WO2019003864A1

WO2019003864A1 - Funds management system, management device, terminal device, and funds management method

Info

Publication number: WO2019003864A1
Application number: PCT/JP2018/022095
Authority: WO
Inventors: 裕子上田; めぐみ杉江
Original assignee: グローリー株式会社
Priority date: 2017-06-27
Filing date: 2018-06-08
Publication date: 2019-01-03
Also published as: JP2019008662A

Abstract

The present invention addresses the problem of preventing embezzlement by a financial manager managing funds of a third party that have been deposited in a financial institution or the like. A facility staff A operates a mobile terminal 10 in his/her possession to transmit disbursement transaction data to a management device 20 (step S1), the management device 20 generates disbursement statement data corresponding to the disbursement transaction data (step S2), transmits the transaction data to the mobile terminal 10 (step S3), and transmits disbursement instruction data to an automated transaction device 30 (step S4). Subsequently, if the mobile terminal 10 is brought near to the automated transaction device 30, the automated transaction device 30 acquires a transaction code and specifies an amount that can be disbursed (step S5), captures a facial image with a camera (step S6), and disburses currency in the disbursable amount (step S7).

Description

Money management system, management device, terminal device and money management method

The present invention relates to a money management system, management apparatus and terminal capable of preventing wearing by a money manager who manages the money of a third party deposited in a financial institution etc. (hereinafter simply referred to as "money"). The present invention relates to an apparatus and a money management method.

Conventionally, an adult guardianship system has been established to legally support and assist adults who do not have sufficient judgment ability due to dementia etc. (hereinafter referred to as "guardian"), and this system is legally based on the Civil Code. Includes guardianship (guard, assistance, assistance) and voluntary guardianship under the Act on Guardianship Agreements. For example, an adult guardian (hereinafter referred to as a "guardian") appointed by a family court manages assets such as money of a guardian. In addition, the optional guardian manages assets such as money of the guardian based on the optional guardian contract with the custodian who is the principal.

As described above, there are many cases in which guardians and the like manage assets such as the money of the guardian and the like, there is known a technique for the guardian and the like to efficiently manage the money of the guardian and others (see, for example, patent document 1). . By using such conventional technology, it is possible to efficiently manage third party money and the like which are difficult to manage with general accounting software.

JP 2004-326300 A

However, Patent Document 1 is based on the premise that the guardian etc. properly manages the money of the guardian, and it is possible to cope with the case in which the guardian etc. improperly and unfairly dressed the guardian of the guardian difficult. In particular, when a guardian is resident in a nursing home, etc., there are many cases where facility staff such as the nursing home manage the tenant's money as a deposit as a substitute for the guardian, such a case. Then, there is a possibility that the facility staff may wear the custodian's money.

For this reason, it is an important issue how to prevent the situation in which the money of the guardian by the guardian etc. including the facility staff is improperly dressed.

The present invention has been made to solve the above-mentioned problems of the prior art, and can prevent wearing by a money manager who manages the money of a third party deposited in a financial institution or the like. An object of the present invention is to provide a money management system, a management device, a terminal device and a money management method.

In order to solve the above-mentioned problems, according to the present invention, there is provided a terminal device operated by a money manager who manages the money of a third party deposited in a financial institution or the like, and the terminal connected communicably to the terminal device A money management system comprising: a management device that performs money withdrawal processing in response to a request from the device, wherein the management device is configured to calculate payment details data in response to a money withdrawal request from the terminal device. A generation unit to be generated, a storage unit to store payment specification data generated by the generation unit, and a transaction data notification unit to notify the terminal device of transaction data.

Further, according to the present invention, in the above-mentioned invention, the management apparatus further comprises a withdrawal instruction data notification unit for notifying a predetermined automatic transaction apparatus of withdrawal instruction data according to the withdrawal request, The transaction apparatus receives a notification of the withdrawal instruction data from the management device, and performs withdrawal processing for dispensing money corresponding to the withdrawal instruction data on the condition that the transaction data is received from the terminal device. Characterized in that it comprises a unit.

Further, according to the present invention, in the above-mentioned invention, the automatic transaction apparatus further comprises a payment data notification unit for notifying the management device of payment data including the payment result by the payment processing unit, the management device When the payment data is received from the automatic transaction apparatus, the payment specification data stored in the storage unit is updated based on the payment data.

Further, in the present invention according to the above-mentioned invention, the automatic transaction apparatus further includes an imaging unit for imaging the money manager, and the payment data notification unit is a payment including the image captured by the imaging unit. Data is notified to the management device.

Further, according to the present invention, in the above-mentioned invention, the terminal device notifies the management device of evidence data corresponding to the transaction data, and the management device is based on the evidence data notified from the terminal device. And updating the withdrawal statement data corresponding to the transaction data.

Further, in the present invention according to the above-mentioned invention, the terminal device further comprises a reading unit for reading payment transaction specification information printed on a predetermined medium, and the payment transaction specification information read by the reading unit is The management apparatus is notified as evidence data.

