JP6308986B2 - Cash dispensing control system, cash dispensing system and program - Google Patents

Description

  The present invention relates to a cash payout control system, a cash payout system, and a program.

The 2D barcode based on the ATM identification information is displayed on the ATM screen, the displayed 2D barcode is scanned with the customer's mobile device and transmitted to the financial web service, and the ATM identified from the 2D barcode information is transferred to the ATM. A system in which a financial web service executes a transaction is known (for example, see Patent Document 1).
Patent Document 1 JP 2013-105490 A

  Conventionally, there has been a problem that a function of paying out cash, such as a cash card, cannot be added to a simple article.

  In the first aspect, the cash withdrawal control system stores the article identification information for identifying the article and the account identification information for identifying the account in association with each other, and the cash dispensing apparatus reads from the article. The first receiving unit that receives the item identification information from the cash dispenser and the account information storage unit stores the account identification information in association with the item identification information received by the first receiving unit. A dispensing permission unit that permits the cash dispensing apparatus to dispense the cash of the paid out amount.

  The apparatus further includes a second receiving unit that receives from the user terminal the article identification information read from the article by the user terminal, and the account information storage unit includes the article identification information received by the second receiving unit and the user account of the user terminal. The account identification information may be stored in association with each other.

  An article information storage unit that stores a predetermined amount to be paid for an article and article identification information of the article in association with each other, and the withdrawal permission unit associates with the article identification information received by the first receiving unit. When the account information storage unit stores the account identification information, the cash dispensing apparatus may be permitted to pay out the cash of the payout amount stored in the item information storage unit in association with the item identification information. .

  The payout permission unit stores the account identification information in association with the item identification information received by the first receiving unit, and the account information storage unit stores the account identification information in association with the item identification information. If the account identified by the account identification information has a balance equal to or greater than the withdrawal amount stored in the article information storage unit in association with the article identification information, the withdrawal amount stored in the article information storage unit The cash dispensing device may be allowed to pay out the cash.

  The item information storage unit stores the item identification information in association with the item identification information from the account identified by the account identification information stored in the account information storage unit in association with the item identification information received by the first receiving unit. You may further provide the withdrawal process part which performs the withdrawal process of payment amount.

  The second receiving unit receives a limiting condition that limits at least one of a cash dispensing device used for cash withdrawal and a time when the cash dispensing device is used in association with the item identification information, and the account information storage unit 2 The article identification information received by the receiving unit, the account identification information, and the limiting condition are stored in association with each other, and the payout permission unit is associated with the article identification information received by the first receiving unit in the account information storage unit. The cash dispensing apparatus may be permitted to pay out a predetermined amount of cash, provided that the stored limiting conditions are satisfied.

  You may further provide the privilege presentation control part which transmits the location of the cash payment apparatus utilized for cash payment and the content of the privilege corresponding to the said cash payment apparatus to a user terminal, and makes a user present from a user terminal.

  The article is a wireless tag that transmits article identification information wirelessly or a card having a printed barcode, and the article identification information may be read out to the user terminal via the wireless tag or barcode that the card has.

  In the second aspect, a cash payout system includes the above cash payout control system and a cash payout device.

  A user terminal may be further provided.

  In the third aspect, the program causes the computer to function as the cash payout control system.

  The summary of the invention does not enumerate all the features of the present invention. In addition, a sub-combination of these feature groups can also be an invention.

An example of the use environment of cash dispensing system 5 in one embodiment is shown roughly. It is a block diagram which shows the function structure with which CD100, the user terminal 180, and the server 110 are provided. An example of a processing sequence of the user terminal 180 and the server 110 when making a reservation for a card is shown. A card ID acquisition screen 400 is shown schematically. A use frequency setting screen 500 is schematically shown. The use date setting screen 600 is schematically shown. The use branch setting screen 700 is shown schematically. The utilization ATM setting screen 800 is shown schematically. An example of the card information generated by the server 110 is shown in a table format. An example of a processing sequence when paying out from the CD 100 using the card 10 is shown.

  Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the invention according to the claims. In addition, not all the combinations of features described in the embodiments are essential for the solving means of the invention.

