JP6516418B2 - Remittance system - Google Patents

Description

  The present invention relates to a remittance system.

  Conventionally, when converting the amount paid by the sender using cash or fixed-rate currency exchange into cash, a limited place such as a window of a financial institution such as a bank or a prescribed dispensing device installed by the financial institution The procedure was in

  As a related technology, specifically, there has been, for example, a technology in which an electronic check is transmitted and shopping is enabled using the transmitted electronic check (see, for example, Patent Document 1 below). Further, as a related technology, specifically, for example, there has been a technology in which a receiver who has transmitted an electronic bill and has received the electronic bill can convert it into cash using an ATM (for example, as described below) See Patent Document 2).

JP 2003-050915 A Unexamined-Japanese-Patent No. 2004-199632

  However, the above-described conventional technology in which the place of cash conversion is limited has a problem that the work for cash conversion is bothersome. Moreover, the conventional techniques described in Patent Documents 1 and 2 described above have a problem that the issuer of the electronic check or electronic bill can not restrict the method of using or redeeming the issued electronic check or electronic bill. there were. For this reason, the use or cashing of the electronic check or electronic bill once issued is entrusted to the issuer, and the cash may be lost or wasted by the issuer being cashed at an inappropriate timing. For example, there have been situations where electronic checks and electronic bills have not been used effectively.

  In order to solve the problems of the prior art described above, the present invention can eliminate the loss and waste of cash by eliminating the cash carrying around in the unnecessary situation, and can easily handle cash in the necessary situation. Aims to provide a remittance system that can be

  In order to solve the problems described above and achieve the object, a remittance system according to the present invention designates a first information on a remittance person, a remittance amount and a use condition, and a terminal device to which the first information is output. The remittance information including the second information is accepted, the code information for specifying the remittance person, the remittance amount and the use condition is generated based on the first information included in the accepted remittance information, and the generated code information is It transmits to the terminal device of the output destination specified by the second information included in the accepted remittance information, acquires the code information output by the terminal device of the output destination that has received the code information, and specifies it by the acquired code information Based on the usage conditions, it is determined whether or not to permit the conversion, and if it is determined, the data is stored in association with the balance for each account number identifying the sender's account The update request for updating the balance based on the amount specified by the acquired code information to the financial institution server having the license information, and the output from the financial institution server which has updated the balance according to the output update request When the updated response is received, the predetermined amount of cash designated by the acquired code information is dispensed from a predetermined cash dispenser for dispensing cash.

  Further, the remittance system according to the present invention is characterized in that, in the above-mentioned invention, the information on the use conditions includes at least one of information on a period of cash exchange and information on a currency exchange site.

  Further, in the remittance system according to the present invention, in the above-mentioned invention, the information on the use conditions includes authentication information used to determine whether or not to permit the conversion, and is input in response to an input request for the authentication information. It is characterized in that whether or not to permit the redemption is determined based on the authentication information and the authentication information included in the information on the usage conditions specified by the acquired code information.

  Further, in the remittance system according to the present invention according to the above-mentioned invention, when cash is paid out from the cash dispenser, the terminal of the remitter is selected based on the first information included in the remittance information for paying out the cash. The apparatus is characterized by transmitting a payout notice notifying that the cash has been paid out.

  According to the remittance system of the present invention, it is possible to eliminate the loss and waste of cash by eliminating the cash carrying around in unnecessary situations, and it is possible to easily obtain cash in necessary situations. Play an effect.

It is an explanatory view showing a system configuration of a remittance system of an embodiment concerning this invention. It is explanatory drawing which shows the hardware constitutions of the cash payment apparatus which comprises the remittance system of embodiment concerning this invention. It is explanatory drawing which shows the hardware constitutions of the computer apparatus which implement | achieves the server which comprises the remittance system of embodiment concerning this invention. It is a block diagram which shows the hardware constitutions of the smart phone which implement | achieves the user's terminal device in the remittance system of embodiment concerning this invention. It is an explanatory view showing an example of a database of a server. It is a block diagram showing functional composition of a server which constitutes a remittance system of an embodiment concerning this invention. It is a flowchart (the 1) which shows the processing procedure of the user's (remittance person) terminal device which comprises the remittance system of embodiment concerning this invention. It is a flowchart (the 2) which shows the processing procedure of the terminal device of the user (render) who comprises the remittance system of embodiment concerning this invention. It is a flowchart (the 1) which shows the processing procedure of the server which comprises the remittance system of embodiment concerning this invention. It is a flowchart (the 2) which shows the processing procedure of the server which comprises the remittance system of embodiment concerning this invention. It is a flowchart which shows the process sequence of the cash payment apparatus which comprises the remittance system of embodiment concerning this invention. It is a flowchart (the 1) which shows the processing procedure of the user's (payment person's) terminal device which comprises the remittance system of embodiment concerning this invention. It is a flowchart (the 2) which shows the processing procedure of the user's (payment person's) terminal device which comprises the remittance system of embodiment concerning this invention. It is a flowchart (the 3) which shows the process sequence of the terminal device of the user (payment person) which comprises the remittance system of embodiment concerning this invention.

  Hereinafter, preferred embodiments of a remittance system according to the present invention will be described in detail with reference to the accompanying drawings.

(System configuration of remittance system)
FIG. 1 is an explanatory view showing a system configuration of a remittance system according to an embodiment of the present invention. Referring to FIG. 1, a remittance system 100 according to the embodiment of the present invention includes a server 110, a financial institution server 120, a cash dispenser 130, and a terminal device 140 of a user. The server 110 and the financial institution server 120 can be realized by, for example, a computer device such as a personal computer (see FIG. 2B).

  The financial institution server 120 is provided in a financial institution, and communicates with the server 110 and the cash dispenser 130 via the communication network 101. The financial institution server 120 can communicate with the user's terminal device 140 via the communication network 101 during electronic commerce such as net banking.

  The cash dispenser 130 communicates with the financial institution server 120 in response to a predetermined input operation, and pays out predetermined cash. The cash dispenser 130 is installed, for example, in a financial institution such as a bank or a retail store such as a convenience store, and can be realized by an ATM (Automatic Teller Machine) called an automatic teller machine (see FIG. See 2A).

  The cash dispenser 130 includes an input unit 131 such as a ten key or a touch panel that receives an input operation by a user or the like, a display 132 on which the touch panel is stacked, and the like. Further, the cash dispenser 130 is provided with a cash dispenser 133 for dispensing cash. Further, the cash dispenser 130 is provided with a door 134 that closes the cash dispenser 133 at times other than cash dispensing and opens the cash dispenser 133 at the time of cash dispensing.

  The cash dispenser 130 also includes a camera 135. The camera 135 operates in accordance with a predetermined input operation to the input unit, and reads a two-dimensional code or the like positioned within the imaging range of the camera 135. The camera 135 is not limited to one for reading a two-dimensional code exclusively, and may be realized by, for example, a camera used for biometric authentication such as fingerprint authentication. The cash dispenser 130 may have a card insertion slot for receiving insertion of a card such as a cash card issued by a financial institution such as a bank.

  The terminal device 140 of the user who uses the remittance system 100 can be realized by, for example, a portable portable computer device such as a smartphone or a tablet terminal (see FIG. 2C). On the user's terminal device 140, a predetermined program (hereinafter referred to as "remittance program" as appropriate) for installing services provided by a manager of the remittance system 100 (for example, a financial institution such as a bank) is installed. ing. The terminal device 140 of the user is connected to the communication network 101, and can communicate with the server 110 and the financial institution server 120 by executing a remittance program.

  The cash dispenser 130 and the terminal device 140 of the user may have a communication function that enables communication between the cash dispenser 130 and the terminal device 140 of the user. Specifically, the cash dispenser 130 and the user's terminal device 140 can communicate, for example, by Bluetooth (registered trademark) or infrared communication.

