JP7045301B2 - Cash delivery system and cash delivery method - Google Patents

Description

The present invention relates to a cash delivery system and a cash delivery method.

In modern society, currency exchanges are computerized, and for example, salaries for work are not directly handed over in cash, but are often transferred to financial institutions. In such a case, the user can obtain cash by withdrawing the deposit from the deposit account at the financial institution. In daily life, it is almost indispensable to get cash directly because it is often impossible to carry out commercial transactions without cash.

In this respect, in regions with low population density, there is a tendency that there are few financial institutions that can withdraw cash and ATMs. In such cases, it is convenient because the distance to the place where cash can be withdrawn is very long, or it is difficult for the elderly and the sick to move in the first place. Was having a problem.

In recent years, regarding such problems, a system has been proposed in which a deposit is withdrawn from one's own account at a financial institution and cash is delivered by registered mail at the request of telephone or the Internet (for example, a patent). See Document 1).

In such a system, for example, first, a cash delivery service operator accepts a cash delivery offer from a user who has been registered in the cash delivery service in advance by telephone or the Internet. The cash delivery service operator causes the financial institution to withdraw the funds for delivery from the user's deposit account. The withdrawn funds are deposited to the delivery fund pool account of the cash delivery operator opened in advance at the financial institution after a while.

Here, after this deposit processing, the financial institution notifies the post office of the offer of cash delivery by postal transfer. The post office withdraws the delivered funds notified from the delivery fund pool account, packs the cash, and delivers it to the user by registered mail. For example, with such a system, even a person who has difficulty in getting cash can get cash while staying at home or the like.

On the other hand, a solution by cashing out with a debit card is also being attempted. A debit card is a payment card linked to an account of a financial institution and is issued by the financial institution.

In a broad sense, cash out is to withdraw cash from an account contracted by a user at a financial institution at a cash register, etc. when purchasing at a retail store such as a supermarket, using a debit card. It is a service that can be done. It should be noted that such cash out has a narrow meaning only for the user to withdraw cash from an account contracted with a financial institution without purchasing at a cash register or the like.

Japanese Unexamined Patent Publication No. 2002-133125

However, in the conventional cash delivery system, in a business operator other than a financial institution, the time from when the funds for delivery are withdrawn from the user's deposit account to when the funds are deposited in the fund account of the cash delivery service operator. It took several days before the cash was actually delivered.

The present invention has been made in view of such a point, and an object of the present invention is to provide a cash delivery system capable of promptly delivering cash to a cash delivery user.

According to one aspect of the present invention, a cash delivery system including a first account management server, a reimbursement server, and an operation server is provided.
The first account management server has a cash-out determination unit that determines whether or not the user can cash out from the contracted first account, and a cash-out that remits the withdrawal amount from the cash-out from the first account. It has a remittance unit and a first account management server having.

The remittance server remits funds for cash delivery to a second account management server that has a remittance management department that receives cash out remittances and a second account that is used for withdrawals at the time of cash delivery. It has an account deposit department and.

The operation server consists of a request reception unit that accepts cash delivery requests, a cash-out inquiry unit that inquires of the cash-out judgment unit whether or not cash out is possible, a remittance remittance request unit that requests remittance remittance to the remittance server, and cash delivery means. When a cash delivery instruction unit that issues a cash delivery instruction and a cash delivery request are obtained from the request reception unit, the cash out judgment unit is inquired about whether or not cash out from the first account is possible, and cash out is possible. In a certain case, the advance remittance request unit has a control unit for requesting the advance remittance to the advance server, and the cash delivery instruction unit has a control unit for issuing a cash delivery instruction for cash withdrawn from the second account.

Further, according to one aspect of the present invention, it is determined whether or not the user can cash out from the contracted first account, and the withdrawal amount from the cash out from the first account is remitted to cash. A cash delivery method is provided in which funds for cash delivery are remitted to a second account used for withdrawal at the time of delivery and a cash delivery instruction is issued by cash delivery means.

According to the disclosed technology, cash can be quickly delivered to the user of the cash delivery system, and the convenience of the user can be improved.

It is a figure for demonstrating the cash delivery system of 1st Embodiment. It is a figure which shows an example of the cash-out cash delivery system in 2nd Embodiment. It is a figure which shows the hardware configuration example of the host computer of the settlement financial institution of the 2nd Embodiment. It is a figure which shows the hardware configuration example of the host computer of the reimbursement financial institution of the 2nd Embodiment. It is a figure which shows the hardware configuration example of the delivery service operation server of the 2nd Embodiment. It is a figure which shows the example of the business basic information data stored in the delivery service operation server of the 2nd Embodiment. It is a figure which shows the example of the customer information data stored in the delivery service operation server of the 2nd Embodiment. It is a figure (the 1) which shows the example of the transaction data stored in the delivery service operation server of the 2nd Embodiment. It is a figure (the 2) which shows the example of the transaction data stored in the delivery service operation server of the 2nd Embodiment. FIG. 3 is a diagram (No. 3) showing an example of transaction data stored in the delivery service operation server of the second embodiment. It is a figure which shows the hardware configuration example of the request personal computer of 2nd Embodiment. It is a flowchart of the main processing executed by the cash-out cash delivery system of the 2nd Embodiment. It is an example of a screen displayed on the request personal computer of the second embodiment, (A) is a top screen, and (B) is a diagram showing a login screen. It is a flowchart of the new registration process executed by the cash-out cash delivery system of the 2nd Embodiment. It is a screen example displayed on the request personal computer of the 2nd embodiment, (A) is a figure which shows the login ID / password registration screen, and (B) is the figure which shows the user information registration screen. It is a screen example displayed on the request personal computer of the 2nd Embodiment, (A) is the payment information registration screen, (B) is the figure which shows the recipient information registration screen. It is a flowchart of the registration content change process executed by the cash-out cash delivery system of the 2nd Embodiment. It is a screen example displayed on the request personal computer of the 2nd Embodiment, and is the figure which shows the registration information (user information) change screen. It is a screen example displayed on the request personal computer of the second embodiment, (A) is a registration information (payment information) change screen, and (B) is a registration information (recipient information) change screen. It is a figure which shows. It is a screen example displayed on the request personal computer of the 2nd embodiment, and is the figure which shows the registration information (settlement information) change screen which highlighted the error part. It is a flowchart of the transaction content inquiry processing of the 2nd Embodiment. It is an example of a screen displayed on the request personal computer of the second embodiment, (A) is a transaction list screen, and (B) is a diagram showing a transaction content detail screen. It is a flowchart of the delivery application processing of the 2nd Embodiment. It is a screen example displayed on the request personal computer of the second embodiment, (A) is a cash delivery request (account selection / delivery destination selection) screen, and (B) is a cash delivery request (delivery amount). Designation) It is a figure which shows the screen. It is an example of a screen displayed on the request personal computer of the second embodiment, and is the figure which shows the cash delivery request (correction) screen which highlighted the error part. It is a flowchart (the 1) of the delivery transaction processing of the 2nd Embodiment. It is a flowchart (the second) of the delivery transaction processing of the 2nd Embodiment. It is an example of a screen displayed on the request personal computer of the second embodiment, (A) is a transaction result notification (establishment) screen, and (B) is a diagram showing a transaction result notification (unsuccessful) screen. be. It is a flowchart of the advance procedure process of 2nd Embodiment. It is a sequence diagram of the replacement procedure processing of the second embodiment.

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, the cash delivery system 1 of the first embodiment will be described with reference to FIG. FIG. 1 is a diagram for explaining a cash delivery system according to the first embodiment.

The cash delivery system 1 has a first account management server 2 and a second account management server 2 that manages deposits and withdrawals between the first account contracted by the user and the second account used for withdrawal at the time of cash delivery. It has a remittance server 3 for remittance to the second account, a second account management server 5 for receiving remittance to the second account, and an operation server 4 for receiving cash delivery requests and issuing cash delivery instructions. The remittance is a remittance from the financial institution that performs the remittance to the second account, which is performed asynchronously with the withdrawal by cash out.

