JP5451701B2 - Deposit acceptance system and deposit acceptance method - Google Patents

Description

  The present invention relates to a system and method for accepting payment using an automatic teller machine installed in a store.

  In recent years, automatic teller machines (hereinafter referred to as ATMs) have been installed in stores such as convenience stores. Convenience stores are often open 24 hours a day, so users can use their ATMs at convenience stores near their homes or workplaces at any time to add money to their bank accounts or It is possible to withdraw money from an account.

  ATMs are also used for the purpose of depositing sales from stores such as convenience stores. The sales amount is deposited by inserting the bank card of the sales proceeds into the ATM bank deposit section after the store manager or the like of the store inserts the bank card for the sales proceeds into the ATM.

JP 2005-031773 A

  By the way, there are no bank employees or personnel capable of repairing ATMs near ATMs installed in stores such as convenience stores. For this reason, in order to make the operating rate of ATMs arranged in stores such as convenience stores almost 100%, it is necessary to make the ATM specifications that are less likely to cause problems. In addition, in stores such as convenience stores, spaces for placing ATMs are limited. Based on these circumstances and demands, ATMs placed in stores such as convenience stores often do not have a coin deposit function.

  Incidentally, some ATMs installed in banks have a coin deposit function, but the ATM is a large one that requires an installation area of about one tatami mat. The reason for this increase is that a large space is required to accommodate coins, and that a device for sorting coins is large.

  Moreover, the occurrence of clogging of coins in a device or the like for classifying coins is one of the major factors that lower the operating rate of ATMs. Also, coin clogging occurs at a considerable frequency, and improvement on the device side to eliminate clogging is expensive. On the other hand, in ATMs installed in banks, a device for sorting coins and a coin storage unit are arranged on the back side of the portion visible to the user. For this reason, when a coin jam occurs in an apparatus for sorting coins, a bank clerk can perform work for clearing the coin jam in a place that is not visible to the user. However, there are no nearby stores such as convenience stores that can deal with coin clogging.

  Furthermore, when handling coins at an ATM at a convenience store, a security company that fills and collects ATM cash needs to carry the coins. Because coins are very heavy and difficult to carry, they are not handled at ATMs at convenience stores.

  On the other hand, recently, there has been a demand for depositing money such as sales proceeds up to the unit of coins at a store such as a convenience store. This is because the company having jurisdiction over the sales of each convenience store store wants to know the sales of each store to the unit of coins on the same day. However, since ATMs installed in convenience stores and other stores do not have a coin deposit function, the store manager must go to a nearby bank to deposit sales, etc. It only takes time. In addition, since the time when the bank window is open is limited, and it is mostly not open on Saturdays, Sundays and public holidays, the receipt of sales is delayed according to the business hours of the bank.

  This invention was made in order to solve such a subject, and provides the deposit reception system and the deposit reception method which can receive the payment to the unit of a coin using ATM installed in the store. Objective.

  In order to achieve the above object, according to the main aspect of the present invention, an automatic teller machine (ATM) disposed in a store, and a bank server capable of communicating with the ATM, A deposit acceptance system for accepting deposit to a predetermined account, wherein the ATM displays (a) a screen for requesting input of a scheduled deposit amount to the predetermined account on the display device of the ATM and input Means for storing the scheduled deposit amount in the memory of the ATM; and (b) displaying a screen for requesting deposit of bills on the display device, and storing the deposit amount of the bills deposited in the bill depositing portion of the ATM in the memory. (C) means for transmitting the estimated deposit amount and the deposit amount of the banknote to the bank server associated with the banknote deposit number assigned for the deposit of the banknote, and (d) The expected deposit amount and A means for calculating a coin deposit estimated amount from a difference from the deposit amount of the banknote, creating a coin deposit estimated amount information by associating the calculated coin deposit estimated amount with the bill deposit number, and outputting the coin deposit estimated information. The scheduled deposit amount information includes the means used for depositing the scheduled deposit amount of coins performed at a POS terminal installed in the store, and the bank server is (e) the POS terminal. Means for receiving coin deposit information transmitted from a POS server connected to the server and storing it in a server memory of the server, wherein the coin deposit information includes information associated with the bill deposit number, and the coin Means for including a deposit amount of coins deposited in the POS terminal with respect to the scheduled deposit amount information, and (f) a means for creating and outputting a deposit data table, The deposit data table stores the estimated deposit amount and the deposit amount of the banknote transmitted by the means (c) and the deposit amount of the coin received by the means (e) in correspondence with the banknote deposit number. And (g) receiving the information on the deposit amount of the banknote transmitted by the means (c), and storing it in the bank server according to the received deposit amount information. Update the stored account data of the predetermined account and accept transfer information of the amount of coins to be transferred from the bank account for POS that deposits money in the POS terminal to the predetermined account. And a means for updating the account data.

  In this way, the ATM transmits the planned deposit amount and the deposit amount of the banknote to the bank server in association with the banknote deposit number. Moreover, ATM outputs the coin deposit planned amount information which is the information which linked | related the calculated coin deposit planned amount with the banknote deposit number. On the other hand, the bank server accepts coin deposit information including a deposit amount of coins deposited at the POS terminal with respect to the coin deposit scheduled amount information from the POS server. And the server of a bank makes the deposit amount transmitted from ATM, the deposit amount of the banknote transmitted from ATM, and the deposit amount of the coin transmitted from the POS server corresponding to the said banknote deposit number. A receipt data table is created by storing in the memory, and the created receipt data table is output. For example, when the account owner computer connects to net banking provided by the bank server, the bank server can output the deposit data table to the account owner computer.

