JP6920705B1 - Deposit withdrawal systems, methods and programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent illegal deposit withdrawal including transfer fraud and illegal charge to a payment / settlement application, and even during a time period when ATM withdrawal from the depositor's account holding bank cannot be performed due to bank's convenience. Provides systems, methods and programs that allow ATM withdrawals from accounts. SOLUTION: An end user who is a depositor prevents unauthorized withdrawal from an account by pre-booking the time for withdrawal of deposits and / or the installation location of the ATM to be used, and also a designated ATM. It is equipped with a processor configured to allow direct withdrawals using. [Selection diagram] Fig. 3

Description

The present invention relates to a system, a method and a program for improving safety and convenience related to deposit withdrawal and the like.

Recently, along with the spread of payment / payment apps, charging the app balance (payment to the app) and refunding from the app balance (monetization) are performed by apps on smartphones (hereinafter referred to as "smartphone apps") and ATMs. The method of using is becoming widespread.

Recently, by utilizing the "more time" mechanism provided by the Japanese Bankers Association Fund Settlement Network (Zengin Net), the immediacy (real-time) of transfer processing between banks including Saturdays, Sundays, and nights has progressed. I'm doing it.

Recently, banks and others have provided services that process "account debits" at banks and the like immediately (in real time) (rather than monthly), and are becoming more common with the spread of payment and settlement applications.

Japanese Unexamined Patent Publication No. 2010-186329 Japanese Unexamined Patent Publication No. 2017-059119

Examples of fraudulent deposit withdrawals using cash cards include, for example, methods of withdrawing cash by stealing cash cards and PINs by means of car vandalism or other theft, drunkenness or drunken robbery, police officers and financial institutions. There are various methods such as deceiving an institutional employee and stealing a PIN with a cash card, stealing a PIN from a valuables box or coin locker of the PIN method, and skimming the stolen cash card at the same time to read the card data. Pattern exists. These are not limited to cash cards of deposit and savings accounts of banks, etc., but are also the same for cashing of credit cards.

As one of the measures to prevent such fraud, when withdrawing deposits using ATMs at banks and convenience stores (hereinafter referred to as "convenience stores"), the withdrawal time and withdrawal amount are limited (including each day of the week). Restrictions) are often provided. In many cases, there are individual restrictions on the withdrawal time zone and withdrawal amount for each ATM installation location, such as in convenience stores and bank branches.

Although such restrictions on time, amount of money, and location (ATM installation location) are effective for the purpose of crime prevention, etc., they are for general users who do not intend to cheat, which accounts for the majority of users. The result is inconvenience.

In addition to the above-mentioned fraudulent cash withdrawals mainly from ATMs, there are various criminal acts of fraudulent use involving account withdrawals, such as transfer fraud or fraudulent charges to payment / settlement applications. , Has become a social problem.

In addition to the purpose of crime prevention, it is also inconvenient for end users to impose restrictions on the time available for withdrawal of deposits using ATMs, the amount of money that can be withdrawn, etc. due to system operations on the bank side or contractual restrictions. The result is compelling.

In Patent Document 1, as a system for preventing the misappropriation and fraud of the deposit account, it is set so that the withdrawal operation cannot be performed on the predetermined deposit account, and the holder or the accountant in a voluntary organization such as a self-governing association or a circle. Or, when the holder of the deposit account tries to withdraw money illegally, the approval / denial of withdrawal from the approver is judged, and if there is approval, the system that enables withdrawal is disclosed. There is. However, this system is not a solution to the bank's system constraints.

In Patent Document 2, reservation request information for reserving cash withdrawal, which includes reservation request information including an upper limit of the number of withdrawals that can be used by the cash withdrawal device, is received, and cash is obtained based on the reservation information. A cash payout control system is disclosed that allows cash payouts, provided that the number of payouts does not exceed the upper limit of the number of payouts specified from the reservation information when the payout is requested. However, even this system is not a solution to the restrictions of the bank's system.

The present invention solves such a problem by providing a system that enables safe withdrawal of deposits without impairing the convenience of end users while preventing fraudulent acts such as crimes.

The deposit withdrawal system, which is a uniform form of the present invention, is a processor that reserves the date and time, place (ATM installation location), amount, etc. of deposit withdrawal in advance by the end user, and permits deposit withdrawal only when this condition is met. To be equipped.

Further, at this time, a third party "approver of deposit withdrawal reservation" may be provided in advance, and the withdrawal of deposit may be possible only when the approver approves.

In addition, when specifying this deposit withdrawal reservation, if the end user's account holding bank cannot process at the specified ATM at the specified time zone, request a bank that can process the deposit withdrawal, and if necessary It is equipped with a processor that enables withdrawal of deposits from the bank that can process the required amount by pre-transferring the required amount.

The term "bank" in this specification shall include all financial institutions that handle deposits and savings, such as credit unions, credit unions, and labor banks, other than banks in the narrow sense, as well as consumer finance companies and business finance. It shall include a wide range of companies, credit card companies, etc. In addition, the term "bank" in this specification shall broadly include operators of payment / settlement applications.

In addition, when referring to "withdrawal of deposits" in this specification, in addition to cash withdrawals from deposits and savings, bank transfer, fund transfer, various remittances, withdrawals of deposits associated with various payments, card loans, cashing, etc. In addition to various borrowings using means and handling of cash, payment / settlement applications, electronic money charges, and general withdrawal processing from these accounts shall be broadly included.

In addition, when referring to "depositor" in this specification, in addition to those who have a deposit and savings account, they also have accounts of consumer finance companies, business finance companies, credit card companies, etc. Those who can borrow money and those who have a balance that can be used for smartphone apps shall be widely included.

In addition, when the term "ATM" is used in this specification, in addition to ATMs (automated teller machines) in a narrow sense, financial institutions, convenience stores, and other storefronts and various call centers that can carry out substantially the same functions as ATMs. Etc. shall be included.

According to the present invention, there is an effect of preventing fraudulent withdrawal of deposits by requiring advance reservation when withdrawing deposits.

In the above, based on the selection of the end user who is the depositor, options such as "reservation is always required for deposit withdrawal" or "reservation is required only for night / holiday deposit withdrawal" are provided as options. Things can be considered.

Further, in this case, if the above-mentioned "approver of deposit withdrawal reservation" is provided, it can be applied to prevention of transfer fraud, pocket money management of children, deposit withdrawal management of a ward under the adult guardianship system, and the like.

In addition to the above-mentioned criminal activity prevention effect, there is an effect of improving the convenience of end users. Withdrawals that have been limited in time, place (ATM installation location, etc.), and amount at the discretion and discretion of the bank, will be withdrawn beyond the above restrictions when a deposit withdrawal is reserved. If possible, it will improve end-user convenience.

In this case, specifically, the end user's account-holding bank, which is the depositor, responds to the end user's desired deposit withdrawal time and withdrawal amount at the ATM specified by the end user (eg, a specific convenience store chain). If this is not the case, if the withdrawal process is outsourced to another financial institution that can handle the withdrawal, it will be possible to withdraw the deposit at the place, time, and amount desired by the end user.

In the above case, it is conceivable to reduce the planned withdrawal amount from the account balance of the end user's account-holding bank and, if necessary, take measures such as remittance to the bank corresponding to the withdrawal.