Further, according to the present invention, in the above-mentioned invention, the management apparatus is configured to select the money when payment detail data corresponding to the transaction data is not updated for a predetermined period based on the evidence data notified from the terminal device. This is notified to a predetermined terminal device operated by the upper manager who manages the manager.

Further, the present invention is characterized in that, in the above-mentioned invention, the management device further comprises a planned performance data generation unit for generating planned performance data relating to the annual balance schedule based on the evidence data.

Further, according to the present invention, in the above-mentioned invention, when there is a difference exceeding a predetermined amount between scheduled data and actual data in each item included in the scheduled actual data, the management apparatus An item, schedule data and performance data are notified to a predetermined terminal device operated by a high-level manager who manages the money manager, regarding an item in which a difference in performance data is generated as an unnatural withdrawal. It is characterized by

Further, according to the present invention, in the above-mentioned invention, the management device authenticates the legitimacy of a money manager who operates the terminal device using predetermined authentication information received from the terminal device, and the authentication result is The terminal device further comprises an authentication processing unit for notifying the terminal device that the terminal device is notified of the authentication result to the effect that the money manager is valid from the management device on condition that the management device receives the money. The apparatus is characterized by comprising a withdrawal request unit that makes a withdrawal request.

Further, according to the present invention, in the above-mentioned invention, when the money manager is not changed beyond a predetermined period registered in advance, the management device generates the payment specification data by the generation unit and And / or notifying of the transaction data is not performed.

Further, the present invention is characterized in that, in the above-mentioned invention, the management device stores the payment details data in a storage unit in association with a predetermined administrative and other business management item.

Further, the present invention is communicably connected to a terminal device operated by a money manager who manages the money of a third party deposited in a financial institution or the like, and outputs money in response to a request from the terminal device. A management apparatus for performing money processing, including: a generation unit that generates withdrawal statement data in response to a withdrawal request for money from the terminal device; and a storage unit that stores withdrawal statement data generated by the generation unit And a transaction data notification unit for notifying the terminal device of transaction data.

Further, according to the present invention, an imaging unit for imaging a money manager who manages the money of a third party deposited in a financial institution or the like, an authentication processing unit for authenticating the money manager, and the authentication processing unit And a withdrawal request corresponding to the payment operation received by the money manager who has been subjected to authentication processing, and a withdrawal request corresponding to the withdrawal operation accepted by the withdrawal operation acceptance unit to the predetermined management device And a dispensing request unit.

Further, according to the present invention, there is provided a terminal device operated by a money manager who manages the money of a third party deposited in a financial institution or the like, a terminal device communicably connected to the terminal device, and responding to requests from the terminal device. A money management system in a money management system having a management device for performing money withdrawal processing, wherein the management device generates withdrawal specification data in response to a money withdrawal request from the terminal device Generating step, storing step in which the managing device stores the payment statement data generated in the generating step in a storage unit, and transaction data notifying step in which the managing device notifies the terminal device of transaction data And including.

According to the present invention, it is possible to efficiently prevent the arrival of money by a money manager who manages the money of a third party deposited in a financial institution or the like.

. FIG. 1 is an explanatory view for explaining the concept of the money management system according to the present embodiment. FIG. 2 is a functional block diagram showing the configuration of the portable terminal shown in FIG. FIG. 3 is a diagram showing an example of withdrawal transaction data, transaction data, and evidence data. FIG. 4 is a functional block diagram showing the configuration of the management apparatus shown in FIG. FIG. 5 is a diagram showing an example of payment specification data and payment instruction data. FIG. 6 is a functional block diagram showing the configuration of the automated teller machine shown in FIG. FIG. 7 is a sequence diagram showing a processing procedure of pre-processing for facility staff to withdraw money. FIG. 8 is a sequence diagram showing a processing procedure when facility staff uses the automatic transaction apparatus to withdraw money and the like.

Hereinafter, preferred embodiments of a money management system, a management device, a terminal device, and a money management method according to the present invention will be described in detail with reference to the attached drawings. In the embodiment shown below, a case will be mainly described where facility staff manages money deposited by a resident such as dementia who enters a care facility etc. with a financial institution as a money manager. However, the present invention is not limited to the case where such facility staff manage money of tenants, and guardians, assistants, assistants, minor guardians, supervisors, etc. may be third parties such as guardians etc. It can also be applied when managing money.

First, the concept of the money management system according to the present embodiment will be described. FIG. 1 is an explanatory view for explaining the concept of the money management system according to the present embodiment. Facility staff A shown in the same figure manages financial balance (money) deposited in financial institutions owned by adults (hereinafter simply referred to as "residents") such as dementia entering nursing homes. It is a

First, as a preparation step, facility staff A mails a copy of the tenant's property list and the annual income and expenditure schedule to the management center, and the manager of the management center associates it with an ID uniquely identifying the tenant. , OCR registration of the resident's personal information, property list, annual income and expenditure schedule and the like in the management device 20. In addition, the facility where tenants move in, facility manager, property manager (facility staff A), guardian, password, etc. are registered. By performing such registration, the facility staff A can withdraw the deposit and savings of the resident while performing the processing described below.

