JP6839630B2 - Cash out system using smartphone - Google Patents

Description

The present invention relates to a cash-out system for withdrawing cash from a bank account via an automatic checkout machine at a station or hospital, and in particular, a cash-out system in which a user performs a cash-out operation using a general-purpose mobile terminal such as a smartphone. Related.

When withdrawing cash from a bank account, an automated teller machine (ATM) installed at a bank's head office or branch office is usually used. However, after the revision of the Banking Act Enforcement Regulations (Article 13-6-4) in April 2017, the bank entrusted the "deposit receipt and payment work" to a third party, and even from terminals owned by the third party. Withdrawals from bank accounts are now possible. "Withdrawal from a bank account using a terminal owned by a third party" is called cash out. Hereinafter, cash out (Cash-Out) may be abbreviated as CO.

In Patent Document 1 and Patent Document 2, a cash-out event is performed in the same manner as when a user's debit card or credit card, a store card payment terminal, and a cash register terminal / POS terminal are used to make a payment at the time of product sales. Discloses a system and method for processing cash register terminals / POS terminals.

On the other hand, as an infrastructure for settlement and transfer of funds, 24 of CARDNET (registered trademark), which transfers funds immediately by direct debit between the savings account / checking account of the same bank and the coordinating account (separate account). Real-time fund transfer services for time are widespread.

JP-A-2007-241760 Japanese Unexamined Patent Publication No. 2008-077481

In the techniques described in Patent Documents 1 and 2 above, the user needs to own and hold a credit card or a debit card, and the store is dedicated to connecting the card payment terminal to the computer of the financial institution. It is necessary to prepare a communication line. It also requires a barcode reader to identify "cash out" items and a means to withdraw cash. Therefore, cashier terminals / POS terminals of supermarkets and convenience stores are used as cash-out terminals.

In the present invention, a system for cash out can be constructed by using an automatic checkout machine such as a hospital, a ticket office, a golf course, and a public network such as the Internet. Users do not need to own or hold a credit card or debit card, and can withdraw cash using a smartphone.

In the present invention, a wallet server is provided that connects to a real-time fund transfer gateway (GW) that provides a real-time fund transfer service via a dedicated line, and also connects to a user's smartphone or automatic payment machine via the Internet. The consignment store (and consignment hospital) and the user who are entrusted with the "deposit receipt and payment work" have a savings account or a checking account at the bank (let's call it X bank), which is the consignment company, respectively, and each with X bank. It is necessary to conclude an account transfer contract. In the wallet server, the account information of the user who completed the account transfer contract and the consignment store is registered in advance.

The wallet server assigns a unique ID to the system to each of the user and the automatic checkout machine of the consignment store. The user and the consignment store install the application software for cash-out processing (hereinafter referred to as the user application and the settlement application) on the smartphone or the automatic settlement machine, respectively. The user's smartphone and the automatic checkout machine of the consignment store communicate with each other via the cash-out application software (hereinafter referred to as CO application) of the wallet server.

When the user inputs the cash-out amount in the automatic payment machine of the consignment store, the information is sent to the CO application of the wallet server by the payment application of the automatic payment machine, and the CO application is QRed to the display device of the automatic payment machine. Display the code (registered trademark). When the QR code is read by the user's smartphone, the user application displays the information on the display screen of the smartphone. Next, the CO app prompts the user to enter the PIN on the smartphone. The entered PIN is sent to the CO app for verification. If the verification is successful, the CO app sends the fund transfer data for withdrawing (cash out amount + fee) from the user's account to the real-time fund transfer GW, and instructs the automatic payment machine to withdraw cash. The real-time swaying GW debits the user's account and deposits it into the bank's central account. At this stage, no payment has been made to the consignment store that made the cash withdrawal.

The money to be paid to multiple consignment stores is temporarily stored together in the coordinating account without distinction. The wallet server aggregates the amount (distribution) to be paid to the consignment store from the bank X's coordinating account on a regular basis or in response to a request from the consignment store according to a contract with each consignment store. Further, the wallet server creates deposit account transfer data from the account information and distribution of the consignment store and transmits it to the real-time fund transfer GW. The real-time quibble GW deposits distributions from the bank account of X Bank to the bank account of the consignment store.

The consignment store can use an automatic checkout machine for cash out, and there is no need to prepare a special communication line. Individual users do not have to carry a card with them. The Internet is used to connect the automatic checkout machine and the wallet server, but important information such as account information is transmitted to the real-time speech GW without going through the Internet, so it is highly secure. In addition, since important information such as account information and PIN is not stored in the smartphone of an individual user, the possibility of information leakage or unauthorized use due to loss or theft of the smartphone is reduced.

Other objects, features and advantages of the present invention will become apparent from the following description of the embodiments of the present invention with respect to the accompanying drawings.

It is an overall block diagram of a cash-out system. This is an example of a configuration diagram of a wallet server. This is an example of a configuration diagram of a user database (DB). This is an example of a configuration diagram of the settlement machine DB. This is an example of a configuration diagram of the CO preparation information DB. This is an example of a configuration diagram of the CO management information DB. This is an example of the configuration diagram of the fee DB. It is a flowchart explaining the cash-out process starting from a settlement machine. It is a flowchart explaining the cash-out process starting from a user's smartphone. This is an example of the display screen of the automatic checkout machine at the start of cash out. This is an example of the display screen of the automatic payment machine when the cash out amount is selected. This is an example of the display screen of the automatic payment machine that displays the QR code. This is an example of screen display displayed on the user's smartphone at the start of cash out. This is a display example shown on the user's smartphone when entering the cash-out PIN. This is an example of fund transfer data when debiting from a user's account. It is a flowchart explaining the distribution process of the withdrawal money from a collecting account to each consignment store in a wallet server. This is an example of fund transfer data when making a deposit from a collection account to each consignment store. It is a figure for demonstrating the multi-bank cash-out system (Example 5) which accommodates a multi-bank. It is an example of the block diagram of the wallet server according to Example 5. This is an example of the configuration diagram of the user DB according to the fifth embodiment. It is an example of the block diagram of the settlement machine DB according to Example 5. This is an example of the configuration diagram of the CO management information DB according to the fifth embodiment. It is a flowchart which shows the flow of performing the interbank settlement in a wallet server. It is an example of the block diagram of the CO preparation information DB according to Example 6. This is an example of the configuration diagram of the CO management information DB according to the sixth embodiment. It is a flowchart explaining the settlement & cash-out processing starting from the settlement machine by Example 6. It is a flowchart explaining the settlement & cash-out process starting from a user's smartphone according to Example 6.

1. 1. Overall view of the system Fig. 1 shows the configuration diagram of the entire cashout system.
The user's smartphone 1 may be a general-purpose mobile terminal or tablet terminal, and includes an input device such as a touch panel, a display screen, a wireless interface for connecting to the Internet, a processor, a memory, and a camera. A GPS receiver may be included. A user application (user application) for cash out is installed on the user's smartphone 1.

The automatic checkout machine 2 of the consignment store has an input device such as a touch panel and a keyboard, a display screen, a processor, a memory, and a cash acceptance / withdrawal device of a general-purpose automatic checkout machine, as well as wireless or wired for connecting to the Internet. Includes an interface, a camera or QR code reader for reading various codes. An application for an automatic payment machine (payment application) for cash out is installed in the automatic payment machine 2.

