JP6336188B2 - Automatic cash transaction system, management server device, automatic cash transaction method, and program - Google Patents

Description

  The present invention relates to an automatic cash transaction system, a management server device, an automatic cash transaction method, and a program.

  2. Description of the Related Art In recent years, an automatic cash transaction system equipped with an automatic cash transaction apparatus (hereinafter referred to as ATM (Automatic Teller Machine)) has become widespread, and transactions such as cash withdrawal are performed using a cash card and a personal identification number. ing. For example, when cash is withdrawn from such an ATM, many operations on the ATM screen are required, and processing takes time, so there may be a long queue waiting for use before the ATM. In order to reduce the waiting time until such a transaction is performed, a technique for preliminarily reserving a transaction performed by ATM in an automatic cash transaction system is known (see, for example, Patent Document 1 and Patent Document 2). .

JP 2011-60257 A JP2015-162132A

  However, in the cash automatic transaction system described above, in order to make a reserved transaction, for example, it is necessary to select a reservation transaction screen and insert a cash card, or enter a financial institution by riding a car. There are cases where the reduction is insufficient and the convenience is impaired. Therefore, further improvements in convenience are required in the above-described automatic cash transaction system.

  The present invention has been made to solve the above problems, and an object thereof is to provide an automatic cash transaction system, a management server device, an automatic cash transaction method, and a program that can improve convenience.

In order to solve the above problem, an aspect of the present invention is an automatic cash transaction system including a Web server device that provides a transaction service of a financial institution via a network, and a management server device that manages the automatic cash transaction device. The Web server device receives a withdrawal reservation for withdrawing a specified withdrawal amount from a depositor's account via the network, and the withdrawal accepted by the reservation acceptance unit. In accordance with a reservation, the first reservation identification information for identifying the withdrawal reservation, the withdrawal reservation information in which the withdrawal information including the withdrawal information including the withdrawal amount information and the financial institution information for identifying the financial institution is associated with the withdrawal reservation information. And sending the withdrawal amount from the depositor's account to a deposit withdrawal port different from the depositor's account, storing the withdrawal amount, A reservation processing unit that transmits to the financial institution an instruction to move a money amount to a deposit / withdrawal port that can be reduced, and the management server device receives the withdrawal reservation information; The second reservation identification information input to the automatic teller machine is acquired, and the withdrawal amount is based on the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information. The cash automatic transaction apparatus, and a transaction processing unit for reducing the withdrawal amount from the deposit withdrawal port, the first reservation identification information and the second reservation identification information, The automatic cash transaction system includes a reservation number corresponding to the withdrawal reservation and a reservation time when the withdrawal reservation is accepted.
Further, according to one aspect of the present invention, in the above automatic cash transaction system, the reservation processing unit instructs cancellation of the withdrawal reservation when a predetermined period or more has elapsed from the reservation time, and the reservation number A reservation cancellation instruction including the above is transmitted to the management server device, and the withdrawal amount of the withdrawal reservation instructing the cancellation is transferred from the deposit withdrawal port to the depositor's account of the withdrawal reservation. The transaction processing unit cancels the withdrawal reservation corresponding to the reservation number included in the reservation cancellation instruction.

  Further, according to one aspect of the present invention, in the above automatic cash transaction system, a short-range wireless communication is performed between the portable information terminal that makes the withdrawal reservation to the Web server device and the portable information terminal via the network. The automatic teller machine that is communicable by communication and does not include a display unit that displays an operation screen and an operation unit, and the reservation processing unit includes the first reservation identification information according to the withdrawal reservation. Is transmitted to the portable information terminal, and the transaction processing unit acquires the first reservation identification information input from the portable information terminal to the automatic teller machine through the short-range wireless communication as second reservation identification information. And allowing the automatic cash transaction apparatus to withdraw cash of the withdrawal amount based on the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information. Characterized in that to reduce the dispensing amount from the deposit dispensing port.

  Further, according to one aspect of the present invention, in the above automatic cash transaction system, the deposit / withdrawal port is provided corresponding to an account of the depositor, and the withdrawal reservation information includes the depositor's account. Account information indicating an account is included, and the transaction processing unit reduces the withdrawal amount from the deposit / withdrawal port corresponding to the depositor's account based on the account information.

  Further, according to one aspect of the present invention, in the above automatic cash transaction system, the reservation receiving unit receives a deposit reservation for depositing a specified deposit amount into the depositor's account via the network, and the reservation The processing unit is a deposit that associates the third reservation identification information for identifying the deposit reservation with the deposit instruction information including the financial institution information and the deposit amount in accordance with the deposit reservation received by the reservation accepting unit. The reservation information is transmitted to the management server device, and an instruction to transfer the deposit amount from the deposit transfer account different from the depositor's account to the depositor's account is transmitted to the financial institution, and the reception processing unit , Receiving the deposit reservation information, the transaction processing unit based on the deposit instruction information corresponding to the third reservation identification information that matches the acquired second reservation identification information, Together to deposit the deposit amount of cash money automatic teller machine, characterized thereby adding the deposit amount to the amount of the deposit transfer port.

  Further, according to one aspect of the present invention, in the cash automatic transaction system, the Web server device acquires the depositor's location information, and transmits the acquired depositor's location information to the management server device. The management server device, based on the depositor's location information transmitted from the web server device, stores the location information of the automatic teller machine existing within a predetermined distance from the depositor's location. It transmits to an apparatus, It is characterized by the above-mentioned.

  One aspect of the present invention is a withdrawal reservation accepted by a Web server device that provides a transaction service of a financial institution via a network, and the designated withdrawal amount is transferred to the depositor via the network. Withdrawing reservation information associating first reservation identification information for identifying a withdrawal reservation withdrawn from an account, financial institution information for identifying the financial institution, and withdrawal instruction information including the withdrawal amount Based on the withdrawal instruction information corresponding to the first reservation identification information that is acquired by the reception processing unit and the second reservation identification information input to the automatic teller machine and matches the acquired second reservation identification information , The cash of the withdrawal amount is withdrawn to the automatic teller machine, and is an account different from the account of the depositor, accumulates the amount for withdrawal, and the amount for withdrawal by the withdrawal Deposit withdrawals that can be reduced A transaction processing unit for reducing the withdrawal amount from a deposit / withdrawal port to which the withdrawal amount has been transferred from the depositor's account, the first reservation identification information and the second reservation identification The information includes a reservation number corresponding to the withdrawal reservation and a reservation time when the withdrawal reservation is accepted.

  Another aspect of the present invention is an automatic cash transaction method for an automatic cash transaction system including a Web server device that provides a transaction service of a financial institution via a network and a management server device that manages the automatic cash transaction device. The Web server device accepts a withdrawal reservation for withdrawing the designated withdrawal amount from the depositor's account via the network, and the Web server device performs the reservation accepting step. In accordance with the accepted withdrawal reservation, the first reservation identification information for identifying the withdrawal reservation is associated with the withdrawal instruction information including the financial institution information for identifying the financial institution and the withdrawal amount. The money reservation information is transmitted to the management server device, and the withdrawal amount from the depositor's account is different from the depositor's account. A reservation processing step of storing an amount for withdrawal, and transmitting an instruction to the financial institution to move the withdrawal amount to a deposit / withdrawal port that can be reduced by withdrawal, and the management server device includes: The reception processing step of receiving withdrawal reservation information, and the management server device acquires the second reservation identification information input to the cash automatic transaction device, and the first reservation identifier matches the acquired second reservation identification information. Transaction processing step of causing the cash automatic transaction apparatus to withdraw the cash of the withdrawal amount based on the withdrawal instruction information corresponding to the reservation identification information and reducing the withdrawal amount from the deposit / withdrawal port; And the first reservation identification information and the second reservation identification information include a reservation number corresponding to the withdrawal reservation and a reservation time when the withdrawal reservation is accepted. Trading It is.

  One embodiment of the present invention is a withdrawal reservation accepted by a Web server device that provides a transaction service of a financial institution to a computer via a network, and a specified withdrawal amount is received via the network. Withdrawal reservation information in which first reservation identification information for identifying a withdrawal reservation withdrawn from the depositor's account is associated with financial institution information for identifying the financial institution and withdrawal instruction information including the withdrawal amount And the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information. The cash of the withdrawal amount is withdrawn to the automatic teller machine, and is an account different from the depositor's account, accumulates the amount for withdrawal, and uses the withdrawal for the withdrawal Gold A transaction processing step for reducing the withdrawal amount from a deposit withdrawal port to which the withdrawal amount has been transferred from the depositor's account. In addition, the first reservation identification information and the second reservation identification information are programs that include a reservation number corresponding to the withdrawal reservation and a reservation time when the withdrawal reservation is accepted.

  According to the present invention, convenience can be improved.

It is a functional block diagram which shows an example of the ATM transaction system by 1st Embodiment. It is a figure which shows the example of data of the reservation memory | storage part in 1st Embodiment. It is an external view which shows an example of ATM and a portable information terminal in 1st Embodiment. It is a figure which shows an example of the payment processing of the ATM transaction system by 1st Embodiment. It is a figure which shows an example of the reservation cancellation process of the ATM transaction system by 1st Embodiment. It is a functional block diagram which shows an example of the ATM transaction system by 2nd Embodiment. It is a figure which shows the example of data of the reservation memory | storage part in 2nd Embodiment. It is a figure which shows an example of the money_receiving | payment process of the ATM transaction system by 2nd Embodiment. It is a functional block diagram which shows an example of the ATM transaction system by 3rd Embodiment. It is a figure which shows an example of the reservation cancellation process of the ATM transaction system by 3rd Embodiment. It is a figure which shows an example of the ATM position display service of an ATM transaction system.

Hereinafter, an automatic cash transaction system according to an embodiment of the present invention will be described with reference to the drawings.
[First Embodiment]
In the first embodiment, an ATM transaction system will be described as an example of an automatic cash transaction system.
FIG. 1 is a functional block diagram showing an example of an ATM transaction system 1 according to the first embodiment.
As shown in FIG. 1, the ATM transaction system 1 includes a portable information terminal 10, an IB (Internet bank) server device 20, a management server device 30, a billing system host device 40, and an ATM 50.

  For convenience of explanation, an example in which the ATM transaction system 1 includes one configuration of the mobile information terminal 10, the IB server device 20, the management server device 30, the accounting host device 40, and the ATM 50 will be described. However, a plurality of each configuration may be provided.

