JP5811254B2 - Cash management system and cash management method - Google Patents

Description

  The present invention relates to a cash management system and a cash management method that are communicably connected to a mobile communication terminal and a cash transaction apparatus, and in particular, a financial institution (such as a bank), a commercial facility (such as a convenience store or a supermarket), and a transportation facility (railway). The present invention relates to a cash management system and a cash management method for notifying cash excess / deficiency information generated in an automatic teller machine installed in a mobile communication terminal owned by a customer via a network.

2. Description of the Related Art Conventionally, a management operator that manages an automatic teller machine performs cash loading work due to lack of cash to an automated teller machine (ATM) and cash withdrawal work due to surplus cash.
A system that monitors cash surpluses and deficiencies in an automatic teller machine in real time, and a system that contacts a management company (management center) to respond if there is a need to notify the surplus or deficiency is disclosed ( Patent Documents 1 to 5).

JP 2000-207480 A JP 2007-041667 A JP 2009-163417 A JP 05-135253 A (paragraph [0029]) JP2003-256649A (paragraph [0025])

However, it is the management company that responds to the excess or deficiency of cash, and the management company moves to the place where the automatic cash transaction equipment where the excess or deficiency of cash has occurred is installed, cash loading work or cash withdrawal work Had to do.
In order to handle a large amount of cash stored in the automatic teller machine, this work is often performed by outsourcing such as a security company. At this time, since the cost is recorded for one operation (outing), there is a problem that the cost burden is large depending on the operation status of the automatic teller machine.
Moreover, there are many operational problems in cash management of an automatic teller machine installed outside the store, and in particular, there is a problem that the risk of cash transportation is large.

  The present invention has been made to solve the above-described problems, and provides a cash management system and a cash management method that suppress the occurrence of cash shortage, surplus, or both in an automatic transaction apparatus. This is the issue.

  In order to solve the above-described problem, the cash management system of the first invention manages the position information of the mobile communication terminal capable of acquiring the current position information and detects the cash excess / deficiency of the cash automatic transaction apparatus that detects the occurrence of cash excess / deficiency Management system for managing cash, ATM position information storage means in which the installation position information of the automatic teller machine is stored in advance, cash excess / deficiency occurrence information detected by the automatic teller machine, and automatic cash transaction thereof The portable communication terminal which acquires the installation position information of the apparatus and is located within a predetermined range from the detected installation position of the automatic teller machine using the current position information and the installation position information acquired from the portable communication terminal In response, the mobile communication terminal is notified of a notification message for prompting cash deposit transaction or withdrawal transaction for the detected automatic cash transaction apparatus. Characterized in that it comprises a control means for performing management.

According to this configuration, the cash management system detects a mobile communication terminal located in the vicinity of the automatic teller machine when the cash excess or deficiency occurs in the automatic teller machine, When there is a shortage, you can send information that prompts you to deposit cash to the mobile communication terminal, and when cash surplus occurs at the cash automatic transaction device, you can send information that prompts cash withdrawal to the mobile communication terminal can do.
This allows multiple customers who have mobile communication terminals to deposit cash into an automated teller machine in which there is a shortage of cash, or withdraw cash into an automated teller machine in which cash surplus has occurred Can be expected.

In the second aspect of the invention, the automatic cash transaction apparatus detects the occurrence of a shortage of cash, and the cash management system transmits a notification message that prompts a cash deposit transaction.
Thereby, it can be expected that a plurality of customers possessing the mobile communication terminal deposit cash into the cash automatic transaction apparatus in which a shortage of cash has occurred. Moreover, since it does not notify generation | occurrence | production of a cash surplus, since it tells that there is much cash to an automatic teller machine, the risk that the cash will be taken can be reduced.

On the other hand, in the third invention, the cash automatic transaction apparatus detects the occurrence of a cash surplus, and the cash management system transmits a notification message for prompting a cash withdrawal transaction.
Thereby, it can be expected that a plurality of customers possessing mobile communication terminals withdraw cash from the automatic cash transaction apparatus in which surplus of cash has occurred. In addition, since the automatic cash transaction apparatus does not detect the occurrence of a shortage of cash, the number of banknotes to be pre-deposited can be reduced with respect to the automatic cash transaction apparatus that is often charged with cash from customers. it can.

  According to the present invention, it is possible to suppress the occurrence of cash shortage, surplus, or both in the automatic transaction apparatus.

It is a figure which shows a cash excess and deficiency notification system provided with the cash management server which concerns on this invention. (A) It is an example of cash deposit / withdrawal request information displayed on a mobile communication terminal. (B) It is an example of the information which provides the incentive notified with cash deposit / withdrawal request information. It is a block diagram of the portable communication terminal which communicates with the cash management server concerning the present invention. It is a block diagram of ATM which communicates with the cash management server concerning this invention. It is a block diagram of the cash management server concerning the present invention. It is an example of the database of response policy DB. It is an example of the database of incentive provision history DB. It is a figure which shows the flow of a mutual process with the cash management server concerning this invention, a mobile communication terminal, and ATM. It is a figure which shows the flow of a mutual process with the cash management server concerning this invention, a mobile communication terminal, and ATM following FIG.

Next, embodiments of the present invention will be described in detail with reference to the drawings as appropriate.
Hereinafter, an embodiment of the present invention (hereinafter referred to as “the present embodiment”) will be described in detail with reference to the drawings. Each figure is only schematically showing the present invention. Therefore, the present invention is not limited to the illustrated example. Moreover, in each figure, the same code | symbol is attached | subjected about the common component and the same component, and those overlapping description is abbreviate | omitted.