The wallet server 4 is connected to the user's smartphone 1 and the automatic checkout machine 2 of the consignment store by a public line, typically the Internet 3. The real-time fund transfer gateway (real-time fund transfer GW) 7 is connected to the computer system 8 of the bank X, which is the entrusting bank, by the dedicated network 6. The wallet server 4 and the real-time oscillating GW 7 are connected by a dedicated line 5. Real-time fund transfer GW7 provides a real-time fund transfer service.

This cash-out system may also serve as a payment system for making payments between the user and the consignment store (member store).

2. 2. Configuration of wallet server FIG. 2 shows the configuration of the wallet server 4. The wallet server 4 is a general-purpose server including a processor, a memory, a large-capacity recording device, and a communication interface, and each part shown in FIG. 2 is realized by the processor executing a software program on the memory. The wallet server 4 may be shared with a payment system that makes a payment between a user and a consignment store (member store).

The cash-out application software (CO application) 200 includes a unit that realizes the following functions.
(1) Authentication unit 201: A user who has accessed the wallet server 4 or is trying to withdraw a deposit, or an automatic checkout machine of a consignment store that has accessed the wallet server 4, such as a password or an authentication code. Authenticate using a well-known method.

(2) Account balance confirmation unit 202: At the time of cash out, a request for confirming the user's account balance is sent to the real-time speech GW7, and the user's account balance is obtained from the bank where the user's account is located.

(3) Settlement machine search unit 203: Searches for stores and places where automatic checkout machines are located according to the settlement machine search request and search conditions from the user's smartphone 1, and sends the search results to the user's smartphone 1. To do.

(4) Communication processing unit 204: The communication between the user's smartphone 1 and the automatic checkout machine 2 is relayed, and information is transmitted to each other. In addition, communication is performed between the wallet server 4 and the user's smartphone 1 or the automatic checkout machine 2.

(5) CO preparation processing unit 205: CO preparation information is created by a cash-out request from the user's smartphone 1 or a cash-out request from the automatic settlement machine 2, and is registered in the CO preparation information DB 240.

(6) CO processing unit 206: CO management information is created from the CO preparation information and recorded in the CO management information DB 250. Create fund transfer data for withdrawing (cash out amount + commission) from the user's account and depositing it into the centralized account of the entrusting institution (Bank X), and send it to the real-time direct debit GW7. In addition, it receives a response from the real-time swaying GW7 whether or not the withdrawal has been completed normally, instructs the automatic settlement machine to pay out cash corresponding to the cash out amount, and updates the CO management information 250.

(7) CO record issuance processing unit 207: When the withdrawal from the user's account is completed normally, create a "use copy" and request output to the automatic payment machine 2 or send it to the user's smartphone 1. ..

(8) Withdrawal payment distribution unit 208: The withdrawal money is distributed from the collecting account to each consignment store.

In order to realize the above-mentioned functions, the CO application 200 uses the database (DB) shown below.

(A) User DB 220: An example is shown in FIG. The user DB 220 includes a user ID 31 for uniquely identifying a user (user) in the system, user information 32 such as a user's name, a personal identification number 33 for authenticating the user, and a user's bank account information 34. including. The personal identification number 33 and the bank account information 34 may be encrypted and stored. The connection information 35 is information used for connection and communication between the CO application 200 and the user application, and is, for example, a telephone number. Further, the user's e-mail address may be included in the user DB 220.

When the user performs the contract procedure for fund transfer with the predetermined bank X, the name and bank account information are registered in the user DB 220, and the user ID is assigned to the user. The user DB 220 may be shared with a payment system realized by the same wallet server 4.

(B) Settlement machine DB230: An example is shown in FIG. The settlement machine DB 230 includes a settlement machine ID 41 for uniquely identifying the automatic settlement machine in the system, a settlement machine information 42 such as the name of the consignment store having the automatic settlement machine, the settlement machine store number, and the location, and for authenticating the settlement machine. It includes an authentication code 43 which is information, a bank account information 44 of a consignment store having a settlement machine, and a distribution date 45 which determines the timing of payment from the coordinating account to each consignment store. Considering the case where one consignment store has a plurality of automatic settlement machines 2, when the settlement machine ID 41 is, for example, 8 digits, the first 6 digits may be the consignment store ID and the last 2 digits may be the settlement machine number in the consignment store. By not setting the distribution date 45, the withdrawal amount may be distributed in response to the payment request from the consignment store. The authentication code 43 and the bank account information 44 may be encrypted and stored. The connection information 46 is information used for connection and communication between the CO application 200 and the settlement application, and is, for example, an IP address.

When the consignment store performs the contract procedure for fund transfer with the specified bank X and the consignment contract procedure for deposit receipt / payment work, the automatic settlement machine in the consignment store is assigned a settlement machine ID, and the settlement machine information and bank account information. At the same time, the settlement machine DB230 is registered. The settlement machine DB 230 may be shared with a payment system realized by the same wallet server 4.

(C) CO preparation information DB 240: An example is shown in FIG. The CO preparation information DB 240 has two types of records depending on how the cash-out process is started. (A) is a record used when the cash-out process is started from the automatic settlement machine 2, and (b) is a record used when the cash-out process is started from the user's smartphone 1. Both types of records include a CO preparation ID 51 to uniquely identify the cashout process in the system.

The flag 52 is a flag for identifying whether it is a (a) type record or a (b) type record. The record of type (a) includes the settlement machine ID 53 of the automatic settlement machine that sent the cash out request, the requested cash out amount (CO amount) 54, the QR code value 55, the expiration date 56, and the spare area 57. The QR code value 55 is a value obtained by encoding the CO preparation ID 51, and the expiration date 56 is the expiration date of the QR code value 55. The record of type (b) includes the ID (user ID) 53'of the user who sent the cashout request, the requested cashout amount (CO amount) 54, the QR code value / confirmation code 55', the expiration date 56, and the reserve. Includes region 57. The QR code value / confirmation code 55'includes a QR code value in which the CO preparation ID 51 is encoded and a confirmation code (described later). Each record of the CO preparation information DB 240 is periodically deleted when a certain period of time has passed after the expiration date 56 has passed.

(D) CO management information DB 250: An example is shown in FIG. The CO management information DB 250 has a CO management ID 61, a user ID 62, a settlement machine ID 63, a CO amount 64, a fee 65, a CO status 66, an account withdrawal date and time (start and end) 67, for uniquely identifying the cash out request in the system. Includes CO date and time (start and end) 68 and distribution status 69 indicating whether the withdrawal has been distributed to the consignment store's account.

(E) Fee DB 260: An example is shown in FIG. (A) is a fee table during normal operation, and includes an application start day 71, an application start time 72, and a fee 73. (B) is a special fee table for holidays and the year-end and New Year holidays, and includes a start date and time 74, an end date and time 75, and a fee 76. The setting of (b) takes precedence over the setting of (a).