Further, the cash delivery system 1 is a system that receives a cash delivery request from a user and issues a cash delivery instruction for cash delivery to the user by cash out.
The first account management server 2 has a cash-out determination unit 2a for determining whether or not cash-out from the first account is possible, and a cash-out remittance unit 2b for remittance of the withdrawal amount due to cash out from the first account. Has.

The cash-out determination unit 2a determines whether or not cash-out from the first account of the financial institution is possible in response to the inquiry from the operation server 4. Here, the first account is an account of a financial institution with which the user has a contract in advance. Whether or not cash out is possible is determined when the balance of the first account is equal to or greater than the cash out possible amount, and when the balance of the first account is less than or equal to the cash out possible amount, the balance is determined. It is judged that it is possible within the range.

The cash-out remittance unit 2b remits the withdrawal amount due to cash-out from the first account to the advance server 3.
The advance server 3 has an account deposit unit 3a for remittance of funds for cash out to a second account.

Here, the second account is a pool account for cash delivery owned by a trader who operates the cash delivery system 1. The second account is used for cash delivery, and by accepting advance remittances from financial institutions, cash for cash delivery is secured and withdrawn before the withdrawal amount due to cash out is deposited. The second account is held in the second account management server 5.

The account deposit unit 3a transfers money to the second account in advance. The advance remittance is executed promptly upon receiving a request for the advance remittance from the operation server 4 when the first cash-out possibility is determined. As for the repayment for the advance remittance, the withdrawal from the cash out from the first account is directly deposited to the financial institution that made the advance remittance.
The operation server 4 has a request receiving unit 4a for accepting a cash delivery request, a cash out inquiry unit 4b for inquiring whether cash out is possible, a cash delivery instruction unit 4c for issuing a cash delivery instruction, and a remittance request for remittance. It has a unit 4d and a control unit 4e.

The request reception unit 4a receives a cash delivery request from the user. The request reception unit 4a may be, for example, a site on the Internet, which requires user registration in advance and may be a server provided by a system for receiving a cash delivery request. Such a request reception unit 4a accepts input of a user registration of a user and a cash delivery request by, for example, an Internet browser.

The cash-out inquiry unit 4b inquires of the cash-out determination unit 2a whether or not cash-out is possible. The cash-out inquiry unit 4b accepts whether or not cash-out is possible from the cash-out determination unit 2a as a result of the inquiry.

The advance remittance request unit 4d requests the advance remittance to the account deposit unit 3a of the advance server 3. The cash delivery instruction unit 4c issues a cash delivery instruction by a cash delivery means. The cash delivery means may be, for example, a service in which cash is withdrawn from a second account, cash is packed in registered mail, and the cash is shipped to the user.

When the control unit 4e obtains the cash delivery request from the request reception unit 4a, the cash out inquiry unit 4b determines whether or not the cash out from the first account can be made to the cash out determination unit 2a in response to the cash delivery request. Make an inquiry. Further, when cash out is possible, the control unit 4e causes the advance remittance request unit 4d to request the advance remittance to the advance server 3, and the cash delivery instruction unit 4c withdraws cash from the second account. Have them issue cash delivery instructions including.

Next, the flow until the cash delivery instruction is issued by the cash delivery system 1 will be described. First, the request receiving unit 4a of the operation server 4 accepts a cash delivery request including the cash delivery amount in association with the information of the first account. When the control unit 4e determines that the request reception unit 4a has accepted the cash delivery request, the control unit 4e inquires to the cash out inquiry unit 4b whether or not the cash out is possible, including the cash delivery amount and the information of the first account. Is sent to the cash-out determination unit 2a of the first account management server 2.

The cash-out determination unit 2a of the first account management server 2 determines whether or not cash-out is possible based on the received cash delivery amount and the information of the first account. Judgment of cash out is possible if the balance of the corresponding bank account in the information of the first account is equal to or more than the cash delivery amount, otherwise cash out is not possible. It becomes a judgment of. When the cash-out determination unit 2a has finished determining whether or not cash-out is possible, the cash-out determination unit 2a transmits the result to the cache-out inquiry unit 4b of the operation server 4.

When the cash-out inquiry unit 4b receives the determination that the cash-out is possible, the control unit 4e of the operation server 4 causes the advance remittance request unit 4d to transmit the advance remittance request to the account deposit unit 3a of the advance server 3. The account deposit unit 3a promptly deposits money from the financial institution to the second account by remittance. When the control unit 4e determines that the advance remittance has been deposited in the second account, the control unit 4e causes the cash delivery instruction unit 4c to issue a cash delivery instruction.

The second account management server 5 has an account deposit unit 5a that accepts cash out to the second account. The account deposit unit 5 receives the advance remittance from the advance server 3.
In the above-mentioned cash delivery system 1, when the cash-out determination unit 2a of the first account management server 2 determines that cash-out is possible from the first account, the advance remittance request unit 4d of the operation server 4 makes an advance. A request for remittance is made. Further, in the cash delivery system 1, when cash for cash delivery is quickly deposited in the second account by advance remittance, cash for cash delivery is quickly secured by advance remittance, so that the cash delivery instruction unit A cash delivery instruction will be issued from 4c.

For this reason, cash delivery instructions are also issued after it is confirmed that the withdrawal from the first account has been accepted by the financial institution's account procedure and the payment has been made to the second account by a cash delivery request such as online. Cash can be delivered more quickly than in the case where the cash is delivered, and the convenience of the user can be improved.

[Second Embodiment]
In the second embodiment, the case where the first embodiment is used in the cash-out cash delivery system 10 having a user, a delivery service operation center, and a financial institution will be described more specifically. First, the cash-out cash delivery system 10 of the second embodiment will be described with reference to FIG. FIG. 2 is a diagram showing an example of a cash-out cash delivery system according to the second embodiment. In addition, the cash out may be displayed as CO below.

The cash-out cash delivery system 10 of the second embodiment includes a host computer 20 of a financial institution in which the user has an account (hereinafter, payment financial institution) and a financial institution in which the delivery service provider has an account (hereinafter, delivery). It has a host computer 50 of a service provider financial institution), a host computer 30 of a replacement financial institution, a delivery service operation center 40, and a client 60. The client 60 and the delivery service operation center 40 are connected by a network 70. Further, the delivery service operation center 40 and the host computer 20 of the settlement financial institution are connected by a network 71. Further, the host computer 20 of the settlement financial institution, the host computer 50 of the delivery service provider financial institution, and the host computer 30 of the replacement financial institution are connected to each other by a network 72.

The host computer 20 of the clearing financial institution is installed in the financial institution with which the user has a contract, and performs processing related to cash out. Such a host computer 20 of a clearing financial institution is realized by sharing the equipment originally installed in the clearing financial institution as it is.

The host computer 30 of the reimbursement financial institution is installed in the reimbursement financial institution that performs the reimbursement transfer, and reimburses between the host computer 20 of the payment financial institution and the host computer 50 of the delivery service provider financial institution via the network 72. Communicates regarding the transfer of funds and the return of settlement funds. Such a host computer 30 of a financial institution can be realized by sharing the equipment originally installed in the clearing financial institution as it is.

The remittance financial institution has, for example, a special contract with a business operator that operates a delivery service operator, and the delivery service business designated by the delivery service operator in a short time from the request from the delivery service operator. Send money to the account used for the cash delivery service of the financial institution.

The delivery service operation center 40 has a delivery service operation server 40a that holds the linked database 40b, and a communication server 40c that communicates via the network 71. Further, the delivery service operation center 40 is an example of a configuration in which a cash delivery service is operated by cash out.

The delivery service operation server 40a is linked including transaction fee information, postage, user information, settlement CO (cash out) financial institution information, delivery destination information, cash delivery application information, CO settlement information, fund remittance information and delivery information. It holds the database 40b. Details of the information stored in the delivery service operation server 40a will be described later. Further, the delivery service operation server 40a communicates with the client 60. Such a delivery service operation server 40a is installed in, for example, a business operator that operates a delivery service for actually bagging cash for registered mail or delivering it to a post office.

