JP7134281B2 - Deposit/withdrawal management system, deposit/withdrawal management device, and deposit/withdrawal management method - Google Patents

Deposit/withdrawal management system, deposit/withdrawal management device, and deposit/withdrawal management method Download PDF

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JP7134281B2
JP7134281B2 JP2021033506A JP2021033506A JP7134281B2 JP 7134281 B2 JP7134281 B2 JP 7134281B2 JP 2021033506 A JP2021033506 A JP 2021033506A JP 2021033506 A JP2021033506 A JP 2021033506A JP 7134281 B2 JP7134281 B2 JP 7134281B2
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亮祐 熊谷
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Nippon Express Co Ltd
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本発明は、入出金管理システム、入出金管理装置及び入出金管理方法に関する。特に、店舗等での従業員等の現金の入出金及び店舗の利用者の電子決済を行う入出金機の入出金の管理を行う入出金管理装置、入出金機と入出金管理装置とを含む入出金管理システム及び入出金管理方法に関する。 The present invention relates to a deposit/withdrawal management system, a deposit/withdrawal management device, and a deposit/withdrawal management method. In particular, it includes a deposit/withdrawal management device, a deposit/withdrawal machine, and a deposit/withdrawal management device that manages the deposit/withdrawal of cash by employees, etc., in a store, etc., and the deposit/withdrawal of a deposit/withdrawal machine that performs electronic payment for users of the store, etc. The present invention relates to a deposit/withdrawal management system and a deposit/withdrawal management method.

店舗等に配置された入出金機の売り上げ金の回収には、警備輸送会社等が利用されている。 A security transportation company or the like is used to collect the proceeds of money depositing/dispensing machines installed in stores or the like.

例えば、特許文献１には、店舗に設置された入金機と入金処理を行うセンターとが通信回線を介して接続された、店舗の現金管理システムが記載されている。入金機は、店舗の売り上げの現金が入金のために投入されると、現金の識別と計数を行う現金処理手段と、計数された金額を記憶するとともに通信手段を介してセンターへ入金額と店舗の識別子を含む入金データを送信する制御を行うデータ処理手段及び現金を収納する金庫手段とを備える。そして、センターは入金データを受信すると、店舗の識別子に対応する銀行口座に対し入金する処理を行って、入金機の現金を回収する。この入金機の現金の回収に警備輸送会社等が利用される。 For example, Patent Literature 1 describes a store cash management system in which a deposit machine installed in the store and a deposit processing center are connected via a communication line. When cash from store sales is deposited for deposit, the deposit machine stores cash processing means for identifying and counting the cash, stores the counted amount, and sends the deposit amount and the store to the center via communication means. and data processing means for controlling transmission of deposit data including the identifier of , and safe means for storing cash. Then, when the center receives the deposit data, the center performs processing of depositing the money into the bank account corresponding to the store identifier, and collects the cash in the deposit machine. A security transportation company or the like is used to collect the cash in the deposit machine.

特開平９－１６６９１号公報JP-A-9-16691

現金を用いずに電子データで処理をする電子決済、例えば、オンラインでのクレジットカード決済、デビットカード決済、プリペイドカード決済に加え、スマートホン等による電子マネー（電子通貨）を用いた決済が行われている。
そして、近年においては、電子決済を行うときに、現金の引き出し（キャッシュアウト）、例えば店舗で買い物をするときに銀行のキャッシュカードを用いて、商品の購入の支払いと現金の引き出しが可能なサービスが行われている。
しかしながら、例えば、キャッシュカードによるキャッシュアウトを可能とするために店舗にキャッシュアウトに対応するＰＯＳレジスタを設置するための設備投資が必要とされる。また、ＰＯＳレジスタにキャッシュアウト用の現金を保有しておく必要もある。 Electronic payments that process electronic data without using cash, such as online credit card payments, debit card payments, and prepaid card payments, as well as payments using electronic money (electronic currency) using smartphones, etc. ing.
In recent years, cash withdrawal (cash out) has become possible when making electronic payments. is being done.
However, for example, capital investment is required to install a cash-out compatible POS register in the store to enable cash-out using a cash card. It is also necessary to keep cash for cash out at the POS register.

本発明の目的は、店舗等での現金の入出金及び電子決済を行う入出金機の入出金の管理を行い、入出金機の現金の出金のための店舗準備金の保有、店舗売上金の回収、及び電子決済手段を用いたキャッシュアウト等を可能とする入出金管理システム、入出金管理装置及び入出金管理方法を提供することを目的とする。 The object of the present invention is to manage cash deposits and withdrawals at stores and deposits and withdrawals of cash deposit and withdrawal machines that perform electronic settlement, and to hold store reserves for cash withdrawals of cash deposit and withdrawal machines and store sales proceeds. It is an object of the present invention to provide a deposit/withdrawal management system, a deposit/withdrawal management device, and a deposit/withdrawal management method that enable the collection of money and cashout using electronic payment means.

（１）本発明による入出金管理システムは、店舗に設置され、現金の入出金を行う入出金機と、
前記入出金機に通信回線を介して接続される入出金管理装置と、を備えた入出金管理システムであって、
前記入出金機は、
電子決済手段と、
前記店舗の店舗利用金融機関への送金対象となる前記店舗の店舗売上金の額と前記店舗を特定するための識別情報とを含む第１の情報を前記入出金管理装置に送信するとともに、前記店舗の利用者が前記電子決済手段を用いて出金した現金の額又は決済した額、及び前記識別情報を含む第２の情報を送信する通信手段と、
を備え、
前記入出金管理装置は、
前記第１の情報と前記第２の情報とを識別する受信情報識別手段と、
前記店舗の店舗売上金の額を前記第１の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、送金処理手段と、
を備えた、入出金管理システムである。 (1) A deposit/withdrawal management system according to the present invention includes a deposit/withdrawal machine installed in a store for depositing/dispensing cash,
A deposit/withdrawal management system comprising a deposit/withdrawal management device connected to the deposit/withdrawal machine via a communication line,
The deposit/withdrawal machine
electronic payment means;
sending first information including identification information for specifying the store sales amount of the store to be remitted to the store-use financial institution of the store and identification information for specifying the store to the deposit/withdrawal management device; communication means for transmitting second information including the amount of cash withdrawn or settled by the user of the store using the electronic payment means and the identification information;
with
The deposit/withdrawal management device
received information identification means for identifying the first information and the second information;
remittance processing means for remittance of the store sales amount of the store to an account of the store-use financial institution specified from the identification information included in the first information;
is a deposit/withdrawal management system.

（２）上記（１）に記載の入出金管理システムにおいて、
前記送金処理手段を第１の送金処理手段としたときに、前記入出金管理装置は、
前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額を前記第２の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、第２の送金処理手段を備えた、入出金管理システムとすることができる。 (2) In the deposit/withdrawal management system described in (1) above,
When the remittance processing means is the first remittance processing means, the deposit/withdrawal management device
The store-use finance in which the amount of cash withdrawn or settled using the electronic payment means, which has been withdrawn from the account of the user's financial institution, is specified from the identification information included in the second information. It may be a deposit/withdrawal management system comprising a second remittance processing means for transferring money to an institution's account.

（３）上記（２）に記載の入出金管理システムにおいて、
前記入出金管理装置は、
前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額と、前記第２の情報に含まれる、前記電子決済手段を用いて出金した現金の額又は決済した額とを照合する照合処理手段を備え、
照合の結果、２つの出金した現金の額又は決済した額が一致した場合に、前記第２の送金処理手段により送金する、入出金管理システムとすることができる。 (3) In the deposit/withdrawal management system described in (2) above,
The deposit/withdrawal management device
The amount of cash withdrawn or settled using the electronic payment means, which has been withdrawn from the account of the user's financial institution, and the withdrawal using the electronic payment means, which is included in the second information Equipped with matching processing means for matching the amount of cash received or the amount settled,
The deposit/withdrawal management system can remit by the second remittance processing means when the two withdrawn cash amounts or the two settled amounts match as a result of collation.

（４）上記（１）から３のいずれかに記載の入出金管理システムにおいて、
前記入出金管理装置は、前記入出金機に保管された前記店舗の店舗売上金の回収を指示する、回収指示手段を備え、
前記回収指示手段からの指示に基づいて、前記入出金機に保管された前記店舗の店舗売上金を回収する現金回収センターを備え、
前記現金回収センター、前記入出金機及び入出金管理装置を警備輸送会社が管理する入出金管理システムとすることができる。 (4) In the deposit/withdrawal management system according to any one of (1) to (3) above,
The deposit/withdrawal management device comprises collection instruction means for instructing collection of store sales proceeds of the store stored in the deposit/withdrawal machine,
a cash collection center that collects store sales proceeds of the store stored in the deposit/withdrawal machine based on instructions from the collection instruction means;
The cash collection center, the deposit/withdrawal machine, and the deposit/withdrawal management device may be a deposit/withdrawal management system managed by a security transportation company.

（５）上記（４）に記載の入出金管理システムにおいて、
前記通信手段は、前記入出金機に保留されている現金の額と前記識別情報とを含む第３の情報を前記入出金管理装置に送信し、
前記入出金管理装置は、
前記第３の情報に含まれる前記入出金機に保留されている現金の額が、設定されている下限の一定額より低い場合に、前記入出金機に補填する現金を配達金として計算する配達金計算手段と、
前記配達金の配達を前記現金回収センターに指示する配達指示手段と、
を備えた、入出金管理システムとすることができる。 (5) In the deposit/withdrawal management system described in (4) above,
the communication means transmits third information including the amount of cash held in the deposit/withdrawal machine and the identification information to the deposit/withdrawal management device;
The deposit/withdrawal management device
When the amount of cash held in the depositing/dispensing machine included in the third information is lower than a set lower limit fixed amount, the cash to be replenished in the depositing/dispensing machine is calculated as the delivery money. a delivery fee calculation means for
delivery instruction means for instructing the cash collection center to deliver the delivery money;
It can be a deposit/withdrawal management system.

（６）本発明による入出金管理装置は、電子決済手段を備え、店舗に設置されて現金の入出金を行う入出金機に、通信回線を介して接続される入出金管理装置であって、
前記店舗の店舗利用金融機関への送金対象となる前記店舗の店舗売上金の額と前記店舗を特定するための識別情報とを含む第１の情報を前記入出金機から受信するとともに、前記店舗の利用者が前記電子決済手段を用いて出金した現金の額又は決済した額、及び前記識別情報を含む第２の情報を前記入出金機から受信する通信手段と、
前記第１の情報と前記第２の情報とを識別する受信情報識別手段と、
前記店舗の店舗売上金の額を前記第１の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、送金処理手段と、
を備えた、入出金管理装置である。 (6) A deposit/withdrawal management device according to the present invention is a deposit/withdrawal management device that includes electronic payment means and is connected via a communication line to a deposit/withdrawal machine installed in a store for depositing/dispensing cash,
receiving from the depositing/dispensing machine first information including the amount of store sales of the store to be remitted to the store-use financial institution of the store and identification information for specifying the store; communication means for receiving second information including the amount of cash dispensed or settled by the user of the store using the electronic payment means and the identification information from the deposit/withdrawal machine;
received information identification means for identifying the first information and the second information;
remittance processing means for remittance of the store sales amount of the store to an account of the store-use financial institution specified from the identification information included in the first information;
is a deposit/withdrawal management device.

（７） 上記（６）に記載の入出金管理装置において、
前記送金処理手段を第１の送金処理手段としたときに、前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額を前記第２の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、第２の送金処理手段を備えた、入出金管理装置。 (7) In the deposit/withdrawal management device described in (6) above,
When the remittance processing means is the first remittance processing means, the amount of cash withdrawn from the account of the financial institution of the user or the amount settled using the electronic settlement means is transferred to the second remittance processing means. a deposit/withdrawal management device comprising second remittance processing means for remittance to an account of the store-use financial institution specified from the identification information included in the information of .

（８） 上記（６）又は（７）に記載の入出金管理装置において、
前記入出金機に保管された前記店舗の店舗売上金の回収を指示する、回収指示手段を備えた、入出金管理装置。 (8) In the deposit/withdrawal management device described in (6) or (7) above,
A deposit/withdrawal management device comprising a collection instruction means for instructing collection of store sales proceeds of the store stored in the deposit/withdrawal machine.

