JP6487319B2 - Mobile terminal for cashing deposits and savings and cashing system - Google Patents

Description

  The present invention relates to a portable terminal for cashing deposits and savings, a cashing processing system, and the like.

  With the spread of Internet banking and smartphones, convenience for users using banks has improved significantly. For example, a technique has been developed in which a withdrawal operation is performed in advance using a mobile terminal, and the result of the operation is sent to an ATM to perform a withdrawal process (Patent Document 1). It is also possible to use an ATM only for cash discharge processing by performing an ATM deposit / withdrawal operation using a smartphone. Thereby, the occupation time of ATM by a user can be shortened. In addition, a system has been developed in which a withdrawal process and electronic money can be acquired by net banking, and an arbitrary amount of money can be cashed by ATM (Patent Document 2). Furthermore, a system for easily cashing data stored in a portable terminal using a vending machine connected to a financial server via a network has been developed (Patent Document 3). There is also known a system that can freely cash electronic money stored in a portable terminal or the like (Patent Document 4).

Japanese Patent No. 4607932 Japanese Patent No. 5203666 Japanese Patent No. 4634091 Japanese Patent No. 3568426

The known prior art has the following problems to be solved.
By combining the technology described in Patent Literature 2 and the technology described in Patent Literature 3 and Patent Literature 4, deposits and withdrawals can be withdrawn by Internet banking and stored as electronic money in a portable terminal, such as an ATM or a vending machine. It becomes possible to cash electronic money using. However, the technologies described in these documents require the presence of an ATM connected to the banking financial system of the bank, or communication between the vending machine and the financial system when using a vending machine or the like. There is.
It is also necessary to avoid spoofing and illegal phishing through the network, and devices other than ATMs that can be connected to a bank billing financial system are limited. This limits the places where deposits and savings can be freely cashed. The present invention has been made paying attention to the above points. A portable terminal, a cashing device, and a cashing processing system that can cash deposits and savings using many devices that can deposit and withdraw cash. An object of the present invention is to provide a computer program and a recording medium for providing a cashing processing function to a portable terminal.

  The following configurations are means for solving the above-described problems.

<Configuration 1>
An application module (bank application) dedicated to a specific financial institution that can communicate with only one or more specific financial institutions can be communicated with the banking interface of the financial institution via the Internet from the deposit account of the financial institution. After the withdrawal process, it has the function of cashing using a cashing device other than ATM for deposit and saving transactions,
This bank app
An authentication processing means for performing an authentication process for requesting permission for the communication with the banking interface;
A communication means for executing the communication;
Deposit / withdrawal control means for requesting the withdrawal process to the banking interface;
By the withdrawal process, the data indicating the withdrawal amount and the data identification code are stored in the storage device of the financial institution, and the cashing data including the data indicating the withdrawal amount and the data identification code is generated to A cash data management means for storing in a storage device;
The above data identification code is for distinguishing the cashed data from other cashed data, and the cashed data can be cashed in the unit distinguished by this data identification code,
The communication means causes the cashing application of the cashing device to read the cashing data by proximity communication with the cashing device,
The cashing app is dedicated to a specific financial institution and can communicate with the bank app above,
When the communication between the bank application and the cashing application is established, the authentication processing means performs an authentication process for determining that the cashing device is a device capable of cashing the cashed data. ,
After the authentication process, the communication means transmits cashing data to the cashing device and requests a cashing process corresponding to the withdrawal amount. A mobile device with a bank app.

<Configuration 2>
The communication means of the bank application obtains a cashing device number for distinguishing the cashing device from other devices in the cashing processing by the cashing device, and after the cashing processing is completed. The mobile terminal according to Configuration 1, wherein a data identification code of the cashed data and the cashing device number are transmitted to the financial institution by communication with the banking interface.

<Configuration 3>
The authentication processing means transmits cashed data including data indicating a mobile identification code for distinguishing the mobile terminal that has requested the cashing process from other mobile terminals to the cashing device in the authentication process. The mobile terminal according to Configuration 1 or 2, wherein:

<Configuration 4>
The mobile terminal according to any one of configurations 1 to 3, wherein the bank application includes data conversion means for converting the cashed data into electronic money.

<Configuration 5>
The cashed data management means of the bank app executes a process of invalidating any selected cashed data stored in the storage device,
The deposit / withdrawal control means transmits a data identification code of the cashed data to be invalidated through communication with the banking interface, and requests a deposit process of the corresponding amount. The portable terminal as described in.

<Configuration 6>
A portable terminal according to Configuration 1 or 2,
A cashing device having a cashing app that can communicate with the bank app of this mobile terminal,
This cashing app is for a specific financial institution and can communicate with the above banking app,
Cashed data processing means for storing in a storage device data indicating a withdrawal amount and data for settlement including a data identification code notified from the mobile terminal after starting communication with the mobile terminal through proximity communication; ,
A cashing processing system comprising: a cash depositing / withdrawing device that reads the data indicating the withdrawal amount and discharges the corresponding cash.