It is a figure which illustrates the structure including the "deposit withdrawal reservation management system" which concerns on one Embodiment of this invention. It is a figure which illustrates the structure of the end user device which concerns on one Embodiment of this invention. It is a conceptual diagram which illustrates the whole functional structure, and the whole operation of the "deposit withdrawal reservation management system" which concerns on one Embodiment of this invention. It is a figure which illustrates the specific screen of the deposit withdrawal reservation on the end user device which concerns on one Embodiment of this invention. It is a figure which illustrates the sequence which shows the flow of the preliminary initial setup process when the "deposit withdrawal reservation management system" which concerns on one Embodiment of this invention is realized only by the account holding bank of the end user who is a depositor. It is a figure which illustrates the sequence which shows the flow of the pre-initial setup process when the "deposit withdrawal reservation management system" which concerns on one Embodiment of this invention is performed on behalf of a bank by a third management and operation company. It is a figure which illustrates the sequence which shows the flow of the withdrawal reservation processing when the "deposit withdrawal reservation management system" which concerns on one Embodiment of this invention is realized only in the account holding bank of the end user who is a depositor. In addition to the two banks, the bank that holds the account of the end user who is the depositor and the bank that actually performs the deposit withdrawal process, the "deposit withdrawal reservation management system" according to the embodiment of the present invention is provided by a third management / operating company. It is a figure which illustrates the sequence which shows the flow of the withdrawal reservation processing in the case of operating a part thereof instead of. It is a figure which illustrates the sequence which shows the flow of the deposit withdrawal processing when the "deposit withdrawal reservation management system" which concerns on one Embodiment of this invention is performed only in the account holding bank of the end user who is a depositor. In addition to the two banks, the bank that holds the account of the end user who is the depositor and the bank that actually performs the deposit withdrawal process, the "deposit withdrawal reservation management system" according to the embodiment of the present invention is provided by a third management / operating company. It is a figure which illustrates the sequence which shows the flow of the depositor withdrawal processing in the case of performing a part thereof on behalf of a bank. In addition to the two banks, the bank that holds the account of the end user who is the depositor and the bank that actually performs the deposit withdrawal process, the "deposit withdrawal reservation management system" according to the embodiment of the present invention is provided by a third management / operating company. It is a figure which illustrates the sequence which shows the flow of the withdrawal reservation cancellation processing in the case of performing a part on behalf of a bank.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In a plurality of drawings, the same reference numerals represent the same elements, and duplicate description will be omitted.

FIG. 1 is a diagram illustrating a configuration including a “deposit withdrawal reservation management system” according to an embodiment of the present invention. FIG. 1 schematically illustrates that the end-user device 101 and the approver device 106 are connected to the management and operation server 121 via the network 110. Further, it is shown that the management / operation server 121 is connected to the account holding bank server 141 and the deposit withdrawal bank server 161 and the account holding bank server 141 and the deposit withdrawal bank server 161 are also connected to each other.

The end user device 101 is a device operated by the end user 100 who is a depositor, and may be, for example, a PC, a tablet, a smartphone, a server, or a combination thereof. The end user device 101 has information about the end user 100 itself, "initial setup for deposit withdrawal reservation", "deposit withdrawal reservation", "actual deposit withdrawal", and "cancellation of deposit withdrawal reservation". Etc. can be transmitted to the management / operation server 121.

The "initial setup for deposit withdrawal reservations" may include end user information such as end user credentials and names, as well as information about the end user's withdrawal account. Further, the information of "deposit withdrawal reservation" may include the withdrawal date and time, the installation location / type of the ATM to be withdrawn, the withdrawal amount, and various detailed information (withdrawal account information, etc.) associated with the withdrawal reservation. In addition, the information related to "actual withdrawal of deposit" may include information such as a withdrawal reservation number and a one-time password. In addition, the information relating to "cancellation of deposit withdrawal reservation" may include information corresponding to the reservation number when the initial reservation is executed.

The approver device 106 is a device used by the approver 105 who approves the act of “deposit withdrawal reservation” performed by the end user who is the depositor, and is, for example, a PC, a tablet, a smartphone, a server, or a combination thereof. can do. The approver device 106 executes the acceptance instruction of the "deposit withdrawal reservation" performed by the end user 100 using the end user device 101, and if necessary, the "initial setup related to the deposit withdrawal reservation" information, And "Cancellation of deposit withdrawal reservation" can be approved, and such information can be transmitted to the management / operation server 121.

The approver 105 and the approver device 106 are not essential components in the “deposit withdrawal reservation management system” but are arbitrary.

The management / operation server 121 is composed of one or more servers, and the end user's "initial setup" information, "deposit withdrawal reservation" information, and "deposit withdrawal reservation" are sent from the end user device 101 via the network 110. You can receive information related to "Cancellation of". In addition, if necessary, the end user's "initial setup" information, "deposit withdrawal reservation" information, and approval information related to "cancellation of deposit withdrawal reservation" are received from the approver device 106 via the network 110. Can be done. The management / operation server 121 can also register such information transmitted from the end user device 101 or the approver device 106 in the database 122.

Further, the management / operation server 121 transmits the "initial setup" information, the "deposit withdrawal reservation" information, and the information related to the "cancellation of the deposit withdrawal reservation" received from the end user device 101 through the network 110 through the network 130. It can be sent to the account-holding bank server 141. In addition, the management / operation server 121 can transmit "deposit withdrawal reservation" information and "cancellation of deposit withdrawal reservation" information to the deposit withdrawal bank server 161 through the network 170.

The account-holding bank server 141 is composed of one or more servers, and is used for "initial setup" information, "deposit withdrawal reservation" information, and "cancellation of deposit withdrawal reservation" from the management / operation server 121 through the network 130. Receiving such information, registering the specified corresponding account as "deposit withdrawal reservation processing target account", executing "deposit withdrawal reservation" processing, and executing processing related to "cancellation of deposit withdrawal reservation", these The result of is transmitted to the management / operation server 121. In addition, these series of results can be stored in the database 142.

Further, the account-holding bank server 141 may transmit "deposit withdrawal reservation" information and "cancellation of deposit withdrawal reservation" information to the deposit withdrawal bank server 161 through the network 150. At this time, the remittance process for the funds required for withdrawal may be performed.

The deposit withdrawal bank server 161 is composed of one or more servers, and receives "deposit withdrawal reservation" information and "cancellation of deposit withdrawal reservation" information from the management / operation server 121 through the network 170, and "cancels the deposit withdrawal reservation". The "deposit withdrawal reservation" process is executed, or the process related to "cancellation of the deposit withdrawal reservation" is executed, and these results are returned to the management / operation server 121. In addition, these series of results can be stored in the database 162.

Further, the deposit withdrawal bank server 161 may receive "deposit withdrawal reservation" information and "cancellation of deposit withdrawal reservation" information from the account holding bank server 141 through the network 150. At this time, the remittance receipt processing regarding the funds required for withdrawal may be performed.

Further, the deposit withdrawal bank server 161 receives the information related to the "deposit withdrawal" request from the ATM 190 through the network 180, confirms the consistency with the reservation information related to the deposit withdrawal received in advance, and performs the deposit withdrawal process. Run. Further, at this time, the withdrawn amount may be deducted from the difference between the planned withdrawal amount and the actual withdrawal amount.

The deposit withdrawal bank server 161 is temporarily dedicated to a virtual account (hereinafter referred to as "one-time account") when executing a series of "deposit withdrawal reservation" processing and "deposit withdrawal" processing using an ATM. You may create () and perform processing such as withdrawal processing and balance management with this account.

