WO2006013905A1

WO2006013905A1 - Simplified cash dispensing system and its constituent device, cash dispensing method using automatic vending machine, and computer program

Info

Publication number: WO2006013905A1
Application number: PCT/JP2005/014247
Authority: WO
Inventors: Tsuyoshi Sakai; Daiya Itani
Original assignee: M Factory Corporation
Priority date: 2004-08-02
Filing date: 2005-07-28
Publication date: 2006-02-09
Also published as: JP2006048252A; JP4634091B2

Abstract

A simplified cash dispensing system for enabling a user to receive cash dispensed at a nearby place through simple procedures even when cash is needed urgently. A CDS (cash dispensing service) server (4) is installed in a wide-area network, and a cash dispensing mechanism is additionally assembled into an automatic vending machine (5). The CDS server (4) generates a specified amount dispensation permission code for permitting dispensation of an amount of money specified by a user operating a portable telephone (1) and stores the code in the portable telephone (1). When the user transmits the specified amount dispensation permission code stored in the portable telephone (1) to a nearby automatic vending machine (5), the specified amount of money is dispensed from the automatic vending machine (5). The dispensed money is refund to the installer of the automatic vending machine (5) through the CDS server (4) and a financial institute system (7).

Description

Simple cash-out system and component device thereof, cash-out method using vending machine, computer program

The present invention relates to a simplified cash dispensing system and its components that provide a service for dispensing cash from a familiar location to a user in a simple procedure when there is a sudden cash demand. Fine 1

book

Background of the Invention

In the past, as a countermeasure against sudden cash demands, users have been sent to banks to perform prescribed procedures at their reception desks, or to install an automatic machine or machine (ATM) installed at a prescribed location. ), Or a cash dispenser (CD) is generally used. In the case of the former, the procedure is based on a passbook and registration seal, and in the case of the latter, it is assumed to be used with cash strength. In either case, the use of the user is limited, such as in early mornings / nights, weekends and public holidays, except in some cases, where the installation location is limited, and congestion occurs during use concentration. Therefore, there are many inconvenient points. Recently, Internet banking has become widespread, and it is possible to inquire about the balance of deposit and savings accounts and transaction details from any location on a mobile phone or other mobile terminal, and to transfer or transfer money. However, INYUNAI NET BANKING is a remote service that is limited to electronic processing, so it is impossible to pay out cash. One way to eliminate this inconvenience is to increase the absolute number of ATMs or CDs (hereinafter referred to as “ATMs”) and install them in the user's living area. It may be possible to extend the available time of ATMs. This is difficult to achieve with conventional ATMs. Because it is necessary to store a large amount of banknotes and coins for dealing with high-value transactions in ATMs, etc., high security measures to prevent theft crimes are required, and the cost burden is enormous. It is. Especially for unattended ATMs, etc. As theft crimes using aircraft are also expected to increase, countermeasures are also required. From the standpoint of the user, the present invention can receive cash at a nearby location with a simple procedure when there is a sudden cash demand. From the standpoint of the service operator, the cost of equipment development The main challenge is to provide a new cash-out infrastructure that can control both operating costs and operating costs. Disclosure of the invention

In order to solve the above-mentioned problems, the present invention provides a simplified cash dispensing system, a cash dispensing support server, a vending machine, a cash dispensing unit for a vending machine, a cash dispensing method, and a computer evening program.

The simplified cash payout system provided by the present invention inputs an amount specified by a user who operates a portable terminal having a memory, and allows the payout of the input amount of cash without performing user authentication. A first code is generated, the generated first code is recorded in a memory of the mobile terminal, and further, the payment processing of the specified amount is performed by a payment method specified by a user of the mobile terminal A server, and when the first code recorded in the memory is received from the portable terminal, the amount of cash specified by the first code is paid out and the settlement of the amount of cash is requested to the server And vending machines.

Unlike ATMs, vending machines with a large number of installations and relatively long working hours can be used as a cash receipt window, and the first code is sent from the mobile terminal to the vending machine. You can receive a specified amount of cash from the vending machine without performing user authentication, so that you can obtain cash quickly even when sudden cash demand occurs. Become.

The vending machine is installed, for example, on a street, a store, or a place where services are provided. The vending machine includes a contactless communication unit that performs contactless communication with the portable terminal, and is configured to receive the first code through the contactless communication unit. Since the first code can be transmitted by non-contact communication, the intended purpose can be achieved without having to bother to connect the mobile terminal to the vending machine, and users can use this system. Motivation can be increased. The non-contact communication unit includes, for example, an infrared communication unit for performing infrared communication with the portable terminal, a wireless communication unit for performing wireless communication with a non-contact IC chip included in the portable terminal, The RFID is a RFID communication unit for performing RFID communication with a radio frequency identification (RFID) communication device provided in the portable terminal. Since these are all prevalent for simple non-contact communication, implementation of the present invention can be promoted.

The non-contact communication unit may be a two-dimensional code reader that reads a two-dimensional code displayed on the display of the portable terminal. By using a two-dimensional code as a medium, necessary information can be transmitted (communication) without radiating radio waves. In addition, the amount of information to be transmitted can be increased as compared with wireless communication.

In one embodiment of the present invention, the cash allowed to be withdrawn from the vending machine is cash in a monetary unit used for sale in the vending machine. As a result, it is possible to divert the cash that is sequentially inserted into the vending machine, and this has the advantage of reducing the number of cash replenishments.

The vending machine may be installed and operated by an organization independent of the financial institution handling the cash to be paid out. Because it is so-called petty cash, management by such an organization becomes easy.