<Configuration 7>
11. The cashing system according to Configuration 10, wherein the data indicating the withdrawal amount or the deposit amount of the cashing data includes data for displaying a foreign currency.

<Configuration 8>
A cashing process control program for causing a computer of a mobile terminal according to any one of configurations 1 to 5 to function as a bank application according to a corresponding configuration.

<Configuration 9>
A computer-readable recording medium on which the computer program according to Configuration 8 is recorded.

Enables cashing by any device other than ATM by banking using network. Since the bank application created by a specific financial institution is incorporated into the mobile terminal, the bank application in the mobile terminal can control the cashing process of the corresponding amount instead of the financial institution. Since the cashing data used for the cashing process is managed with a data identification code that can be distinguished from other cashing data, the processing status can be managed in units of cashing data.
If the data identification code and the cashing apparatus number are used, settlement between the cashing apparatus manager and the financial institution can be ensured.
When the data indicating the mobile identification code is included in the cashed data, the cashed data is taken out and cannot be used by other mobile terminals, so that security can be improved.
If the cashed data can be converted into arbitrary electronic money, the trouble of cashing processing for acquiring electronic money can be eliminated.
If a cashing application that can communicate with a banking application of a mobile terminal is incorporated in the cashing device and authentication processing is performed, cashing processing with high security can be realized. If proximity communication is used for the cashing process, malfunction can be prevented. Moreover, a vending machine etc. can be widely used for a cashing apparatus.
If the bank application of the mobile terminal specifies the deposit amount and the data identification code and sends it to the financial system, it becomes possible to deposit into the corresponding account.
The withdrawal process that no longer requires cashing can be reversed.
If the cashing apparatus is deposited and the mobile terminal executes a predetermined deposit process for the financial system, then the financial institution can request the remittance of the amount corresponding to the manager of the cashing apparatus.

It is a block diagram which shows the system of Example 1. FIG. It is an example of the operation screen displayed on a portable terminal. It is structure explanatory drawing of the cashing data memorize | stored in a portable terminal. It is a specific example explanatory drawing of cashing management data. It is explanatory drawing of a money_receiving | payment process. It is an operation example sequence chart of the payment processing with respect to a financial institution. It is a sequence chart of the example of a cashing process which uses a cashing apparatus. It is a sequence chart of the example of a money_receiving | payment process using a cashing apparatus. It is a sequence chart of the payment process example to the financial institution after depositing into the cashing apparatus. It is a deposit processing example sequence chart which returns the money which carried out the withdrawal process to a financial institution as it is.

  Hereinafter, embodiments of the present invention will be described in detail for each example.

  The configuration of the system according to the first embodiment will be described with reference to FIG. As shown in FIG. 1A, the mobile terminal 12 is connected to the financial server 14 via the Internet 18. FIG. 1B is a block diagram of the cashing apparatus 16 that communicates with the mobile terminal 12. According to the system of the first embodiment, the mobile terminal 12 such as a smartphone can perform internet banking using the Internet 18 and cash the deposit and saving using the cashing device 16 such as a vending machine. The cashing apparatus 16 may not be connected to the network. An operation screen as shown in FIGS. 2A to 2C is displayed on the mobile terminal 12. The storage device 30 of the portable terminal 12 stores cashed data having a structure as shown in FIG. In the financial system 15, for example, cashing management data 40 having a structure as shown in FIG. 4 is provided.

  The mobile terminal 12 incorporates an application program module (bank application 20) that can communicate only with a specific financial institution. The cashing apparatus incorporates an application program module (cashing application 44) that performs cashing processing by communicating with the mobile terminal 12. The present invention incorporates the bank application 20 in the mobile terminal 12 and the cashing application 44 in the cashing device 16 to realize a cashing processing service.

(Bank app and cash app)
The bank application 20 is created by a financial institution in order to enable the banking process of deposits and savings of the bank, and a corresponding computer program is downloaded from the financial server 14 and incorporated into the mobile terminal 12. The bank application 20 is dedicated to a specific financial institution, for example. When the user wants to cash the deposits and savings of a plurality of banks, a bank application 20 dedicated to each financial institution may be incorporated. Of course, bank applications may be shared by multiple financial institutions. As shown in FIG. 1, the bank application 20 includes a communication unit 22, an authentication processing unit 24, a deposit / withdrawal control unit 26, a cashed data management unit 28, a storage device 30, and a data conversion unit 31.

  The cashing application 44 incorporated in the cashing apparatus 16 is also created by a financial institution in order to communicate with the bank application 20. A corresponding computer program is downloaded from the financial server 14 or the like and incorporated in the cashing apparatus 16. This may be provided separately for each financial institution, or may be shared by a plurality of financial institutions. The cashing application 44 includes a communication device 45, a cash deposit / withdrawal device 46, a cashed data processing means 48, and a storage device 50.