The network 110 can be a well-known network such as the Internet that can communicate with each other between the end user device 101 and the approver device 106 and the management / operation server 121, and is not particularly limited. The network 130 can be a well-known network capable of mutual communication between the management / operation server 121 and the account-holding bank server 141, such as the Internet, and is not particularly limited. The network 150 can be a well-known network capable of mutual communication between the account-holding bank server 141 and the deposit withdrawal bank server 161, such as the Internet, and is not particularly limited. The network 170 can be a well-known network capable of mutual communication between the management / operation server 121 and the deposit withdrawal bank server 161 such as the Internet, and is not particularly limited. The network 180 can be a well-known network capable of intercommunication between the ATM 190 and the deposit withdrawal bank server 161, such as the Internet, and is not particularly limited.

The management / operation company 120 and the management / operation server 121 in FIG. 1 execute a series of complicated and common processes related to deposit withdrawal reservations on behalf of banks (account holding bank 140, deposit withdrawal bank 160). Is what you do. On the other hand, when the bank processes a series of processes within its own bank, the management / operation company 120 and the management / operation server 121 are not essential components in the "deposit withdrawal reservation management system". Specific explanations regarding these will be given in FIGS. 3 and later.

Further, in FIG. 1, the account-holding bank server 141 and the deposit withdrawal bank server 161 are described as independent of each other, but if the processing can be completed within the end-user's account-holding bank 140, the account-holding bank server 141, the deposit withdrawal bank server 161 may be substantially the same server. In such a case, the ATM 190 will be communicably connected to the account-holding bank server 141. Specific explanations regarding these will be given in FIGS. 3 and later.

FIG. 2 is a diagram illustrating the configuration of the end user device 101 according to the embodiment of the present invention. The end-user device 101 generally includes an IF unit 1010, a display unit 1011 and an input receiving unit 1012, and a scanner unit 1013.

The IF unit 1010 receives the end user's own information (name, etc.) to be displayed on the end user device 101 from the management / operation server 121, the result of the "deposit withdrawal reservation" process, and the result of the "cancellation of the deposit withdrawal reservation". , The interface for receiving information about the current reservation details and past handling history. Further, the end user device 101 via the IF unit 1010 provides information related to "initial setup" such as end user authentication information (ID, password, etc.), end user name, and instructions for "deposit withdrawal reservation". Information regarding the "Cancel Deposit Withdrawal Reservation" instruction can be sent.

The display unit 1011 is a display device, and is an end user's own information (name, etc.), a result of "deposit withdrawal reservation" processing, a result of "cancellation of deposit withdrawal reservation", current reservation details, past reservations and deposits. Information related to the history of withdrawal reservations can be displayed.

The input receiving unit 1012 can accept input by the end user. Specifically, it relates to the input of end user authentication information (ID, password, etc.), the input of information related to the initial setup such as the end user's name, the instruction of "deposit withdrawal reservation", and the instruction of "cancellation of deposit withdrawal reservation". Input operations, etc.

The scanner unit 1013 can read a two-dimensional bar code or the like. The scanner unit 1013 is an arbitrary component used when a reading process such as a two-dimensional bar code is required in an ATM operation. Specifically, when withdrawing money from an ATM, a process such as reading a two-dimensional bar code displayed on the ATM, analyzing the two-dimensional bar code, and extracting a character string or the like is executed. These extracted character strings and the like are transmitted to the management / operation server 121, the account-holding bank server 141, and the like through the IF unit 1010.

The configuration of the approver device 106 is the same as that of the end user device 101 shown in FIG. 2, although the input / output data is only the information related to the approval of the deposit withdrawal reservation. ..

FIG. 3 is a conceptual diagram illustrating the logical functional configuration of the entire “deposit withdrawal reservation management system” according to the embodiment of the present invention. FIG. 3 shows a logical flow related to the “deposit withdrawal reservation” process after the initial setup is completed and the subsequent “actual withdrawal of deposit” process.

S301 to S304 described below show the flow when the account-holding bank 140 that holds the account in the name of the end user and the bank that actually executes the deposit withdrawal process are different.

S301 (Withdrawal Reservation): The end user 100 makes a deposit withdrawal reservation from the online banking screen provided by the bank, a predetermined smartphone application, or the like using the end user device 101. At this time, the end user 100 specifies information such as the scheduled date and time of withdrawal, the amount of money, and the location of the ATM to be used (convenience store, bank branch ATM, etc.).

S302 (Approval of withdrawal reservation): The account-holding bank server 141 accepts the input information of the end user 100. At this time, based on the information at the time of initial setup regarding the account, the pre-registered approver 105 or the approver device 106 may be requested to approve the deposit withdrawal reservation made by the end user 100. The approver 105 inputs the approval / disapproval information for this approval request via the approver device 106. Such approval or disapproval by a third party has the effect of further enhancing the security of the deposit withdrawal.

S303 (Notification / Remittance): The account-holding bank server 141 makes a deposit withdrawal reservation from the end user 100 (and receives approval information from the approver 105 if necessary), and whether the withdrawal can be processed within the bank. To judge. If it is determined that the withdrawal cannot be processed by the bank due to systematic reasons, contractual reasons, etc., the deposit withdrawal bank server 161 that can execute the withdrawal is requested to process the withdrawal. At this time, the account-holding bank server 141 notifies the deposit withdrawal bank server 161 of the deposit withdrawal reservation information from the end user 100.

At this time, it is a general process to remit the planned withdrawal amount from the account holding bank 140 to the deposit withdrawal bank 160 at the same time, but the remittance may be executed after the fact or collectively in advance. In addition, if there is an account in the name of the account holding bank 140 and an account in the name of the deposit withdrawal bank 160 in the same bank (that is, the account holding bank 140 or the deposit withdrawal bank 160), the funds will be provided by transfer processing between the accounts. May be done.

Further, at this time, the deposit withdrawal bank server 161 that has received the request for the deposit withdrawal process may create a temporary "one-time account" used only for the purpose in preparation for the withdrawal.

S304 (Withdrawal / Charge): The end user 100 makes a deposit withdrawal using the ATM reserved for its use according to the deposit withdrawal information reserved in advance. At this time, it is the deposit withdrawal bank server 161 that executes the deposit withdrawal process.

As described above, the withdrawal in this case is not limited to the withdrawal of deposits and savings, and the same applies to the execution of cashing, card loans, and the like. The same applies to bank transfers and associated account withdrawals, balance charges to payment / settlement apps, and cash withdrawals from the balance of payment / settlement apps.

Further, at the time of this deposit withdrawal, the system that actually processes the withdrawal is not the account holding bank server 141 but the deposit withdrawal bank server 161. Therefore, the cash card of the account holding bank 140 owned by the end user 100 is used. It is assumed that it cannot be used. Therefore, the medium used by the end user 100 for withdrawing deposits may be a smartphone or a dedicated withdrawal card.

The above-mentioned S301 to S304 enables safe withdrawal of deposits even at ATMs that could not be withdrawn in the past due to systematic, contractual, or other reasons.

Further, when withdrawing S304, by using a one-time password or the like that is valid only for the withdrawal, the withdrawal associated with the reservation can be made more secure.

The above-mentioned S301 to S304 are the explanations when the account-holding bank 140 and the deposit withdrawal bank 160 that actually performs the deposit withdrawal process are different. The following S3010 is an explanation in the case where the bank holding the account 140 and the bank that actually performs the withdrawal process are the same.