（９）本発明による第１の入出金管理方法は、電子決済手段を備え、店舗に設置されて現金の入出金を行う入出金機と、前記入出金機に通信回線を介して接続される入出金管理装置と、を備えた入出金管理システムの入出金管理方法であって、
前記入出金機は、
前記店舗の店舗利用金融機関への送金対象となる前記店舗の店舗売上金の額と前記店舗を特定するための識別情報とを含む第１の情報を前記入出金管理装置に送信し、
前記店舗の利用者が前記電子決済手段を用いて出金した現金の額又は決済した額、及び前記識別情報を含む第２の情報を送信し、
前記入出金管理装置は、
前記第１の情報と前記第２の情報とを識別し、
前記店舗の店舗売上金の額を前記第１の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、入出金管理方法である。 (9) A first deposit/withdrawal management method according to the present invention includes: a deposit/withdrawal machine equipped with an electronic settlement means and installed in a store for depositing/withdrawing cash; and a deposit/withdrawal management method for a deposit/withdrawal management system comprising:
The deposit/withdrawal machine
transmitting to the deposit/withdrawal management device first information including the amount of store sales of the store to be remitted to the store-use financial institution of the store and identification information for specifying the store;
transmitting second information including the amount of cash withdrawn or settled by the user of the store using the electronic payment means and the identification information;
The deposit/withdrawal management device
identifying the first information and the second information;
In the deposit/withdrawal management method, the amount of store sales of the store is transferred to an account of the store-use financial institution specified from the identification information included in the first information.

（１０）上記（９）に記載の入出金管理方法において、
前記入出金管理装置は、
前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額を前記第２の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、入出金管理方法とすることができる。 (10) In the deposit/withdrawal management method described in (9) above,
The deposit/withdrawal management device
The store-use finance in which the amount of cash withdrawn or settled using the electronic payment means, which has been withdrawn from the account of the user's financial institution, is specified from the identification information included in the second information. It can be a deposit/withdrawal management method that transfers money to an institution's account.

（１１） 上記（９）又は（１０）に記載の入出金管理方法において、
前記入出金管理装置は、前記入出金機に保管された前記店舗の店舗売上金の回収を指示し、
前記入出金管理システムは、前記回収の指示に基づいて、前記入出金機に保管された前記店舗の店舗売上金を回収する現金回収センターを備え、
前記現金回収センター、前記入出金機及び前記入出金管理装置を警備輸送会社が管理する、入出金管理方法とすることができる。 (11) In the deposit/withdrawal management method described in (9) or (10) above,
The deposit/withdrawal management device instructs collection of store sales proceeds of the store stored in the deposit/withdrawal machine,
The deposit/withdrawal management system includes a cash collection center that collects store sales proceeds of the store stored in the deposit/withdrawal machine based on the collection instruction,
The deposit/withdrawal management method may include managing the cash collection center, the deposit/withdrawal machine, and the deposit/withdrawal management device by a security transportation company.

（１２）本発明による第２の入出金管理方法は、電子決済手段を備え、店舗に設置されて現金の入出金を行う入出金機に、通信回線を介して接続される入出金管理装置の入出金管理方法であって、
前記店舗の店舗利用金融機関への送金対象となる前記店舗の店舗売上金の額と前記店舗を特定するための識別情報とを含む第１の情報を前記入出金機から受信し、
前記店舗の利用者が前記電子決済手段を用いて出金した現金の額又は決済した額、及び前記識別情報を含む第２の情報を前記入出金機から受信し、
前記第１の情報と前記第２の情報とを識別し、
前記店舗の店舗売上金の額を前記第１の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、入出金管理方法である。 (12) A second deposit/withdrawal management method according to the present invention includes a deposit/withdrawal management device that is equipped with electronic settlement means and is connected via a communication line to a deposit/withdrawal machine installed in a store for depositing/withdrawing cash. A deposit/withdrawal management method,
receiving from the depositing/dispensing machine first information including the amount of store sales of the store to be remitted to the store-use financial institution of the store and identification information for specifying the store;
receiving second information including the amount of cash dispensed or settled by the user of the store using the electronic payment means and the identification information from the deposit/withdrawal machine;
identifying the first information and the second information;
In the deposit/withdrawal management method, the amount of store sales of the store is transferred to an account of the store-use financial institution specified from the identification information included in the first information.

（１３）上記（１２）に記載の入出金管理方法において、
前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額を前記第２の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、入出金管理方法とすることができる。 (13) In the deposit/withdrawal management method described in (12) above,
The store-use finance in which the amount of cash withdrawn or settled using the electronic payment means, which has been withdrawn from the account of the user's financial institution, is specified from the identification information included in the second information. It can be a deposit/withdrawal management method that transfers money to an institution's account.

（１４）上記（１２）又は（１３）に記載の入出金管理方法において、
前記入出金機に保管された前記店舗の店舗売上金の回収を指示する、入出金管理方法とすることができる。 (14) In the deposit/withdrawal management method described in (12) or (13) above,
The deposit/withdrawal management method may include instructing collection of store sales proceeds of the store stored in the deposit/withdrawal machine.

本発明によれば、店舗等での現金の入出金及び電子決済を行う入出金機の入出金の管理を行い、入出金機の現金の出金のための店舗準備金の保有、店舗売上金の回収、及び電子決済手段を用いたキャッシュアウト等を可能とすることができる。 According to the present invention, cash deposits and withdrawals at stores, etc., and deposits and withdrawals of cash deposit and withdrawal machines that perform electronic settlement are managed, and store reserves for cash withdrawal of cash deposit and withdrawal machines are held and store sales proceeds are managed. can be collected, and cashout using electronic payment means can be made possible.

本発明に係る入出金管理システムを含む管理システムの一構成例を示すブロック図である。1 is a block diagram showing one configuration example of a management system including a deposit/withdrawal management system according to the present invention; FIG. 入出金機の外観を示す斜視図である。1 is a perspective view showing an appearance of a depositing/dispensing machine; FIG. 第１の実施形態の入出金管理装置の構成を示すブロック図である。1 is a block diagram showing the configuration of a deposit/withdrawal management device according to a first embodiment; FIG. 第１の実施形態の入出金管理装置の機能を示す機能ブロック図である。2 is a functional block diagram showing functions of the deposit/withdrawal management device of the first embodiment; FIG. 第１の実施形態の入出金管理装置の動作を示すフローチャートである。It is a flow chart which shows the operation of the deposit/withdrawal management device of the first embodiment. 第２の実施形態の入出金管理装置の機能を示す機能ブロック図である。It is a functional block diagram showing the functions of the deposit/withdrawal management device of the second embodiment. 第２の実施形態の入出金管理装置の動作を示すフローチャートである。It is a flowchart which shows operation|movement of the deposit/withdrawal management apparatus of 2nd Embodiment. 第３の実施形態の入出金管理装置の機能を示す機能ブロック図である。It is a functional block diagram showing the functions of the deposit/withdrawal management device of the third embodiment. 第３の実施形態の入出金管理装置の動作の一部を示すフローチャートである。It is a flowchart which shows a part of operation|movement of the deposit/withdrawal management apparatus of 3rd Embodiment.

以下、図面を参照して本発明を実施するための形態を説明する。 BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments for carrying out the present invention will be described with reference to the drawings.

（第１の実施形態）
図１は本発明に係る入出金管理システムを含む管理システムの一構成例を示すブロック図である。
図１に示すように、管理システムは、入出金管理システム１、銀行等の店舗利用金融機関２、銀行等の電子決済金融機関３、及び銀行等の警備輸送会社利用金融機関４を備えている。警備輸送会社利用金融機関４は、現金の回収を行う警備輸送会社の利用する金融機関である。入出金管理システム１は、入出金管理装置１１を含む入出金管理センター１０、店舗２０の入出金機２１、及び入出金機２１に保管された現金の回収を行う警備輸送会社が管理する現金回収センター３０を備えている。なお、入出金管理システム１は、現金回収センター３０を備えなくともよい。 (First embodiment)
FIG. 1 is a block diagram showing one configuration example of a management system including a deposit/withdrawal management system according to the present invention.
As shown in FIG. 1, the management system includes a deposit/withdrawal management system 1, a store-use financial institution 2 such as a bank, an electronic payment financial institution 3 such as a bank, and a financial institution 4 such as a bank using a security transportation company. . Security transportation company use financial institution 4 is a financial institution used by a security transportation company that collects cash. The deposit/withdrawal management system 1 includes a deposit/withdrawal management center 10 including a deposit/withdrawal management device 11, a deposit/withdrawal machine 21 in a store 20, and a cash collection managed by a security transportation company that collects cash stored in the deposit/withdrawal machine 21. A center 30 is provided. Note that the deposit/withdrawal management system 1 does not have to include the cash collection center 30 .

入出金機２１は、公衆網等の通信回線４０を介して入出金管理装置１１と接続される。図１では、店舗２０の入出金機２１を一つだけ示すが、複数の店舗の各入出金機が入出金管理センター１０と通信回線４０により接続されていてもよい。また、入出金機２１は店舗２０に複数台設けられたり、一つの店舗内に複数の異なる小規模の店が存在する場合、及び近隣に複数の店舗が存在する場合に、共同に利用する一台の入出金機２１が設けられたりする場合もある。 The deposit/withdrawal machine 21 is connected to the deposit/withdrawal management apparatus 11 via a communication line 40 such as a public network. Although only one deposit/withdrawal machine 21 of the store 20 is shown in FIG. In addition, when a plurality of deposit/withdrawal machines 21 are provided in the store 20, or when a plurality of different small-scale stores exist within one store, or when a plurality of stores exist in the neighborhood, one can be used jointly. In some cases, a pay-in/pay-out machine 21 is provided.

入出金管理システム１の管理者は特に限定されないが、例えば、管理者は、現金の回収を行う警備輸送会社である。入出金管理センター１０、入出金機２１及び現金回収センター３０の管理者はそれぞれ別な会社であってもよい。 Although the manager of the deposit/withdrawal management system 1 is not particularly limited, for example, the manager is a security transportation company that collects cash. The managers of the deposit/withdrawal management center 10, the deposit/withdrawal machine 21, and the cash collection center 30 may be different companies.

＜入出金機２１＞
入出金機２１は、現金の入出金及び電子決済が可能である。
入出金機２１による電子決済は、デビットカードやクレジットカードの情報を用いた決済や、マルチペイメントネットワークを利用した決済等を利用することができる。また、入出金機２１による電子決済は、銀行のキャッシュカードによるデビットカード決済が可能である。入出金機２１は、デビットカードやクレジットカードによるキャッシュアウトも可能である。 <Payment machine 21>
The deposit/withdrawal machine 21 is capable of cash deposit/withdrawal and electronic settlement.
For the electronic payment by the deposit/withdrawal machine 21, payment using debit card or credit card information, payment using a multi-payment network, or the like can be used. In addition, electronic settlement by the deposit/withdrawal machine 21 can be debit card settlement using a bank cash card. The deposit/withdrawal machine 21 is also capable of cashing out using a debit card or credit card.

図２は入出金機の外観を示す斜視図である。
図２に示すように、入出金機２１は、プリンタ２０１、ＩＤカード挿入口２０２、操作部２０３、電子決済手段となる電子決済端末２０４、指静脈認証機２０５、硬貨投入口２０６、硬貨リジェクト口２０７、硬貨出金口２０８、紙幣投入口２０９、紙幣出金・リジェクト口２１０、お客様金庫部２１１、及び収納部２１２を備えている。お客様金庫部は、還流部又はリサイクル部とも呼ばれる場合もあるが、以下の説明ではお客様金庫部として説明する。 FIG. 2 is a perspective view showing the appearance of the depositing/dispensing machine.
As shown in FIG. 2, the deposit/withdrawal machine 21 includes a printer 201, an ID card slot 202, an operation unit 203, an electronic payment terminal 204 serving as electronic payment means, a finger vein authentication machine 205, a coin slot 206, and a coin reject slot. 207 , a coin withdrawal port 208 , a bill insertion port 209 , a bill withdrawal/rejection port 210 , a customer safe section 211 and a storage section 212 . The customer safe department may also be called a recycling department or a recycling department, but will be described as a customer safe department in the following description.