  As the portable terminal 12, a portable computer such as a mobile phone, a smartphone, and a tablet computer that can be carried is suitable. For example, a railway ticket vending machine is suitable for the cashing device 16. Other POS terminals and cigarette vending machines may also be used. The cashing device 16 may not be connected to the financial server 14 via a network. What is necessary is just to be able to communicate with the portable terminal 12 by proximity communication which reads a prepaid card.

  The function of each means of the bank application 20 of the mobile terminal 12 will be described in the description of the processing operation later. In the cashing application 44 of the cashing device 16, the communication device 45 is a proximity communication control device that communicates with existing electronic money or the like. The cash deposit / withdrawal device 46 is also a device that performs cash deposit / withdrawal control with an existing vending machine or the like. The cash depositing / withdrawing apparatus 46 has a function of counting cash and discharging it from the safe, or has a function of appraising and counting accepted cash. The function of the cashed data processing means 48 will be described later in the explanation of the processing operation.

(Financial server)
A banking interface 32 and a financial system 15 are provided on the financial server 14 side. With known Internet banking, it is only possible to display transfers, transfers and deposit details. The transaction control means 34 of the banking interface 32 of this embodiment newly enables a withdrawal process and a deposit process for the cashing process. Therefore, as shown in FIG. 2A, the transaction menu screen 51 displayed on the mobile terminal 12 includes a withdrawal request button 56 and a deposit request button in addition to a transfer request button 52 and a detail display request button 54. 58 is displayed. In addition to this, a history display button 57 for displaying a history of withdrawal processing and deposit processing in the past is provided.

  The financial system 15 (FIG. 1) is provided with a deposit account ledger 36, cash management data 38, and a storage device 42. The deposit account ledger 36 is a ledger data file that records the deposit / withdrawal status of an existing deposit account. The cash management data 38 is a data file for acquiring and managing the status of the cash data from the mobile terminal 12 for the settlement process after the cash process or the deposit process.

  The deposit account ledger 36 of the financial system 15 is updated when deposit / withdrawal processing is performed. The cash management data 38 is updated when the status of the cash data is notified from the mobile terminal 12. As shown in FIG. 4, the cash management data 38 is data including a withdrawal (payment) amount 82, a data identification code 76, an issue date 78, an account number 80, etc. included in the cash data 74 (FIG. 3). Managed by. Further, after the deposit / withdrawal process is executed, the transaction date and time 86, the cashing apparatus number 88, and the denomination 89 are notified from the portable terminal 12, and these data are added.

  In the following embodiment, an example of deposit / withdrawal processing using a wide area network by Internet banking shown in FIG. 1 will be described. However, for example, in a debit card system, deposits and savings can be directly withdrawn using a closed network such as a VPN (Virtual Private Network). The present invention can be similarly implemented even if this system is used.

(Cash data structure)
Before explaining the deposit / withdrawal processing operation, the structure and function of the cashed data will be described. 3A shows an example of the structure of cashed data, FIG. 3B shows an example of the structure of data transmitted and received between the mobile terminal 12 and the cashing device 16 at the time of deposit and withdrawal, and FIG. The structure example of the data transmitted to the financial system 15 is shown.
The cash data 74 shown in FIG. 3 is provided for the bank application 20 of the mobile terminal 12 to manage the deposit / withdrawal process inside the mobile terminal 12. The cash data 74 is used only inside the mobile terminal 12. The cashing data 74 includes data to be transmitted to the financial system 15 and the cashing device 16 during the withdrawal process.

  As shown in FIG. 3A, the cashed data 74 includes, for example, a data identification code 76, an issue date and time 78, an account number 80, a withdrawal (payment) amount 82, and a mobile identification code 84. The data identification code 76 is for distinguishing the cashed data 74 from other cashed data 74. It is added to the cash data 74 for each deposit / withdrawal process.

  The issue date and time 78 is the date when the cashed data is generated. The account number 80 includes a bank name, a branch name, and a personal account number as shown in the figure. The mobile identification code 84 is used to distinguish the mobile terminal 12 that has generated the cashed data 74 from other mobile terminals 12. By reading the withdrawal (deposit) amount 82 from the cashed data 74, the deposit or withdrawal amount becomes clear. The mobile terminal 12 that has generated the cashed data 74 can be identified by the data identification code 76 and the mobile identification code 84.

  As shown in FIG. 3B, the data identification code 76, the withdrawal (payment) amount 82, and the denomination 89 are transmitted and received between the mobile terminal 12 and the cashing device 16 during the withdrawal process or the deposit process. Is done. Further, as shown in FIG. 3C, the data identification code 76, the transaction date / time 86, the cashing device number 88, and the denomination 89 are transmitted from the portable terminal 12 to the financial system 15. As already described, these data are used for the subsequent settlement processing. In addition to the above data, other data may be transmitted and received in order to enable reliable verification of data during the settlement process.

  A data identification code 76 is always attached to the cashed data 74. The cashed data 74 can be cashed together in units distinguished by the data identification code 76. When the cashing data is 30,000 yen, only a part of 10,000 yen is not cashed. In the cash management data 38 of the financial system 15, the data identification code 76 and its amount are recorded in association with each other. Therefore, only the notification of the data identification code 76 allows the financial system 15 to determine which amount of cash data 74 has been cashed. Thereby, the processing of the bank application 20 of the portable terminal 12 and the processing of the cashing management data 38 on the financial system 15 side are simplified.