(Hardware configuration of cash dispenser 130)
Next, the hardware configuration of the cash dispenser 130 constituting the remittance system 100 according to the embodiment of the present invention will be described. FIG. 2A is an explanatory view showing a hardware configuration of the cash dispenser 130 constituting the remittance system 100 according to the embodiment of the present invention.

  In FIG. 2A, the cash dispensing apparatus 130 includes a CPU 211, a ROM 212, a RAM 213, an input unit 131, a display 132, a touch panel 215, a network I / F (interface) 216, a printer 217, and a card reader writer 218. And a camera 135. The units 211 to 213, 215 to 218, 131, 132, and 135 included in the cash dispenser 130 are connected by a bus 210, respectively. The cash dispenser 130 may also include an HD (hard disk) that stores various data, an HDD (hard disk drive) that controls reading / writing of data with respect to the HD, and the like.

  The CPU 211 controls the entire cash dispenser 130 and executes various programs stored in the ROM 212 while using the RAM 213 as a work area. The display 132 displays, for example, various display screens for using the remittance system. Specifically, the display 132 can be realized by various known displays such as, for example, a TFT liquid crystal display, a plasma display, and an organic EL display.

  The input unit 131 outputs a signal corresponding to the operated position. Specifically, in the input unit 131, the numeric keypad outputs a signal according to the operated key, and the touch panel 215 stacked on the display 132 outputs a coordinate signal according to the operated position. The CPU 211 switches the display content on the display 132 based on the display content on the display 132 and the coordinate signal output from the touch panel of the input unit 131, for example.

  The network I / F 216 performs communication with a computer device that implements the server 110 via the communication network 101. The network I / F 216 communicates with a computer device that implements the server 110, for example, when paying out cash.

  The printer 217 prints out, on a recording medium, the results of various cash accounting services performed by the cash dispensing device 130 in response to an input operation on the touch panel 215. Specifically, for example, when an input operation is performed to withdraw cash from the deposit account to the input unit 131, the printer 217 prints the deposit balance, the transaction details, and the like, and outputs the printed recording medium as a predetermined one. Discharge from the discharge port.

  As the recording medium, a long roll paper having a predetermined width can be used. When such roll paper is used, the printer 217 is provided with a cutter mechanism for cutting the roll paper at a predetermined position. The printer 217 can be realized by, for example, a printer that performs printing by various known printing methods such as a laser printer, an inkjet printer, and an ink ribbon printer.

  The card reader / writer 218 reads card information stored in a storage medium included in the card, and outputs a signal including the read information to the CPU 211. The card information includes, for example, identification information of a card, an account number of an owner (user) of the card, a personal identification number, a branch name where a deposit account is opened, and the like.

  For example, when the card according to the embodiment of the present invention is realized by an IC chip built-in card in which an IC chip is mounted on a plastic plate-like base, the card reader / writer 218 includes, for example, a card as a storage medium. A connection terminal connected to the IC chip is provided, and card information stored in the IC chip is read via the connection terminal. In the case where the card reader / writer 218 sets a contactless IC card type card as a reading target, the card reader / writer 218 may further include a communication unit that communicates with the card.

  Alternatively, for example, when the card according to the embodiment of the present invention is realized by a magnetic stripe card in which a magnetic band is provided on a base, the card reader / writer 218 stores in a magnetic band the card comprises as a storage medium, for example. When the magnetic type card passes a reading position of the magnetic head, the card information stored in the magnetic band of the card is read. The cash dispenser 130 may be provided with a card reader that only reads card information, instead of the card reader / writer 218.

  The camera 135 includes a lens, an aperture, a shutter, a light receiving element (imaging element), an application specific integrated circuit (ASIC) dedicated to image processing, and the like. The light receiving element (imaging element) can be realized by, for example, a CCD image sensor or a CMOS image sensor.

  The camera 135 is drive-controlled by the CPU 211, and photoelectrically converts light incident on a light receiving element (image pickup element) through a lens, an aperture, and a shutter in the light receiving element (image pickup element) to generate image information of analog value. The camera 135 may include an amplifier for amplifying image information of analog values. The camera 135 performs A / D conversion of image information of analog values to generate image information of digital values by an ASIC dedicated to image processing. The CPU 211 stores digital image information generated by the camera 135 in a recording medium such as the ROM 212 or HD (not shown).

  The camera 135 further includes, for example, a temporary recording medium such as a DRAM used for calculation of image processing by an ASIC dedicated to image processing, a flash memory storing image information of digital values generated by an ASIC dedicated to image processing, and the like. A non-volatile recording medium may be provided. The calculation of the image processing may be performed by the CPU 211 instead of the ASIC dedicated to the image processing.

  The camera 135 with which one cash dispenser 130 is equipped is not limited to one. The cash dispenser 130 may further include a camera 135 for capturing an image of a user who performs an input operation to the cash dispenser 130, in addition to the camera 135 that reads a two-dimensional code. In this case, the camera 135 for imaging the user provides at least a range in which the user who performs the input operation to the cash dispenser 130 is assumed to be located as an imaging range. The imaging range of the camera 135 for the purpose of imaging the user includes the upper body of the user who performs the input operation to the cash dispenser 130, more specifically, the range capable of imaging the face of the user It is not necessary to include the whole body of the user who performs the input operation to the cash dispenser 130 well.

  It is preferable that the cash dispensing apparatus 130 be provided so as to image a user who performs an input operation on the cash dispensing apparatus 130 from the front. In the cash dispensing apparatus 130, a plurality of cameras 135 for capturing images of the user are provided so that a user who performs an input operation to the cash dispensing apparatus 130 can be added from the front and capturing from the side. It is also good. The two-dimensional code may be read by a camera 135 for imaging a user.

(Hardware configuration of server 110)
Next, a hardware configuration of a computer device for realizing the server 110 constituting the remittance system 100 according to the embodiment of the present invention will be described. FIG. 2B is an explanatory diagram showing a hardware configuration of a computer device that implements the server 110 that configures the money transfer system 100 according to the embodiment of the present invention.

  In FIG. 2B, a computer device for realizing the server 110 constituting the remittance system 100 according to the embodiment of the present invention comprises a CPU 221, a ROM 222, a RAM 223, an HDD 224, an HD 225, and a network I / F 226. ing. Further, the units 221 to 226 provided in the computer device are connected by a bus 220.

  The CPU 221 controls the entire computer system. The ROM 222 stores programs such as a boot program. The RAM 223 is used as a work area of the CPU 221. The HDD 224 controls read / write of data with respect to the HD 225 under the control of the CPU 221. The HD 225 stores the data written under the control of the HDD 224. Various databases such as a user database (see FIG. 3) are stored in the HD 225 provided in the computer device that implements the server 110.

  The network I / F 226 is connected to the cash dispenser 130 via the communication network 101. Also, the network I / F 226 is connected to the terminal device 140 of the user via the communication network 101. A network I / F 226 controls the interface between the communication network 101 and the inside, and controls input / output of data in the computer device.

(Hardware configuration of financial institution server 120)
The financial institution server 120 can be realized by a computer device similar to the hardware configuration of the server 110 described above. The hardware configuration of the financial institution server 120 is the same as the hardware configuration of the server 110 described above, and thus the description thereof is omitted.

(Hardware configuration of user's terminal device 140)
Next, the hardware configuration of the terminal device 140 of the user in the remittance system 100 according to the embodiment of the present invention will be described. FIG. 2C is a block diagram showing the hardware configuration of a smartphone that implements the terminal device 140 of the user in the remittance system 100 according to the embodiment of the present invention.

