JP5509277B2 - Dedicated card processing server and processing method thereof - Google Patents

Description

  The present invention relates to a deposit-only card processing server and a processing method thereof in a bank system. In particular, the present invention relates to a deposit-only card processing server and a processing method thereof for notifying a deposit details when depositing in cash from an ATM using a deposit-only card.

  In banks, “services using a deposit-only card” are widely provided for corporate customers (see Non-Patent Document 1, for example). The “service using a deposit-only card” means that a bank issues a deposit-only card to each employee who collects cash from customers and business partners (hereinafter referred to as a collector) in a company. A person can use this deposit card from an ATM (Automated Teller Machine) such as a bank or convenience store to collect the collected proceeds into the deposit account of the company after the day of collection. Say. The sales proceeds, etc., deposited in the deposit-only account are automatically transferred to the fund management account designated by the company by nighttime batch processing or the like.

  First of all, the advantage of using the deposit-only card service is to reduce the risk of carrying cash, such as loss or theft while the collector is moving. Secondly, since a deposit-only card having a different card number is issued for each collector, confirmation of the deposit status for each collector becomes easy. Third, in principle, the proceeds received are automatically transferred to a cash management account on the next bank business day, so that the efficiency of funds can be improved.

Sumitomo Mitsui Banking Corporation, “Card Deposit Service”, [online], [Search July 30, 2012], Internet <URL: http://www.smbc.co.jp/hojin/eb/cardnyukin/index.html >

  However, the current deposit-only card service has the following problems. First, in some banks and some transactions, the amount deposited on the “use statement slip” (receipt) issued when depositing by ATM may not be printed due to the stamp tax. For this reason, since the collector cannot prove to the third party (for example, the accounting staff at the head office) how much money has actually been deposited, there are cases where trouble occurs later when there is a miscalculation.

  In addition, since many ATMs such as convenience stores cannot handle coins, it is not possible to accurately deposit cash with a sales amount of less than 1,000 yen. In this case, the collector is required to take measures such as rounding up the fractional amount, transferring money from a separately prepared change or his / her own money, and then paying out at the company later.

  Therefore, in the present invention, in view of the problems as described above, the amount of money deposited can be accurately determined without printing the amount of money deposited on the usage statement slip output by the ATM to the collector who uses the deposit-only card. The purpose is to provide a system that can prove to the three parties.

  In order to solve the above problems, the deposit-only card processing server of the present invention provides the following solution.

According to the first aspect of the present invention, the deposit details including the deposit amount are processed by the customer without processing the deposit using the deposit-only card from the ATM and printing the deposit amount on the use statement slip output by the ATM. A deposit-only card processing server, wherein the deposit-only card processing server stores a registered e-mail address associated with the number of the deposit-only card for each collector who uses the deposit-only card. A person registration DB; a deposit processing unit that creates a deposit statement including at least a deposit date and a deposit amount when the collector uses the deposit-only card from the ATM; and the registration of the collector A mail server linkage unit that reads an email address from the collector registration DB and transmits the payment details to the registered email address ;
When the deposit amount to be deposited includes a fractional amount less than 1,000 yen, the deposit processing unit calculates a sales amount by subtracting the fractional amount from the deposit amount, and is designated as a deposit-dedicated account of the deposit-only card. A fractional amount processing unit that generates a deposit request for causing the account system to deposit the sales amount as the first account number, the fractional amount as the second account number designated as the deposit-only account, respectively. It is further provided with the feature.

  According to the above configuration, since the usage details including at least the payment date and the deposit amount are notified by a regular email from the bank, the collector does not print the deposit amount on the usage statement slip from the ATM. In both cases, it is possible to easily prove the payment amount to a third party (accounting officer at the head office).

  In the invention according to claim 2, when a designated email address different from the registered email address of the collector is registered, the mail server linking unit includes one day for all the collectors in the designated email address. The payment details are sent together in one email.

  According to the above configuration, a designated e-mail address different from the collector's registered e-mail address is provided, and the daily payment details are sent to this designated e-mail address as a single e-mail instead of each deposit. This eliminates the need for accounting staff to check a large number of emails individually.

  The invention described in claim 3 is characterized in that the deposit-only card processing server uploads the deposit details for which the deposit process has been completed to a predetermined page of Internet banking.