  Moreover, at the time of a cashing process, it is good to transmit the data which show the portable identification code 84 in the cashed data 74 with the data identification code 76 from the portable terminal 12 to the cashing apparatus 16. FIG. As a result, even if a third party copies and steals the cashed data 74, it cannot be cashed using another person's mobile terminal. That is, even if the cashing apparatus 16 does not communicate with the financial server 14, communication with high security can be performed. Therefore, a wide variety of devices can be used as a cashing device.

  The cash data 74 is preferably dedicated to each financial institution. In addition, cash in foreign currencies such as yen, dollars, euros, and yuan should be possible. Similarly, allowing foreign currency deposits will work even more conveniently. The mobile terminal 12 may check the exchange rate of the designated currency and automatically generate the cash data of the foreign currency. Since the cashing device 16 and the financial system 15 do not have to be connected via a network, cashing in a foreign country becomes possible.

(Withdrawal processing operations for the financial system)
When you want to cash your deposit and savings, you first request a withdrawal process from the financial system. When the bank application 20 of the mobile terminal 12 is activated, communication with the banking interface 32 is started. The communication unit 22 and the authentication processing unit 24 of the bank application 20 perform an authentication process for requesting permission for communication with the banking interface 32 and start communication. In the authentication process, an account number and password input process is executed. After the authentication is completed, the transaction menu screen 51 shown in FIG.

  When the withdrawal request button 56 in the transaction menu screen 51 is selected, the withdrawal process is started. Subsequently, the withdrawal processing screen 59 shown in FIG. 2B is displayed on the portable terminal 12. The withdrawal possible amount display 60 displays a withdrawal limit amount referring to the deposit account ledger 36 of the financial system 15. Within the frame of the withdrawal amount 62, the user of the mobile terminal 12 inputs the amount desired to be withdrawn.

  When the withdrawal button 64 is operated, the deposit / withdrawal control unit 26 of the bank application 20 on the mobile terminal 12 side requests the transaction control unit 34 of the banking interface 32 to perform a withdrawal process for the specified amount. A cancel button 66 is for canceling the process. On the financial system 15 side, the deposit account ledger 36 is updated in the same manner as the normal withdrawal process.

  Upon receiving a notification that the withdrawal process has been successful from the transaction control unit 34, the cashed data management unit 28 of the bank application 20 generates cashed data 74 including data indicating the withdrawal amount shown in FIG. The data identification code 76 for distinguishing from the cash data 74 is attached to the cash data 74 and stored in the storage device 30.

(Cashing operation using cashing device)
When the withdrawal process by the financial system is completed, the bank application 20 is activated again to start the cashing process. Here, a cashing process screen 69 as shown in FIG. The cashing process screen 69 displays a list of data indicating the withdrawal amounts included in the cashing data. For example, it is assumed that a plurality of cashed data is stored in the storage device 30 of the mobile terminal 12. Assume that cash data with an amount of 10,000 yen was acquired in the first withdrawal process, and cash data with an amount of 30,000 yen was acquired in the second withdrawal process. When both of them have not been cashed yet, the cashing data list 70 displays 10,000 yen and 30,000 yen.

  When any data in the cashing data list 70 is selected and the cashing button 72 is operated, the preparation process for the cashing request is completed. After operating so far, the portable terminal 12 is touched to the cashing apparatus 16 (FIG. 1), and proximity communication is started. For example, a logo mark (cash mark) is displayed on the cash machine including the cash application 44. Find these devices and start cashing.

  The communication unit 22 and the authentication processing unit 24 of the mobile terminal 12 illustrated in FIG. 1 start proximity communication with the communication device 45 of the cashing apparatus 16. At this time, the bank application 20 determines whether the cashing device 16 is a device that can cash the cashed data 74. If the bank application 20 of the mobile terminal 12 and the cashing application 44 of the cashing apparatus 16 can normally establish communication, the authentication process ends normally. At this time, if the mobile identification code 84 (FIG. 3) is collated with the caller number, the identity can be confirmed more reliably.

  Thereafter, the deposit / withdrawal control means 26 of the portable terminal 12 transmits the data identification code 76, the data indicating the withdrawal amount, and the data indicating the denomination 89 shown in FIG. Request cashing processing equivalent to the withdrawal amount. The cashing data processing means 48 of the cashing apparatus 16 controls the cash depositing / withdrawing apparatus 46 to discharge the corresponding cash. If the corresponding cash is normally discharged, the cashing data processing means 48 stores the data identification code 76, data indicating the amount of money to be withdrawn, and the denomination 89 in the storage device 50.

  After the cashing process is completed, the bank application 20 of the mobile terminal 12 uses the data identification code 76 of the cashed data 74, the transaction date and time 86, the cashing device number 88, and the money shown in FIG. Data indicating the seed 89 is transmitted to the financial institution and the completion of cashing is reported. In the financial institution, the received data is added to the cash management data 38 and updated.