  In FIG. 2C, the smartphone that implements the terminal device 140 of the user in the remittance system 100 according to the embodiment of the present invention includes the CPU 231, the ROM 232, the RAM 233, the network I / F 234, the display 235, and the operation unit 236. And a microphone 237, a speaker 238, and a camera 239. Moreover, each structure parts 231-239 with which the smart phone which implement | achieves the user's terminal device 140 which comprises the remittance system 100 of embodiment concerning this invention is each connected by bus 230. FIG.

  The CPU 231 controls the entire smartphone. The ROM 232 stores programs such as a boot program. The RAM 233 is used as a work area of the CPU 231. The network I / F 234 controls input / output of data between a computer device connected to the communication network 101 and another smartphone via the communication network 101. The network I / F 234 is connected to a telephone line network, and implements voice communication with a communication terminal device such as another smart phone (mobile phone or PHS) or a fixed type telephone.

  The display 235 displays, for example, a mode (Manner mode, drive mode, etc.) in the setting when using a smartphone as a portable telephone (or PHS), various marks indicating the reception status of radio waves, icons, toolboxes, etc. Do. The display 235 can be realized mainly by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display.

  The operation unit 236 includes keys for inputting characters, numerical values, various instructions, etc., and performs data input. Operation unit 236 can be realized by, for example, a touch panel or a keyboard. An operation unit 236 realized by a touch panel or a keyboard outputs a signal corresponding to an input operation on the operation unit 236. When the operation unit 236 is realized by a touch panel, the touch panel is stacked on the display surface side of the display 235. The touch panel outputs an electrical signal according to the contact position of the writing member on the touch panel when detecting that the writing member such as a finger or a pen contacts the touch panel.

  The microphone 237 analog-to-digital converts the voice of the speaker input as analog data to generate voice data in digital format. The speaker 238 performs digital / analog conversion on digital voice data transmitted from the other party, and outputs voice by energizing a coil in the speaker cone based on the voice data in analog format.

  The camera 239 captures an imaging target by the operation of the operation unit 236 and generates image data. The generated image data is stored in the RAM 233 or the like. The network I / F 234 is connected to the communication network 101, and controls the interface between the communication network 101 and the inside of the smartphone that realizes the terminal device 140 of the user.

(Database)
Next, a database in the remittance system 100 according to the embodiment of the present invention will be described. In the remittance system 100 according to the embodiment of the present invention, the database of the server 110 and the database of the financial institution server 120 are referred to when providing the remittance service.

  The database of the server 110 can be stored, for example, in the HD 225 provided in a computer device that implements the server 110 that configures the money transfer system 100 according to the embodiment of the present invention. The database of the financial institution can be stored, for example, in the HD 225 provided in a computer device that implements the financial institution server 120 that constitutes the remittance system 100 according to the embodiment of the present invention.

  FIG. 3 is an explanatory view showing an example of the database 310 of the server 110. As shown in FIG. In FIG. 3, the database 310 of the server 110 associates and stores information on users and information on remittance for each user ID. The user ID is information unique to each user, and can identify the user who uses the remittance system. The user ID can be set, for example, by the administrator of the remittance system 100.

  The information on the user includes, for example, an account number for identifying the user's account, the user's name, the contact information of the user, the password, the usage conditions, and the information indicating the usage status. The contact point of the user is information that can specify the notification destination for notifying the user of the usage status of the remittance system 100 by the user to the user identified by the user ID, for example, the terminal of the user Indicated by the email address assigned to the device. The password is set by the user, for example, at the time of opening an account, for deposit and withdrawal for the account identified by the account number. The password is used, for example, when outputting a request for updating the balance of the account identified by the account number from the server 110 to the financial institution server 120 and determining whether the balance can be updated.

  The terms of use specify conditions that permit cashing of the amount specified by the sender (ie, use of the present remittance system 100). The usage conditions indicate, for example, a period in which cash can be redeemed (cashback period). The redemption period can be identified by specifying a date, for example, "June 30, 2014". Further, the redemption period may be specified by specifying the start date and end date and time, for example, "June 30, 2014 10:00 to 2014 14:00".

  Moreover, the conversion period can be specified by specifying a day of the week or a time zone, such as "every Friday from 19:00 to 19:30", for example. In addition, the conversion period can be specified by specifying a plurality of days, for example, "every week monday to friday". Further, the conversion period may be specified by combining a plurality of days of the week and time zones, such as “every week to Monday 11:50 to 13:00”, for example.

  In addition, the usage conditions may specify, for example, a place where the cash can be paid (the cash place). The place of conversion can be identified by specifying an arbitrary range, for example, "in Shinagawa Ward". Further, the conversion place can be specified by specifying an arbitrary store such as, for example, “Convenience store ×× Osaki station square store”, “○○ bank Umeda station square branch”, or the like.

  In addition, the use conditions may include, for example, authentication information used to determine whether or not to permit the conversion. The authentication information can be realized, for example, by text data in which numbers, alphabets, etc. are combined in any number of digits, and more specifically, realized, for example, by a password used for deposit and withdrawal for the account identified by the account number. be able to.

  In addition, the usage conditions may specify, for example, the number of times of permitting cash conversion. Specifically, for example, in the case where “10 times” is the number of times of permitting the conversion, the number of times of use conditions stored in the database 310 is decremented by 1 each time the conversion is permitted. Alternatively, in the database 310, for example, when “10 times” is the number of times to permit the conversion, the number of times of conversion is added and stored each time the conversion is permitted, and the number of additions is set as the use condition. If it reaches the specified number of times, it may be made not to permit the subsequent conversion.

  The usage status indicates whether or not the cash payment for the remittance amount set by the sender has been made. Specifically, the usage status can be indicated, for example, by setting a flag in accordance with whether or not cashing has been performed. When setting the number of times to permit cashing as the usage condition, the usage status may store the number of times cashing is permitted.

  The information on the remittance includes information indicating the output destination and the remittance amount. The output destination designates the output destination of the code information used for paying out the cash of the amount specified by the information indicating the transfer amount. The output destination can be designated, for example, by an e-mail address assigned to a terminal device of a user (payer) who receives cash payment.

  Alternatively, the output destination may be a printer (see FIG. 1) that prints out a two-dimensional code based on the code information used for paying out cash. In this case, the information indicating the output destination may be the IP address assigned to the printer if the printer is specified, and if it is an arbitrary printer having an infrared communication function, the device discovery procedure of the printer ( It may be an execution instruction of an application that executes Device Discovery. The remittance amount is the amount to be paid from the account of the remittance user, and can be set arbitrarily by the remittance user. The sending amount and the output destination can be set for each usage condition.

  In the database 310 of the server 110, information regarding the account number, user name, user contact address, password, etc. is appropriately set prior to use of the remittance system 100, for example, at the time of subscription to a service provided by the remittance system 100. Be done. In the database 310 of the server 110, the user relating to the use conditions, the remittance amount, and the output destination can be set as appropriate by the user as the remitter. In the database 310 of the server 110, setting of various information in the database can be performed by each user via, for example, a predetermined web site.

(Database of financial institution server 120)
The database of the financial institution server 120 associates and stores the balance for each account number identifying the user's account. In addition, the database of the financial institution server 120 stores a password for accessing the account upon deposit and withdrawal for the account identified by the account number. In addition, the database of the financial institution server 120 stores the deposit and withdrawal history in the account identified by the account number. The database of the financial institution server 120 is not shown.

(Functional configuration of server 110)
Next, the functional configuration of the server 110 constituting the remittance system according to the embodiment of the present invention will be described. FIG. 4 is a block diagram showing a functional configuration of the server 110 constituting the remittance system according to the embodiment of the present invention. In FIG. 4, each function of the server 110 is updated by the remittance information reception unit 401, the storage unit 402, the code information generation unit 403, the code information transmission unit 404, the code information acquisition unit 405, the determination unit 406, and This can be realized by the request generation unit 407, the update request output unit 408, the update response reception unit 409, and the payout control unit 410.