プリンタ２０１は、店舗２０の従業員が売り上げの入金若しくは出金を行ったとき又は店舗２０の責任者が売り上げの締めを指示したときに、入出金した金額（硬貨と紙幣の種別を含む）又は、売り上げの締めを行ったときの売り上げの金額等を伝票に印字出力する。また、プリンタ２０１は、店舗２０の利用者が電子決済端末２０４を用いてキャッシュアウトを行ったときの金額を印字出力する。プリンタ２０１は外付けプリンタとしてもよい。
ＩＤカード挿入口２０２は、店舗２０の入出金を行う従業員、売り上げの引き渡し又は締めを行う責任者、及び現金回収センター３０の現金の回収を行う集配担当者等がそれぞれ携帯するＩＤカードを挿入する挿入口である。入出金機２１内には、ＩＤカード挿入口２０２から挿入されたＩＤカードに記憶された、個人を識別する情報を読み取る読取装置が設けられており、読取装置はＩＣカードと磁気カードに対応している。 When an employee of the store 20 deposits or withdraws the sales, or when the person in charge of the store 20 instructs to close the sales, the printer 201 displays the amount deposited or withdrawn (including the types of coins and banknotes) or , the amount of sales, etc., when the sales are closed, are printed out on a slip. The printer 201 also prints out the amount of money when the user of the shop 20 cashes out using the electronic payment terminal 204 . Printer 201 may be an external printer.
The ID card slot 202 is used to insert ID cards carried by employees who make deposits and withdrawals at the store 20, a person responsible for handing over or closing sales, and a person in charge of collection and delivery who collects cash at the cash collection center 30. It is an insertion slot for Inside the deposit/withdrawal machine 21, there is provided a reading device for reading information for identifying an individual stored in the ID card inserted from the ID card slot 202, and the reading device is compatible with IC cards and magnetic cards. ing.

操作部２０３は、店舗２０の従業者若しくは責任者、現金回収センター３０の集配担当者、又は店舗の利用者が操作する操作画面を表示するタッチパネル付き液晶表示装置である。タッチパネル付き液晶表示装置には、ＩＤカードのＩＤにより識別される店舗２０の従業者若しくは責任者、現金回収センター３０の集配担当者、又は店舗の利用者がそれぞれ操作する操作画面が表示される。タッチパネル付き液晶表示装置には、例えば、従業者若しくは責任者による操作画面の操作により、入金を行ったときの金額や合計や、売り上げの締めを入力したときの売り上げ金額等の各種の表示が行われる。 The operation unit 203 is a liquid crystal display device with a touch panel that displays an operation screen operated by an employee or manager of the store 20, a person in charge of collection and delivery of the cash collection center 30, or a user of the store. The liquid crystal display device with a touch panel displays an operation screen operated by an employee or manager of the store 20 identified by the ID of the ID card, a person in charge of collection and delivery of the cash collection center 30, or a user of the store. The liquid crystal display device with a touch panel displays, for example, various types of displays such as the amount and the total when a payment is made and the amount of sales when the closing of sales is entered by operating an operation screen by an employee or a person in charge. will be

電子決済端末２０４は、ＩＣカードと磁気カードに対応した端末で、上述したデビットカードやキャッシュカードの情報を用いた電子決済が可能である。店舗２０の利用者は電子決済端末２０４を用いてキャッシュアウトを行うことができる。電子決済端末２０４は、スマートホン等による電子マネー（電子通貨）を用いた決済に対応する端末であってもよい。電子決済端末２０４は入出金機２１に内蔵されて設けられてもよい。この場合、ＩＣカード又は磁気カードのカード挿入口はＩＤカード挿入口２０２と共用してもよく、ＩＤカード挿入口２０２とは別に設けてもよい。なお、電子決済端末２０４を用いた電子決済は契約した特定の金融機関のみとすることも可能である。以下の説明では、店舗２０の利用者が電子決済端末２０４を用いてキャッシュアウトした例を取り上げて説明する。 The electronic payment terminal 204 is a terminal compatible with IC cards and magnetic cards, and is capable of electronic payment using the above-described debit card and cash card information. A user of the store 20 can use the electronic payment terminal 204 to cash out. The electronic payment terminal 204 may be a terminal that supports payment using electronic money (electronic currency) using a smartphone or the like. The electronic settlement terminal 204 may be built in the deposit/withdrawal machine 21 . In this case, the card slot for the IC card or the magnetic card may be shared with the ID card slot 202 or may be provided separately from the ID card slot 202 . It should be noted that electronic payment using the electronic payment terminal 204 may be limited to a specific contracted financial institution. In the following description, an example in which the user of the store 20 cashed out using the electronic settlement terminal 204 will be described.

指静脈認証機２０５は、店舗２０の従業者若しくは責任者、現金回収センター３０の集配担当者、又は店舗２０の利用者の指の静脈模様により個人認証を行う機械である。
硬貨投入口２０６、紙幣投入口２０９は、売り上げの現金及び店舗準備金を硬貨と紙幣に分けて挿入するために設けられる。
硬貨リジェクト口２０７は、不良貨幣を排出する出口である。硬貨出金口２０８は、硬貨が出金される出金口である。
紙幣出金・リジェクト口２１０は、紙幣を出金するとともに、不良紙幣を排出する出口である。 The finger vein authentication machine 205 is a machine that performs personal authentication based on finger vein pattern of an employee or manager of the store 20 , a person in charge of collection and delivery of the cash collection center 30 , or a user of the store 20 .
A coin slot 206 and a banknote slot 209 are provided for separately inserting coins and banknotes for sales cash and store reserves.
The coin reject port 207 is an outlet for ejecting defective coins. The coin dispensing port 208 is a dispensing port from which coins are dispensed.
The banknote withdrawal/reject port 210 is an outlet for dispensing banknotes and discharging defective banknotes.

お客様金庫部２１１は、硬貨投入口２０６、紙幣投入口２０９から挿入された硬貨及び紙幣を一時保留するとともに、硬貨出金口２０８及び紙幣出金・リジェクト口２１０から出金されることがある現金を保留する部分である。お客様金庫部２１１には利用者がキャッシュアウトするための現金及び従業員が釣銭等のために出金するための現金が予め店舗準備金として入れられている。そして、お客様金庫部２１１には硬貨投入口２０６、紙幣投入口２０９から挿入された硬貨及び紙幣が入れられる。店舗２０の従業員が硬貨投入口２０６、紙幣投入口２０９から挿入した現金と、従業員が釣銭等のために出金するための現金との差額が店舗売上金となる。利用者がキャッシュアウトするための現金は通常店舗準備金から引き出される。 The customer safe section 211 temporarily holds coins and banknotes inserted from the coin slot 206 and the banknote slot 209, and also stores cash that may be withdrawn from the coin dispensing slot 208 and the bill dispensing/rejecting slot 210. is the part that holds Cash for the user to cash out and cash for the employee to withdraw for change or the like are stored in the customer cash box 211 in advance as store reserves. Coins and banknotes inserted from the coin slot 206 and bill slot 209 are put into the customer safe section 211 . The difference between the cash inserted by the employee of the store 20 through the coin slot 206 and bill slot 209 and the cash to be withdrawn by the employee for change or the like is the sales proceeds of the store. Cash for customers to cash out is usually withdrawn from store reserves.

収納部２１２は、入金された硬貨及び紙幣のうち、店舗利用金融機関２への送金対象であり通常出金されることのない店舗売上金となる現金（硬貨及び紙幣）を収納する部分であり、お客様金庫部２１１の下に設けられる。
硬貨投入口２０６、紙幣投入口２０９から入金した硬貨及び紙幣を、一旦、お客様金庫部２１１に入れ、店舗２０の責任者が売り上げの引き渡し又は締めを指示したときに、店舗利用金融機関２への送金対象であり通常出金されることのない店舗売上金となる現金がお客様金庫部２１１から収納部２１２に移される。 The storage unit 212 stores cash (coins and banknotes), which is to be remitted to the financial institution using the store 2 and is not usually withdrawn, from among the deposited coins and banknotes. , is provided under the customer safe section 211 .
Coins and banknotes deposited from the coin slot 206 and the banknote slot 209 are once put into the customer safe section 211, and when the person in charge of the store 20 instructs to hand over or close the sales, they are sent to the store-use financial institution 2. Cash, which is to be a remittance target and is not normally withdrawn, is transferred from the customer safe section 211 to the storage section 212.例文帳に追加

お客様金庫部２１１に一時保留された現金（硬貨及び紙幣）が、お客様金庫部２１１の最大保留量又は予め決められた店舗準備金を超える場合に、硬貨投入口２０６、紙幣投入口２０９から入金した現金のうち、最大保留量又は予め決められた店舗準備金を超える現金をお客様金庫部２１１から収納部２１２に移してもよい。
現金がお客様金庫部２１１から収納部２１２に移されると、現金の管理責任は店舗２０から入出金管理システム１の管理者である警備輸送会社に移る。このように、現金を収納部２１２に警備輸送会社の現金として収納する処理を「引き渡し」という。また、収納部２１２に収納した現金を確定する処理を「締め」という。 When the cash (coins and banknotes) temporarily reserved in the customer safe section 211 exceeds the maximum reserve amount of the customer safe section 211 or the store reserve fund determined in advance, the money is deposited from the coin slot 206 and bill slot 209. Of the cash, cash that exceeds the maximum reserve amount or the predetermined store reserve fund may be transferred from the customer safe section 211 to the storage section 212 .
When the cash is transferred from the customer safe section 211 to the storage section 212, the cash management responsibility is transferred from the store 20 to the security transportation company, which is the manager of the deposit/withdrawal management system 1.例文帳に追加The process of storing the cash in the storage unit 212 as the cash of the security transportation company is called "delivery". Further, the process of confirming the cash stored in the storage unit 212 is called "closing".

入出金機２１は、店舗２０の従業員が、硬貨投入口２０６、紙幣投入口２０９から入金した現金と、従業員が硬貨出金口２０８及び紙幣出金・リジェクト口２１０から出金した現金との差額を店舗売上金としてカウントする。また、入出金機２１は、お客様金庫部２１１に現在保留されている現在の現金の額をカウントするとともに、収納部２１２で収納される現金の額をカウントする。更に、入出金機２１は、利用者がキャッシュアウトした現金をカウントする。お客様金庫部２１１に保留される現金は、予め保留されていた店舗準備金と店舗売上金との合計から利用者がキャッシュアウトした現金を引いた現金となる。
お客様金庫部２１１及び収納部２１２と同様な構成を備えた入出金機を備えた入出金管理システムは既に知られており、例えば、特開２００３－１４１６０９号公報に開示されているので詳細な説明は省略する。
入出金機２１は、セルフレジ機能を有してもよい。入出金機２１がセルフレジ機能を有することで、利用者が店舗内で商品を購入する場合、利用者は現金決済又は電子決済によってセルフで処理できる。 The deposit/withdrawal machine 21 receives cash deposited by an employee of the store 20 from a coin slot 206 and a bill slot 209, and cash withdrawn from an employee from a coin dispensing slot 208 and a bill dispensing/reject slot 210. The difference is counted as store sales. In addition, the deposit/withdrawal machine 21 counts the current amount of cash held in the customer safe section 211 and counts the amount of cash stored in the storage section 212 . Furthermore, the deposit/withdrawal machine 21 counts the amount of cash cashed out by the user. The cash reserved in the customer safe section 211 is obtained by subtracting the cash cashed out by the user from the sum of the previously reserved store reserve fund and the store sales proceeds.
A deposit/withdrawal management system having a deposit/withdrawal machine having a configuration similar to that of the customer safe section 211 and the storage section 212 is already known, and is disclosed, for example, in Japanese Patent Application Laid-Open No. 2003-141609. are omitted.
The deposit/withdrawal machine 21 may have a self-checkout function. Since the deposit/withdrawal machine 21 has a self-checkout function, when the user purchases a product in the store, the user can process the transaction by cash payment or electronic payment.

以上、入出金機２１の構成について説明したが、入出金機２１は不図示の通信手段となる通信部を介して入出金管理センター１０の入出金管理装置１１に以下に説明する情報を送信する。
入出金機２１は、利用者が電子決済端末２０４を用いて引き出した現金の額（キャッシュアウトした金額）又は決済した額（電子決済した額）を含む出金及び決済情報を、通信回線４０を介して入出金管理装置１１に送信する。出金及び決済情報は、電子決済端末２０４を用いて引き出した現金の額又は決済した額を示す出金データと、入出金機２１を特定するための入出金機コード（店舗を特定するための識別情報となる）と、送信日時とを含んでいる。入出金機コードは、入出金機を特定する識別情報となるとともに、入出金管理装置１１において、店舗コードと紐づけられて記憶されており、入出金機コードにより店舗を特定できるため、店舗を特定するための識別情報となる。
出金及び決済情報は第２の情報となり、第２の情報は、少なくとも、電子決済端末２０４を用いて出金した現金の額又は決済した額、及び店舗２０を特定する識別情報（例えば、入出金機コード）を含んでいる。 The configuration of the deposit/withdrawal machine 21 has been described above. The deposit/withdrawal machine 21 transmits the following information to the deposit/withdrawal management device 11 of the deposit/withdrawal management center 10 via a communication unit (not shown) serving as communication means. .
The deposit/withdrawal machine 21 transmits payment and settlement information including the amount of cash withdrawn (cash out amount) or the settlement amount (electronic settlement amount) by the user using the electronic settlement terminal 204 via the communication line 40. to the deposit/withdrawal management device 11 via the The payment and payment information includes payment data indicating the amount of cash withdrawn or settled using the electronic payment terminal 204, and a payment machine code for specifying the payment machine 21 (for specifying the store). identification information) and the transmission date and time. The deposit/withdrawal machine code serves as identification information for specifying the deposit/withdrawal machine, and is stored in the deposit/withdrawal management device 11 in association with the store code. It becomes the identification information for specifying.
The withdrawal and payment information is the second information, and the second information includes at least the amount of cash withdrawn or settled using the electronic payment terminal 204 and identification information specifying the store 20 (for example, deposit/withdrawal information). gold machine code).