The following description can be applied to cases where advance deposit withdrawal reservation is required, for example, at night and on holidays (same for weekdays and daytime) by setting by the end user 100 or setting of the bank holding the account 140.

Even when such an account-holding bank 140 performs processing independently, S301 (withdrawal reservation) and S302 (withdrawal reservation approval) are the same as in the case where the account-holding bank 140 and the deposit withdrawal bank 160 are different.

However, since the bank holding the account 140 and the bank that actually performs the deposit withdrawal processing are the same, S303 (notification / remittance) is not explicitly required because the processing is performed within the same bank.

S3010: When the account-holding bank 140 and the bank that actually performs the deposit withdrawal process are the same, the server connected to the ATM 190 is the account-holding bank server 141, and the deposit withdrawal process is executed by the account-holding bank server 141.

Further, as the medium used for S304 (withdrawal / charge), since the processing server is the account-holding bank server 141, the cash card of the account-holding bank 140 held by the end user 100 can generally be used.

As mentioned above, even if the bank holding the account 140 and the bank that actually performs the deposit withdrawal process are the same, by requiring advance reservation or third party approval for deposit withdrawal, fraudulent deposits can be made. Withdrawals can be prevented and the end user 100's deposits can be safely preserved.

If a reservation is required when withdrawing such a deposit, in addition to the usual cash card medium and PIN, Internet banking for reservation, authentication of the smartphone application for reservation, and one-time password for withdrawal, etc. By utilizing it, many authentication factors will be used, and by limiting the withdrawal time and ATM used, it will be possible to realize more secure deposit withdrawal compared to ordinary withdrawals.

The above is an explanation of the case where the bank holding the account 140 and the bank that actually performs the withdrawal process are the same. Systematizing notifications and remittances to banks that actually make withdrawals imposes a heavy development and operational burden on each bank. Therefore, in the following, an example will be described in which such processing such as withdrawal reservation, third party approval, notification / remittance to another bank is operated by a separate management / operating company 120 different from the bank itself.

S3020: When the management / operation server 121 of the management / operating company 120 executes all the processing such as reservation reception related to the "deposit withdrawal reservation management system", preparatory processing for deposit withdrawal, and post-processing of deposit withdrawal, the end The process corresponding to S301 (withdrawal reservation) executed by the user 100 is executed between the end user device 101 and the management / operation server 121, and the information of the deposit withdrawal reservation by the end user 100 is sent to the management / operation server 121. You will be notified.

S3021: The management / operation server 121, which has received the deposit withdrawal reservation information from the end user device 101, obtains the approval of the approver 105 as necessary based on the information of the initial setup and the like. Notify 106 and obtain permission / non-permission reply information regarding the withdrawal reservation.

S3022: After completing the above-mentioned acceptance of deposit withdrawal reservation information (S3020) and approval processing of withdrawal reservation (S3021) performed as necessary, the management / operation server 121 makes the reservation to the account-holding bank server 141. Notify. At this time, the account-holding bank server 141 may perform an account withdrawal process of the amount to be withdrawn from the account based on the content of the notification from the management / operation server 121. The account-holding bank server 141 that received the notification regarding the reservation performs necessary processing such as confirmation of the account attribute / status, matching with the initial setup information, and the above-mentioned account withdrawal, and then transfers the processing result to the management / operation server 121. Notice.

S3023: The management / operation server 121 that has received the reservation registration result notification from the account-holding bank server 141 notifies the deposit withdrawal bank server 161 of the withdrawal reservation. Upon receiving this notification, the deposit withdrawal bank server 161 performs processing such as creating a "one-time account" in preparation for the reservation. At this time, at the same time, the management / operating company 120 may request the account-holding bank 140 to remit the relevant funds to the deposit withdrawal bank 160. In addition, this remittance process may be performed after the fact or in advance in a lump sum.

In addition, S3023 shows the processing when the account holding bank 140 and the deposit withdrawal bank 160 are different, but when these are the same bank, the request for the deposit withdrawal preparation of S3023 is sent to the account holding bank server 141. It will be done against.

Further, when a series of preparatory processes are completed (S3023), or when a reservation is accepted in S3020, the management / operation server 121 asks the end user device 101 for a reservation number used for withdrawing a deposit. You may be notified of the one-time password for withdrawal. The use of this one-time password can make deposit withdrawals more secure from the viewpoint of preventing unauthorized use by a malicious third party.

The next step, the deposit withdrawal process by the end user 100, is the same as in S304. In this case, if the account holding bank 140 and the deposit withdrawal bank 160 are different, it is assumed that the medium used at the time of withdrawal is mainly a smartphone or a dedicated withdrawal card, as described in S304, and the account holding bank. When 140 and the deposit withdrawal bank 160 are the same, it is assumed that the bank card is mainly the cash card of the account-holding bank 140 already held.

FIG. 4 illustrates a screen displayed on the end user device 101. Among the screens displayed on the end user device 101, FIG. 4 shows an example of a deposit withdrawal reservation screen.

In Fig. 4, the end user sets items such as withdrawal account, scheduled withdrawal amount, ATM type to be used, scheduled withdrawal date and time (range specification), and account withdrawal type (unlimited, cash withdrawal, application balance charge, etc.). An example of a screen in which 100 is input is shown. This screen shows an example in which the convenience store chain of the ATM to be used can also be specified.

As shown in the "Scheduled withdrawal date and time" item on this screen, when making a reservation for deposit withdrawal, it is not limited to the future such as "a few hours later" or "a few days later". It is also possible to specify and use such as "within X hours from now") ".

The screen of FIG. 4 is an example, and these items, button arrangements, and the like are not limited to the example shown in FIG. Further, although FIG. 4 shows a screen for a smartphone, the same applies to a screen for a PC, tablet, or the like.

FIG. 5 is a diagram illustrating an outline of a processing sequence relating to a deposit withdrawal reservation management system according to an embodiment of the present invention. FIG. 5 shows the flow of the initial setup process, which is the pre-process when making a deposit withdrawal reservation. Further, FIG. 5 shows a sequence in which the processing is completed by the account-holding bank 140 alone without the intervention of the management / operating company 120.

S501: The end user 100 applies for the use of the service by using the end user device 101 prior to using the deposit withdrawal reservation service. At this time, the screen to be used may be a net banking screen or a smartphone application provided by the account-holding bank 140, but is not limited thereto.

S502: The account-holding bank server 141 receives the application for use of S501 and registers the use of the "deposit withdrawal reservation service" for the designated account. In addition, at this time, as options of the service, (a) necessity of setting an approver and its contact information (email address, etc.), (b) applicable time zone (24 hours 365 days reservation required / reservation only on night holidays) Options such as (required, etc.) and (c) target services (cash withdrawal only / bank transfer, including charge to the application balance, etc.) may be provided. In addition, the account-holding bank server 141 checks the account type (corporate account / individual account, etc., ordinary deposit / checking deposit / time deposit, etc.) and account status (presence or absence of seizure, etc.) at the same time when accepting this service use application. May be done.

S503: If an approver 105 other than the end user 100 is registered in the initial setup procedure related to this "deposit withdrawal reservation service", information regarding this service use registration is transmitted to the approver 105 or the approver device 106. You may. Further, the notification at this time may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification or a communication means equivalent thereto. In addition, the initial setup procedure may be completed after waiting for the approval notification from the approver.