The communication server 40c communicates with the host computer 20 of the payment financial institution via the network 71.
The host computer 50 of the delivery service provider financial institution is the host computer of the financial institution in which the delivery service provider has an account, and communicates with the host computer 30 of the replacement financial institution via the network 72. Such a host computer 50 of a delivery service provider financial institution is realized by sharing the equipment originally installed in the delivery service provider financial institution as it is.

Further, the delivery service provider financial institution may be a financial institution that operates an account of a post office that entrusts cash delivery.
The client 60 is composed of a personal computer 60a, and may be, for example, a smartphone, a mobile phone, or the like. Further, the client 60 is connected to the delivery service operation server 40a via the network 70, for example, via an Internet browser, and requests cash delivery.

Next, a hardware configuration example of the host computer 20 of the clearing financial institution will be described with reference to FIG. FIG. 3 is a diagram showing a hardware configuration example of a host computer of a clearing financial institution according to the second embodiment. The host computer 20 of the clearing financial institution includes a control unit 21, a display 22, and a keyboard 23.

The entire device of the control unit 21 is controlled by a CPU (Central Processing Unit) 21a. A RAM (Random Access Memory) 21b and a plurality of peripheral devices are connected to the CPU 21a via a bus 21g. The RAM 21b is used as the main storage device of the control unit 21. The RAM 21b stores an OS (Operating System) program to be executed by the CPU 21a and an application program for control. Further, the RAM 21b stores various data necessary for processing by the CPU 21a.

Peripheral devices connected to the bus 21g include an HDD (Hard Disk Drive) 21c, a communication interface 21d, a graphic control unit 21e, and an input interface 21f. The HDD 21c is used as an auxiliary storage device for the control unit 21. The OS program and the application program are stored in the HDD 21c. Further, various data necessary for processing by the CPU 21a are stored in the HDD 21c. As the auxiliary storage device, another type of non-volatile storage device such as SSD (Solid State Drive) can also be used.

A display 22 is connected to the graphic control unit 21e. The graphic control unit 21e causes the display 22 to display the image being processed according to the command from the CPU 21a. A keyboard 23 is connected to the input interface 21f. The input interface 21f transmits a signal transmitted from the keyboard 23 to the CPU 21a via the bus 21g.

The communication interface 21d is connected to the network 71 and the network 72, and transmits / receives data. With the hardware configuration as described above, the processing function of the host computer 20 of the settlement financial institution of the present embodiment can be realized.

Next, the hardware configuration of the host computer 30 of the replacement financial institution will be described with reference to FIG. FIG. 4 is a diagram showing a hardware configuration example of a host computer of a replacement financial institution according to the second embodiment. The host computer 30 of the financial institution is provided with a control unit 31, a display 32, and a keyboard 33.

The entire device of the control unit 31 is controlled by the CPU 31a. A RAM 31b and a plurality of peripheral devices are connected to the CPU 31a via a bus 31g. The RAM 31b is used as the main storage device of the control unit 31. The RAM 31b stores an OS program to be executed by the CPU 31a and an application program for control. Further, the RAM 31b stores various data necessary for processing by the CPU 31a.

Peripheral devices connected to the bus 31g include an HDD 31c, a communication interface 31d, a graphic control unit 31e, and an input interface 31f. The HDD 31c is used as an auxiliary storage device for the control unit 31. The OS program and the application program are stored in the HDD 31c. Further, the HDD 31c stores various data necessary for processing by the CPU 31a. As the auxiliary storage device, another type of non-volatile storage device such as SSD can also be used.

A display 32 is connected to the graphic control unit 31e. The graphic control unit 31e causes the display 32 to display the image being processed according to the command from the CPU 31a. A keyboard 33 is connected to the input interface 31f. The input interface 31f transmits a signal transmitted from the keyboard 33 to the CPU 31a via the bus 31g.

The communication interface 31d is connected to the network 72 and transmits / receives data. With the hardware configuration as described above, the processing function of the host computer 30 of the reimbursement financial institution of the present embodiment can be realized.

Next, the hardware configuration of the delivery service operation server will be described with reference to FIGS. 5 to 10. FIG. 5 is a diagram showing a hardware configuration example of the delivery service operation server according to the second embodiment. FIG. 6 is a diagram showing an example of business basic information data stored in the delivery service operation server of the second embodiment. FIG. 7 is a diagram showing an example of customer information data stored in the delivery service operation server of the second embodiment. 8 to 10 are diagrams showing an example of transaction data stored in the delivery service operation server of the second embodiment.

The delivery service operation server 40a includes a control unit 41, a display 42, and a keyboard 43. The entire device of the control unit 41 is controlled by the CPU 41a. A RAM 41b and a plurality of peripheral devices are connected to the CPU 41a via a bus 41g. The RAM 41b is used as the main storage device of the control unit 41.

The RAM 41b stores an OS program to be executed by the CPU 41a and an application program for control. Further, the RAM 41b stores various data necessary for processing by the CPU 41a. The various data required for processing are, for example, business basic data 81 as shown in FIG. 6, customer information data 82 as shown in FIG. 7, and transaction data 83 as shown in FIGS. 8 to 10.

The business basic data 81 includes general-purpose charge data referred to at the time of transactions of all users. Further, the basic business data 81 has information on transaction fees and postage charges. The transaction fee information has a fee for each category according to the amount of cash delivery. The postage has information on registered envelope charges, basic postage charges, cash registered charges, express delivery charges, guarantee charges, and delivery recording charges.

The customer information data 82 is data stored for each customer, includes data on the details of the registered customer, and can be changed according to the customer's request. Further, the customer information data 82 has user information, settlement CO (cash out) financial institution information, and delivery destination information. The user information includes ID, password, zip code, address, name, age, telephone number, emergency contact information, and E-mail address. The settlement CO financial institution information has information of a financial institution name, a branch number, an account number, and a name. The delivery address information includes information such as a zip code, an address, a recipient's name, and a telephone number. The settlement CO financial institution information can also have a plurality of financial institution information.

The transaction data 83 is data stored for each transaction. Further, the transaction data 83 has cash delivery application information, CO settlement information, fund remittance information, delivery information, and receipt information. The cash delivery application information includes information on the application date, reception number, user ID, user name, E-mail address, payment amount, breakdown, and delivery destination information.

Here, the cash delivery application information is about the breakdown of the delivery application, and includes information such as the delivery amount and the usage fee amount. The CO settlement information includes information on a financial institution name, a branch number, an account number, a name, a settlement amount, a transaction time, a serial number, a transaction result, and a fund settlement date. The fund remittance information includes information on the remittance request date, the remittance amount, the remittance date, the refund date, and the refund amount.

The delivery information includes information such as a zip code, an address, a recipient's name, a telephone number, a registered mail creation date, a registered mail delivery date, a reception number, a delivery record confirmation date, and a delivery completion mail transmission date. The delivery information can also have a plurality of delivery information. The receipt information includes information on the transaction date, receipt number, financial institution name, financial institution transaction number, account number, name, transaction amount, transaction details, shipping date, postal code, address, recipient name and telephone number.

Peripheral devices connected to the bus 41g include an HDD 41c, a communication interface 41d, a graphic control unit 41e, and an input interface 41f. The HDD 41c is used as an auxiliary storage device for the control unit 41. The OS program and the application program are stored in the HDD 41c. Further, the HDD 41c stores various data necessary for processing by the CPU 41a, basic business data 81, customer information data 82, and transaction data 83. As the auxiliary storage device, another type of non-volatile storage device such as SSD can also be used.

A display 42 is connected to the graphic control unit 41e. The graphic control unit 41e causes the display 42 to display the image being processed according to the command from the CPU 41a. A keyboard 43 is connected to the input interface 41f. The input interface 41f transmits a signal transmitted from the keyboard 43 to the CPU 41a via the bus 41g.

The communication interface 41d is connected to the network 70 and the network 71, and transmits / receives data. With the hardware configuration as described above, the processing function of the delivery service operation server 40a of the present embodiment can be realized. Further, the host computer 50 of the delivery service provider financial institution of the present embodiment can be realized by the same mechanism.