Specifically, as shown in FIG. 1, the facility staff A operates the portable terminal 10 owned by the facility staff A to transmit withdrawal transaction data to the management device 20 (step S1). The withdrawal transaction data includes the tenant's ID and information on the tenant's financial institution's account (a financial institution code, a branch code, an account number, etc.), an expenditure item code, a withdrawal amount, etc. Here, although the case where payment transaction data is transmitted to the management device 20 using the application installed in the portable terminal 10 will be described, the web page provided by the management device 20 is accessed using the web browser of the portable terminal 10 You can also enter the above items on this web page. The information on the account of the tenant's financial institution may be registered in advance in the management device 20 and may be excluded from the withdrawal transaction data.

When the management device 20 receives the withdrawal transaction data, the management device 20 generates withdrawal statement data corresponding to the withdrawal transaction data (step S2). This withdrawal specification data is data used when verifying whether the withdrawal by facility staff A is appropriate, and includes a plurality of items. Each item can be associated with the management item of the administrative report such as guardianship. Such payment details data can be displayed, for example, on a tenant my page of a dedicated site provided by the management center, so that tenants and guardians can check. In addition, the detailed description of such payment specification data will be described later.

Thereafter, the management device 20 transmits transaction data to the mobile terminal 10 (step S3). This transaction data is data such as a two-dimensional bar code which is required when facility staff A dispenses money using an automatic teller machine (ATM; Auto Teller Machine), and the transaction code and the object of withdrawal are The identification code etc. of the automatic transaction apparatus 30 are included. Further, the management device 20 transmits withdrawal instruction data to the automatic transaction device 30 (step S4). This withdrawal instruction data is data for facility staff A to withdraw money from the automatic transaction apparatus 30, and includes a transaction code, an amount that can be withdrawn, and the like.

Thereafter, when the facility staff A brings the portable terminal 10 to visit the automatic transaction apparatus 10 and brings the portable terminal 10 close to the automatic transaction apparatus 30, the automatic transaction apparatus 30 acquires a transaction code (step S5). Capturing the face image of the dispensing operator (facility staff A) with the camera attached to the automatic transaction apparatus 30 (step S6), it is possible to withdraw included in the dispensing instruction data notified from the management apparatus 20 in advance The money of the amount is dispensed (step S7). It should be noted that the money of the money that can be paid out may be processed on the condition that the face image captured in step 6 and the face image of the money manager registered in the management device 20 match or correspond to each other. it can.

The payment data including the face image captured by the camera is transmitted to the management device 20 (step S8), and the management device 20 updates the payment specification data based on the payment data (step S9). By including the face image of the person who has withdrawn the payment in the withdrawal specification data, it is for leaving the evidence of the dispenser.

Further, when the management apparatus 20 receives evidence data including image data such as a receipt from the portable terminal 10 (step S10), the management apparatus 20 updates the payment specification data based on the evidence data (step S9). Here, a case where facility staff A actively transmits evidence data including image data such as a receipt to management device 20 will be described. However, in response to a request from management device 20, evidence data is managed as management device 20. It can also be configured to reply to

By performing the above-described series of processing, when facility staff A pays out the resident's money, payment specification data including a withdrawal history is generated. It will be possible to curb illegal payments. In particular, since the "cash deposit" customary for nursing care facilities etc. is eliminated and the facility staff A can withdraw as needed, it is possible to solve the problem of deposit of deposit funds by the facility staff etc. It becomes possible. Further, by generating such withdrawal detail data, a guardian who entrusts facility management with money management can submit a proper guardianship administrative report to a family court.

Here, although the detailed description is omitted for convenience of explanation, when facility staff A accesses management device 20 using portable terminal 10, authentication processing of facility staff A's legitimacy is performed, and Access to the management apparatus 20 will be permitted on condition that it has been authenticated as being present.

<Configuration of Mobile Terminal 10>
Next, the configuration of the mobile terminal 10 shown in FIG. 1 will be described. FIG. 2 is a functional block diagram showing the configuration of the portable terminal 10 shown in FIG. As shown in the figure, the portable terminal 10 includes an operation display unit 11, a camera 12, a communication interface unit 13, a storage unit 14, and a control unit 15.

The operation display unit 11 is an input / output device such as a touch panel liquid crystal panel, for example, and the camera 12 is an imaging unit for capturing an image or a video. The communication interface unit 13 is an interface unit for performing communication such as LTE (Long Term Evolution) communication, Wifi communication, Bluetooth (registered trademark) communication, infrared communication, etc., which are communication standards for mobile phones.

The storage unit 14 is a storage device such as a hard disk drive or a flash memory, and stores payment transaction data 14a, transaction data 14b, evidence data 14c, and the like. The withdrawal transaction data 14a is data to be transmitted when making a withdrawal request to the management apparatus 20, and as shown in FIG. 3A, information on the account of the tenant's financial institution (a financial institution code, Branch code, account number, etc.), expenditure item code, withdrawal amount, etc. are included.