<< Cash excess and deficiency notification system 1 >>
FIG. 1 is a block diagram of a cash excess / deficiency notification system including a cash management server. As shown in FIG. 1, a cash excess / deficiency notification system 1 (cash management system) includes a cash management server 2 and a mobile communication terminal 3 (3a, 3a, 3b, 3c, 3d,...) And an automatic teller machine 4 (4a, 4b,...) Such as ATM. Hereinafter, the automatic teller machine 4 is described as ATM4.
The cash management server 2 is connected to the mobile communication terminal 3 via the mobile phone communication network N1, and the cash management server 2 is connected to the ATM 4 via the dedicated line N2.

First, the outline of the present invention will be described.
In the cash excess / deficiency notification system 1, the ATM 4 notifies the cash management server 2 of the notification information when detecting that the cash excess / deficiency has occurred. The cash management server 2 determines the mobile communication terminal 3 (3a, 3a, 3a, 3a, 3) located within a predetermined distance range (within the area indicated by a broken line in FIG. 1) from the installation position of the ATM 4 from the current position information acquired in advance from each of the mobile communication terminals 3. 3b) is detected. And the cash management server 2 is a system which notifies cash deposit / withdrawal request information to the detected mobile communication terminal 3 (3a, 3b).
Thereby, by making the application created for this system resident in the portable communication terminal 3, for example, when cash excess / deficiency occurs in ATM22a which is ATM4a, cash deposit / withdrawal request information (in this example) In this case, payment request) is notified to the mobile communication terminal 3 (3a, 3b), and the display screen of the mobile communication terminal 3 (3a, 3b) displays “ATM22 machine” to the tummy as shown in FIG. "Please give me cash ..." is displayed. At this time, cash deposit / withdrawal request information is not notified to the mobile communication terminals 3c and 3d outside the predetermined distance range.

Further, in the cash surplus / deficiency notification system 1, the cash management server 2 provides cash deposit / withdrawal request information to the mobile communication terminal 3 (3a, 3b), and the cash surplus / deficiency status in the ATM 4 is changed according to FIG. As shown in (b), “If you receive a deposit now, you will receive a 100 yen gift. , And the customer of the notified mobile communication terminal 3a performs the deposit process or the withdrawal process based on the cash deposit / withdrawal request information to the ATM 4a of the corresponding ATM No. 22 (this In the case of the example, the cash management server 2 gives the incentive amount (100 yen) of the incentive notified to the account.

<Mobile communication terminal 3>
First, the mobile communication terminal 3 will be described.
FIG. 3 is a block diagram of the mobile communication terminal 3. As shown in FIG. 3, the mobile communication terminal 3 includes a control unit 31, a communication unit 32 connected to the cash management server 2 via the mobile phone communication network N1, a GPS (Global Positioning System) function unit 33, A storage unit 34 for storing a deposit / withdrawal request application program (hereinafter referred to as a deposit / withdrawal request AP) that provides cash deposit / withdrawal request information, a WEB browser, a display unit 35, and an input unit 36 are provided.

A customer possessing the mobile communication terminal 3 operates the input unit 36 to activate the deposit / withdrawal request AP. Thereby, the control unit 31 reads and activates the deposit / withdrawal request AP from the storage unit 34.
In response to the deposit / withdrawal request AP, the control unit 31 operates the GPS function unit 33 to acquire the current position at predetermined time intervals, and notifies the cash management server 2 of the current position (customer position information) via the communication unit 32. To do.
Moreover, the control part 31 displays the cash deposit / withdrawal request information (notification message) which the communication part 32 acquired from the cash management server 2 on the display part 35 by deposit / withdrawal request AP (refer Fig.2 (a)).
Furthermore, when the customer operates the input unit 36 and clicks “I am here” on the screen (see FIG. 2A) displayed on the display unit 35, the control unit is controlled by the deposit / withdrawal request AP. 31 reads a web browser from the memory | storage part 34, starts it, accesses the cash management server 2 (mobile WEB communication part 21), and acquires the WEB page containing map information. Then, the map information includes the ATM 4 position information (ATM position information) that is acquired from the cash management server 2 together with the cash deposit / withdrawal request information, and the current position (customer position information) acquired by the GPS function unit 33. Is displayed on the display unit 35 (see FIG. 2B). In addition, if the deposit / withdrawal request AP has acquired information for giving an incentive from the cash management server 2 together with the cash deposit / withdrawal request information, the control unit 31 also displays information for giving the incentive on the display unit 35 (FIG. 2). (See (b)).

<< ATM4 >>
Next, ATM4 will be described.
FIG. 4 is a block diagram of ATM4. As shown in FIG. 4, the ATM 4 performs an operation display unit 41 input by a customer, a card reader unit 42 that reads a bank card, a user authentication unit 43 that performs user authentication of a customer, and deposits and withdrawals of banknotes and coins. Cash deposit / withdrawal unit 44 to be handled, cash cassette unit 45 for storing deposited banknotes and coins, storage unit 46 for storing data and programs necessary for the ATM 4 to function, and cash via a dedicated line N2 A communication unit 47 connected to the management server 2; Since these are components included in a general device called ATM, description thereof is omitted.

  ATM4 is further provided with the cash balance detection part 48 installed in the cash cassette part 45, and the report information creation part 49 which creates report information.