The portable information terminal 10 is a terminal device such as a smartphone, for example, and can be connected to the IB server device 20 via a network NW1 connected to the Internet. The portable information terminal 10 is connected to the IB server device 20 via the network NW1, and operates various services in the Internet bank provided by the IB server device 20. For example, the portable information terminal 10 performs a withdrawal (withdrawal) reservation operation, which is one of the services of the Internet bank, and acquires withdrawal reservation authentication information (for example, a reservation number and a reservation time) from the IB server device 20. To do. Further, the portable information terminal 10 transmits the authentication information acquired from the IB server device 20 to the ATM 50 by NFC (Near Field Communication) communication, and outputs (pays) the cash of the withdrawal amount reserved for withdrawal to the ATM 50. Details of the authentication information will be described later.
The portable information terminal 10 includes an NW (network) communication unit 11, an NFC communication unit 12, a terminal storage unit 13, a terminal control unit 14, an input unit 15, and a display unit 16.

  For example, the NW communication unit 11 connects to the network NW1 using mobile communication such as a mobile phone, wireless LAN (Local Area Network) communication, and performs various types of communication via the network NW1. The NW communication unit 11 is connected to the IB server device 20 via the network NW1, for example, and performs various communications of the Internet bank.

The NFC communication unit 12 performs communication using short-range wireless communication. For example, the NFC communication unit 12 transmits the withdrawal reservation authentication information executed in advance in the Internet bank to the ATM 50 when performing the withdrawal process.
The terminal storage unit 13 stores various information used for processing executed by the portable information terminal 10. The terminal storage unit 13 stores, for example, withdrawal reservation information, account information, authentication information, and the like used for the withdrawal transaction using the aforementioned withdrawal reservation.

  The terminal control unit 14 is a processor including, for example, a CPU (Central Processing Unit) and the like, and comprehensively controls the portable information terminal 10. The terminal control unit 14 executes, for example, Internet bank processing, withdrawal transaction processing using the aforementioned withdrawal reservation, and the like. For example, the terminal control unit 14 transmits a withdrawal reservation including at least a withdrawal amount to the IB server device 20 via the NW communication unit 11 and acquires authentication information via the NW communication unit 11. Further, the terminal control unit 14 transmits authentication information to the ATM 50 via the NFC communication unit 12 when performing a withdrawal transaction by the ATM 50.

The input unit 15 is an input device such as a touch panel, for example, and accepts various inputs to the portable information terminal 10. The input unit 15 accepts various operations of the Internet bank, for example.
The display unit 16 is a liquid crystal display device, for example, and displays various types of information. The display unit 16 displays, for example, an Internet bank operation menu, input information, transaction details, and the like.

The IB server device 20 (an example of a Web server device) is a server device provided in the IB center CT1, and provides a transaction service of the financial institution CT3 via the network NW1. The IB server device 20 provides the Internet bank Web service to the user of the portable information terminal 10 (for example, a depositor of the financial institution CT3). A withdrawal reservation for withdrawing the designated withdrawal amount from the depositor account 43 is accepted via the network NW1. The IB server device 20 transmits withdrawal reservation information to the management server device 30 in accordance with the accepted withdrawal reservation. The withdrawal reservation information is information in which at least first reservation identification information (for example, a reservation number) for identifying a withdrawal reservation is associated with withdrawal instruction information including financial institution information and a withdrawal amount. Details of the reservation information will be described later. In addition, the IB server device 20 transmits an instruction to move the withdrawal amount from the depositor account 43 to the deposit withdrawal port to the account host device 40 of the financial institution CT3.
The IB server device 20 includes an NW communication unit 21, an IB storage unit 22, and an IB control unit 23.

The NW communication unit 21 is a communication unit that can be connected to the network NW1, the management server device 30, and the accounting host device 40, and communicates with the network NW1, the management server device 30, and the accounting host device 40.
The IB storage unit 22 stores various types of information used for processing executed by the IB server device 20. The IB storage unit 22 includes a reservation storage unit 221.

The reservation storage unit 221 stores reservation information for withdrawal reservation processing. For example, as shown in FIG. 2, the reservation storage unit 221 includes “withdrawal amount”, “account information”, “reservation number”, “reservation time”, “reservation completed”, and “reservation cancellation”. Are stored in association with each other.
FIG. 2 is a diagram illustrating a data example of the reservation storage unit 221 in the present embodiment.
In FIG. 2, “withdrawal amount” indicates the withdrawal amount (transaction amount) designated in the withdrawal reservation, and “account information” indicates the account information of the depositor withdrawing with the withdrawal reservation. . Here, the account information includes, for example, a bank code, a store number code, an account type, an account number, and the like, and the account information is an example of financial institution information for identifying the financial institution CT3. The “reservation number” is identification information for identifying a withdrawal reservation, and the “reservation time” indicates the time when the withdrawal reservation is accepted. The “reservation time” may be a part of identification information for identifying a withdrawal reservation.

  “Reservation complete” is information indicating whether or not the withdrawal reservation transaction is completed in the ATM 50. For example, when the withdrawal reservation transaction is completed, “1” is stored. If the withdrawal reservation transaction has not been completed, Null or “0” is set. “Reservation cancellation” is information indicating whether or not the withdrawal reservation is canceled. For example, when the withdrawal reservation is canceled, “1” is stored, and the withdrawal reservation is not cancelled. In this case, it is Null or “0”.

  In the example shown in FIG. 2, “withdrawal amount” is “1,000 yen”, “account information” is “XXX-XXX...”, “Reservation number” is “XXX0001”, and “reservation time” is “11”. The withdrawal reservation of “0:00” indicates that “reservation complete” is “1” and that the transaction has already been completed. Also, withdrawals with a withdrawal amount of “50,000 yen”, “account information” of “XXX-XXX...”, “Reservation number” of “XXX0002”, and “reservation time” of “12:00” “Reservation cancellation” is “1”, indicating that the reservation has been canceled. In addition, the withdrawal amount is “10,000 yen”, the “account information” is “XXX-XXX...”, The “reservation number” is “XXX0003”, and the “reservation time” is “17:00”. The gold reservation indicates that “reservation completed” and “reservation canceled” are Null or “0”, and the transaction has not been completed yet and has not been canceled.

Returning to the description of FIG. 1, the IB control unit 23 is, for example, a processor including a CPU and the like, and comprehensively controls the IB server device 20. The IB control unit 23 includes, for example, a reservation receiving unit 231 and a reservation processing unit 232.
The reservation accepting unit 231 accepts a withdrawal reservation for withdrawing the designated withdrawal amount from the depositor account 43 (depositor's account) via the network NW1. The reservation accepting unit 231 accepts a withdrawal reservation including a withdrawal amount from the mobile information terminal 10 via the network NW1 and the NW communication unit 21, for example, using a web service of the Internet bank.

  The reservation processing unit 232, according to the withdrawal reservation received by the reservation accepting unit 231, the first reservation identification information for identifying the withdrawal reservation, the financial institution information for identifying the financial institution CT3, and the withdrawal including the withdrawal amount The withdrawal reservation information associated with the instruction information is transmitted to the management server device 30. Here, the first reservation identification information is, for example, the above-described reservation number and reservation time, and the financial institution information is, for example, the above-described account information. The reservation processing unit 232 generates a reservation number and acquires a reservation time according to the withdrawal reservation received by the reservation receiving unit 231. Further, the reservation processing unit 232 acquires the account information of the depositor who made the withdrawal reservation. The reservation processing unit 232 sets the withdrawal reservation information in which the withdrawal amount, the account information (bank code, store number code, account type, account number), the reservation number and the reservation time (first reservation identification information) are associated with each other. And stored in the reservation storage unit 221. In addition, the reservation processing unit 232 transmits the withdrawal reservation information to the management server device 30 via the NW communication unit 21.

The reservation processing unit 232 also issues an instruction to move the withdrawal amount from the depositor account 43 to the separate deposit / withdrawal port 44 (deposit / withdrawal port) in accordance with the withdrawal reservation accepted by the reservation accepting unit 231. Transmit to the institution CT3. That is, the reservation processing unit 232 gives an instruction to move the withdrawal amount designated in the withdrawal reservation from the depositor account 43 to the separate deposit / withdrawal port 44 via the NW communication unit 21. Send to.
Further, the reservation processing unit 232 sends the reservation number and the reservation time (authentication information) as the second reservation identification information to the portable information terminal 10 that is the source of the withdrawal reservation via the network NW1 and the NW communication unit 21, for example. Send.

In addition, when the reservation processing unit 232 receives a reservation completion notification indicating that the withdrawal reservation transaction has been completed from the management server device 30, the reservation processing unit 232 sets “reservation completion” corresponding to the withdrawal reservation in the reservation storage unit 221. Remember “1”.
Further, the reservation processing unit 232 stores “1” in “reservation cancellation” corresponding to the reservation time in the reservation storage unit 221 when a predetermined period or more has elapsed from the reservation time. Also, in this case, the reservation processing unit 232 gives an instruction to move (return) the withdrawal amount designated in the withdrawal withdrawal reservation from the separate deposit / withdrawal port 44 to the depositor account 43. It transmits to the host device 40.

In addition, the reservation processing unit 232 transmits a reservation cancellation instruction for instructing cancellation of the withdrawal reservation to the management server device 30 via the NW communication unit 21 when a predetermined period or more has elapsed from the reservation time.
Note that the reservation processing unit 232 may execute a process similar to the cancellation process described above in response to a request from the portable information terminal 10. In addition, the reservation processing unit 232 contacts the operator (not shown) of the IB center CT1 or the operation center CT2 by telephone or the like, and executes the same processing as the cancellation processing described above according to the cancellation operation from the operator. Also good.

  The management server device 30 is a server device provided in the operation center CT2, and is a server device that manages the ATM 50. The management server device 30 receives the withdrawal reservation information from the IB server device 20, and the reservation number and the reservation time (authentication information) input to the ATM 50 are included in the withdrawal reservation information. Is matched. When the reservation number and reservation time input to the ATM 50 match the reservation number and reservation time included in the withdrawal reservation information, the management server device 30 is based on the withdrawal instruction information corresponding to the reservation number. , Cash the withdrawal amount to the ATM 50. Further, the management server device 30 causes the account host device 40 to reduce the withdrawal amount from the separate deposit / withdrawal port 44.

The management server device 30 is connected to the account host device 40 via the integrated ATM network NW2, and the management server device 30 sends out the withdrawal amount from the separate deposit / withdrawal port 44 via the integrated ATM network NW2. Reduce the amount. Here, the integrated ATM network NW2 is a part of the integrated ATM system 60, and the integrated ATM system 60 can be connected to each other between ATMs 50 of different financial institutions to execute transactions between different financial institutions. To.
The management server device 30 includes an NW communication unit 31, a management storage unit 32, and a management control unit 33.