  The remittance information receiving unit 401 receives remittance information including first information on a remittance person, a remittance amount and usage conditions, and second information specifying a terminal device to which the first information is output. A remitter is a user of a terminal device that is an output source of remittance information, and information about the remitter can be realized by information (for example, a user ID) that can identify the user who is the remitter . The remittance information reception unit 401 can be realized by, for example, the CPU 221, the network I / F 226, and the like provided in a computer device that realizes the server 110.

  Information on the amount specifies the amount sent from the sender to the cashier. The sender can specify any amount of money to be sent. Alternatively, the money transfer amount may be specified by the sender selecting a money amount out of a plurality of preset amounts of money. In this case, for example, a manager of the remittance system or the like opens a predetermined WEB site on the communication network 101, and causes the remitter to access the WEB site via the terminal device of the remitter. Then, according to the access, the amount of money of a plurality of levels is displayed on the display of the portable telephone or tablet terminal which realizes the terminal device of the remittance party, and among the amounts of the plurality of phases displayed on a predetermined WEB site, The sender may specify an amount of money.

  The information on the conditions of use may include information on one or the other of the period and place of conversion, and may include both. In addition, the information on the usage conditions may include all of the period of cash exchange, the place of cash exchange, and the information for authentication.

  The second information may be any information specifying the terminal device of the output destination of the first information. For example, when the terminal device of the output destination is realized by a portable telephone or a tablet terminal, the terminal device of the output destination Can be realized by the e-mail address assigned to The terminal device of the output destination may be realized by, for example, a printer having an infrared communication function. In this case, the second information can be realized by an application that executes a device discovery procedure (Device Discovery).

  The storage unit 402 includes a database. When the remittance information reception unit 401 receives the remittance information, the storage unit 402 stores the first information and the second information included in the received remittance information. The storage unit 402 can be realized by, for example, the CPU 221, the ROM 222, the RAM 223, the HDD 224, the HD 225, and the like included in a computer device that realizes the server 110.

  Based on the first information included in the remittance information received by the remittance information reception unit 401, the code information generation unit 403 generates code information that specifies the remittance person, the remittance amount, and the use conditions. The code information can be realized by image information indicating a two-dimensional code to be displayed on the terminal device 140 that has received the code information. Also, the code information may be, for example, a program that causes a terminal device that has received the code information to display a two-dimensional code based on the code information. The code information generation unit 403 can be realized by, for example, the CPU 221, the ROM 222, the RAM 223, the HDD 224, the HD 225, and the like provided in a computer device that realizes the server 110.

  The code information transmission unit 404 transmits the code information generated by the code information generation unit 403 to the terminal device of the output destination specified by the second information included in the remittance information received by the remittance information reception unit 401. The code information transmission unit 404 can be realized by, for example, the CPU 221, the network I / F 226, and the like provided in a computer device that realizes the server 110.

  The terminal device at the output destination that has received the code information stores the received code information in a predetermined storage area. When the terminal apparatus at the output destination that has received the code information receives a predetermined input operation, the terminal apparatus reads the code information stored in the storage area and outputs the read code information. The terminal device of the output destination can be realized, for example, by the above-described smartphone or the like. At this time, code information can be output, for example, by displaying an image based on the read code information on a display 235 provided in a portable telephone or tablet terminal that realizes a terminal device of an output destination. .

  The image based on the code information can be realized by, for example, a two-dimensional code such as QR code (registered trademark). Alternatively, the image based on the code information may be any image in addition to or instead of the two-dimensional code. An arbitrary image can be realized by, for example, an image specified by the user of the terminal device of the output destination among images stored in the terminal device of the output destination.

  Alternatively, any image can be accessed by performing a predetermined input operation in the terminal device of the output destination, from among the images displayed on the predetermined WEB site established on the communication network 101, the terminal of the output destination It may be realized by an image specified by the user of the device. In this case, the WEB site can be opened, for example, by the administrator of the remittance system. Further, in this case, the server may associate and store the image designated via the WEB site and the identification information of the terminal device of the output destination designating the image.

  The code information acquisition unit 405 acquires code information output from the terminal device 140 at the output destination that has received the code information. The code information acquisition unit 405 can be realized by, for example, the CPU 221, the network I / F 226, and the like provided in a computer device that realizes the server 110. In this case, the code information acquisition unit 405 reads the two-dimensional code displayed on the display of the portable telephone or tablet terminal that realizes the terminal device of the output destination, for example, by using the camera 135 of the cash dispenser 130. And acquires code information output by the terminal device of the output destination.

  The determination unit 406 determines, based on the code information acquired by the code information acquisition unit 405, whether to permit redemption based on the use condition specified by the code information. When the cash exchange period is designated as the use condition, the determination unit 406 determines whether the date and time when the code information acquisition unit 405 acquires the code information is included in the redemption period specified by the acquired code information. Do. In this case, for example, when the date when the code information acquisition unit 405 acquires the code information is included in the redemption period specified by the acquired code information, the determination unit 406 determines that the conversion is permitted.

  When the cashing place is designated as the use condition, the determination unit 406 may determine whether the installation place of the cash dispenser 130 which has acquired the code information corresponds to the cashing place. In this case, for example, when the installation place of the cash dispenser 130 that has acquired the code information corresponds to the conversion place specified by the acquired code information, the determination unit 406 determines that the conversion is permitted.

  When a period of exchange and a place of exchange are designated as the use condition, the determination unit 406 determines whether to permit the exchange based on the date and time when the code information acquisition unit 405 acquires the code information, and the code information It may be determined whether or not to permit the cash on the basis of the installation location of the cash dispenser 130 that has acquired the.

  If the code information acquired by the code information acquisition unit 405 includes authentication information used to determine whether or not to permit the conversion as a use condition, the determination unit 406 determines that the display 132 included in the cash payout device 130 is for authentication. It is also possible to display a message that requests the input of information and perform authentication processing based on the authentication information input according to the display to determine whether or not to permit the redemption. In this case, for example, the determination unit 406 compares the input authentication information with the authentication information included in the acquired code information, and determines that the conversion is permitted if they match. The determination unit 406 can be realized by, for example, the CPU 221, the ROM 222, the RAM 223, the HDD 224, the HD 225, and the like provided in a computer device that realizes the server 110.

  The update request generation unit 407 generates an update request when it is determined that the determination unit 406 permits. The update request can be realized by the information generated based on the amount of money specified by the code information acquired by the code information acquisition unit 405, and requesting the financial institution server 120 to update the balance of the corresponding account. The update request generation unit 407 can be realized by, for example, the CPU 221, the ROM 222, the RAM 223, the HDD 224, the HD 225, and the like provided in a computer device that realizes the server 110.

  The update request output unit 408 outputs the update request generated by the update request generation unit 407 to the financial institution server 120. The update request output unit 408 can be realized by, for example, the CPU 221, the network I / F 226, and the like provided in a computer device that realizes the server 110.

  When the financial institution server 120 receives the update request sent from the server, it identifies the sender based on the received update request, and updates the database to reduce the sending amount from the balance of the sender's account. Then, in response to the update request sent from the server, an update response indicating that the database has been updated according to the update request is generated. After that, the generated update response is sent to the server that is the transmission source of the update request.

  The update response receiving unit 409 receives the update response transmitted from the financial institution server 120 in response to the update request output from the update request output unit 408. The update response receiving unit 409 can be realized by, for example, the CPU 221, the network I / F 226, and the like provided in a computer device that realizes the server 110.