また、入出金機２１は、店舗２０の、売り上げの締め後の収納部２１２で収納される現金の額を含む入出金情報を、通信回線４０を介して入出金管理装置１１に送信する。入出金情報は、売り上げの締め後の収納部２１２で収納される現金の額及び硬貨と紙幣の種別を含む入出金データと、入出金機２１を特定するための入出金機コード（識別情報となる）と、送信日時を含んでいる。売り上げの締め後の収納部２１２で収納される現金は、店舗利用金融機関２への送金対象であり通常出金されることのない店舗売上金となる。入出金情報は第１の情報となり、第１の情報は、少なくとも、店舗利用金融機関２への送金対象となる店舗２０の店舗売上金の額と店舗を特定する識別情報（例えば、入出金機コード）とを含んでいる。
なお、入出金機２１は、出金及び決済情報か入出金情報かを識別するために出金及び決済情報コード又は入出金情報コードを付与して送信する。 The deposit/withdrawal machine 21 also transmits deposit/withdrawal information including the amount of cash to be stored in the storage unit 212 of the store 20 after sales are closed to the deposit/withdrawal management device 11 via the communication line 40 . The deposit/withdrawal information includes deposit/withdrawal data including the amount of cash stored in the storage unit 212 after the closing of sales and the types of coins and banknotes, and a deposit/withdrawal machine code (identification information and ) and the date and time of transmission. The cash stored in the storage unit 212 after the closing of sales is to be remitted to the store-use financial institution 2 and becomes the store sales proceeds that are not usually withdrawn. The deposit/withdrawal information is the first information, and the first information is at least the amount of store sales of the store 20 to be remitted to the store-use financial institution 2 and identification information (for example, a deposit/withdrawal machine code) and
Note that the deposit/withdrawal machine 21 attaches and transmits a withdrawal/settlement information code or a deposit/withdrawal information code in order to identify whether it is the withdrawal/settlement information or the deposit/withdrawal information.

また、入出金機２１は、引き出した現金の額を引き落とすための、利用者が電子決済端末２０４を用いて引き出した現金の額（キャッシュアウトした金額）又は決済した額、店舗２０を特定する識別情報（例えば、入出金機コード）、店舗２０の指定する銀行の口座、利用者の取引銀行及び支店等を特定するための銀行コードと口座番号とを、電子決済金融機関３に送信する。 The deposit/withdrawal machine 21 also includes the amount of cash withdrawn by the user using the electronic payment terminal 204 (the amount of cash paid out) or the amount of settlement, and an identifier for specifying the store 20 for withdrawing the amount of cash withdrawn. Information (for example, a deposit/withdrawal machine code), a bank account designated by the store 20 , a bank code and an account number for specifying the user's bank and branch, etc. are transmitted to the electronic settlement financial institution 3 .

＜入出金管理装置１１＞
図３は入出金管理装置１１の構成を示すブロック図である。図４は入出金管理装置１１の機能を示す機能ブロック図である。入出金管理装置１１は例えば、図３に示すコンピュータで構成され、図４に示す機能はコンピュータのＣＰＵが入出金管理プログラムを実行することで実現される。
図３に示すように、入出金管理装置１１は、通信手段となる通信部１０１、ＣＰＵ１０２、ＤＲＡＭ等のメモリ１０３、液晶表示装置等の表示部１０４、キーボード等の入力部１０５、及びハードディスク又はＳＳＤ等の記憶部１０６を備えている。通信部１０１から記憶部１０６の各部はバスで接続されている。
図４に示すように、入出金管理装置１１は、受信情報識別部１１１、照合処理部１１２、送金処理部１１３、及び回収指示部１１４を備えている。送金処理部１１３は送金処理手段及び第１の送金処理手段となる。入出金管理装置１１は、回収指示部１１４を備えなくともよい。 <Deposit/withdrawal management device 11>
FIG. 3 is a block diagram showing the configuration of the deposit/withdrawal management device 11. As shown in FIG. FIG. 4 is a functional block diagram showing the functions of the deposit/withdrawal management device 11. As shown in FIG. The deposit/withdrawal management apparatus 11 is composed of, for example, a computer shown in FIG. 3, and the functions shown in FIG. 4 are realized by the CPU of the computer executing a deposit/withdrawal management program.
As shown in FIG. 3, the deposit/withdrawal management apparatus 11 includes a communication unit 101 serving as communication means, a CPU 102, a memory 103 such as a DRAM, a display unit 104 such as a liquid crystal display device, an input unit 105 such as a keyboard, and a hard disk or SSD. etc. is provided. Each unit from the communication unit 101 to the storage unit 106 is connected by a bus.
As shown in FIG. 4 , the deposit/withdrawal management device 11 includes a reception information identification section 111 , a collation processing section 112 , a remittance processing section 113 , and a collection instruction section 114 . The remittance processing unit 113 serves as remittance processing means and first remittance processing means. The deposit/withdrawal management device 11 does not have to include the collection instruction unit 114 .

入出金管理装置１１の通信部１０１は入出金機２１から送られた情報を受信し、ＣＰＵ１０２は記憶部１０６から読み出した入出金管理プログラムに基づいて次の処理を行う。 The communication unit 101 of the deposit/withdrawal management device 11 receives information sent from the deposit/withdrawal machine 21 , and the CPU 102 performs the following processing based on the deposit/withdrawal management program read from the storage unit 106 .

受信情報識別部１１１は、入出金機２１から送られた受信情報を識別し、受信情報が出金及び決済情報（第２の情報）であれば、出金及び決済情報を照合処理部１１２に出力する。受信情報識別部１１１は受信情報識別手段となる。受信情報に出金及び決済情報コードが含まれていれば出金及び決済情報であることが識別できる。
上述したように、利用者が電子決済端末２０４を用いて現金を引き出した場合、又は商品購入のために電子決済した場合、入出金機２１は、引き出した現金の額を引き落とすための、利用者が電子決済端末２０４を用いて引き出した現金の額（キャッシュアウトした金額）又は決済した額、店舗２０を特定する識別情報（入出金機コード）、利用者の取引銀行及び支店等を特定するための銀行コードと口座番号とを、電子決済金融機関３に送信する。
そして、電子決済金融機関３は、銀行コードと口座番号を用いて、利用者の取引銀行及び支店を確認し、利用者口座を特定し、当該利用者口座から利用者が引き出した現金の額又は決済した額を引き落として、店舗利用金融機関２となる、店舗２０の指定する銀行の口座に送金する。そして、電子決済金融機関３は、送金の額、及び店舗２０を特定する識別情報（送金額及び識別情報は送金情報となる）を入出金管理装置１１に必要に応じて送信する。
電子決済金融機関３が店舗２０の指定する銀行の口座に送金する場合、電子決済金融機関３が直接、店舗２０の指定する銀行の口座に送金してもよいが、決済代行会社を介して、店舗２０の指定する銀行の口座に送金してもよい。電子決済金融機関３が、送金の額、及び店舗２０を特定する識別情報を入出金管理装置１１に送信する場合、電子決済金融機関３は、送金の額、及び店舗２０を特定する識別情報の送信を、店舗２０の指定する銀行の口座に送金する同時に、送金前、又は送金後のいずれに行ってもよい。 The received information identification unit 111 identifies the received information sent from the deposit/withdrawal machine 21, and if the received information is payment and payment information (second information), the payment and payment information is sent to the collation processing unit 112. Output. The reception information identification section 111 serves as reception information identification means. If the received information includes a payment and payment information code, it can be identified as payment and payment information.
As described above, when the user withdraws cash using the electronic payment terminal 204 or makes electronic payment for purchasing a product, the deposit/withdrawal machine 21 is used by the user to withdraw the amount of cash withdrawn. to identify the amount of cash withdrawn (cash out amount) or settled amount using the electronic payment terminal 204, identification information (deposit/withdrawal machine code) that identifies the store 20, user's bank and branch, etc. to the electronic settlement financial institution 3.
Then, using the bank code and account number, the electronic payment financial institution 3 confirms the user's bank and branch, identifies the user account, and determines the amount of cash withdrawn by the user from the user account or The settled amount is withdrawn and remitted to the account of the bank specified by the store 20, which is the financial institution 2 using the store. Then, the electronic settlement financial institution 3 transmits the remittance amount and identification information specifying the shop 20 (the remittance amount and the identification information are remittance information) to the deposit/withdrawal management device 11 as necessary.
When the electronic payment financial institution 3 transfers money to the bank account designated by the shop 20, the electronic payment financial institution 3 may directly transfer money to the bank account designated by the shop 20. You may remit to the account of the bank which the store 20 designates. When the electronic payment financial institution 3 transmits the remittance amount and the identification information specifying the store 20 to the deposit/withdrawal management device 11, the electronic payment financial institution 3 transmits the remittance amount and the identification information specifying the store 20. The transmission may be performed at the same time as the transfer to the bank account designated by the store 20, before or after the transfer.

照合処理部１１２は、受信情報識別部１１１から受けた出金及び決済情報に含まれる、店舗２０を特定する識別情報（入出金機コード）と、電子決済金融機関３から送信された店舗２０を特定する識別情報（入出金機コード）とが一致した場合、受信情報識別部１１１から受けた出金及び決済情報に含まれる、電子決済端末２０４を用いて引き出した現金の額又は決済した額と、電子決済金融機関３から送信された送金の額を照合する。照合処理部１１２は、電子決済端末２０４を用いて引き出した現金の額又は決済した額と、電子決済金融機関３から送信された送金の額とが一致しているかどうかの照合結果を記憶し、必要に応じて、照合結果を入出金機２１又は店舗２０の情報処理端末に通知する。
電子決済金融機関３が利用者の取引銀行の利用者口座から引き落とす額は、利用者が引き出した現金の額若しくは決済した額（Ｃ）に手数料（α１）を加えた額としてもよい。そして、電子決済金融機関３は、引き落とした額（Ｃ＋α１）に電子決済金融機関３の手数料（α２）を引いた額（Ｃ＋α１－α２）を店舗２０の指定する銀行の口座に送金してもよい。 The collation processing unit 112 identifies the identification information (deposit/withdrawal machine code) for specifying the store 20 included in the payment and settlement information received from the received information identification unit 111 and the store 20 transmitted from the electronic payment financial institution 3. If the specified identification information (deposit/dispense machine code) matches the amount of cash withdrawn or settled using the electronic payment terminal 204, which is included in the payment and payment information received from the received information identification unit 111, , checks the remittance amount sent from the electronic payment financial institution 3 . The collation processing unit 112 stores the collation result of whether or not the amount of cash withdrawn or settled using the electronic payment terminal 204 matches the amount of remittance sent from the electronic payment financial institution 3, If necessary, the matching result is notified to the deposit/withdrawal machine 21 or the information processing terminal of the store 20 .
The amount withdrawn by the electronic payment financial institution 3 from the user account of the user's bank may be the sum of the amount of cash withdrawn by the user or the amount of settlement (C) plus the fee (α1). Then, the electronic payment financial institution 3 may remit the amount (C+α1-α2) obtained by subtracting the fee (α2) of the electronic payment financial institution 3 from the withdrawn amount (C+α1) to the bank account designated by the store 20. .