  Further, the bank server updates the account data of the predetermined account stored in the bank server with the information of the deposit amount of the banknote transmitted from the ATM, and deposits money in the POS terminal. When the deposit amount of the coin is transferred from the bank account to the predetermined account, the account data is updated based on the transfer.

  Thereby, payment can be received to the unit of a coin using ATM installed in stores, such as a convenience store. Further, the account owner can know the accepted deposit amount up to the unit of coins by looking at the deposit data table. For example, when the sales amount of a convenience store is transferred to the account of a company having jurisdiction over the sales of the convenience store by the above method, the company connects to online banking and looks at the payment data table to thereby store the convenience store. You can immediately know the amount of sales proceeds to the unit of coins.

  According to a preferred embodiment of the present invention, the system further comprises: (h) means for the ATM to transmit the coin deposit scheduled amount and the bill deposit number to the POS server; and (i) the POS The terminal receives the coin deposit scheduled amount information output by the means (d), accepts the coin deposit amount received into the POS terminal with respect to the coin deposit scheduled amount information, and receives the received coin (J) the POS server that is sent by the means (h) and received by the POS server; It is determined whether or not the coin deposit amount transmitted by the means (i) and received by the POS server is coincident, and if it coincides, the coin deposit information is displayed in advance. And it has a means for transmitting to the bank server.

  The bank server has an account contract master, and the account contract master stores, for each contractor, the presence / absence of a coin deposit contract that enables deposits by coins. ) The ATM collates the card information of the bank card of the predetermined account inserted into the card insertion unit with the account contract master of the bank server, and the card information is the contractor data of the account contract master. It is preferable that the information processing apparatus further includes means for determining that the means (a) to (g) are performed when the data matches and the contractor data is a person who has the coin deposit contract.

  Further, this system is for depositing the sales proceeds of the store into the predetermined account, and the means (f) is requested from the computer of the store or the computer of the company having jurisdiction over the sales proceeds of the store. If so, it is preferable that the bank server transmits the data in the deposit data table to the store computer or the company computer.

  The means (d) includes a coin deposit number receiving process for receiving a coin deposit number that the POS server assigns and transmits to the ATM after the transmission of the means (c) in association with the bill deposit number. It is preferable to perform a printing process for printing the coin deposit scheduled amount information including the coin deposit number received in the coin deposit number receiving process. The means (c) includes a card information transmission process for reading the card information of the bank card of the predetermined account inserted into the ATM card insertion section and transmitting the card information to the bank server; and the card information transmission process. Later, the banknote deposit number receiving process for receiving the banknote deposit number sent by the bank server and transmitted to the ATM, the deposit amount of the banknote deposited by the means (b), and the step (a) It is preferable to perform a transmission process in which the planned deposit amount received in step S1 is transmitted to the bank server in association with the banknote deposit number received in the banknote deposit number reception process.

  In order to achieve the above object, according to another main aspect of the present invention, an automatic teller machine (ATM) disposed in a store and a bank server capable of communicating with the ATM are used. A deposit acceptance method for accepting a deposit to a predetermined account of a bank, wherein the ATM displays (a) a screen for requesting input of a scheduled deposit amount to the predetermined account on the display device of the ATM, and input Storing the received deposit amount in the ATM memory; and (b) displaying a screen requesting the deposit of banknotes on the display device, and displaying the deposit amount of the banknotes deposited in the ATM banknote depositing unit. Storing in the memory; and (c) transmitting the planned deposit amount and the deposit amount of the banknote to the bank server in association with the banknote deposit number assigned for depositing the banknote; d) The expected deposit amount A step of calculating a coin deposit scheduled amount from a difference from the deposit amount of the banknote, associating the calculated coin deposit planned amount with the bill deposit number and creating and outputting a coin deposit scheduled amount information, and outputting the coin The scheduled deposit amount information is used for depositing the scheduled deposit amount of coins performed at a POS terminal installed in the store, and the server of the bank performs (e) the POS terminal. Receiving the coin deposit information transmitted from the POS server connected to the server, and storing it in the server memory of the server, wherein the coin deposit information includes information related to the bill deposit number and the coin The step including the deposit amount of coins deposited in the POS terminal with respect to the scheduled deposit amount information, and (f) creating and outputting a deposit data table. In this deposit data table, the scheduled deposit amount and the deposit amount of the banknote transmitted in the step (c) and the deposit amount of the coin received in the step (e) are associated with the banknote deposit number. (G) receiving the information on the deposit amount of the banknote transmitted by the step (c), and storing the banknote in accordance with the received information on the deposit amount of the banknote. Update the account data of the predetermined account stored in the server, and accept transfer information of the deposit amount of the coin from the bank account for POS that deposits the money in the POS terminal to the predetermined account, and transfer it And a step of updating the account data according to the information.

