unit 8 that works in conjunction with the cash storage unit 10 (step S15). Then, it is confirmed whether or not a predetermined time, for example, 10 minutes or more has passed after the receipt is issued (step S16). Also,
At the same time, it is confirmed whether or not the receipt is issued at its own store (step S17).

Here, if it is confirmed that the presented receipt is issued at the shop and is within 10 minutes after the issuance, it is judged that cash can be handed (step S18), The amount of money to be handed over is displayed on the display of the cash storing means 10 (step S19). On the other hand, if the receipt has been issued for more than 10 minutes or has been issued at another store, an instruction is given to the display of the cash storing means 10 to refuse the cash handing.

Now, if the receipt presented by the user is valid, the clerk of the convenience store takes out the amount of cash displayed on the display of the cash storing means 10 from the cash storing means 10, and further, takes it out. It is packed in a bag and given to the user (step S20). As a result, the user can obtain the desired amount of cash at the convenience store. In addition, although the cash handed to the user is taken out from the register which is the cash storing means here, the cash may be bagged and prepared for each amount. That is, if the amount of money handed over to the user is, for example, 30,000 yen, an envelope containing 30,000 yen may be selected and handed to the user by the salesclerk of the convenience store.

After the user receives the cash in this way, the convenience store receives cash from the bank according to the amount of money withdrawn by the user. This completes the series of transactions. In this embodiment, in order to simplify the handling of cash, the amount of money that the user can receive is set to an integral multiple of 10,000 yen, such as 10,000 yen, 20,000 yen, and 30,000 yen. That is, the amount of money that the user can receive is set to N × 10000 yen (N is a natural number). However, if necessary, the amount of money desired to be received in units of 1,000 yen may be designated (additional coins may be included if necessary).

Further, in this embodiment, the cash is handed to the user in a packed state, but the bag (envelope) used for this may be a very general one. I won't touch it. In addition, the information from the financial transaction device A may not be directly sent to the bank, but a data processing company may be interposed therebetween. In this case, the data processing company collectively collects information from convenience stores existing in a certain area, distributes the information to each bank, and transmits the information. That is, the data processing company performs processing so that the information input by a certain user is transmitted to the bank selected by the user. The same applies to the case where information is sent from a bank to a convenience store, and the data processing company collects information from all banks that are requested to process the information, and distributes the information to each convenience store.

As described above, in the present embodiment, when a user receives cash at a facility (convenience store) other than the store of the bank, first, the bank of the transaction partner issues the cash.
The information of the cash card owned by the user is read, and then the user inputs the personal identification number registered in advance in the bank. Furthermore, if the user inputs the amount of money he / she wants to receive, the read card information and PIN are correct, and the balance of the user's deposit account is sufficient, in other words, the balance of the user's deposit account is Only if the amount of money you want to receive is more than the amount you want to receive, we will issue a receipt with information about that amount. Then, by presenting this receipt to the clerk of the convenience store, the user can receive the cash at the convenience store. That is, the process of counting cash and paying out a predetermined amount is performed by the clerk who has received the receipt. Therefore, it is not necessary to install an expensive ATM in the convenience store, and it is possible to substitute this with a device having a receipt issuing function, which has a simple structure and is inexpensive. Therefore, in the present embodiment, it is possible to implement a service that allows a user to receive cash at a convenience store at low cost.

The facilities other than the financial institution stores where the user receives the cash are not limited to the convenience stores. Other installation locations include gas stations, family restaurants, supermarkets, co-ops, department stores, hospitals, government offices, stations, fast food stores, and various chain stores. When installed at a gas station, it is conceivable to combine it with a device (POS device for a stand) that is currently used to read information on a membership card and calculate a charge or the like from the amount of refueling. In other words, this device can also be used as a financial transaction device.

Further, in this embodiment, the correctness determination means 4,
The balance confirmation means 5 and the withdrawal permission information output means 6 are provided in a place different from other elements constituting the cash receiving system.
That is, the correctness determination means 4, the balance confirmation means 5, and the withdrawal permission information output means 6 are installed in a bank, and the other components are installed in a convenience store. However, the correctness determination unit 4, the balance confirmation unit 5, and the withdrawal permission information output unit 6 are incorporated into the financial transaction device A to determine whether the input information is correct or incorrect, check the balance of the deposit account, and output the withdrawal permission information to the financial transaction. The device A may be configured to operate independently. However, in this case, it is necessary to take strict measures so that personal information is not accidentally leaked, and it is indispensable to update the balance information of the user's deposit account in real time.

[0049]

According to the present invention, it is possible to implement a service in which a user can receive cash at a facility other than a store of a financial institution at a low cost, and a financial transaction at a facility other than the store of a financial institution. Exert a great effect on the spread of.

[Brief description of drawings]

FIG. 1 is a block diagram showing a schematic configuration of a cash receiving system according to an embodiment of the present invention.