受信情報識別部１１１は、入出金機２１から送られた受信情報が入出金情報（第１の情報）であれば、入出金情報から、売り上げの締め後の収納部２１２で収納されている現金の額及び入出金機コードを取り出し、送金処理部１１３に出力する。受信情報に入出金情報コードが含まれていれば入出金情報であることが識別できる。また、受信情報識別部１１１は、入出金機２１から送られた受信情報が入出金情報であれば、入出金情報から、売り上げの締め後の収納部２１２で収納されている現金の額、及び入出金機コードを取り出し、回収指示部１１４に出力する。 If the received information sent from the depositing/dispensing machine 21 is the depositing/dispensing information (first information), the received information identification unit 111 identifies the cash stored in the storage unit 212 after closing the sales from the depositing/dispensing information. The amount and the deposit/withdrawal machine code are extracted and output to the remittance processing unit 113 . If the received information includes a deposit/withdrawal information code, it can be identified as deposit/withdrawal information. In addition, if the received information sent from the depositing/dispensing machine 21 is the deposit/withdrawal information, the received information identification unit 111 determines the amount of cash stored in the storage unit 212 after closing the sales, and The deposit/withdrawal machine code is extracted and output to the collection instruction unit 114 .

送金処理部１１３は、入力された、売り上げの締め後の収納部２１２で収納される現金の額を送金の額とし、入出金機コードに基づいて、店舗２０の指定する銀行の口座を特定して、警備輸送会社の銀行の口座から店舗２０の指定する銀行の口座に送金額を送金する。記憶部１０６は、入出金機２１の入出金機コードと、店舗コードと、送金する銀行の口座とを紐づいて記憶しており、ＣＰＵ１０２は、入出金機コードに基づいて、店舗２０の指定する銀行の口座を特定する。表示部１０４には店舗２０の指定する銀行の口座への送金が表示される。送金処理部１１３が店舗２０の指定する銀行の口座に送金する場合、警備輸送会社の銀行の口座から直接、店舗２０の指定する銀行の口座に送金してもよいが、決済代行会社を介して、店舗２０の指定する銀行の口座に送金してもよい。 The remittance processing unit 113 uses the input amount of cash stored in the storage unit 212 after closing of sales as the remittance amount, and specifies the bank account designated by the store 20 based on the deposit/withdrawal machine code. Then, the remittance amount is transferred from the bank account of the security transportation company to the bank account designated by the shop 20. - 特許庁The storage unit 106 stores the depositing/dispensing machine code of the depositing/dispensing machine 21, the shop code, and the account of the bank to which the money is to be transferred in association with each other. identify a bank account to Remittance to the bank account designated by the store 20 is displayed on the display section 104 . When the remittance processing unit 113 transfers money to the bank account specified by the store 20, the transfer may be made directly from the bank account of the security transport company to the bank account specified by the store 20. , may be transferred to a bank account designated by the store 20 .

回収指示部１１４は、入力された、売り上げの締め後の収納部２１２で収納される現金の額を回収の額とし、入出金機コードに基づいて現金を回収すべき店舗と入出金機を特定し、回収金の額、店舗、入出金機を含む回収指示を現金回収センター３０に送信する。回収指示部１１４は回収指示手段となる。現金回収センター３０は回収指示に基づいて、指定された店舗の入出金機２１に保管された現金を回収する。 The collection instruction unit 114 uses the input amount of cash to be stored in the storage unit 212 after closing of sales as the amount to be collected, and specifies the store and the cash receiving/dispensing machine from which the cash should be collected based on the cash receiving/dispensing machine code. Then, a collection instruction including the amount of money to be collected, the store, and the deposit/withdrawal machine is transmitted to the cash collection center 30 . The collection instruction unit 114 serves as collection instruction means. The cash collection center 30 collects the cash stored in the deposit/withdrawal machine 21 of the designated store based on the collection instruction.

なお、一日に入出金機２１の収納部２１２へ収容される金額が多くない場合は、現金回収センター３０による現金の回収作業は毎日行う必要がなく、収納部２１２へ収容される現金が一定以上なったときに、回収指示部１１４から回収指示を現金回収センター３０に送信してもよい。 If the amount of money stored in the storage unit 212 of the deposit/withdrawal machine 21 in one day is not large, the cash collection operation by the cash collection center 30 does not need to be performed every day, and the amount of cash stored in the storage unit 212 is constant. When this is the case, the collection instruction unit 114 may transmit a collection instruction to the cash collection center 30 .

以上、入出金管理装置１１の構成について説明したが、入出金管理装置１１の動作についてフローチャートを用いて説明する。
図５は入出金管理装置１１の動作を示すフローチャートである。以下の説明では、電子決済金融機関３が、送金の額、及び店舗２０を特定する識別情報を入出金管理装置１１に送信するものとして説明する。
ステップＳ１１において、受信情報識別部１１１は、入出金機２１から送られた受信情報を識別する。
ステップＳ１２において、受信情報識別部１１１は、受信情報が店舗２０の利用者の出金及び決済情報（出金等情報）かどうかを判断し、出金及び決済情報の場合はステップＳ１３に移り、出金及び決済情報でない場合はステップＳ１６に移る。
ステップＳ１３において、受信情報が店舗２０の利用者の出金及び決済情報である場合は、照合処理部１１２は、受信情報識別部１１１から受けた出金及び決済情報に含まれる、店舗２０を特定する識別情報（入出金機コード）と、電子決済金融機関３から送信された店舗２０を特定する識別情報（入出金機コード）とが一致するかどうかを判断する。また、照合処理部１１２は、２つの識別情報が一致した場合、受信情報識別部１１１から受けた出金及び決済情報に含まれる、電子決済端末２０４を用いて引き出した現金の額又は決済した額と、電子決済金融機関３から送信された送金の額を照合する。
ステップＳ１４において、２つの識別情報が一致し、電子決済端末２０４を用いて引き出した現金の額又は決済した額と、電子決済金融機関３から送信された送金の額とが一致すると判断した場合、ステップＳ１５に移り、２つの識別情報と、額との少なくとも一方が一致しない場合は処理を終了する。
ステップＳ１５において、照合処理部１１２は、照合結果を記憶する。照合処理部１１２は、必要に応じて、照合結果を入出金機２１又は店舗２０の情報処理端末に通知する。 The configuration of the deposit/withdrawal management apparatus 11 has been described above, and the operation of the deposit/withdrawal management apparatus 11 will be described using a flowchart.
FIG. 5 is a flow chart showing the operation of the deposit/withdrawal management device 11. As shown in FIG. In the following description, it is assumed that the electronic payment financial institution 3 transmits the remittance amount and identification information specifying the store 20 to the deposit/withdrawal management device 11 .
In step S<b>11 , the received information identifying section 111 identifies received information sent from the deposit/withdrawal machine 21 .
In step S12, the received information identification unit 111 determines whether or not the received information is payment and settlement information (information such as payment) of the user of the store 20. If the payment and settlement information, the process proceeds to step S13. If it is not withdrawal and settlement information, the process moves to step S16.
In step S13, if the received information is the payment and settlement information of the user of the store 20, the collation processing unit 112 identifies the store 20 included in the payment and settlement information received from the received information identification unit 111. It is determined whether or not the identification information (deposit/dispenser code) for identifying the shop 20 transmitted from the electronic settlement financial institution 3 (deposit/dispense machine code) matches the identification information (deposit/dispense machine code). If the two pieces of identification information match, the collation processing unit 112 determines the amount of cash withdrawn or settled using the electronic payment terminal 204, which is included in the withdrawal and payment information received from the received information identification unit 111. , and the remittance amount sent from the electronic payment financial institution 3 is collated.
If it is determined in step S14 that the two pieces of identification information match and the amount of cash withdrawn or settled using the electronic payment terminal 204 matches the amount of remittance sent from the electronic payment financial institution 3, Moving to step S15, if at least one of the two pieces of identification information and the forehead do not match, the process ends.
In step S15, the collation processing unit 112 stores the collation result. The collation processing unit 112 notifies the information processing terminal of the deposit/withdrawal machine 21 or the store 20 of the collation result as necessary.

一方、ステップＳ１２において、受信情報識別部１１１が、受信情報が店舗２０の利用者の出金及び決済情報でないと判断した場合は、ステップＳ１６において、受信情報が店舗２０の従業者の入出金情報かどうかを判断する。受信情報が店舗２０の従業者等の入出金情報でない場合には処理を終了する。
ステップＳ１６において、受信情報識別部１１１が、受信情報が店舗２０の従業者の入出金情報であると判断した場合は、ステップＳ１７において、送金に関する情報を送金処理部１１３に出力し、回収に関する情報を回収指示部１１４に出力する。送金及び回収に関する情報は、売り上げの締め後の収納部２１２で収納される現金の額及び入出金機コードである。
ステップＳ１７において、送金処理部１１３は、入力された、売り上げの締め後の収納部２１２で収納される現金の額を送金の額とし、入出金機コードに基づいて、店舗２０の指定する銀行の口座を特定して、警備輸送会社の銀行口座（管理者口座）から店舗２０の指定する銀行の口座に送金額を送金する。回収指示部１１４は、入力された、売り上げの締め後の収納部２１２で収納される現金の額を回収の額とし、入出金機コードに基づいて現金を回収すべき店舗と入出金機を特定し、回収金の額、店舗、入出金機を含む回収指示を現金回収センター３０に送信する。 On the other hand, if the received information identification unit 111 determines in step S12 that the received information is not the payment and payment information of the user of the store 20, in step S16, the received information is the payment information of the employee of the store 20. to determine whether If the received information is not the deposit/withdrawal information of the employee of the store 20, the processing is terminated.
In step S16, if the received information identification unit 111 determines that the received information is the deposit/withdrawal information of the employee of the store 20, in step S17, the information regarding remittance is output to the remittance processing unit 113, and the information regarding collection is output to the remittance processing unit 113. is output to the collection instruction unit 114 . The information on remittance and collection is the amount of cash stored in the storage unit 212 after closing the sales and the code of the depositor/dispenser.
In step S17, the remittance processing unit 113 uses the input amount of cash stored in the storage unit 212 after the close of sales as the remittance amount, and based on the deposit/withdrawal machine code, the bank designated by the store 20. The account is specified, and the remittance amount is transferred from the bank account (administrator account) of the security transport company to the bank account designated by the shop 20. - 特許庁The collection instruction unit 114 uses the input amount of cash to be stored in the storage unit 212 after closing of sales as the amount to be collected, and specifies the store and the cash receiving/dispensing machine from which the cash should be collected based on the cash receiving/dispensing machine code. Then, a collection instruction including the amount of money to be collected, the store, and the deposit/withdrawal machine is transmitted to the cash collection center 30 .

（第２の実施形態）
本実施形態では、電子決済金融機関３が利用者口座から利用者が引き出した現金の額又は決済した額を引き落として警備輸送会社の銀行の口座に送金し、入出金管理装置が、警備輸送会社の銀行の口座に入金された額を、警備輸送会社の銀行の口座から店舗２０の指定する銀行の口座に送金する例について説明する。
本実施形態の入出金管理システムは第１の実施形態の入出金管理装置１１が入出金管理装置１１Ａに置き換わった点を除いて図１に示した入出金管理システム１及び図４に示した入出金管理装置１１と同じなので、以下の説明では入出金管理装置１１と異なる構成及び動作について説明する。 (Second embodiment)
In this embodiment, the electronic payment financial institution 3 withdraws the amount of cash withdrawn by the user or the amount settled from the user account and remits it to the bank account of the security transportation company. An example of transferring the amount deposited in the bank account of 1 from the bank account of the security transportation company to the bank account designated by the store 20 will be described.
The deposit/withdrawal management system of this embodiment is similar to the deposit/withdrawal management system 1 shown in FIG. 1 and the deposit/withdrawal management system 1 shown in FIG. Since it is the same as the money management device 11, the configuration and operation different from those of the deposit/withdrawal management device 11 will be described below.

＜入出金管理装置１１Ａ＞
図６は入出金管理装置１１Ａの機能を示す機能ブロック図である。入出金管理装置１１Ａは例えば、図３に示すコンピュータで構成され、図６に示す機能はコンピュータのＣＰＵが入出金管理プログラムを実行することで実現される。
図６に示すように、入出金管理装置１１Ａは、受信情報識別部１１１、照合処理部１１２、送金処理部１１３Ａ、送金処理部１１３、及び回収指示部１１４を備えている。入出金管理装置１１Ａが入出金管理装置１１と異なるのは、送金処理部１１３Ａが追加されていることである。送金処理部１１３は第１の送金処理手段となり、送金処理部１１３Ａは第２の送金処理手段となる。 <Deposit/withdrawal management device 11A>
FIG. 6 is a functional block diagram showing the functions of the deposit/withdrawal management device 11A. The deposit/withdrawal management device 11A is composed of, for example, a computer shown in FIG. 3, and the functions shown in FIG. 6 are realized by the CPU of the computer executing a deposit/withdrawal management program.
As shown in FIG. 6, the deposit/withdrawal management device 11A includes a reception information identification section 111, a collation processing section 112, a remittance processing section 113A, a remittance processing section 113, and a collection instruction section 114. The deposit/withdrawal management device 11A differs from the deposit/withdrawal management device 11 in that a remittance processing unit 113A is added. The remittance processing unit 113 serves as first remittance processing means, and the remittance processing unit 113A serves as second remittance processing means.