The transaction data 14b is data transmitted from the management device 20, and as shown in FIG. 3B, includes a transaction code, an identification code of the automatic transaction device 30 to be a transaction object, and the like. The evidence data 14c is data transmitted to the management apparatus 20, and as shown in FIG. 3C, is data including image data such as a transaction code, a receipt, and the like.

The control unit 15 is a control unit that entirely controls the mobile terminal 10, and includes an operation reception unit 15a, an authentication request unit 15b, a withdrawal transaction processing unit 15c, a transaction data processing unit 15d, and an evidence data processing unit 15e. In practice, programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded on the CPU and executed to execute the operation reception unit 15a, the authentication request unit 15b, The withdrawal transaction processing unit 15c, the transaction data processing unit 15d, and the evidence data processing unit 15e execute the corresponding processes.

The operation receiving unit 15 a is a receiving unit that receives various operations by the operator, and more specifically, receives the operation content operated on the operation display unit 11. Specifically, the authentication request operation of the operator, the withdrawal request operation, the money withdrawal operation or the evidence operation to be described later will be accepted.

The authentication request unit 15b is a processing unit that requests the management apparatus 20 to authenticate whether the operator is a legitimate facility staff member A who is registered in advance. Here, when the authentication request operation (including the ID of the operator and the password) is received by the operation reception unit 15a, the ID and the password are transmitted to the management device 20. The management device 20 determines whether the password of the operator is correct, and notifies the portable terminal 10 of the determination result.

The withdrawal transaction processing unit 15 c is a processing unit that generates withdrawal transaction data 14 a on the condition that the authentication result to the effect that the operator is valid is received from the management device 20, and transmits the payment transaction data 14 a to the management device 20. Specifically, if the operation acceptance unit 15a accepts the tenant's financial institution code, branch code, account number (including normal / temporary), withdrawal amount, withdrawal transaction data 14a including these information Generate

If transaction data processing unit 15 d receives transaction data 14 b from management device 20, it stores transaction data 14 b in storage unit 14, and if operation accepting unit 15 a accepts a money dispensing operation, the storage unit It is a processing part which transmits transaction data 14b memorized by 14 to automatic transaction device 30. The password necessary for the withdrawal of money is also transmitted to the automatic transaction apparatus 30.

The evidence data processing unit 15e activates the camera 12, causes the operator to capture an image such as a receipt, and stores the evidence data 14c including the captured image, when the evidence receiving operation is received by the operation receiving unit 15a. 14 is a processing unit that stores this evidence data 14c to the management device 20 while storing it in S14. Here, for convenience of explanation, when facility staff A who is the operator purchases a product for a withdrawal amount, the camera 12 voluntarily picks up a receipt etc. of the product and sends it to the management device 20. However, it may be configured to transmit the evidence data 14c in response to a request from the management device 20.

<Configuration of Management Device 20>
Next, the configuration of the management device 20 shown in FIG. 1 will be described. FIG. 4 is a functional block diagram showing the configuration of the management device 20 shown in FIG. As shown in the figure, the management device 20 includes an input unit 21, a display unit 22, a communication interface unit 23, a storage unit 24, and a control unit 25.

The input unit 21 is an input device such as a keyboard or a mouse, the display unit 22 is a display device such as a liquid crystal panel, and the communication interface unit 23 is for communicating with the portable terminal 10 or the automatic transaction apparatus 30 or the like. It is an interface unit.

The storage unit 24 is a storage device such as a hard disk drive or a flash memory, and stores authentication data 24 a, payment specification data 24 b, payment instruction data 24 c, and the like. The authentication data 24a is reference data registered in advance for performing an authentication process of the operator, and here is data in which the ID of the operator is associated with the personal identification number.

The withdrawal specification data 24b is data indicating the withdrawal specification by the operator, and as shown in FIG. 5A, the transaction code, the user ID, the item, the withdrawal amount, the face image of the recipient of money, the receipt Includes images of books, etc. Here, for convenience of explanation, the case where there is one expenditure item is shown, but a plurality of expenditure items can also be included. Also, this item is an item associated with the management item of the administrative report such as guardianship.

The withdrawal instruction data 24c is data transmitted from the management device 20 to the automated teller machine 30, and includes a transaction code and a possible withdrawal amount as shown in FIG. 5 (b). The withdrawal instruction data 24 c is data for enabling withdrawal of money in response to a request from the portable terminal 10 in the automatic transaction apparatus 30.

The control unit 25 is a control unit for overall control of the management apparatus 20, and includes an authentication processing unit 25a, a payment specification data generation unit 25b, a transaction data notification unit 25c, a payment instruction data notification unit 25d, and a payment specification data. It has an update unit 25e. In practice, programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded on the CPU and executed to generate the authentication processing unit 25a and payment specification data generation. The unit 25b, the transaction data notification unit 25c, the withdrawal instruction data notification unit 25d, and the withdrawal statement data update unit 25e execute the corresponding processes.