The cash withdrawal support server provided by the present invention corresponds to the “server” of the simple cash withdrawal system described above, and is connected to a portable terminal having a memory and a financial institution system operated by a financial institution via a network. A communication means for performing communication, and a first code for permitting the cash-out of a specified amount from the portable terminal via the communication means without performing user authentication, and the generated first code Code management means for recording one code in the memory of the portable terminal, and cash of the amount specified by the first code when the first code recorded in the memory is received from the portable terminal. A vending machine having a payout mechanism accepts a cash settlement processing request for the amount paid out, and the financial institution system is based on the accepted settlement processing request. And a payment means for performing a payment process with the system.

These components can also be realized by causing a computer to read and execute the computer program of the present invention. Such a conquest —Evening programs are recorded on portable recording media such as CD-ROMs, and are installed in the evenings as appropriate.

The vending machine provided by the present invention is a vending machine that sells the right to receive goods or services without human intervention, and controls the cash storage mechanism, the cash dispensing mechanism, and the operation of these mechanisms. A non-contact communication means for performing non-contact communication between the control means and the mobile terminal; and a first for allowing cash withdrawal from the mobile terminal through the non-contact communication means without performing user authentication. When the code is received, an instruction is issued to the control means for the amount of cash specified by the received first code to be withdrawn from the cash storage mechanism and withdrawn from the cash dispensing mechanism. And a processing means for requesting the server which provided the first code to the mobile terminal for the settlement processing of the paid-out amount of cash. By using the above components as a unit for cash vending machines for vending machines, existing vending machines can be used as they are as devices for cash dispensing.

The cash payout method provided by the present invention includes a mobile terminal having a memory, a server that performs bidirectional communication with the mobile terminal, and non-contact communication between the mobile terminal and cash payout A method executed in cooperation with a vending machine equipped with a mechanism, wherein the mobile terminal sends, to the server, payout request data including an amount specified by a user operating the mobile device and a payment method specification. Transmitting, and when the server generates a first code for allowing the specified amount of cash to be paid out without performing user authentication based on the payout request data received from the mobile terminal. Both the step of recording the generated first code in the memory of the portable terminal, and the portable terminal selling the first code recorded in the memory by the contactless communication as described above. The vending machine receiving the first code pays out the amount of cash specified by the first code and requests the server to settle the amount of cash paid out. And a server for accepting the payment process, wherein the server performs a payment process for the designated amount by the designated payment method. . Brief Description of Drawings FIG. 1 is an overall configuration diagram of a cash dispensing system to which the present invention is applied.

Figure 2 shows the hardware configuration of the CDS server.

FIG. 3 is a functional configuration diagram of the CDS server.

Figure 4 shows the configuration of the vending machine CD.

Fig. 5 is an explanatory diagram of the pre-registration procedure in the cash-out system.

FIG. 6 is an explanatory diagram of the procedure of the payout request (# 1) in the cash payout system. FIG. 7 is an explanatory diagram of the procedure of the withdrawal request (# 2) in the cash withdrawal system. FIG. 8 is an explanatory diagram of the procedure of the payout request (# 3) in the cash payout system. FIG. 9 is an explanatory diagram of the procedure of the payout request (# 4) in the cash payout system. FIG. 10 is an explanatory diagram of the procedure for cash withdrawal (# 1) in the cash withdrawal system. FIG. 11 is an explanatory diagram of the procedure for cash withdrawal (# 2) in the cash withdrawal system. FIG. 12 is a diagram showing a transition example of the display screen of the mobile phone.

FIG. 13 is an explanatory diagram of the structure of various data used in the cash dispensing system. FIG. 14 is a diagram for explaining the relevance of the database structure.

FIG. 15 is a diagram for explaining the data structure of the payout processing information DB. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described.

[Outline of the present invention]

According to the present invention, a vending machine (hereinafter referred to as a “vending machine CD”) preferably having a cash dispensing unit as a device for restricting the handling amount to petty cash and dispensing petty cash to a user. It is a simplified cash-out system that provides such a cash-dependence service (CDS) that uses the system and simplifies the procedure when users receive cash from the vending machine CD.

“Little cash” refers to cash that is lower than cash handled by ATMs established by banks and other financial institutions. Conceptually, it assumes the amount of money that a typical office worker can put in his wallet, for example, several thousand yen, several hundred yen, and at most tens of thousands of yen (by multiple use). Preferably, the amount of cash used for selling the right to enjoy goods or services on the vending machine CD, such as one or more thousand-yen bills or five hundred The coin is less than yen. By using such a small amount of cash, it is very convenient to use the cash entered by the person who purchased the product.

By restricting to small cash in this way, it is possible to reduce the risk of cash theft accidents, simplify the mechanism for cash withdrawal, and reduce security risks in service operations. In other words, since the banknotes and coins stored as stock at the time of payout are small, it is possible to reduce the motivation for a malicious person to engage in fraud with a great deal of labor and risk. As a result, production, installation, management and operation costs can be reduced compared to conventional ATMs.

In addition, by using a vending machine CD with a cash dispensing unit added to the vending machine, it is possible for the service operator to reduce the cost of developing a new device for cash dispensing, and to promote the implementation of the present invention. Can also be expected. Compared to conventional ATMs, vending machines such as food and drink, cigarettes, books, ticket vending machines, and checkout machines in parking lots are tens or hundreds of times as many. There are various installation locations such as streets, stores, stations, etc., and they can be used in longer periods than conventional ATMs. By using vending machines that are widely used in this way as the vending machine CD, it is expected to construct a much more convenient cash withdrawal infrastructure than conventional ATMs.