S504: After the registration for using the deposit withdrawal reservation service on the account-holding bank server 141 is normally completed, the account-holding bank server 141 may notify the end user device 101 or the end user 100 of the completion of registration. good. This notification may be a notification on the registration screen, or may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification, or a communication means equivalent thereto.

FIG. 6 is a diagram illustrating an outline of a processing sequence relating to a deposit withdrawal reservation management system according to an embodiment of the present invention. FIG. 6 shows the flow of the initial setup process, which is the pre-process when making a deposit withdrawal reservation. In FIG. 5 above, the sequence in which the processing is completed within the account-holding bank 140 without intervening the management / operating company 120 is shown, but in FIG. 6, the case where the management / operating company 120 is intervened is shown. Shows the sequence.

S601: The end user 100 uses the end user device 101 to apply for the use of the deposit withdrawal reservation service prior to the use of the service. The screen used at this time may be the screen of the website or the smartphone application provided by the management / operation server 121, but is not limited to these.

S602: The management / operation server 121 receives the application for use of S601 and performs temporary registration processing of basic information such as the user name, user contact information, and information on the withdrawal account. In addition, when accepting this usage application, as options of the service, (a) necessity of setting an approver and its contact information (email address, etc.), (b) applicable time zone (24 hours 365 days reservation required / It is also possible to provide options such as (reservation required only on nights and holidays), (c) target services (cash withdrawal only / bank transfer, charge to application balance, etc.), and register these at the same time.

S603: After the provisional registration of S602, the management / operation server 121 requests the account-holding bank server 141 to register the account designated by the end user 100 as the target account of the deposit withdrawal reservation service.

S604: The account-holding bank server 141 performs processing such as attribute setting related to the account based on the request received from the management / operation server 121, and then returns the result to the management / operation server 121. When setting attributes by this account-holding bank server 141, the account type (corporate account / individual account, etc., ordinary deposit / checking deposit / time deposit, etc.) and account status (presence or absence of seizure, etc.) may be checked. ..

S605: The management / operation server 121 registers the application contents from the end user based on the reply message from the account-holding bank server 141.

S606: If the approver is registered in the initial setup procedure of S602 related to the deposit withdrawal reservation service, the information regarding the service use registration may be transmitted to the approver 105 or the approver device 106. Further, at this time, this notification may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification or a communication means equivalent thereto. In addition, the initial setup procedure may be completed after waiting for the permission notification from the approver.

S607: After the registration of the deposit withdrawal reservation service on the management / operation server 121 is normally completed, the management / operation server 121 may notify the end user device 101 or the end user 100 of the completion of registration. .. This notification may be a notification on the registration screen, or may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification, or a communication means equivalent thereto.

FIG. 7 is a diagram illustrating an outline of a processing sequence relating to a deposit withdrawal reservation management system according to an embodiment of the present invention. FIG. 7 shows a flow when the deposit withdrawal reservation is actually executed after the preliminary initial setup process for the deposit withdrawal reservation is completed. FIG. 7 shows a sequence in which the processing is completed within the account-holding bank 140 without the intervention of the management / operating company 120, and this is the initial setup within the same bank described in FIG. 5 above. It corresponds to the case of completion.

S701: The end user 100 uses the end user device 101 to register information regarding a deposit withdrawal reservation on a predetermined registration screen provided by the account-holding bank server 141. At this time, as shown in Fig. 4 above, the scheduled withdrawal date and time is specified in a range, and the withdrawal amount, withdrawal account, ATM type (installation location, etc.), and account withdrawal type (cash) are specified. Information such as withdrawals, application balance charges, etc.) is registered, but the information to be registered is not limited to these.

S702: Upon receiving the information regarding the deposit withdrawal reservation from the end user device 101, the account-holding bank server 141 temporarily registers the reservation information.

S703: When an approver is specified in the initial setup procedure related to the deposit withdrawal reservation service shown in S502, the information regarding the deposit withdrawal reservation may be transmitted to the approver 105 or the approver device 106. Further, the notification at this time may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification or a communication means equivalent thereto.

S704: The approver 105 regarding the deposit withdrawal reservation receives the approval request from the account holding bank server 141, and notifies the account holding bank server 141 of the reservation approval or non-approval information by using the approver device 106 or the like. The notification means at this time is mainly assumed to be the approval acceptance screen connected to the account-holding bank server 141, but one or more from e-mail, SMS (Short Message Service), or a communication means equivalent thereto. It may be done by means.

S705: After confirming the temporary withdrawal reservation process of S702 and the approval (S704) by the approver 105 executed as necessary, the account-holding bank server 141 performs the final registration process regarding the deposit withdrawal reservation.

At the time of this final registration, the account-holding bank server 141 may determine the one-time password, one-time passcode, and reservation number to be used at the time of withdrawal, and at the same time register them in the database 142.

S706: After the registration of the deposit withdrawal reservation on the account-holding bank server 141 is normally completed, the account-holding bank server 141 may notify the end user device 101 or the end user 100 of the completion of registration. This notification may be a notification on the registration screen, or may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification, or a communication means equivalent thereto.

In addition, at the time of this notification, a one-time password, a one-time passcode, or a reservation number used for withdrawal of deposits may be notified at the same time. By making such a one-time password, one-time passcode, reservation number, etc. mandatory when withdrawing deposits, unauthorized withdrawals by third parties can be prevented and deposit withdrawals can be made more secure. be able to.

In addition to the conventional cash card and password, the one-time password, one-time passcode, etc. displayed on the smartphone application provided by the bank 140 will be used for withdrawal of ordinary deposits without deposit withdrawal reservation. If the input is mandatory, it is possible to prevent unauthorized withdrawals by a third party and make the withdrawal of deposits safer.

S707: When the approver 105 is registered for this reservation, after the registration of the deposit withdrawal reservation service of S705 is successfully completed, the account-holding bank server 141 registers with the approver device 106 or the approver 105. You may give a notice of completion. This notification may be an on-screen notification provided by the account-holding bank server 141, or by using one or more means from e-mail, SMS (Short Message Service), push notification or equivalent communication means. You may go.

FIG. 8 is a diagram illustrating an outline of a processing sequence relating to a deposit withdrawal reservation management system according to an embodiment of the present invention. FIG. 8 shows a flow when the deposit withdrawal reservation is actually executed after the preliminary initial setup process for the deposit withdrawal reservation is completed. FIG. 8 shows a sequence in which the management / operation server 121 is interposed and the bank holding the account 140 and the deposit withdrawal bank 160 that actually executes the deposit withdrawal service are different. It corresponds to the initial setup process with the intervention of the management / operation company explained in.

S801: The end user 100 registers the reservation information regarding the withdrawal of the deposit by using the end user device 101 and using the predetermined registration screen provided from the management / operation server 121. At this time, as shown in Fig. 4 above, the range of scheduled withdrawal dates and times is specified, and information such as the planned withdrawal amount, withdrawal account, and type of ATM to be used (installation location, etc.) is registered. The information to be provided is not limited to these.

S802: Upon receiving the information regarding the deposit withdrawal reservation from the end user device 101, the management / operation server 121 temporarily registers the reservation information.

S803: If the approver 105 is registered in the initial setup procedure related to the deposit withdrawal reservation service shown in S602, the information regarding the deposit withdrawal reservation is transmitted to the approver 105 or the approver device 106. Further, at this time, this notification may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification or a communication means equivalent thereto.