  FIG. 1 schematically illustrates an example of a usage environment of a cash dispensing system 5 according to an embodiment. The cash payout system 5 includes a server 110, a database server 120, CD100a, CD100b, and CD100c, each of which is an automatic cash dispenser, a bank network 160, a user terminal 180, and a card 10. The card 10 is an example of an article. The card 10 is distributed from a store such as a convenience store.

  The user terminal 180 is a mobile device. The user terminal 180 is a portable electronic device having a communication function such as a mobile phone such as a smartphone, a portable information terminal, and a tablet computing device. Application software for net banking is installed in the user terminal 180. The application software is abbreviated as “net banking application”. The user terminal 180 communicates with the server 110 that provides a net banking function through a communication network 170 including a public network such as an Internet line, a mobile communication network, and the like. For example, the user terminal 180 communicates with the server 110 through the communication network 170 and instructs the server 110 to perform a transfer or the like using a net banking function provided by the server 110.

  The server 110 accesses the database server 120 through the bank network 160 and performs various information processing related to banking operations, including the function of net banking. The database server 120 stores a ledger database 121, a card registration database 122, a user information database 123, a card information database 124, and other various types of information related to banking operations. The ledger database 121 stores account related information including a deposit / withdrawal history for each account. For example, the ledger database 121 stores a deposit / withdrawal history such as deposit / withdrawal type, date / time of deposit / withdrawal, and deposit / withdrawal amount for each account. Note that the function of the server 110 may be realized by one or a plurality of servers. Further, the function of the database server 120 may be realized by one or a plurality of database servers. The functions of the server 110 and the database server 120 may be realized by a single server. The server 110 and the database server 120 may function as a cash payout control system.

  Each of the CD 100a, CD 100b, and CD 100c communicates with the server 110 through the bank network 160 and pays out cash to the user 190. The CD 100a, the CD 100b, and the CD 100c are provided in the bank store 20a. The CD 100a, CD 100b, and CD 100c have the same functions. Therefore, in the description of the present embodiment, the end of the codes of CD 100a, CD 100b, and CD 100c may be omitted and may be collectively referred to as “CD100”. The store 20b and the store 20c are also provided with an automatic cash dispenser (CD) having the same configuration as the CD 100. In the description of the present embodiment, functions and operations of the CD 100 provided mainly in the store 20a will be described, and descriptions of functions and operations of the store 20b and the store 20c will be omitted.

  The CD 100 includes a cash outlet 104 and a card insertion slot 102. The card 10 is provided with a barcode and a magnetic stripe. A card ID for identifying the card 10 is recorded on the bar code and the magnetic stripe. The CD 100 can read the card ID recorded on the magnetic stripe from the card 10 inserted in the insertion slot 102.

  The user terminal 180 has wireless communication through the communication network 170 and a camera function. A user 190 is a user of the user terminal 180. The user 190 communicates with the server 110 using the user terminal 180. Taking the case of paying out cash from the CD 100a, the operation of each component will be schematically described.

  The user 190 operates the user terminal 180 to activate the net banking application, and displays a net banking login screen on the user terminal 180. The user 190 logs in to the server 110 by inputting login information such as an account number and a login password. The user information database 123 stores user authentication information. The server 110 collates the information stored in the user information database 123 with the login information and determines whether or not login is possible.

  The user 190 performs an operation of adding a cash payout function to the card 10 through an operation screen displayed on the user terminal 180 while logged in to the server 110. Specifically, the user 190 captures the barcode of the card 10 using the camera function of the user terminal 180. The user terminal 180 transmits the card ID read from the barcode to the server 110. The server 110 stores the card ID and the account number of the user 190 in association with each other in the card registration database 122.

  When the card 10 is inserted into the card insertion slot 102 of the CD 100a, the CD 100a transmits the card ID read from the magnetic stripe of the card 10 to the server 110. The server 110 deducts a predetermined amount for the card 10 from the account number stored in the card registration database 122 in association with the received card ID. The card information database 124 stores in advance the amount to be withdrawn in association with the card ID. If the withdrawal is successful, the server 110 permits a predetermined amount of cash to be paid out to the CD 100a. When the cash out is permitted, the CD 100a pays out the cash from the cash payout exit 104.

  According to the cash payout system 5, the cash payout function can be incorporated into a simple article such as the card 10. Therefore, the user 190 does not have to carry a cash card. Also, the card 10 can be given to another person as a gift card.

