WO2019003864A1 - Système de gestion de fonds, dispositif de gestion, équipement terminal et procédé de gestion de fonds - Google Patents

Système de gestion de fonds, dispositif de gestion, équipement terminal et procédé de gestion de fonds Download PDF

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Publication number
WO2019003864A1
WO2019003864A1 PCT/JP2018/022095 JP2018022095W WO2019003864A1 WO 2019003864 A1 WO2019003864 A1 WO 2019003864A1 JP 2018022095 W JP2018022095 W JP 2018022095W WO 2019003864 A1 WO2019003864 A1 WO 2019003864A1
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WO
WIPO (PCT)
Prior art keywords
data
money
terminal device
unit
payment
Prior art date
Application number
PCT/JP2018/022095
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English (en)
Japanese (ja)
Inventor
裕子 上田
めぐみ 杉江
Original Assignee
グローリー株式会社
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by グローリー株式会社 filed Critical グローリー株式会社
Publication of WO2019003864A1 publication Critical patent/WO2019003864A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • 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.
  • 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
  • the payment specification data stored in the storage unit is updated based on the payment data.
  • 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.
  • 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
  • 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.
  • 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.
  • 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 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
  • 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 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 display unit 31 is a display device such as a liquid crystal panel
  • 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 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 bill processing unit 35b is a unit for depositing and debiting bills.
  • 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.
  • it becomes necessary to dispense money it is possible to draw out the banknotes from the storage unit of the denomination.
  • 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 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.
  • the automatic transaction apparatus 30 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).
  • 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.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention traite le problème de la prévention de détournement de fonds par un gestionnaire financier gérant des fonds d'un tiers qui ont été déposés dans une institution financière ou dans un établissement similaire. Un agent d'établissement A active un terminal mobile (10) en sa possession pour transmettre des données de transaction de déboursement à un dispositif de gestion (20) (étape S1), le dispositif de gestion (20) génère des données de déclaration de déboursement correspondant aux données de transaction de déboursement (étape S2), transmet les données de transaction au terminal mobile (10) (étape S3) et transmet des données d'instruction de déboursement à un dispositif de transaction automatisé (30) (étape S4). Ensuite, si le terminal mobile (10) est amené à proximité du dispositif de transaction automatisé (30), le dispositif de transaction automatisé (30) acquiert un code de transaction et spécifie une quantité qui peut être déboursée (étape S5), capture une image faciale à l'aide d'une caméra (étape S6) et débourse l'argent à hauteur de la quantité déboursable (étape S7).
PCT/JP2018/022095 2017-06-27 2018-06-08 Système de gestion de fonds, dispositif de gestion, équipement terminal et procédé de gestion de fonds WO2019003864A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2017-125464 2017-06-27
JP2017125464A JP2019008662A (ja) 2017-06-27 2017-06-27 金銭管理システム、管理装置、端末装置及び金銭管理方法

Publications (1)

Publication Number Publication Date
WO2019003864A1 true WO2019003864A1 (fr) 2019-01-03

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PCT/JP2018/022095 WO2019003864A1 (fr) 2017-06-27 2018-06-08 Système de gestion de fonds, dispositif de gestion, équipement terminal et procédé de gestion de fonds

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JP (1) JP2019008662A (fr)
WO (1) WO2019003864A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP7063931B2 (ja) * 2020-03-27 2022-05-09 株式会社三井住友銀行 支援システム、方法、およびプログラム

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH0668339A (ja) * 1992-08-19 1994-03-11 Oki Electric Ind Co Ltd 電子ジャーナルシステム
JP2005031748A (ja) * 2003-07-07 2005-02-03 Fujitsu Ltd 資産管理プログラム及び資産管理装置
JP2006048604A (ja) * 2004-08-09 2006-02-16 Fujitsu Ltd 預金口座管理システム、預金口座管理方法、およびコンピュータプログラム
JP2010198266A (ja) * 2009-02-25 2010-09-09 Oki Electric Ind Co Ltd 自動取引装置
JP2016018394A (ja) * 2014-07-08 2016-02-01 株式会社日立製作所 現金取引処理システムおよび現金取引処理方法

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH0668339A (ja) * 1992-08-19 1994-03-11 Oki Electric Ind Co Ltd 電子ジャーナルシステム
JP2005031748A (ja) * 2003-07-07 2005-02-03 Fujitsu Ltd 資産管理プログラム及び資産管理装置
JP2006048604A (ja) * 2004-08-09 2006-02-16 Fujitsu Ltd 預金口座管理システム、預金口座管理方法、およびコンピュータプログラム
JP2010198266A (ja) * 2009-02-25 2010-09-09 Oki Electric Ind Co Ltd 自動取引装置
JP2016018394A (ja) * 2014-07-08 2016-02-01 株式会社日立製作所 現金取引処理システムおよび現金取引処理方法

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
KOIZUMI, SADAHIRO, BUSINESS ANALYSIS AND INTERNAL CONTROL NOT OVERLOOKING CORPORATE FRAUD, 10 October 2015 (2015-10-10), pages 300 *

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