Simplification of the procedures performed by the user is realized by completing a procedure for cash withdrawal in advance between a mobile terminal owned by the user, for example, a mobile phone, and a server provided on a wide area network. .

More specifically, the user operates the mobile phone to send information for identifying the user and payout request data including the amount (specified amount) desired to be paid out to the server. The mobile phone receives the code for accepting the specified amount of cash payment, that is, the specified amount payment authentication code, and stores the specified amount payment authentication code in the memory of the mobile phone. Then, at any point in time, just send it to the vending machine CD, and you will be able to receive the specified amount of cash from the vending machine CD. A configuration example of the cash dispensing system of the present invention based on the above viewpoint will be specifically described below. <Overall configuration>

FIG. 1 is a diagram showing an example of the overall configuration of the cash dispensing system of the present invention. This cash dispensing system includes a mobile phone 1 operated by a user, a plurality of relay stations 2 for connecting the mobile phone 1 and a host station 3 via a wired communication path L 1, and each relay station 2. Mobile phone host 3 to connect to wide area network L 3 through wired communication path L 2, cash withdrawal support server (hereinafter referred to as “CDS server”) provided in wide area network L 3 4, wide area network Personal computers that can be connected to L 3 (hereinafter referred to as “PCs”) 6, Multiple vending machines deployed on the streets CD 5, CDS server 4 and financial institution system connected via payment network L 4 (all Silver system, CAFIS, etc.)

The wide area network is a public communication network such as the Internet. The vending machine CD 5 and the CDS server 4 are preferably connected by a wired communication path or a wireless communication path L 5, but it is not always necessary to do so. — It is also possible to record the data on a portable recording medium such as ROM and transfer the portable recording medium to connect them both indirectly by batch processing.

The cellular phone 1 has a memory, a processor, a display, a data communication function (including Internet connection and mail communication), and an infrared communication function for two-way infrared communication with the vending machine CD 5. Is. The data communication function and the infrared communication function are, for example, those provided in an “i-mode” mobile phone provided by NTT DoCoMo, Inc. The mobile phone 1 accesses the CDS server 4 via the mobile phone Web server published on the Internet by the CDS server 4 by the data communication function. Infrared communication is performed via the infrared communication port of the mobile phone 1. The relay station 2 is a wireless transmitter / receiver provided for each region, and the host station 3 is a wired transmitter / receiver provided for each relay station 2.

CDS Server 4 is a financial institution that handles cash to be paid out, and vending machines. It is operated by a service provider that is an independent organization from those who provide products. In other words, it is operated by a company independent of banks and credit companies. However, since the present invention is focused on creating an infrastructure that allows cash to be paid out in a familiar place, it does not always have to be so.

FIG. 2 is a hardware configuration diagram of the CDS server 4. The CDS server 4 includes an example of a processor (CPU) 40, a ROM 41 in which a basic control program for constructing an environment necessary for execution of the CPU 40, a system memory 42 composed of RAM, and an example of oral storage. Communication interface (hereinafter referred to as “I / F”) for connecting to hard disk device (HD) 43, wide area network, L3, wired communication path L4, wired communication path or wireless communication path L5 ) 44, I / O I / F 45 that controls the input / output of data to / from devices such as display, keyboard, and printer.

In the system memory 42, a mobile phone control program, a financial institution connection control program, a vending machine CD connection control program, a Web server program, and a mail server program are sequentially deployed from HD and executed by the CPU 40. The HD43 stores a DB (DB is an abbreviation for database; the same applies hereinafter) control program. This DB control program is a program for controlling recording, updating, and deletion of the user information DB 431 and the payout processing information DB 432. The HD 43 also stores a dedicated application (AP) to be provided to the mobile phone 1.

In the CDS server 4, various functions for performing information processing for the CDS are formed by the CPU 40 executing various programs developed in the system memory 42.

FIG. 3 is a functional configuration diagram constructed in the CDS server main body.

As shown in FIG. 3, in the CDS server 4, a mobile phone connection control unit 411 that controls connection to the mobile phone 1 by executing a mobile phone control program, and a dedicated AP is loaded on the connected mobile phone 1. Dedicated AP throat processing unit 401, user information registration processing unit 402 for registering data in the user information DB 431, Payment request acceptance confirmation processing unit 403 for confirming the contents of the withdrawal request data when it is accepted, and a withdrawal request reception registration processing unit 404 for registering the accepted withdrawal request data in the withdrawal processing information DB 432, designation to be described later A function of the designated amount payment acceptance code creation processing unit 407 for performing processing such as creation of the amount payment acceptance code is formed.

The CDS server 4 also includes a financial institution connection control unit 413 by executing a financial institution connection control program, a withdrawal request registration processing unit 405 for registering a bow I drop request to the user information DB 432, and also a withdrawal request. The function of the bow I drop result registration processing unit 4 06 for registration is formed.

The CDS server 4 further includes a vending machine CD connection control unit 415 and a payout content confirmation processing unit 408 for checking the payout contents recorded in the payout processing information DB 432 by executing the vending machine CD connection control program. The function of the payout content result update processing unit 409 for updating the payout content (result) recorded in the processing information DB 432 is formed.

The vending machine CD 5 may be an existing vending machine to which a dedicated cash dispensing unit is added later, or a cash dispensing unit mounted on the vending machine from the beginning. Here, a configuration example in the latter case will be described.