S804: The approver 105 regarding the deposit withdrawal reservation receives the approval request from the management / operation server 121, and notifies the management / operation server 121 of the reservation approval or non-approval information by using the approver device 106 or the like. At this time, the notification means is assumed to be an approval acceptance screen mainly connected to the management / operation server 121, but one or more from e-mail, SMS (Short Message Service), or a communication means equivalent thereto. It may be done by means.

S805: The management / operation server 121 uses the ATM information and the withdrawal time zone among the deposit withdrawal reservation information registered by the end user 100 based on the ATM connection / operation management information collected / registered in advance. From the information such as, it is determined whether or not the account-holding bank server 141 can provide the deposit withdrawal service in the reservation time zone.

In the processing of S805 to S809, since the specified ATM is not connected to the account holding bank server 141 at the specified time zone, it is withdrawn to another bank (deposit withdrawal bank 160) that can handle withdrawal processing. This is the process when it is determined that it is necessary to outsource the service.

In S805, the management / operation server 121 may issue a withdrawal instruction regarding the specified amount from the designated withdrawal account to the account-holding bank server 141. This account withdrawal is a process for securing the required funds for withdrawal in the deposit withdrawal bank server 161 that is executed later, but if this is possible from the viewpoint of fund management, system allowance, contract, etc., this is the process. At this point, the actual withdrawal may not be executed, or the withdrawal-equivalent process such as reducing the credit limit may be performed.

The funds withdrawn from the account may be transferred to the account of the management / operating company 120 in the account-holding bank 140, transferred to a predetermined account of the management / operating company, or the account-holding bank 140. It may be deposited in a separate deposit or the like, or it may be maintained by an equivalent method other than the above.

S806: The account-holding bank server 141 transmits this completion notification to the management / operation server 121 after the account withdrawal processing related to the withdrawal scheduled funds or the equivalent processing is completed.

S807: The management / operation server 121 transmits a telegram regarding the agency / entrustment of the deposit withdrawal service to the deposit withdrawal bank server 161. At this time, the telegram may include information such as the scheduled withdrawal amount, the scheduled withdrawal date and time, and the type of account withdrawal (cash withdrawal, application balance charge, etc.) received from the end user 100. Further, the management / operation server 121 may notify the deposit / withdrawal bank server 161 of the one-time password, the one-time passcode, and the withdrawal reservation number determined at the same time.

S808: The deposit withdrawal bank server 161 that received the deposit withdrawal consignment message from the management / operation server 121 opens a temporary account (one-time account) for the purpose in preparation for the withdrawal, and at the same time, the planned withdrawal amount. To the relevant account.

At this time, the funds corresponding to the above deposit amount may be remitted from the management / operating company 120, or the required funds may be transferred from the account held by the management / operating company 120 at the deposit withdrawal bank 160. Alternatively, the deposit withdrawal bank 160 may make a temporary remittance, or another means equivalent thereto.

S809: The deposit withdrawal bank server 161 transmits this completion notification message to the management / operation server 121 after the preparation for the deposit withdrawal reservation is completed.

S810: The management / operation server 121 records the preparation completion information in the database 122 after receiving the preparation completion notification including the completion of the one-time account opening / account deposit processing from the deposit withdrawal bank server 161.

S811: The management / operation server 121 may notify the end user device 101 or the end user 100 of the completion of registration. This notification may be a notification on the registration screen, or may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification, or a communication means equivalent thereto.

In addition, at the time of this notification, a one-time password, a one-time passcode, or a reservation number used for withdrawal of deposits may be notified at the same time. By making such a one-time password, one-time passcode, and reservation number a required item when withdrawing a deposit, it is possible to prevent unauthorized withdrawals by a third party and make the withdrawal of the deposit more secure. Can be done.

S812: When the approver 105 is registered for this reservation, after the registration of the deposit withdrawal reservation service of S810 is normally completed, the management / operation server 121 registers with the approver device 106 or the approver 105. You may give a notice of completion. This notification may be a notification on the screen provided by the management / operation server 121, or by using one or more means from e-mail, SMS (Short Message Service), push notification, or a communication means equivalent thereto. You may go.

Prior to the series of processing from S805 to S809, whether or not the account-holding bank 140 can process the deposit withdrawal desired by the end user 100 on the account-holding bank server 141, or which bank provides the deposit withdrawal service. In S805, the management / operation server 121 is supposed to determine whether or not it can be done. On the other hand, if the account-holding bank 140 can execute this determination, the account-holding bank server 141 may execute this determination. Further, the entrusted telegram (corresponding to S807) to the deposit withdrawal bank server 161 after this determination may be transmitted by the account holding bank server 141.

In the case where the account-holding bank server 141 sends a consignment message (equivalent to S807) to the deposit-withdrawal bank server 161 in this way, the withdrawal required funds are transferred from the account-holding bank 140 to the deposit-withdrawal bank 160. May be.

Further, in S805, the method of securing the required funds for withdrawal of deposit (withdrawal) is described as being executed at the time of reservation for withdrawal of deposit, but if this is possible, withdrawal from the end user account will be performed. The method may be executed when the withdrawal of the deposit is actually executed.

FIG. 9 is a diagram illustrating an outline of a processing sequence relating to a deposit withdrawal reservation management system according to an embodiment of the present invention. FIG. 9 shows a flow when actually executing a deposit withdrawal after the processing of the deposit withdrawal reservation is completed. FIG. 9 shows a sequence in which the account-holding bank 140 independently executes the reserved deposit withdrawal process without the intervention of the management / operation server 121. FIG. 9 corresponds to FIG. 5 (initial setup process) and FIG. 7 (deposit withdrawal reservation process).

S9011: The end user 100, who is a depositor, instructs the ATM 190, which has been reserved and registered, to process the withdrawal of the deposit according to the contents of the reservation registration that has been executed in advance. In the ATM 190, in addition to the normal deposit withdrawal menu button, a menu button for withdrawal associated with the deposit withdrawal reservation may be set, and the subsequent processing may be guided from this button.

S902: FIG. 9 shows a case where the deposit withdrawal accompanying the deposit withdrawal reservation is completed within the account-holding bank 140. Therefore, when the end user 100 executes a withdrawal accompanying a deposit withdrawal reservation, the medium used here is an existing cash card issued by the bank holding the account, and in addition to this, the PIN code of the account can be used. is assumed.

If the ATM190 is equipped with a function for linking with a smartphone app, such as displaying / reading a two-dimensional bar code, you can use the smartphone app instead of a cash card (or in combination) to perform the deposit withdrawal procedure. good. In addition, when making a deposit withdrawal reservation, a one-time password, one-time passcode, or reservation number is issued in advance from the account-holding bank server 141, and if this is a required input item for deposit withdrawal, enter it. It may be a method of performing.

S903: The ATM 190 transmits the contents of the deposit withdrawal instruction input to the ATM 190 by the end user 100 to the account-holding bank server 141.

S904: The account-holding bank server 141 receives the message of the deposit withdrawal request from the ATM 190, and matches the attributes related to the deposit withdrawal of the account (whether or not the deposit withdrawal reservation service is used, etc.) and the reservation contents (scheduled withdrawal time, amount of money). Etc.), and at the same time check the deposit balance, etc.

S905: The account-holding bank server 141 executes the withdrawal process for the account after it is confirmed in the check of S904 that the withdrawal request is okay.

S906: The account-holding bank server 141 confirms the completion of the withdrawal process for the account in S905, and then returns this completion notification to the ATM 190.