  FIG. 2 is a block diagram illustrating a functional configuration included in the CD 100, the user terminal 180, and the server 110. The CD 100 includes a processing unit 200, a server communication unit 220, a cash payout unit 230, and a magnetic reader unit 210. The processing unit 200 is realized by a processor such as an MPU. The server communication unit 220 is realized by a network IC or the like. The CD 100 does not include a display device that displays a two-dimensional screen.

  The user terminal 180 includes a processing unit 250, a communication unit 270, a display unit 280, an operation reception unit 282, a storage unit 290, and a camera unit 260. The processing unit 250 is realized by a processor such as an MPU. The communication unit 270 is realized by a mobile communication processor, a network IC, or the like. The communication unit 270 has a function of performing communication according to one or a plurality of communication standards such as a communication standard such as WiFi or a communication standard for mobile communication. The display unit 280 is realized by a display device such as a liquid crystal display. Storage unit 290 is realized by a storage medium such as a semiconductor memory. The operation reception unit 282 is realized by a touch panel, operation keys, and the like.

  The camera unit 260 generates image data by photographing and supplies the image data to the processing unit 250. When the camera unit 260 captures the barcode of the card 10, the barcode image data is supplied to the processing unit 250. The processing unit 250 analyzes the barcode image data and extracts the card ID recorded in the barcode. In addition to the card ID, the payout amount may be recorded in the barcode of the card 10. The processing unit 250 may analyze the image data of the barcode and extract the payout amount recorded in the barcode. The communication unit 270 transmits the card ID read by the processing unit 250 to the server 110. As described above, the user terminal 180 transmits the card ID read from the card 10 to the server 110.

  In the server 110, the communication unit 70 receives the card ID read from the card 10 by the user terminal 180 from the user terminal 180. The processing unit 40 stores the card ID received by the communication unit 70 in association with the account identification information of the account of the user 190 of the user terminal 180 in the card registration database 122.

  In the CD 100, the magnetic reader unit 210 reads the magnetic stripe of the card 10 and supplies read data to the processing unit 40. The processing unit 40 extracts a card ID from the read data. The server communication unit 220 transmits the card ID extracted by the processing unit 40 to the server 110. Thus, the CD 100 transmits the card ID read from the card 10 to the CD 100.

  The CD communication unit 80 receives the card ID read from the card 10 by the CD 100 from the CD 100. The processing unit 40 permits the CD 100 to pay out a predetermined amount of cash when the card registration database 122 stores account identification information in association with the card ID received by the CD communication unit 80. To do. For example, when the card registration database 122 stores the account identification information in association with the card ID received by the CD communication unit 80, the processing unit 40 pays a predetermined amount of cash to the CD 100. Allow CD 100 to put out. After reading the magnetic stripe of the card 10 from the card 10, the processing unit 200 of the CD 100 pays out cash of a predetermined payout amount permitted from the processing unit 40 without accepting designation of the payout amount from the user 190. .

  The card information database 124 stores a predetermined payout amount for the card 10 and the card ID of the card 10 in association with each other. Note that the payout amount for the card 10 may be determined at any time before the processing unit 40 permits the cash out to the CD 100. When the card registration database 122 stores account identification information in association with the card ID received by the CD communication unit 80, the processing unit 40 stores the card information database 124 in association with the card ID. The CD 100 is allowed to pay out the cash of the payout amount. In the processing unit 40, the card registration database 122 stores account identification information in association with the card ID received by the CD communication unit 80, and the card registration database 122 stores in association with the card ID. Of the payout amount stored in the card information database 124 when there is a balance equal to or greater than the payout amount stored in the card information database 124 in association with the card ID. The CD 100 is allowed to pay out cash. The processing unit 40 stores the card information database 124 in association with the card ID from the account identified by the account identification information stored in the card registration database 122 in association with the card ID received by the CD communication unit 80. The withdrawal process of the payout amount is performed.

  Note that the communication unit 70 receives from the user terminal 180 a limiting condition that limits at least one of the CD 100 used for paying out cash and the time when the CD 100 is used, in association with the card ID. The card registration database 122 stores the card ID received by the communication unit 70, the account identification information, and the limitation condition in association with each other. The processing unit 40 pays out cash of a predetermined payout amount on condition that the limiting condition stored in the card registration database 122 is satisfied in association with the card ID received by the CD communication unit 80. Allow CD100. The processing unit 40 transmits the location of the CD 100 used for paying out cash and the content of the privilege corresponding to the CD 100 to the user terminal 180 and causes the user terminal 180 to present it to the user 190.