Figure 4 shows the hardware configuration of the vending machine CD 5, especially the cash-out and unit that includes the unit as the main part. Vending machine CD 5 has a processor (CPU) 501, a ROM 502 that records basic control programs for building the execution environment of CPU 5001, a system memory of CPU 501 and a RAM 503 that is a unique memory, and a date and time counter. Real-time 'clock (RTC) 504, and a record that defines rules such as the maximum withdrawal amount for each time, receipt processing records of designated amount authorization codes, withdrawal results, etc., and vending machine CD A storage unit 505 storing a database for managing the number of banknotes / coins in the bank and the deposit / withdrawal history is connected to the internal bus 53. The storage unit 505 is also provided with a medium recording mechanism for reading out a payout history or the like and copying or moving it to a portable recording medium. If the CPU501 is a general-purpose processor that is not a processor (DSP, etc.) specially designed for cash-out, the CPU501 will process information for cash-out. The program to be executed is stored in the storage unit 500. Furthermore, communication unit 5 2 1 is connected to internal bus 5 3 via serial control I / F 5 1 1 and infrared communication unit 5 2 2 is connected via serial control I ZF 5 1 2 Display device control I / F 5 1 3 is connected to display device 5 2 3 and input device control I / F 5 1 4 is connected to input device 5 2 4 CD unit 5 2 5 is connected via serial control I ZF 5 1 5 and control panel (abbreviation of control panel) Input control I ZF 5 1 6 is connected to control panel 5 2 6 Vendor mechanism (VM) VM unit 5 2 7 is connected via control I / F 5 1 7. VM Unit 5 2 7 is also provided in existing vending machines.

Each of the above I / Fs 5 1 1 to 5 1 7 is controlled by C P U 5 0 1 that executes a cash-out process. C PU 5 0 1 also functions as a control means when controlling the operation of each I ZF 5 1 1 to 5 17.

As for the cash storage mechanism, the cash withdrawal mechanism, the denomination sorting mechanism, and the control mechanism that controls these mechanisms, the vending machines generally equipped can be used as they are. . C P U 5 0 1 also controls these control mechanisms.

In addition, a measurement mechanism that measures the amount of bills and coins stored inside is now equipped with an alarm mechanism that outputs an alarm when bills and coins fall below the specified amount. Anyway. Further, a mechanism for notifying the CDS server 4 via the communication unit 5 21 may be added to the measurement result of the measurement mechanism and the alarm output by the alarm mechanism.

The vending machine CD 5 has a unique ID recorded in a table in the ROM 500 2 or the storage unit 500, and when generating various data, the ID is read and their IDs are read. It is designed to be added in the evening.

The communication unit 5 2 1 is a unit for performing bidirectional communication with the CDS server 4, and the infrared communication unit 5 2 2 is bidirectional with the infrared communication port of the mobile phone 1. Infrared communication is performed. Reception of the “designated amount payment acceptance code” to be described later is performed through this communication unit 5 21. The display device 5 2 3 shows whether or not the vending machine CD 5 can be used at a glance, such as “usable”, “transaction”, “unusable”, “cancel transaction” on the screen that becomes the user interface. Is displayed. This display is linked to the balance management function of the vending machine, and the display contents change dynamically. If an error occurs that the full amount or a part of the vending machine CD 5 is not paid out and the vending machine CD 5 detects it with a sensor (not shown), or the vending machine CD 5 cannot detect the completion of the payout process. In the case of vending machine CD 5, the CD function is temporarily suspended, the display of the availability confirmation function is changed to “unusable”, “transaction canceled”, etc. Is displayed.

The input device 5 2 4 is, for example, an evening panel for accepting data input by the user, and the CD unit 5 2 5 is a mechanism for transporting the cash taken out from the cash storage mechanism and the transported cash. A cash outlet for paying out is formed.

Next, an example of the operation mode of the cash dispensing system configured as described above will be described.

[Pre-registration]

When a user uses this system, it is necessary to register personal information in advance and obtain authority information for using the system. Figure 5 shows this pre-registration procedure.

As a premise, the user opens an account in the financial institution system 7 and acquires account information (R 1 1). The financial institution may be a credit institution such as a bank or a post office.

When the account is opened, the user uses the Internet connection function of the mobile phone 1 to access the CDS server 4 via the Web page published by the CDS server 4 on the Internet (R 1 2). On the web page, a service summary including usage rules is posted. When the user browses the contents posted on this Web page and makes an application for service use, the CDS server 4 is connected to the mobile phone connection control unit 4 1 1 and the dedicated AP load processing unit 4 0. 1 (see FIG. 3) is activated to provide the mobile phone 1 with a dedicated AP for enabling service use (R 1 3). Carrying The cellular phone 1 downloads this dedicated AP and installs it in a predetermined memory area.

When the installation of the dedicated AP is completed, the CDS usage environment is established on the mobile phone 1. The user applies for user registration to the CDS server 4 through the screen displayed on the display of the mobile phone 1 by this dedicated AP (R14). At the time of this application, in addition to personal information such as name, address, and telephone number, information on the mobile phone 1 to be used (data communication address, etc.), login password, personal identification number, account information, etc. are required by the system. Send information.

When the CDS server 4 accepts the user registration application, the user information registration processing unit 402 starts up, assigns a user ID, and is specified in the user information DB 431 by the user ID. Form a user information field. In this user information field, the user ID, personal information, CDS authority information, data communication address, etc. are recorded, and the financial institution system 7 is requested to register a service use account for the user (R15 ). When the service use account registration completion notification is received from the financial institution system 7 (R 16), the registered service use account information is added to the user information field in the user information DB 431. Then, together with the service use registration completion notification mail accompanied by the user ID, CDS authority information such as login password and other data is transmitted to the mobile phone 1 (R 17). The cellular phone 1 stores the CDS authority information and the like in a memory. This makes it possible to use services using user ID and DS authority information.