Next, the hardware configuration of the request personal computer 60a will be described with reference to FIG. FIG. 11 is a diagram showing a hardware configuration example of the requesting personal computer according to the second embodiment.

The request personal computer 60a includes a control unit 61, a display 62, and a keyboard 63.
The entire device of the control unit 61 is controlled by the CPU 61a. A RAM 61b and a plurality of peripheral devices are connected to the CPU 61a via a bus 61g. The RAM 61b is used as the main storage device of the control unit 61. The RAM 61b stores an OS program to be executed by the CPU 61a and an application program for control. Further, the RAM 61b stores various data necessary for processing by the CPU 61a.

Peripheral devices connected to the bus 61g include an HDD 61c, a communication interface 61d, a graphic processing device 61e, and an input interface 61f. The HDD 61c is used as an auxiliary storage device for the control unit 61. The OS program and application program are stored in the HDD 61c. Further, various data necessary for processing by the CPU 61a are stored in the HDD 61c. As the auxiliary storage device, another type of non-volatile storage device such as SSD can also be used.

A display 62 is connected to the graphic processing device 61e. The graphic processing device 61e causes the display 62 to display the image being processed according to the instruction from the CPU 61a. A keyboard 63 and a mouse 64 are connected to the input interface 61f. The input interface 61f transmits signals sent from the keyboard 63 and the mouse 64 to the CPU 61a via the bus 61g.

The communication interface 61d is connected to the network 70 and transmits / receives data. With the hardware configuration as described above, the processing function of the request personal computer 60a of the present embodiment can be realized.

Next, the main process executed by the cash-out cash delivery system 10 having the above configuration will be described with reference to FIGS. 12 and 13. The main process is the entire process of the cash-out cash delivery system 10, and is branched into a new registration process, a registration content change process, a transaction content inquiry process, and a delivery application process according to the process content. FIG. 12 is a flowchart of the main process executed by the cash-out cash delivery system of the second embodiment. 13A and 13B are screen examples displayed on the display of the requesting personal computer according to the second embodiment, in which FIG. 13A is a top screen and FIG. 13B is a login screen.

At the start of the main process, the requesting personal computer 60a is in a state of accepting the start of the application related to the cash delivery service by, for example, an Internet browser.

[Step S01] The control unit 61 of the requesting personal computer 60a causes the display 62 to display the top screen 101 as shown in FIG. 13 (A).
The top screen 101 has a delivery application button, a transaction content inquiry button, a registration content change button, a new registration button, and a close button. Each button is a screen area on the top screen, and when pressed by the keyboard 63 or the mouse 64, an input is received, which is omitted in the following description of the buttons.

[Step S02] The control unit 61 of the request personal computer 60a determines whether or not the start of new registration is selected by pressing the new registration button on the top screen 101 with the mouse 64. When the control unit 61 of the request personal computer 60a determines that the new registration button has been pressed, the next process proceeds to the new registration process. Further, when the control unit 61 of the request personal computer 60a determines that a button other than the new registration button has been pressed, the next process proceeds to step S03.

[Step S03] The control unit 61 of the request personal computer 60a causes the display 62 to display the login screen 102 as shown in FIG. 13 (B). The login screen 102 includes a login ID and a login password display, a cancel button, a back button, and a login button.

In the login ID field, the login ID input from the keyboard 43 is displayed on the right side of the login ID display. In the login password field, the login password entered from the keyboard 43 is displayed on the right side of the login password display. The entered login password may be displayed as * or the like to ensure security. Further, the previously input contents are stored on the right side of the login ID display and the login password display, and may be automatically input.

When the cancel button is pressed, the main process ends. When the back button is pressed, the screen transitions to the top screen 101. When the login button is pressed, authentication is performed using the entered login ID and login password. It is assumed that the request personal computer 60a continues the process when the login ID and the login password are input and the login button is pressed.

[Step S05] The control unit 61 of the requesting personal computer 60a determines whether or not the login ID and the login password entered in step S03 have been normally authenticated. The control unit 61 of the request personal computer 60a accepts the input of the login ID and the login password from the keyboard 63, and starts the authentication when the login button of the login screen 102 is pressed. The entered login ID and login password are authenticated by communicating with the delivery service operation center 40 and comparing with the contents of the ID and password included in the customer information data 82 held by the delivery service operation server 40a. To.

When the control unit 61 of the request personal computer 60a determines that the login ID and the password have been normally authenticated, the next process proceeds to step S06. Further, when the control unit 61 of the request personal computer 60a determines that the login ID and the password have not been normally authenticated, the next process returns to step S05.

[Step S06] The control unit 61 of the requesting personal computer 60a determines whether or not the registration content change button is pressed by the mouse 64 on the top screen 101 of step S02. When the control unit 61 of the request personal computer 60a determines that the registration content change button has been pressed, the next process proceeds to the registration content change process. Further, when the control unit 61 of the request personal computer 60a determines that the registration content change button has not been pressed, the next process proceeds to step S08.

[Step S08] The control unit 61 of the request personal computer 60a determines whether or not the transaction content inquiry button is pressed by the mouse 64 on the top screen 101 of step S02. When the control unit 61 of the request personal computer 60a determines that the transaction content inquiry button has been pressed, the next process proceeds to the transaction content inquiry process. Further, when the control unit 61 of the request personal computer 60a determines that the transaction content inquiry button has not been pressed, the next process proceeds to step S10.

[Step S10] The control unit 61 of the request personal computer 60a determines whether or not the delivery application button is pressed by the mouse 64 on the top screen 101 of step S02. When the control unit 61 of the request personal computer 60a determines that the delivery application button has been pressed, the next processing proceeds to the delivery application processing. When the control unit 61 of the request personal computer 60a determines that the delivery application button has not been pressed, the main process ends. The main processing executed by the cash-out cash delivery system 10 can be realized by the above configuration.

Next, the new registration process executed by the cash-out cash delivery system 10 branched from the main process will be described with reference to FIGS. 14 to 16. FIG. 14 is a flowchart of a new registration process executed by the cash-out cash delivery system of the second embodiment. 15A and 15B are screen examples displayed on the request personal computer of the second embodiment, FIG. 15A is a login ID / password registration screen, and FIG. 15B is a user information registration screen. It is a figure. 16A and 16B are screen examples displayed on the request personal computer of the second embodiment, FIG. 16A is a payment information registration screen, and FIG. 16B is a diagram showing a recipient information registration screen.

The new registration process is a process of branching from the main process, accepting inputs such as a name and an address, and accepting new registration of a person to be newly registered in the cash-out cash delivery system 10. However, in order to accept the fund registration of the newly registered person, it is necessary to apply for a bank account and register for cash out as a preliminary preparation.

At the start of the new registration process, the request personal computer 60a is in a state where the new registration button is pressed in step S02 of the main process.
[Step S21] The control unit 61 of the requesting personal computer 60a causes the display 62 to display the login ID / password registration screen 103 as shown in FIG. 15A. The ID / password registration screen 103 has a display of a desired login ID and a desired login password, a cancel button, and a login button.

On the right side of the desired login ID field, the desired login ID input to the user from the keyboard 63 is displayed. On the right side of the desired login password field, the desired login password entered by the user from the keyboard 63 is displayed. However, from the viewpoint of ensuring security, the input desired login password may be masked by * displayed according to the number of input characters.

When the login button is pressed, it is determined whether or not the entered desired login ID and desired login password can be used. When the cancel button is pressed, the new registration process ends.

[Step S22] The control unit 61 of the request personal computer 60a determines whether or not the input of the desired login ID and the desired login password is completed by pressing the login button. When the control unit 61 of the request personal computer 60a determines that the input is completed, the next process proceeds to step S23. Further, the control unit 61 of the request personal computer 60a waits until the login button is pressed.

[Step S23] The control unit 61 of the requesting personal computer 60a makes an inquiry to the delivery service operation server 40a, and determines whether or not the input desired login IDs are duplicated. If there is no user information ID of the customer information data 82 recorded in the linkage database 40b that corresponds to the entered desired login ID, it is determined that there is no duplication and the desired login ID can be used. Is.