  FIG. 3 schematically shows an example of the menu screen 300 displayed on the display unit 280 after the login to the server 110 is completed. The menu screen 300 includes a payout reservation screen selection button 310 as a part of the configuration object. The selection button 310 is an object that displays a screen for registering the association between the card and the account information. When the user 190 touches the position of the selection button 310, the display unit 280 displays a card ID acquisition screen shown in FIG.

  FIG. 4 schematically shows a card ID acquisition screen 400. The card ID acquisition screen 400 includes a shooting frame 410 and a shooting button 490. In the shooting frame 410, images continuously shot by the camera unit 260 are displayed. When the user 190 touches the shooting button 490 with the barcode of the card 10 within the shooting frame 410, the processing unit 40 analyzes the image shot by the camera unit 260 and records the image on the barcode. A card ID and a payout amount are extracted from the information. Subsequently, the display unit 280 displays a usage count setting screen 500 shown in FIG.

  FIG. 5 schematically shows a usage count setting screen 500. The usage count setting screen 500 includes a payout amount display object 510, a usage count input box 520, a usage count input box 530 per month, and a setting button 590. In the display object 510, a payout amount is displayed. In the input box 520, the number of times the CD 100 can be used can be input without limitation of the period. In the input box 530, the number of times the CD 100 can be used per month can be input. Note that the user 190 can input the number of uses in either the input box 520 or the input box 530. When the user 190 touches the position of the setting button 590, the display unit 280 displays a usage date setting screen shown in FIG.

  FIG. 6 schematically shows a use date / time setting screen 600. The usage date setting screen 600 includes a usage date setting object 610, a usage time zone input box 620, and a setting button 690. The user 190 can set the usage date by touching the location of the usage date in the setting object 610. In the input box 620, the start time and end time of the use time zone can be input. When the user 190 touches the position of the setting button 690, the display unit 280 displays a use branch setting screen shown in FIG.

  FIG. 7 schematically shows a use branch setting screen 700. The used branch setting screen 700 includes a setting object 710 indicating that a branch to be used is not specified, an object 720 for specifying a used branch, a selection button 780 for another area, and a setting button 790. The user 190 can set that the branch office is not specified by touching the setting object 710.

  The object 720 includes display objects 730a to 730c indicating branch offices and privileges associated with the branch offices, and selection buttons 740a to c corresponding to the display objects 730a to 730c. Information indicating the privilege is provided from the server 110. The user 190 can designate the use of the corresponding branch by selecting the selection buttons 740a to 740c by touch. For example, by selecting the selection button 740a, it is possible to specify that the “Δ town branch” CD is to be used. Further, by using the CD, the user 190 is given a privilege of “△ town shopping district 100 yen discount coupon”. When the use branch setting screen 700 is displayed first, a branch display object in a region predetermined by the user 190 may be displayed in the object 720. In addition, in the object 720, a display object representing a list of branches used by the user 190 at a frequency higher than a predetermined frequency or a branch in the same area as the branch used last time may be displayed.

  By touching the selection button 780 for another region, a selection screen for selecting a branch office in another region is displayed on the display unit 280. Description of the selection screen is omitted. When the user 190 touches the position of the setting button 790, the display unit 280 displays a use ATM setting screen shown in FIG.

  FIG. 8 schematically shows a usage ATM setting screen 800. The usage ATM setting screen 800 includes an object 810 for selecting a CD 100 to be used and a registration execution button 890. The object 810 includes an object 820a, an object 820b, and an object 820c. The positions of the object 820a, the object 820b, and the object 820c indicate the installation positions of the CD 100a, the CD 100b, and the CD 100c in the store 20a, respectively.

  The object 820a and the object 820b are selectable objects. The object 820a and the object 820b indicate that there is sufficient cash in the CD 100a and the CD 100b, and the payout amount specified by the user 190 can be withdrawn from both the CD 100a and the CD 100c. The object 820c is an object that cannot be selected. The object 820c indicates that the cash in the CD 100c is insufficient and the cash of the payout amount specified by the user 190 cannot be withdrawn from the CD 100c. For example, the user 190 can select to pay out cash using the CD 100a by touching the position of the setting object 820a.