  In this way, the ATM transmits the planned deposit amount and the deposit amount of the banknote to the bank server in association with the banknote deposit number. Moreover, ATM outputs the coin deposit planned amount information which is the information which linked | related the calculated coin deposit planned amount with the banknote deposit number. On the other hand, the bank server accepts coin deposit information including a deposit amount of coins deposited at the POS terminal with respect to the coin deposit scheduled amount information from the POS server. And the server of a bank makes the deposit amount transmitted from ATM, the deposit amount of the banknote transmitted from ATM, and the deposit amount of the coin transmitted from the POS server corresponding to the said banknote deposit number. A receipt data table is created by storing in the memory, and the created receipt data table is output. For example, when the account owner computer connects to net banking provided by the bank server, the bank server can output the deposit data table to the account owner computer.

  Further, the bank server updates the account data of the predetermined account stored in the bank server with the information of the deposit amount of the banknote transmitted from the ATM, and deposits money in the POS terminal. When the deposit amount of the coin is transferred from the bank account to the predetermined account, the account data is updated based on the transfer.

  Thereby, payment can be received to the unit of a coin using ATM installed in stores, such as a convenience store. Further, the account owner can know the accepted deposit amount up to the unit of coins by looking at the deposit data table. For example, when the sales amount of a convenience store is transferred to the account of a company having jurisdiction over the sales of the convenience store by the above method, the company connects to online banking and looks at the payment data table to thereby store the convenience store. You can immediately know the amount of sales proceeds to the unit of coins.

  According to the present invention, it is possible to accept deposits up to the unit of coins using an ATM installed in a store such as a convenience store.

  Still other features and remarkable effects of the present invention will be understood by those skilled in the art by referring to the embodiments and drawings described in the Best Mode for Carrying Out the Invention below.

The figure which shows schematic structure of the money_receiving | payment reception system which concerns on one Embodiment of this invention. The figure which shows the outline constitution of ATM Perspective view of ATM Example of display screen of display device Diagram showing schematic configuration of server device Example of account contract master Flowchart showing processing in ATM, server device, POS terminal and POS server Example of display screen of display device Example of planned deposit amount data Example of banknote deposit amount data Coin deposit data example Coin deposit data example Example of receipt data table Example of account data

  Hereinafter, a deposit acceptance system according to an embodiment of the present invention will be described with reference to the drawings.

  FIG. 1 is a diagram showing a schematic configuration of a deposit acceptance system according to an embodiment of the present invention. This deposit acceptance system includes an ATM 100 installed in a store S such as a convenience store, a server device 200 of a bank A connected to the ATM 100 via a communication line, and a POS terminal 300 installed in the store S. , The ATM 100, the server device 200, and a POS server 400 connected to the POS terminal 300 via a communication line. The bank A may be a bank in which the ATM 100 is installed, or may be a bank in which bank transactions can be performed by the ATM 100, although it is not a bank in which the ATM 100 is installed. A well-known firewall, Web server, etc. are not shown.

  FIG. 2 is a diagram showing a schematic configuration of the ATM 100 of this embodiment, and FIG. 3 is a perspective view of the ATM. As shown in FIG. 3, the ATM 100 has an interface unit IF on the front side thereof. As shown in FIG. 2, the ATM 100 includes a CPU 110, a RAM 120, a display device 130 such as a liquid crystal display, a transmission / reception unit 140 such as a modem or a router, an input device 151 composed of a plurality of buttons, and a user. Touch panel type input device 152 that accepts input by touching display device 130 with a finger, card insertion unit 153, bill deposit unit 154, printing device 155, bill deposit data storage unit 160, and program storage Part 170. In the present embodiment, the interface unit IF includes a display device 130, an input device 151, a touch panel type input device 152, a card insertion unit 153, a banknote deposit unit 154, and a printing device 155.

  The input device 151 includes 0 to 9 numeric keys, a determination button, a cancel button, a space button, a delete button, and the like. The display device 130 displays a screen used when the user performs bank transactions. When the user stands in front of the ATM 100, for example, a screen as shown in FIG. 4 is displayed. Further, when the user touches the “drawer” or “deposit” portion on the display device 130, the touch panel type input device 152 receives an input of “drawer” or “deposit”. When a card of a financial institution, that is, a cash card, a credit card or the like is inserted, the card insertion unit 153 reads card information of the inserted card. The banknote depositing unit 154 has a lid (not shown). When the “deposit” is selected on the screen of FIG. 4, for example, the banknote depositing unit 154 allows the user to deposit banknotes in the middle of the banking transaction. Open to. Moreover, if a user inserts a banknote in the banknote depositing part 154 while this cover part is open, the said cover part will close and ATM100 will accommodate the banknote inserted in the banknote depositing part 154. FIG.

  In this ATM 100, the program storage unit 170 causes the ATM 100 to perform a predetermined operation, a card information reception processing unit 171, a card information inquiry processing unit 172, a scheduled deposit receipt processing unit 173, a banknote deposit processing unit 174, and a banknote deposit information. It has a transmission processing unit 175, a banknote deposit data storage processing unit 176, a coin deposit scheduled amount transmission processing unit 177, a coin deposit number storage processing unit 178, and a coin deposit sheet print processing unit 179. These functions will be described later along an example of processing performed by the ATM 100 and the server device 200 (see FIG. 7).