入出金管理装置１１Ａの通信部１０１は入出金機２１から送られた情報を受信し、ＣＰＵ１０２は記憶部１０６から読み出した入出金管理プログラムに基づいて次の処理を行う。 The communication unit 101 of the deposit/withdrawal management device 11A receives information sent from the deposit/withdrawal machine 21, and the CPU 102 performs the following processing based on the deposit/withdrawal management program read from the storage unit 106. FIG.

受信情報識別部１１１は、入出金機２１から送られた受信情報を識別し、受信情報が出金及び決済情報（第２の情報）であれば、出金及び決済情報を照合処理部１１２に出力する。受信情報識別部１１１は受信情報識別手段となる。受信情報に出金及び決済情報コードが含まれていれば出金及び決済情報であることが識別できる。
利用者が電子決済端末２０４を用いて現金を引き出した場合、又は商品購入のために電子決済した場合、入出金機２１は、引き出した現金の額を引き落とすための、利用者が電子決済端末２０４を用いて引き出した現金の額（キャッシュアウトした金額）又は決済した額、店舗２０を特定する識別情報（入出金機コード）、利用者の取引銀行及び支店等を特定するための銀行コードと口座番号とを、電子決済金融機関３に送信する。
そして、電子決済金融機関３は、銀行コードと口座番号を用いて、利用者の取引銀行及び支店を確認し、利用者口座を特定し、当該利用者口座から利用者が引き出した現金の額又は決済した額を引き落として、入出金管理センター１０、現金回収センター３０及び入出金機２１の管理者である警備輸送会社の警備輸送会社利用金融機関４となる銀行の口座（管理者口座）に送金する。そして、電子決済金融機関３は送金の額、及び店舗２０を特定する識別情報（送金額及び識別情報は送金情報となる）を入出金管理装置１１に必要に応じて送信する。
電子決済金融機関３が、送金の額、及び店舗２０を特定する識別情報を入出金管理装置１１に送信する場合、電子決済金融機関３は、送金の額、及び店舗２０を特定する識別情報の送信を、警備輸送会社利用金融機関４となる銀行の口座に送金する同時に、送金前、又は送金後のいずれに行ってもよい。 The received information identification unit 111 identifies the received information sent from the deposit/withdrawal machine 21, and if the received information is payment and payment information (second information), the payment and payment information is sent to the collation processing unit 112. Output. The reception information identification section 111 serves as reception information identification means. If the received information includes a payment and payment information code, it can be identified as payment and payment information.
When the user withdraws cash using the electronic payment terminal 204 or makes electronic payment for purchasing a product, the deposit/withdrawal machine 21 is used by the user to withdraw the amount of cash withdrawn from the electronic payment terminal 204. Amount of cash withdrawn (amount cashed out) or amount settled using number to the electronic payment financial institution 3.
Then, using the bank code and account number, the electronic payment financial institution 3 confirms the user's bank and branch, identifies the user account, and determines the amount of cash withdrawn by the user from the user account or The settled amount is withdrawn and transferred to the bank account (administrator account) of the security transport company that manages the deposit/withdrawal management center 10, the cash collection center 30, and the deposit/withdrawal machine 21. do. Then, the electronic settlement financial institution 3 transmits the remittance amount and identification information specifying the store 20 (the remittance amount and the identification information are remittance information) to the deposit/withdrawal management device 11 as necessary.
When the electronic payment financial institution 3 transmits the remittance amount and the identification information specifying the store 20 to the deposit/withdrawal management device 11, the electronic payment financial institution 3 transmits the remittance amount and the identification information specifying the store 20. The transmission may be performed either before or after the remittance to the bank account of the security transportation company's financial institution 4 at the same time.

照合処理部１１２は、受信情報識別部１１１から受けた出金及び決済情報に含まれる、店舗２０を特定する識別情報（入出金機コード）と、電子決済金融機関３から送信された店舗２０を特定する識別情報（入出金機コード）とが一致した場合、受信情報識別部１１１から受けた出金及び決済情報に含まれる、電子決済端末２０４を用いて引き出した現金の額又は決済した額と、電子決済金融機関３から送信された送金の額を照合する。照合の結果、両者が一致すれば、送金処理部１１３Ａは、識別情報（入出金機コード）に基づいて、店舗利用金融機関２となる、店舗２０の指定する銀行の口座を特定して、警備輸送会社の銀行の口座から店舗２０の指定する銀行の口座に、電子決済金融機関３から送金された額を送金する。
送金処理部１１３Ａが店舗２０の指定する銀行の口座に送金する場合、警備輸送会社の銀行の口座から直接、店舗２０の指定する銀行の口座に送金してもよいが、決済代行会社を介して、店舗２０の指定する銀行の口座に送金してもよい。記憶部１０６は、入出金機２１の入出金機コードと、店舗コードと、送金する銀行の口座とを紐づけて記憶しており、ＣＰＵ１０２は、入出金機コードに基づいて、店舗２０の指定する銀行の口座を特定する。表示部１０４には警備輸送会社の銀行の口座への入金、店舗２０の指定する銀行の口座への送金が表示される。
電子決済金融機関３が利用者の取引銀行の利用者口座から引き落とす額は、利用者が引き出した現金の額若しくは決済した額（Ｃ）に手数料（α１）を加えた額としてもよい。そして、電子決済金融機関３は、引き落とした額（Ｃ＋α１）に電子決済金融機関３の手数料（α２）を引いた額（Ｃ＋α１－α２）を警備輸送会社利用金融機関４となる銀行の口座（管理者口座）に送金してもよい。さらに、警備輸送会社は、入金された額（Ｃ＋α１－α２）に警備輸送会社の手数料（α３）を引いた額（Ｃ＋α１－α２－α３）を店舗２０の指定する銀行の口座に送金してもよい。 The collation processing unit 112 identifies the identification information (deposit/withdrawal machine code) for specifying the store 20 included in the payment and settlement information received from the received information identification unit 111 and the store 20 transmitted from the electronic payment financial institution 3. If the specified identification information (deposit/dispense machine code) matches the amount of cash withdrawn or settled using the electronic payment terminal 204, which is included in the payment and payment information received from the received information identification unit 111, , checks the remittance amount sent from the electronic payment financial institution 3 . As a result of the collation, if the two match, the remittance processing unit 113A identifies the account of the bank designated by the store 20, which is the financial institution using the store 2, based on the identification information (deposit/withdrawal machine code), and secures it. The amount transferred from the electronic settlement financial institution 3 is transferred from the bank account of the transportation company to the bank account specified by the store 20.例文帳に追加
When the remittance processing unit 113A transfers money to the bank account specified by the store 20, the transfer may be made directly from the bank account of the security transport company to the bank account specified by the store 20. , may be transferred to a bank account designated by the store 20 . The storage unit 106 associates and stores the deposit/withdrawal machine code of the deposit/withdrawal machine 21, the store code, and the account of the bank to which the money is to be transferred. identify a bank account to The display unit 104 displays the deposit to the bank account of the security transportation company and the remittance to the bank account designated by the store 20 .
The amount withdrawn by the electronic payment financial institution 3 from the user account of the user's bank may be the sum of the amount of cash withdrawn by the user or the amount of settlement (C) plus the fee (α1). Then, the electronic payment financial institution 3 transfers the amount (C+α1-α2) obtained by subtracting the fee (α2) of the electronic payment financial institution 3 from the withdrawn amount (C+α1) to the bank account (management You may transfer money to a bank account). Furthermore, the security transport company may remit the amount (C+α1-α2-α3) obtained by subtracting the fee (α3) of the security transport company from the deposited amount (C+α1-α2) to the bank account designated by the store 20. good.

以上、入出金管理装置１１Ａの入出金管理装置１１と異なる構成について説明したが、入出金管理装置１１Ａの入出金管理装置１１と異なる動作についてフローチャートを用いて説明する。
図７は入出金管理装置１１Ａの動作を示すフローチャートである。図７において、図５に示した入出金管理装置１１の動作と同じステップについては同一符号を付して説明を省略する。図７に示すフローチャートは図５に示すフローチャートのステップＳ１５がステップＳ１５Ａに置き替わっている。
ステップＳ１４において、受信情報識別部１１１から受けた出金及び決済情報に含まれる、店舗２０を特定する識別情報（入出金機コード）と、電子決済金融機関３から送信された店舗２０を特定する識別情報（入出金機コード）とが（２つの識別情報が）一致し、電子決済端末２０４を用いて引き出した現金の額又は決済した額と、電子決済金融機関３から送信された送金の額とが一致すると判断した場合、ステップＳ１５Ａに移り、２つの識別情報と、額との少なくとも一方が一致しない場合は処理を終了する。
ステップＳ１５Ａにおいて、送金処理部１１３Ａは、出金及び決済情報に含まれる、入出金機コードに基づいて、店舗２０の指定する銀行の口座を特定して、警備輸送会社の銀行の口座（管理者口座）から店舗２０の指定する銀行の口座に、電子決済金融機関３から送金された額を送金する。 The configuration of the deposit/withdrawal management apparatus 11A different from that of the deposit/withdrawal management apparatus 11 has been described above, and the operation of the deposit/withdrawal management apparatus 11A that is different from that of the deposit/withdrawal management apparatus 11 will be described with reference to flowcharts.
FIG. 7 is a flow chart showing the operation of the deposit/withdrawal management device 11A. In FIG. 7, steps that are the same as those of the deposit/withdrawal management apparatus 11 shown in FIG. In the flowchart shown in FIG. 7, step S15 of the flowchart shown in FIG. 5 is replaced with step S15A.
In step S14, the identification information (deposit/withdrawal machine code) for specifying the store 20 included in the payment and settlement information received from the received information identification unit 111 and the store 20 transmitted from the electronic payment financial institution 3 are specified. The amount of cash withdrawn or settled using the electronic settlement terminal 204 and the amount of remittance sent from the electronic settlement financial institution 3 are matched with the identification information (deposit/withdrawal machine code) (two pieces of identification information). If it is determined that the two pieces of identification information match each other, the process moves to step S15A, and if at least one of the two pieces of identification information and the forehead does not match, the process ends.
In step S15A, the remittance processing unit 113A identifies the bank account designated by the shop 20 based on the deposit/withdrawal machine code included in the withdrawal and payment information, and identifies the bank account of the security transportation company (administrator account) to the bank account designated by the store 20, the amount sent from the electronic payment financial institution 3 is transferred.

（第３の実施形態）
本実施形態では、入出金管理システムにおいて、更にお客様金庫部２１１に現在保留されている現在の現金の額が、設定されている下限の一定額より低い場合には、入出金機２１のお客様金庫部２１１に補填する現金を現金回収センター３０から配達する例について説明する。
本実施形態の入出金管理システムは第２の実施形態の入出金管理装置１１Ａが入出金管理装置１１Ｂに置き換わり、現金回収センター３０が現金の配達を更に行う点を除いて図１に示した入出金管理システム１及び図６に示した入出金管理装置１１Ａと同じなので、以下の説明では入出金管理装置１１Ａと異なる構成及び動作について説明する。
なお、本実施形態は送金処理部１１３Ａが設けられていない第１の実施形態の入出金管理装置１１に適用してもよい。 (Third embodiment)
In this embodiment, in the deposit/withdrawal management system, if the current amount of cash currently held in the customer safe unit 211 is lower than the set lower limit, the customer safe of the deposit/withdrawal machine 21 An example of delivering cash to replenish the unit 211 from the cash collection center 30 will be described.
The deposit/withdrawal management system of this embodiment is similar to the deposit/withdrawal management system shown in FIG. Since it is the same as the deposit/withdrawal management system 1 and the deposit/withdrawal management apparatus 11A shown in FIG. 6, the configuration and operation different from the deposit/withdrawal management apparatus 11A will be described below.
Note that this embodiment may be applied to the deposit/withdrawal management device 11 of the first embodiment in which the remittance processing unit 113A is not provided.