  According to the above configuration, since the usage details are uploaded to a predetermined web page of Internet banking, the accounting staff of the company that is the contractor of the deposit-only card can receive the deposit even if it has not received the email notification of the deposit details The situation can be confirmed from this Web page.

  The invention described in claim 4 is characterized in that the deposit-only card processing server displays a two-dimensional code linked with the deposit details on the screen of the ATM.

  According to said structure, since the two-dimensional code which linked the usage details is displayed on the display screen of ATM at the time of payment, the displayed usage details are imaged from a payment work terminal. Thus, the usage statement data can be easily taken into the terminal.

The invention according to claim 5 processes the deposit using the deposit-only card from the ATM, and prints the deposit details including the deposit amount without causing the deposit amount to be printed on the use statement slip output by the ATM. A deposit-only card processing method, wherein the deposit-only card processing method is a method executed by a computer in a banking system, and for each collector who uses the deposit-only card, Storing a registered e-mail address associated with a number in a collector registration DB, and a deposit including at least a deposit date and a deposit amount when the collector uses the deposit-only card from the ATM Creating a statement and reading the registered email address of the collector from the collector registration DB and sending the deposit statement to the registered email address Have that stage, the step of creating the payment specification is, if it contains a fractional amount less than one thousand yen in the deposit amount to be credited, and calculate the sales amount obtained by subtracting the fractional amount of money from the entering amount of money, the payment Deposit for causing the account system to deposit the sales amount to the first account number designated for the deposit-only account of the dedicated card, and the fractional amount to the second account number designated for the deposit-only account Including a fractional value processing stage for generating the request .

  The invention described in claim 5 is an invention of a processing method in which any one of the computers in the bank system executes the deposit-only card processing server described in claim 1. The same effects as the invention are achieved.

  According to the present invention, for a collector who deposits from an ATM using a deposit-only card, the deposit details are proved to a third party without printing the deposit amount on a use statement slip output by the ATM. Can do.

It is a figure which shows the conceptual diagram of the bank system 100 which concerns on one Embodiment of this invention. It is a figure which shows the functional block of the deposit dedicated card processing server 10 in the bank system 100. FIG. It is the figure which represented typically the data stored in deposit-only card contract DB11 and collector registration DB12 in a table format. It is the figure which represented typically the data stored in deposit details DB13 in a table format. It is the figure which showed the processing flow which the deposit dedicated card processing server 10 performs. It is the figure which showed the processing flow which the payment process part 17 performs among the card | curd processing servers 10 only for payment. It is the figure which showed the example of a screen displayed on ATM200 at the time of inserting a deposit-only card in ATM200. It is the figure which showed the continuation of the example of a screen displayed on ATM200 when a deposit-only card is inserted in ATM200.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In addition, the same number or code | symbol is attached | subjected to the same element through the whole description of embodiment.

  FIG. 1 is a diagram showing a conceptual diagram of a bank system 100 according to an embodiment of the present invention. The actual bank system performs various processes, but the bank system 100 here (hereinafter referred to as the present system) shows only the portion related to the processing of the deposit-only card.

  When the collector attempts to deposit from the ATM 200 installed in the bank or convenience store using the deposit-only card, the deposit-only card processing server 10 in the bank system 100 is notified, and this server receives the deposit-only card contract. The deposit-only card contract DB 11 and the collector registration DB 12 storing the information are read out, and it is confirmed whether there is a deposit-only card service contract from the card number inserted in the ATM. When the existence of the contract is confirmed, the mail address of the deposit worker terminal 300 possessed by the collector is extracted from the collector registration DB 12 read out earlier.

  When the deposit is successfully performed, a deposit execution request including the deposit amount and the deposit-dedicated account number is transmitted to the account host computer 20 constituting the account system in the bank system 100, and the mail server 40 receives the collector. Send the deposit details to your registered email address. The deposit details include at least the deposit date and the deposit amount. Deposit worker terminal 300 may be a general mobile PC, a mobile phone, a smartphone, a tablet terminal, or the like, or may be a dedicated terminal lent to a collector.