FIG. 2 is an external view of a financial transaction device which is a part of the cash receiving system.

FIG. 3 is a reference diagram showing a display state of the monitor of the financial transaction device.

FIG. 4 is a reference diagram showing a display state of the monitor of the financial transaction device.

FIG. 5 is a reference diagram showing an example of a receipt issued by a receipt issuing means.

FIG. 6 is a part of a flow chart for explaining the function of the cash receiving system (cash receiving procedure).

FIG. 7 is a part of a flow chart for explaining the function of the cash receiving system (cash receiving procedure).

FIG. 8 is a part of a flow chart for explaining the function of the cash receiving system (cash receiving procedure).

[Explanation of symbols]

A financial transaction device B bank host computer F cash card (cash receiving card) 1 card information reading means 2 personal identification number input means 3 desired receipt amount input means 4 correctness determination means 5 balance confirmation means 6 withdrawable information output means 7 Receipt issuing means 7a Amount information recording means 7b Issuing date / time information recording means 7c User identification information recording means 8 Receipt information reading means (bar code scanner) 9 Cash handing refusal means 10 Cash storage means (register) 10a Total cash storage means 11a, 11b Transmitting / receiving means 12 Card insertion slot 13 Receipt issuing slot 14 Monitor 15a Bar code portion 15b in which information regarding the amount of money is recorded Bar code portion 15c in which information regarding the issuing date and time is recorded 15 c Bar code portion in which user identification information is recorded

Continuation of the front page (56) Reference JP-A-8-249399 (JP, A) JP-A-8-124031 (JP, A) International Publication 97/13228 (WO, A1) (58) Fields investigated (Int. Cl. ⁷ , DB name) G06F 17/60 G07D 9/00 JISST file (JOIS)

Claims (12)