The NW communication unit 31 is a communication unit that can be connected to the IB server device 20, the ATM 50, and the accounting host device 40, and communicates with the accounting host device 40 via the IB server device 20, the ATM 50, and the integrated ATM network NW2. I do.
The management storage unit 32 stores various types of information used for processing executed by the management server device 30. The management storage unit 32 includes a reservation storage unit 321.

  The reservation storage unit 321 stores the withdrawal reservation information received from the IB server device 20. The reservation storage unit 321 includes, for example, “withdrawal amount”, “account information”, “reservation number”, “reservation time”, and “reservation completion” in the same manner as the reservation storage unit 221 shown in FIG. , “Reservation cancellation” is stored in association with each other.

The management control unit 33 is a processor including a CPU, for example, and comprehensively controls the management server device 30. The management control unit 33 includes, for example, a reception processing unit 331 and a transaction processing unit 332.
The reception processing unit 331 receives the withdrawal reservation information transmitted from the IB server device 20 via the NW communication unit 31. The reception processing unit 331 stores the received withdrawal reservation information in the reservation storage unit 321.

  The transaction processing unit 332 acquires the authentication information (reservation number and reservation time) input to the ATM 50, and first reservation identification information (reservation number and reservation time) that matches the acquired authentication information (reservation number and reservation time) Based on the withdrawal instruction information corresponding to, cash of the withdrawal amount is withdrawn (paid out) to the ATM 50. That is, the transaction processing unit 332 determines whether the reservation number and reservation time input to the ATM 50 match the reservation number and reservation time included in the withdrawal reservation information stored in the reservation storage unit 321. When the two match, the transaction processing unit 332 sends the withdrawal instruction information corresponding to the reservation number and the reservation time to the ATM 50 to withdraw (withdraw) the cash of the withdrawal amount from the ATM 50.

Further, in this case, the transaction processing unit 332 causes the account host device 40 to reduce the withdrawal amount from the separate deposit / withdrawal port 44 via the NW communication unit 31 and the integrated ATM network NW2. Further, the transaction processing unit 332 stores “1” in the “reservation completion” of the reservation storage unit 321 corresponding to the withdrawal reservation information for which the withdrawal transaction has been completed, and notifies the reservation completion notification of the withdrawal reservation to the NW The data is transmitted to the IB server device 20 via the communication unit 31.
If the transaction processing unit 332 matches the above-described information and “1” is stored in “reservation completion” or “reservation cancellation” corresponding to the withdrawal reservation information, the transaction processing unit 332 displays the withdrawal instruction information. Do not send to ATM50.

  Further, when the transaction processing unit 332 receives a reservation cancellation instruction for instructing cancellation of the withdrawal reservation from the IB server device 20 via the NW communication unit 31, the transaction processing unit 332 displays the withdrawal reservation information corresponding to the reservation cancellation instruction. cancel. That is, the transaction processing unit 332 stores “1” in “reservation cancellation” of the reservation storage unit 321 corresponding to the reservation cancellation instruction.

  The ATM 50 (an example of an automatic cash processing apparatus) executes a cash withdrawal process based on authentication information (reservation number and reservation time) input from the portable information terminal 10 that has made a withdrawal reservation, for example. The ATM 50 includes an NW communication unit 51, an NFC communication unit 52, a deposit / withdrawal mechanism 53, and an ATM control unit 54.

The NW communication unit 51 is a communication unit that can be connected to the management server device 30 and communicates with the management server device 30.
The NFC communication unit 52 performs communication using short-range wireless communication. For example, the NFC communication unit 52 is used when receiving from the portable information terminal 10 authentication information for a withdrawal reservation executed in advance in the Internet bank.

The deposit / withdrawal mechanism 53 is a mechanism for withdrawing (discharging) or depositing (receiving) cash (for example, cash coins and banknotes).
The ATM control unit 54 is, for example, a processor including a CPU and the like, and comprehensively controls the ATM 50. When the ATM control unit 54 receives the withdrawal reservation authentication information from the portable information terminal 10 via the NFC communication unit 52, the ATM control unit 54 transmits the authentication information to the management server device 30 via the NW communication unit 51. To do. Further, when the ATM control unit 54 receives the withdrawal instruction information transmitted from the management server device 30 via the NW communication unit 51, the ATM control unit 54 makes a withdrawal reservation that has been reserved in advance based on the withdrawal instruction information. The deposit / withdrawal mechanism 53 is withdrawn (withdrawn) the cash of the amount of money.

Here, the ATM 50 and the portable information terminal 10 will be described with reference to FIG.
FIG. 3 is an external view showing an example of the ATM 50 and the portable information terminal 10 in the present embodiment.
As shown in FIG. 3, the portable information terminal 10 is brought close to the NFC communication unit 12 of the ATM 50, and authentication information (reservation number and reservation time) is transmitted to the ATM 50 using NFC communication (an example of wireless communication). The ATM 50 receives authentication information (reservation number and reservation time) using NFC communication, transmits the received authentication information to the management server device 30 via the NW communication unit 51, and responds to the authentication information. The withdrawal instruction information is received from the management server device 30 via the NW communication unit 51. Then, the ATM 50 discharges the reserved withdrawal amount of cash from the coin deposit / withdrawal port 531 and the banknote deposit / withdrawal port 532 of the deposit / withdrawal mechanism 53 based on the withdrawal instruction information.
In this way, by bringing the portable information terminal 10 close to the NFC communication unit 52 of the ATM 50, the ATM 50 discharges the cash of the withdrawal amount reserved in advance in the IB server device 20 from the deposit / withdrawal mechanism 53.

  Returning to FIG. 1 again, the account host device 40 is provided in the financial institution CT3 and manages an account opened in the financial institution CT3. The billing system host device 40 is connected to the integrated ATM network NW2. The account host device 40 includes an NW communication unit 41, a host control unit 42, a depositor account 43, and a separate deposit / withdrawal port 44.

  The NW communication unit 41 is a communication unit that can be connected to the IB server device 20 and the integrated ATM network NW2. The NW communication unit 41 communicates with the management server device 30 via the integrated ATM network NW2.

  The host control unit 42 is a processor including a CPU, for example, and comprehensively controls the accounting host device 40. The host control unit 42 executes various account processes in response to requests from the IB server device 20 or the management server device 30 via the integrated ATM network NW2. For example, the host control unit 42 executes a process of moving the amount between the designated depositor account 43 and the separate deposit / withdrawal port 44 in accordance with an amount transfer instruction from the IB server device 20. Further, the host control unit 42 executes a process of withdrawing the withdrawal amount from the separate deposit / withdrawal port 44 in accordance with, for example, a withdrawal instruction from the management server device 30 via the integrated ATM network NW2.

The depositor account 43 is an account area of the depositor, and stores, for example, the deposit amount of the depositor. In the Internet bank service provided by the IB server device 20, when executing various transaction processes for transferring the deposit stored in the depositor account 43, a depositor approval process is required.
The separate deposit / withdrawal port 44 is an account area different from the depositor account 43. For example, deposits are transferred from a plurality of depositor accounts 43, and are used as a common withdrawal amount (withdrawal pool amount). accumulate. It should be noted that the amount stored in the separate deposit / withdrawal port 44 can be withdrawn (decreased) in the withdrawal amount without the depositor's approval in response to the withdrawal instruction via the integrated ATM network NW2. To do.

Next, operations of the ATM transaction system 1 according to the present embodiment will be described with reference to the drawings. First, with reference to FIG. 4, the operation | movement of the payment process by the ATM transaction system 1 is demonstrated.
FIG. 4 is a diagram illustrating an example of a withdrawal process of the ATM transaction system 1 according to the present embodiment.
First, when the portable information terminal 10 is operated by the depositor who performs the withdrawal process and executes the withdrawal reservation, the portable information terminal 10 transmits the withdrawal reservation to the IB server device 20 as shown in FIG. (Step S101). In order for the depositor to receive the Internet bank service provided by the IB server device 20, authentication processing with higher security is required than in the case of using a normal cash card and password. The terminal control unit 14 of the portable information terminal 10 transmits a withdrawal reservation including information indicating the withdrawal amount to the IB server device 20 via the NW communication unit 11 and the network NW1.

  Next, the IB server device 20 stores withdrawal reservation information (step S102). The reservation accepting unit 231 of the IB server device 20 accepts a withdrawal reservation from the portable information terminal 10 (depositor) via the NW communication unit 21, and adds a reservation number, a reservation to the withdrawal amount included in the withdrawal reservation. The time and the account information of the depositor are added, and the withdrawal reservation information is stored in the reservation storage unit 221 as shown in FIG.

  Next, the IB server device 20 instructs the account host device 40 to transfer the amount (step S103). That is, the reservation processing unit 232 of the IB server device 20 instructs the reservation receiving unit 231 to move the withdrawal amount included in the accepted withdrawal reservation from the depositor account 43 corresponding to the depositor to the separate deposit / withdrawal port 44. Is transmitted to the accounting host device 40.

  Next, the accounting host device 40 moves the withdrawal amount to the separate deposit / withdrawal port 44 (step S104). That is, the host control unit 42 of the account host device 40 moves the withdrawal amount from the depositor account 43 to the separate deposit / withdrawal port 44. The host control unit 42 compares the deposit amount of the depositor account 43 corresponding to the depositor and the withdrawal amount to confirm that the deposit amount of the depositor account 43 is larger than the withdrawal amount. When the deposit amount of the depositor account 43 is larger than the withdrawal amount, the host control unit 42 moves the withdrawal amount from the depositor account 43 to the separate deposit / withdrawal port 44.

  Further, the IB server device 20 transmits the withdrawal reservation information to the management server device 30 (step S105). For example, the reservation processing unit 232 stores the withdrawal reservation information in which the withdrawal amount, the account information (bank code, store number code, account type, account number), the reservation number, and the reservation time are associated with each other. Send to. Here, the reservation number and reservation time transmitted to the management server device 30 are set as reservation identification information (first reservation identification information).

  Next, the management server device 30 stores the withdrawal reservation information (step S106). The reception processing unit 331 of the management server device 30 receives the withdrawal reservation information via the NW communication unit 31, and stores the received withdrawal reservation information in the reservation storage unit 321.

  Further, the IB server device 20 transmits authentication information to the portable information terminal 10 (step S107). For example, the reservation processing unit 232 transmits the reservation number and the reservation time as authentication information (second reservation identification information) to the portable information terminal 10 via the NW communication unit 21 and the network NW1. The terminal control unit 14 of the portable information terminal 10 receives the authentication information via the NW communication unit 11 and causes the terminal storage unit 13 to store the received authentication information.