[Payout request # 1]

When there is demand for petty cash, the user first makes a withdrawal request to the CDS server 4 using the data communication function of the mobile phone 1 and receives a designated amount withdrawal acceptance code. Figure 6 shows an example of the procedure in this case.

Referring to FIG. 6, according to the user's operation, the cellular phone 1 starts a login process to the CDS server 4. The login process is a process of establishing communication with the CDS server 4 and transmitting login data to the CDS server 4. A screen 101 in the upper left of FIG. 12 is a display screen of the display of the mobile phone 1 when performing login processing. As shown in this screen 101, the mouth The data here is the login password. The CDS server 4 performs a user authentication process based on the mouth guin pass table transmitted from the mobile phone 1 (P 11). The user authentication process is a process for checking whether or not the login password transmitted from the mobile phone 1 matches the one registered in the user information DB 4 3 1. If the user authentication result is valid, the login process is completed. If the result of the user authentication is invalid, that is, if the login data does not match that registered in advance, the CDS server 4 notifies the mobile phone 1 to that effect and prevents login.

When the login process is completed, as shown in FIG. 12, the user can make a request for payout according to the input reception screen 1 0 2 to 1 0 4 displayed on the display of the mobile phone 1 by the dedicated AP of the mobile phone 1. Enter de overnight. This data is account information and the amount you wish to withdraw. The mobile phone 1 includes, in these data, a header indicating that it is a withdrawal request, information for identifying the user, for example, a user ID received from the CDS server 4 in advance, a withdrawal request date and time, The payout request data is generated by adding other information, and the payout request data is transmitted to the CDS server 4 (P12). The withdrawal request data has a data structure as shown in the upper part of FIG.

The CDS server 4 performs a pre-settlement process with the financial institution system 7 based on the payout request data received from the mobile phone 1 (P 1 3). The pre-settlement process is a process of debiting the specified amount from the service use account managed in the financial institution system7. When the financial institution system 7 receives a notification that the pre-settlement process has been completed (P14), the CDS server 4 uses the specified amount to allow the specified amount of cash to be dispensed without user authentication. A payout acceptance code generation process is performed. This process is, for example, a process for generating a specified amount payment acceptance code having the structure shown in the middle of FIG. This code includes a header indicating that it is a specified amount payment acceptance code, a transaction number (No.) uniquely assigned for each transaction, and an authentication code that proves that the CDS server 4 has authenticated. It includes the specified amount, the date and time of authentication, and usage condition data such as the expiration date and the number of validity. It is named “Code” because it is encapsulated by cryptographic processing. Kasuse and Capse The process is not an essential process for carrying out the present invention.

When the CDS server 4 generates the specified amount payout acceptance code, it saves it in the payout processing information DB 432 and transmits it to the mobile phone 1 (P15).

When the mobile phone 1 receives the specified amount payment acceptance code, it stores it in a predetermined memory area. At this time, the screen displayed on the display of the mobile phone 1 is a confirmation screen 105 as shown in the lower left of FIG. Immediately, when paying out cash, the “Yes” button image is manipulated, otherwise the “No” button image is manipulated.

[Payout request # 2 ~ # 4]

The procedure from receiving the withdrawal request to receiving the specified amount authorization code is not necessarily limited to the example in FIG. 6, but may follow the procedure in FIGS.

In the example of Fig. 7, the pre-settlement processing performed by the CD S server 4 and the financial institution system 7 is performed after the generation of the specified amount payment acceptance code by the CDS server 4 and the transmission to the mobile phone 1 (P 23). This is different from the procedure in Fig. 6 in that it is performed at any time (P24, P25). The example in Figure 7 has the advantage that the user can receive cash quickly.

The example in Fig. 8 is an example in which pre-settlement processing is not performed in the procedure in Fig. 7. In this example, after a CDS server 4 generates a specified amount payment acceptance code and sends it to the mobile phone 1 (P23), it stores the transaction related to the settlement for each user, and based on the contents of this transaction The settlement process is performed between the CDS server 5 and the financial institution system 7 (P 34). The payment process in this case is, for example, a process of adding a specified amount to the fee paid by the user for using the mobile phone 1.

In the example of Fig. 9, login processing to CDS server 4 (user authentication processing in CDS server 4) and input and transmission of withdrawal request data are performed at PC 6 operated by the user (P41, P42), The specified amount payment approval code from the CDS server 4 is received by the mobile phone 1 operated by the user (P43). In this case, it is necessary to install a dedicated AP on PC 6. There is a case.

Note that it is desirable that the login process with PC 6 requires more login data to be input than the login process with the mobile phone 1 described above. In other words, in the login process by the mobile phone 1, only the login password is sufficient as shown in the upper left of Fig. 12. However, in the case of the PC 6, the input time is less than that of the mobile phone 1, While the mobile phone 1 is always owned by the user and cannot be used by a third party, the PC 6 is easy to use by a third party. Security needs to be improved. Some personal information registered in advance in the user information DB 4 3 1 can be entered as login data. However, if security is to be strict, login processing must be performed in advance for users who may operate the PC. It is sufficient to register the special code for the user in the user information DB 4 3 1 and request the input of the special code at the time of mouth guin processing by the PC 6.

[Cash out # 1]

Next, with reference to FIG. 10, an example procedure for cash withdrawal will be described. Cash payment can be triggered by the user operating a button image of “Yes” on the input of a transmission instruction by the user, for example, on the confirmation screen 10 5 in the lower left of FIG.