When the control unit 61 of the request personal computer 60a determines that the input desired login IDs do not overlap, the next process proceeds to step S24. If the control unit 61 of the request personal computer 60a determines that the input desired login IDs are duplicated, the next process returns to step S21. In this case, the control unit 61 of the requesting personal computer causes the display 62 to display the blank ID / password registration screen 103 again. The desired password can be used even if the same password has already been registered in the customer information data 82.

[Step S24] The control unit 61 of the requesting personal computer 60a causes the display 62 to display the user information registration screen 104 as shown in FIG. 15B included in the registration item screen. The user information registration screen 104 has a display of <user information>, name, address, age, contact information, and e-mail address, a cancel button, and a next button.

In the <user information> field, the name is identified by being surrounded by a ruled line in the initial state, and when the Next button is pressed in this state, a screen for inputting a name (not shown) is displayed. When the input is completed, the user information registration screen 104 is displayed again, and then the address is surrounded by a ruled line and identified. When this operation is completed up to the input of the e-mail address, the input of the user information is completed, and the control unit 61 of the request personal computer 60a causes the display 62 to display the payment information registration screen 105 as shown in FIG. 16A. ..

The payment information registration screen 105 has a display of <payment information>, a financial institution name, a store number, a name and an account number, a cancel button, and a next button.
Since the <payment information> column operates in the same manner as the <user information> column of the user information registration screen 104, the description thereof will be omitted. Since the operation of the cancel button and the next button is the same as that of the cancel button and the next button on the user information registration screen 104, the description thereof will be omitted.

When this procedure is completed up to the input of the account number, the input of the payment information is completed, and the control unit 61 of the request personal computer 60a displays on the display 62 the recipient as shown in FIG. 16B included in the registration item screen. The information registration screen 106 is displayed.

The recipient information registration screen 106 has a display of <recipient information>, recipient information / delivery address, zip code, address, telephone number, and recipient name, a cancel button, and a next button.
Since the <recipient information> column operates in the same manner as the <user information> column of the user information registration screen 104, the description thereof will be omitted. Since the operation of the cancel button and the next button is the same as that of the cancel button and the next button on the user information registration screen 104, the description thereof will be omitted. When this procedure is completed up to the input of the recipient name, the input acceptance of the recipient information is completed.

[Step S25] When the control unit 61 of the request personal computer 60a determines whether the input acceptance of the recipient information is completed, the next process proceeds to step S26. Further, the control unit 61 of the request personal computer 60a waits until the input acceptance of the recipient information is completed.

[Step S26] The control unit 61 of the requesting personal computer 60a determines whether the input content is appropriate based on the input determination criteria for each item (not shown). For example, in the contact information item of the user information on the user information registration screen 104, it is determined as one of the criteria that the input content is appropriate when it starts with any area code.

When the control unit 61 of the request personal computer 60a determines that the input content is appropriate, the next process proceeds to step S27. If the control unit 61 of the request personal computer 60a determines that the input content is not valid, the next process returns to step S24. In this case, the control unit 61 of the request personal computer 60a displays the user information registration screen 104 again, and after selecting the Next button, displays the input screen of the input name (not shown) again and prompts the correction. Further, at this time, the control unit 61 of the requesting personal computer 60a may display to emphasize which point has a problem.

[Step S27] The control unit 61 of the request personal computer 60a updates the customer information data 82. The control unit 61 of the request personal computer 60a transmits information including the input desired login ID, desired password, user information, payment information, and recipient information to the delivery service operation server 40a of the delivery service operation center 40. The delivery service operation server 40a of the delivery service operation center 40 registers the received desired login ID, desired login password, user information, payment information, and recipient information in the linkage database 40b. Further, the delivery service operation server 40a registers the desired login ID as an ID and the desired password as a password in the user information of the customer information data 82, and registers the user information in the customer information data 82 as each item. The delivery service operation server 40a registers the payment information as the payment CO financial institution information of the customer information data 82, and registers the recipient information as the delivery destination information of the customer information data 82. The new registration process executed by the cash-out cash delivery system 10 branched from the main process can be realized by the above configuration.

Next, the registration content change process executed by the cash-out cash delivery system 10 branched from the main process will be described with reference to FIGS. 17 to 20. FIG. 17 is a flowchart of the registration content change process executed by the cash-out cash delivery system of the second embodiment. FIG. 18 is a screen example displayed on the request personal computer of the second embodiment, and is a diagram showing a registration information (user information) change screen. FIG. 19 is a screen example displayed on the request personal computer of the second embodiment, (A) is a registration information (payment information) change screen, and (B) is registration information (recipient information). ) It is a figure which shows the change screen. FIG. 20 is a screen example displayed on the request personal computer of the second embodiment, and is a diagram showing a registration information (payment information) change screen in which an error portion is highlighted.

The registration content change process branches off from the main process and accepts changes in the user's name, address, etc. However, the user needs to be registered in the cash-out cash delivery system 10 in advance. At the start of the registration content change process, the request personal computer 60a is in a state where the registration content change button is pressed in step S06 of the main process.

[Step S31] The control unit 61 of the request personal computer 60a refers to the customer information data 82 included in the cooperation database 40b held in the delivery service operation server 40a of the delivery service operation center 40.

[Step S32] The control unit 61 of the requesting personal computer 60a causes the display 62 to display the registration information (user information) change screen 107 as shown in FIG. 18 included in the registration content screen. The registration information (user information) change screen 107 has a display of <current user information>, name, age, contact information, login ID, password, and e-mail address inside the left frame. The registration information (user information) change screen 107 has a display of <change part input>, name, age, contact information, login ID, password, and e-mail address inside the right frame. Further, the registration information (user information) change screen 107 has a cancel button and a next button.

The display of the name, age, contact information, login ID, password, and e-mail address of <current user information> or <changed partial input> is changed by pressing the mouse 64, for example. When the item on the <current user information> side is selected, the display screen of the current registration information (not shown) is displayed, and when the item on the <change part input> side is selected, the change part not shown is input. The screen is displayed. After the operation on the current registration information display screen or the input screen of the changed part, the process returns to the registration information (user information) change screen 107.

When the cancel button is pressed, the registration content change process ends and the process returns to the main process. When the Next button is pressed, the display transitions to the registration information (payment information) change screen 108 as shown in FIG. 19 (A).

The control unit 61 of the request personal computer 60a detects that the next button is pressed, and causes the display 62 to display the registration information (payment information) change screen 108 included in the registration content screen.

The registration information (payment information) change screen 108 has a display of <current payment information>, financial institution name, store number, name, and account number inside the left frame. The registration information (settlement information) change screen 108 has a <change partial input>, a financial institution name, a store number, a name, and an account number displayed inside the right frame. Further, the registration information (payment information) change screen 108 has a cancel button, a back button, and a next button.

The point of transitioning to each screen not shown by selecting the items in the <Current payment information> and <Change partial input> frames is the same as the registration information (user information) change screen 107, so an explanation will be given. Omit. Since the operation of the cancel button is the same as the registration information (user information) change screen 107, the description thereof will be omitted.

When the back button is pressed, the screen transitions to the registration information (user information) change screen 107, which is the previous screen. When the Next button is pressed, the display transitions to the registration information (recipient information) change screen 109 as shown in FIG. 19 (B).

The control unit 61 of the request personal computer 60a detects that the next button is pressed, and displays the registration information (recipient information) change screen 109 on the display 62.
The registration information (recipient information) change screen 109 has a display of <current recipient information>, recipient information / delivery address, zip code, address, telephone number, and recipient name inside the left frame. The registration information (recipient information) change screen 109 has a display of recipient information / delivery address, zip code, address, telephone number, and recipient name inside the right frame. Further, the registration information (recipient information) change screen 109 has a cancel button, a back button, and an end button.