(Cash balance detection unit 48)
The cash balance detection unit 48 is a sensor installed in the cash cassette unit 45. When the number of banknotes and coins stored in the cash cassette unit 45 satisfies a predetermined reporting condition, the reporting information is generated. This is a component that notifies the unit 49 of the number of sheets. This notification condition is information stored in advance in the storage unit 46.
That is, the cash balance here indicates the number of cash in the ATM 4, that is, the amount of cash, and the same applies to the following description.
In the case of banknotes, the cash cassette unit 45 is separate from a cassette unit that stores a thousand yen ticket, a cassette unit that stores a 5,000 yen ticket, and a cassette unit that stores a 10,000 yen ticket. Therefore, the cash balance detection part 48 is installed in each cassette part. Thereby, the cash balance detection part 48 can also notify the notification information preparation part 49 that only a 1000 yen ticket is insufficient, when only the number of 1000 yen tickets decreases.
The cash balance detection unit 48, for example, in a cassette unit (cash cassette unit 45) that stores a thousand yen ticket, the number of thousand yen tickets is 50% or less, 25% or less, 10% or less of the maximum number of sheets that can be stored. By satisfying each reporting condition, it is also possible to notify the reporting information creation unit 49 that only a thousand yen ticket is insufficient.
The cash balance detection unit 48 may be, for example, a sensor that detects that the thickness of the stored banknote is equal to or greater than a predetermined value, or a sensor that measures the weight of the cash cassette unit 45.
As for the condition for detecting surplus cash, the surplus of 1000 yen is surpassed by satisfying the respective reporting conditions such as 90% or more, 80% or more, 60% or more of the number of 1000 yen, as described above. It is also possible to notify the notification information creating unit 49 of the fact.

(Notification information creation part 49)
The reporting information creation unit 49 creates reporting information indicating the occurrence of excess or deficiency in cash according to the number of sheets notified from the cash balance detection unit 48, and sends the reporting information to the cash management server 2 via the communication unit 47. It is the component which transmits. At this time, an ATM ID for identifying ATM 4 is also transmitted together with the notification information. This ATMID is information stored in advance in the storage unit 46.
For example, in a cassette unit (cash cassette unit 45) that stores a thousand yen ticket, the number of thousand yen tickets is 50% or less, 25% or less, and 10% or less of the maximum number of sheets that can be stored. Create reporting information.

<< Cash Management Server 2 >>
Next, the cash management server 2 according to the present invention will be described.
FIG. 5 is a block diagram of the cash management server 2. As shown in FIG. 5, the cash management server 2 is connected to the mobile web communication unit 21 connected to the mobile communication terminal 3 via the mobile phone communication network N1, the ATM 4 and the dedicated line N2, and is connected to the ATM 4 inside. ATM cash management unit 22 that manages cash, a tweet management unit 23 that creates cash deposit / withdrawal request information, a customer location management unit 24 that manages customer location information transmitted from the mobile communication terminal 3, and an incentive to customers An incentive grant management unit 25 that manages the granting of ATMs, an ATM location management unit 26 that manages ATM4 location information (ATM location information), and a bill host unit 27 that executes transaction processing performed in ATM4.

(Mobile WEB communication unit 21)
The mobile WEB communication unit 21 is a component that is connected to the mobile communication terminal 3 via the mobile phone communication network N1, and provides a mobile WEB site.

(ATM Cash Management Department 22)
The ATM cash management unit 22 is a component that is connected to the ATM 4 via the dedicated line N2 and determines the response to the notification information from the ATM 4. An ATM communication unit 221, a response policy DB 222, and a response determination unit 223 are provided.

(ATM communication unit 221)
The ATM communication unit 221 is a component that is connected to the ATM 4 via the dedicated line N2.

(Correspondence policy DB222)
FIG. 6 is an example of the database of the response policy DB. As shown in FIG. 6, the response policy DB 222 includes a “situation” corresponding to the alert information, a “situation ID” for identifying the situation, and a “response policy” and an “incentive” set for each of the “situations”. “Amount” is stored in advance in association with each other. For example, when the “situation ID” is “0001”, the “situation” is “less than 50% of banknotes remaining”. In other words, when the number of bills is 50% or less of the maximum number of sheets that can be stored, a notification condition is sent to the customer's mobile communication terminal 3 to be described later as a “response policy”. “Mutter” and “50 yen” as “incentive amount” are stored as notification information. Further, when the “situation ID” is “0003”, the “situation” is “less than 10% of banknotes remaining”. In other words, when the number of banknotes is 10% or less of the maximum number of sheets that can be stored, the “reaction policy” is a request for cash replenishment so that the security company replenishes the insufficient banknotes. And “150 yen” as “incentive amount” as the alert information is stored as a request to respond to a tweet from the customer.
In addition, when the cash is surplus, in the “situation”, the respective alerting conditions such as 90% or more, 80% or more, 60% or more of the maximum number of bills that can be stored are stored, and are associated with each other in advance. “Response policy” and “Incentive amount” may be stored. “Response policy” includes “customer tweeting” and a security company requesting cash collection requests to collect surplus banknotes, and also requiring customers to respond to tweeting. "Is stored.

(Correspondence determination unit 223)
The correspondence determination unit 223 is a component that obtains the notification information transmitted from the ATM 4 and compares the data with the data in the correspondence policy DB 222 to determine the correspondence policy and the incentive amount.
The correspondence determination unit 223 acquires the report information via the tweet management unit 23 (report information acquisition unit 231). For example, the report information may be information that “the remaining thousand yen bills are 25% or less”. For example, the corresponding situation information is acquired using the response policy DB 222. For example, in the case of the handling policy DB 222 shown in FIG. 6, “situation” of “banknotes remaining is 25% or less” corresponds. “Tweet to customer” of “response policy” corresponding to this “situation”, “100 yen” of “incentive amount”, and “0002” of “situation ID” are acquired.
The correspondence determining unit 223 outputs the acquired information to the tweet management unit 23 (the deposit / withdrawal request processing unit 232) as a result of the correspondence determination of the report information. Thereby, the situation ID, the response policy, and the incentive amount are output as the result of the response determination.

(Customer location management unit 24)
The customer location management unit 24 is a component that accumulates customer location information periodically received from the mobile communication terminal 3 and extracts customers located within a designated distance range from a designated location. The customer location management unit 24 includes a customer location acquisition unit 241, a customer location information DB 242, and a customer extraction unit 243.