S907: The ATM 190 performs the cash withdrawal process upon receiving the notification of the completion of the fund withdrawal process related to the account received from the account holding bank server 141.

In S907, the cash withdrawal process from the deposit account is taken as an example, but as described above, the same applies to the execution of cashing, card loan, and the like. In addition, bank transfer, withdrawal from the account, charge to the payment / settlement application, etc. can be handled by the same processing.

FIG. 10 is a diagram illustrating an outline of a processing sequence relating to a deposit withdrawal reservation management system according to an embodiment of the present invention. FIG. 10 shows a flow when actually executing a deposit withdrawal after the processing of the deposit withdrawal reservation is completed. FIG. 10 shows a sequence in which the management / operation server 121 is interposed and the account holding bank 140 and the deposit withdrawal bank 160 are different. FIG. 10 corresponds to FIG. 6 (initial setup process) and FIG. 8 (deposit withdrawal reservation process).

S1001: The end user 100, who is a depositor, instructs the ATM 190 registered for reservation in the time zone for which the reservation has been registered to process the withdrawal associated with the deposit withdrawal reservation according to the contents of the reservation registration executed in advance.

FIG. 10 shows a case where the account holding bank 140 and the deposit withdrawal bank 160 are different. Therefore, when the end user 100 executes a withdrawal accompanying a deposit withdrawal reservation, it is mainly assumed that the medium used here is not an existing cash card issued by the bank holding the account, but a smartphone application or a dedicated withdrawal card. Will be done. Therefore, it is assumed that a dedicated menu button (eg, "reservation withdrawal", etc.) is set instead of the usual deposit withdrawal menu button in the ATM menu.

S1002: S1002 to S1004 show an example of a processing step when the processing of withdrawal of a deposit for which a withdrawal reservation has been made is performed using a smartphone application. In this case, the ATM 190 displays the two-dimensional bar code according to the menu selected by the end user 100. In addition to the information that identifies the ATM 190, the two-dimensional bar code may include the attributes (installation location, etc.) of the ATM 190, as well as information indicating that the deposit withdrawal reservation is being processed.

S1003: The end user 100 uses the smartphone application on the end user device 101 to read the two-dimensional bar code displayed on the screen of the ATM 190.

S1004: The end user device 101 transmits the information included in the two-dimensional bar code and the information for identifying the end user 100 to the management / operation server 121 via the smartphone application, and deposit withdrawal reservation information. Request confirmation of match / consistency with.

S1005: The management / operation server 121 collates the information transmitted from the smartphone application in S1004 with the information of the deposit withdrawal reservation registered in advance, and confirms the match / consistency with the reservation information.

S1006: The management / operation server 121 transmits the confirmation result of S1005 to the smartphone application on the end user device 101. At this time, the one-time password, one-time passcode, reservation number, etc. used for withdrawal of deposit may be transmitted at the same time.

S1007: The end user 100 gives the ATM 190 information for guaranteeing the validity of the withdrawal, in addition to the withdrawal amount and information for identifying the withdrawal (account number, reservation number, etc.), if necessary. Enter (one-time password, one-time passcode, etc.).

S1008: The ATM 190 transmits the information input by the end user 100 to the deposit withdrawal bank server 161 and requests the deposit withdrawal process.

S1009: The deposit withdrawal bank server 161 confirms the deposit balance and the account status (whether or not there is seizure, etc.), and also confirms the match / consistency with the information of the deposit withdrawal reservation registered in advance, and then confirms the account. Perform withdrawal processing for. At this time, if authentication-related information such as a one-time password or one-time passcode is transmitted from the ATM 190, the consistency of this information is also confirmed.

S1010: The deposit withdrawal bank server 161 notifies the ATM 190 of the processing result of S1009.

S1011: The ATM 190 receives the notification of the result of the account withdrawal processing of the deposit withdrawal bank server 161 and executes the cash withdrawal processing for the end user 100.

In S1011, cash withdrawal processing from a deposit account is taken as an example, but as described above, the same applies to the execution of cashing, card loan, and the like. In addition, bank transfer, withdrawal from the account, charge to the payment / settlement application, etc. can be handled by the same processing.

S1012: The deposit withdrawal bank server 161 that has executed the withdrawal processing of the deposit notifies the management / operation server 121 of the processing result.

S1013: The management / operation server 121 records the withdrawal record information in the database 122 in accordance with the notification content of S1012.

In the sequence described in S1001 to S1013, the division of roles between the management / operation server 121 and the deposit withdrawal bank server 161 has some patterns, for example, matching / matching with the deposit / withdrawal reservation information registered in advance. It is also possible to confirm the sex on the deposit withdrawal bank server 161 without going through the management / operation server 121.

FIG. 11 is a diagram illustrating an outline of a processing sequence relating to a deposit withdrawal reservation management system according to an embodiment of the present invention. In FIG. 11, a reservation is executed when the reserved deposit withdrawal process is not executed, or when only a part of the reserved amount is executed and the unwithdrawn balance remains after the reservation period has elapsed. The flow of cancellation processing is shown. FIG. 11 shows a sequence in which the management / operation server 121 is interposed and the account holding bank 140 and the deposit withdrawal bank 160 are different.

S1101: The management / operation server 121 selects, among the registered deposit withdrawal reservation information, the reservation information for which the reservation deadline has passed and the unwithdrawn balance exists in the one-time account of the deposit withdrawal bank server 161. Extract from database 122.

Since such an unwithdrawn balance has passed the withdrawal reservation period and can no longer be withdrawn by the end user 100, it is necessary to refund it to the end user 100 in some way. Here, an example of a processing sequence for refunding to the withdrawal account of the end user 100 at the account-holding bank 140 is shown.

S1102: The management / operation server 121 requests the deposit withdrawal bank server 161 to refund the corresponding amount of the reservation details for which the unwithdrawn balance remains to the end user account of the account holding bank server 141. ..

S1103: The deposit withdrawal bank server 161 executes a remittance process to the account holding bank server 141 for the remaining funds of the corresponding account based on the request from the management / operation server 121. At this time, the remittance may be made after deducting a predetermined fee.

S1104: The account-holding bank server 141 that has received the remittance executes the deposit processing of the funds into the account of the designated end user 100.

S1105: The account-holding bank server 141 that has completed the deposit processing to the designated account returns the processing completion notification to the deposit withdrawal bank server 161 that is the requesting source.

S1106: The deposit withdrawal bank server 161 notifies the management / operation server 121 of the completion of the deposit processing for the designated account in the account holding bank server 141.

S1107: The management / operation server 121 records in the database 122 the completion of the refund processing for the unexecuted portion related to the deposit withdrawal reservation.

S1108: The management / operation server 121 may receive the completion of the deposit refund process of S1107 and notify the end user 100 or the end user device 101 of the completion of the cancellation / refund process. This notification may be a notification on the registration screen, or may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification, or a communication means equivalent thereto.

S1109: When the approver 105 is set for this reservation, the management / operation server 121 receives the completion of the refund process of S1107 and notifies the approver 105 or the approver device 106 of the completion of the cancellation / refund process. You may. This notification may be a notification on the registration screen, or may be performed by one or a plurality of means from e-mail, SMS (Short Message Service), push notification, or a communication means equivalent thereto.