  Next, as shown in FIG. 3, when the depositor brings the portable information terminal 10 close to the NFC communication unit 52 of the ATM 50, the portable information terminal 10 transmits the authentication information to the ATM 50 (step S108). That is, the terminal control unit 14 of the portable information terminal 10 uses the wireless communication by the NFC communication unit 12 and uses the reservation number and the reservation time stored in the terminal storage unit 13 as authentication information (second reservation identification information) as an ATM 50. Send to.

  Next, the ATM 50 transmits authentication information (second reservation identification information) to the management server device 30 (step S109). The ATM control unit 54 of the ATM 50 transmits the authentication information received via the NFC communication unit 52 to the management server device 30 via the NW communication unit 51.

  Next, the management server device 30 determines whether or not the authentication information and the reservation identification information match (step S110). That is, the transaction processing unit 332 of the management server device 30 matches the authentication information (second reservation identification information) received from the ATM 50 with the reservation identification information (first reservation identification information) stored in the reservation storage unit 321. Determine whether or not. When the authentication information matches the reservation identification information (step S110: YES), the transaction processing unit 332 advances the process to step S111, and executes a withdrawal process with a withdrawal reservation. Further, the transaction processing unit 332 does not execute the withdrawal process by the withdrawal reservation when the authentication information and the reservation identification information do not match (step S110: NO).

  In step S <b> 111, the management server device 30 transmits a withdrawal instruction to the ATM 50. The transaction processing unit 332 transmits to the ATM 50 a withdrawal instruction for withdrawing a withdrawal amount corresponding to the reservation identification information that matches the authentication information (reservation number and reservation time) received from the ATM 50.

  Next, the ATM 50 withdraws the withdrawal amount (step S112). The ATM control unit 54 receives a withdrawal instruction from the management server device 30 via the NW communication unit 51, and causes the deposit / withdrawal mechanism 53 to discharge the cash of the withdrawal amount based on the received withdrawal instruction. Thereby, the depositor who made the withdrawal reservation receives cash of the reserved withdrawal amount.

  Next, the ATM 50 transmits a withdrawal completion notice to the management server device 30 (step S113). That is, the ATM control unit 54 transmits a withdrawal completion notification indicating that the withdrawal process in the ATM 50 is completed to the management server device 30 via the NW communication unit 51.

  Next, the management server device 30 transmits a withdrawal instruction to the account host device 40 (step S114). In response to the withdrawal completion notification received from the ATM, the transaction processing unit 332 sends a withdrawal instruction for reducing the withdrawal amount from the separate deposit / withdrawal port 44 to the accounting host device 40 via the integrated ATM network NW2. Send.

  Next, the accounting host device 40 withdraws the withdrawal amount from the separate deposit / withdrawal port 44 (step S115). Based on the withdrawal instruction received from the management server device 30 via the integrated ATM network NW2, the host control unit 42 withdraws from the amount stored in the separate deposit / withdrawal port 44 (withdrawal pool amount). Decrease the amount.

  Further, the management server device 30 records the completion of the withdrawal reservation (step S116). That is, the transaction processing unit 332 stores “1” in “reservation completed” of the reservation information for which the withdrawal reservation has been completed among the reservation information stored in the reservation storage unit 321. Thereby, the management server device 30 prohibits the same withdrawal reservation from being executed a plurality of times.

  Next, the management server device 30 transmits a withdrawal reservation completion notification to the IB server device 20 (step S117). The transaction processing unit 332 transmits a withdrawal reservation completion notification indicating that the withdrawal reservation has been completed to the IB server device 20 via the NW communication unit 31. The withdrawal reservation completion notice includes, for example, a reservation number and a reservation time.

  Next, the IB server device 20 records the completion of the withdrawal reservation (step S118). That is, the reservation processing unit 232 stores “1” in “reservation complete” of the reservation information for which the withdrawal reservation has been completed among the reservation information stored in the reservation storage unit 221.

  Thus, in the ATM transaction system 1 according to the present embodiment, the mobile information terminal 10 reserves a withdrawal transaction in advance using the Internet bank, and acquires authentication information (reservation number and reservation time). Then, the reserved withdrawal amount can be withdrawn (drawn) simply by bringing the portable information terminal 10 close to (holding over) the ATM 50 and transmitting the authentication information to the ATM 50 using NFC communication.

Next, with reference to FIG. 5, the operation of the reservation cancellation process of the ATM transaction system 1 according to the present embodiment will be described.
FIG. 5 is a diagram showing an example of a reservation cancellation process of the ATM transaction system 1 according to the present embodiment. The example shown in FIG. 5 describes a reservation cancellation process for canceling a reservation when a reserved withdrawal reservation is not executed in the ATM 50 and a predetermined period or more has elapsed.
In FIG. 5, the process from step S201 to step S207 is the same as the process from step S101 to step S107 shown in FIG.

  In step S208, the IB server device 20 determines whether or not a predetermined period has elapsed since the reservation time. The reservation processing unit 232 of the IB server device 20 determines whether or not there is withdrawal reservation information that has passed a predetermined period from the reservation time included in the withdrawal reservation information among the withdrawal reservation information stored in the reservation storage unit 221. Determine. When a predetermined period or more has elapsed from the reservation time (step S208: YES), the reservation processing unit 232 advances the processing to step S209 and executes reservation cancellation. Moreover, the reservation process part 232 returns a process to step S208, when the predetermined period or more has not passed since reservation time (step S208: NO).

  In step S209, the IB server device 20 cancels the withdrawal reservation. That is, the reservation processing unit 232 stores “1” in “reservation cancellation” of the withdrawal reservation information that has passed a predetermined period or more from the reservation time among the withdrawal reservation information stored in the reservation storage unit 221.

  Next, the IB server device 20 instructs the account host device 40 to transfer the amount (step S210). That is, the reservation processing unit 232 issues an instruction to move (return) the withdrawal amount of the canceled withdrawal reservation from the separate deposit / withdrawal port 44 to the depositor account 43 corresponding to the depositor of the withdrawal reservation. To the host device 40.

  Next, the accounting host device 40 returns the withdrawal amount from the separate deposit / withdrawal port 44 (step S211). That is, the host control unit 42 moves the withdrawal amount from the separate deposit / withdrawal port 44 to the depositor account 43.

  Further, the IB server device 20 transmits a reservation cancellation instruction to the management server device 30 (step S212). For example, the reservation processing unit 232 transmits a reservation cancellation instruction including a reservation number to the management server device 30.

  Next, the management server device 30 cancels the withdrawal reservation (step S213). That is, the transaction processing unit 332 sets the withdrawal reservation information corresponding to the reservation number included in the reservation cancellation instruction among the withdrawal reservation information stored in the reservation storage unit 321 to the withdrawal after a predetermined period from the reservation time. It is determined as reservation information, and “1” is stored in “reservation cancellation” of the withdrawal reservation information.

  As described above, the ATM transaction system 1 (automatic cash transaction system) according to the present embodiment includes the IB server device 20 (Web server device) that provides a transaction service of the financial institution CT3 via the network NW1, and the ATM 50 (cash). And a management server device 30 that manages an automatic transaction apparatus). The IB server device 20 includes a reservation receiving unit 231 and a reservation processing unit 232. The reservation accepting unit 231 accepts a withdrawal reservation for withdrawing the designated withdrawal amount from the depositor account 43 (depositor's account) via the network NW1. The reservation processing unit 232, according to the withdrawal reservation received by the reservation accepting unit 231, reservation identification information (first reservation identification information) for identifying a withdrawal reservation, financial institution information for identifying the financial institution CT3, and withdrawal Withdrawal reservation information associated with withdrawal instruction information including the amount is transmitted to the management server device 30. And the reservation reception part 231 transmits the instruction | indication which moves the withdrawal amount from the depositor account 43 to the deposit deposit outlet 44 (deposit withdrawal account) different from the depositor account 43 to financial institution CT3. In addition, the management server device 30 includes a reception processing unit 331 and a transaction processing unit 332. The reception processing unit 331 receives withdrawal reservation information from the IB server device 20. The transaction processing unit 332 acquires the authentication information (second reservation identification information) input to the ATM 50, and based on the withdrawal instruction information corresponding to the reservation identification information that matches the acquired authentication information, cash of the withdrawal amount Is withdrawn from the ATM 50, and the withdrawal amount is reduced from the separate deposit / withdrawal port 44.

  Thereby, the ATM transaction system 1 according to the present embodiment allows the ATM 50 to receive the cash of the withdrawal amount corresponding to the withdrawal reservation by inputting the authentication information matching the reservation time-specific information of the withdrawal reservation to the ATM 50. Withdraw money. Therefore, for example, the ATM transaction system 1 according to the present embodiment does not need to perform operations such as insertion of a cash card or selection of a transaction screen, and can reduce the waiting time of the ATM 50 and improve convenience. Can do.

In the present embodiment, the authentication information is input from the portable information terminal 10 to the ATM 50 using wireless communication (for example, NFC communication).
Thereby, the ATM transaction system 1 according to the present embodiment can perform the withdrawal process by the withdrawal reservation by bringing the portable information terminal 10 closer to the ATM 50. Therefore, the ATM transaction system 1 according to the present embodiment can further improve convenience.

In the present embodiment, the IB server device 20 transmits a reservation cancellation instruction for canceling the withdrawal reservation to the management server device 30 when a predetermined period or more has elapsed since the reservation time at which the withdrawal reservation was made, The management server device 30 cancels the withdrawal reservation based on the reservation cancellation instruction.
Thereby, the ATM transaction system 1 according to the present embodiment can invalidate the reservation when a predetermined period has elapsed from the reservation, and can improve the security of the withdrawal process.

In the present embodiment, since the IB server device 20 uses the transaction service of the Internet bank when making a withdrawal reservation, an authentication process with higher security than that using a normal cash card and PIN is performed. I need. Further, the IB server device 20 moves the reserved withdrawal amount from the depositor account 43 to a separate deposit withdrawal port 44 that does not require a depositor's certificate, and the management server device 30 operates the integrated ATM system. The withdrawal amount reserved from the separate deposit / withdrawal port 44 is withdrawn via 60.
As a result, the ATM transaction system 1 according to the present embodiment performs a withdrawal process from the ATM 50 that does not require an authentication process using a cash card and a password while maintaining higher security than when using a cash card and a password. to enable. Therefore, the ATM transaction system 1 according to the present embodiment can improve convenience while maintaining high security. Moreover, since the ATM transaction system 1 according to the present embodiment can use an existing system such as the Internet bank or the integrated ATM system 60 as it is, it is possible to improve convenience while coexisting with the existing system.