(Customer location acquisition unit 241)
The customer location acquisition unit 241 acquires the customer location information transmitted from the mobile communication terminal 3 via the mobile WEB communication unit 21 and newly acquires the customer location information stored in the customer location information DB 242. This is a component that is rewritten (updated) by

(Customer location information DB 242)
The customer location information DB 242 includes a customer ID for identifying a customer, address information (for example, an e-mail address) capable of transmitting data to the mobile communication terminal 3 possessed by the customer, and a customer transmitted from the mobile communication terminal 3 It is a component that stores positional information in association with each other. Hereinafter, in the present embodiment, this customer ID will be described as an account number of an account opened by a customer at a financial institution.

(Customer extraction unit 243)
The customer extraction unit 243 acquires ATM position information and a predetermined distance range from the tweet management unit 23 (the deposit / withdrawal request processing unit 232), and is associated with customer position information that falls within the predetermined distance range from the ATM position. The customer ID and address information are extracted from the customer location information DB 242.
Further, the customer extraction unit 243 outputs the extracted customer ID to the incentive provision management unit 25, and determines whether or not incentive provision is possible for the customer with the customer ID. If the grant is possible, the customer extraction unit 243 outputs the grant permission information to the deposit / withdrawal request processing unit 232 together with the customer ID and address information.

(Incentive Granting Management Unit 25)
The incentive grant management unit 25 is a component that determines whether a customer satisfies a condition that allows the incentive to be granted, and includes an incentive grant history DB 251 and an incentive grant determination unit 252.

(Incentive grant history DB 251)
FIG. 7 is an example of a database of the incentive grant history DB. As shown in FIG. 7, the incentive grant history DB 251 stores a customer ID for identifying a customer, an incentive grant flag, a date and time, an incentive amount, and an ATM ID in association with each other. The date and time is the date and time when the incentive is given.

(Incentive provision determination unit 252)
The incentive grant determination unit 252 determines whether or not the customer can receive the incentive in order to prevent unauthorized acquisition of the incentive by repeating the deposit / withdrawal transaction at a specific ATM (whether or not the incentive can be granted). It is a component that determines

The incentive provision determination unit 252 receives an incentive provision determination instruction from the customer position management unit 24 (customer extraction unit 243), acquires the customer ID input together with the incentive provision determination instruction, and the customer ID is the incentive provision history DB 251. It is determined whether or not it is stored. If not stored, it is determined that an incentive can be granted. On the other hand, if the customer ID is stored in the incentive grant history DB 251, whether or not the incentive grant history DB 251 can acquire incentive grant history information associated with the customer ID and grant the incentive. Determine whether.
If the incentive provision determining unit 252 determines that incentive provision is possible, the incentive provision determining unit 252 outputs incentive grantable information to the customer position management unit 24 (customer extracting unit 243).

In this embodiment, for example, the “incentive grant flag” is “grant” and the “date and time” is within a predetermined time from the current time (within the incentive block period). ), It is determined that the grant is prohibited.
Here, the incentive block period is 24 hours and will be described with reference to FIG. The customer with the customer ID “1112222” is determined to give an incentive until 12:34 on October 26, 2010, 24 hours after the date and time when the previous incentive was granted (October 25, 2010, 12:34). The part 252 does not determine that the incentive can be given.

  Other judgment methods include setting an upper limit on the total amount of “incentive amount” granted, and even if “date and time” is within a predetermined time (within the incentive block period) from the current time, “incentive amount” If the total amount is less than a predetermined amount, a method of determining that the grant is possible may be used. Moreover, when it is the transaction performed by "ATMID" different from ATM (ATMID) which provided incentive previously, you may determine with granting.

(ATM location manager 26)
The ATM location management unit 26 is a component that includes an ATM location information DB 261 that stores ATM 4 location information (ATM location information).

(ATM position information DB 261)
The ATM position information DB 261 stores “ATM ID” for identifying ATM 4 (4a, 4b,...) And “ATM position information” indicating the installation position of each ATM 4 in association with each other.
When the deposit / withdrawal request processing unit 232 makes an inquiry to the ATM location management unit 26 in order to know the ATM installation location, the ATM location management unit 26 assigns an ATM ID that matches the inquired ATM ID to the ATM location information DB 261. To obtain “ATM position information” associated with the ATM ID.

(Tweet management unit 23)
The tweet management unit 23 receives notification information from the ATM 4 (occurrence of excess or deficiency in cash) and creates a notification message that prompts a customer in the vicinity of the ATM 4 to conduct a deposit / withdrawal transaction at the ATM 4. This is a configuration unit that causes the mobile WEB communication unit 21 to transmit. The tweet management unit 23 includes a notification information acquisition unit 231, a deposit / withdrawal request processing unit 232, a notification message creation unit 233, a notification message transmission history DB 234, a WEB page creation unit 235, and an incentive provision authorization unit 236. Is provided.

(Notification Information Acquisition Unit 231)
When the alert information acquisition unit 231 acquires the alert information transmitted from the ATM 4 via the ATM communication unit 221, the alert information acquisition unit 231 outputs the alert information to the correspondence determination unit 223, and sends it to the correspondence determination unit 223. It is a component which requests the correspondence determination of notification information.

(Deposit / withdrawal request processing unit 232)
The deposit / withdrawal request processing unit 232 acquires (1) the result of the correspondence determination of the notification information from the correspondence determination unit 223, and (2) the location information (4) of the ATM 4 that has transmitted the notification information from the ATM location information DB 261 ( (3) Acquire customer location information, etc., of customers that can be given incentives from the customer location management unit 24. (4) Obtained information (result of correspondence determination, ATM location information) , Customer location information) is output to the notification message creation unit 233.