  When the user 190 touches the position of the registration execution button 890, the communication unit 270 registers information including information set through the screens described with reference to FIGS. 4 to 8, a card ID, and identification information of the user 190. Request information is transmitted to the server 110.

  Note that a plurality of CDs 100 to be used may be selected on the use ATM setting screen 800 of FIG. For example, in any of the CDs 100a to 100c, when the cash in the CD 100 alone is insufficient with respect to the payout amount in the designated time zone, the total amount of cash in the plurality of CDs 100 is equal to or greater than the payout amount. If so, the user 190 may be made to select those CDs 100. In this case, the amount payable from each of the plurality of CDs 100 may be specified by the user 190 with the minimum amount secured in the plurality of CDs 100 as an upper limit.

  FIG. 9 shows an example of the card registration information generated by the server 110 and the data format stored in the card information database 124 in a table format. The card registration information includes a card ID, account identification information, usage location information, usage date information, usage count information, and card registration information reception date.

  The card ID in the card registration database 122 is information for identifying the card 10 and is stored when received from the user terminal 180. The account identification information is information for identifying the bank account of the user 190. The account identification information may include a branch code and an account number. The account identification information may include a financial institution code for identifying a financial institution, a branch code, and an account number. By including the financial institution code in the account identification information, the balance can be inquired or withdrawn from an account of a financial institution different from the financial institution managing the CD 100.

  The “use place” information is generated based on the information set in FIG. 7 and FIG. 8 and is one of the limiting conditions for limiting the use place. The “use place” information may be branch identification information for identifying a specific branch of a bank, ATM identification information for identifying a specific ATM, or the like.

  The “use date / time” information is generated based on the information set in FIG. 6 and is one of the limiting conditions for limiting the use time. The information of “use date / time” may be at least one of the date of use and the time zone of use.

  The value of “usable number” indicates how many times cash can be paid out. The “usable count” information is subtracted once every time a payout is made. Except for the case where the number of payouts per month is set, the card registration information is discarded when the value of “usable number of times” becomes 0. When the number of payouts per month is set, the card registration information is not discarded even when the number of payouts is zero. The value of “usable number of times” is reset to the number of payouts per month set at the time of reservation when the month changes.

  “Reception date and time” indicates the date and time when the server 110 received the registration request information. The server 110 determines the valid date and time when the card registration information is valid based on the reception date and time of the registration request information and the current time. The server 110 may discard the card registration information whose validity date has passed from the card registration database 122. For example, the last time of a day one year after the reception date may be adopted as the effective date. The validity period is not limited to one year. The date and time when a predetermined time has elapsed from the reception date and time may be adopted as the valid date and time.

  The card information database 124 stores the payout amount in association with the card ID. The payout amount is determined in advance corresponding to the card 10 to be distributed.

  FIG. 10 shows an example of a processing sequence of the CD 100 and the server 110 when paying out from the CD 100 using the card 10. In the CD 100, when the card 10 is inserted into the insertion slot 102, the magnetic reader unit 210 reads the magnetic stripe from the card 10, and the processing unit 40 obtains the card ID of the card 10 from the information read by the magnetic reader unit 210. Extract (S1002). Subsequently, the server communication unit 220 transmits the card ID and the identification information of the CD 100 to the server 110 (S1004).

  In the server 110, the processing unit 40 determines whether the use place and the use date and time are satisfied (S1010). Specifically, the processing unit 200 determines whether the CD 100 satisfies the use place restriction condition when the use condition is set in the “use place” of the card registration information. Further, when a limiting condition for limiting the use date is set in the “use date / time” of the card registration information, it is determined whether the current date / time satisfies the use date / time limiting condition. If it is determined that at least one of the limiting conditions is not satisfied, an error is assumed.