  Moreover, in ATM transaction system 1 by this embodiment, ATM50 does not require an operation screen and an operation input part. Therefore, the ATM 50 does not need to store a large amount of operation screen data, and can simplify the configuration. Therefore, in the ATM transaction system 1 according to the present embodiment, the cost of the ATM 50 can be reduced.

In the ATM transaction system 1 according to the present embodiment, the reservation identification information (first reservation identification information) and the authentication information (second reservation identification information) include a reservation number and a reservation time. The ATM transaction system 1 according to the present embodiment can reduce the impersonation of a reserved depositor by including a reservation time in reservation identification information (first reservation identification information) and authentication information (second reservation identification information). , Can improve security.
In order to further improve security, the portable information terminal 10 may perform owner authentication of the portable information terminal 10 when transmitting the authentication information (second reservation identification information).

In addition, the management server device 30 according to the present embodiment includes a reception processing unit 331 and a transaction processing unit 332. The reception processing unit 331 receives withdrawal reservation information. Here, the withdrawal reservation information is a withdrawal reservation accepted by the IB server device 20 that provides the transaction service of the financial institution CT3 via the network NW1, and the designated withdrawal amount is obtained via the network NW1. This is information in which first reservation identification information for identifying a withdrawal reservation withdrawn from the depositor account 43 is associated with withdrawal instruction information including the financial institution information for identifying the financial institution CT3 and the withdrawal amount. The transaction processing unit 332 acquires the second reservation identification information input to the ATM 50 and, based on the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information, Cash is withdrawn from the ATM 50, and the withdrawal amount is reduced from a separate withdrawal outlet 44 that is different from the depositor account 43 and the withdrawal amount has been transferred from the depositor account 43. .
Thereby, the management server apparatus 30 by this embodiment can reduce the waiting time of ATM50, and can improve the convenience similarly to the ATM transaction system 1 mentioned above.

Moreover, the cash automatic transaction method according to the present embodiment is an automatic cash transaction of the ATM transaction system 1 including the IB server device 20 that provides a transaction service of the financial institution CT3 via the network NW1 and the management server device 30 that manages the ATM 50. The transaction method includes a reservation reception step, a reservation processing step, a reception processing step, and a transaction processing step.
In the reservation accepting step, the IB server device 20 accepts a withdrawal reservation for withdrawing the designated withdrawal amount from the depositor account 43 via the network NW1. In the reservation processing step, the first reservation identification information for identifying the withdrawal reservation, the financial institution information for identifying the financial institution CT3, and the withdrawal amount, in accordance with the withdrawal reservation accepted by the IB server device 20 in the reservation acceptance step. Is sent to the management server device 30 and the amount to be withdrawn is transferred from the depositor account 43 to a deposit / withdrawal port different from the depositor account 43. Is transmitted to the financial institution CT3. In the reception processing step, the management server device 30 receives the withdrawal reservation information. In the transaction processing step, the management server device 30 acquires the second reservation identification information input to the ATM 50, and based on the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information. The cash amount of the withdrawal amount is withdrawn to the ATM 50 and the withdrawal amount is reduced from the deposit / withdrawal port.
Thereby, the cash automatic transaction method by this embodiment can reduce the waiting time of ATM50 similarly to the ATM transaction system 1 mentioned above, and can improve the convenience.

In the above-described embodiment, the example in which the reservation number and the reservation time are used as the reservation identification information (first reservation identification information) and the authentication information (second reservation identification information) has been described. The reservation identification information) and the authentication information (second reservation identification information) need only include at least a reservation number.
Moreover, although the example which uses account information as financial institution information which identifies financial institution CT3 was demonstrated in this embodiment mentioned above, you may include the identification code which identifies financial institution CT3 in a reservation number.

  Further, in the present embodiment described above, an example has been described in which the reservation information stored in the reservation storage unit 221 and the reservation storage unit 321 is used to perform reservation completion and reservation cancellation processing using “reservation completion” and “reservation cancellation”. However, the corresponding reservation information may be deleted from the reservation storage unit 221 and the reservation storage unit 321. Further, the IB server device 20 may delete the corresponding withdrawal reservation information from the reservation storage unit 221 after transmitting the withdrawal reservation information to the management server device 30.

Further, in the above-described embodiment, the example in which the deposit amount is stored as a common withdrawal amount (withdrawal pool amount) in the separate deposit / withdrawal port 44 has been described. 43 may be provided for each depositor. In this case, the withdrawal reservation information includes account information indicating the depositor account 43, and the transaction processing unit 332 determines that the deposit account 44 corresponding to the depositor account 43 is based on the account information. You may make it reduce the withdrawal amount. Thereby, the ATM transaction system 1 by this embodiment can raise security further.
Further, in the ATM transaction system 1 according to the present embodiment, the reconciliation process is periodically executed between the withdrawal amount processed by the management server device 30 and the withdrawal pool amount of the separate deposit / withdrawal port 44. It may be.

In the above-described embodiment, the example in which the management server device 30 and the accounting host device 40 are connected via the integrated ATM system 60 (integrated ATM network NW2) has been described. You may make it connect. For example, the management server device 30 and the account host device 40 are connected as a system of one bank including the operation center CT2, and the ATM transaction system 1 is only for the own bank ATM 50 to the own bank user. It may be realized as an available system.
In the above-described embodiment, when the withdrawal amount is transferred from the depositor account 43 to the separate deposit / withdrawal port 44, the host control unit 42 of the account host device 40 determines the depositor account from the withdrawal amount. Although the example which confirms that the deposit amount of 43 is large was demonstrated, it is not limited to this. For example, the reservation processing unit 232 acquires the deposit amount of the depositor account 43 corresponding to the depositor of the account host device 40, and when the deposit amount of the depositor account 43 is larger than the withdrawal amount, the withdrawal processing unit 232 An instruction to transfer the amount from the depositor account 43 to the separate deposit / withdrawal port 44 may be transmitted to the account host device 40.

[Second Embodiment]
Next, an ATM transaction system 1a according to the second embodiment will be described with reference to the drawings. In the first embodiment described above, the withdrawal process by the withdrawal reservation has been described. In the present embodiment, an example in which the deposit process is further extended to the deposit reservation process will be described.
FIG. 6 is a functional block diagram showing an example of the ATM transaction system 1a according to the present embodiment.
As shown in FIG. 6, the ATM transaction system 1a includes a portable information terminal 10, an IB server device 20a, a management server device 30a, a billing system host device 40a, and an ATM 50. In this figure, the same components as those in FIG. 1 described above are denoted by the same reference numerals and description thereof is omitted.

The IB server device 20a (an example of a Web server device) is a server device provided in the IB center CT1, and provides a transaction service of the financial institution CT3 via the network NW1. The IB server device 20a includes an NW communication unit 21, an IB storage unit 22a, and an IB control unit 23a.
The IB storage unit 22a stores various types of information used for processing executed by the IB server device 20a. The IB storage unit 22a includes a reservation storage unit 221a.

The reservation storage unit 221a stores reservation information for the withdrawal reservation process and the deposit reservation process. For example, as shown in FIG. 7, the reservation storage unit 221 a includes “withdrawal amount”, “account information”, “reservation number”, “reservation time”, “reservation completed”, and “reservation cancellation”. Are stored in association with each other.
FIG. 7 is a diagram illustrating a data example of the reservation storage unit 221a in the present embodiment.
In FIG. 7, “withdrawal amount” indicates the reservation amount (transaction amount) designated in the withdrawal reservation and deposit reservation, and “account information” indicates the account of the depositor traded with the withdrawal reservation and the deposit reservation. Information is shown. Here, the account information includes, for example, a bank code, a store number code, an account type, an account number, and the like, and the account information is an example of financial institution information for identifying the financial institution CT3. The “reservation number” is identification information for identifying a withdrawal reservation or deposit reservation, and the “reservation time” indicates the time when the withdrawal reservation or deposit reservation is accepted. The “reservation time” may be a part of identification information for identifying a withdrawal reservation or a deposit reservation. For the “reservation number”, for example, “0” is assigned to the most significant digit in the case of a withdrawal reservation, and “1” is assigned to the most significant digit in the case of a deposit reservation.

  “Reservation complete” is information indicating whether a withdrawal reservation or deposit reservation transaction is completed in ATM 50. For example, when a withdrawal reservation or deposit reservation transaction is completed, “ 1 "is stored, and it becomes Null when the withdrawal reservation or deposit reservation transaction is not completed. “Reservation cancellation” is information indicating whether a withdrawal reservation or a deposit reservation has been canceled. For example, when a withdrawal reservation or a deposit reservation is canceled, “1” is stored, If the reservation or deposit reservation has not been canceled, it will be Null.

  In the example shown in FIG. 7, “withdrawal amount” is “1,000 yen”, “account information” is “XXX-XXX...”, “Reservation number” is “0XXX0001”, and “reservation time” is “11”. 0:00 "indicates a withdrawal reservation, and" reservation complete "is" 1 ", indicating that the transaction has already been completed. In addition, a reservation with “withdrawal amount” “50,000 yen”, “account information” “XXX-XXX...”, “Reservation number” “1XXX0002”, and “reservation time” “12:00” , Deposit reservation, and “reservation complete” is “1”, indicating that the transaction has already been completed.

Returning to the description of FIG. 6, the IB control unit 23 a is a processor including a CPU, for example, and comprehensively controls the IB server device 20 a. The IB control unit 23a includes, for example, a reservation receiving unit 231a and a reservation processing unit 232a.
The processing related to the withdrawal process in the reservation receiving unit 231a and the reservation processing unit 232a is the same as that of the reservation receiving unit 231 and the reservation processing unit 232 in the first embodiment. The reservation receiving unit 231a and the reservation processing unit 232a are different from the reservation receiving unit 231 and the reservation processing unit 232 of the first embodiment in that the processing related to the deposit process is executed.

  The reservation accepting unit 231a accepts a deposit reservation for depositing the designated deposit amount into the depositor account 43 (depositor's account) via the network NW1. The reservation accepting unit 231a accepts a deposit reservation including the deposit amount from the portable information terminal 10 via the network NW1 and the NW communication unit 21, for example, using the Internet bank Web service.

The reservation processing unit 232a, according to the payment reservation received by the reservation receiving unit 231a, third reservation identification information for identifying a deposit reservation, financial institution information for identifying the financial institution CT3, and withdrawal instruction information including a withdrawal amount Is sent to the management server device 30a. Here, the third reservation identification information is, for example, the above-described reservation number and reservation time, and the financial institution information is, for example, the above-described account information. The reservation processing unit 232a, for example, deposit reservation information in which a withdrawal amount, account information (bank code, store number code, account type, account number), and a reservation number and a reservation time (first reservation identification information) are associated with each other. Is stored in the reservation storage unit 221a. In addition, the reservation processing unit 232a transmits the deposit reservation information to the management server device 30a via the NW communication unit 21.
Further, the reservation processing unit 232a transmits, for example, the reservation number and the reservation time as authentication information (second reservation identification information) to the portable information terminal 10 that is the transmission source of the payment reservation via the network NW1 and the NW communication unit 21. To do.