The authentication processing unit 25a is a processing unit that authenticates whether the user is valid or not based on the user ID and the password included in the authentication request data received at the time of the authentication request from the portable terminal 10. Specifically, it is determined whether the password received from the terminal device 10 matches or corresponds to the password included in the authentication data 24a stored in advance in the storage unit 24. If the password matches or corresponds, the user ID The user of is determined to be valid. It should be noted that "corresponds" means that when the password received from the terminal device 10 is included in the password group included in the authentication data 24a stored in advance in the storage unit 24, both passwords are substantially determined as determined according to a predetermined rule. It means, for example, that they match.

The payment specification data generation unit 25 b is a processing unit that generates the payment specification data 24 b shown in FIG. 5A. By generating withdrawal statement data 24b that includes items associated with administrative items such as guardianship and administrative reports, the evidence will be withdrawal statements when facility staff A unfairly withdraws from tenants' deposits and savings. Since it is included in the data 24b, it is possible to prevent unauthorized withdrawal in advance.

The transaction data notification unit 25 c is a processing unit that notifies the portable terminal 10 of transaction data 14 b including a transaction code and an identification code of the automatic transaction apparatus 30. The reason why the transaction data 14b is notified to the portable terminal 10 is to allow the facility staff A to pay out money with the automatic transaction apparatus 30.

The withdrawal instruction data notification unit 25 d is a processing unit that notifies the automatic transaction apparatus 30 of withdrawal instruction data 24 c including the transaction code and the possible withdrawal amount. The reason for notifying the withdrawal instruction data 24 c is to allow withdrawal of money of the amount of withdrawal possible when the automatic transaction apparatus 30 receives the transaction data 14 b from the portable terminal 10.

The payment specification data updating unit 25e, when receiving payment data (including a face image) from the automatic transaction apparatus 30, updates the payment specification data 24b using the face image included in the payment data. I do. When the evidence data 14c is received from the portable terminal 10, the payment specification data 24b is updated using an image such as a receipt included in the evidence data.

<Configuration of Automated Trading Device 30>
Next, the configuration of the automatic transaction apparatus 30 shown in FIG. 1 will be described. FIG. 6 is a functional block diagram showing the configuration of the automatic transaction apparatus 30 shown in FIG. As shown in FIG. 6, the automatic transaction apparatus 30 includes a display unit 31, an input unit 32, a card reader 33a, a code reader 33b, a camera 34, a passbook processing unit 35a, a bill processing unit 35b, a coin processing unit 35c, financial network communication And a communication interface unit 36b, a storage unit 37, and a control unit 38.

The display unit 31 is a display device such as a liquid crystal panel, and the input unit 32 is an input device such as a keyboard or a touch panel used for an input operation by the operator. The display unit 31 and the input unit 32 may be integrated as a touch panel display.

The card reader 33a is used to read a cash card. The code reader 33 b is used to read a dispensing code. For example, if the dispensing code is a two-dimensional barcode, the code reader 33b reads the two-dimensional barcode.

The camera 34 is an imaging unit that captures a face image of an operator who operates the automated transaction apparatus 30, and payment data including the face image captured by the camera 34 is notified to the management device 20. This is because the face image of the person who received the money dispensed from the automatic transaction apparatus 30 is included in the payment details data 24b. The camera 34 and the code reader 33b can be used in combination.

The passbook processing unit 35a receives the input of the passbook and writes the transaction history. Further, the passbook processing unit 35a stores a new passbook, and can carry forward the passbook and issue a new one.

The bill processing unit 35b is a unit for depositing and debiting bills. When the bill processing unit 35 b receives insertion of a bill, the bill processing unit 35 b identifies the denomination and number of the inserted bill and stores the denomination. In addition, when it becomes necessary to dispense money, it is possible to draw out the banknotes from the storage unit of the denomination.

The coin processing unit 35c is a unit that deposits and withdraws coins. When the coin processing unit 35c receives the insertion of the coin, the coin processing unit 35c identifies the denomination and number of the inserted coin, and stores the denomination. In addition, when it becomes necessary to dispense, coins can be drawn out from the storage unit of the denomination and dispensed. The financial network communication unit 36 a is an interface unit for performing data communication with the server device of the financial system. The communication interface unit 36 b is an interface unit for communicating with the management device 20.

The storage unit 37 is a storage device such as a hard disk drive or a non-volatile memory, and stores the amount-of-money data 37a and the payment instruction data 37b. The amount data 37a indicates the amount of money of the money stored in the bill processing unit 35b and the coin processing unit 35c. The withdrawal instruction data 37 b is data notified from the management device 20, and includes an amount that can be withdrawn and the like.