  When the update response receiving unit 409 receives the update response output from the financial institution server 120 in response to the update request sent by the update request output unit 408, the payout control unit 410 acquires the code information acquired from the cash payout device 130. Pay out the amount of cash specified by. When the payout control unit 410 determines that the determination unit 406 permits, a payout instruction that causes the cash payout device 130 that has acquired the code information related to the determination to pay out the cash of the amount specified by the acquired code information. Output Thereby, cash of the amount specified by the code information can be paid out. The payout control unit 410 can be realized by, for example, the CPU 221, the ROM 222, the RAM 223, the HDD 224, the HD 225, the network I / F 226, and the like included in a computer device that realizes the server 110.

(Process procedure of remittance system)
Below, the processing procedure of each part which comprises the remittance system of embodiment concerning this invention is demonstrated.

(Processing procedure of the terminal device of the user (render))
FIG. 5A and FIG. 5B are flowcharts showing the processing procedure of the terminal device 140 of the user (render) who constitutes the remittance system according to the embodiment of the present invention. The process shown in the flowchart of FIG. 5A is performed when the user remittance is performed at the terminal device 140 of the user who uses the remittance system as the remittance party. The process shown in the flowchart of FIG. 5B is performed when a predetermined application (a remittance program) for realizing the function of the remittance system is activated in the terminal device 140 of the user who performs remittance.

  In the flowchart of FIG. 5A, first, the process waits until the input operation of remittance information is received (step S501: No). In step S501, for example, the process waits until an input operation for displaying an input screen (not shown) of remittance information is received. The input screen of remittance information can be displayed, for example, on the display 235 provided in the smart phone that realizes the terminal device 140 of the user when the user who is the remitter performs predetermined authentication.

  The input screen of remittance information displays, for example, an input field for inputting a remittance amount and usage conditions, an operation key for determining input content, and an end key for interrupting / terminating the process. The user inputs information in accordance with the display content of the remittance information input screen, and operates the operation key for determining the input content when the input content is determined. In addition, the user inputs information in accordance with the display content of the remittance information input screen, and operates the end key if the process is interrupted before the input content is determined.

  In step S501, when the input operation of remittance information is received (step S501: Yes), it is determined whether the transmission operation of remittance information is received (step S502). In step S502, it is determined whether the operation of the operation key for determining the input content has been received while the remittance information input screen is displayed.

  In step S502, when the transmission operation of remittance information is received (step S502: Yes), remittance information is generated based on the information input according to the display content of the remittance information input screen (step S503), and the server 110 On the other hand, the remittance information generated in step S503 is transmitted (step S504), and the series of processing is ended.

  In step S502, when the transmission operation of remittance information has not been received (step S502: No), it is determined whether the end operation has been received (step S505). In step S505, it is determined whether the operation of the end key for interrupting / terminating the process is accepted while the remittance information input screen is displayed.

  In step S505, when the end operation has not been received (step S505: No), the process returns to step S501. On the other hand, when an ending operation is received in step S505 (step S505: Yes), a series of processing ends.

  In the flowchart of FIG. 5B, first, the process waits until the delivery notification is received (step S511: No). In step S511, when the delivery notice is received (step S511: Yes), the delivery notice received in step S511: Yes is stored in the database (step S512).

  In the terminal device of the user, when the payment notification is stored in step S512, the terminal device of the user is notified of a mark or the like for notifying that the payment notification has been received, as in the case of receiving the general e-mail. You may display on the display 235 with which the smart phone to implement | achieve is equipped. The user can display the stored payout notification on the display 235 by performing the same output operation as the operation of displaying a general electronic mail.

  Next, it is determined whether or not the output operation of the stored payout notification has been received (step S513). In step S513, when the output operation of the stored payout notification is not received (step S513: No), the process returns to step S511. On the other hand, when the output operation of the stored payout notification is received in step S513 (step S513: Yes), the corresponding payout notification is output (step S514). In step S514, for example, the payout notification stored in step S512 can be displayed on the display 235 to output the payout notification.

  Thereafter, it is determined whether an end operation for ending the remittance program has been received (step S515), and when the end operation has been received (step S515: Yes), a series of processing ends. On the other hand, when the end operation is not received in step S515 (step S515: No), it is determined whether or not an operation different from the end operation is received (step S516). If another operation is accepted in step S516 (step S516: Yes), another process is performed according to the other operation. On the other hand, in step S516, when another operation is not received (step S516: No), it transfers to step S515.

(Processing procedure of server 110)
6A and 6B are flowcharts showing the processing procedure of the server 110 that constitutes the remittance system according to the embodiment of the present invention. In the flowchart of FIG. 6A, first, the process waits until the remittance information transmitted in step S504 of FIG. 5A is received (step S601: No). In step S601, when remittance information is received (step S601: Yes), the first information included in the remittance information is stored in the database based on the received remittance information (step S602). In step S602, the second information included in the received remittance information may be associated and stored.

  Next, code information is generated based on the remittance information received in step S601: Yes (step S603). In step S603, as described above, for example, a two-dimensional code such as a QR code is generated as code information. Thereafter, the code information generated in step S603 is transmitted to the terminal device 140 of the output destination, that is, the terminal device 140 of the casher, specified based on the second information included in the remittance information received in step S601: Yes. Then (step S604), the series of processing ends.

  The code information transmitted in the process of step S604 is a smart phone that realizes the terminal device 140 of the coder if the terminal device 140 of the output destination of the code information, that is, the terminal device 140 of the casher receives a predetermined input operation. Is provided to display a predetermined image on a display 235 provided in In this embodiment, when the terminal device 140 of the casher receives a predetermined input operation, a display provided with a smartphone that realizes the terminal device 140 of the casher, a predetermined image including a two-dimensional code such as a QR code. Display at 235.

  In the flowchart of FIG. 6B, first, the process waits until receiving a conversion request transmitted from the cash dispenser 130 (step S611: No). The cash exchange request is made by cashing the image based on the code information displayed on the display 235 provided in the smart phone that realizes the terminal device of the output destination, the terminal device 140 of the output destination receiving the code information transmitted in step S604 of FIG. 6A. When the dispensing device 130 is read, it is transmitted from the cash dispensing device 130. The redemption request includes code information and identification information of the cash dispenser 130 that is the transmission source of the redemption request.

  In step S611, when the replacement request is received (step S611: Yes), the use condition is specified based on the code information included in the received replacement request (step S612). In step S612, the usage condition can be specified directly from the code information by reading the usage condition from the code information included in the received replacement request. Alternatively, in step S612, based on the sender specified by the code information included in the received conversion request, the database may be referenced to specify the terms of use associated with the sender.

  Next, based on the use conditions specified in step S612, it is determined whether or not to permit the conversion (step S613). In step S613, for example, when the conversion period is designated as the use condition, as described above, the date and time when the code information was acquired (the date and time when the cash dispenser 130 read the code information) It is determined whether or not it is included within the specified conversion period. Further, in step S613, for example, when the cashing place is designated as the use condition, the place where the code information is acquired (the installation place of the cash dispenser 130 which has read the code information) is acquired as described above. It is determined whether it corresponds to the inside of the conversion place specified by the code information.

  If it is determined in step S613 that the cashing is permitted (Yes in step S613), the sender and the amount of money are specified based on the cashing request received in step S611: Yes (step S614). In step S614, by reading the remittance amount from the code information included in the received conversion request, the remittance amount can be specified directly from the code information. Alternatively, in step S614, based on the sender specified by the code information included in the received conversion request, the database may be referenced to specify the sending amount associated with the sender.