The cellular phone 1 reads the designated amount payment acceptance code from the memory and transmits it from the infrared port to the infrared communication unit 5 2 2 (see FIG. 4) of the vending machine CD 5 (M 1 1). The destination vending machine C D 5 may be any vending machine C D as long as it is compatible with C D S. Note that the mobile phone 1 does not transmit the designated amount payment acceptance code unless a transmission instruction is input.

The vending machine CD 5 that has received the specified amount payment acceptance code returns an infrared signal indicating the completion of reception to the mobile phone 1, decrypts the contents of the specified amount payment acceptance code, and makes a transaction with the mobile phone 1. Confirmation is performed (M l 2). Specifically, the transaction confirmation process is a process in which the amount recognized by the vending machine CD 5 is displayed on the display of the mobile phone 1 to allow the user to confirm. This amount may be displayed on the user interface unit (display) of the vending machine CD 5. If the user confirms the displayed amount, For example, carrying The execution instruction is transmitted by operating the confirmed button image displayed on the display of the mobile phone 1 (Ml 3).

When the vending machine CD confirms the execution instruction, it performs authority confirmation processing with the CDS server 4 (M14). Specifically, the ID of the vending machine CD 5 is added to the designated amount payment acceptance code and transmitted to the CDS server 4. The CDS server 4 authenticates whether or not the received specified amount payment acceptance code is issued and valid, and if it is valid, returns a notice of confirmation of legitimate authority to the vending machine CD 5 (Ml 5). If the result of certification is unfair, inform the vending machine CD 5 of that fact.

When the vending machine CD 5 receives a notice of confirmation of legitimate authority, it performs a cash withdrawal process. That is, the guidance screen 106 shown in the lower right of FIG. 12 is displayed on the mobile phone 1 and the specified amount of cash is paid out from the CD unit 525. (Ml 6) o The user has an abnormal payout. If the error notification button on the input device 524 of the vending machine CD 5 is pressed, the CDS server 4 can be notified that a processing abnormality has occurred. This error notification button is valid until a predetermined time elapses from when the vending machine CD 5 detects the completion of payout. In addition, in light of the psychological law that users usually make claims only when there is an abnormality, if the error notification button is not pressed after a predetermined time, the vending machine CD 5 Assuming that the processing has been completed, the work is finished.

After that, the vending machine CD5 transmits to the CDS server 4 a payout completion notification with the specified payout amount of the data structure as illustrated in the lower part of FIG. 13 (Ml 7). The processing history related to cash withdrawal is stored in the database in the storage unit 505 and managed.

When the CDS server 4 receives the payout completion notification from the vending machine CD 5, the CDS server 4 performs a post-decision process. In other words, the cash withdrawal status in the transaction is changed to indicate “complete”. Thereafter, the CDS server 4 creates “usage details data” relating to the payout and notifies the mobile phone 1 of this by e-mail. When the mobile phone 1 receives the e-mail, a series of operations for cash withdrawal on the user side is completed.

[Cash withdrawal # 2] The cash withdrawal procedure may be according to Figure 11. The difference from the procedure shown in Fig. 10 is that the authority confirmation process with the CDS server 4 is performed after the cash withdrawal (M24) (M25, M26) o.

It should be noted that the transaction confirmation process and the execution instruction may be input through the input device 524 of the vending machine CD 5 instead of from the mobile phone 1. In this way, the mobile phone 1 only transmits the designated amount payment acceptance code, and the time for cash withdrawal can be shortened.

[DB structure]

As a result of the various information processing related to cash withdrawal in the above procedure, in the CDS server 4, various data are gradually accumulated in the user information DB 431 and the withdrawal processing information DB 432. As the number of users increases, the amount of data that must be managed by the CDS server 4 increases dramatically. Therefore, in the present invention, the structure of the user information DB 431 and the payout processing information DB432 is designed to enable efficient data management. The structure of these DBs is explained below.

FIG. 14 is a diagram showing the relationship between the user information DB 431 and the payout processing information DB432.

The user information DB 431 records, for each user, user ID 4311, user personal information 4313, CDS authority information 4315, mobile phone data communication address 4317, service use account information 4319, and the like. This information is recorded at the time of prior registration by the user (see Figure 5).

The payout processing information DB 432 records history data each time a transaction related to payout processing occurs. In order to efficiently manage this history data, a table in which the user ID 4321 and the history ID 4323 are recorded is provided for each user, and the history ID 4323 in the table of each user is set. The data is linked to the history ID 4333 in the data area and the history data is stored in the data area.

The data area is roughly divided into an area 4335 for managing payout processing information with fixed-length data and an area 4337 for managing with variable-length data. Fixed-length data is, for example, variable length It can be the storage address of history data in the area 4 3 3 7 managed by data. Therefore, even if the size of the history data is indefinite, it is stored in the area 4 3 3 7 that is managed by variable-length data, and the address that is managed by fixed-length data 4

If recorded in 3 3 5, history data can be managed efficiently using memory resources.

Figure 15 shows an example of historical data (items) managed as fixed-length data. In FIG. 15, a 1 0 l to a 1 1 3 are areas managed by variable length data

4 3 3 7 This is the address of the history data for each item.

In such a DB structure, the user information DB 4 3 1 and the withdrawal processing information DB 4 3 2 are linked by the user ID, and furthermore, for each user stored in the withdrawal processing information DB 4 3 2. Since history data can be identified immediately using the history ID paired with the user ID as a key, it can be used efficiently even when the number of users is large. It is possible to manage history data for each person.