  Usually, when transferring money from an ATM to an account, it is not notified that the money has been transferred to an e-mail address registered in the Internet banking or EB (Electronic Banking) system. This is because, although the ATM and the EB system are not currently linked, the transfer amount, the transfer date, etc. can be easily confirmed from the passbook or the usage statement slip output by the ATM. However, the situation is different for deposit-only accounts. A bankbook is not usually issued to a deposit-only account. In addition, in the case of some of the banks and some of the transactions described above, the payment amount is not printed on the usage statement slip. In other words, in such a case, the collector does not have a means to prove the contents of the deposit to a third party. Therefore, in this system, as a means by which the collector can accurately prove the deposit amount, deposit date, etc. to the accounting staff of the company, etc., an email containing the deposit details certified by the bank is sent to the collector's registered email address Like that. Of course, if necessary, it can be notified separately to the e-mail address of an accountant or the like.

  Further, the payment details are not only notified by e-mail but also stored in the payment details DB 13, and the payment details can be viewed at any time by the user of the EB system by the Web server 30.

  In this way, by making the payment details available via email and / or browsing from the Web page, the payment details are notified to the collector, etc. without printing the payment amount on the usage statement slip output by the ATM. can do. The collector can prove the contents of the deposit by showing this mail or Web page to a third party.

  FIG. 2 is a diagram showing functional blocks of the deposit-only card processing server 10. The deposit dedicated card processing server 10 is a core server of the present system. In addition to the databases DB 11, 12, and 13 described in FIG. 1, as a functional unit, a control unit 14, a card information receiving unit 15, an ATM screen control unit. 16, a deposit processing unit 17, a fractional amount processing unit 18, an account system linkage unit 19a, a mail server linkage unit 19b, and a Web server linkage unit 19c. Hereinafter, it demonstrates in order.

  The control unit 14 controls each functional unit and plays a role of linking the functional units. When the card information receiving unit 15 receives the card information including the card number inserted into the ATM 200, it is notified to the control unit 14, and the control unit 14 reads the collector registration DB 12 and the deposit-only card contract DB 11 and reads the read contract. Check whether the received card number is registered in the information. If the card number is registered, the control unit 14 continues the subsequent processing for the deposit-only card service. If not, the control unit 14 ends the processing, and other processing servers in the bank system 100 (not shown). )).

  If the deposit-only card number exists in the collector registration DB 12, the control unit 14 refers to the contract information read from the deposit-only card contract DB 11 and determines whether the “email notification service” that is an optional contract is specified. To check. If the mail notification service is designated, the mail address of the collector read out from the collector registration DB 12 is extracted.

  The ATM screen control unit 16 stores a plurality of screen information including various screen configurations and messages to be displayed on the ATM 200, and transmits necessary screen information to the ATM 200 according to instructions from the control unit 14, and information received from the ATM 200. Fulfills the function of passing

  The deposit processing unit 17 confirms the deposit amount collected by the collector in cash at the ATM 200, and if it is necessary to adjust the fractional amount less than 1,000 yen in the case of an ATM that cannot handle coins, the fraction processing unit 18 is provided. call.

  The fractional amount processing unit 18 requests the collector to input the fractional amount, calculates the actual “sales amount” by adjusting the fractional amount from the deposited amount, and returns the processing to the depositing processing unit 17. The deposit processing unit 17 displays the deposit details on the screen of the ATM 200 to allow the collector to confirm, and if confirmation is obtained, records the deposit details in the deposit details DB 13.

  When the confirmation of payment is completed, the control unit 14 passes the processing to the mail server cooperation unit 19b, and the mail server cooperation unit 19b reads the collected money previously read from the collector registration DB or newly input from the ATM 200. A mail including a payment statement is generated for a person's mail address and transmitted to the mail server 40. At this time, not only the mail address of the collector, but also a mail address such as a separately designated accounting staff or customer mail counting system can be added. It should be noted that one day's worth can be sent to a mail address of an accountant or the like as a single mail instead of every deposit, which will be described later.

  The control unit 14 may display the same payment details as the contents of the mail generated by the mail server cooperation unit 19b on the screen of the ATM 200 so that the collector can confirm it. Further, a two-dimensional code or the like is displayed on the screen, and the depositing person captures the two-dimensional code with the camera of the depositing worker terminal 300 so that the deposit details are taken into the depositing worker terminal 300. Good. This is effective when the deposit worker terminal 300 is a dedicated terminal and does not have a mail receiving function.