  FIG. 5 is a diagram showing a schematic configuration of the server apparatus 200 of the present embodiment. The server device 200 includes a CPU 210, a RAM 220, a display device 230 such as a liquid crystal display, a transmission / reception unit 240 such as a modem or a router, an account contract master storage unit 250, an account data storage unit 260, and a deposit data storage unit. 270, a dedicated sales / payment database 280, a program storage unit 290, and an external channel hub CH. The account contract master storage unit 250 and the account data storage unit 260 are part of the bank A account system. The account contract master storage unit 250 has an account contract master as illustrated in FIG. 6 in which customer information in the bank A (personal information such as name, address, and telephone number) is associated with a branch code, an account number, and the like. This account contract master stores information on whether or not a coin deposit contract is made for each contractor. The account data storage unit 260 stores account balances and bank transaction histories for each account number.

  This server apparatus 200 has an account contract inquiry processing unit 291, a banknote deposit number numbering processing unit 292, a deposit data storage processing unit 293, an account data updating unit 294, which causes the program storage unit 290 to perform predetermined operations on the computer. And a sales receipt dedicated database update unit 295. These functions will be described below along with an example of processing performed by the ATM 100 and the server device 200 (see FIG. 7). Here, a case where a user who is a store manager or the like of the store S deposits the sales amount of the store S that day into the account a of the bank A will be described. The account a is an account owned by a company having jurisdiction over the store S.

  First, when the user inserts a bank card for transfer of the account a into the card insertion unit 153 of the ATM 100, the ATM 100 reads card information (for example, account number or card number) by the card information reception processing unit 171 (step S1). ). Subsequently, the ATM 100 transmits the card information to the server device 200 in order to refer the read card information to the account contract master of the bank A by the card information inquiry processing unit 172 (step S2).

  Upon receiving the card information, the server apparatus 200 determines whether the card information matches the contractor data of the account contract master stored in the account contract master storage unit 250 by the account contract inquiry processing unit 291. At the same time, an account contract inquiry process is performed to determine whether or not a coin deposit contract has been made for the matched contractor data (step S3). Subsequently, when the card information matches the contractor data in step S3 and a coin deposit contract is made for the contractor data, the server apparatus 200 uses the banknote deposit number numbering processing unit 292 to execute the deposit transaction. A banknote deposit number numbering process for assigning a unique banknote deposit number is performed (step S4). That is, the banknote deposit number is a number associated with the card number. Then, the server apparatus 200 transmits, to the ATM 100, an account inquiry result indicating whether or not the card information matches the contractor data and the presence / absence of a coin deposit contract and a banknote deposit number by the account contract query processing unit 291 ( Step S5).

  When the ATM 100 receives the account reference result and the banknote deposit number, and the card information is consistent with the contractor data in the account query result and there is a coin deposit contract, the ATM 100 performs the process of accepting the scheduled deposit amount. It performs (step S6). In this process, the ATM 100 causes the display device 130 to display a screen as shown in FIG. 8 on the display device 130 and requests the user to input the planned payment amount, which is input by the input device 151. Accepts input of the expected deposit amount. Also, the ATM 100 uses the banknote deposit data storage processing unit 176 to create the deposit expected amount data in which the received deposit expected amount and the card information (card number, etc.) are associated with the banknote deposit number, and store banknote deposit data. Stored in the unit 160. The expected deposit amount data is, for example, as shown in FIG. Subsequently, the ATM 100 uses the banknote deposit information transmission processing unit 175 to transmit the scheduled deposit amount data in which the planned deposit amount and the card information are associated with the bill input number to the server device 200 (step S7).

  Moreover, ATM100 performs a banknote deposit process (step S8). In this process, the ATM 100 causes the bill deposit processing unit 174 to display a screen requesting deposit of bills in sales on the display device 130, and opens the lid of the bill deposit unit 154, and enters the bill deposit unit 154. When a bill is inserted, the lid is closed to accommodate the bill. Further, the ATM 100 displays a screen requesting confirmation of the amount of money of the inserted banknote and the suitability of the money deposited on the display device 130, and when the user touches a confirmation button on the screen of the display device 130, the touch panel type The input is received by the input device 152. Then, the ATM 100 associates the deposit amount of the banknote deposited by the banknote deposit data storage processing unit 176 with the card information, the banknote deposit number, etc. stored in the step S6, and the banknote deposit amount data. Is stored in the banknote deposit data storage unit 160. The banknote deposit amount data is, for example, as shown in FIG. Subsequently, the ATM 100 uses the banknote deposit information transmission processing unit 175 to transmit the banknote deposit amount data in which the banknote deposit amount and the card information are associated with the banknote deposit number to the server device 200 (step S9).

  Subsequently, the ATM 100 calculates the estimated coin deposit amount from the difference between the scheduled deposit amount and the deposit amount of the banknotes by the coin deposit scheduled amount transmission processing unit 177 (step S10), and the calculated estimated coin deposit amount. And the said banknote deposit number is transmitted to the said POS server 400 via the external channel hub CH of the server apparatus 200 (step S11). The POS server 400 includes a coin deposit number numbering processing unit 420 and a coin deposit information matching unit 430 in its program storage unit, and a coin deposit data storage unit 440. When the POS server 400 receives the coin deposit scheduled amount and the banknote deposit number from the ATM 100, the coin deposit number numbering processing unit 420 assigns a coin deposit number unique to the banknote deposit number (step S12). Then, coin deposit data in which this coin deposit number is associated with the planned coin deposit amount and the bill deposit number is created (see FIG. 11), and the created coin deposit data is stored in the coin deposit data storage unit 440 (step S13). ). Moreover, the said coin receipt number is linked | related with the said banknote receipt number, and it transmits to ATM100 (step S14).