[Usage condition setting and usage limit setting of specified amount payment acceptance code]

When the CDS server 4 receives a payout completion notification from the vending machine CD5, the designated amount payout acceptance code described above is deleted from the payout processing information DB433.2 so that it cannot be reused. Accordingly, the CDS server 4 can reissue the designated amount payment acceptance code in response to the request of the mobile phone 1 as long as it does not receive a payment completion notification from the vending machine CD5 by the designated amount withdrawal acceptance code.

In addition, the designated amount withdrawal authorization code is not used for only one cash withdrawal, but it can be set by freely combining the number of times used, period of use, expiration date, etc. Also good. In this case, the setting contents are included as the above-mentioned usage condition data. In addition, a usage limit for the total withdrawal limit may be set in the specified amount withdrawal approval code in the customer information DB 4 31. In this case, when the CDS server 4 sends the specified amount withdrawal approval code to the vending machine CD 5, an arbitrary withdrawal amount can be designated. As described above, when providing a service for one or more cash withdrawals with one designated amount withdrawal authorization code, the designated amount withdrawal authorization code downloaded to the cellular phone 1 is the cellular phone 1 or PC. 6 to access CDS server 4 through the invalidation process at any time. It is desirable for security to be able to do this.

As described above in detail, according to the cash dispensing system of this embodiment, the work that was conventionally performed in front of the ATM or the like is performed in advance on the mobile phone 1 or the like, and the Since cash can be received from the vending machine CD 5 installed in a familiar place, after the demand for cash is generated, the time until the user actually receives cash is shortened. In addition, the user can receive cash from the vending machine CD 5 at any time without worrying about the time zone, so it can easily cope with sudden cash demand. Vending machine CD 5 can be realized simply by adding a dedicated unit to an existing vending machine. From the standpoint of the service operator, the cost of equipment development and operating costs will be reduced. be able to. From the standpoint of vending machine C D 5 vendors, it can be expected that if the vending machine installation is expected to increase by differentiating it from other vending machines by adding the CD function to the vending machine.

, <Modification of the embodiment>

In the above embodiment, an example of using infrared communication as a communication means such as a specified amount payment authentication code between the mobile phone 1 and the vending machine CD 5 has been described. However, a non-contact IC chip or RFID is used. You can also. It is also possible to use a two-dimensional code such as a two-dimensional bar code for transmitting a specified amount payment authentication code. In this case, the vending machine CD 5 must be provided with a two-dimensional code reader that reads the two-dimensional code (image) and decodes the contents.

Further, a function of providing the information recorded in the user information D B 4 3 1 and the payout processing information D B 4 3 2 in response to the inquiry request from the user may be added to the CD server 4.

Also, instead of sending the withdrawal request data from the mobile phone 1 to the CDS server 4, the withdrawal request data from the mobile phone 1 is sent to the vending machine CD 5, and the financial institution system 7 via the CDS server 4 from the vending machine CD 5 You can also take the procedure of making a payment (withdrawal) request and paying out the specified amount of cash from the CD unit 5 2 5 after completing the request.

(1) Cash-out service for internet banking The present invention can be applied to a service in which Internet banking cash is paid out from the vending machine CD 5 by applying the procedure of the payout request # 4 shown in FIG.

(2) In-house vending machine CD

The present invention can be applied not only to a system using the wide area network L 3 but also to a system that is effective only in a company office. In other words, a company installs a plurality of the above-mentioned vending machine CDs 5 in its own business office, and these can be used in a longer time zone than the conventional ATM, etc., with no restrictions on the usage time zone. It can be used as a vending machine CD exclusively for employees. More specifically, a vending machine CD 5 is installed in the office of a company where the manager is resident or has a management system in accordance with it, and the users are limited to employees. As a result, security risks can be significantly reduced compared to vending machine CD 5, which is installed in streets, public facilities, commercial facilities, transportation facilities, etc. be able to.

As a further application of this service for employees, when employees use the vending machine CD 5 as a cash dispenser, in addition to withdrawing the cash that they have dispensed from the user's (employee) account, Provide a service that deducts from the salary scheduled to be paid, or sets a “temporary payment limit” for each employee when the company makes a “temporary payment” to the employee. It is also possible to provide services that allow users to receive temporary payments freely within the range of the maximum amount using CD. When implementing services such as these, a company's accountant can extract or query cash processing transaction data from the CDS server 4 or vending machine CD 5, or link with the company's payment system. It is conceivable to provide a function that can achieve this.

(3) Use mobile phone 1 as cash card or credit card

Only the CDS authority information, etc. is stored in the memory of the mobile phone 1, and the specified amount is entered at the input device 5 2 4 of the vending machine CD 5 that has received the CDS authority information normally. The telephone 1 is connected to the cash card or credit card for the account that the user manages in the financial institution system 7. Can be used.

(4) Cash exchange service for electronic money

As a variation of the above-mentioned cash-out service for Internet banking, the electronic money reading mechanism is provided in the vending machine CD 5, and the electronic money it owns is converted into cash to this reading mechanism. 2 Applies to services that pay out from 5.

(5) Loan cash withdrawal service

The loan execution request data in which the specified account information becomes the loan destination information among the payout request data transmitted from the mobile phone 1 to the CDS server 4 is transmitted. The CDS server 4 performs pre-payment processing or normal payment processing with the borrower, and generates a loan approval code whose contents are almost the same as the specified amount payment acceptance code when the payment processing is completed normally. This is stored in the memory of the mobile phone 1. The user receives from the vending machine CD5 the amount of cash specified at the time of the loan request by sending the loan approval code stored in the mobile phone 1 to the vending machine CD5. Such services can be used for simple cashing and card loans.