3. 3. User's smartphone and automatic settlement machine of the consignment store As described above, the application program for cash-out processing (user application and settlement application) is installed in the user's smartphone 1 and the automatic settlement machine 2 of the consignment store, respectively. There is a need. The installed user application is managed by associating it with the user ID, and the settlement application is managed by associating it with the settlement machine ID.

The user application can use the wallet server when the user selects the application and inputs the user ID and password (and the authentication unit 201 of the CO application 200 authenticates the user application). The user ID and password may be stored in each application. The checkout application sends a unique authentication code when connecting to the wallet server, and the wallet server can be used (and by being authenticated by the authentication unit 201 of the CO application 200). The user application and the settlement application display options and input instructions on the screens of the smartphone 1 and the automatic settlement machine 2, respectively, and transmit the options selected by the user and the input data to the CO application 200 of the wallet server 4. The selected option and the input data become a request to the CO application 200 and are processed by the CO application 200. The CO app 200 creates a response to the request and sends it to the user app or the checkout app. The user application or the payment application displays the screen according to the response received from the CO application 200.

(1) Starting the procedure from the automatic checkout machine FIG. 8 shows an example in which the user operates the automatic checkout machine 2 to start the cash-out process. A touch button as shown in FIG. 10A is displayed on the initial screen of the automatic checkout machine 2. When the user selects "withdrawal", the following cash-out process is started. The following steps are mainly performed by the CO app 200 of the wallet server 4.

<Step 801> When the user inputs the cash-out amount from the keyboard, touch panel, and buttons of the automatic payment machine 2, the payment application sends the payment machine ID and the cash-out amount (CO amount) to the CO application 200. .. FIG. 10B shows an example of an amount selection screen displayed on the screen of the automatic payment machine 2. The CO application 200 generates a CO preparation ID and registers the settlement machine ID and the CO amount in the CO preparation information DB 240. In this case, it is the type (a), and the flag 52 is set to "0". A QR code value is generated from the CO preparation ID, the expiration date obtained by adding a certain time to the QR code value and the QR code generation time is recorded in the CO preparation information DB 240, and the QR code is sent to the settlement application to be automatically settled. It is displayed on the display screen of No. 2 (FIG. 10C). (Communication processing unit 204 and CO preparation processing unit 205)

<Step 802> When the user activates the user application of the smartphone 1 (FIG. 11A) and reads the QR code displayed on the display screen of the automatic payment machine 2, the user application includes the user ID and the QR code. Information (CO preparation ID) is transmitted. The CO application 200 identifies a record having the CO preparation ID from the CO preparation information DB 230, and whether or not the flag 52 is "0" and whether or not the current time is within the expiration date 56 of the QR code. Check if. If the flag 52 is "0" and it is within the expiration date, the fee is determined from the fee DB 260, the current date and time, and the day of the week. A CO management ID is generated and newly registered in the CO management information DB 250 together with a user ID, a settlement machine ID, a CO amount, and a fee. At this time, the CO state 66 is set to "confirming". The cash-out amount and information on the automatic payment machine 2 (location, payment machine ID, etc.) are displayed on the display screen of the smartphone 1 via the user application, and the user is prompted to enter the password (FIG. 11B). (Communication processing unit 204 and CO processing unit 206)

<Step 803> When the user inputs the password from the smartphone 1, the input password is transmitted from the user application to the CO application. When the CO application 200 collates the password 33 of the user DB 220 with the input password and confirms that they match, the CO speech data is created (described later), transmitted to the real-time speech GW7, and CO. The current time is recorded in the account withdrawal date (start) 67 of the management information DB 250. (Authentication unit 201, communication processing unit 204 and CO processing unit 206)

<Step 804> When the result of the withdrawal completion is received from the real-time speech GW7, the CO application 200 records the current time at the account withdrawal date (end) 67 of the CO management information DB250, and the CO state 66 of the CO management information DB250. Is changed to "Running", the current time is recorded in the CO date and time (start) 68 of the CO management information DB 250, and an instruction for instructing the payment of cash equivalent to the CO amount is sent to the settlement application. The settlement application pays out cash equivalent to the CO amount and outputs a copy of the usage according to the instruction to pay out. (Communication processing unit 204, CO processing unit 206 and CO record issuing processing unit 207)

<Step 805> Upon receiving the cash-out completion report from the settlement application, the CO application 200 records the current time at the CO date and time (end) 68 of the CO management information DB 250, and changes the CO state 66 to "completed". , Display the user application that the cash-out procedure has been completed. (Communication processing unit 204 and CO processing unit 206)

(2) Starting the procedure from the smartphone FIG. 9 shows an example in which the user operates the smartphone 1 to start the cash-out process. The following steps are mainly performed by the CO app 200 of the wallet server 4. FIG. 11A shows an example of the display screen of the smartphone when the user activates the user application of the smartphone 1.

<Step 901> When the user selects the payment machine search function of the user application on the smartphone 1 (FIG. 11A), the GPS information of the smartphone is transmitted from the user application to the CO application 200. The CO application extracts the automatic payment machine 2 within a certain distance from the payment machine DB 230 from the transmitted GPS information, and displays the extracted automatic payment machine information in the form of a map or a list on the screen of the smartphone. .. (Payment machine search unit 203)
This step may be omitted and started from step 902.

<Step 902> When the user selects or inputs the cash-out amount, the user ID and CO amount are transmitted from the user application to the CO application 200. The CO application 200 generates a CO preparation ID and registers it in the CO preparation information DB 240 together with the user ID and the CO amount. In this case, it is the type (b), and the flag 52 is set to "1". A QR code value is generated from the CO preparation ID, and a confirmation code in which the QR code value is encoded is generated. The QR code value, confirmation code, and expiration date obtained by adding a certain time to the QR code generation time are recorded in the CO preparation information DB 240, and the QR code and confirmation code are sent to the user application along with the expiration date on the display screen of the smartphone 1. Display it. The confirmation code is an 8-10 digit number and can be input from a keyboard or touch panel as an alternative to the QR code when the automatic checkout machine 2 does not have a QR code reader. (Communication processing unit 204 and CO preparation processing unit 205)

<Step 903> When the user causes the automatic payment machine 2 to read the QR code displayed on the smartphone 1 or inputs the confirmation code into the automatic payment machine 2, the QR code or confirmation code is displayed together with the payment machine ID from the payment application. The CO preparation ID included in is transmitted to the CO application 200. The CO application 200 identifies the record having the CO preparation ID from the CO preparation information DB 230, and whether or not the flag 52 is "1" and whether or not the current time is within the expiration date 56 of the QR code. Check if. If the flag 52 is "1" and it is within the expiration date, the fee is determined from the fee DB 260, the current date and time, and the day of the week. A CO confirmation ID is generated and newly registered in the CO management information DB 250 together with a user ID, a settlement machine ID, a CO amount, and a fee. At this time, the CO state 66 is set to "confirming". The CO app 200 displays a guide message such as "Enter your PIN from the smartphone screen" on the screen of the automatic checkout machine 2, and cashes out to the display screen of the smartphone 1 via the user app. The amount and information of the automatic payment machine 2 (location, payment machine ID, etc.) are displayed (Fig. 11B), and the user is prompted to enter the password. (Communication processing unit 204 and CO processing unit 206)

After that, it is the same as step 803-805 of FIG.