  The administrator of the cashing device 16 then sends the data stored in the storage device 50 to the financial institution at an appropriate timing and uses it for settlement. The financial institution can confirm the contents of the settlement by comparing this settlement request with the corresponding data (FIG. 4) of the cash management data 38.

  As in this embodiment, the cashing device 16 can reliably execute the process without communicating with the financial system 15 during the cashing process. That is, the requested cash is discharged only by the authentication process between the bank application 20 and the cashing application 44. This is sufficient if the bank application 20 and the cashing application 44 are dedicated to each financial institution and are sufficiently reliable. Accordingly, it is possible to request cashing in a foreign currency using a foreign automatic machine not connected to the network.

(Electronic money)
As described above, the cashing data 74 (FIG. 3) is data provided for managing a process of cashing a deposit and saving using a vending machine or the like. On the other hand, there is also a demand for purchasing electronic money with the cash after cashing using the cashed data. In order to respond to this, the data conversion means 31 (FIG. 1) of the bank application 20 has a function capable of directly converting the cash data 74 into electronic money.

  Electronic money is a type of prepaid card, and it is generally not permitted to cash electronic money. However, by using the cashing data 74 described above, it is possible to cash the deposit and savings, or to make electronic money without cashing. When the button 73 "make electronic money" is pressed on the cashing processing screen 69 of FIG. 2C, names of several types of electronic money (not shown) are displayed in a list. If one of them is selected, the cashed data can be converted into the corresponding electronic money.

  Even when the cashed data is converted into electronic money, processing is performed in units of cashed data with the data identification code 76 attached. If it carries out like this, the handling similar to the case where it cashed with the cashing apparatus 16 can be performed. Converting to electronic money means purchasing electronic money. Therefore, the data indicating the purchase amount (the withdrawal amount of the cashed data) and the data identification code 76 are transmitted to the electronic money issuing company. Of course, account information, processing date and time, and the like may be transmitted in order to facilitate data collation processing. The company that has received the data can use this data to request payment from the financial institution.

(Cashing invalidation processing)
Cash data may be left without being cashed for some reason. Therefore, for example, an expiration date such as 3 months may be provided. It is preferable that the bank application 20 of the mobile terminal 12 displays a warning on the mobile terminal 12 when cashed data that has not expired and is not cashed is stored in the storage device 30.

(Deposit processing)
FIG. 5 is an explanatory diagram of the deposit process.
By the processing of the second embodiment, the depositing account can be deposited using the portable terminal 12 and the cashing device 16. Alternatively, once the cashed data is stored in the portable terminal 12 by the withdrawal process, when the cashing is no longer necessary, the banking interface 32 can return the cashed data to the original deposit account.

  When depositing using the cashing apparatus 16, a deposit screen 100 shown in FIG. 5A is displayed on the mobile terminal 12. On this screen, a list for inputting a desired deposit amount 102 is provided. After inputting the amount, the deposit button 104 is operated to complete the deposit preparation. Then, the portable terminal 12 is touched to the cashing apparatus 16, and the communication means 22 and the authentication process means 24 start communication by the proximity communication with the communication apparatus 45 of the cashing apparatus 16. The cashing apparatus 16 reads the deposit amount 102 and requests the corresponding cash deposit.

  When cash is inserted into the cashing apparatus 16 and the confirmation is completed, the cashed data management means 28 of the portable terminal 12 determines the corresponding input amount, the data identification code 76, the transaction date and time 86, and the cashing apparatus number. Cashing data 74 including data for displaying 88 is generated. As evidence of payment, cashed data is generated on the mobile terminal 12 side and stored in the storage device 30. The data identification code 76 generated at this time is notified to the cashing apparatus 16 side for settlement.

  Thereafter, the deposit / withdrawal control means 26 of the portable terminal 12 requests the banking interface 32 for deposit processing. Since this process should be interlocked with the deposit process for the cashing apparatus 16, it should proceed almost automatically. Here, an example of fully automatic processing will be described. When the authentication process between the communication unit 22 or the authentication processing unit 24 of the portable terminal 12 and the banking interface 32 is completed, the deposit / withdrawal control unit 26 reads the corresponding cashed data 74 stored in the storage device 30. Then, data such as a data identification code 76, a transaction date / time 86, a cashing apparatus number 88, a deposit amount and a denomination are transmitted to the financial system 15. On the financial system 15 side, the deposit account ledger 36 is updated by deposit processing. Further, the cashing management data 38 is updated and the deposit process is completed. Thereafter, the financial institution uses the data received from the mobile terminal 12 to request the company that manages the cashing apparatus 16 to transfer the cash corresponding to the deposit amount.

(Cancellation of withdrawal)
In some cases, it may be desired to return the cashed data 74 that has not been cashed out in the past to the deposit account. Processing in this case will be described. In this case, the bank deposit screen 106 shown in FIG. Here, data showing a withdrawal (payment) amount 82 (FIG. 3) included in the cashing data is displayed in a list. In the cashing data list 70, all the data stored in the storage device 30 of the portable terminal 12 and for which the cashing process has not been completed are displayed.