  When the use place and use date and time limiting conditions are satisfied, the processing unit 40 updates the database of the database server 120 (S1012). Specifically, in the card registration database 122, the “usable number” of the card registration information corresponding to the card ID is decremented. Further, the processing unit 40 refers to the ledger database 121 to check the balance of the account identified by the “account identification information” of the card registration information, and if the withdrawal amount can be withdrawn, the processing unit 40 pays out the balance. Withdraw money. The processing unit 40 makes an error when the payout amount cannot be withdrawn from the account identified by the “account identification information” of the card registration information. Further, the processing unit 40 stores privilege information corresponding to the CD 100 selected in FIG. 7 in the user information database 123 on the condition that the CD 100 used is the CD 100 in the branch selected in FIG. Thereby, a privilege can be provided to the user 190. In addition, a privilege can be confirmed and validated by accessing the server 110 with a net banking application.

  If no error has occurred in either S1010 or S1012, the server 110 transmits the payout permission and the payout amount to the CD100, and if an error has occurred, the server 110 transmits a payout disapproval to the CD100 (S1014). In the CD 100, when the payout permission is received in S1014, the cash of the received payout amount is moved to the cash payout exit 104 and the cash is paid out (S1020).

  In the cash dispensing system 5 described above, the CD 100 that is an automatic cash dispenser has been described. However, the cash dispensing system is a concept including an automatic teller machine (ATM) and a system using an ATM. At least a part of the functions related to the CD 100 described above can be applied to an automatic teller machine (ATM), and at least a part of the functions related to the cash dispensing system 5 can be applied to the ATM system. The application target of the cash withdrawal system is not limited to cash withdrawal from a bank account and cashing. The cash withdrawal system can also be applied to withdrawals from various financial accounts other than bank accounts.

  Note that means other than the above-described barcode photographing can be adopted as means for the user terminal 180 to read the card ID of the card 10. For example, the user terminal 180 may read the card ID from the card 10 using a wireless tag such as NFC (Near Field Communication) or RFID. That is, the card 10 has a wireless tag that transmits a card ID wirelessly or a printed barcode. The card ID is read out to the user terminal 180 via a wireless tag or barcode that the card has. Further, means other than the magnetic stripe can be adopted as means for the card 10 to read the card ID of the card 10. For example, the CD 100 may read the card ID from the card 10 by NFC (Near Field Communication), a wireless tag such as RFID, or barcode scanning.

  In the above description, at least a part of the processing described as the operation of the user terminal 180 can be realized by the processor controlling each hardware (for example, hard disk, memory, etc.) included in the computer according to the program. In this way, at least a part of the processing of the user terminal 180 is performed by the processor operating in accordance with the program to control each hardware, so that each hardware including the processor, the hard disk, the memory, and the like cooperates with the program. It can be realized by operating. That is, the program can cause the computer to function as each unit of the user terminal 180. The computer may read a program that controls execution of the above-described process, operate according to the read program, and execute the process. The computer can read the program from a computer-readable recording medium storing the program. The program may be supplied to a computer through a communication line, and the computer may read the program supplied through the communication line.

  Similarly, at least a part of the processing described as the operation of the server 110 can be realized by the processor controlling each hardware included in the computer according to the program, and the program can cause the computer to function as the server 110. Of the processes described as the operation of the server 110, the communication unit 70 or the CD communication unit 80 performs an operation of transmitting / receiving various types of information, and other operations other than the information transmission / reception, for example, various operations such as determination and permission Can be performed by the processing unit 40.

  Similarly, at least a part of the processing described as the operation of the CD 100 can be realized by the processor controlling each hardware of the computer according to the program. The program can cause the computer to function as each part of the CD 100. These programs can also be supplied to a computer as a computer-readable recording medium storing the program. These programs are also supplied to the computer through the communication line, and the computer may read the program supplied through the communication line.

  As mentioned above, although this invention was demonstrated using embodiment, 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 embodiment. It is apparent from the description of the scope of claims that embodiments with such changes or improvements can be included in the technical scope of the present invention.

  The execution order of each process such as operation, procedure, step, and stage in the apparatus, system, program, and method shown in the claims, the description, and the drawings is particularly “before” or “prior to”. It should be noted that the output can be realized in any order unless the output of the previous process is used in the subsequent process. Regarding the operation flow in the claims, the specification, and the drawings, even if it is described using “first”, “next”, etc. for the sake of convenience, it means that it is essential to carry out in this order. It is not a thing.