The point of transitioning to each screen (not shown) by selecting the items in the frames of <Current recipient information> and <Change partial input> is explained because it is the same as the registration information (user information) change screen 107. Is omitted. Since the operation of the cancel button is the same as the registration information (user information) change screen 107, the description thereof will be omitted. When the back button is pressed, the display is changed to the registration information (payment information) change screen 108, which is the previous screen.

[Step S33] The control unit 61 of the request personal computer 60a determines whether or not the end button has been pressed on the registration information (user information) change screen 107. When the control unit 61 of the request personal computer 60a determines that the end button has been pressed, the next process proceeds to step S34. Further, the control unit 61 of the request personal computer 60a waits until the end button is pressed.

[Step S34] The control unit 61 of the requesting personal computer 60a determines whether or not the input content of the <changed partial input> in step S32 is appropriate. For example, if the age is selected in the <Change partial input> of the registration information (user information) change, one of the criteria is whether the content entered on the transition destination screen is from 10 to 100 years old. Judgment as.

When the control unit 61 of the request personal computer 60a determines that the input content is appropriate, the next process proceeds to step S36. Further, when the control unit 61 of the request personal computer 60a determines that the input content is not appropriate, the next process proceeds to step S35.

[Step S35] The control unit 61 of the request personal computer 60a is not appropriate in step S34 of the registration information (user information) change screen, the registration information (payment information) change screen, and the registration information (recipient information) change screen. The determined portion is highlighted, for example, as in the registration information (settlement information) change screen 108a in which the error portion shown in FIG. 20 is highlighted.

After that, the highlighting of the registration information (user information) change screen, registration information (payment information) change screen, and registration information (recipient information) change screen shall not be canceled until the end button is pressed again. The registration information (payment information) change screen 108a highlighting the error location shows the case where the input of the store number and the account number of <change partial input> is not appropriate, and the store number and the account number are highlighted in bold. It is displayed.

[Step S36] The control unit 61 of the request personal computer 60a updates the customer information data 82 stored in the linkage database 40b of the delivery service operation server 40a of the delivery service operation center 40 according to the input changes. The registration content change process executed by the cash-out cash delivery system 10 branched from the main process can be realized by the above configuration.

Next, the transaction content inquiry process executed by the cash-out cash delivery system 10 branched from the main process will be described with reference to FIGS. 21 to 22. FIG. 21 is a flowchart of the transaction content inquiry process of the second embodiment. 22A and 22B are screen examples displayed on the request personal computer of the second embodiment, FIG. 22A is a transaction list screen, and FIG. 22B is a diagram showing a transaction content detail screen.

The transaction content inquiry process branches from the main process and displays the history of cash deliveries by cash outs currently accepted. At the start of the transaction content inquiry process, the request personal computer 60a is in a state where the transaction content inquiry button is pressed in step S08 of the main process.

[Step S41] The control unit 61 of the request personal computer 60a refers to the transaction data 83 included in the linkage database 40b held in the delivery service operation server 40a of the delivery service operation center 40.

[Step S42] The control unit 61 of the request personal computer 60a displays the transaction list screen 110 as shown in FIG. 22A on the display 62. The transaction list screen 110 has an application date, a reception number, a selection field display, a cancel button, and a next button.

In the items of application date and reception number, the application date for each transaction of the cash delivery request and the reception number uniquely assigned to the entire system for each cash delivery request are displayed. When the selection field is pressed with the mouse 64, it is selected as a transaction target for subsequent operations.

When the cancel button is pressed, the transaction content inquiry process ends. When the Next button is pressed, the display transitions to the transaction content detail screen 111 as shown in FIG. 22 (B).
[Step S43] The control unit 61 of the request personal computer 60a determines whether or not any transaction has been selected by checking the selection column on the transaction list screen 110 and pressing the Next button. When the control unit 61 of the request personal computer 60a determines that the transaction has been selected, the next process proceeds to step S44. Further, the control unit 61 of the request personal computer 60a waits for the transaction to be selected.

[Step S44] The control unit 61 of the request personal computer 60a refers to the cash delivery application information of the transaction data 83 included in the linkage database 40b held in the delivery service operation server 40a of the delivery service operation center 40.

[Step S45] The control unit 61 of the request personal computer 60a displays the transaction content detail screen 111 as shown in FIG. 22B on the display 62. The transaction content detail screen 111 displays the category of the displayed information and the content of each category of the displayed information.

The transaction details screen 111 displays the application date, reception number, user ID, user name, E-mail address, payment amount, breakdown, and delivery destination information as categories. Further, the transaction content detail screen 111 has a back button and an end button. When the end button is pressed, the transaction content inquiry process is terminated and the process returns to the main process. When the back button is pressed, the display transitions to the transaction list screen 110, which is the previous screen.

[Step S46] The control unit 61 of the request personal computer 60a determines whether or not the back button is pressed on the transaction content detail screen 111. When the control unit 61 of the request personal computer 60a determines that the return button has been pressed, the next process returns to step S42. Further, when the control unit 61 of the request personal computer 60a determines that the return button has not been pressed, the next process proceeds to step S47.

[Step S47] The control unit 61 of the request personal computer 60a determines whether or not the end button is pressed on the transaction content detail screen 111. When the control unit 61 of the request personal computer 60a determines that the end button has been pressed, the transaction content inquiry process ends and returns to the main process. Further, the control unit 61 of the request personal computer 60a waits for the end button to be pressed. The transaction content inquiry process executed by the cash-out cash delivery system 10 branched from the main process can be realized by the above configuration.

Next, the delivery application process executed by the cash-out cash delivery system 10 branched from the main process will be described with reference to FIGS. 23 to 25. FIG. 23 is a flowchart of the delivery application process of the second embodiment. FIG. 24 is a screen example displayed on the request personal computer of the second embodiment, (A) is a cash delivery request (account selection / delivery destination selection) screen, and (B) is cash delivery. It is a figure which shows the request (delivery amount designation) screen. FIG. 25 is a screen example displayed on the request personal computer of the second embodiment, and is a diagram showing a cash delivery request (correction) screen in which an error portion is highlighted.

The delivery application process is a process of branching from the main process and accepting a cash delivery request. At the start of the transaction content inquiry process, the request personal computer 60a is in a state where the delivery application process button is pressed in step S10 of the main process.

[Step S51] The control unit 61 of the request personal computer 60a causes the display 62 to display the cash delivery request (account selection / delivery destination selection) screen 112 included in the application screen as shown in FIG. 24 (A). The cash delivery request (account selection / delivery destination selection) screen 112 is 1. Select from the list of financial institutions and 2. It has a display of selection from the delivery list. Further, the cash delivery request (account selection / delivery destination selection) screen 112 has a cancel button and a next button.

1. 1. The display of selection from the financial institution list is surrounded by a ruled line and is in the selected state when the cash delivery request (account selection / delivery destination selection) screen 112 is first displayed. When the Next button is pressed by the mouse 64 in this state, the display transitions to a financial institution list display screen (not shown). The financial institution list display screen displays a list of representative financial institutions, and the financial institution is selected by pressing the mouse 64, and the display is an application as shown in FIG. 24 (B), for example. Transition to the cash delivery request (delivery amount designation) screen 113 included in the screen.

On the other hand, cash delivery request (account selection / delivery destination selection) screen 112 2. The display of selection from the delivery list changes to the selected state by being selected by the mouse 64. At this time, 1. The ruled line surrounding the display of selection from the financial institution list is 2. Go to the delivery list view. 2. 2. When the next button is pressed with the mouse 64 while the delivery list display is in the selected state, the display transitions to the delivery list selection screen (not shown). The delivery list selection screen displays the cash delivery history by cash out so far, the financial institution is selected by the mouse 64, and the display is included in the application screen as shown in FIG. 24 (B), for example. Transition to the cash delivery request (delivery amount designation) screen 113.

The cash delivery request (delivery amount designation) screen 113 has a display of a financial institution name, a store number, a branch name, an account number, and a remittance amount. Further, the cash delivery request (delivery amount designation) screen 113 has a cancel button, a back button, and a next button.