  If it is determined in step S613 that the conversion is permitted (step S613: YES), the fact that the conversion request received in step S611: Yes is permitted is stored in the database (step S615). In step S615, for example, based on the replacement request, the corresponding use condition is identified in the database 310, associated with the specified use condition, and a flag indicating that the replacement request is permitted is set as the use status.

  Next, by paying out the remittance amount specified in step S614 from the remittance account specified in step S614, update of the database of the financial institution server 120 is requested to update (decrease) the remaining amount of the account. An update request is generated (step S616), and the update request generated in step S616 is transmitted to the financial institution server 120 (step S617). Then, the process waits until the withdrawal response transmitted from the financial institution server 120 is received in response to the update request transmitted in step S617 (step S618: No).

  In step S618, when the withdrawal response transmitted from the financial institution server 120 is received in response to the update request transmitted in step S617 (step S618: Yes), the conversion permission corresponding to the conversion request received in step S611: Yes A response is generated (step S619). In step S619, for example, a cash exchange authorization response including a payment instruction of the remittance amount specified in step S614 is generated. After that, the substitution authorization response generated in step S619 is transmitted to the cash dispensing apparatus 130 as the transmission source of the substitution request received in step S611: Yes (step S620), and the series of processing is ended.

  On the other hand, when it is determined in step S613 that the conversion is not permitted (step S613: No), a conversion nonpermission response corresponding to the conversion request received in step S611: Yes is generated (step S621). In step S621, for example, a cash nonpermission response including a reason for not permitting cash conversion may be generated.

  Specifically, for example, when the cash exchange period is designated as the use condition, in step S621, the date and time when the code information was acquired (the date and time when the cash dispenser 130 read the code information) is based on the acquired code information A cash refusal response may be generated that includes as a reason not to allow not being included within the cashing period identified. Also, for example, when a conversion location is specified as the use condition, in step S621, the location where the code information is obtained (the installation location of the cash dispenser 130 which has read the code information) is specified by the obtained code information. It is possible to generate a cash refusal response that includes as a reason not to allow not to fall within the cash location. Thereafter, the cash nonpermission response generated in step S621 is transmitted to the cash payout apparatus 130 which is the transmission source of the cash exchange request received in step S611: Yes (step S622), and the series of processing is ended.

(Processing procedure of cash dispenser 130)
FIG. 7 is a flow chart showing the processing procedure of the cash dispenser 130 constituting the remittance system according to the embodiment of the present invention. In the flowchart of FIG. 7, first, the process waits until the operation of reading code information is received (step S 701: No). In step S701, for example, when a predetermined input operation is performed on the cash dispenser 130, it can be determined that the reading operation of the code information is accepted.

  In step S701, when the reading operation of code information is received (step S701: Yes), image data is acquired by the camera 135 (step S702). In step S702, for example, image data of a two-dimensional code read by the camera 135 is acquired within a predetermined time after receiving a reading operation of code information in step S701.

  Next, the image data acquired in step S702 is analyzed (step S703), and code information included in the read image data is extracted (step S704). Then, based on the code information extracted in step S704, the above-described substitution request is generated (step S705), and the substitution request generated in step S705 is transmitted to the server 110 (step S706).

  Next, it is determined whether or not the substitution approval response corresponding to the substitution request transmitted in step S706 has been received (step S707). In step S 707, when the conversion permission response is received (step S 707: Yes), based on the received conversion permission response, the cash of the amount specified by the transfer amount is paid out from the cash payment exit 133 (step S 708).

  Thereafter, a payout notification notifying that the cash payout in step S 708 is completed is generated (step S 709), and the payout notification generated in step S 709 is transmitted to the server 110 (step S 710). End the process.

  On the other hand, in step S707, when the conversion permission response is not received (step S707: No), it is determined whether the conversion non-permission response is received (step S711). In step S711, when the cash non-permission response is received (step S711: Yes), cash non-permission is notified (step S712), and the series of processing is ended. In step S712, the display 132 of the cash dispenser 130 has a message "It can not be handled at present. Please check the conditions of use.", "It is out of use time. Please check the use time.", "This By displaying a message such as "Not available on the device. Please check the available location."

  If it is determined in step S711 that a conversion nonpermission response has not been received (step S711: NO), it is determined whether or not a predetermined time has elapsed since the conversion request was transmitted in step S706 (step S713). Then, in step S713, when a predetermined time has elapsed since the exchange request has been transmitted in step S706 (step S713: Yes), a series of processing ends. On the other hand, if the predetermined time has not passed since the exchange request was transmitted in step S706 (step S713: No), the process returns to step S707, and it is determined whether the exchange permission response has been received.

(Processing procedure of the terminal device of the user (mower))
FIG. 8A, FIG. 8B and FIG. 8C are flowcharts which show the processing procedure of the terminal device of the user (payment person) which comprises the remittance system of embodiment concerning this invention. The processes shown in the flowcharts of FIG. 8A, FIG. 8B and FIG. 8C are performed when the user converts money in the terminal device of the user who uses the remittance system as a casher.

  In the flowchart of FIG. 8A, first, the process waits until the code information transmitted from the server 110 in step S604 of FIG. 6A is received (step S801: No). Then, when the corresponding code information is received in step S801 (step S801: Yes), the received code information is stored (step S802), and the series of processing is ended.

  The processes shown in the flowcharts of FIGS. 8B and 8C are performed when a predetermined application (remittance program) for realizing the function of the remittance system is activated in the terminal device of the user who performs remittance. In the flowchart of FIG. 8B, first, the process waits until the output operation of the code information stored in step S802 of FIG. 8A is received (step S811: No). In step S811, for example, the process waits until an input operation for displaying a code information output screen (not shown) is received.

  The output screen of the code information can be displayed, for example, on the display 235 provided in the smart phone that realizes the terminal device of the user when the user who is the casher performs predetermined authentication. The code information output screen displays a list of stored code information, an operation key for selecting the code information to be output, an operation key for instructing the output of the selected code information, and the like.

  In step S811, when the output operation of the code information is received (step S811: Yes), the designated code information is displayed (step S812), and the series of processing is ended. As a result of the process of step S812, a two-dimensional code based on the code information or an image including the two-dimensional code is displayed on the display 235 provided in the smartphone that realizes the terminal device of the casher.

  In the remittance system 100, by performing the process shown in FIG. 8C according to the predetermined input operation of the terminal of the casher, the casher can appropriately change the image displayed based on the code information. In the flowchart of FIG. 8C, first, the process waits until the change operation of the code information is received (step S821: No).

  When the change operation of code information is received in step S821 (step S821: Yes), the change screen of the image is displayed on the display 235 of the smart phone that realizes the terminal device of the casher (step S822). The image change screen can be displayed by accessing a predetermined WEB site established on the communication network 101. In the image change screen, a plurality of images which become candidates for the image after the change display operation keys for selecting the image and the like.

  The casher who changes the image operates the operation unit 236 provided in the smartphone that realizes the terminal device of the casher to select code information for changing the image, and after selecting the image after the change, the determination is made. Operate the operation keys of. As a result, the image data after the change is downloaded to the smartphone that realizes the terminal device 140 of the casher, and the downloaded image data and the selected code information are associated and stored.

  Thereafter, it is determined whether an end operation has been received (step S823). In step S 823, it is determined whether the operation of the end key for ending the process is accepted while the change screen of the image is displayed. In step S823, when the end operation is not received (step S823: No), the process returns to step S822, and when the end operation is received (step S823: Yes), a series of processing ends.

  In the remittance system 100 of the embodiment described above, the cash dispenser 130 acquires the code information displayed by the terminal device 140 of the casher by reading it, and the server 110 carries out the cashing in response to the cashing request based on the code information. It is judged whether or not to permit, the judgment result is outputted to the cash dispenser 130, and the cash dispenser 130 pays out cash based on the judgment result. It is not limited to what is done. For example, instead of the server 110, the determination regarding the permission of the conversion may be performed by the terminal device 140 of the casher.