The control unit 38 is a control unit that entirely controls the automatic transaction apparatus 30, and includes an account transaction execution unit 38a, a withdrawal amount management unit 38b, a transaction code processing unit 38c, and a withdrawal data processing unit 38d. In practice, programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded on the CPU and executed to execute the account transaction execution unit 38a, the amount of money that can be withdrawn. The management unit 38b, the transaction code processing unit 38c, and the payment data processing unit 38d execute the corresponding processes.

The account transaction execution unit 38a is a processing unit that executes various transactions using a cash card, a passbook, and the like. Specifically, when the card reader 33a receives a cash card, or when the passbook processing unit 35a receives a passbook, an account is specified from the cash card or the passbook, and a transaction is performed on the account.

For example, in the case of a transfer transaction, the input unit 32 receives input of a personal identification number, a transfer destination, and an amount, and performs transfer via the financial network communication unit 36a. Further, in the case of a withdrawal transaction, the input unit 32 receives the input of the personal identification number and the amount of money, and the banknote processing unit 35b dispenses money. In the case of a deposit transaction, deposit is performed from the bill processing unit 35b and the coin processing unit 35c. In addition, when the transfer, payment or withdrawal is performed in a state where the passbook is received, the contents of the transaction are entered in the passbook and discharged. When a passbook entry operation is accepted, an unfilled transaction is acquired via the financial network communication unit 36a, entered in the passbook, and discharged.

When the possible withdrawal amount management unit 38 b receives the withdrawal instruction data 24 c from the management device 20, the possible withdrawal amount management unit 38 b stores the withdrawal instruction data in the storage unit 37 and the possible withdrawal amount included in the withdrawal instruction data. Manage The money of the possible withdrawal amount is a state in which the withdrawal by the transaction code is reserved, and the remainder excluding the sum of the possible withdrawal amount from the amount of money is the money which can be withdrawn from the own device.

The transaction code processing unit 38c is a processing unit that executes withdrawal based on the transaction code. Specifically, when the portable terminal 10 displaying the transaction code is intercepted by the code reader 33b, the transaction code processing unit 38c reads the transaction code and transmits it to the management device 20 via the communication interface unit 36b.

When the transaction code is read, the withdrawal data processing unit 38d captures an image of the face of the person who receives the money dispensed from the automatic transaction apparatus 30 with the camera 34, and if the money is dispensed, the face is processed. The payment data including the image is transmitted to the management device 20. This is because the face image of the person who has received the money is included in the withdrawal specification data 24b to clarify that the unauthorized third party has not paid out the money.

<Processing procedure of pre-processing>
Next, pre-processing for facility staff A to withdraw money will be described. FIG. 7 is a sequence diagram showing a processing procedure of pre-processing for facility staff A to withdraw money. Here, for convenience of explanation, the description of the authentication process of the operator using the portable terminal 10 is omitted.

As shown in the figure, when the operator of the portable terminal 10 performs an operation to withdraw the desired amount from the deposit account of the resident (step S101; Yes), on the operation screen of the portable terminal 10 The payment transaction data 14a including the input financial institution code, branch code, account number, spending item code, withdrawal amount and the like is generated and transmitted to the management apparatus 20 (step S102). In addition, when performing an authentication process of an operator, payment | withdrawal transaction data 14a will be produced | generated and it will transmit to the management apparatus 20 on condition that an operator is valid.

When receiving the withdrawal transaction data 14a, the management device 20 generates the withdrawal statement data 24b based on the withdrawal transaction data 14a and stores the same in the storage unit 24 (step S103).

Thereafter, the management device 20 generates transaction data 14b including the transaction code and the identification code of the financial institution (or the financial institution code and the branch office code) for the mobile terminal 10, and transmits it to the mobile terminal 10 (step S104). The portable terminal 10 receiving the transaction data 14b stores the transaction data 14b in the storage unit 14 (step S105).

Further, the management device 20 transmits withdrawal instruction data 24c including the transaction code and the amount of withdrawal possible to the automatic transaction device 30 (step S106), and the automatic transaction device 30 having received the withdrawal instruction data 24c dispenses the money. The gold instruction data 24c is stored in the storage unit 37 (step S107).

By performing the above series of processing, preparation for withdrawal of money is completed, and the facility staff A brings the portable terminal 10 and moves to a financial institution in which the automatic transaction apparatus 30 is installed, and uses this automatic transaction apparatus 30. It is possible to withdraw money, which will be described later.

<Processing procedure for money withdrawals>
Next, a processing procedure in the case where facility staff A uses the automatic transaction apparatus 30 to withdraw money, etc. will be described. FIG. 8 is a sequence diagram showing a processing procedure when facility staff A uses the automatic transaction apparatus 30 to withdraw money and the like.

As shown in FIG. 8, when facility staff A selects the money dispensing process on the operation screen of portable terminal 10 (step S201; Yes), the transaction code included in transaction data 14b transmitted from management device 20 Are transmitted by near field communication etc., and the automatic transaction apparatus 30 is made to acquire a transaction code (step S202).