On the right side of the display of the financial institution name, the store number, the branch name, and the account number, the contents of the input accepted on the financial institution list display screen or the delivery list selection screen are displayed. In the field for displaying the remittance amount, you can specify the cash delivery amount by the desired cash out by entering a number on the right side.

When the cancel button is pressed, the delivery application process ends and the process returns to the main process. When the back button is pressed, the display changes to the cash delivery request (account selection / delivery destination selection) screen 112. When the Next button is pressed, the entered remittance amount is confirmed.

[Step S52] The control unit 61 of the request personal computer 60a determines whether or not the Next button is pressed on the cash delivery request (delivery amount designation) screen 113 in step S51. When the control unit 61 of the request personal computer 60a determines that the next button has been pressed, the next process proceeds to step S53. Further, the control unit 61 of the request personal computer 60a waits until the next button is pressed.

[Step S53] The control unit 61 of the requesting personal computer 60a determines whether or not the input content of step S51 is appropriate. In the determination in step S53, for example, the case where the selected store number is different and the case where characters or the like are included in the input remittance amount field are regarded as one of the determinations, and only a simple determination is made. conduct.

When the control unit 61 of the request personal computer 60a determines that the input content is appropriate, the next process proceeds to step S55. Further, when the control unit 61 of the request personal computer 60a determines that the input content is not valid, the next process proceeds to step S54.

[Step S54] The control unit 61 of the request personal computer 60a highlights the error portion on the display 62, for example, as in the cash delivery request (correction) screen 113a included in the application screen as shown in FIG. 25.

The cash delivery request (correction) screen 113a is an update of a part of the cash delivery request (delivery amount specification) screen 113, and the field on the right side of the display of the store number which is the error location and the field on the right side of the remittance amount. Is highlighted in bold. The highlighted portion can be corrected and input from the keyboard 63 by selecting it with the mouse 64. The operation of the other cash delivery request (correction) screen 113a is the same as that of the cash delivery request (delivery amount designation) screen 113.

[Step S55] The control unit 61 of the request personal computer 60a refers to the transaction data 83 included in the linkage database 40b held in the delivery service operation server 40a of the delivery service operation center 40. Further, when the control unit 61 of the request personal computer 60a refers to the transaction data 83, the next processing proceeds to the delivery transaction processing. The delivery application process executed by the cash-out cash delivery system 10 branched from the main process can be realized by the above configuration.

Next, the delivery transaction processing executed by the cash-out cash delivery system 10 branched from the delivery application processing will be described with reference to FIGS. 26 to 28. 26 and 27 are flowcharts of delivery transaction processing according to the second embodiment. FIG. 28 is a screen example displayed on the request personal computer of the second embodiment, (A) is a transaction result notification (established) screen, and (B) is a transaction result notification (unestablished) screen. It is a figure which shows.

The delivery service operation server is located between the client and the settlement financial institution, creates a telegram according to the processing, and communicates with both parties.
The delivery transaction processing branches from the delivery application processing, accepts the CO (cash out) PIN from the user, and is a cash delivery service based on the cash out entered for the account specified in the delivery application processing. It is determined whether or not the amount of money is CO-capable, and the determination result is displayed. If CO is possible, it branches to the replacement procedure processing. At the start of the transaction content inquiry process, the request personal computer 60a is in a state after step S55 of the delivery application process.

[Step S61] The control unit 61 of the request personal computer 60a refers to the transaction data 83 included in the linkage database 40b held in the delivery service operation server 40a of the delivery service operation center 40.

[Step S62] The control unit 61 of the request personal computer 60a acquires the CO settlement information included in the transaction data 83. The CO payment information includes a financial institution name, a branch name, and an account number.

[Step S63] The control unit 61 of the request personal computer 60a creates a CO settlement message. Further, the control unit 61 of the request personal computer 60a transmits a CO settlement message to the host computer 20 of the settlement financial institution via the network 71. Upon receiving the CO payment message, the host computer 20 of the payment financial institution sends a request for a password to the request personal computer 60a.

[Step S64] The control unit 61 of the request personal computer 60a receives the request for the personal identification number from the host computer 20 of the settlement financial institution, and displays the personal identification number input screen (not shown) on the display 62. The password input screen is a screen for accepting the input of the password from the keyboard 63.

[Step S65] The control unit 61 of the requesting personal computer 60a determines whether or not the input of the personal identification number is completed on the personal identification number input screen (not shown). When the control unit 61 of the request personal computer 60a determines that the input of the personal identification number is completed, the next process proceeds to step S66. Further, the control unit 61 of the request personal computer 60a waits for the input of the personal identification number to be completed.

[Step S66] The control unit 61 of the request personal computer 60a transmits the input personal identification number to the host computer 20 of the settlement financial institution. When the host computer 20 of the settlement financial institution receives the password input from the request personal computer 60a, if the password is correct, the host computer 20 returns the password OK to the request personal computer 60a.

Further, the host computer 20 of the clearing financial institution does not return the password OK to the request personal computer 60a if the password application is incorrect. Note that this PIN is a PIN used for cash out and is different from the login password set in the cash out cash delivery service.

[Step S67] The control unit 61 of the request personal computer 60a determines whether or not the password is OK from the host computer 20 of the settlement financial institution. When the control unit 61 of the request personal computer 60a receives the password OK, the next process proceeds to step S68. Further, when the control unit 61 of the request personal computer 60a determines that the password OK has not been received even after a certain period of time has elapsed, the next process returns to step S63.

[Step S68] The control unit 61 of the request personal computer 60a creates a CO settlement message and transmits it to the host computer 20 of the settlement financial institution. When the host computer 20 of the settlement financial institution receives the CO settlement message from the request personal computer 60a, it returns the transaction result information to the request personal computer 60a.

[Step S69] The control unit 61 of the request personal computer 60a determines whether or not the transaction result information has been received from the host computer 20 of the settlement financial institution. When it is determined that the control unit 61 of the request personal computer 60a has received the transaction result information, the next process proceeds to step S70. Further, the control unit 61 of the request personal computer 60a waits until the transaction result information is received. The transaction result information includes information on whether or not the CO processing has been completed normally.

For example, if the balance of the account specified in the delivery application processing is insufficient for the amount of the cash delivery service by the entered cash out, the transaction result information indicates that the cash out was not established. Contains information about.

[Step S70] The control unit 61 of the request personal computer 60a determines whether or not the transaction has been completed normally. Whether or not the transaction is completed normally is determined by the establishment or failure of the cash out included in the transaction result information.

When the control unit 61 of the request personal computer 60a determines that the transaction has been completed normally, the next process proceeds to step S72. Further, when the control unit 61 of the request personal computer 60a determines that the transaction has not been completed normally, the next process proceeds to step S71.

[Step S71] The control unit 61 of the request personal computer 60a updates the CO settlement information of the transaction data 83 included in the linkage database 40b of the delivery service operation server 40a of the delivery service operation center 40 with the contents of the transaction result information. do. The CO settlement information includes information such as transaction results, financial institution names, branch information, settlement amounts, transaction times and transaction amounts. The transaction result data will be unsuccessful.

[Step S72] The control unit 61 of the request personal computer 60a normally updates the CO settlement information of the transaction data 83 included in the linkage database 40b of the delivery service operation server 40a of the delivery service operation center 40 with the contents of the transaction result information. do. The CO settlement information includes information such as transaction results, financial institution names, branch information, settlement amounts, transaction times and transaction amounts. The transaction result data is established.

[Step S73] The control unit 61 of the request personal computer 60a displays the transaction result notification (establishment) screen 114 as shown in FIG. 28A on the display 62.
The transaction result notification (establishment) screen 114 has a display including a statement that the transaction has been completed, a receipt number, a withdrawal amount, a cash delivery, and a transaction receipt enclosed in cash registered mail. Further, the transaction result notification (establishment) screen 114 has an end button. When the end button is pressed, the next process proceeds to the advance procedure process.