5 Cash Dispensing System 10 Card 20 Store 40 Processing Unit 70 Communication Unit 80 CD Communication Unit 100 CD
102 insertion slot 104 cash outlet 110 server 120 database server 121 ledger database 122 card registration database 123 user information database 124 card information database 160 bank network 170 communication network 180 user terminal 190 user 200 processing unit 210 magnetic reader unit 220 server communication unit 230 Cash payout unit 250 Processing unit 260 Camera unit 270 Communication unit 280 Display unit 282 Operation reception unit 290 Storage unit 300 Menu screen 310 Select button 490 Shooting button 400 Card ID acquisition screen 410 Shooting frame 500 Usage count setting screen 510 Display objects 520 and 530 Input box 590 Setting button 600 Use date setting screen 610 Setting object 620 Input box 690 Setting button 700 Branch setting screen 710 configuration objects 720 objects 730 display objects 740,780, selection button 790 set button 800 using ATM setting screen 810, 820 objects 890 registration execution button

Claims (10)

A second receiving unit for receiving, from the user terminal, article identification information read from the article by the user terminal;
An account information storage unit for storing article identification information received by the second receiving unit and account identification information of a user account of the user terminal in association with each other ;
An article information storage unit that stores a predetermined payout amount for the article and article identification information of the article in association with each other;
A first receiving unit that receives from the cash dispensing apparatus the item identification information read from the article by the cash dispensing apparatus;
When the account information storage unit stores the account identification information in association with the item identification information received by the first receiving unit, the item information storage unit stores the account identification information in association with the item identification information. A cash dispensing control system comprising a dispensing permission unit that permits the cash dispensing apparatus to dispense a cash amount to be paid out. A second receiving unit for receiving, from the user terminal, article identification information read from the article by the user terminal ;
An account information storage unit for storing article identification information received by the second receiving unit and account identification information of a user account of the user terminal in association with each other ;
A first receiving unit that receives from the cash dispensing apparatus the item identification information read from the article by the cash dispensing apparatus;
When the account information storage unit stores the account identification information in association with the item identification information received by the first receiving unit, paying out a predetermined amount of cash for the item A withdrawal permitting unit that permits the cash dispensing apparatus;
A cash withdrawal control system. The payout permitting unit stores the account identification information in association with the item identification information received by the first receiving unit, and stores the account information in association with the item identification information. When the account identified by the account identification information stored in the department has a balance equal to or greater than the payout amount stored in the article information storage section in association with the article identification information, the article information storage section The cash payout control system according to claim 1, wherein the cash payout device is allowed to pay out cash of a stored payout amount. The article information storage unit stores the item identification information in association with the item identification information from the account identified by the account identification information stored in the account information storage unit in association with the item identification information received by the first receiving unit. The cash withdrawal control system according to claim 3, further comprising a withdrawal processing unit that performs a withdrawal process for the withdrawal amount. The second receiving unit receives, in association with the item identification information, a limiting condition that limits at least one of a cash payout device used for paying out cash and a time when the cash payout device is used,
The account information storage unit stores the article identification information received by the second receiving unit, the account identification information, and the limiting condition in association with each other,
The payout permitting unit is configured to provide cash of a predetermined payout amount on condition that a limiting condition stored in the account information storage unit is satisfied in association with the item identification information received by the first receiving unit. The cash payout control system according to claim 1 , wherein the cash payout device is allowed to pay out. A privilege presentation control unit that transmits the location of a cash dispensing device used for cash dispensing and the content of a privilege corresponding to the cash dispensing device to the user terminal, and causes the user terminal to present the privilege presentation control unit. 5. A cash dispensing control system according to 5. The article is a wireless tag that wirelessly transmits article identification information or a card having a printed barcode, and the article identification information is transmitted to the user terminal via the wireless tag or the barcode included in the card. The cash dispensing control system according to any one of claims 1 , 5, and 6, which is read out. The second receiving unit receives the article identification information and the payout amount read from the article by the user terminal from the user terminal,
8. The cash payout control according to claim 1 , wherein the article information storage unit stores the article identification information received by the second receiving unit and the payout amount in association with each other. system. Cash withdrawal control system according to any one of claims 1 to 8,
A cash dispensing system comprising the cash dispensing apparatus.   A program for causing a computer to function as the cash payout control system according to any one of claims 1 to 8.

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