入出金機２１は、店舗２０の、お客様金庫部２１１に現在保留されている現在の現金の額を含む、配達に関する入出金情報を、通信回線４０を介して入出金管理装置１１に送信する。配達に関する入出金情報は、お客様金庫部２１１に現在保留されている現在の現金の額、並びに硬貨と紙幣の種別を含む入出金データと、店舗２０を特定するための入出金機コード（店舗を特定する識別情報となる）と、送信日時を含んでいる。また、入出金機２１は、入出金情報に、配達に関する情報であるか、送金・回収に関する情報を区別するために、配達コード、送金回収コードを含めて入出金管理装置１１に送信する。配達に関する入出金情報は第３の情報となり、第３の情報は、少なくとも、入出金機２１に保留されている現金の額と、店舗２０を特定する識別情報とを含んでいる。 The deposit/withdrawal machine 21 transmits deposit/withdrawal information related to delivery, including the current amount of cash currently held in the customer safe section 211 of the store 20 , to the deposit/withdrawal management device 11 via the communication line 40 . The deposit/withdrawal information related to the delivery includes the current amount of cash held in the customer safe section 211, the deposit/withdrawal data including the types of coins and banknotes, and the deposit/withdrawal machine code for specifying the store 20 (the store is identification information) and the transmission date and time. In addition, the deposit/withdrawal machine 21 transmits the deposit/withdrawal information to the deposit/withdrawal management apparatus 11 including a delivery code and a remittance/collection code in order to distinguish between information related to delivery and information related to remittance/collection. The deposit/withdrawal information regarding the delivery is the third information, and the third information includes at least the amount of cash held in the deposit/withdrawal machine 21 and identification information specifying the store 20 .

図８は入出金管理装置１１Ｂの機能を示す機能ブロック図である。入出金管理装置１１Ｂは例えば、入出金管理装置１１Ａと同様に図３に示すコンピュータで構成され、図８に示す機能はコンピュータのＣＰＵが入出金管理プログラムを実行することで実現される。
図８に示すように、入出金管理装置１１Ｂは、受信情報識別部１１１、照合処理部１１２、送金処理部１１３Ａ、送金処理部１１３、回収指示部１１４、配達金計算部１１５、及び配達指示部１１６を備えており、入出金管理装置１１Ａと比べて配達金計算部１１５、及び配達指示部１１６が追加されている。 FIG. 8 is a functional block diagram showing the functions of the deposit/withdrawal management device 11B. The deposit/withdrawal management device 11B is composed of, for example, the computer shown in FIG. 3 in the same manner as the deposit/withdrawal management device 11A, and the functions shown in FIG. 8 are realized by the CPU of the computer executing the deposit/withdrawal management program.
As shown in FIG. 8, the deposit/withdrawal management device 11B includes a reception information identification unit 111, a collation processing unit 112, a remittance processing unit 113A, a remittance processing unit 113, a collection instruction unit 114, a delivery money calculation unit 115, and a delivery instruction unit. 116, and a delivery money calculation unit 115 and a delivery instruction unit 116 are added compared to the deposit/withdrawal management device 11A.

入出金管理装置１１Ｂの通信部１０１は入出金機２１から送られた情報を受信し、ＣＰＵ１０２は記憶部１０６から読み出した入出金管理プログラムに基づいて入出金管理装置１１の処理に加えて次の処理を行う。 The communication unit 101 of the deposit/withdrawal management device 11B receives the information sent from the deposit/withdrawal machine 21, and the CPU 102 performs the processing of the deposit/withdrawal management device 11B based on the deposit/withdrawal management program read from the storage unit 106, as well as the following: process.

受信情報識別部１１１は、入出金機２１から送られた受信情報に配達コードが含まれ、受信情報が配達に関する入出金情報であれば、入出金情報から、お客様金庫部２１１に現在保留されている現在の現金の額、硬貨と紙幣の種別、入出金機コード及び送信日時を取り出し、配達金計算部１１５に出力する。 If the received information sent from the deposit/withdrawal machine 21 includes a delivery code, and the received information is deposit/withdrawal information related to delivery, the received information identification unit 111 identifies the information currently held in the customer safe unit 211 based on the deposit/withdrawal information. The current amount of cash present, the type of coins and banknotes, the deposit/withdrawal machine code, and the date and time of transmission are taken out and output to the delivery money calculation unit 115 .

配達金計算部１１５は、入力された、お客様金庫部２１１に現在保留されている現在の現金の額が、設定されている下限の一定額より低い場合には、入出金機２１のお客様金庫部２１１に補填する現金を配達金として計算し、配達指示部１１６に、配達金の額を出力する。また、配達金計算部１１５は、入力された、硬貨と紙幣の種別、入出金機コード及び送信日時を配達指示部１１６に出力する。配達金計算部１１５は、現在の現金が、設定されている下限の一定額を超え、十分な現金が保留されている場合には、次の入出金情報を待つ。 If the input current amount of cash currently held in the customer safe unit 211 is lower than the set lower limit, the delivery money calculation unit 115 calculates 211 is calculated as delivery money, and the amount of delivery money is output to the delivery instruction unit 116. - 特許庁In addition, the delivery amount calculation unit 115 outputs to the delivery instruction unit 116 the input types of coins and banknotes, the deposit/withdrawal machine code, and the transmission date and time. If the current amount of cash exceeds the set lower limit, and sufficient cash is reserved, the delivery amount calculation unit 115 waits for the next deposit/withdrawal information.

配達指示部１１６は、入出金機コードから配達金を配達すべき店舗と入出金機を特定し、配達金の額、硬貨と紙幣の種別、店舗、入出金機、送信日時を含む配達指示を現金回収センター３０に送信する。現金回収センター３０は配達指示に基づいて、指定された店舗の入出金機に配達金を配達する。現金回収センター３０は、複数の配達指示を受けた場合、送信日時から配達指示を受けた日時までより時間が経過している方を優先させて配達してもよい。 The delivery instruction unit 116 specifies the store and the deposit/withdrawal machine to which the delivery money should be delivered from the deposit/withdrawal machine code, and issues a delivery instruction including the amount of the delivery money, the type of coins and banknotes, the store, the deposit/withdrawal machine, and the date and time of transmission. Send to cash collection center 30 . The cash collection center 30 delivers the delivery money to the deposit/withdrawal machine of the specified store based on the delivery instruction. When a plurality of delivery instructions are received, the cash collection center 30 may give priority to the one whose time has passed from the date of transmission to the date of receipt of the delivery instruction.

以上、入出金管理装置１１Ｂの構成について説明したが、入出金管理装置１１Ｂの動作についてフローチャートを用いて説明する。
図９は入出金管理装置１１Ｂの動作の一部を示すフローチャートである。以下の説明では図７と同一な動作の説明は省略する。図９に示すフローチャートは図７に示すフローチャートに対して、ステップＳ１８及びＳ１９が追加されている。 The configuration of the deposit/withdrawal management apparatus 11B has been described above, and the operation of the deposit/withdrawal management apparatus 11B will be described using a flowchart.
FIG. 9 is a flow chart showing part of the operation of the deposit/withdrawal management device 11B. In the following description, description of the same operations as in FIG. 7 will be omitted. The flowchart shown in FIG. 9 has steps S18 and S19 added to the flowchart shown in FIG.

ステップＳ１６において、受信情報識別部１１１が、受信情報が店舗２０の従業者の入出金情報であると判断した場合は、ステップＳ１８において、配達コード、送金回収コードいずれが付与されているかどうかにより、入出金情報における、配達に関する情報と送金・回収に関する情報とを区別して、配達に関する情報である場合は、ステップＳ１９に移り、配達に関する情報を配達金計算部１１５に出力し、送金・回収に関する情報である場合は、ステップＳ１７に移り、送金・回収に関する情報を送金処理部１１３、回収指示部１１４に出力する。
入出金情報から配達に関する情報は、お客様金庫部２１１に現在保留されている現在の現金の額、硬貨と紙幣の種別、配達コード、入出金機コード及び送信日時である。送金・回収に関する情報は、売り上げの締め後の収納部２１２で収納される現金の額、送金回収コード、及び入出金機コードである。
ステップＳ１９において、配達金計算部１１５は、入力された、お客様金庫部２１１に現在保留されている現在の現金の額が、下限の一定額より低い場合には、入出金機２１のお客様金庫部２１１に補填する現金を配達金として計算し、配達指示部１１６は、入出金機コードから配達金を配達すべき店舗と入出金機を特定し、配達金の額、硬貨と紙幣の種別、店舗、入出金機、送信日時を含む配達指示を現金回収センター３０に送信する。 In step S16, if the received information identification unit 111 determines that the received information is the deposit/withdrawal information of the employee of the store 20, in step S18, depending on whether a delivery code or a remittance/collection code is given, In the deposit/withdrawal information, information on delivery and information on remittance/collection are distinguished. If so, the process moves to step S17, and information on remittance/collection is output to the remittance processing unit 113 and the collection instruction unit 114. FIG.
Information related to delivery from the deposit/withdrawal information includes the current amount of cash currently reserved in the customer safe section 211, the type of coins and banknotes, the delivery code, the deposit/withdrawal machine code, and the date and time of transmission. Information related to remittance/collection includes the amount of cash to be stored in the storage unit 212 after the closing of sales, the remittance/collection code, and the deposit/withdrawal machine code.
In step S19, if the input current amount of cash currently held in the customer cash box 211 is lower than a certain lower limit, the delivery money calculation unit 115 211 is calculated as the delivery money, and the delivery instruction unit 116 specifies the store and payment machine to which the delivery money should be delivered from the payment machine code, the amount of the delivery money, the type of coins and banknotes, the store , the deposit/withdrawal machine, and the date and time of transmission to the cash collection center 30.

以上、本発明に係る第１～第３の実施形態について説明した。本実施形態の入出金管理装置に含まれる各構成部は、入出金管理プログラム（ソフトウェア）に基づいて実現するとしたが、電子回路等のハードウェア、又はハードウェアとソフトウェアとの組み合わせにより実現することもできる。 The first to third embodiments according to the present invention have been described above. Each component included in the deposit/withdrawal management apparatus of the present embodiment is realized based on the deposit/withdrawal management program (software), but may be realized by hardware such as an electronic circuit, or a combination of hardware and software. can also

以上説明した第１～第３の本実施形態の入出金管理システムによれば、店舗の利用者にとっては店舗での買い物の際に現金を引き出すこと又は決済を行うができ、店舗にとっては集客力を上げることができ、金融機関にとってはＡＴＭ（現金自動支払い機）を設定運営するコストを低減することができ、入出金管理システムの管理者（現金の配達回収を行う警備輸送会社等）にとっては入金される現金の一部が店舗の利用者によって出金されるため、回収すべき現金の残高が低減し、回収の頻度を減らすことができる。 According to the deposit/withdrawal management system of the first to third embodiments described above, users of the store can withdraw cash or make payments when shopping at the store. For financial institutions, it is possible to reduce the cost of setting up and operating ATMs (automated teller machines). Since part of the deposited cash is withdrawn by the user of the store, the balance of the cash to be collected is reduced and the frequency of collection can be reduced.

上述した各実施形態は、本発明の好適な実施形態ではあるが、上記実施形態のみに本発明の範囲を限定するものではなく、本発明の要旨を逸脱しない範囲において種々の変更を施した形態での実施が可能である。
例えば、各実施形態では、店舗を特定するための識別情報として入出金機コードを用いたが、他の情報、例えば店舗コードを用いてもよい。 The above-described embodiments are preferred embodiments of the present invention, but the scope of the present invention is not limited to the above-described embodiments, and various modifications are made without departing from the scope of the present invention. can be implemented in
For example, in each embodiment, a deposit/withdrawal machine code is used as identification information for specifying a store, but other information such as a store code may be used.