  Specifically, in this case, the terminal device 140 of the casher is realized by, for example, a smartphone having a function capable of specifying the position of the terminal device 140 of the casher, such as a GPS function, and a two-dimensional code such as QR code Permission to display the predetermined image based on the location where the terminal device 140 of the cashier is currently located, the date and time when the input operation to be displayed is received, etc. It can be determined whether or not to. And, in this case, when the terminal device 140 of the casher determines that the display of the predetermined image is permitted, a two-dimensional code such as a QR code is displayed on the display 235 of the smartphone that realizes the terminal device 140 of the casher. Display a predetermined image including. As described above, the processing load on the server 110 can be reduced by making the determination on the permission of the conversion in the terminal device 140 of the casher.

  The determination made in the terminal device 140 of the casher is not limited to the current location of the terminal device 140 of the casher and the date and time when the input operation for displaying a predetermined image is received. The determination made by the terminal device 140 of the casher may be made based on the input password, for example, requesting the input of the above-mentioned predetermined password instead of or in addition to the place or the date and time.

  As described above, when making a determination as to whether or not to permit the display of a predetermined image in the terminal device 140 of the casher, the determination may be made by the above remittance installed in advance in the smartphone that realizes the terminal device 140 of the casher. It can be done by executing the program. Also, in this case, when the remittance program is executed, communication is performed between the terminal device 140 of the casher and the server 110, and information necessary for the judgment of the terminal device 140 of the casher is acquired from the server 110. May be

  The determination as to whether or not to permit the display of a predetermined image in the terminal device 140 of the casher may be performed in addition to the determination as to whether or not to permit the conversion in the server 110 (see step S613), Instead of the determination as to whether or not to permit the conversion at the server 110, it may be a determination as to only the process at the terminal device 140 of the money converter. In the case where the determination of the permission for the conversion is realized only by the determination of whether to permit the display of the predetermined image performed on the terminal device 140 of the casher, the processing load on the server 110 is reduced as described above. be able to. On the other hand, it is possible to ensure high security and to ensure the reliability of the remittance system 100 by making the determination regarding the permission of the cash exchange in the server 110 and the terminal device 140 of the casher, respectively.

  In the remittance system 100 according to the embodiment described above, the server 110 provided with the database and the financial institution server 120 provided with the financial institution database are respectively provided, but the present invention is not limited to this. For example, the financial institution server 120 may be provided with a database and a financial institution database, and the financial institution server 120 may be used to provide a remittance service. In this case, the financial institution can provide the remittance service according to this embodiment as a part of the service provided by the financial institution, thereby securing the customer of the financial institution such as the depositor. .

  As described above, the remittance system 100 according to the embodiment of the present invention specifies the first information on the sender, the remittance amount and the usage condition, and the second information processing apparatus to which the first information is output. Of the remittance information including the following information, and based on the first information included in the received remittance information, generating code information for specifying the remittance It transmits to the terminal device of the output destination designated by the 2nd information contained in remittance information.

  Then, the code information output by the terminal device receiving the code information is acquired, and based on the acquired code information, it is determined whether or not to permit repayment based on the usage condition specified by the code information. If it is determined that it is determined that it is permitted, an update request is output to the financial institution server 120, and if an update response output from the financial institution server 120 that has updated the balance according to the output update request is accepted, cash payment is issued. It is characterized by paying out cash of the corresponding amount from the device 130.

  According to the remittance system 100 of the embodiment according to the present invention, the casher can convert to cash at any timing according to the need of the casher, so cash settlement can be performed without carrying cash. It can be done.

  Further, according to the remittance system 100 of the embodiment of the present invention, the cashier can obtain cash simply by performing a simple operation only by having the cash dispenser 130 read the code information at the time of cash exchange. Can. As a result, the casher can obtain cash easily and surely without going through complicated procedures such as proceeding at a window of a financial institution such as a bank.

  Further, according to the remittance system 100 of the embodiment of the present invention, what the cashier gets is cash only of the amount specified by the remittance person, and only when the usage conditions specified by the remittance person are met. Unlike the conventional checks (electronic checks) and the like, cashing conditions are allowed to be managed by the sender since cashing is permitted.

  Further, according to the remittance system 100 of the embodiment of the present invention, since the use conditions can be specified in advance by the remittance person at any timing, the remittance person can be determined by asking for permission of the remittance person at the time of repayment. There is no bother. As a result, it is possible to carry out the exchange according to the usage conditions specified by the remittance person without putting a burden on the remittance person. Also, this allows the cashier to quickly obtain cash without waiting for the approval of the sender.

  Further, according to the remittance system 100 of the embodiment of the present invention, since the remittance person can specify an arbitrary usage condition, the remittance person and the money exchange person do not perform confirmation work at the time of repayment. Money can be redeemed according to the conditions of use intended by the sender.

  As described above, according to the remittance system 100 of the embodiment according to the present invention, it is possible to eliminate the loss or waste of cash by eliminating the cash carrying around in the unnecessary situation, and easily in the necessary situation. You can get cash.

  Further, the remittance system 100 according to the embodiment of the present invention is characterized in that the information on the usage conditions includes at least one of information on a period of money exchange and information on a place of money exchange.

  According to the remittance system 100 according to the embodiment of the present invention, the remittance system 100 can be widely used by designating easy-to-understand usage conditions such as a period of cash exchange and a place of cash exchange. As a result, the casher can obtain cash by a simple operation of making the cash dispenser 130 read the two-dimensional code, with the cashing period and the cashing place being remembered.

  Also, as a result, there is no need to learn complicated input operations of the user's terminal device 140 and the cash dispenser 130, for example, so even people who are not good at machine operation, children, elderly people, etc. System 100 can be utilized. Then, by increasing the use opportunity of the remittance system 100, the user is made aware of the installation location of the cash dispenser 130 (ATM) used for the use of the remittance system 100, and the cash dispenser 130 and the cash dispenser It is possible to increase opportunities for using financial institutions and stores where 130 are installed.

  Further, in the remittance system 100 according to the embodiment of the present invention, the information on the conditions of use includes authentication information used to determine whether or not to permit the conversion, and is input in response to the input request for the authentication information. It is characterized in that it is determined whether or not to permit the redemption based on the authentication information and the authentication information included in the information on the use condition specified by the acquired code information.

  According to the remittance system 100 of the embodiment of the present invention, by performing authentication at the time of cash exchange, cash out by a malicious third party who illegally obtained the two-dimensional code can be prevented. Thereby, the user of the remittance system 100 can use the remittance system 100 with confidence.

  Further, when the cash is paid out from the cash dispenser 130, the remittance system 100 according to the embodiment of the present invention is used as a remitter based on the first information included in the remittance information for the cash withdrawal. It is characterized in that a payment notice notifying that the cash has been paid out is transmitted to the terminal device 140 of the person.

  According to the remittance system 100 according to the embodiment of the present invention, each time cash is paid out based on the remittance information, it is possible to inform the remittance person that the money has been paid out. As a result, the user as the remittance party can grasp whether or not the cashing has actually been made in accordance with the usage conditions designated by the user.

  The remittance system 100 according to the embodiment of the present invention can be used, for example, as follows.

(Example 1 of use)
When a parent transfers money to a child using the remittance system 100, for example, the parent who becomes a remitter receives remittance information including use conditions that specify the day of the child's learning and the time period when the learning ends. Are transmitted in advance to the terminal device of the child who will be the cashtaker through the server 110. In this case, the remittance information may include usage conditions specifying a convenience store located between the place of learning of a child (a classroom for learning, setting place of a sports club, etc.) and a home as a use place. In this way, the child can convert to cash at the convenience store between the place of the lesson and his home and can shop with the cash when the lesson is over.