  On this screen, any cashing data is selected and the deposit button 108 is operated. The cashed data management means 28 of the bank application 20 executes processing for invalidating the corresponding cashed data 74 stored in the storage device 30. At the same time, the deposit / withdrawal control means 26 communicates with the transaction control means 34 of the banking interface and transmits the data identification code 76 of the invalidated cash data 74. This completes the deposit processing request for the corresponding amount.

  As described above, when the cashed data 74 is handled in a unit distinguished by the data identification code 76, processing for subtracting or summing the amounts included in the cashed data 74 becomes unnecessary. Since the bank system 15 side performs management based only on the data identification code 76, there is no need to count and manage data corresponding to the amount of money. Processing on the cashing device 16 side can also be simplified.

  At the time of settlement, the verification process can be performed using only the data identification code 76. If the data identification code 76 and the cashing apparatus number 88 are compared with the amount, the correctness of the cashing process can be confirmed. Since the management can be performed using only the data identification code 76, the control of performing the authentication process by connecting the cashing apparatus 16 and the financial system 15 online during the cashing process becomes unnecessary.

(Sequence chart)
FIG. 6 is a sequence chart illustrating an operation example of a withdrawal process for a financial institution.
Hereinafter, a specific procedure including the operation of the computer program for the above processing will be described using a sequence chart. First, the bank application of the portable terminal 12 is activated in step S1 of FIG. In step S2, the banking interface 32 is accessed. Perform authentication at the same time. In step S3, the transaction menu screen 51 (FIG. 2A) is displayed on the portable terminal 12. Here, the withdrawal process is selected, and the withdrawal process screen 59 of FIG. 2B is displayed. In step S4, a withdrawal amount is designated. At this time, the data identification code of the cashed data generated after the withdrawal is transmitted to the banking interface 32 side.

  In step S <b> 5, the banking interface 32 issues a withdrawal process request to the financial system 15. The financial system 15 updates the deposit account ledger 36 in step S6. In step S 7, data including the withdrawal (payment) amount 82, the data identification code 76, and the issue date 78 shown in FIG. 4 is added to the cashing management data 38. The financial system 15 notifies the banking interface 32 of the withdrawal process completion in step S8. In step S <b> 9, the banking interface 32 transmits a cashing permission notice to the bank application 20.

  In step S <b> 10, the bank application 20 of the mobile terminal 12 generates the cashed data 74. In step S <b> 11, the cashed data 74 is stored in the storage device 30 of the mobile terminal 12.

FIG. 7 is a sequence chart of a cashing process example using a cashing apparatus.
In step S21, the bank application 20 of the mobile terminal 12 is activated. In step S22, the cashing data list 70 is displayed on the cashing processing screen 69 (FIG. 2C). In step S23, one of the cash data 74 in the list is selected. In step S 24, the bank application 20 transmits a cashing request to the cashing application 44. At this time, the portable terminal 12 is touched on the operation panel of the cashing apparatus. In step S25, the communication device 45 of the cashing apparatus 16 is activated, receives a cashing request, and performs an authentication process. In step S26, the bank application 20 acquires the cashing apparatus number 88 from the cashing application 44.

  In step S27, the cashing information stored in the storage device 30 of the portable terminal 12 is transmitted to the cashing device 16 side. This is data such as a data identification code, a withdrawal amount, and a denomination as shown in FIG. In step S28, the cashing apparatus 16 activates the cashing data processing means 48 to discharge the cash.

  In step S29, the cashing application 44 of the cashing apparatus 16 transmits a cashing completion report to the bank application 20 of the mobile terminal 12. As shown in FIG. 3B, this report includes data for withdrawal management indicating a data identification code 76, transaction date and time 86, payment denomination 89, and the like. In step S30, the discharged cash is confirmed. The bank application 20 of the mobile terminal 12 displays a confirmation screen, and the owner of the mobile terminal 12 touches the OK button on the screen. In step S <b> 31, the cashing application 44 stores the withdrawal management data transmitted from the mobile terminal 12 in the storage device 50 of the cashing device 16. This completes the operation of the cashing apparatus 16.

  Thereafter, the bank application 20 communicates with the banking interface 32 and reports the completion of cashing in step S32. This report includes data indicating a data identification code, a transaction date and time 86, a cashing apparatus number 88, a payment denomination, and the like. In step S33, the banking interface 32 reports the completion of cashing to the financial system 15. The invalidation processing date and time is added to the corresponding data identification code. In step S <b> 34, the financial system 15 executes an update process for the cash management data 38. When this process is completed, the financial system 15 transmits a cashing completion response to the banking interface 32 in step S35. In step S <b> 36, the banking interface 32 transfers this cashing completion response to the bank application 20. In step S <b> 37, the bank application 20 invalidates the cash data 74 stored in the storage device 30 of the mobile terminal 12 and updates the storage. Thereafter, the cashing apparatus side totals the withdrawal data and performs a settlement request process. This process may be executed by an arbitrary method.