  Subsequently, the ATM 100 receives the coin deposit number by the coin deposit number storage processing unit 178, and associates the received coin deposit number with the card information, bill deposit number, etc. stored in the step S6. After storing in the data storage unit 160, a coin deposit sheet is printed by the coin deposit sheet print processing unit 179 and the printing device 155 (step S15). In this coin deposit sheet, as the coin deposit scheduled amount information, the coin deposit planned amount and the coin deposit number are described, or the information on the coin deposit scheduled amount and the coin deposit number is barcoded. Has been. In addition, it cannot be overemphasized that the said coin deposit number is the information linked | related with the said banknote deposit number.

  Subsequently, a coin deposit acceptance process is performed by reading the barcode of the coin deposit sheet with the barcode reader of the POS terminal 300 (step S16). The POS terminal 300 includes a display device 320, an input unit 330 having numeric input buttons 0 to 9 and the like, and a coin deposit receiving unit 340 stored in the program storage unit. In this coin deposit acceptance process, the POS terminal 300 accepts the coin deposit scheduled amount information included in the barcode read by the barcode reader by the coin deposit acceptance unit 340. Then, the expected coin deposit amount is displayed on the display device 320, and the coin deposit amount to be deposited in the POS terminal 300 is input by operating the input unit 330 of the POS terminal 300 with respect to the coin deposit scheduled amount information. . Then, the POS terminal 300 accepts the coin deposit amount input by the input unit 330 by the coin deposit acceptance unit 340. Subsequently, the POS terminal 300 transmits the deposit amount of the coin to the POS server 400 together with the coin deposit number included in the coin deposit scheduled amount information (step S17).

  Subsequently, the POS server 400 performs a matching process (step S18). In this collation process, the POS server 400 receives the coin deposit amount and the coin deposit number transmitted from the POS terminal 300 by the coin deposit information matching unit 430, and the coin deposit data created in step S13. (See FIG. 12). Further, the POS server 400 determines whether or not the coin deposit scheduled amount in the coin deposit data and the deposit amount of the coin match by the coin deposit information matching unit 430. The coin deposit data including the banknote deposit number and the coin deposit amount is transmitted to the server device 200 (step S19). Here, in step S18, the POS server 400 waits for a certain period (for example, 24 hours) to transmit the coin deposit amount transmitted from the POS terminal 300 corresponding to the coin deposit data stored in step S13. And if the said fixed period passes, the coin deposit data stored in step S13 will be canceled, and it will be transmitted to the server apparatus 200 in correlation with the banknote deposit number of the coin deposit data.

  Subsequently, the server apparatus 200 uses the deposit data storage processing unit 293 to store the planned deposit amount data and bill deposit amount data transmitted from the ATM 100 and the coin deposit data transmitted from the POS server 400 into a deposit data storage unit. It stores in 270 (step S20). Further, the server apparatus 200 creates a deposit data table by the sales dedicated database update unit 295 and stores it in the sales deposit dedicated database 280 (step S21). As shown in FIG. 13, the deposit data table includes the scheduled deposit amount of the deposit expected amount data transmitted from the ATM 100, the deposit amount of banknotes of the deposit amount data transmitted from the ATM 100, and the POS server 400. The coin deposit amount of the coin deposit data transmitted from is stored in the sales dedicated database 280 in association with the bill deposit number. When the server apparatus 200 receives that the POS server 400 has canceled the coin deposit data as described above, the server apparatus 200 stores this in the sales dedicated database 280 in association with the banknote deposit number.

  Moreover, when the server apparatus 200 receives the banknote deposit amount data transmitted from the ATM 100 in step S9, the server apparatus 200 stores the account a stored in the account data storage unit 260 of the server apparatus 200 according to the received deposit amount information. Data is updated (step S22). The data of the account a is as shown in FIG. 14, for example. Further, when the server device 200 receives the transfer information of the amount of coins to be transferred to the account a from the POS bank account for depositing money from the POS terminal 300, the account data is stored by the transfer information as shown in FIG. The data of the account a stored in the unit 260 is updated.

  When there is a request from the computer of the store S or the computer of the company that manages the sales proceeds of the store S, the server device 200 transmits the data of the deposit data table to the computer of the store S or the computer of the company.

  As described above, according to the present embodiment, the ATM 100 associates the scheduled deposit amount and the deposit amount of the banknote with the banknote deposit number and transmits it to the server device 200. Moreover, ATM100 outputs the coin deposit scheduled amount information which is the information which linked | related the calculated coin deposit planned amount with the banknote deposit number by printing. On the other hand, the server device 200 receives coin deposit information including a deposit amount of coins deposited by the POS terminal 300 with respect to the coin deposit scheduled amount information from the POS server 400. Then, the server device 200 associates the planned deposit amount transmitted from the ATM 100, the deposit amount of bills transmitted from the ATM 100, and the deposit amount of coins transmitted from the POS server 300 with the bill receipt number. While storing in the deposit data storage unit 270 of the server apparatus 200, a deposit data table is created in the sales dedicated database 280, and the created deposit data table is output. For example, when a computer of the store S or a computer of a company having jurisdiction over the sales proceeds of the store S is connected to net banking provided by the server device 200, the server device 200 stores the deposit data table in the store S computer or the company Can be output to any computer.

  In addition, the server device 200 updates the account data of the account a stored in the server device 200 with the information on the deposit amount of the bill transmitted from the ATM 100, and deposits money in the POS terminal 300. When the deposit amount of the coin is transferred from the account to the account a, the account data of the account a is updated based on the transfer.