  Further, the control unit 14 passes the processing to the accounting system linkage unit 19a when the payment is confirmed by the collector, and the accounting system linkage unit 19a receives the information of the payment details created by the depositing processing unit 17. Based on this, a “deposit execution request” including the number of the deposit-dedicated account and the deposit amount is generated and transmitted to the account host computer 20. At this time, as will be described later, the deposit amount is divided into an actual sales amount and a fractional amount, and a deposit execution request for depositing into a separate deposit dedicated account is generated and transmitted.

  Further, the control unit 14 sends the processing to the Web server cooperation unit 19c when the account system cooperation unit 19a transmits the payment execution request or completes the payment execution request, and the Web server cooperation unit 19c After the completion confirmation, the information on the payment details recorded in the payment details DB 13 is uploaded to the customer browsing page managed by the Web server 30. By doing in this way, the accountant who can log on to the EB system can check the payment status for each collector without receiving an email. Of course, the collector itself may be able to log in to the EB system, but in this case, it is desirable that only the details of his / her deposit can be viewed.

  The functional configuration of the deposit-only card processing server 10 described above is merely an example, and one functional unit may be further divided, or a plurality of functional units may be configured as one functional unit. Good. In each functional unit, a CPU (Central Processing Unit) built in the computer reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk, and the computer program executed by the CPU is Reads and writes necessary data such as tables from a database (DB; Data Base) stored in a storage device or a storage area in memory, and in some cases, related hardware (for example, input / output devices, display devices, communication interfaces) This is realized by controlling the apparatus and the like. Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

  FIG. 3 is a diagram schematically showing data stored in the deposit-only card contract DB 11 and the collector registration DB 12 in a table format. The upper part of FIG. 3A shows the contents of the deposit-only card contract DB 11, and the lower part of FIG. 3B shows the contents of the collector registration DB 12.

  The deposit-only card contract DB 11 stores account information of a deposit-only account and a fund management account provided for each contract number of the deposit-only card service. Here, two account numbers can be provided in the deposit-only account. Account number 1 for depositing sales and the like and account number 2 for adjusting the fractional amount. The deposit balance of the day is automatically transferred to the fund management account from either account number of the deposit-only account by the batch processing at night. In this figure, the account number of the fund management account is shown as one. However, for management, two fund management accounts may be provided in association with the account number 1 and the account number 2 of the deposit dedicated account.

  In addition, the deposit-only card contract DB 11 stores, for each contract number, a “flag” indicating whether or not to apply the optional “mail notification service”. When this flag is “1”, an e-mail notification service is provided, and every time there is a deposit by the collector, the usage details of the deposit are notified to the email address registered for each collector.

  Although not shown in the figure, the deposit-only card contract DB 11 includes the contractor name, address, contact information of the contract representative, the maximum number of collectors, and the current number of registered collectors (the number of issued cards). Number of sheets) may be stored.

  The collector registration DB 12 is used when a deposit-only card number (card number) issued for each collector of a client company and an email notification service are applied for each contract number stored in the deposit-only card contract DB 11. Stores the mail address of the deposit worker terminal 300. At this time, the system can store a list of collectors and mail addresses in the collector registration DB 12 automatically or semi-automatically. Note that this email address is not necessarily the email address of the deposit worker terminal 300.

  The card number includes, for example, a 1-3 digit sales office code and a 4-6 digit collector code. Since the card number is engraved on the card, the number of digits is constant, so the correspondence between the sales office code and the collector code and the card number can be selected from several predetermined patterns. The figure shows a case where a 2-digit sales office code and a 5-digit collector code are employed (the card number is 7 digits).

  In the case of a customer who does not designate an e-mail notification service in a deposit-only card contract, all the e-mail address fields of the collector registration DB 12 are blank. In the contract, the mail notification service is specified, but if the mail address field is blank, the collector requests the registration of the mail address when using the deposit card. Assume that a mail collector with a predetermined character string (described later) in the mail address field does not wish to receive a mail notification, and does not send a mail notification. Of course, the collector will be able to change his email address. It is also possible to register a plurality of e-mail addresses for each collector.

  In this embodiment, the deposit-only card contract DB 11 is used for storing fixed contract information, and the collector registration DB 12 is used for storing variable contract information in order to cope with the increase / decrease of the collector and the change of the mail address. However, as another embodiment, a configuration in which both are integrated into one contract information DB may be adopted as another embodiment.