After acquiring the transaction code, the automatic transaction apparatus 30 specifies the amount of money that can be withdrawn corresponding to the transaction code (step S203), and activates the camera 34 to capture a face image of the operator (step S204). ). Thereafter, the money of the possible withdrawal amount is dispensed (step S205), and payment data including the face image is transmitted to the management device 20 (step S206). When the management apparatus 20 receives the payment data, the management apparatus 20 updates the payment specification data 24b to reflect the face image (step S207).

If facility staff A purchases a product using money, the receipt of the product is imaged (step S208), and evidence data 14c including the imaged image is transmitted to the management apparatus 20 (step S209). ). When the management device 20 receives the evidence data 14c, the management device 20 updates the payment statement data 24b so as to reflect the image (step S210).

By performing the above-described series of processing, the facility staff A can properly dispense money as a money manager from a resident's bank account or the like. At this time, since the payment specification data 24 b is generated and updated, it is possible to prevent fraud.

As described above, in the present embodiment, when the facility staff A dispenses money from the tenant's bank account or the like, the management apparatus 20 generates the withdrawal specification data 24b and the face image of the dispenser And the receipt image etc. is reflected in the withdrawal statement data 24b, so if the facility staff A illegally applies the money of the resident, the situation will be discovered by referring to the withdrawal statement data 24b. As a result, dressing by facility staff A can be prevented in advance. Also, in particular, the “cash deposit” customary in nursing homes etc. is eliminated, and facility staff A can dispense as needed, thus eliminating the problem of deposit of deposit by facility staff etc. It becomes possible.

Although the above embodiment has been described from the viewpoint of generating the appropriate withdrawal statement data 24b, the management device 20 generates schedule / results data relating to the annual income and expenditure schedule based on the evidence data 14c. If there is a difference exceeding the predetermined amount between the planned data and the actual data in each item included in the planned / actual data, the item in which the difference between the planned data and the actual data is generated is unnatural withdrawal and It is also possible to notify the mobile terminal such as a guardian who has entrusted management of the facility staff A with the item, schedule data and performance data.

For example, the amount of each item included in the annual schedule registered for the tenant at the preparation stage is used as schedule data, and the accumulated amount of money actually paid out for the item is used as actual data, If the difference with the actual data exceeds 100,000 yen, it will be determined that an unnatural withdrawal has occurred. However, the amount of each item included in the annual schedule is only the planned amount planned in advance, and does not necessarily reflect the actual situation exactly. It is also possible to estimate by this method and use this estimation result as scheduled data.

In addition, the management center, which is a third-party organization, is based on the property inventory, the annual income and expenditure schedule, and the payment details data 24b (items described in guardianship and administrative report etc.) It can also be configured to issue a “certificate that staff A has not made an unauthorized withdrawal”.

In addition, the management apparatus 20 is configured not to generate payment statement data and / or to notify transaction data when the facility staff A has not been changed beyond a predetermined period registered in advance. You can also. The facility staff A needs to be changed regularly, and if it is not changed for a fixed period of time, there is a possibility that fraud may occur.

Also, although the above embodiment has described the case where facility staff A manages the money of the tenants of the facility, the present invention is not limited to this, and guardians, assistants, assistants, minor guardians The same applies to the case where a supervisor or the like manages the money of a third party such as a guardian or the like.

Although the above embodiment has described the case where authentication processing is performed on the management apparatus 20 based on the ID and password of the operator, the present invention is not limited to this, and personal characteristics such as face images etc. It is also possible to perform an authentication process using In addition, the management device other than the management device 20 or the portable terminal 10 can perform the authentication process. When the user authentication is completed by another application or the like, the authentication process may be omitted.

In addition, the operating company that operates the management device 20 can directly conclude a guardianship support contract with the customer and provide a service, and position the operating company as a third-party certification organization commissioned by the judiciary or the government. You can also.

In addition, each configuration illustrated in the above embodiment is functionally schematic, and does not necessarily have to be physically configured as illustrated. That is, the mode of distribution and integration of each device is not limited to that shown in the drawings, and all or a part thereof is functionally or physically dispersed or integrated in any unit according to various loads, usage conditions, etc. It can be configured.

The money management system, the management device, the terminal device, and the money management method according to the present invention are useful for preventing dressing by a money manager who manages the money of a third party deposited in a financial institution or the like.

DESCRIPTION OF SYMBOLS 10 Mobile terminal 11 Operation display unit 12 Camera 13 Communication interface unit 14 Storage unit 14a Withdrawal transaction data

14b Transaction data

14c Evidence data 15 Control unit 15a Operation reception unit 15b Authentication request unit 15c Withdrawal transaction processing unit 15d Transaction data processing unit 15e Evidence data processing unit 20 management device 21 input unit 22 display unit 23 communication interface unit 24 storage unit 24a authentication data 24b withdrawal statement data 24c withdrawal instruction data 25 control unit 25a authentication processor 25b withdrawal statement data generation unit 25c transaction data Notification unit 25d Payment instruction data notification unit 25e Payment specification data update unit 30 Automatic transaction device 31 Display unit 32 Input unit