FIG. 11 illustrates the processing when the unwithdrawn balance remains after the withdrawal reservation period elapses with respect to the deposit withdrawal reservation, but the same processing applies when the end user 100 cancels the reserved withdrawal. Become. However, in this case, a series of reservation cancellation processes are executed triggered by the cancellation / cancellation operation by the end user 100.

In S1101 to S1109, a series of refund / cancellation processes is started / executed mainly by the management / operation server 121. However, this series of processes is performed by a server such as a deposit withdrawal bank server 161. It is also possible to take the initiative in executing it.

Regarding remittances associated with refunds from S1102 to S1106, remittances will be made for each individual reservation statement, but in order to reduce related fees, etc., remittances will be made in bulk, or actual remittances between banks will not be performed and management will be performed. It is also possible for the operating company 120, the deposit withdrawal bank 160, or the account holding bank 140 to execute the remittance in the transfer process between the holding accounts.

100 End User 101 End User Device 105 Approver 106 Approver Device 110, 130, 150, 170, 180 Network 120 Management / Operating Company 121 Management / Operating Server 122 Management / Operating Server Database 140 Account Holding Bank 141 Account Holding Bank Server 142 Account Holding Bank Server Database 160 Deposit Withdrawal Bank 161 Deposit Withdrawal Bank Server 162 Deposit Withdrawal Bank Server Database 190 ATM

Claims (15)

A system for withdrawal of deposits
Receive withdrawal reservation information including account information, amount information, withdrawal location information, date and time information, withdrawal method information related to withdrawal reservation,
The registration information associated with the withdrawal reservation information and the first authentication element associated with the withdrawal reservation information are stored.
It is determined whether the withdrawal based on the withdrawal reservation information can be executed by the system, and the withdrawal is determined.
If it is determined by the system that it is not feasible, the withdrawal consignment message associated with the withdrawal reservation information is transmitted to another system together with the first authentication element.
A system configured to transmit a registration completion notification for the withdrawal reservation to a user device together with the first authentication element in response to receiving a withdrawal preparation completion message for the withdrawal consignment message from the other system. Upon receiving a withdrawal instruction based on the first authentication factor, the second authentication factor, and the third authentication factor,
Determining whether the withdrawal instruction is consistent with the withdrawal reservation information,
The system according to claim 1, further configured to perform a withdrawal process based on the withdrawal instruction when the withdrawal instruction is consistent with the withdrawal reservation information. The first authentication element is any one of a one-time password, a one-time passcode, and a reservation number used at the time of withdrawal.
The second authentication factor is a cash card or smartphone app associated with the user.
The third authentication element is a personal identification number associated with the user.
The system according to claim 2. The system according to claim 2, wherein the withdrawal process is a cash withdrawal by an automated teller machine, a bank transfer, or a charge process for an application. A system for withdrawal of deposits
Receive withdrawal reservation information including account information, amount information, withdrawal location information, date and time information, withdrawal method information related to withdrawal reservation,
Stores temporary registration information associated with the drawer reservation information,
Sends approval request to an approver associated with the user,
In response to receiving a positive notification from the approver, the registration information associated with the withdrawal reservation information based on the provisional registration information is stored and the first authentication element associated with the withdrawal reservation is stored. Store and
It is determined whether the withdrawal based on the withdrawal reservation information can be executed by the system, and the withdrawal is determined.
If it is determined by the system that it is not feasible, the withdrawal consignment message associated with the withdrawal reservation information is transmitted to another system together with the first authentication element.
In response to receiving the withdrawal preparation completion message for the withdrawal consignment message from the other system, the registration completion notification for the withdrawal reservation is transmitted to the user device together with the first authentication element.
A system configured to. A system for withdrawal of deposits
Receives withdrawal reservation information associated with the user, including account information, amount information, withdrawal location information, date and time information, withdrawal method information regarding withdrawal reservations,
It is determined whether or not the withdrawal based on the withdrawal reservation information can be executed by the first server.
If it is determined by the first server that it is not feasible, a withdrawal instruction from the account based on the account information is transmitted to the first server, and a response notification based on the withdrawal instruction is sent to the first server. Received from the server
The withdrawal consignment message associated with the withdrawal reservation information is transmitted to the second server together with the first authentication element.
A system configured to send a registration completion notification for the withdrawal reservation to the user device together with the first authentication element in response to receiving the withdrawal preparation completion message for the withdrawal consignment message from the second server. .. 6. The withdrawal ready telegram is transmitted from the second server to the system in response to the one-time account for the withdrawal reservation being generated by the second server. system. In response to receiving the withdrawal reservation information
Sending an approval request to the approver associated with the user and
The system of claim 6, comprising determining whether a withdrawal based on the withdrawal reservation information is feasible by the first server in response to receiving a positive notification from the approver. .. Through the application of the user device, a reservation confirmation request including the information associated with the two-dimensional bar code provided by the automated teller machine and the user identification information is received.
Based on the information associated with the two-dimensional bar code and the user identification information, it is determined whether or not the reservation confirmation request is consistent with the withdrawal reservation information.
The system according to claim 6, further configured to transmit a confirmation result to the user apparatus when the reservation confirmation request is consistent with the withdrawal reservation information. It is further configured to receive the execution result of the withdrawal process from the second server.
The execution result of the withdrawal process is
The second server receives the first authentication factor and withdrawal information via an automated teller machine, and the withdrawal information includes information for identifying the withdrawal amount and withdrawal.
The second server, the first authentication element and the drawer information it is determined whether aligned with the drawer reservation information,
Generated by performing a withdrawal process when consistent,
The system according to claim 6. In response to the expiration of the withdrawal reservation reservation deadline, identify the withdrawal reservation for which there is an unwithdrawn balance in the one-time account for the withdrawal reservation.
Send the remittance instruction associated with the identified withdrawal reservation to the second server and
Upon receiving the notification that the remittance instruction is completed from the second server,
The system according to claim 10, wherein a refund processing completion notification based on the notification is transmitted to the user apparatus. The method performed by the system for withdrawal of deposits,
Receiving withdrawal reservation information including account information, amount information, withdrawal location information, date and time information, withdrawal method information regarding withdrawal reservation,
To store the registration information associated with the withdrawal reservation information and the first authentication element associated with the withdrawal reservation information.
Determining whether a withdrawal based on the withdrawal reservation information is feasible by the system
If it is determined by the system that it is not feasible, the withdrawal consignment message associated with the withdrawal reservation information is transmitted to another system together with the first authentication factor.
A method comprising transmitting a registration completion notification for the withdrawal reservation to a user device together with the first authentication element in response to receiving a withdrawal preparation completion message for the withdrawal consignment message from the other system. The method performed by the system for withdrawal of deposits,
Receiving withdrawal reservation information associated with the user, including account information, amount information, withdrawal location information, date and time information, withdrawal method information regarding withdrawal reservations,
Determining whether the withdrawal based on the withdrawal reservation information can be executed by the first server,
If it is determined by the first server that it is not feasible, a withdrawal instruction from the account based on the account information is transmitted to the first server, and a response notification based on the withdrawal instruction is sent to the first server. To receive from the server and
Sending the withdrawal consignment message associated with the withdrawal reservation information to the second server together with the first authentication element,
A method comprising transmitting a registration completion notification for the withdrawal reservation to a user device together with the first authentication element in response to receiving a withdrawal preparation completion message for the withdrawal consignment message from the second server. A program that causes a system related to deposit withdrawal to execute the method according to claim 12. A program that causes a system related to deposit withdrawal to execute the method according to claim 13.

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