  FIG. 4 is a diagram schematically showing data stored in the deposit details DB 13 in a table format. FIG. 4A in the upper part shows the contents of the deposit-dedicated account details, and FIG. 4B in the lower part shows the contents of the fund management account details.

  Each time the collector collects money in the deposit-only account, the "Payment Date", "Payment Classification", "Money Amount", "Sales Amount", "Fractional Amount", "Transfer Client Code", " Stores "store". “Deposit date” preferably includes the time. The “payment category” is always “payment” because it deals with a transfer to a deposit-only account. The “deposit amount” is the amount that the collector actually deposits with cash using the ATM 200, and the “sales amount” is the amount obtained by subtracting the “fraction amount” from the “deposit amount”.

  The “fractional amount” is an amount less than 1,000 yen that is collected by a collector when using an ATM that cannot handle coins. For example, if the total amount of sales collected on that day is 9,800 yen, the collector collects the amount after rounding up the fractional amount. That is, in this case, the deposit amount is 10,000 yen, the sales amount is 9,800 yen, and the fractional amount is 200 yen. The collector will be refunded from the company later by the company for 200 yen.

  "Transfer client code" is a code that represents the sales office code described in Fig. 3 (b) with 4 digits and the collector code with 6 digits, expressed as "10 digits before right justification". is there. For example, when the sales office code is “77” and the collector code is “10001”, the transfer requester code is “0077010001”. With this transfer requester code, all collectors at all sales offices can be identified. The “handling store” is a code of an ATM installation store or the like where the collector has made a deposit operation.

  In this way, when this system is used, all details of the deposit are recorded for each collector, so if this can be viewed in a list from the Web, the accounting staff of the company can grasp the deposit status. It helps a lot. In addition, since the fractional amount changed by the collector can be displayed in a list, it can be used for the subsequent settlement of the fractional amount.

  FIG. 4B shows the contents of the fund management account details. In addition to the data included in the deposit-dedicated account statement, the “fee management account statement” stores “fee”, “ATM identification number”, and “transfer amount” to the fund management account for each day. “Fee” is a fee related to the deposit, but it cannot be deducted from the deposit-dedicated account, so the total amount of the fee for a predetermined period is deducted separately from the cash management account.

  The “ATM identification number” is an identifier uniquely assigned to each ATM, and is composed of 3 to 4 digits, an installation company code, and 6 to 7 digits. From the ATM identification number, it is also possible to determine the ATM installation location where the collector has deposited. It is desirable to be able to identify ATMs installed in places that do not have store numbers.

  FIG. 5 is a diagram showing a processing flow executed by the deposit-only card processing server 10. The following description assumes the case after the deposit-only card is inserted into the ATM 200. Further, hereinafter, the deposit-only card processing server 10 is simply abbreviated as “server 10”, and the ATM 200 is simply abbreviated as “ATM”.

  First, in step S10, the server 10 receives card information from the ATM. The card information includes the card number of the deposit-only card. When determining that the card inserted into the ATM is not a deposit-only card from the identifier indicating the card number or the card type included in the card information (step S11: N), the server 10 determines the general cash card of step S14. Delivered to the process, and ends the process itself.

  If it is determined that the inserted card is a deposit-only card (step S11: Y), the process proceeds to step S12, and the collector registration DB 12 is searched to check whether the card number is registered. Also, the contract number of the card in the deposit-only card contract DB 11 is checked. If the card number is registered in the collector registration DB 12 and the contract number is registered in the deposit-only card DB 11 (step S13: Y), the process proceeds to step S15. If the card is not registered, a message to that effect (for example, “a deposit-only card is not registered or has expired”) is transmitted to the ATM, and the process is terminated.

  Next, in step S15, the server 10 checks whether the e-mail address is registered in the registration information of the card read from the collector registration DB 12. If the e-mail address is not registered and the e-mail notification service of the deposit card contract DB 11 is “1”, a predetermined e-mail address registration screen is displayed (step S20), and the e-mail address is input to the collector. . Then, the new mail address input by the collector is written in the collector registration DB 12 (step S21). Here, it is assumed that a collector who does not wish to receive a mail notification inputs a predetermined character string (for example, “null@ne.jp”) as a mail address. This is because registration is required if left blank.