[Step S74] The control unit 61 of the request personal computer 60a displays the transaction result notification (unsuccessful) screen 115 on the display 62 as shown in FIG. 28 (B).
The transaction result notification (unsuccessful) screen 115 has a text indicating that the transaction could not be completed, the content of the transaction, and the procedure to be started again, and an end button. When the end button is pressed, the delivery transaction process is terminated and the process returns to the delivery application process. The delivery transaction processing executed by the cash-out cash delivery system 10 branched from the delivery application processing can be realized by the above configuration.

Next, the advance procedure process executed by the cash-out cash delivery system 10 branched from the delivery transaction process will be described with reference to FIGS. 29 and 30. FIG. 29 is a flowchart of the replacement procedure processing of the second embodiment. FIG. 30 is a sequence diagram of the replacement procedure processing of the second embodiment.

The advance procedure processing is branched from the delivery transaction processing, and the delivery service operation server 40a of the delivery service operation center 40 refers to the transaction data 83 of the linkage database 40b, and the transaction data item is established. This is a process of requesting the host computer 30 of the replacement financial institution to transfer the cash used for cash delivery to the account of the cash delivery service provider.

Although it includes the process of creating cash registered mail, which actually packs cash into registered mail and ships it, the explanation is omitted because it has little relation to this case. At the start of the advance procedure processing, it is a state after step S73 of the delivery transaction processing.

[Step S81] The control unit 41 of the delivery service operation center 40 creates a loan request.
[Step S82] The control unit 41 of the delivery service operation center 40 transmits the loan request to the host computer 30 of the replacement financial institution. The loan request refers to the sequence of transmission of the advance remittance request telegram of FIG.

[Step S83] The control unit 41 of the delivery service operation center 40 updates the transaction data 83 of the cooperation database 40b of the delivery service operation server 40a. The host computer 30 of the replacement financial institution determines whether or not to approve the loan request, and transmits the loan request result to the host computer 50 of the delivery service provider financial institution. The case where the host computer 30 of the reimbursement financial institution approves the loan request corresponds to the remittance sequence of FIG. 30.

[Step S84] The control unit 41 of the delivery service operation center 40 determines whether or not the loan request result has been approved. When the host computer 50 of the delivery service provider financial institution determines that the loan request result has been approved, the next process proceeds to step S85. Further, when the host computer 50 of the delivery service provider financial institution determines that the loan request result is not approved, the host computer 50 sends a notification to the delivery service operation center 40, and the advance procedure processing is completed. When the loan request result is approved, it corresponds to the deposit sequence shown in FIG.

[Step S85] The control unit 41 of the delivery service operation center 40 updates the transaction data 83 of the linked database 40b of the delivery service operation server 40a, and proceeds to the cash registered mail creation process. The advance procedure processing executed by the cash-out cash delivery system 10 branching from the delivery transaction processing can be realized by the above configuration.

In the cash-out cash delivery system 10, when a request for cash delivery by cash-out is transmitted from the client 60, the delivery service operation center 40 receives it. The delivery service operation center 40 adds account information and inquires to the host computer 20 of the settlement financial institution whether or not the input cash delivery request amount can be cashed out. The host computer 20 of the clearing financial institution determines whether or not the requested amount of cash delivery can be cashed out in the account linked to the account information received from the delivery service operation center 40, and determines whether the cash out is possible or not, and the delivery service operation center 40. Send to. When the delivery service operation center 40 receives that cash out is possible, it transmits to the client 60 that cash delivery is possible, and accepts the cash delivery request. When the delivery service operation center 40 receives the cash delivery request, the delivery service operation center 40 transmits the advance remittance request of the cash delivery request amount to the host computer 30 of the advance financial institution. The host computer 30 of the reimbursement financial institution immediately remits the remittance to the bank account of the cash delivery service provider. When the delivery service operation center 40 confirms the advance remittance, it confirms the information necessary for cash delivery and gives an instruction to the client to perform cash delivery.

For this reason, in the past, when cash was operated by a company other than a financial institution, cash delivery was not possible until cash was transferred to the bank account of the delivery service provider. Since it is possible to secure cash, it is possible to deliver cash in a minimum of one day.

As a result, cash can be quickly delivered to the user of the cash delivery system, and the convenience of the user can be improved.

1 Cash delivery system 2 1st account management server 2a Cash out judgment unit 2b Cash out remittance unit 3 Reimbursement server 3a Account deposit unit 4 Operation server 4a Request reception unit 4b Cash out inquiry unit 4c Cash out remittance unit 4d Reimbursement remittance request unit 4e Control unit 5 Second account management server 5a Account deposit unit 10 Cash out cash delivery system 20 Host computer of payment financial institution 21 Control unit 21a CPU
21b RAM
21c HDD
21d Communication interface 21e Graphic control unit 21f Input interface 21g Bus 22 Display 23 Keyboard 30 Host computer of a financial institution 31 Control unit 31a CPU
31b RAM
31c HDD
31d Communication interface 31e Graphic control unit 31f Input interface 31g Bus 32 Display 33 Keyboard 40 Delivery service operation center 40a Delivery service operation server 40b Linkage database 40c Communication server 41 Control unit 41a CPU
41b RAM
41c HDD
41d Communication interface 41e Graphic control unit 41f Input interface 41g Bus 42 Display 43 Keyboard 50 Delivery service provider Financial institution host computer 60 Client 60a Request PC 61 Control unit 61a CPU
61b RAM
61c HDD
61d Communication interface 61e Graphic processing device 61f Input interface 61g Bus 62 Display 63 Keyboard 64 Mouse 70 Network 71 Network 72 Network 81 Business basic data 82 Customer information data 83 Transaction data 101 Top screen 102 Login screen 103 Login ID / password registration screen 104 Person information registration screen 105 Payment information registration screen 106 Recipient information registration screen 107 Registration information (user information) change screen 108 Registration information (payment information) change screen 108a Registration information (payment information) change screen 109 Registration information (recipient information) ) Change screen 110 Transaction list screen 111 Transaction details screen 112 Cash delivery request (account selection / delivery destination selection) screen 113 Cash delivery request (delivery amount specification) screen 113a Cash delivery request (correction) screen 114 Transaction result notification (established) Screen 115 Transaction result notification (unsuccessful) screen

Claims (6)

A cash-out determination unit that determines whether or not cash-out is possible from the first account for which the user has a contract,
The cash-out remittance department that remits the withdrawal amount from the cash-out from the first account,
The first account management server that has
With the advance money management department that receives the remittance of the cash out,
A second account management server that has
An account deposit department that remits funds for cash delivery to the second account used for withdrawal at the time of cash delivery,
With a replacement server that has
The request reception department that accepts cash delivery requests and
A cash-out inquiry unit that inquires the cash-out determination unit of whether or not cash-out is possible,
The advance remittance request unit that requests the advance remittance to the advance server,
A cash delivery instruction unit that issues cash delivery instructions by cash delivery means,
When the cash delivery request is obtained from the request receiving unit, the cash out determination unit is inquired about whether or not the cash out from the first account is possible, and when the cash out is possible, the remittance is made. A control unit that causes the remittance request unit to request the advance remittance from the advance server, and causes the cash delivery instruction unit to issue the cash delivery instruction for cash withdrawn from the second account.
With the operation server that has
Has a cash delivery system. The cash delivery system according to claim 1, wherein the second account is withdrawn according to the cash delivery instruction when the advance remittance from the account deposit unit is deposited. The cash according to claim 1, further comprising an input receiving unit for accepting input of the cash delivery request, a request transmitting unit for transmitting the cash delivery request to the operation server, and a terminal device for requesting cash delivery. Delivery system. The cash delivery system according to claim 1, wherein the cash delivery means is registered mail. The production server
First account management that, when a cash delivery request is obtained , determines whether or not the user can cash out from the contracted first account , and remits the withdrawal amount from the cash out from the first account. Inquire the server whether or not the cash out from the first account is possible,
If the cash out is possible, request the advance remittance to the advance server that transfers the funds for cash delivery to the second account used for withdrawal at the time of cash delivery.
Issuing a cash delivery instruction for cash withdrawn from the second account by cash delivery means,
Cash delivery method. The cash delivery method according to claim 5, wherein the cash delivery means is registered mail.

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