Further, when the reservation processing unit 232a receives a reservation completion notification indicating that the deposit reservation transaction has been completed from the management server device 30a, the reservation processing unit 232a sets “reservation completion” corresponding to the withdrawal reservation in the reservation storage unit 221a to “ 1 "is memorized.
In addition, the reservation processing unit 232a transmits to the financial institution CT3 an instruction to move the reserved deposit amount from the depositor account 43 to the separate deposit transfer port 45 (deposit transfer port). In other words, the reservation processing unit 232a transmits, via the NW communication unit 21, an instruction to move the deposit amount designated in the deposit reservation from the separate deposit transfer port 45 to the depositor account 43 to the account host device 40a. .

Further, the reservation processing unit 232a stores “1” in “reservation cancellation” corresponding to the reservation time in the reservation storage unit 221a when a predetermined period or more has elapsed from the reservation time of the deposit reservation.
Further, the reservation processing unit 232a transmits a reservation cancellation instruction for instructing cancellation of the deposit reservation to the management server device 30a via the NW communication unit 21 when a predetermined period or more has elapsed from the reservation time of the deposit reservation. To do.

The management server device 30a is a server device provided in the operation center CT2, and is a server device that manages the ATM 50. The management server device 30a includes an NW communication unit 31, a management storage unit 32a, and a management control unit 33a.
The management storage unit 32a stores various types of information used for processing executed by the management server device 30a. The management storage unit 32a includes a reservation storage unit 321a.

  The reservation storage unit 321a stores the deposit reservation information and the withdrawal reservation information received from the IB server device 20a. As with the reservation storage unit 221a shown in FIG. 7, for example, the reservation storage unit 321a includes “withdrawal amount”, “account information”, “reservation number”, “reservation time”, and “reservation completion”. , “Reservation cancellation” is stored in association with each other.

The management control unit 33a is a processor including a CPU, for example, and comprehensively controls the management server device 30a. The management control unit 33a includes, for example, a reception processing unit 331a and a transaction processing unit 333a.
In addition, the process regarding the withdrawal process in the reception processing unit 331a and the transaction processing unit 333a is the same as that of the reception processing unit 331 and the transaction processing unit 333 in the first embodiment. The reception processing unit 331a and the transaction processing unit 333a are different from the reception processing unit 331 and the transaction processing unit 333 of the first embodiment in that the processing related to the deposit process is executed.

  The reception processing unit 331a receives the deposit reservation information transmitted from the IB server device 20a via the NW communication unit 31. The reception processing unit 331a stores the received payment reservation information in the reservation storage unit 321a.

  The transaction processing unit 332a acquires authentication information (reservation number and reservation time) input to the ATM 50, and first reservation identification information (reservation number and reservation time) that matches the acquired authentication information (reservation number and reservation time) Based on the deposit instruction information corresponding to, cash of the deposit amount is deposited in the ATM 50. That is, the transaction processing unit 332a determines whether or not the reservation number and reservation time input to the ATM 50 match the reservation number and reservation time included in the deposit reservation information stored in the reservation storage unit 321a. When the transaction processing unit 332a matches, the transaction processing unit 332a transmits the deposit instruction information corresponding to the reservation number and the reservation time to the ATM 50, and deposits the cash of the deposit amount from the ATM 50.

  In this case, the transaction processing unit 332a causes the account host device 40a to transfer the deposit amount to the separate deposit transfer port 45 via the NW communication unit 31 and the integrated ATM network NW2. Further, the transaction processing unit 332a stores “1” in “reservation completion” of the reservation storage unit 321a corresponding to the deposit reservation information for which the deposit transaction has been completed, and notifies the NW communication unit 31 of the reservation completion notification of the deposit reservation. To the IB server device 20a.

  Further, the transaction processing unit 332a cancels the payment reservation information corresponding to the reservation cancellation instruction when receiving the reservation cancellation instruction for instructing cancellation of the payment reservation from the IB server device 20a via the NW communication unit 31. That is, the transaction processing unit 332a stores “1” in “reservation cancellation” of the reservation storage unit 321a corresponding to the reservation cancellation instruction.

  The account host device 40a is provided in the financial institution CT3 and manages an account opened in the financial institution CT3. The billing system host device 40a is connected to the integrated ATM network NW2. The account host device 40 a includes an NW communication unit 41, a host control unit 42, a depositor account 43, a separate deposit / withdrawal port 44, and a separate deposit / transfer account 45.

  The separate deposit transfer port 45 is an account area different from the depositor account 43. For example, a common deposit amount (payment pool amount) is accumulated, and when depositing, a deposit amount ( Move as deposit amount). Note that the amount stored in the separate deposit transfer port 45 can be deposited (transferred) without confirming the depositor account in response to the deposit instruction via the integrated ATM network NW2.

Next, operations of the ATM transaction system 1a according to the present embodiment will be described with reference to the drawings.
FIG. 8 is a diagram showing an example of a deposit process of the ATM transaction system 1a according to the present embodiment.
First, when the portable information terminal 10 is operated by the depositor performing the deposit processing and the deposit reservation is executed, the portable information terminal 10 transmits the deposit reservation to the IB server device 20a as shown in FIG. 8 (step S301). ). The terminal control unit 14 of the portable information terminal 10 transmits a deposit reservation including information indicating the deposit amount to the IB server device 20a via the NW communication unit 11 and the network NW1.

  Next, the IB server device 20a stores payment reservation information (step S302). The reservation accepting unit 231a of the IB server device 20a accepts a deposit reservation from the portable information terminal 10 (depositor) via the NW communication unit 21, and includes a reservation number, a reservation time, and a deposit amount included in the deposit reservation. The account information of the depositor is added, and the deposit reservation information is stored in the reservation storage unit 221a as shown in FIG.

  Further, the IB server device 20a transmits the deposit reservation information to the management server device 30a (step S303). For example, the reservation processing unit 232a transmits, to the management server device 30a, payment reservation information in which a deposit amount, account information (bank code, store number code, account type, account number), a reservation number, and a reservation time are associated with each other. To do. Here, the reservation number and reservation time transmitted to the management server device 30a are set as reservation identification information (first reservation identification information).

  Next, the management server device 30a stores payment reservation information (step S304). The reception processing unit 331a of the management server device 30a receives the deposit reservation information via the NW communication unit 31, and stores the received deposit reservation information in the reservation storage unit 321a.

  Further, the IB server device 20a transmits authentication information to the portable information terminal 10 (step S305). For example, the reservation processing unit 232a transmits the reservation number and the reservation time as authentication information (second reservation identification information) to the portable information terminal 10 via the NW communication unit 21 and the network NW1. The terminal control unit 14 of the portable information terminal 10 receives the authentication information via the NW communication unit 11 and causes the terminal storage unit 13 to store the received authentication information.

Next, as shown in FIG. 3, when the depositor brings the portable information terminal 10 close to the NFC communication unit 52 of the ATM 50, the portable information terminal 10 transmits the authentication information to the ATM 50 (step S306).
Next, the ATM 50 transmits authentication information (second reservation identification information) to the management server device 30a (step S307). The ATM control unit 54 of the ATM 50 transmits the authentication information received via the NFC communication unit 52 to the management server device 30a via the NW communication unit 51.

  Next, the management server device 30a determines whether or not the authentication information matches the reservation identification information (step S308. That is, the transaction processing unit 332a of the management server device 30a receives the authentication information (the first information received from the ATM 50). 2 reservation identification information) and the reservation identification information (first reservation identification information) stored in the reservation storage unit 321a are determined to match each other, and the transaction processing unit 332a matches the authentication information and the reservation identification information. If yes (step S308: YES), the process proceeds to step S309 to execute a deposit process by deposit reservation, and the transaction processing unit 332a does not match the authentication information and the reservation identification information (step S308: NO) ), The deposit process by deposit reservation is not executed.

  In step S309, the management server device 30a transmits a deposit instruction to the ATM 50. The transaction processing unit 332a transmits to the ATM 50 a deposit instruction for depositing a deposit amount corresponding to the reservation identification information that matches the authentication information (reservation number and reservation time) received from the ATM 50.

Next, the ATM 50 deposits the deposit amount (step S310). The ATM control unit 54 receives the deposit instruction from the management server device 30a via the NW communication unit 51, and causes the depositor to deposit the deposit amount cash via the deposit / withdrawal mechanism 53 based on the received deposit instruction. . Thereby, the depositor who made the deposit reservation deposits the reserved deposit amount of cash.
Next, the ATM 50 transmits a payment completion notification to the management server device 30a (step S311).

  Next, the management server device 30a transmits a deposit instruction to the account host device 40a (step S312). The transaction processing unit 332a transmits a deposit instruction for moving the deposit amount to the separate deposit transfer port 45 to the account host device 40a via the integrated ATM network NW2 in response to the deposit completion notification received from the ATM.

  Next, the account host device 40a deposits the deposit amount into the separate deposit transfer port 45 (step S313). Based on the deposit instruction received from the management server device 30a via the integrated ATM network NW2, the host control unit 42 adds the deposit amount to the amount (the deposit pool amount) stored in the separate deposit transfer port 45.

  Also, the management server device 30a records the completion of the deposit reservation (step S314). That is, the transaction processing unit 332a stores “1” in “reservation completed” of the reservation information for which the deposit reservation has been completed among the reservation information stored in the reservation storage unit 321a. Thereby, the management server device 30a prohibits the same deposit reservation from being executed a plurality of times.

  Next, the management server device 30a transmits a payment reservation completion notification to the IB server device 20a (step S315). The transaction processing unit 332a transmits a payment reservation completion notification indicating that the payment reservation is completed to the IB server device 20a via the NW communication unit 31. The payment reservation completion notification includes, for example, a reservation number and a reservation time.

  Next, the IB server device 20a instructs the account host device 40a to transfer the amount (step S316). That is, the reservation processing unit 232a of the IB server device 20a transmits an instruction to move the deposit amount from the separate deposit transfer port 45 to the depositor account 43 corresponding to the depositor to the account host device 40a.

  Next, the account host device 40a moves the deposit amount from the separate deposit transfer port 45 (step S317). In other words, the host control unit 42 of the account host device 40a moves the deposit amount from the separate deposit transfer port 45 to the depositor account 43.