<Processing of (1)> First, the deposit / withdrawal request processing unit 232 acquires the result of the correspondence determination of the notification information from the correspondence determination unit 223. At this time, the situation ID, the response policy, and the incentive amount are acquired as a result of the response determination.
<Process (2)> Furthermore, the deposit / withdrawal request processing unit 232 acquires the ATMID given to the notification information, and stores the ATM4 location information (in association with the ATMID stored from the ATM location information DB 261) ( ATM position information) is acquired. Then, the deposit / withdrawal request processing unit 232 outputs a predetermined distance range set in advance and ATM location information to the customer location management unit 24.

Thereby, the customer location management unit 24 lists customers located within a predetermined distance range from the location indicated by the ATM location information (installation location of ATM 4), and the address of the mobile communication terminal 3 possessed by the customer. The information and the customer position information are output to the deposit / withdrawal request processing unit 232.
At this time, the customer location management unit 24 provides the customer information listed in the incentive provision management unit 25. The incentive grant management unit 25 refers to the incentive grant history DB 251 and determines whether or not incentive grant is possible for the customer. The customer location manager 24 acquires the incentive grant determination result from the incentive grant manager 25 and outputs it to the deposit / withdrawal request processor 232 together with the address information and the customer location information.

<Processing of (3)> The deposit / withdrawal request processing unit 232 receives from the customer location management unit 24 address information and customer location information of the mobile communication terminal 3 possessed by a customer located within a predetermined distance range from the ATM location information. The incentive grant determination result is acquired.
<Processing (4)> The deposit / withdrawal request processing unit 232 outputs the information acquired in the processes (1) to (3) to the notification message creating unit 233. As a result, the result of correspondence determination (situation ID, correspondence policy, incentive amount), ATM location information, address information, customer location information, and the like are output.

(Notification message creation unit 233)
Using the information acquired from the deposit / withdrawal request processing unit 232, the notification message creating unit 233 creates cash deposit / withdrawal request information (notification message) in a format that can be displayed on the mobile communication terminal 3,
This is a configuration unit that causes the mobile WEB communication unit 21 to transmit a notification message.
For example, the notification message creation unit 233 receives a result of correspondence determination (situation ID, correspondence policy, incentive amount) from the deposit / withdrawal request processing unit 232, address information and customer location information of the mobile communication terminal 3 possessed by the customer, ATM location Get information.

Next, the notification message creation unit 233 creates a notification message based on the result of the correspondence determination. For example, if the response policy is “tweet to customer”, cash deposit / withdrawal request information with a sentence content of “I am hungry, please cash ...” is created. This cash deposit / withdrawal request information is created in a format displayed on the display unit 35 of the mobile communication terminal 3 by software activated by the deposit / withdrawal request AP installed in the mobile communication terminal 3. The notification message creation unit 233 creates a notification message including the cash deposit / withdrawal request information using the address information acquired from the deposit / withdrawal request processing unit 232 as a destination, and transmits the notification message to the mobile WEB communication unit 21. Thereby, the cash deposit / withdrawal request information as shown in FIG. 2A is displayed on the display unit 35 of the mobile communication terminal 3 that has received the message.
If the notification message to be created is as described above, it will be a friendly expression, but it may be clerical text content such as "There is not enough cash at your local ATM". . Alternatively, which expression is preferred for each customer may be registered in the cash management server 2 in advance, and the notification message creation unit 233 may create the cash deposit / withdrawal request information with text contents that are different for each customer.

(Notification message transmission history DB 234)
The notification message transmission history DB 234 is a configuration unit that stores transmission history information indicating that the notification message creation unit 233 has created a notification message and has transmitted it to the mobile WEB communication unit 21. In the notification message transmission history DB 234, at least a customer ID, an ATM ID, a message ID, and a transmission time when the notification message is transmitted to the mobile communication terminal 3 are stored in association with each other.
The date and time when the cash management server 2 sends a notification message to the customer of the customer ID to give an incentive by performing a transaction corresponding to the message ID (payment transaction / withdrawal transaction) to the ATM 4 of the ATM ID based on the transmission history information. I understand.

(WEB page creation unit 235)
The WEB page creation unit 235 receives a request from the mobile communication terminal 3 and cooperates with a map service on the Internet, and the current location of the customer (customer location information) and the location of the automated teller machine (ATM location information). ), A WEB page in which the content of the notification message (text content, etc.), the incentive content (incentive amount), and the like are created, and the WEB page is transmitted to the requested mobile communication terminal 3.
The WEB page creation unit 235 creates a WEB page when the customer ID and the message ID are acquired from the mobile communication terminal 3 via the mobile WEB communication unit 21.

(Incentive Granting Authority 236)
The incentive granting authorization unit 236 refers to the transaction history information stored in the transaction history DB 272 included in the account host unit 27 described later and the transmission history information stored in the notification message transmission history DB 234 at the timing when the closing is executed. Thus, it is a component that certifies customers who have the right to receive incentives among the customers who have made transactions.
This incentive granting authorization unit 236 determines whether or not the cash management server 2 has transmitted a notification message to the customer with the customer ID to give the incentive by performing a transaction (payment transaction / withdrawal transaction) to ATM4 of the ATMID. It is determined whether or not a transaction corresponding to the message ID has been performed within the time. If the transaction has been performed, it is determined that the customer with the customer ID has the right to receive the incentive, and the customer ID is output to the account host unit 27 (incentive grant execution unit 273). Thereby, in order for a customer to receive an incentive, an illegal transaction in which a deposit transaction and a withdrawal transaction are repeated many times at ATM 4 cannot be performed.

(Account Host Department 27)
The account host unit 27 includes a transaction information acquisition unit 271, a transaction history DB 272, and an incentive provision execution unit 273.