FIG. 12 is an example of fund transfer data transmitted to the real-time fund transfer GW7 when requesting withdrawal from the user's account in step 803 of FIGS. 8 and 9. The account transfer data includes a data type (withdrawal) 121, a user (user) account information 122, a withdrawal amount 123, and a withdrawal date and time 124. The account information 122 includes a bank code, a branch number, an account item, and an account number. Further, depending on the embodiment, the processing serial number and the settlement machine ID may be included as the option information 125. The processing serial number may be a CO management ID. When the real-time fund transfer GW7 receives this fund transfer data, it deducts (CO amount + commission) from the user's account and deposits it into the centralized account of the entrusting bank.

Funds that are deducted from many user accounts and should be paid to many entrusted stores are temporarily stored in the centralized account of the entrusted bank without distinction, but those withdrawals are collected by each entrusted store. The cash-out process is completed by distributing to.

FIG. 13 is a flowchart illustrating the withdrawal money distribution process performed by the withdrawal money distribution unit 208 of the wallet server 4.

<Step 1301> The distribution date 45 of the settlement machine DB 230 is checked, and the settlement machine ID whose distribution date is today is extracted. In step 1301, the processes of steps 1302 to 1305 are repeated for each extracted checkout machine ID.

<Step 1302> From the CO management information DB 250, a record in which the checkout machine ID 63 is the store ID extracted in step 13001, the CO state 66 is "CO completed", and the distribution state 69 is "not yet" is extracted. ..

<Step 1303> The CO amount 64 of the records extracted in step 1302 is added up. The CO consignment fee may be calculated from the number of extracted records and the contract conditions between the bank and the consignment store, and the total CO amount and the consignment fee may be added together to form a distribution.

<Step 1304> To specify the bank account information of the consignment store having the reimbursement machine from the record of the corresponding reimbursement machine ID of the reimbursement machine DB230, and to deposit the distribution from the coordinating account of the consignment bank to the account of the relevant consignment store. Create speech data.

FIG. 14 is an example of fund transfer data transmitted to the real-time fund transfer GW7 for depositing distributions from the collecting account to the bank account of the store. The fund transfer data includes a data type (distribution) 1401, an account information 1402 of a consignment store, a distribution amount 1403, and a distribution date and time 1404. The account information 1402 includes a bank code, a branch number, an account item, and an account number. Further, depending on the embodiment, the processing serial number, the settlement machine ID, and the identifier indicating that the cash-out distribution may be input as the option information 1405. Upon receiving this fund transfer data, the real-time fund transfer GW7 deposits the distribution from the collecting account to the consignment store account.

<Step 1305> Upon receiving the notification of the end of distribution from the real-time speech GW7, the distribution state 69 of each record of the CO management information DB 250 extracted in step 1302 is "completed" indicating that the distribution has been completed, or the distribution process. Enter the serial number of. This procedure completely completes the cash-out process.

The withdrawal payment distribution unit 208 may delete the corresponding record from the CO management information DB 250 or move it to another table after a certain period of time has elapsed from the end of distribution.

The following modification is also possible.
(1) Another computer may be connected to the wallet server 4 so that the CO management information DB 250 can be accessed from the other computer, and the above-mentioned withdrawal payment distribution process may be performed on the other computer. The distribution of the deposit collected by the payment system sharing the wallet server 4 and the distribution of the withdrawal collected by the cash-out system may be added up on this computer and distributed to each store.

(2) When the wallet server 4 uses the account balance confirmation unit 202 of the CO application 200 to open the user application on the user's smartphone 1, the balance of the user's account is displayed on the screen of the user's smartphone 1. It may be displayed on.
(3) The withdrawal money distribution unit 208 may distribute the withdrawal money according to the payment request from each settlement machine or the consignment store, instead of the predetermined distribution date. In this case, each store sends a payment request including the settlement machine ID to the wallet server 4. By performing the withdrawal payment distribution unit 208 in the wallet server 4 with respect to the settlement machine ID in the reception request from steps 1302 to 1305 in FIG. 13, the withdrawal money distribution according to the payment request can be realized.
(4) The withdrawal payment distribution unit 208 may add up and process the distributions related to the records of a plurality of payment machine IDs belonging to the same consignment store.

In order to avoid the situation where the user goes to the automatic checkout machine 2 but the automatic checkout machine 2 does not have cash, the cash-out system may be provided with a "CO reservation" function. The outline of the process is shown.

(1) When the user selects the "CO reservation" function on the smartphone 1, the user application inputs to the user the payment machine, the CO amount, and the scheduled CO date and time to be cashed out to the user, or Let me choose. The entered information is sent to the CO application 200 together with the user ID.

(2) The CO application generates a CO preparation ID and registers the user ID and the CO amount in the CO preparation information DB 240. In this case, it is the type (b), and the flag 52 is set to 1. Further, in the spare area 57 of the CO preparation information DB 240, an identifier indicating that the information is "CO reservation" and a settlement machine ID (CO scheduled settlement machine ID) of the settlement machine scheduled to be cashed out are registered. The CO application generates a QR code value from the CO preparation ID, further generates a confirmation code in which the QR code value is encoded, and adds a certain time to the scheduled CO date and time entered by the user to set the expiration date of the CO preparation information DB240. Record in.

(3) The CO app sends the CO preparation ID, CO amount, and CO scheduled date and time to the settlement application of the CO scheduled settlement machine ID, and inquires whether it is possible to secure cash for the CO amount. If the CO amount of cash can be secured, the settlement app sends "OK" to the CO app 200, and the settlement application secures the CO amount of cash, along with the CO preparation ID, CO amount, and CO scheduled date and time. Manage as "reserved" processing. A QR code, a confirmation code, and an expiration date are sent from the CP application 200 to the user application together with "reservation completed" and displayed on the smartphone.
If the CO amount of cash cannot be secured, the settlement application sends "NG" to the CO application 200, and the user application is notified that "reservation is not possible".

(4) The subsequent procedure is almost the same as that after step 903 in FIG. In step 903, when the checkout application inputs the QR code or confirmation code provided by the user, it identifies that the cashout is reserved from the CO preparation ID included in the QR code or confirmation code. Also, in the CO app, confirm that the CO scheduled settlement machine ID and the settlement machine ID for which the cash-out procedure is being performed are the same. After that, the cash-out process proceeds.

This cash-out system may be used for sending and receiving small amounts of money. That is, the person who starts the cash-out procedure and the person who actually receives the cash may be different. It is also possible to provide such a "remittance" function in the cash-out system. The outline of the process is shown.

(1) When the user (XX) selects the "remittance" function on the smartphone 1, the user application causes the user to input or select the remittance destination person (YY) and the remittance amount. The user application acquires the telephone number or e-mail address of the selected destination person, and the input information is sent to the CO application 200 together with the user ID and the CO amount.

(2) The CO application generates a CO preparation ID and registers the user ID and the CO amount in the CO preparation information DB 240. In this case, it is the type (b), and the flag 52 is set to 1. Further, in the spare area 57 of the CO preparation information DB 240, an identifier indicating that the information is "remittance", a telephone number of the destination person, or an e-mail address is registered.