  Next, the IB server device 20a records the completion of the deposit reservation (step S318). That is, the reservation processing unit 232a stores “1” in “reservation completed” of the reservation information for which the payment reservation is completed, among the reservation information stored in the reservation storage unit 221a.

  As described above, in the ATM transaction system 1a according to the present embodiment, the mobile information terminal 10 reserves a deposit transaction in advance using the Internet bank, and acquires authentication information (reservation number and reservation time). Then, the reserved payment amount can be deposited simply by bringing the portable information terminal 10 close to the ATM 50 (holding it) and transmitting the authentication information to the ATM 50 using NFC communication.

  In addition, since the cancellation process of the deposit process of the ATM transaction system 1a according to the present embodiment is the same as that of the first embodiment except that the withdrawal process is changed to the deposit process, the explanation is given here. Omitted. In addition, the withdrawal process and withdrawal process cancellation process of the ATM transaction system 1a according to the present embodiment are the same as those in the first embodiment, and thus the description thereof is omitted here.

  As described above, in the ATM transaction system 1a according to the present embodiment, the reservation receiving unit 231a receives a deposit reservation for depositing the specified deposit amount into the depositor account 43 via the network NW1. The reservation processing unit 232a responds to the payment reservation received by the reservation receiving unit 231a with the reservation identification information (third reservation identification information) for identifying the payment reservation and the payment instruction information including the financial institution information and the payment amount. The attached deposit reservation information is transmitted to the management server device 30a, and an instruction to transfer the deposit amount from the deposit deposit account 45 (deposit deposit account) different from the depositor account 43 to the depositor account 43 is transmitted to the financial institution CT3. To do. In addition, the reception processing unit 331a receives the deposit reservation information. The transaction processing unit 332a causes the ATM 50 to deposit the deposit amount cash based on the deposit instruction information corresponding to the reservation identification information (third reservation identification information) that matches the acquired authentication information (second reservation identification information). Then, the deposit amount is moved to the separate deposit transfer port 45.

  Thereby, the ATM transaction system 1a according to the present embodiment inputs the cash of the deposit amount corresponding to the withdrawal reservation when the authentication information matching the reservation time-specific information of the deposit reservation is input to the ATM 50. . Therefore, for example, the ATM transaction system 1a according to the present embodiment does not need to perform operations such as insertion of a cash card or selection of a transaction screen, can reduce the waiting time of the ATM 50, and further improve convenience. be able to.

  In the above-described embodiment, after the receipt of the deposit amount of cash, the IB server device 20a instructs to transfer the deposit amount from the separate deposit transfer port 45 (deposit transfer port) to the depositor account 43. Although the example which transmits to financial institution CT3 (account system host device 40a) was explained, it is not limited to this. Similar to the withdrawal reservation, the IB server device 20a gives an instruction to move the deposit amount from the separate deposit transfer port 45 (deposit transfer port) to the depositor account 43 when accepting the deposit reservation. It may be transmitted to the host device 40a).

[Third Embodiment]
Next, an ATM transaction system 1b according to a third embodiment will be described with reference to the drawings. In the first embodiment described above, the example in which the withdrawal reservation cancellation process is executed from the IB server device 20 has been described. In the present embodiment, an example executed from the management server device 30 will be described.
FIG. 9 is a functional block diagram showing an example of the ATM transaction system 1b according to the present embodiment.

As shown in FIG. 9, the ATM transaction system 1 b includes a portable information terminal 10, an IB server device 20 b, a management server device 30 b, a billing system host device 40, and an ATM 50. In the present embodiment, the first point is that the IB server device 20b includes an IB control unit 23b (reservation processing unit 232b), and the management server device 30b includes a management control unit 33b (transaction processing unit 332b). Different from the embodiment.
In FIG. 9, the same components as those in FIG. 1 described above are denoted by the same reference numerals, and the description thereof is omitted.

  The transaction processing unit 332b of the management control unit 33b has authentication information (second reservation information) that matches the reservation identification information (first reservation identification information) received from the IB server device 20b even if a predetermined period or more has elapsed from the reservation time. When the identification information) cannot be acquired, a withdrawal reservation cancellation instruction corresponding to the withdrawal reservation information is transmitted to the IB server device 20b. For example, the transaction processing unit 332b determines whether or not there is withdrawal reservation information that has passed a predetermined period from the reservation time included in the withdrawal reservation information, among the withdrawal reservation information stored in the reservation storage unit 321. . The transaction processing unit 332b stores “1” in “reservation cancellation” of the withdrawal reservation information that has passed a predetermined period or more from the reservation time when there is withdrawal reservation information that has passed a predetermined period or more from the reservation time. Further, the transaction processing unit 332b transmits a reservation cancellation instruction to the IB server device 20b via the NW communication unit 31.

  When the reservation processing unit 232b of the IB control unit 23b receives a reservation cancellation instruction from the management server device 30b, “1” is set to “reservation cancellation” of the withdrawal reservation information corresponding to the reservation cancellation instruction in the reservation storage unit 221. Remember. Further, in this case, the reservation processing unit 232b issues an instruction to move (return) the withdrawal amount designated in the withdrawal withdrawal reservation from the separate deposit / withdrawal port 44 to the depositor account 43. It transmits to the host device 40.

Next, with reference to FIG. 10, the operation of the reservation cancellation process of the ATM transaction system 1b according to the present embodiment will be described.
FIG. 10 is a diagram showing an example of reservation cancellation processing of the ATM transaction system 1b according to the present embodiment. The example shown in FIG. 10 describes a reservation cancellation process for canceling a reservation when a reserved withdrawal reservation is not executed in the ATM 50 and a predetermined period or more has elapsed.
In FIG. 10, the processing from step S401 to step S407 is the same as the processing from step S101 to step S107 shown in FIG.

  In step S408, the management server device 30b determines whether or not a predetermined period has elapsed since the reservation time. The transaction processing unit 332b of the management server device 30b determines whether or not there is withdrawal reservation information that has passed a predetermined period from the reservation time included in the withdrawal reservation information among the withdrawal reservation information stored in the reservation storage unit 321. Determine. Transaction processing unit 332b proceeds to step S409 when a predetermined period or more has elapsed from the reservation time (step S408: YES), and executes reservation cancellation. Moreover, the transaction process part 332b returns a process to step S408, when the predetermined period or more has not passed since reservation time (step S408: NO).

  In step S409, the management server device 30b cancels the withdrawal reservation. That is, the transaction processing unit 332b stores “1” in the “reservation cancellation” of the withdrawal reservation information that has passed a predetermined period from the reservation time among the withdrawal reservation information stored in the reservation storage unit 321.

  Next, the management server device 30b transmits a reservation cancellation instruction to the IB server device 20b (step S410). For example, the transaction processing unit 332b transmits a reservation cancellation instruction including a reservation number to the IB server device 20b.

  Next, the IB server device 20b cancels the withdrawal reservation (step S411). That is, the reservation processing unit 232b sets the withdrawal reservation information corresponding to the reservation number included in the reservation cancellation instruction among the withdrawal reservation information stored in the reservation storage unit 221 to the withdrawal after a predetermined period from the reservation time. It is determined as reservation information, and “1” is stored in “reservation cancellation” of the withdrawal reservation information.

  Next, the IB server device 20b instructs the account host device 40 to transfer the amount (step S412). That is, the reservation processing unit 232b issues an instruction to move (return) the withdrawal amount of the canceled withdrawal reservation from the separate deposit / withdrawal port 44 to the depositor account 43 corresponding to the depositor of the withdrawal reservation. To the host device 40.

  Next, the account host device 40 returns the withdrawal amount from the separate deposit / withdrawal port 44 (step S413). That is, the host control unit 42 moves the withdrawal amount from the separate deposit / withdrawal port 44 to the depositor account 43.

As described above, in the ATM transaction system 1b according to this embodiment, the withdrawal reservation information includes the reservation time at which the withdrawal reservation is accepted. If the transaction processing unit 332b fails to acquire authentication information (second reservation identification information) that matches the reservation identification information (first reservation identification information) even after a predetermined period of time has elapsed since the reservation time, the transaction processing unit 332b A withdrawal instruction cancellation instruction corresponding to the money reservation information is transmitted to the IB server device 20b.
As a result, the ATM transaction system 1b according to the present embodiment can invalidate the reservation when a predetermined period has elapsed from the reservation, and can improve the security of the withdrawal process.

The present invention is not limited to the above embodiments, and can be modified without departing from the spirit of the present invention.
For example, in each of the embodiments described above, the ATM 50 has described an example in which authentication information is acquired using NFC communication, but the present invention is not limited to this. For example, the ATM 50 may acquire the authentication information using a two-dimensional code such as a barcode or a QR code (registered trademark), or may acquire the authentication information by a communication means different from NFC communication. May be. When using a two-dimensional code, the two-dimensional code may be displayed on the display unit 16 of the portable information terminal 10 or printed on paper or the like.

  In each of the above embodiments, each of the IB server device 20 (20a, 20b), the management server device 30 (30a, 30b), and the accounting host device 40 (40a) has been described as one server device. It may be realized by a plurality of server devices.

In each of the above embodiments, when the mobile information terminal 10 can detect the position information of the mobile information terminal 10 by, for example, GPS (Global Positioning System), the ATM transaction system 1 (1a, 1b) Alternatively, the following process shown in FIG. 11 may be executed.
FIG. 11 is a diagram showing an example of the ATM location display service of the ATM transaction system 1 (1a, 1b).
As shown in FIG. 11, the portable information terminal 10 transmits position information detected by GPS or the like to the IB server device 20 (20a, 20b) (step S501).

Next, the IB server device 20 (20a, 20b) transmits the position information of the portable information terminal 10 to the management server device 30 (30a, 30b) (step S502).
Next, the management server device 30 (30a, 30b) generates a list of ATM 50 position information within a predetermined distance from the position indicated by the position information of the portable information terminal 10 (step S503). The management server device 30 (30a, 30b) extracts an ATM 50 within a predetermined distance from the position indicated by the received location information of the portable information terminal 10 from the ATMs 50 managed by the management server device 30 (30a, 30b). The management server device 30 (30a, 30b) generates a list of the extracted ATM 50 position information.

Next, the management server device 30 (30a, 30b) transmits a list of ATM 50 position information to the IB server device 20 (20a, 20b) (step S504).
Next, the IB server device 20 (20a, 20b) transmits a list of position information of the ATM 50 to the portable information terminal 10 (step S505).
Next, the portable information terminal 10 displays the ATM position information on the display unit 16 based on the received list of the ATM 50 position information (step S506).