  Thereby, payment can be received to the unit of a coin using ATM100 installed in store S, such as a convenience store. Further, the owner of the account a can know the accepted deposit amount up to the unit of coins by looking at the deposit data table. For example, when the sales amount of a convenience store is transferred to the account a of a company having jurisdiction over the sales of the convenience store by the above method, the company connects to online banking and looks at the payment data table, thereby the convenience store. You can instantly know the amount of sales proceeds to the unit of coins.

  Moreover, in this embodiment, ATM100 transmits the said coin deposit scheduled amount and the said banknote deposit number to the POS server 400, and the POS terminal 300 receives the said coin deposit planned amount information output by printing in ATM100. The coin deposit amount received into the POS terminal 300 is received with respect to the coin deposit scheduled amount information, and the received coin deposit amount is transmitted to the POS server 400 in association with the coin deposit scheduled amount information. . Further, the POS server 400 determines whether the coin deposit scheduled amount transmitted from the ATM 100 and received by the POS server 300 matches the deposit amount of the coin transmitted from the POS terminal 300 and received by the POS server 400. If they match, the coin deposit information is transmitted to the server device 200. In this way, in the process where the coin deposit scheduled amount is output from the ATM 100 and received by the POS terminal 300, it is not necessary to connect the ATM 100 and the POS terminal 300 via a communication line, so that the system configuration is simplified. Further, the POS server 400 determines whether or not the coin deposit scheduled amount from the ATM 100 and the coin deposit amount from the POS terminal 300 match, and if they match, the coin deposit information is transmitted to the server device 400. If they do not match, they are not transmitted, which is advantageous in simplifying and increasing the efficiency of processing in the server apparatus 400.

  Moreover, in this embodiment, the server apparatus 200 has an account contract master, and this account contract master stores for each contractor the presence or absence of a coin deposit contract that enables deposit by coins. Also, in this system, the ATM 100 collates the card information of the bank card of the account a inserted into the card insertion unit 153 with the account contract master of the server device 200, and the card information is the contractor data of the account contract master. If they match and the contractor data is a party having the coin deposit contract, it is determined to perform step S6 and subsequent steps. Thus, when the contractor data that matches the card information in the ATM 100 does not have a coin deposit contract, it is not necessary to perform the processing after step S6, which is advantageous in reducing the load on the entire system.

  Moreover, in this embodiment, it is performed in order to deposit the sales proceeds of the store S to the account a. Further, when there is a request from the computer of the store S or the computer of the company having jurisdiction over the sales proceeds of the store S, the server device 200 causes the data of the deposit data table to be transferred to the computer of the store S or the computer of the company Sent. As a result, the store S or the company can immediately know the amount of sales proceeds up to the unit of coins.

  Moreover, in this embodiment, after the ATM 100 transmits the deposit amount of the banknote to the server device 200 in association with the banknote deposit number, the coin deposit number that is numbered in association with the banknote deposit number by the POS server 400 is used. The ATM 100 receives, and the ATM 100 outputs the coin deposit scheduled amount information including the received coin deposit number by printing. Since the coin deposit number is associated with the bank deposit number, the ATM 100 prints the coin deposit planned amount information including the coin deposit number, and when the coin deposit planned amount information is received by the POS terminal 300, the POS terminal 300 is the POS terminal 300. It is possible to transmit the coin deposit amount to the server 400 in association with the banknote deposit number.

  In the present embodiment, the ATM 100 reads the card information of the bank card of the account a inserted into the card insertion unit 153 and transmits it to the server device 200, and the server device 200 assigns the number after the processing. The bill receiving number transmitted to the ATM 100 is received. Further, the ATM 100 transmits the deposit amount of the banknote deposited into the ATM 100 and the scheduled deposit amount received by the ATM 100 to the server device 200 in association with the bank deposit number. Thus, since the banknote deposit number which has the role which links | pays the deposit of the banknote in ATM100 and the deposit of the coin in the POS terminal 300 is numbered by the server apparatus 200, the deposit which concerns on said deposit process in the server apparatus 200 is performed. It is possible to grasp with certainty. In addition, the banknote deposit number is used to link the deposit of the banknote in the ATM 100 and the deposit of the coin in the POS terminal 300 as described above, and information from the bank card, for example, the card number is stored in the POS terminal 300 or the POS server 400. Since it is not necessary to use it, it is extremely advantageous in preventing the leakage of bank card information.

  In the present embodiment, the ATM 100 prints a coin deposit sheet in step S15. On the other hand, the ATM 100 may display the barcode on the display device 130 in step S15, and the barcode may be read by a wireless handy terminal attached to the POS terminal 300. In this case, printing in the ATM 100 is unnecessary, which is extremely advantageous for simplifying the apparatus and improving efficiency.

  It is also possible to connect the ATM 100 and the POS terminal 300 via a communication line, and transmit information on the coin deposit scheduled amount and the coin deposit number from the ATM 100 to the POS terminal 300.

  In the present embodiment, the coin deposit number is assigned in step S12, and the coin deposit number is included in the estimated coin deposit amount information output from the ATM 100 and received by the POS terminal 300. The POS server 400 receives the coin received from the ATM 100. The scheduled deposit amount and the deposit amount of coins received from the POS terminal 300 are collated based on the coin deposit number. On the other hand, it is also possible to use a banknote deposit number instead of a coin deposit number in each subsequent step without assigning a coin deposit number in step S12. Play.