FIG. 8 is a sequence chart of a deposit processing example using the cashing apparatus.
First, in step S41, the bank application 20 of the mobile terminal 12 is activated. And the apparatus payment screen 100 of Fig.5 (a) is displayed on the portable terminal 12. FIG. In step S42, a deposit amount is designated. In step S43, the portable terminal 12 is touched and accessed on the operation panel of the cashing apparatus 16, and an authentication process is performed. In step S <b> 44, the bank application 20 acquires the cashing device number 88 from the cashing application 44. In step S45, cash is put into the cash deposit / withdrawal device 46 of the cashing device 16 and a counting request is made. At this time, the data indicating the data identification code 76 and the amount of money desired to be received is transmitted from the bank application 20 to the cashing application 44.

  In step S46, the cash deposit / withdrawal device 46 of the cashing apparatus 16 counts the amount of money input. In step S47, the cashing application 44 communicates with the bank application 20 to perform confirmation processing. At this time, data indicating the data identification code 76, the transaction date and time 86, the accepted denomination, and the like are transmitted from the cashing application 44 to the bank application 20. In step S48, the bank application 20 generates cashed data 74 including this data. In step S49, the cashing application 44 stores the payment data acquired from the portable terminal 12 in the storage device 50 for confirmation of settlement with the financial institution. In step S <b> 50, the bank application 20 updates the cashed data stored in the storage device 30 in the mobile terminal 12.

FIG. 9 is a sequence chart of a depositing process example to a deposit account of a financial institution after depositing into the cashing apparatus.
As described above, since this process is linked with the process of depositing cash into the cashing apparatus 16, it is preferable that the process proceeds almost fully automatically. Here, a procedure in which manual operations of some users are mixed will be described. In step S51, the bank application 20 of the mobile terminal 12 is activated. This activation is also preferably fully automatic. If this process is forgotten, the deposit process will not be completed, so a warning screen for prompting activation may be displayed on the portable terminal 12. In step S52, the bank deposit screen 106 shown in FIG. 5B is displayed. A cashing data list is displayed here. The cashing data 74 that has been processed for depositing into the cashing device 16 described in FIG. 8 is displayed here. After confirming the contents, in step S53, the user operates the deposit button 108.

  In step S54, communication with the banking interface 32 is started and authentication processing is executed. In step S55, the banking interface 32 sends an authentication confirmation response to the bank application 20. Thereafter, necessary data is transmitted from the portable terminal 12 to the banking interface 32 in step S56. The data includes data identification code 76, transaction date and time 86, cashing apparatus number 88, denomination and the like. In step S57, the banking interface 32 requests the financial system 15 for a deposit process.

  In step S58, the deposit account ledger 36 of the financial system 15 is updated. Thereafter, in step S59, the financial system 15 reports the payment process completion to the banking interface 32. In step S60, the banking interface 32 reports the payment process completion to the bank application 20. The bank application 20 of the mobile terminal 12 that has received this report invalidates the cash data stored in the storage device 30 in step S61 and updates it. This completes the deposit process to the financial institution using the above system.

FIG. 10 is a sequence chart showing an example of deposit processing for returning the amount after the withdrawal process to the financial institution as it is.
In this example, although cashing data is obtained by performing a withdrawal process, cashing is no longer necessary, so that the operation returns to the deposit account of the financial institution again. At this time, since data for cashing management is recorded in the cashing management data 38 of the financial system 15, a procedure for performing the processing is added.

  First, in step S71, the bank application 20 of the mobile terminal 12 is activated. In step S72, the bank deposit screen 106 shown in FIG. 5B is displayed. Here, all cashed data lists stored in the storage device of the mobile terminal 12 are displayed. In step S73, the cashing data for which payment is desired is selected.

  In step S74, communication with the banking interface 32 is started and authentication processing is executed. In step S75, the banking interface 32 sends an authentication confirmation response to the bank application 20. Thereafter, in step S76, the data identification code 76 of the corresponding cashed data is transmitted from the portable terminal 12 to the banking interface 32. Since other information is included in the cash management data, this is all that is required. In step S77, the banking interface 32 requests the financial system 15 for a deposit process. In step S78, the deposit account ledger 36 of the financial system 15 is updated. In step S79, the cashing management data 38 is updated.

  Thereafter, in step S80, the financial system 15 reports the payment process completion to the banking interface 32. In step S81, the banking interface 32 reports the payment process completion to the bank application 20. Receiving this report, the bank application 20 performs an invalidation process on the cash data stored in the storage device 30 in step S82 to update the storage. Thus, the withdrawal process can be substantially canceled.

  According to the system described above, by using banking using a network such as the Internet or a closed network, it is possible to cash in not only an ATM dedicated to depositing / withdrawing deposits / withdrawals of financial institutions but also various other devices. Since a cash deposit / withdrawal function is sufficient, for example, a railway ticket vending machine, a store POS terminal, a beverage vending machine, a parking checkout machine, and the like can be used. Regardless of which network such as the Internet or a closed network is used, it becomes possible to perform deposit / withdrawal processing by communication with a financial institution through a network interface.