(Transaction information acquisition unit 271)
The transaction information acquisition unit 271 is a component that acquires information (such as a deposit transaction or a withdrawal transaction) about a transaction performed at the ATM 4 from the ATM cash management unit 22 and stores it in the transaction history DB 272.

(Transaction history DB 272)
The transaction history DB 272 is a component included in a general cash management server 2 that manages ATM4. The transaction history DB 272 includes at least a customer ID of a customer who has made a transaction, and a customer such as a deposit transaction and a withdrawal transaction. Are stored, the ATM ID of the ATM 4 that performed the transaction, and the date and time information when the transaction was performed.

(Incentive grant execution unit 273)
The incentive grant execution unit 273 is a component that grants an incentive amount to the bank account corresponding to the customer ID acquired from the incentive grant authorizing unit 236 (customer ID of the customer who has been granted incentive grant).

The cash management server 2 has a CPU (Central Processing Unit), R (not shown).
It can be configured by a general computer including an OM (Read Only Memory), a RAM (Random Access Memory), an HDD (Hard Disc Drive), and the like, and can be realized by a program that causes the computer to function as each means described above. it can.

The ATM communication unit 221, the response policy DB 222, the notification message transmission history DB 234, the customer location information DB 242, the incentive grant history DB 251, and the transaction history DB 272 shown in FIG. 5 are hardware resources. It is a memory | storage part to memorize | store.
In addition, a correspondence determination unit 223, a notification information acquisition unit 231, a deposit / withdrawal request processing unit 232, a notification message creation unit 233, a WEB page creation unit 235, an incentive provision authorization unit 236, a customer position acquisition unit 241, a customer extraction unit 243, The incentive provision determination unit 252, the transaction information acquisition unit 271, and the incentive provision execution unit 273 are realized by executing a program on the CPU (control unit).

  The cash management server 2 includes a mobile WEB communication unit 21, an ATM cash management unit 22, a tweet management unit 23, a customer location management unit 24, an incentive grant management unit 25, an ATM location management unit 26, and an account host unit 27. The servers may be independent from each other, and the servers need only be connected via a LAN (Local Area Network) or the like so that data can be transmitted and received.

  As described above, when the customer having a bank account is in the vicinity of the ATM 4 where the shortage of cash occurs, the cash management server 2 sends the cash to the ATM 4 to the mobile communication terminal 3 with a GPS function possessed by the customer. A notification message that prompts the user to deposit can be sent. Moreover, the cash management server 2 can also give a privilege (incentive) to the customer.

According to this embodiment, the cash management server 2 is a GP owned by a customer who has a bank account.
It is connected to the mobile communication terminal 3 with S function via a network (mobile phone communication network N1). By registering information (address information) that enables data transmission to the mobile communication terminal 3 in advance in the cash management server 2 in advance, for example, in the vicinity of an ATM 4 (automatic cash transaction apparatus) where a shortage of cash occurs The cash management server 2 can transmit a notification message for prompting cash payment to the ATM 4 to the mobile communication terminal 3 possessed by the customer who is present. Thereby, it can be expected that the customer deposits cash into the ATM 4 where the shortage of cash occurs.
In this way, a plurality of customers possessing the mobile communication terminal 3 deposits cash into the ATM 4 in which cash shortage has occurred, or withdraws cash into the ATM 4 in which cash surplus has occurred. The number of occurrences of cash deficiency can be reduced.

In addition, it can be expected that a plurality of customers having bank accounts will deposit or withdraw ATM4 where cash shortage has occurred. Therefore, the management company (bank) of ATM4 can reduce the risk of transporting a large amount of cash to the place where ATM4 is installed in order to eliminate cash deficiency. In addition, since the number of times that the outsource such as a security company requests transportation of cash can be reduced, the cost for the outsource can also be reduced.
In addition, although it is set as excess and deficiency of cash in an Example, you may respond | correspond to the process only at the time of deficiency of cash. In this case, since the ATM 4 only notifies that the cash is insufficient, the number of cash replenishment requests to the security company can be reduced. Moreover, you may respond | correspond only to the process at the time of the surplus of the cash balance. In this case, since the ATM 4 only notifies that the cash is surplus, the number of cash collection requests to the security company can be reduced. For example, from a crime prevention point of view, the response policy DB 222 stores information requesting a response to only a cash collection request to the security company in the “response policy” at the time of cash surplus. By not tweeting, it is possible not to inform the customer that the cash is accumulated, but to operate the customer only to notify the cash shortage.

<< Flow of mutual processing between cash management server, mobile communication terminal and ATM >>
8 and 9 are diagrams showing a flow of mutual processing between the cash management server, the portable communication terminal, and the ATM according to the present invention (refer to FIGS. 1 to 7 as appropriate).
First, the customer operates the mobile communication terminal 3 to activate an application (payment / withdrawal request AP) (S101, FIG. 8). The mobile communication terminal 3 periodically transmits the customer ID and customer location information to the cash management server 2 (S102).
The customer location management unit 24 included in the cash management server 2 acquires the customer ID and the customer location information via the mobile WEB communication unit 21, and stores the customer location information stored in the customer location information DB 242 in correspondence with the customer ID. Update (S103).

  The cash balance detection unit 48 detects that the cash stored in the cash cassette unit 45 included in the ATM 4 is less than a predetermined number (S201). The bulletin information creation unit 49 creates bulletin information and transmits the bulletin information to the cash management server 2 via the communication unit 47 (S202). At this time, the ATM 4 also transmits an ATM ID for identifying the ATM 4 stored in the storage unit 46 to the cash management server 2.