(57) [Claims] 1.If you have an account with a financial institution,
Receive cash at your convenience store withdrawal from your account
A cash receiving system used for The financial institution has a host computer, and
Convenience stores are financial transaction contract equipment and cash registers.
Have a Financial transaction contract device included in the convenience store
Is Cars issued by the financial institution and owned by the user
Card information reading means for reading the information of the card, PIN code registered by the user in advance with the financial institution
PIN input means for inputting, Receipt for the user to enter the amount of money he wishes to receive
A desired amount input means, Record the amount of money information entered with the desired amount of money input means
Means, means for recording date and time of issue, and convenience store
A store equipped with a means for recording the store identification information of the ence store.
With a seat issuing means, The register that the convenience store has is Cash storage means for storing cash, It is recorded on the receipt issued by the receipt issuing means.
Read the amount information, issue date and time information, and store identification information
Receipt information reading means If the time read by the receipt information reading means is
From the time when the receipt is issued by the receipt issuing means
Whether the specified time has not passed, and whether the receipt information is
Receipts read by the news reader are issued at the store
Based on the store identification information
It has a confirmation means to confirm, The host computer of the financial institution is Card of the financial transaction contract device at the convenience store
Card information read by the information reading means and the secret code
Whether or not the PIN entered by the code input means is correct
Discriminating means, The deposit balance of the user's account at the financial institution
The amount of money you would like to receive from the convenience store financial transaction contract device
Check whether the amount is more than the amount entered by the input means
Balance confirmation means, Based on the results of the correctness determination means and the balance confirmation means
Withdrawal permission information output means for allowing cash withdrawal
Then Withdrawal by the withdrawal permission information output means of the host computer
The financial information of the convenience store that received the money approval information
Receipt issuing means of the contract contract device, amount information, issuance date and time
Issue a receipt that records information and store identification information,
This receipt is the convenience store register
Read by the receipt information reading means of the
Receipt by means of confirming the register of the convenience store
The time must be within the specified time from the time
It was confirmed that it was issued at the store, and
The amount of money recorded on the receipt from the money storage means
You can take out the relevant cash and hand it to the user
It will be configured A cash receiving system characterized in that. 2. Convenience store registers are:
The predetermined time has passed based on the confirmation result of the confirmation means
If or if not issued at the store, hand cash
Characterized by having a cash handing refusal means for refusing cash
The cash receiving system according to claim 1 . 3. Convenience store registers are:
The total amount of cash stored in the cash storage means of the register
A cash storage means for storing an amount, the cash storage
The total amount of cash paid to the means falls below a prescribed value
The function of the receipt issuing means is stopped when the
The cash receiving system according to claim 1 or 2, wherein the cash receiving system is provided. [Claim 4] Convenience store financial transaction contract equipment
The receipt issuance method of the device is the identification information for identifying the user.
4. The cash receiving system according to claim 1 , further comprising user identification information recording means for recording information . [Claim 5] Convenience store financial transaction contract equipment
The receipt issuance means of the table is recorded by the bar code method.
The cash receiving system according to any one of claims 1 to 4, wherein 6. A gaso instead of a convenience store
Lin Stand, Family Restaurant, Super Market
, Co-op, department store, fast food store, or various
A chain store is used , The cash receiving system in any one of Claim 1- Claim 5 characterized by the above-mentioned . 7.Financial institutions have host computers,
And convenience stores are financial transaction contract equipment and
It has a register and the convenience store has
The financial transaction contract device is issued by the financial institution and the user
Card information reading to read the information of the possessed card
And the user has previously registered with the financial institution.
Security code input means for inputting the security code,
Requested money for the user to enter the desired amount of money
The amount is input by the amount input means and the desired receipt amount input means
Means to record amount information, hand to record date and time of issuance
Record the shop identification information of the stage and convenience store
And a receipt issuing means having a means for
The cash register is stored in the register of the convenience store.
Is issued by the cash storage means and the receipt issuing means.
Amount information recorded on the receipt, issuance date and time information,
And receipt information reading means for reading the store identification information,
If the time read by the receipt information reading means is
From the time when the receipt is issued by the receipt issuing means
Whether the specified time has not passed, and whether the receipt information is
Receipts read by the news reader are issued at the store
Based on the store identification information
A confirmation means for confirming, and the host computer of the financial institution.
The computer is the financial transaction contract of the convenience store.
About the card information read by the card information reading means of the device
And whether the personal identification number entered by the personal identification number input means is correct
Correctness determination means for determining, and use in the financial institution
The deposit balance of the person's account is
Amount entered using the desired amount of money input device of the transaction contract device
Balance confirmation means for confirming whether or not the above, and the above-mentioned correctness
Cash based on the result of the discrimination means and the balance confirmation means
Withdrawal permission information output means for allowing withdrawal of cash
You can use the receiving system to
The cash that the user withdraws from his / her account
A cash receiving method at a store, A car is read by the card information reading means of the financial transaction contract device.
Card information reading process for reading card information, The personal identification number is input by the personal identification number input means of the financial transaction contract device.
PIN input process to enter the number, Received by the desired amount of money input means of the financial transaction contract device
Inputting the desired amount of money you want to receive The card information read in the card information reading step and
Check whether the PIN entered in the PIN input step is correct.
The right / wrong judgment judged by the right / wrong judging means of the host computer
Another process, The balance of the user's account is input in the desired amount of money to be received step
It is said that the host computer is more than the entered amount.
Balance confirmation process that the balance confirmation means of the computer confirms, Whether the correctness in the correctness determination process is correct and the balance is confirmed
Only when there is a large balance in the authorization process,
Withdrawal permission information output means of computer outputs withdrawal permission information
Withdrawal information output process, Upon receiving the withdrawal permission information, the financial transaction contract device
The amount of money issued, the date and time of issue, and the combination
A receipt with the store identification information of the Niens store recorded
The receipt issuance process to issue It is recorded on the receipt issued in the receipt issuing process.
The information read by the receipt information reading means of the register is read.
The receipt information reading process If the time read by the receipt information reading means is
From the time when the receipt is issued by the receipt issuing means
Whether the specified time has not passed, and whether the receipt information is
Receipts read by the news reader are issued at the store
Whether the register is confirmed or not is confirmed by the confirmation means of the register.
It has a confirmation process to confirm, If the specified time has not elapsed in the confirmation process,
If the receipt is issued at the store,
The amount of money recorded on the receipt from the money storage means
Characterized by taking out the relevant cash and handing it to the user
Cash receipt method . 8. The convenience store registers are:
The predetermined time has passed based on the confirmation result of the confirmation means
If or if not issued at the store, hand cash
It has a cash handing refusal means to refuse receipts and can read receipt information
The time read by the collecting means is the receipt issuer
After a certain amount of time has passed since the receipt of the receipt
If there is, or read by receipt information reading means
If the receipt is not issued in-house,
An engine that refuses the delivery of cash by the cash delivery refusal means.
8. The method of receiving cash according to claim 7, characterized in that
Law . 9. The convenience store register is
The total amount of cash stored in the cash storage means of the register
Cash storage means for storing
When the total amount of cash paid in is less than a predetermined value
At this point, the receipt issuance that stops the function of the receipt issuing means
8. The method according to claim 7, further comprising a stopping step.
Item 8. Cash receiving method . 10. Convenience store financial transaction contract
The receipt issuing means of the device is an identification for identifying the user.
A user identification information recording process for recording information shall be provided.
The cash receiving method according to any one of claims 7 to 9.
Law . 11. Convenience store financial transaction contract
The receipt issuing means of the device should be recorded by a bar code method.
And a cash receipt according to any one of claims 7 to 10.
How to take . 12. Instead of a convenience store,
Sorin stand, family restaurant, supermarket
Ket, co-op, department store, fast food store, or each
A seed chain store is used, and the seed chain store is used.
The cash receiving method according to claim 11 .