(3) Here, the user application is made to display the screen of FIG. 11B and input the personal identification number. The fee charged to the user may be fixed, or may be presented as undecided because it varies depending on the date and time when the destination person makes a cash out. When the user inputs the password from the smartphone 1 and the CO application 200 collates the password 33 of the user DB 220 with the input password and confirms that they match, the reserve area 57 of the CO preparation information DB 240 is displayed. "PIN verified" is recorded.

(4) Further, the CO application 200 generates a QR code value from the CO preparation ID, further generates a confirmation code in which the QR code value is encoded, and adds a certain time (for example, 36 hours) to the QR code generation time. The expiration date is recorded in the CO preparation information DB 240.

(5) The CO application 200 connects to the telephone number or e-mail address of the destination person recorded in the spare area 57 of the CO preparation information DB 240, and connects to the smartphone "It is a remittance from XX. MM month DD day HH time. Please send the QR code and confirmation code with a message such as "Please receive by."

(6) The subsequent procedure is almost the same as that after step 903 in FIG. In step 903, when the checkout application inputs the QR code or confirmation code presented by the destination person, the information is transmitted to the CO application 200. The CO application 200 identifies that it is a "remittance" from the CO preparation ID included in the QR code or the confirmation code and the spare area 57 of the CO preparation information DB 240. When the CO application 200 confirms that the "PIN verification has been completed" from the spare area 57 of the CO preparation information DB 240, the step of prompting the user to input the PIN is omitted. After that, the cash-out process after step 803 in FIG. 9 proceeds.

(7) When the cash withdrawal is completed, a message such as "YY has received the remittance" is displayed from the CO application to the smartphone 1 of the remittance source person.

In the example of FIG. 1, only the computer system 8 of the X bank is connected to the real-time swaying GW7 as the outsourced bank, but the computer systems of other outsourced banks (Y bank and Z bank) may also be connected. .. In this case, each bank needs to individually conclude an account transfer contract with the user or the outsourced store. Real-time direct debit services are currently only available between accounts at the same bank. Therefore, it is a condition for cashing out with this system that the user and the consignment store have an account transfer contract with the same bank.

In order to accommodate a plurality of consignment banks in this system, the user DB 220, the settlement machine DB 230, the CO preparation information DB 240, the CO management information DB 250, and the fee DB 260 should be prepared for each bank in the wallet server 4 of FIG. Just do it. For the user ID, settlement machine ID, CO preparation ID, and CO management ID, a unique number may be given to each bank. The user application and settlement application are changed according to each bank, and when the CO application is connected to the user application and settlement application, which bank's coordinating account is used for cash-out processing, and which DB is used. Make it possible to recognize whether to perform processing.

Alternatively, the user application may display each bank for which an account transfer contract has been made on the screen in the form of a selection button, and allow the user to select from which bank account to make a withdrawal. The CO app is notified of the bank selected from the user app.

When the wallet server 4 displays the checkout machine list on the user's smartphone 1, only the checkout machines that can withdraw deposits from the bank with which the user has an account transfer contract may be displayed.

In the fourth embodiment, an example in which the system is connected to the computer systems of a plurality of entrusted banks has been introduced. Next, an example of multi-bank cash out in which a plurality of entrusting banks are interrelated will be introduced. The real-time direct debit GW7 shown in FIG. 1 is connected to the computer systems of a plurality of banks and can handle direct debit (withdrawal and distribution) between each bank's account (deposit account) and coordinating account. To do.

See FIG. The consignment store having the user a and the A settlement machine each has an account at the X bank, the user a uses the user application (X) provided by the X bank, and the A settlement machine is the settlement application (X) provided by the X bank. Is used to cash out via the CO app (X) provided by Bank X.

Similarly, the consignment store having the user b and the B settlement machine each has an account at Y bank, the user b uses the user application (Y) provided by Y bank, and the B settlement machine is the settlement application provided by Y bank. Using (Y), cash out is performed via the CO application (Y) provided by Y Bank.

Further proceeding, in this embodiment, as shown by the dotted line in FIG. 15, the user a uses the user application (X) and the CO application (X) to cache from the B settlement machine using the settlement application (Y). Be able to do out. Similarly, the user b can use the user application (Y) and the CO application (Y) to perform cash out from the A settlement machine that uses the settlement application (X).

Similarly, the user c or C checkout machine having an account at Bank Z is accommodated in the system so that the cashout service can be provided to each other with the user a or A checkout machine or / and the user b or B checkout machine.

An overview of multi-bank cash out will be given.
Consider a case where the user a uses the user application (X) and the CO application (X) to cash out from the B settlement machine that uses the settlement application (Y). The CO amount (CO amount + fee) is transferred from the user's X bank account to the X bank coordinating account, and the CO amount to user a is transferred from the Y bank coordinating account to the Y bank account of the consignment store that has the B settlement machine. Withdrawals including will be distributed.

On the contrary, consider a case where the user b uses the user application (Y) and the CO application (Y) to cash out from the A settlement machine that uses the settlement application (X). (CO amount + fee) is transferred from the user's Y bank account to the Y bank's coordinating account, and the withdrawal money including the CO amount to the user b is distributed from the X bank's coordinating account to the X bank account of the A store. Will be done.

In other words, no matter which bank the user is entrusted with cashing out at the checkout machine of the consignment store, the debit will be made from the user's bank account to the coordinating account of the same bank, and to the user who has an account at which bank. Regardless of whether you have cashed out, the distribution will be paid to the bank account of the consignment store from the coordinating account of the same bank.

Later, the secretary settlement bank summarizes the cash-out events related to different banks that took place within the specified period, and makes a settlement between the secretary settlement bank and each bank. Distribution of withdrawals to consignment stores and interbank settlement are done separately and asynchronously.

A system configuration for performing such multi-bank cash out will be described. For the sake of simplicity, an example will be described in which the system accommodates banks X, Y, and Z as entrustment banks. The overall configuration diagram is the same as in FIG. 1, but the configuration of the wallet server 4'is as shown in FIG. As compared with FIG. 2 of the first embodiment, a new reference number is given only to different components and the description will be given. The component with a dash (') in the reference number is slightly different from the corresponding component in Example 1 (FIG. 2).

As mentioned above, the CO app is prepared for each entrusting bank. Therefore, the wallet server 4'exists with the CO application (X) 200'-X, the CO application (Y) 200'-Y, and the CO application (Z) 200'-Z.

The user DB 220'is shared by a plurality of CO apps 200'-X, 200'-Y, 200'-Z. The details of the user DB 220'are shown in FIG. Each user is registered in the user DB 220'by performing an account transfer contract procedure with the correspondent bank. Compared with the user DB 220 shown in FIG. 3, the bank code 1701 of the bank (for example, bank X) of the user's account and the access restriction 1702 are added to the record for storing the information of each user. The access restriction 1702 is information for setting an access restriction for each record. For example, it cannot be accessed from non-bank personnel and application software with bank code 1701 (value "2"), and can only be read from non-bank application software with bank code 1701 (value "1").