  The tweet management unit 23 included in the cash management server 2 acquires the notification information via the ATM cash management unit 22 (S203). The tweet management unit 23 (report information acquisition unit 231) requests the ATM cash management unit 22 to determine correspondence of the report information (S204). The ATM cash management unit 22 (correspondence determination unit 223) executes a correspondence determination (S205), and returns a response determination result to the tweet management unit 23 (payment / withdrawal request processing unit 232) (S206). Next, the tweet management unit 23 (the deposit / withdrawal request processing unit 232) transmits the ATM ID to the ATM location management unit 26 and requests ATM location information (S207). The ATM location management unit 26 acquires ATM location information corresponding to the ATM ID from the ATM location information DB 261, and outputs the ATM location information to the tweet management unit 23 (the deposit / withdrawal request processing unit 232) (S208).

  Next, the tweet management unit 23 (the deposit / withdrawal request processing unit 232) outputs ATM location information to the customer location management unit 24 (S209). The customer location management unit 24 (customer extraction unit 243) extracts customer location information, customer ID, and address information within a predetermined distance range from the customer location information DB 242 (S210), and the customer location management unit 24 (customer extraction unit 243). ) Makes an incentive determination request to the incentive provision management unit 25 (S211). The incentive grant management unit 25 (incentive grant determination unit 252) refers to the incentive grant history DB 251 to perform incentive grant determination (S212), and acquires the customer ID of the customer determined to be able to grant incentive. The incentive provision determination result is output to the customer location management unit 24 (customer extraction unit 243) (S213). Thereby, the customer location management unit 24 (customer extraction unit 243) sends the customer ID determined to be incentive grantable, the customer location information and the address information to the tweet management unit 23 (payment / withdrawal request processing unit 232). Output (S214).

  The tweet management unit 23 (notification message creation unit 233) uses the information acquired from the ATM cash management unit 22, the customer location management unit 24, and the ATM location management unit 26 to provide a notification message in a format that can be displayed on the mobile communication terminal 3. (Cash deposit / withdrawal request information) is created (S215, FIG. 9). The tweet management unit 23 (notification message creation unit 233) transmits a notification message to the mobile communication terminal 3 via the mobile WEB communication unit 21 (S216). Thereby, cash deposit / withdrawal request information is displayed on the display unit 35 of the mobile communication terminal 3 (see FIG. 2). Also, the tweet management unit 23 (notification message creation unit 233) updates the notification message transmission history DB 234 (S217).

The customer operates the mobile communication terminal 3 and selects “I am here” (see FIG. 2), whereby ATM is selected (S218). The mobile communication terminal 3 transmits a WEB page transmission request to the cash management server 2 as a response to the notification message received from the tweet management unit 23 (notification message creation unit 233) (S219).
The tweet management unit 23 (WEB page creation unit 235) acquires a WEB page transmission request via the mobile WEB communication unit 21, creates a WEB page (S220), and creates a WEB page via the mobile WEB communication unit 21. Is transmitted to the mobile communication terminal 3 (S221). Thereby, the WEB page is displayed on the display unit 35 of the mobile communication terminal 3 (see FIG. 3).

  The customer deposits cash into the corresponding ATM 4 according to the map information displayed on the display unit 35 of the mobile communication terminal 3 (S222). Operated by the customer, ATM 4 performs a deposit transaction with ATM cash management unit 22 (S223). Thereby, the ATM cash management unit 22 outputs the deposit transaction information to the account host unit 27 (S224), and the account host unit 27 (the transaction information acquisition unit 271) stores the deposit transaction information in the transaction history DB 272. (S225).

  The account host unit 27 (incentive granting execution unit 273) requests a customer ID for which incentive granting has been certified by the tweet management unit 23 (incentive granting certification unit 236) at the closing timing (S301). The tweet management unit 23 (incentive granting authorization unit 236) refers to the notification message transmission history DB 234 and the transaction history DB 272 and performs incentive granting authorization determination (S302). Then, the customer ID approved for incentive is output to the account host unit 27 (incentive grant execution unit 273) (S303). As a result, the account host unit 27 (incentive grant execution unit 273) grants an incentive for the amount corresponding to the bank account corresponding to the customer ID (S304).

1 Cash excess / deficiency notification system 2 Cash management server 3 Mobile communication terminal 4 ATM (automatic cash transaction apparatus)
DESCRIPTION OF SYMBOLS 21 Mobile WEB communication part 22 ATM cash management part 23 Tweet management part 24 Customer position management part 25 Incentive grant management part 26 ATM position management part 27 Account host part 31 Control part 32 Communication part 33 GPS function part 34 Storage part 35 Display part 36 Input unit 41 Operation display unit 42 Card reader unit 43 User authentication unit 44 Cash deposit / withdrawal unit 45 Cash cassette unit 46 Storage unit 47 Communication unit 48 Cash balance detection unit 49 Alert information creation unit 221 ATM communication unit 222 Correspondence policy DB
223 Correspondence determination unit 231 Alert information acquisition unit 232 Deposit / withdrawal request processing unit 233 Notification message creation unit 234 Notification message transmission history DB
235 WEB page creation part 236 Incentive granting authorization part 241 Customer position acquisition part 242 Customer position information DB
243 Customer Extraction Unit 251 Incentive Grant History DB
252 Incentive Granting Determination Unit 261 ATM Location Information DB
271 Transaction Information Acquisition Unit 272 Transaction History DB
273 Incentive grant execution part N1 Mobile phone communication network N2 Dedicated line

Claims (9)