In this way, the IB server device 20 (20a, 20b) acquires the depositor's location information (for example, the location information of the portable information terminal 10), and uses the acquired depositor's location information as the management server device 30 (30a, 30b). 30b). Then, the management server device 30 (30a, 30b), based on the depositor location information transmitted from the IB server device 20 (20a, 20b), the location of the ATM 50 existing within a predetermined distance from the depositor location Information is transmitted to the IB server device 20 (20a, 20b).
Thereby, after the depositor makes a withdrawal reservation or a deposit reservation, the location of the ATM 50 in the vicinity can be known. Therefore, the ATM transaction system 1 (1a, 1b) can further improve convenience.

In addition, each structure with which the ATM transaction system 1 (1a, 1b) mentioned above has a computer system inside. And the program for implement | achieving the function of each structure with which the ATM transaction system 1 (1a, 1b) mentioned above is recorded on a computer-readable recording medium, and the program recorded on this recording medium is read into a computer system The processing in each configuration provided in the above-described ATM transaction system 1 (1a, 1b) may be performed by executing. Here, “loading and executing a program recorded on a recording medium into a computer system” includes installing the program in the computer system. The “computer system” here includes an OS and hardware such as peripheral devices.
Further, the “computer system” may include a plurality of computer devices connected via a network including a communication line such as the Internet, WAN, LAN, and dedicated line. The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. As described above, the recording medium storing the program may be a non-transitory recording medium such as a CD-ROM.

  The recording medium also includes a recording medium provided inside or outside that is accessible from the distribution server in order to distribute the program. In addition, after dividing a program into a plurality of parts and downloading them at different timings, the structure combined with each structure provided in the ATM transaction system 1 (1a, 1b) and the distribution server that distributes each of the divided programs are different. May be. Furthermore, a “computer-readable recording medium” holds a program for a certain period of time, such as a volatile memory (RAM) inside a computer system that becomes a server or client when the program is transmitted via a network. Including things. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

  Moreover, you may implement | achieve part or all of the function mentioned above as integrated circuits, such as LSI (Large Scale Integration). Each function described above may be individually made into a processor, or a part or all of them may be integrated into a processor. Further, the method of circuit integration is not limited to LSI, and may be realized by a dedicated circuit or a general-purpose processor. In addition, when an integrated circuit technology that replaces LSI appears due to the advancement of semiconductor technology, an integrated circuit based on the technology may be used.

1, 1a, 1b ATM transaction system 10 Mobile information terminal 11, 21, 31, 41, 51 NW communication unit 12, 52 NFC communication unit 13 Terminal storage unit 14 Terminal control unit 15 Input unit 16 Display unit 20, 20a, 20b IB Server device 22, 22a IB storage unit 23, 23a, 23b IB control unit 30, 30a, 30b Management server device 32, 32a Management storage unit 33, 33a, 33b Management control unit 40, 40a Account host device 42 Host control unit 43 Depositor account 44 Separate deposit withdrawal port 45 Separate deposit transfer port 50 ATM
53 Deposit / withdrawal mechanism 54 ATM control unit 60 Integrated ATM system 221, 221a, 321, 321a Reservation storage unit 231, 231a Reservation reception unit 232, 232a, 232b Reservation processing unit 331, 331a Reception processing unit 332, 332a, 332b Transaction processing unit 531 Coin deposit / withdrawal port 532 Banknote deposit / withdrawal port CT1 IB center CT2 Operation center CT3 Financial institution NW1 network NW2 Integrated ATM network

Claims (9)

An automatic cash transaction system comprising a Web server device that provides a transaction service of a financial institution via a network, and a management server device that manages the automatic cash transaction device,
The web server device
A reservation accepting unit for accepting a withdrawal reservation for withdrawing a designated withdrawal amount from a depositor's account via the network;
First reservation identification information for identifying the withdrawal reservation according to the withdrawal reservation received by the reservation accepting unit, financial institution information for identifying the financial institution and withdrawal instruction information including the withdrawal amount; Is sent to the management server device, and the withdrawal amount from the depositor's account is a deposit withdrawal port different from the depositor's account, and is used for withdrawal. A reservation processing unit that accumulates the amount of money and sends an instruction to the bank to transfer the amount for withdrawal to a deposit / withdrawal port that can be reduced;
The management server device
A reception processing unit for receiving the withdrawal reservation information;
The second reservation identification information input to the automatic teller machine is acquired, and the withdrawal is performed based on the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information. A transaction processing unit that causes the cash automatic transaction apparatus to withdraw cash of an amount, and to reduce the withdrawal amount from the deposit / withdrawal port, and
The automatic cash transaction system, wherein the first reservation identification information and the second reservation identification information include a reservation number corresponding to the withdrawal reservation and a reservation time when the withdrawal reservation is accepted. The reservation processing unit instructs cancellation of the withdrawal reservation when a predetermined period or more has elapsed from the reservation time, transmits a reservation cancellation instruction including the reservation number to the management server device, and An instruction to move the withdrawal amount of the withdrawal reservation instructed to be canceled from the deposit outlet to the depositor's account of the withdrawal reservation is transmitted to the financial institution,
The automated transaction system according to claim 1, wherein the transaction processing unit cancels the withdrawal reservation corresponding to the reservation number included in the reservation cancellation instruction. A portable information terminal that makes the withdrawal reservation to the Web server device via the network;
It is possible to communicate with the portable information terminal by short-range wireless communication, and includes the automatic teller machine without the display unit and the operation unit for displaying the operation screen,
The reservation processing unit transmits the first reservation identification information to the portable information terminal according to the withdrawal reservation,
The transaction processing unit acquires the first reservation identification information input from the portable information terminal to the cash automatic transaction apparatus through the short-range wireless communication as second reservation identification information, and the acquired second reservation identification information Based on the withdrawal instruction information corresponding to the first reservation identification information that coincides with the cash, the cash of the withdrawal amount is withdrawn to the automatic teller machine, and the withdrawal amount is calculated from the deposit withdrawal opening. The automatic cash transaction system according to claim 1 or 2, wherein the cash is reduced. The deposit / withdrawal port is provided corresponding to the account of the depositor,
The withdrawal reservation information includes account information indicating the depositor's account,
The said transaction processing part reduces the said withdrawal amount from the said deposit withdrawal port corresponding to the said depositor's account based on the said account information. Any one of Claim 1 to 3 characterized by the above-mentioned. Automatic cash transaction system according to item. The reservation accepting unit accepts a deposit reservation for depositing a specified deposit amount into the depositor's account via the network,
The reservation processing unit associates the third reservation identification information for identifying the deposit reservation with the deposit instruction information including the financial institution information and the deposit amount according to the deposit reservation received by the reservation accepting unit. Sending the deposit reservation information to the management server device, and sending an instruction to the depositor to transfer the deposit amount from the deposit transfer account different from the depositor's account to the depositor's account,
The reception processing unit receives the deposit reservation information,
The transaction processing unit causes the cash automatic transaction apparatus to deposit cash of the deposit amount based on the deposit instruction information corresponding to the third reservation identification information that matches the acquired second reservation identification information, The cash automatic transaction system according to any one of claims 1 to 4, wherein the deposit amount is added to the deposit amount. The web server device
Acquiring the depositor's location information, and transmitting the acquired depositor's location information to the management server device;
The management server device
Based on the position information of the depositor transmitted from the Web server apparatus, the position information of the cash automatic transaction apparatus existing within a predetermined distance from the position of the depositor is transmitted to the Web server apparatus. The automatic cash transaction system according to any one of claims 1 to 5, wherein the automatic cash transaction system is characterized. A withdrawal reservation accepted by a Web server device that provides a transaction service of a financial institution via a network, and a withdrawal reservation for withdrawing a designated withdrawal amount from a depositor's account via the network A reception processing unit that receives withdrawal reservation information that associates first reservation identification information to be identified with financial institution information that identifies the financial institution and withdrawal instruction information that includes the withdrawal amount;
The second reservation identification information input to the automatic teller machine is acquired, and the withdrawal amount is based on the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information. The cash automatic transaction device is allowed to withdraw cash, and is an account different from the depositor's account, accumulates the amount for withdrawal, and allows the withdrawal to be reduced by withdrawal. A transaction processing unit that reduces the withdrawal amount from a deposit withdrawal port to which the withdrawal amount has been transferred from the depositor's account,
The management server device, wherein the first reservation identification information and the second reservation identification information include a reservation number corresponding to the withdrawal reservation and a reservation time when the withdrawal reservation is accepted. A cash automatic transaction method of an automatic cash transaction system comprising a Web server device that provides a transaction service of a financial institution via a network and a management server device that manages the automatic cash transaction device,
A reservation accepting step for accepting a withdrawal reservation for the web server device to withdraw a designated withdrawal amount from a depositor's account via the network;
The Web server device includes first reservation identification information for identifying the withdrawal reservation, financial institution information for identifying the financial institution, and the withdrawal amount according to the withdrawal reservation received in the reservation accepting step. The withdrawal reservation information associated with the withdrawal instruction information included is transmitted to the management server device, and the withdrawal amount from the depositor's account is different from the depositor's account. A reservation processing step of accumulating an amount for withdrawal, and transmitting an instruction to the financial institution to move the amount for withdrawal to a deposit / withdrawal port that can be reduced by withdrawal,
A reception processing step in which the management server device receives the withdrawal reservation information;
The management server device acquires the second reservation identification information input to the automatic teller machine, and the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information. And a transaction processing step of causing the automatic cash transaction apparatus to withdraw the cash of the withdrawal amount and reducing the withdrawal amount from the deposit / withdrawal port,
The automatic cash transaction method, wherein the first reservation identification information and the second reservation identification information include a reservation number corresponding to the withdrawal reservation and a reservation time when the withdrawal reservation is accepted. On the computer,
A withdrawal reservation accepted by a Web server device that provides a transaction service of a financial institution via a network, and a withdrawal reservation for withdrawing a designated withdrawal amount from a depositor's account via the network Receiving processing step of receiving withdrawal reservation information in which first reservation identification information for identifying, financial institution information for identifying the financial institution and withdrawal instruction information including the withdrawal amount are associated with each other;
The second reservation identification information input to the automatic teller machine is acquired, and the withdrawal amount is based on the withdrawal instruction information corresponding to the first reservation identification information that matches the acquired second reservation identification information. The cash automatic transaction device is allowed to withdraw cash, and is an account different from the depositor's account, accumulates the amount for withdrawal, and allows the withdrawal to be reduced by withdrawal. A transaction processing step for reducing the withdrawal amount from a deposit withdrawal port to which the withdrawal amount has been transferred from the depositor's account,
The first reservation identification information and the second reservation identification information include a reservation number corresponding to the withdrawal reservation and a reservation time when the withdrawal reservation is accepted.

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