The settlement machine DB 230'is also shared by a plurality of CO apps 200'-X, 200'-Y, and 200'-Z. The details of the settlement machine DB 230'are shown in FIG. The consignment store having each settlement machine is registered in the settlement machine DB230'by performing the contract procedure of account transfer and deposit receipt / payment business consignment with the correspondent bank. Compared with the settlement machine DB230 shown in FIG. 4, the record storing the information of each settlement machine has the bank code 1801 of the bank (for example, Y bank) of the account of the consignment store having the settlement machine, the access restriction 1802, and the consignment fee. Code 1803 is added. The access restriction 1802 is information for setting a restriction on the access of the record of the store. For example, it cannot be accessed from non-bank personnel and application software with bank code 1801 (value "2"), and can only be read from non-bank application software with bank code 1801 (value "1"). The consignment fee code 1803 is information on the consignment fee to be paid to the consignment store. For example, "100 yen per cash out" is the consignment fee code "1".

In the CO application (X) 200'-X, a part different from the CO application 200 of the first embodiment and each processing unit will be described.

The settlement machine search unit 203'in FIG. 16 searches the settlement machine from the settlement machine DB 230'according to the conditions. First, the bank code 1801 of each record of the settlement machine DB 230'(FIG. 18) is checked. For records of stores whose bank code is Bank X, the checkout machine is searched, and for records of checkout machines whose bank code is not Bank X, access restriction 1802 is checked and read by the CO app (X). Only the checkout machines of permitted records are searched.

The communication processing unit 204'of the CO application (X) 200'-X communicates with the settlement application (X) supplied by the X bank, but in addition, the settlement application (Y) and the settlement application (Y) supplied by another bank. It can also communicate with the application (Z) and send and receive necessary information. The communication processing unit 204'can identify whether it is communicating with the settlement application (X) or other settlement applications by the settlement application name or identifier.

Similarly, the settlement application (X) also communicates with the communication processing unit 204'of the CO application (X) 200'-X, but in addition, the communication of the CO application (Y) 200'-Y supplied by another bank. It can also communicate with the processing unit 204'and the communication processing unit 204' of the CO application (Z) 200'-Z to send and receive necessary information. Whether the settlement application (X) is communicating with the CO application (X) or other CO applications can be identified by the CO application name or identifier.

Therefore, in the settlement application (X), when exchanging information with the user via the CO application, it is determined whether or not the user is using the user application (X), and depending on the embodiment, the user is charged. Since the fees charged are different, a warning to that effect may be displayed on the screen of the smartphone 1 or the checkout machine 2.

The communication processing unit 204', the CO preparation processing unit 205', and the CO processing unit 206' in FIG. 16 create records of the CO preparation information DB 240'and the CO management information ID 250' in the process of cashing out. At the time of creating the CO preparation information, the bank code of the bank (Y) of the consignment store having the payment machine is shown in the payment machine ID 53 of the CO preparation information DB 240 shown in FIG. 5 (a), or shown in FIG. 5 (b). The bank code of the user's bank (X) is added to the user ID 53'(not shown).

Further, as shown in FIG. 19, the CO management information DB 250'has a bank code 1901 of the user's bank (X) and a bank of the consignment store (payment machine) as compared with the CO management information DB 250 shown in FIG. Y) bank code 1902 and interbank flag 1903 are added. The bank code 1901 matches the bank code of the provider of the CO app. The interbank flag 1903 is set to "0" when the user and the checkout machine use the same bank, and "1" when the user and the checkout machine use different banks. Each record of the CO management information DB 250'is stored for a certain period of time even after the cash-out process is completed until the interbank settlement process is completed.

The CO processing unit 206'in FIG. 16 creates fund transfer data (FIG. 12) from the user's X bank account to the X bank's centralized account and transmits it to the real-time GW7. Since the user account information 122 of the fund transfer data includes the bank code, it can be handled with the same data structure as in the first embodiment.

On the other hand, the withdrawal money is distributed by the withdrawal money distribution unit 208'of the CO application provided by the bank used by the store. For example, the distribution of the withdrawal money to the consignment store having the B settlement machine is performed by the withdrawal money distribution unit 208'of the CO app (Y) 200'-Y. FIG. 13 shows the withdrawal payment distribution process of the first embodiment, but the same process is performed in the present embodiment. A part different from the first embodiment will be described. In step 1301, the settlement machine ID having the bank code 1801 of Bank Y and having the withdrawal distribution date today is extracted from the settlement machine DB 230'(FIG. 18). The distribution is calculated for those settlement machine IDs.

In step 1302, a record in which the bank code 1902 is the bank code of Y bank and the settlement machine ID 53 is the settlement machine ID extracted in step 1301 is extracted from the CO management information DB 250'(FIG. 19).

In step 1303, the withdrawal amount of the record extracted in step 1302 is calculated. Regarding the entrustment fee, calculate "100 yen per cash out" from the interbank flag 1903 of the CO management DB250'and the entrustment fee code 1803 of the settlement machine DB230', and add the entrustment fee to the CO amount to make the distribution. decide. The consignment fee may be paid to the consignment store from the bank using the consignment store at another timing or by adding up the consignment fees for a certain period.

In step 1304, an account transfer is performed from the bank account of Y bank to the bank account of the consignment store having the B settlement machine. That is, the account transfer data (FIG. 14) is created and transmitted to the real-time GW7. Since the account transfer data (FIG. 14) includes the bank code in the store account information 1402, it can be handled with the same data structure as in the first embodiment.

The interbank settlement will be explained.
The wallet server 4'has an interbank settlement processing unit 1601. The interbank settlement processing unit 1601 is also realized by the processor executing a software program, like other processing units. The interbank settlement processing unit 1601 is activated, for example, once a day at a fixed time.

FIG. 20 is a flowchart showing the processing of the interbank settlement processing unit 1601. Here, it is assumed that the bank X whose bank code is 0001 is the secretary settlement bank. The interbank settlement processing unit 1601 determines whether each bank has "overreceived" or "overpaid" the funds related to cash out, and the amount of excess or deficiency to the computer system of Bank X, which is the secretary settlement bank. Notify with.

<Step 2001> With reference to the CO date and time 68 and the interbank flag 1903 of each record of the CO management information DB 250'(FIG. 19), the settlement record between different banks performed on the previous day is extracted.

<Step 2002> The following processing is repeated for each bank code i. The same processing is performed for the bank code 0001 of Bank X, which is the secretary settlement bank.

<Step 2003> Of the records extracted in step 2001, the CO amount 64 of the records in which the bank code 1901 of the user's bank is i is added up to obtain TOTAL1 (i).

<Step 2004> Of the records extracted in step 2001, the CO amount 64 of the records in which the bank code 1902 of the bank of the consignment store having the checkout machine is i is added up to obtain TOTAL2 (i).

<Step 2005> TOTAL1 (i) -TOTAL2 (i) = SUB (i) is calculated and sent to the computer system of Bank X, which is the secretary settlement bank, together with the details created from the records processed in steps 2003 and 2004. .. The statement may be sent at another time. In addition, the SUB (i) and details regarding all banks may be collectively sent to the computer system of Bank X.