It is a cash management system that manages the position information of a mobile communication terminal that can acquire current position information and manages the state of cash of an automatic teller machine that detects the occurrence of cash excess and deficiency,
ATM position information storage means in which installation position information of the automatic teller machine is stored in advance;
The cash excess / deficiency occurrence information detected by the automatic teller machine and the installation position information of the automatic teller machine are acquired, and the detected cash is acquired using the current position information and the installation position information acquired from the mobile communication terminal. Processing for notifying the mobile communication terminal of a notification message for prompting a cash deposit transaction or a withdrawal transaction for the detected cash automatic transaction apparatus to the mobile communication terminal located within a predetermined range from the installation position of the automatic transaction apparatus A cash management system comprising: It is a cash management system that manages the position information of a mobile communication terminal that can acquire current position information and manages the state of cash of an automatic teller machine that detects the occurrence of cash shortage,
ATM position information storage means in which installation position information of the automatic teller machine is stored in advance;
The cash shortage occurrence information detected by the automatic teller machine and the installation position information of the automatic teller machine are acquired, and the detected cash automatic is obtained using the current position information and the installation position information acquired from the mobile communication terminal. Control means for performing a process of notifying the mobile communication terminal of a notification message for prompting a cash deposit transaction for the detected cash automatic transaction apparatus to the mobile communication terminal located within a predetermined range from the installation position of the transaction apparatus; A cash management system comprising: A cash management system that manages the position of a mobile communication terminal that can acquire current position information and manages the cash state of an automatic teller machine that detects the occurrence of cash surplus,
ATM position information storage means in which installation position information of the automatic teller machine is stored in advance;
The cash surplus generation information detected by the automatic teller machine and the installation position information of the automatic teller machine are acquired, and the detected cash automatic is obtained using the current position information and the installation position information acquired from the mobile communication terminal. Control means for performing a process of notifying the mobile communication terminal of a notification message for prompting a cash withdrawal transaction to the detected cash automatic transaction apparatus for the mobile communication terminal located within a predetermined range from the installation position of the transaction apparatus A cash management system comprising: Information for identifying the customer who owns the mobile communication terminal, and customer information storage means in which a customer ID that is the account number of the customer is stored in advance;
A notification message creating means for generating the notification message including information for prompting a deposit / withdrawal transaction in the detected automatic teller machine;
A notification message transmission history storage unit for storing a notification message transmission history including the customer ID of the transmission destination of the notification message and ATM identification information of the detected automatic teller machine;
Transaction history storage means for storing a transaction history including the customer ID of a customer who has made a deposit / withdrawal transaction by operating the detected cash automatic transaction apparatus and ATM identification information of the cash automatic transaction apparatus;
The customer ID and ATM identification information stored in the notification message transmission history storage means is compared with the customer ID and ATM identification information stored in the transaction history storage means, and an incentive is given to the account of the matching customer ID. The cash management system according to claim 1, further comprising: an incentive granting authorization unit for authorizing. Incentive grant execution means for granting an incentive to the account of the customer ID authorized by the incentive grant authorization means;
Incentive grant history storage means for storing a grant history including the customer ID of the account to which the incentive was granted and the transaction time at which the deposit / withdrawal transaction was performed;
After detecting the mobile communication terminal, referring to the grant history stored in the incentive grant history storage means, the customer ID of the grant history in which the time from the current time to the transaction time exceeds a predetermined time, Incentive grant determining means for permitting provision of information for granting the incentive;
If the cash shortage occurrence information is information on cash shortage with the mobile communication terminal related to the customer ID permitted to provide the incentive information to the notification message creating means, the deposit is made. Entry / exit that creates the notification message indicating that an incentive is granted by performing a transaction and creates the notification message indicating that an incentive is granted by performing a withdrawal transaction if the information is cash surplus information The cash management system according to claim 4, further comprising: a money request processing unit. The incentive granting authorization means is:
If the cash excess / deficiency occurrence information is cash shortage information, the customer ID that has made a deposit transaction is acquired from the transaction history storage means, and if it is cash surplus information, the withdrawal transaction is performed from the transaction history storage means. Get the customer ID
6. The method according to claim 4, wherein, when the grant of the incentive is authorized, the acquired customer ID is compared with the customer ID stored in the notification message transmission history storage unit. Cash management system. A cash management method performed by a computer that manages the position information of a mobile communication terminal capable of acquiring current position information and manages the cash state of an automatic teller machine that detects the occurrence of cash excess and deficiency,
Store the location information of the automatic teller machine in the storage means in advance,
The cash excess / deficiency occurrence information detected by the automatic teller machine and the installation position information of the automatic teller machine are acquired, and the detected cash is acquired using the current position information and the installation position information acquired from the mobile communication terminal. Notifying the portable communication terminal of a notification message for prompting a cash deposit transaction or withdrawal transaction for the detected cash automatic transaction apparatus to the portable communication terminal located within a predetermined range from the installation position of the automatic transaction apparatus. Cash management method characterized by. It is a cash management method performed by a computer that manages the position information of a mobile communication terminal that can acquire current position information and manages the cash state of an automatic teller machine that detects the occurrence of cash shortage,
Store the location information of the automatic teller machine in the storage means in advance,
The cash shortage occurrence information detected by the automatic teller machine and the installation position information of the automatic teller machine are acquired, and the detected cash automatic is obtained using the current position information and the installation position information acquired from the mobile communication terminal. A cash notification is made to notify the mobile communication terminal of the mobile communication terminal located within a predetermined range from the installation position of the transaction apparatus, which prompts a cash deposit transaction for the detected cash automatic transaction apparatus to the mobile communication terminal. Management method. A cash management method performed by a computer that manages the position information of a mobile communication terminal that can acquire current position information and manages the cash state of an automatic teller machine that detects the occurrence of a cash surplus,
Store the location information of the automatic teller machine in the storage means in advance,
The cash surplus generation information detected by the automatic teller machine and the installation position information of the automatic teller machine are acquired, and the detected cash automatic is obtained using the current position information and the installation position information acquired from the mobile communication terminal. The mobile communication terminal located within a predetermined range from the installation position of the transaction apparatus is notified to the mobile communication terminal of a notification message for prompting a cash withdrawal transaction for the detected automatic cash transaction apparatus. Cash management method.

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