  In step S20, when the mail notification service is “0”, although not particularly illustrated, step S21 is skipped and the process jumps to step S22.

  If the e-mail address has already been registered (step S15: Y), an e-mail address confirmation screen is displayed on the ATM (step S16), and when a request for changing the e-mail address is received from the collector from that screen (step S17: Y) ), A predetermined mail address change screen is displayed (step S18). Then, the mail address after the change is written in the collector registration DB 12 (step S19).

  When the e-mail address does not need to be changed (step S17; N), when a new e-mail address is registered (step S21), or when an existing e-mail address is changed (step S19), the process moves to step S22. The deposit processing unit 17 performs an actual deposit process. The deposit process will be described with reference to FIG.

  In step S22, when the deposit process is completed, except for the case where the email notification service is “0”, the deposit details and the registered email address are notified to the mail server cooperation unit 19b, and the mail server cooperation unit 19b is registered. The e-mail address is sent to the e-mail server 40, and the e-mail including the deposit details is transmitted to the e-mail server 40 (step S23).

  Here, when there are a plurality of destination email addresses, for example, when one is a collector's address and the other is an address in charge of accounting at the head office, a huge amount of email is sent to the latter address every day. It will be. In order to avoid such a situation, as described above, the payment information for one day can be sent to the latter mail address in one mail. Specifically, the deposit details for each collector are temporarily stored in the mail server cooperation unit 19b, and the stored deposit details are stored in one copy at a predetermined time (for example, when ATM operation ends). A combined mail is generated and transmitted to the mail server 40. The e-mail addresses of the destinations to be sent in this way are assumed to be specified at the time of the contract, and the specified e-mail address is managed separately from the registered e-mail address for each collector (for example, a deposit-only card contract Stored in DB11).

  Returning to FIG. 5, in step S <b> 24, the server 10 writes the deposit details in the deposit details DB 13, further displays the deposit details on the ATM, and ends all the processes. The deposit details displayed on the ATM screen will be described later with reference to FIG.

  FIG. 6 is a diagram illustrating a processing flow executed by the deposit processing unit 17 and the fractional amount processing unit 18 of the deposit-only card processing server 10. This figure shows a detailed flow of the deposit acceptance process in step S22 of FIG. 7 and 8 show the flow of the screen displayed on the ATM in the deposit acceptance process. Hereinafter, FIG. 6, FIG. 7 and FIG. 8 will be described together. Note that the screens “201” to “206” in the following description correspond to the screen numbers shown in FIGS.

  First, in step S30, the deposit processing unit 17 displays a screen 201 for prompting the ATM to deposit (see FIG. 7 for the screen; the same applies hereinafter). When the collector enters the banknote into the ATM banknote slot (step S31: Y), the deposit confirmation screen 202 is displayed on the ATM (step S32). Here, when the collector presses the “confirm” button on the screen 202, a screen 203 asking whether or not rounding processing is necessary is displayed.

  If the collector presses “No” on the screen 203 (N in Step S33), the process jumps to Step S38 and generates a deposit execution request for depositing the deposited amount as it is into the account number 1 of the deposit dedicated account. This deposit execution request is later transmitted to the billing system host computer 20 by the billing system linkage unit 19a.

  If the collector presses “Yes” on the screen 203, it is determined that the fraction processing is necessary (step S33: Y), and the fractional amount input screen 204 is displayed on the ATM (step S34). When the collector completes the input on the screen 204 (step S35: Y), the process proceeds to step S36, where the fractional amount entered on the screen 204 is subtracted from the amount of money received as “sales amount”, and this sales amount is stored in the deposit-only account. A deposit execution request for causing the account number 1 to deposit the fractional amount to the account number 2 of the deposit dedicated account is generated. Thereafter, the process returns to step S23 of FIG. Note that the deposit execution request generated here is transmitted to the billing system host computer 20 later by the billing system linkage unit 19a as in step S38.

  In step S24 of FIG. 5, the deposit details are displayed on the ATM, which is shown in the screen 206 of FIG. The screen 206 is displayed on the ATM when payment processing, e-mail notification, and writing to the payment details DB 13 are all completed. As shown in the figure, the deposit details 206a displays information such as deposit date, time, deposit amount, fractional amount, sales amount, deposit fee, transfer requester code, and dealer number. An ATM identification number may be displayed.