The computer system of Bank X, which is the secretary settlement bank, performs interbank settlement with the bank whose bank code is i according to the received SUB (i) by the interbank replacement process by the Zengin Net miscellaneous exchange. .. Specifically, when the notified SUB (i) is positive, the computer system of the bank X charges the computer system of the bank whose bank code is i for the SUB (i) and is notified. When SUB (i) is negative, the absolute value of SUB (i) is transferred (transferred) to the computer system of the bank whose bank code is i. At this time, the interbank settlement processing unit 1601 calculates the fee for interbank settlement and the consignment fee paid to the consignment store, and the bank code is i in combination with (or offset) SUB (i). Calculations for interbank settlement with a bank may be performed.

The fees related to interbank settlement will be explained. The consignment fee paid to the consignment store is agreed in advance by a contract (for example, 1 cash out of 100 yen) and is recorded in the consignment fee code 1803 of the settlement machine DB 230'. If the user's bank and the bank of the consignment store that has the payment machine are the same, the fee collected from the user will be shared according to the contract between the consignment store and the bank. If the bank used by the user and the bank used by the consignment store are different, the fee collected from the user is divided by the consignment store and the two related banks.

For example, in FIG. 15, when the user a makes a cash out in the settlement machine B, the commission fee of 324 yen collected from the user a is paid to the consignment store (for example, 108 yen), and the rest is X. It will be divided into banks and Y banks, and the ratio will be determined by the contract. For example, Bank X is 108 yen and Bank Y is 108 yen. Therefore, Bank X must pay the commission fee and the fee for Bank Y out of the fees collected from the user to Bank Y. The bank's receipt of fees related to each cash out may be the sum of (commission-consignment fee) and each bank's share (%). In another example, the fee paid by Bank Y to Bank X may be fixed.

An example of the interbank settlement processing unit 1601 to which the fee calculation processing is added is shown.
In step 2003, the interbank settlement processing unit 1601 further calculates (fee) C1 (i) to be received by the bank of bank code i for the record in which the bank code 1901 of the user's bank is i, by the method described above. .. Similarly, in step 2004, for the record in which the bank code of the consignment store having the checkout machine is i, the bank with the bank code i (fee + consignment fee) C2 (i) is calculated by the above method. ..

In step 2005, instead of the above-mentioned SUB (i), SUB (i) -C1 (i) + C2 (i) may be notified to the computer system of the secretary settlement bank.

The following modification is also possible.
(1) The wallet server 4'may be configured by a plurality of computers and a plurality of processors, and the plurality of CO applications 200' may be distributed and processed by different computers and processors.

(2) The databases DB 220', 230', 240', 250'in the wallet server 4'may be set to be separately provided for each bank.

(3) Another computer may be connected to the wallet server 4'so that the CO management information DB 250'can be accessed from the other computer, and the above-mentioned interbank settlement process may be performed on the other computer.

(4) The consignment fee paid to each consignment store and the fee charged to each bank in the settlement between different banks may differ for each consignment store and each bank.

(5) The multi-bank cash-out system may share hardware, software, and a network with a multi-bank payment system that has a similar configuration and performs payment.

Settlement (settlement) processing and cash out performed via the automatic settlement machine 2 may be performed at the same time. In this case, when the user instructs cash out at the time of payment by the automatic payment machine 2, the settlement process is performed and the cash is discharged. Only the part different from the first embodiment will be described.

FIG. 21 shows an example of a configuration diagram of the CO preparation information DB 240 for this embodiment. It is almost the same as FIG. 5, but the product sales payment amount 2101 which is the settlement amount is added to each record to the record of type (a).

FIG. 22 shows an example of a configuration diagram of the CO management information DB 250 for this embodiment. It is almost the same as FIG. 6, but the product sales payment amount 2201 which is the settlement amount is added to each record.

FIG. 23 shows an example of settlement & cash-out processing starting from the settlement machine 2 for this embodiment. It is almost the same as FIG. 8, but the different parts are underlined. When the cash-out amount (CO amount) is specified together with the product sales payment (settlement) amount in the settlement machine 2, they are registered as CO preparation information ((a) in FIG. 21) (step 801'). In addition, the CO management information (FIG. 22) created based on the CO preparation information also includes the product sales payment amount.

After that, the CO application 200 displays the product sales payment amount on the screen of the smartphone 1 together with the CO amount via the user application (step 802). At this time, the CO application 200 displays the fee borne by the user for the CO amount, but does not display the fee for the product sales payment amount. Similarly, for the amount of data for GW, a commission is added to the CO amount, but no commission is added to the product sales payment amount.

In step 804, the CO app 200 displays that the settlement of the product sales payment amount has been completed.

FIG. 24 shows an example of payment & cash-out processing starting from the user's smartphone 1 according to the sixth embodiment. It is almost the same as FIG. 9, but the different parts are underlined. After designating the cash-out amount (CO amount) on the smartphone 1, the QR code is read into the automatic checkout machine 2 (step 903'a). After that, the user inputs the product sales payment amount on the automatic payment machine 2, or the CO application 200 identifies the product sales payment amount from the user ID identified by using the QR code, and the user automatically calculates the product sales payment amount. If consent is given on the checkout machine 2, they are recorded in the CO management information (FIG. 22) by the CO app 200. In addition, the product sales payment amount is displayed on the screen of the smartphone 1 together with the CO amount via the user application (step 903'b).

At this time, the CO application 200 displays the fee borne by the user for the CO amount, but does not display the fee for the product sales payment amount. Similarly, for the amount of data for GW, a commission is added to the CO amount, but no commission is added to the product sales payment amount.

In step 804, the CO app 200 displays that the settlement of the product sales payment amount has been completed.

In this way, in the automatic settlement machine 2, cash out can be performed together with the settlement for the product sales payment.

Both the user and the consignment store can realize this cash-out system by using the existing hardware and network.

Although the above description has been made for Examples, it will be apparent to those skilled in the art that the present invention is not limited thereto and various modifications and modifications can be made within the scope of the spirit of the present invention and the appended claims.

1 ... User's smartphone 2 ... Automatic payment machine 3 ... Internet 4 ... Wallet server 5 ... Dedicated line 6 ... Dedicated network 7 ... Real-time speech GW
8 ... Bank computer system 200 ... CO application 201 ... Authentication unit 202 ... Account balance confirmation unit 203 ... Payment machine search unit 204 ... Communication processing unit 205 ... CO preparation processing unit 206 ・ ・ ・ CO processing unit 207 ・ ・ ・ CO record issuance processing unit 208 ・ ・ ・ withdrawal money distribution unit 220 ・ ・ ・ user DB
230 ・ ・ ・ Settlement machine store DB
240 ... CO preparation information DB
250 ... CO management information DB
260 ... Fee DB
1601 ・ ・ ・ Interbank settlement processing department

Claims (10)