33a Card reader

33b Code reader 34 Camera 35a Passbook processing unit 35b Banknote processing unit 35 Coin processing unit 36a financial network communication portion 36b communication interface unit 37 storage unit 37a cash data 37b payment instruction data 38 control unit 38a account transaction execution section 38b dispensing Amounts management unit 38c transaction code process unit 38d dispensing data processing unit

Claims

A terminal device operated by a money manager who manages the money of a third party deposited in a financial institution or the like, and a communicablely connected with the terminal device, the money being dispensed in response to a request from the terminal device A money management system having a management device for performing processing,
The management device is
A generation unit configured to generate withdrawal specification data in response to a withdrawal request for money from the terminal device;
A storage unit for storing payment specification data generated by the generation unit;
And a transaction data notification unit for notifying the terminal device of transaction data.
The management device is
The system further comprises a withdrawal instruction data notification unit that notifies withdrawal instructions data according to the withdrawal request to a predetermined automatic transaction apparatus,
The automated teller machine
It has a withdrawal processing unit that accepts notification of the withdrawal instruction data from the management device, and withdraws money corresponding to the withdrawal instruction data, on the condition that the transaction data is accepted from the terminal device. The money management system according to claim 1, characterized in that.
The automated teller machine
It further comprises a payment data notification unit for notifying the management device of payment data including the payment result by the payment processing unit,
The management device is
The money management system according to claim 2, characterized in that, upon receipt of the payment data from the automatic transaction apparatus, the payment specification data stored in the storage unit is updated based on the payment data. .
The automated teller machine
It further comprises an imaging unit for imaging the money manager,
The payment data notification unit
The money management system according to claim 3, wherein payment data including an image captured by the imaging unit is notified to the management device.
The terminal device is
Notifying the management device of evidence data corresponding to the transaction data;
The management device is
5. The money management system according to any one of claims 1 to 4, wherein the payment statement data corresponding to the transaction data is updated based on the evidence data notified from the terminal device.
The terminal device is
It further comprises a reading unit that reads payment transaction specification information printed on a predetermined medium,
The money management system according to claim 5, wherein the payment transaction specification information read by the reading unit is notified to the management device as the evidence data.
The management device is
A predetermined terminal device operated by a high-level administrator who manages the money manager, when the payment statement data corresponding to the transaction data is not updated for a predetermined period based on the evidence data notified from the terminal device The money management system according to claim 5 or 6, wherein the money management system is notified to that effect.
The management device is
The money management system according to any one of claims 5 to 7, further comprising: a planned performance data generation unit configured to generate planned performance data related to the annual balance schedule based on the evidence data.
The management device is
If a difference exceeding the predetermined amount exists between the planned data and the actual data in each item included in the planned actual data, the item in which the difference between the planned data and the actual data occurs is regarded as an unnatural withdrawal. The money management system according to claim 8, wherein the item, the schedule data and the performance data are notified to a predetermined terminal device operated by a higher manager who manages the money manager.
The management device is
The system further comprises an authentication processing unit that authenticates the legitimacy of a money manager who operates the terminal device using predetermined authentication information received from the terminal device, and notifies the terminal device of an authentication result.
The terminal device is
It is characterized in that it comprises a withdrawal request unit that makes a withdrawal request for money to the management device on condition that the authentication result to the effect that the money manager is valid is notified from the management device. The money management system according to any one of claims 1 to 9.
The management device is
The money manager is not characterized by not generating payment statement data and / or notifying the transaction data by the generator when the money manager has not been changed beyond a predetermined period registered in advance. The money management system according to any one of Items 1 to 10.
The management device is
The money management system according to any one of claims 1 to 11, wherein the payment specification data is stored in the storage unit in association with a predetermined administrative and other business management item.
A management apparatus connected communicably to a terminal device operated by a money manager who manages the money of a third party deposited in a financial institution etc., and performing money withdrawal processing in response to a request from the terminal device And
A generation unit configured to generate withdrawal specification data in response to a withdrawal request for money from the terminal device;
A storage unit for storing payment specification data generated by the generation unit;
And a transaction data notification unit for notifying the terminal device of transaction data.
An imaging unit for imaging a money manager who manages the money of a third party deposited in a financial institution or the like;
An authentication processing unit that authenticates the money manager;
A dispensing operation receiving unit for accepting a dispensing operation by a money manager who has been authenticated as valid by the authentication processing unit;
And a dispensing request unit that makes a dispensing request corresponding to the dispensing operation received by the dispensing operation receiving unit to a predetermined management device.
A terminal device operated by a money manager who manages the money of a third party deposited in a financial institution or the like, and a communicablely connected with the terminal device, the money being dispensed in response to a request from the terminal device A money management method in a money management system having a management device for processing
A generation process in which the management device generates payment specification data in response to a payment request for money from the terminal device;
A storage process in which the management apparatus stores the payment specification data generated in the generation process in a storage unit;
And a transaction data notifying step of notifying the terminal device of transaction data.