  In addition, since control is performed by the bank application 20 or the dedicated cashing application 44 that can communicate with only a specific financial institution, a system that can ensure sufficient security can be constructed. Moreover, since the bank application 20 in the portable terminal 12 generates the cashing data 74 of the corresponding amount and manages it with the data identification code 76 that can be distinguished from the other cashing data 74, the handling can be simplified.

DESCRIPTION OF SYMBOLS 12 Mobile terminal 14 Financial server 15 Financial system 16 Cashing apparatus 18 Internet 20 Bank application 22 Communication means 24 Authentication processing means 26 Deposit / withdrawal control means 28 Cashed data management means 30 Storage device 31 Data conversion means 32 Banking interface 34 Transaction control means 36 Deposit Account Ledger 38 Cashing Management Data 42 Storage Device 44 Cashing Application 45 Communication Device 46 Cash Deposit / Withdrawal Device 48 Cashing Data Processing Means 50 Storage Device 51 Transaction Menu Screen 52 Transfer Transfer Request Button 54 Detail Display Request Button 56 Withdrawal Request button 58 Deposit request button 57 Cashing history display button 59 Withdrawal processing screen 60 Withdrawable amount display 62 Withdrawal amount 64 Withdrawal button 66 Cancel button 69 Cashing processing screen 70 Cashing data list 72 Cashing button 73 Electronic Money Tan 74 Cashization data 76 Data identification code 78 Issue date 80 Account number 82 Withdrawal (payment) amount 84 Mobile identification code 86 Transaction date 88 Cashing device number 89 Denomination 100 Device deposit screen 102 Deposit amount 104 Deposit button 106 Bank deposit Screen 108 Deposit button

Claims (9)

An application module (bank application) dedicated to a specific financial institution that can communicate with only one or more specific financial institutions can be communicated with the banking interface of the financial institution via the Internet from the deposit account of the financial institution. After the withdrawal process, it has the function of cashing using a cashing device other than ATM for deposit and saving transactions,
This bank app
An authentication processing means for performing an authentication process for requesting permission for the communication with the banking interface;
A communication means for executing the communication;
Deposit / withdrawal control means for requesting the withdrawal process to the banking interface;
By the withdrawal process, the data indicating the withdrawal amount and the data identification code are stored in the storage device of the financial institution, and the cashing data including the data indicating the withdrawal amount and the data identification code is generated to A cash data management means for storing in a storage device;
The above data identification code is for distinguishing the cashed data from other cashed data, and the cashed data can be cashed in the unit distinguished by this data identification code,
The communication means causes the cashing application of the cashing device to read the cashing data by proximity communication with the cashing device,
The cashing app is dedicated to a specific financial institution and can communicate with the bank app above,
When the communication between the bank application and the cashing application is established, the authentication processing means performs an authentication process for determining that the cashing device is a device capable of cashing the cashed data. ,
After the authentication process, the communication means transmits cashing data to the cashing device and requests a cashing process corresponding to the withdrawal amount. A mobile device with a bank app.
The communication means of the bank application obtains a cashing device number for distinguishing the cashing device from other devices in the cashing processing by the cashing device, and after the cashing processing is completed. The mobile terminal according to claim 1, wherein a data identification code of the cashed data and the cashing device number are transmitted to the financial institution by communication with the banking interface. The authentication processing means transmits cashed data including data indicating a mobile identification code for distinguishing the mobile terminal that has requested the cashing process from other mobile terminals to the cashing device in the authentication process. The mobile terminal according to claim 1, wherein the mobile terminal is a mobile terminal.   4. The mobile terminal according to claim 1, wherein the bank application includes data conversion means for converting the cashed data into electronic money. The cashed data management means of the bank app executes a process of invalidating any selected cashed data stored in the storage device,
The deposit / withdrawal control means transmits a data identification code of the cashed data to be invalidated through communication with the banking interface, and requests a deposit process of the corresponding amount. The mobile terminal according to 1. The mobile terminal according to claim 1 or 2,
A cashing device having a cashing app that can communicate with the bank app of this mobile terminal,
This cashing app is for a specific financial institution and can communicate with the above banking app,
Cashed data processing means for storing in a storage device data indicating a withdrawal amount and data for settlement including a data identification code notified from the mobile terminal after starting communication with the mobile terminal through proximity communication; ,
A cashing processing system comprising: a cash depositing / withdrawing device that reads the data indicating the withdrawal amount and discharges the corresponding cash.   11. The cashing system according to claim 10, wherein the data indicating the withdrawal amount or the deposit amount of the cashing data includes data indicating a foreign currency. A cashing control program for causing a computer of a portable terminal according to any one of claims 1 to 5 to function as the bank application according to the corresponding claim.   A computer-readable recording medium on which the computer program according to claim 8 is recorded.

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