１ 入出金管理システム
２ 店舗利用金融機関
３ 電子決済金融機関
４ 警備輸送会社利用金融機関
１０ 入出金管理センター
１１ 入出金管理装置
２０ 店舗
２１ 入出金機
３０ 現金回収センター
４０ 通信回線
１０１ 通信部
１０２ ＣＰＵ
１０３ メモリ
１０４ 表示部
１０５ 入力部
１０６ 記憶部
１１１ 受信情報識別部
１１２ 照合処理部
１１３、１１３Ａ 送金処理部
１１４ 回収指示部
１１５ 配達金計算部
１１６ 配達指示部 1 deposit/withdrawal management system 2 store-use financial institution 3 electronic settlement financial institution 4 security transportation company-used financial institution 10 deposit/withdrawal management center 11 deposit/withdrawal management device 20 store 21 deposit/withdrawal machine 30 cash collection center 40 communication line 101 communication unit 102 CPU
103 memory 104 display unit 105 input unit 106 storage unit 111 reception information identification unit 112 verification processing unit 113, 113A remittance processing unit 114 collection instruction unit 115 delivery money calculation unit 116 delivery instruction unit

Claims (10)

店舗に設置され、現金の入出金を行う入出金機と、
前記入出金機に通信回線を介して接続される入出金管理装置と、を備えた入出金管理システムであって、
前記入出金機は、
電子決済手段と、
前記店舗の店舗利用金融機関への送金対象となる前記店舗の店舗売上金の額と前記店舗を特定するための識別情報とを含む第１の情報を前記入出金管理装置に送信するとともに、前記店舗の利用者が前記電子決済手段を用いて出金した現金の額又は決済した額、及び前記識別情報を含む第２の情報を送信する通信手段と、
を備え、
前記入出金管理装置は、
前記第１の情報と前記第２の情報とを識別する受信情報識別手段と、
前記店舗の店舗売上金の額を前記第１の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、送金処理手段と、
を備え、
前記送金処理手段を第１の送金処理手段としたときに、前記入出金管理装置は、
前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額を前記第２の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、第２の送金処理手段を備えた、入出金管理システム。 A deposit/withdrawal machine installed in a store for depositing/withdrawing cash;
A deposit/withdrawal management system comprising a deposit/withdrawal management device connected to the deposit/withdrawal machine via a communication line,
The deposit/withdrawal machine
electronic payment means;
sending first information including identification information for specifying the store sales amount of the store to be remitted to the store-use financial institution of the store and identification information for specifying the store to the deposit/withdrawal management device; communication means for transmitting second information including the amount of cash withdrawn or settled by the user of the store using the electronic payment means and the identification information;
with
The deposit/withdrawal management device
received information identification means for identifying the first information and the second information;
remittance processing means for remittance of the store sales amount of the store to an account of the store-use financial institution specified from the identification information included in the first information;
with
When the remittance processing means is the first remittance processing means, the deposit/withdrawal management device
The store-use finance in which the amount of cash withdrawn or settled using the electronic payment means, which has been withdrawn from the account of the user's financial institution, is specified from the identification information included in the second information. A deposit/withdrawal management system comprising a second remittance processing means for remittance to an institution's account . 請求項１に記載の入出金管理システムにおいて、
前記入出金管理装置は、
前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額と、前記第２の情報に含まれる、前記電子決済手段を用いて出金した現金の額又は決済した額とを照合する照合処理手段を備え、
照合の結果、２つの出金した現金の額又は決済した額が一致した場合に、前記第２の送金処理手段により送金する、入出金管理システム。 In the deposit/withdrawal management system according to claim 1 ,
The deposit/withdrawal management device
The amount of cash withdrawn or settled using the electronic payment means, which has been withdrawn from the account of the user's financial institution, and the withdrawal using the electronic payment means, which is included in the second information Equipped with matching processing means for matching the amount of cash received or the amount settled,
A deposit/withdrawal management system for performing remittance by the second remittance processing means when two dispensed cash amounts or two settled amounts match as a result of collation. 請求項１又は請求項２に記載の入出金管理システムにおいて、
前記入出金管理装置は、前記入出金機に保管された前記店舗の店舗売上金の回収を指示する、回収指示手段を備え、
前記入出金管理システムは、前記回収指示手段からの指示に基づいて、前記入出金機に保管された前記店舗の店舗売上金を回収する現金回収センターを備え、
前記現金回収センター、前記入出金機及び前記入出金管理装置を警備輸送会社が管理する、入出金管理システム。 In the deposit/withdrawal management system according to claim 1 or claim 2 ,
The deposit/withdrawal management device comprises collection instruction means for instructing collection of store sales proceeds of the store stored in the deposit/withdrawal machine,
The deposit/withdrawal management system includes a cash collection center that collects store sales proceeds of the store stored in the deposit/withdrawal machine based on instructions from the collection instruction means,
A deposit/withdrawal management system in which a security transportation company manages the cash collection center, the deposit/withdrawal machine, and the deposit/withdrawal management device. 請求項３に記載の入出金管理システムにおいて、
前記通信手段は、前記入出金機に保留されている現金の額と前記識別情報とを含む第３の情報を前記入出金管理装置に送信し、
前記入出金管理装置は、
前記第３の情報に含まれる前記入出金機に保留されている現金の額が、設定されている下限の一定額より低い場合に、前記入出金機に補填する現金を配達金として計算する配達金計算手段と、
前記配達金の配達を前記現金回収センターに指示する配達指示手段と、
を備えた、入出金管理システム。 In the deposit/withdrawal management system according to claim 3 ,
the communication means transmits third information including the amount of cash held in the deposit/withdrawal machine and the identification information to the deposit/withdrawal management device;
The deposit/withdrawal management device
When the amount of cash held in the depositing/dispensing machine included in the third information is lower than a set lower limit fixed amount, the cash to be replenished in the depositing/dispensing machine is calculated as the delivery money. a delivery fee calculation means for
delivery instruction means for instructing the cash collection center to deliver the delivery money;
deposit and withdrawal management system. 電子決済手段を備え、店舗に設置されて現金の入出金を行う入出金機に、通信回線を介して接続される入出金管理装置であって、
前記店舗の店舗利用金融機関への送金対象となる前記店舗の店舗売上金の額と前記店舗を特定するための識別情報とを含む第１の情報を前記入出金機から受信するとともに、前記店舗の利用者が前記電子決済手段を用いて出金した現金の額又は決済した額、及び前記識別情報を含む第２の情報を前記入出金機から受信する通信手段と、
前記第１の情報と前記第２の情報とを識別する受信情報識別手段と、
前記店舗の店舗売上金の額を前記第１の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、送金処理手段と、
を備え、
前記送金処理手段を第１の送金処理手段としたときに、前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額を前記第２の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、第２の送金処理手段を備えた、入出金管理装置。 A deposit/withdrawal management device equipped with electronic payment means and connected via a communication line to a deposit/withdrawal machine installed in a store for depositing/dispensing cash,
receiving from the depositing/dispensing machine first information including the amount of store sales of the store to be remitted to the store-use financial institution of the store and identification information for specifying the store; communication means for receiving second information including the amount of cash dispensed or settled by the user of the store using the electronic payment means and the identification information from the deposit/withdrawal machine;
received information identification means for identifying the first information and the second information;
remittance processing means for remittance of the store sales amount of the store to an account of the store-use financial institution specified from the identification information included in the first information;
with
When the remittance processing means is the first remittance processing means, the amount of cash withdrawn from the account of the financial institution of the user or the amount settled using the electronic settlement means is transferred to the second remittance processing means. a deposit/withdrawal management device comprising second remittance processing means for remittance to an account of the store-use financial institution specified from the identification information included in the information of . 請求項５に記載の入出金管理装置において、
前記入出金機に保管された前記店舗の店舗売上金の回収を指示する、回収指示手段を備えた、入出金管理装置。 In the deposit/withdrawal management device according to claim 5 ,
A deposit/withdrawal management device comprising a collection instruction means for instructing collection of store sales proceeds of the store stored in the deposit/withdrawal machine. 電子決済手段を備え、店舗に設置されて現金の入出金を行う入出金機と、前記入出金機に通信回線を介して接続される入出金管理装置と、を備えた入出金管理システムの入出金管理方法であって、
前記入出金機は、
前記店舗の店舗利用金融機関への送金対象となる前記店舗の店舗売上金の額と前記店舗を特定するための識別情報とを含む第１の情報を前記入出金管理装置に送信し、
前記店舗の利用者が前記電子決済手段を用いて出金した現金の額又は決済した額、及び前記識別情報を含む第２の情報を送信し、
前記入出金管理装置は、
前記第１の情報と前記第２の情報とを識別し、
前記店舗の店舗売上金の額を前記第１の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金し、
前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額を前記第２の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、入出金管理方法。 A deposit/withdrawal management system comprising: a deposit/withdrawal machine equipped with an electronic settlement means and installed in a store for depositing/dispensing cash; A deposit/withdrawal management method,
The deposit/withdrawal machine
transmitting to the deposit/withdrawal management device first information including the amount of store sales of the store to be remitted to the store-use financial institution of the store and identification information for specifying the store;
transmitting second information including the amount of cash withdrawn or settled by the user of the store using the electronic payment means and the identification information;
The deposit/withdrawal management device
identifying the first information and the second information;
remittance of the store sales amount of the store to the account of the financial institution using the store specified from the identification information included in the first information ;
The store-use finance in which the amount of cash withdrawn or settled using the electronic payment means, which has been withdrawn from the account of the user's financial institution, is specified from the identification information included in the second information. A deposit/withdrawal management method that transfers money to an institution's account . 請求項７に記載の入出金管理方法において、
前記入出金管理装置は、前記入出金機に保管された前記店舗の店舗売上金の回収を指示し、
前記入出金管理システムは、前記回収の指示に基づいて、前記入出金機に保管された前記店舗の店舗売上金を回収する現金回収センターを備え、
前記現金回収センター、前記入出金機及び前記入出金管理装置を警備輸送会社が管理する、入出金管理方法。 In the deposit/withdrawal management method according to claim 7 ,
The deposit/withdrawal management device instructs collection of store sales proceeds of the store stored in the deposit/withdrawal machine,
The deposit/withdrawal management system includes a cash collection center that collects store sales proceeds of the store stored in the deposit/withdrawal machine based on the collection instruction,
A deposit/withdrawal management method, wherein a security transportation company manages the cash collection center, the deposit/withdrawal machine, and the deposit/withdrawal management device. 電子決済手段を備え、店舗に設置されて現金の入出金を行う入出金機に、通信回線を介して接続される入出金管理装置の入出金管理方法であって、
前記店舗の店舗利用金融機関への送金対象となる前記店舗の店舗売上金の額と前記店舗を特定するための識別情報とを含む第１の情報を前記入出金機から受信し、
前記店舗の利用者が前記電子決済手段を用いて出金した現金の額又は決済した額、及び前記識別情報を含む第２の情報を前記入出金機から受信し、
前記第１の情報と前記第２の情報とを識別し、
前記店舗の店舗売上金の額を前記第１の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金し、
前記利用者の金融機関の口座から引き落とされた、前記電子決済手段を用いて出金した現金の額又は決済した額を前記第２の情報に含まれる前記識別情報から特定される前記店舗利用金融機関の口座に送金する、入出金管理方法。 A deposit/withdrawal management method for a deposit/withdrawal management device connected via a communication line to a deposit/withdrawal machine equipped with electronic payment means and installed in a store for depositing/dispensing cash,
receiving from the depositing/dispensing machine first information including the amount of store sales of the store to be remitted to the store-use financial institution of the store and identification information for specifying the store;
receiving second information including the amount of cash dispensed or settled by the user of the store using the electronic payment means and the identification information from the deposit/withdrawal machine;
identifying the first information and the second information;
remittance of the store sales amount of the store to the account of the financial institution using the store specified from the identification information included in the first information ;
The store-use finance in which the amount of cash withdrawn or settled using the electronic payment means, which has been withdrawn from the account of the user's financial institution, is specified from the identification information included in the second information. A deposit/withdrawal management method that transfers money to an institution's account . 請求項９に記載の入出金管理方法において、
前記入出金機に保管された前記店舗の店舗売上金の回収を指示する、入出金管理方法。
In the deposit/withdrawal management method according to claim 9 ,
A deposit/withdrawal management method for instructing collection of store sales proceeds of the store stored in the deposit/withdrawal machine.
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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000137869A (en) 1998-10-29 2000-05-16 Glory Ltd Sale money circulation system
JP2010086159A (en) 2008-09-30 2010-04-15 Glory Ltd Cash register settlement system
JP2017010099A (en) 2015-06-17 2017-01-12 グローリー株式会社 Money management device and currency management system
JP2017037608A (en) 2015-08-16 2017-02-16 株式会社 Ｒｅａｌ Ｏｎｅ Ｔｅｃｈｎｏｌｏｇｙ Proceeds remittance system and proceeds remittance method
JP2018151809A (en) 2017-03-13 2018-09-27 グローリー株式会社 Money handling system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000137869A (en) 1998-10-29 2000-05-16 Glory Ltd Sale money circulation system
JP2010086159A (en) 2008-09-30 2010-04-15 Glory Ltd Cash register settlement system
JP2017010099A (en) 2015-06-17 2017-01-12 グローリー株式会社 Money management device and currency management system
JP2017037608A (en) 2015-08-16 2017-02-16 株式会社 Ｒｅａｌ Ｏｎｅ Ｔｅｃｈｎｏｌｏｇｙ Proceeds remittance system and proceeds remittance method
JP2018151809A (en) 2017-03-13 2018-09-27 グローリー株式会社 Money handling system

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