  According to such a method of use, the parent can give the child himself the shopping experience in a time zone or place restricted by the parent without giving the child cash or a card. The child can shop for himself after completing the lessons without having to worry about carrying cash or cards and going to the lessons. In addition, since children can learn while they are looking forward to shopping after attaining the lessons, they can be motivated to learn.

  In addition, by specifying the time and place where you can shop, you can prevent the child from going off or going far from home, and to some extent the child's activity range without the parents going about the child It can be restricted. In this way, it is possible to respect the independence of the child and have the child take the lead in the experience of handling cash and shopping.

(Example 2 of use)
When a child whose monthly allowance is 3,000 yen is used as a casher, a parent who becomes a remitter to the child sets the amount of money to 100 yen when using the remittance system 100, “every day 15: 00-18 The remittance information including the use condition designated as “00” as the use period may be transmitted in advance to the own terminal device to be the casher via the server 110. In this way, parents can divide their pocket money daily without doing complicated work, and the child can earn 100 yen per day.

(Example 3 of use)
The remittance system 100 allows the sender to use himself as a cashier. In this case, for example, the remittance information including the use conditions in which the remittance amount is 1000 yen and which designates the use period as “7:00 to 19:00 every Monday to Friday” is redeemed via the server 110. It is sent in advance to its own terminal device. In this way, it is possible to specify the amount of money that can be used per day on weekdays from Monday to Friday. And, by cashing out for shopping and eating, it is possible to limit the amount of money that can be spent on one day.

  In such a usage method, for example, the amount of money spent for lunch can be limited by designating the usage period in accordance with the lunch break time zone. Also, in such a usage method, for example, by designating a limited time zone after work or school is over as the usage period, the amount of money per day that can be spent after work or school is over Can be limited. This makes it possible to use salaries and allowances systematically and to prevent sudden waste.

(Example 4 of use)
The remittance system 100 sends a payment notification to the sender when cashed out. For example, between a specific partner such as a couple, it is possible to use itself as a sender and the partner as a casher. In this case, it is possible to mutually monitor consumption by shopping and meals by establishing rules for cash payment for shopping and meals between the couple.

(Example 5 of use)
The remittance system 100 can be used to provide a service from a store to a customer. In this case, the two-dimensional code is distributed regularly or irregularly to the customer who registered the e-mail address in advance. Among the two-dimensional codes to be delivered, one or a prescribed number of two-dimensional codes are generated based on the remittance information. Also, in this case, the cash dispenser is installed in the store. As a result, the customer visits the store to check whether the distributed two-dimensional code is a two-dimensional code generated based on the transmission information, that is, a redeemable two-dimensional code. And, by this, it is possible to increase the opportunity for customers to come to the store and expect the effect of sales promotion.

(Usage example 6)
The reading of the two-dimensional code based on the code information is not limited to that performed by the cash dispenser 130. For example, in a retail store such as a supermarket, the camera 135 may be provided at a POS terminal that performs accounting. Thereby, in the case of the above-mentioned usage example 5, when the sending amount is included in the two-dimensional code read by the POS terminal, it is possible to carry out a service for subtracting the sending amount from the payment amount.

(Example 7 of use)
Further, in the service of Usage Example 5 above, the remittance information including the usage conditions designating “20th of every month” for performing the bargain sale service at the store using the remittance system 100 is redeemed via the server 110 via the server 110. It may be transmitted in advance to the own terminal device that is the person in charge. Thereby, the improvement of the customer attraction effect on the sale day can be expected.

  As described above, the remittance system according to the present invention is useful for a remittance system that remits cash from one user to another, and is particularly suitable for a remittance system that can receive cash safely by a child or the like. There is.

100 remittance system 110 server 120 financial institution server 130 cash dispenser 140 user's terminal device 401 remittance information reception unit 402 storage unit 403 code information generation unit 404 code information transmission unit 405 code information acquisition unit 406 determination unit 407 update request generation unit 408 update request output unit 409 update response receiving unit 410 payout control unit

Claims (7)

Accept remittance information including first information on a remittance person, a remittance amount and usage conditions, and second information specifying a terminal device to which the first information is output;
Based on the first information included in the received remittance information, code information for specifying the remittance person, the remittance amount and the usage condition can be generated, and the remittance of the remittance amount can be performed multiple times as the usage condition. It is possible to generate said code information identifying certain things,
Sending the generated code information to the terminal device of the output destination specified by the second information included in the received remittance information;
Acquiring code information output from a terminal device of an output destination that has received the code information;
Each time the code information is acquired, when it is determined whether or not to permit the repayment based on the usage condition specified by the acquired code information, the acquired code information may perform the remittance of the money amount multiple times. If it is code information that specifies that it is possible, allow two or more conversions,
If it is determined that permission is given, the balance is updated based on the amount specified by the acquired code information to a financial institution server provided with a database that stores the balance in association with each account number identifying the sender's account. Output update request,
When an update response output from the financial institution server which has updated the balance in response to the output update request is received, the predetermined amount of cash designated by the acquired code information is paid out from a predetermined cash dispenser which dispenses cash. put out,
Remittance system characterized by Generating the code information that specifies the number of times the transfer amount can be redeemed as the usage condition;
Based on the number of times that it is possible to carry out the conversion specified by the acquired code information, it is judged that the conversion is permitted until the number of times is reached,
The remittance system according to claim 1, characterized in that.   The money transfer system according to claim 1 or 2, wherein the information on the use conditions includes at least one of information on a period of money and information on a place of money. When cash is paid out from the cash dispensing apparatus, a payment notification is sent to notify the terminal device of the remittance that the cash has been paid out, based on the first information included in the remittance information pertaining to the cash payment. Do,
The remittance system according to any one of claims 1 to 3, characterized in that. Remittance including first information on a remittance person, remittance amount, usage conditions including at least one of a cash exchange period and a cash exchange location, and second information specifying a terminal device to which the first information is output Accept the information,
Based on the first information included in the received remittance information, generate code information specifying the remittance person, the remittance amount and the terms of use;
Sending the generated code information to the terminal device of the output destination specified by the second information included in the received remittance information;
Acquiring code information output from a terminal device of an output destination that has received the code information;
Based on the usage conditions specified by the acquired code information, it is determined whether or not to permit the conversion,
If it is determined that permission is given, the balance is updated based on the amount specified by the acquired code information to a financial institution server provided with a database that stores the balance in association with each account number identifying the sender's account. Output update request,
When an update response output from the financial institution server which has updated the balance in response to the output update request is received, the predetermined amount of cash designated by the acquired code information is paid out from a predetermined cash dispenser which dispenses cash. put out,
The terminal device capable of communicating with a server that performs processing;
Receiving the code information sent from the server;
When the use condition specified by the received code information includes a conversion period, whether to output the code information based on the conversion period and the date and time when the output request for the code information is made Judge
When the use condition specified by the received code information includes a conversion location, the code information is output based on the conversion location and the position of the terminal when the output request of the code information is requested. Judge whether or not
When it is determined to output the code information, the code information is output.
A program that runs a process. The server is
Generating the code information that specifies the number of times the transfer amount can be redeemed as the usage condition;
Based on the number of times that it is possible to carry out the conversion specified by the acquired code information, it is judged that the conversion is permitted until the number of times is reached,
The program according to claim 5, characterized in that processing is performed. The server is
When cash is paid out from the cash dispensing apparatus, a payment notification is sent to notify the terminal device of the remittance that the cash has been paid out, based on the first information included in the remittance information pertaining to the cash payment. Do,
The program according to claim 5 or 6, wherein the processing is performed.

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