  The payment details 206a shown on the screen 206 is of course sent to the registered e-mail address, but can also be viewed from the Web screen of the EB system if a predetermined service of the EB system is contracted. Further, when a two-dimensional code, specifically, for example, a QR code (registered trademark) 206b displayed at the bottom of the screen is captured by a camera such as the deposit worker terminal 300 possessed by the collector, it is displayed on this screen. The deposit details data can be taken into the deposit worker terminal 300 or the like. It is desirable from the viewpoint of preventing falsification that the payment details captured here are not text data but image data linked from a URL included in the two-dimensional code. Of course, similarly, image data instead of text data may be linked to the usage details notification mail.

  In this way, when this system is used, the payment details including the payment amount when depositing with the deposit-only card can be confirmed by various other methods without printing on the usage statement slip output from the ATM. This makes it possible for the collector to easily prove the fact of payment to a third party.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

10 Deposit-only card processing server 11 Deposit-only card contract DB
12 collector registration DB
13 Deposit Details DB
DESCRIPTION OF SYMBOLS 14 Control part 15 Card information receiving part 16 ATM screen control part 17 Deposit processing part 18 Fraction amount processing part 19a Account system cooperation part 19b Mail server cooperation part 19c Web server cooperation part 20 Account host computer 30 Web server 40 Mail server 100 Banking system 200 ATM
201-206 ATM display screen 206a Deposit details 206b Two-dimensional code 300 Deposit worker terminal

Claims (5)

A deposit-only card processing server that processes a deposit using a deposit-only card from an ATM and notifies the customer of the deposit details including the deposit amount without printing the deposit amount on a usage statement slip output by the ATM. There,
The deposit-only card processing server is
For each collector who uses the deposit-only card, a collector registration DB that stores a registered e-mail address associated with the number of the deposit-only card;
A deposit processing unit for creating a deposit statement including at least a deposit date and a deposit amount when the collector performs deposit using the deposit card from the ATM;
A mail server cooperation unit that reads out the registered email address of the collector from the collector registration DB, and transmits the deposit details to the registered email address;
Equipped with a,
When the deposit amount to be deposited includes a fractional amount less than 1,000 yen, the deposit processing unit calculates a sales amount by subtracting the fractional amount from the deposit amount, and is designated as a deposit-dedicated account of the deposit-only card. A fractional amount processing unit that generates a deposit request for causing the account system to deposit the sales amount as the first account number, the fractional amount as the second account number designated as the deposit-only account, respectively. A dedicated card processing server for depositing, further comprising:   When a designated email address different from the registered email address of the collector is registered, the mail server cooperation unit summarizes the payment details for one day for all the collectors into the designated email address in one email. The dedicated card processing server according to claim 1, wherein the deposit dedicated card processing server is transmitted.   The deposit-only card processing server according to claim 1, wherein the deposit-only card processing server uploads the deposit details for which the deposit process has been completed to a predetermined page of Internet banking.   2. The deposit-only card processing server according to claim 1, wherein the deposit-only card processing server displays a two-dimensional code linked with the deposit details on the screen of the ATM. A deposit-only card processing method for processing a deposit using a deposit-only card from an ATM and notifying the customer of the deposit details including the deposit amount without printing the deposit amount on a usage statement slip output by the ATM. There,
The deposit-only card processing method is:
A method performed by a computer in a banking system,
For each collector using the deposit-only card, storing a registered e-mail address associated with the deposit-only card number in the collector registration DB;
When the collector makes a deposit using the deposit-only card from the ATM, creating a deposit statement including at least a deposit date and a deposit amount;
Reading the registered email address of the collector from the collector registration DB and sending the deposit details to the registered email address ;
In the step of creating the deposit details, if the deposit amount to be deposited includes a fractional amount less than 1,000 yen, the sales amount is calculated by subtracting the fractional amount from the deposit amount, and the deposit-only account of the deposit-only card The amount of sales for the first account number specified in the above, the fractional amount for the second account number specified for the deposit-only account, and the amount of money for generating a deposit request for depositing the account system. Including processing stages,
A card processing method for deposit only.

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