  In the present embodiment, in step S18, the POS server 400 determines whether or not the coin deposit amount from the POS terminal 300 and the coin deposit planned amount from the ATM 100 match, and only when they match, the POS terminal The deposit amount of coins from 300 is transmitted to the server device 300. On the other hand, it is also possible to transmit the coin deposit amount from the POS terminal 300 to the server device 200 as the coin deposit data together with the bill deposit number without determining whether or not they match.

  In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.

  DESCRIPTION OF SYMBOLS 100 ... ATM, 110 ... CPU, 120 ... RAM, 130 ... Display apparatus, 140 ... Transmission / reception part, 151 ... Input device, 152 ... Touch panel input device, 153 ... Card insertion part, 154 ... Banknote deposit part, 155 ... Printing apparatus, 160 ... Banknote deposit data storage unit, 170 ... Program storage unit, 171 ... Card information reception processing unit, 172 ... Card information inquiry processing unit, 173 ... Planned deposit receipt processing unit, 174 ... Banknote deposit processing unit, 175 ... Banknote deposit Information transmission processing unit, 176 ... bill deposit data storage processing unit, 177 ... coin deposit scheduled amount transmission processing unit, 178 ... coin deposit number storage processing unit, 179 ... coin deposit sheet print processing unit, 200 ... server device, 210 ... CPU 220 ... RAM 230 ... display device 240 ... transmission / reception unit 250 ... account contract master storage unit 260 ... account data Payment unit, 270 ... Deposit data storage unit, 280 ... Sales deposit dedicated database, 290 ... Program storage unit, 291 ... Account contract inquiry processing unit, 292 ... Banknote deposit number numbering processing unit, 293 ... Deposit data storage processing unit, 294 ... account data update unit, 295 ... sales dedicated database update unit, 300 ... POS terminal, 310 ... transmission / reception unit, 320 ... display device, 330 ... input unit, 340 ... coin deposit acceptance unit, 400 ... POS server, 410 ... transmission / reception unit , 420 ... Coin deposit number numbering processing unit, 430 ... Coin deposit information matching unit, 440 ... Coin deposit data storage unit, S ... Store, IF ... Interface.

Claims (12)