It is a cash-out system for users to withdraw deposits from their bank accounts through the checkout machine of the consignment store entrusted by the bank.
A real-time fund transfer system that provides a real-time fund transfer service between a bank account and a bank account,
Including a wallet server connected to a user terminal and a checkout machine of a consignment store, and connected to the real-time fund transfer system.
The wallet server
A user database in which user identifiers and user bank account information are registered in advance for each user,
A settlement machine database in which the settlement machine identifier and the bank account information of the consignment store having the settlement machine are registered in advance for each settlement machine,
Cashout management information database for managing cashouts,
Including
The wallet server
Identify the user who uses the user terminal and
Identify the checkout machine,
The cash-out amount is determined according to the instructions from the user.
The bank account information of the user is acquired from the user database, and the information is obtained.
Create account transfer data for deducting the determined cash-out amount plus a fee from the identified user's bank account and depositing it into the centralized bank account, and send it to the real-time account transfer system.
Upon receiving the notification of the completion of withdrawal from the real-time fund transfer system, the identified settlement machine is instructed to withdraw cash corresponding to the determined cash-out amount.
The user identifier of the identified user, the settlement machine identifier of the identified settlement machine, the determined cash out amount, the fee, and the withdrawal date and time are recorded in the cash out management information database.
At a predetermined timing, a record containing the same checkout machine identifier is extracted from the cashout management information database, the cashout amount recorded in the extracted record is added up, and the checkout machine identifier is used from the checkout machine database. Acquires the bank account information of the consignment store, creates account transfer data for depositing the total cash out amount from the summary bank account to the bank account of the consignment store, and transmits it to the real-time account transfer system. A cash-out system that features. The cash-out system according to claim 1.
The wallet server, the user terminal, and the payment machine are connected via the Internet.
A cash-out system in which the wallet server and the real-time fund transfer system are connected by a dedicated line. The cash-out system according to claim 1.
The checkout machine transmits the checkout machine identifier and the cashout amount to the wallet server when the cashout amount is input or selected by the user.
The wallet server identifies the checkout machine from the received checkout machine identifier and the cashout amount, determines the cashout amount, and creates a code linked to the checkout machine identifier and the cashout amount. , Displayed on the display screen of the checkout machine,
By reading the code displayed on the display screen of the payment machine, the user terminal transmits the user identifier and the information contained in the read code to the wallet server.
The wallet server identifies the user from the received information contained in the user identifier and the read code, and associates the user identifier with the cashout amount.
Cash out system. The cash-out system according to claim 1.
When the cash-out amount is input or selected by the user, the user terminal transmits the user identifier and the cash-out amount to the wallet server.
The wallet server identifies the user from the received user identifier and the cash-out amount, determines the cash-out amount, and creates a code linked to the user identifier and the cash-out amount. , Displayed on the display screen of the user terminal,
By reading the code displayed on the display screen of the user terminal, the payment machine transmits the payment machine identifier and the information contained in the read code to the wallet server.
The wallet server identifies the checkout machine from the received information included in the checkout machine identifier and the read code, and associates it with the user identifier and the cashout amount.
Cash out system. The cash-out system according to claim 3 or 4.
The code is a QR code, a cash-out system. The cash-out system according to claim 1.
After identifying the user and determining the cash-out amount, the wallet server prompts the user terminal to enter a personal identification number, and the received personal identification number and the user registered in advance in the user database. Compare the code numbers of the above and confirm the cashout amount with the user.
Cash out system. The cash-out system according to claim 1.
When creating the account transfer data for depositing the total cash-out amount from the summary bank account to the bank account of the consignment store, the consignment fee to be paid to the consignment store is added to the cash-out amount.
The cash-out system. It is a wallet server in the cash-out system for users to withdraw deposits from their bank accounts through the checkout machine of the consignment store entrusted by the bank.
Connected to a real-time fund transfer system that provides a real-time fund transfer service between a bank account and a bank account, and a user terminal and a checkout machine at a consignment store.
A user database in which user identifiers and user bank account information are registered in advance for each user,
A settlement machine database in which the settlement machine identifier and the bank account information of the consignment store having the settlement machine are registered in advance for each settlement machine,
Cashout management information database for managing cashouts,
Including
Identify the user who uses the user terminal and
Identify the checkout machine,
The cash-out amount is determined according to the instructions from the user.
The bank account information of the user is acquired from the user database, and the information is obtained.
Create account transfer data for deducting the determined cash-out amount plus a fee from the identified user's bank account and depositing it into the centralized bank account, and send it to the real-time account transfer system.
Upon receiving the notification of the completion of withdrawal from the real-time fund transfer system, the identified settlement machine is instructed to withdraw cash corresponding to the determined cash-out amount.
The user identifier of the identified user, the settlement machine identifier of the identified settlement machine, the determined cash out amount, the fee, and the withdrawal date and time are recorded in the cash out management information database.
At a predetermined timing, a record containing the same checkout machine identifier is extracted from the cashout management information database, the cashout amount recorded in the extracted record is added up, and the checkout machine identifier is used from the checkout machine database. Acquires the bank account information of the consignment store, creates account transfer data for depositing the total cash out amount from the summary bank account to the bank account of the consignment store, and transmits it to the real-time account transfer system. To do,
A wallet server that features that. It is a cash-out system in which a user withdraws a deposit from a bank account through a checkout machine of a consignment store entrusted by a bank.
A real-time fund transfer system that is connected to the computer systems of multiple banks and provides a real-time fund transfer service between the same bank account and the coordinating account.
Including a wallet server connected to a user terminal and a consignment store terminal, and connected to the real-time fund transfer system.
A user database in which user identifiers and user bank account information are registered in advance for each user,
A settlement machine database in which the settlement machine identifier and the bank account information of the consignment store having the settlement machine are registered in advance for each settlement machine,
Cashout management information database for managing cashouts,
Including
The wallet server
Identify the user who uses the user terminal and
Identify the checkout machine,
The cash-out amount is determined according to the instructions from the user.
The bank account information of the user is acquired from the user database, and the information is obtained.
Create account transfer data for deducting the determined cash-out amount plus a fee from the identified user's bank account and depositing it into the centralized bank account, and send it to the real-time account transfer system.
Upon receiving the notification of the completion of withdrawal from the real-time fund transfer system, the identified settlement machine is instructed to withdraw cash corresponding to the determined cash-out amount.
The user identifier of the identified user, the settlement machine identifier of the identified settlement machine, the determined cash out amount, the fee, and the withdrawal date and time are recorded in the cash out management information database.
At the first predetermined timing, records including the same checkout machine identifier are extracted from the cashout management information database, the cashout amounts recorded in the extracted records are added up, and the checkout machine is used from the checkout machine database. The bank account information of the consignment store is acquired by using the identifier, the account transfer data for depositing the total cash out amount from the summary bank account to the bank account of the consignment store is created, and the real-time account transfer is performed. Send to system
At a predetermined second timing, records in which the bank to which the user's bank account belongs and the bank to which the bank account of the consignment store belongs are extracted from the cashout management information database, and for each bank, the user's bank account. The bank to which the bank belongs is the sum of the cash out amounts recorded in the record of the bank, and the bank to which the bank account of the consignment store belongs is the sum of the cash out amounts recorded in the record of the bank. Take the difference in the results and send it to the computer system of the secretary settlement bank,
A cash-out system that features that. The cash-out system according to claim 9.
The computer system of the secretary settlement bank that has received the difference in the total result from the wallet server is a cash-out system that performs interbank settlement with the computer system of each bank according to the difference in the total result.