According to the present invention, the first code generated by the server can be stored in the memory of the mobile terminal, and the first code can be sent to a vending machine installed on the street or the like to withdraw cash. A unique effect is that it can flexibly respond to sudden cash demand. Withdrawn cash can be settled using any payment method specified by the user, and it is expected that the number of people who use the vending machine will increase as a result for the vending machine installer. Therefore, a convenient infrastructure can be realized for both users and installers of vending machines. Such a vending machine can also be realized by adding a cash-out unit to an existing one, so that the cost can be reduced as compared with a newly developed one. Industrial applicability

The present invention relates to a vending machine that sells merchandise, the right to enjoy services, tickets, etc. without human intervention, and a network computer that includes such vending machine as a component and provides services related to cash withdrawal to users. Available in the system It is.

Claims

The scope of the claims

1. Enter the amount specified by the user who operates the mobile terminal with memory, and generate the first code to allow cash-out of the entered amount without performing user authentication, A server that records the generated first code in a memory of the mobile terminal, and further performs a payment process of the specified amount by a payment method specified by a user of the mobile terminal;

When the first code recorded in the memory is received from the mobile terminal, an amount of cash specified by the first code is paid out and an automatic requesting the server to settle the amount of cash paid out Configured with vending machines,

Simple cash-out system.

2. The vending machine is installed in a street, a store, or a place where services are provided, and the vending machine includes a non-contact communication unit that performs non-contact communication with the portable terminal. The first code is received through the contactless communication unit;

A simplified cash dispensing system according to claim 1.

3. The non-contact communication unit includes an infrared communication unit for performing infrared communication with the portable terminal, and a wireless communication for performing wireless communication with a non-contact IC chip included in the portable terminal. The simplified cash dispensing system according to claim 2, wherein the unit is an RFID communication unit for performing RFID communication with an RFID communication device provided in the portable terminal.

4. The non-angular insect communication unit is a two-dimensional code reader that reads a two-dimensional code displayed on a display of the mobile terminal.

3. A simplified cash dispensing system according to claim 2.

5. The cash allowed to be withdrawn from the vending machine is the amount of cash used for sale in the vending machine.

A simplified cash dispensing system according to claim 1.

6. The vending machine is installed and operated by an organization that is independent of the financial institution handling the cash to be paid out. 6. A simplified cash dispensing system according to claim 5.

7. a communication means for communicating via a network between a portable terminal having a memory and a financial institution system operated by a financial institution;

Generating a first code for permitting a specified amount of cash to be dispensed from the portable terminal via the communication means without performing user authentication, and storing the generated first code in a memory of the portable terminal Code management means to be recorded,

When the first code recorded in the memory is received from the portable terminal, the settlement of the amount of cash paid out from the vending machine having a mechanism for paying out the amount of cash specified by the first code. A settlement means for accepting a processing request, and performing a settlement process with the financial institution system based on the accepted settlement processing request;

Configured with

Cash withdrawal support server.

8. A vending machine that sells the right to enjoy goods or services without human intervention,

A cash storage mechanism, a cash withdrawal mechanism, and a control means for controlling the operation of these mechanisms;

Non-contact communication means for performing non-contact communication with a portable terminal;

When receiving a first code for allowing cash to be dispensed without performing user authentication from the portable terminal through the contactless communication means, the amount of cash specified by the received first code is the cash An instruction to be withdrawn from the storage mechanism and to be withdrawn from the cash dispensing mechanism is output to the control means, and the first code is transferred to the mobile terminal for the settlement of the amount of cash paid out. Configured with processing means for requesting the assigned server,

vending machine.

9. A cash-out unit provided in a vending machine that sells the right to enjoy goods or services without human intervention,

Non-contact communication means for performing non-contact communication with a portable terminal; When receiving a first code for allowing cash to be dispensed without performing user authentication from the portable terminal through the contactless communication means, the amount of cash specified by the received first code is the cash An instruction to be withdrawn from the storage mechanism and to be withdrawn from the cash dispensing mechanism is output to the control means, and the first code is transferred to the mobile terminal for the settlement of the amount of cash paid out. Configured with processing means for requesting the assigned server,

Cash-out unit for vending machines.

10. Automatic equipped with a portable terminal having a memory, a server that performs two-way communication with the portable terminal, and a mechanism that performs non-contact communication with the portable terminal and also pays out cash A method executed in cooperation with a vending machine,

The portable terminal transmitting to the server payment request data including an amount specified by a user operating the portable terminal and a payment method;

The server generates a first code for allowing the specified amount of cash to be dispensed without performing user authentication based on the withdrawal request received from the mobile terminal. Recording the generated first code in the memory of the mobile terminal;

Transmitting the first code recorded in the memory to the vending machine by non-contact communication;

The vending machine receiving the first code pays out the amount of cash specified by the first code and requests the server to settle the amount of cash paid;

The server that has received the request for the settlement process performs the settlement process for the designated amount by the designated settlement method;

Cash withdrawal method using vending machines.

1 1. Communication means for communicating a computer via a network between a portable terminal having a memory and a financial institution system operated by a financial institution,

Generating a first code for permitting a specified amount of cash to be dispensed from the portable terminal via the communication means without performing user authentication, and storing the generated first code in a memory of the portable terminal Code management means to be recorded When the first code recorded in the memory is received from the portable terminal, the amount of cash paid out from the vending machine having a mechanism for paying out the amount of cash specified by the first code. A computer program for functioning as a settlement means that accepts a settlement processing request and performs settlement processing with the financial institution system based on the accepted settlement processing request.