An automatic teller machine (ATM) disposed in a store and a bank server capable of communicating with the ATM, a deposit acceptance system for accepting deposits to a predetermined account of the bank,
The ATM is
(A) means for displaying a screen for requesting an input of an expected deposit amount to the predetermined account on the display device of the ATM, and storing the input expected deposit amount in a memory of the ATM;
(B) means for displaying a screen for requesting deposit of banknotes on the display device, and storing the deposit amount of banknotes deposited in the banknote deposit section of the ATM in the memory;
(C) means for transmitting the estimated deposit amount and the deposit amount of the banknote to the bank server in association with the banknote deposit number assigned for depositing the banknote;
(D) Calculate the coin deposit scheduled amount from the difference between the deposit expected amount and the bill deposit amount, create the coin deposit planned amount information by associating the calculated coin deposit planned amount with the bill deposit number, and output The coin deposit scheduled amount information is used for depositing the coin deposit scheduled amount performed at a POS terminal installed in the store,
The bank server is
(E) means for accepting coin deposit information transmitted from a POS server connected to the POS terminal and storing it in a server memory of the server, wherein the coin deposit information is related to the bill deposit number. Said means, and said means for depositing coins with respect to said coin deposit scheduled amount information, said means,
(F) Means for creating and outputting a deposit data table, which is received by the means (e) and the planned deposit amount and the deposit amount of the bills transmitted by the means (c). The means for storing a coin deposit amount in the server memory in correspondence with the banknote deposit number;
(G) Accepting information on the deposit amount of the banknote transmitted by the means (c), and updating the account data of the predetermined account stored in the bank server with the received deposit amount information of the banknote. And means for accepting transfer information of the amount of coins deposited from the bank account for POS that deposits money in the POS terminal to the predetermined account, and updating the account data with the transfer information. A deposit acceptance system. In the deposit acceptance system according to claim 1,
The system further
(H) means for the ATM to send the coin deposit scheduled amount and the banknote deposit number to the POS server;
(I) The POS terminal accepts the coin deposit scheduled amount information output by the means (d), and accepts the deposit amount of the coin deposited into the POS terminal with respect to the coin deposit scheduled amount information. Means for transmitting the received deposit amount of the coin in association with the scheduled coin deposit amount information to the POS server;
(J) The coin deposit scheduled amount received by the POS server and received by the POS server matches the coin deposit amount received by the means (i) and received by the POS server. And a means for transmitting the coin deposit information to the bank server when they match, and a deposit acceptance system. In the deposit acceptance system according to claim 1,
The bank server has an account contract master, and this account contract master stores, for each contractor, the presence or absence of a coin deposit contract that enables deposit by coin,
This system
(K) The ATM collates the card information of the bank card of the predetermined account inserted into the card insertion unit with the account contract master of the server of the bank, and the card information is a contractor of the account contract master. A deposit acceptance further comprising means for deciding to perform the means (a) to (g) when the data matches the data and the contractor data is a person having the coin deposit contract. system. In the deposit acceptance system according to claim 1,
This system is for depositing the sales proceeds of the store into the predetermined account,
When there is a request from the computer of the store or the computer of the company having jurisdiction over the sales proceeds of the store, the means (f) sends the data of the deposit data table to the computer of the store or the computer of the company. A method for accepting deposits, characterized in that it is transmitted to the bank. In the deposit acceptance system according to claim 1,
Said means (d) comprises:
After the transmission of the means (c), a coin deposit number receiving process for receiving the coin deposit number that the POS server numbers in association with the bill deposit number and transmits to the ATM;
And a printing process for printing the coin deposit scheduled amount information including the coin deposit number received in the coin deposit number receiving process by printing. In the deposit acceptance system according to claim 1,
Said means (c) comprises:
A card information transmission process for reading the card information of the bank card of the predetermined account to be inserted into the ATM card insertion section and transmitting it to the bank server;
After the card information transmission process, a banknote deposit number receiving process for receiving the banknote deposit number that the bank server numbers and transmits to the ATM;
The bank server that associates the deposit amount of the banknote deposited in the means (b) and the scheduled deposit amount received in the step (a) with the banknote deposit number received in the banknote deposit number reception process. A deposit acceptance system characterized by performing a transmission process to be transmitted to. A deposit acceptance method for accepting a deposit to a predetermined account of the bank using an automatic teller machine (ATM) disposed in a store and a bank server capable of communicating with the ATM,
The ATM is
(A) displaying a screen for requesting input of an expected deposit amount to the predetermined account on the display device of the ATM, and storing the input expected deposit amount in a memory of the ATM;
(B) displaying a screen requesting deposit of banknotes on the display device, and storing the deposit amount of banknotes deposited in the banknote deposit section of the ATM in the memory;
(C) The step of transmitting the planned deposit amount and the deposit amount of the banknote to the bank server in association with the banknote deposit number assigned for depositing the banknote;
(D) Calculate the coin deposit scheduled amount from the difference between the deposit expected amount and the bill deposit amount, create the coin deposit planned amount information by associating the calculated coin deposit planned amount with the bill deposit number, and output The coin deposit scheduled amount information is used for depositing the coin deposit scheduled amount performed at a POS terminal installed in the store; and
And
The bank server is
(E) A step of accepting coin deposit information transmitted from a POS server connected to the POS terminal and storing it in a server memory of the server, wherein the coin deposit information is related to the bill deposit number. Information and a deposit amount of coins deposited to the POS terminal with respect to the coin deposit schedule amount information,
(F) A step of creating and outputting a deposit data table, which is received by the step (e) and the planned deposit amount and the deposit amount of the bills transmitted in the step (c). The coin deposit amount is stored in the server memory in correspondence with the banknote deposit number, and
(G) Accepting the information on the deposit amount of the banknote transmitted in the step (c), and updating the account data of the predetermined account stored in the server of the bank with the received deposit amount information of the banknote. And receiving the transfer information of the deposit amount of the coin from the POS bank account for depositing the money in the POS terminal to the predetermined account, and updating the account data with the transfer information. How to accept payment. In the deposit acceptance method according to claim 7,
This method further
(H) the ATM transmits the coin deposit scheduled amount and the banknote deposit number to the POS server;
(I) The POS terminal accepts the coin deposit scheduled amount information output in the step (d), and accepts the deposit amount of the coin deposited in the POS terminal with respect to the coin deposit scheduled amount information. Sending the received deposit amount of the coin in association with the coin deposit scheduled amount information to the POS server;
(J) The coin deposit planned amount transmitted by the POS server and received by the POS server in the step (h) and the coin deposit amount transmitted by the POS server and received by the POS server. Determining whether or not they match, and if they match, sending the coin deposit information to the bank server. In the deposit acceptance method according to claim 7,
The bank server has an account contract master, and this account contract master stores, for each contractor, the presence or absence of a coin deposit contract that enables deposit by coin,
This method
(K) The ATM makes an inquiry to the account contract master of the bank server for the card information of the bank account of the predetermined account to be inserted into the card insertion unit, and the card information is a contractor of the account contract master. The receipt of payment, further comprising the step of determining that the steps (a) to (g) are performed when the data matches the data and the contractor data is a party having the coin deposit contract. Method. In the deposit acceptance method according to claim 7,
This method is performed to deposit the sales proceeds of the store into the predetermined account,
In the step (f), when there is a request from a computer of the store or a computer of a company having jurisdiction over the sales proceeds of the store, the bank server sends the data of the deposit data table to the store computer or the company computer. A method of accepting payment, characterized in that: In the deposit acceptance method according to claim 7,
In the step (d),
After the step (c), a coin deposit number receiving process for receiving a coin deposit number that the POS server associates with the bill deposit number and sends to the ATM;
And a printing process for printing the coin deposit scheduled amount information including the coin deposit number received in the coin deposit number receiving process. In the deposit acceptance method according to claim 7,
In the step (c),
A card information transmission process for reading the card information of the bank card of the predetermined account to be inserted into the ATM card insertion section and transmitting it to the bank server;
After the card information transmission process, a banknote deposit number receiving process for receiving the banknote deposit number that the bank server numbers and transmits to the ATM;
The deposit amount of the banknote deposited in the step (b) and the scheduled deposit amount received in the step (a) are associated with the banknote receipt number received in the banknote deposit number reception process, and A deposit acceptance method characterized by performing transmission processing to be transmitted to a server.

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