Cash charging system, charging terminal, account management device, and intermediary device

Abstract

To enable users to easily, safely, and reliably top up their balance with cash in a barcode-based prepaid smart payment service.SOLUTION: A cash charging system comprises a charging terminal 20 and an account management apparatus 10. The charging terminal is configured to: display a barcode 51b of transaction information, accept a second operation of a user, and transmit the transaction information to the account management apparatus, enable a third operation to be accepted upon receiving deposit permission information from the account management apparatus; and after the deposit amount has been specified and cash has been inserted, accept the third operation, and transmit deposit information including the deposit amount and the transaction information to the account management apparatus. The account management apparatus transmits the deposit permission information to the charging terminal if the transaction information included in transaction start information is transmitted from the charging terminal after receiving the transaction start information from a mobile terminal 30, and updates the balance of electronic money in account information specified by the transaction start information based on the received deposit information.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a cash charging system, a charging terminal, an account management device, and an intermediary device. [Background technology]

[0002] Smart payment services are services that allow users to pay for products and other items using a portable information processing terminal such as a smartphone (hereinafter referred to as a "portable terminal"), and are provided in three main formats: prepaid, debit card, and credit card. Of these formats, prepaid smart payment services (hereinafter referred to as a "prepaid smart payment service") allow users to pay for products and other items using electronic money that has monetary value. Electronic money is, for example, a unique point system issued by a smart payment service provider, and points generally have equivalent monetary value. Users can then use the electronic money to pay for products and other items at stores and other stores that support the provider's smart payment service.

[0003] One of the advantages of prepaid smart payment services is that even people without credit cards can exchange cash for electronic money. Furthermore, as long as cash is exchanged for electronic money, prepaid smart payment services also have the advantage of preventing commercial transactions in amounts exceeding the user's ability to pay and allowing them to manage spending within a certain budget. Furthermore, unlike debit card and credit card systems, there is no need to register highly confidential information such as credit card information or account information with the smart payment service provider, making them highly secure against information leaks.

[0004] In prepaid smart payment services, the act of a user exchanging cash for electronic money, or the information processing for exchanging cash for electronic money by a computer system that implements the prepaid smart payment service, is generally referred to as "cash charging," and the electronic money added by this cash charging is referred to as the "charge amount." Smart payment services that involve cash charging include a barcode method, in which a barcode is displayed on a mobile device using a service app when purchasing a product and then read by a reader at the store, and a so-called "touch method," in which data communication is performed between a communication device at the store and the mobile device using the well-known NFC (near field communication). The present invention relates to a barcode-based prepaid smart payment service. In order for a user to charge cash using a barcode-based prepaid smart payment service, the user must first install a dedicated application program (hereinafter referred to as the "usage app") for using the service on their mobile device. The user then deposits cash into the charge terminal while operating their mobile device and the charge terminal.

[0005] The balance of electronic money held by users is managed by a server computer on the side of the smart payment service provider. This server computer then communicates with charge terminals and mobile devices, updating each user's electronic money balance based on the content of that communication. The following Patent Document 1 describes a computer system (transaction system) related to the above-mentioned barcode-based prepaid smart payment service. The following Non-Patent Document 1 also describes the cash charging procedure for an actually provided barcode-based prepaid smart payment service. [Prior art documents] [Patent documents]

[0006] [Patent Document 1] Japanese Patent Publication No. 2020-017306 [Non-patent literature]

[0007] [Non-Patent Document 1] Seven Bank, Ltd., "Smartphone ATM (cash charge)", [online], [searched December 14, 2023], Internet<URL:https: / / www.sevenbank.co.jp / personal / atm / spAtm / spAtm_charge.html> [Non-patent document 2] PayPay Corporation, "I want to charge with cash," [online], [searched December 14, 2023], Internet<URL:https: / / paypay.ne.jp / help / c0087 / > Summary of the Invention [Problem to be solved by the invention]

[0008] Essentially, smart payment services are implemented through data communication between mobile devices and the server computer, and between charging terminals and the server computer. The information processing flow for a conventional cash charge in a barcode-based prepaid smart payment service involves a user instructing the charging terminal to exchange cash for electronic money. Upon receiving this instruction, the charging terminal generates information that includes its own identification information and identification information for identifying the transaction. The charging terminal then transmits this information to the server computer and generates a barcode containing the information and displays it on its display. When the user launches the app installed on their mobile device and scans the barcode with their mobile device's camera, the mobile device transmits the information contained in the barcode and information identifying the user to the server computer. The server computer then compares the information received from the charging terminal with the information subsequently received from the mobile device, and associates the electronic money equivalent of the cash deposited in the charging terminal with the mobile device that scanned the barcode. This increases the user's electronic money balance.

[0009] However, in the transaction method described in Patent Document 1 and the cash charging method described in Non-Patent Document 1, when charging cash, the user uses their own mobile device to enter the amount to be exchanged for electronic money and to instruct the exchange. Furthermore, because the typical user interface of a mobile device is a touch panel that doubles as an input device with a small display, the user must operate the numeric keypad to input the amount and check the displayed information within the narrow area of ​​the mobile device's touch panel. This can lead to keystroke errors and misreading of the amount. If a user carefully inputs and outputs information to avoid operating or misreading the information, it will take longer to operate the mobile device, causing subsequent users using the charging terminal to wait. Furthermore, charging terminals generally have an optical film attached to the display to prevent subsequent users or users of adjacent ATMs from peeking at the display. However, very few users use such a film on their own mobile devices. Therefore, if users operate their mobile device for a long time, the content displayed on the mobile device may be seen by other users.

[0010] Therefore, the present invention aims to provide a cash charging system, which is a computer system that minimizes the user's operations and confirmation work on mobile devices and charging terminals so that users can safely and reliably charge cash with the minimum necessary operations in a barcode-based prepaid smart payment service, as well as an account management device, charging terminal, and intermediary device that make up the cash charging system. [Means for solving the problem]

[0011] In order to achieve the above object, a first aspect of the present invention is a cash charging system that is configured by a computer system installed on a communication network and converts a user's cash into electronic money that can be used for smart payment services, A plurality of charging terminals and a plurality of account management devices are included, The charging terminal is The system stores information for identifying the destination of the account management device corresponding to each of the plurality of smart payment services, and includes a user interface, a cash insertion slot, and a cash reading device for calculating the amount of inserted cash; When a user input for selecting one of the plurality of smart payment services is received as a first operation by the user, transaction information including the user's own charging terminal identification information and an unspecified transaction ID is generated, and a barcode describing the transaction information is displayed and output by the user interface, allowing a second operation to be received; When the second operation is received, the transaction information is sent to the account management device corresponding to the smart payment service selected by the first operation as a recipient; When deposit permission information including the transaction information is transmitted in response to the transmitted transaction information, the user interface is enabled to accept a third operation including an input operation of a deposit amount and an operation of inserting cash into the insertion slot; when the deposit amount is input and cash is inserted into the insertion slot and the third operation is accepted, deposit information including the deposit amount and the transaction information is transmitted to the account management device as a recipient; The account management device: storing account information including the balance of electronic money for each of a plurality of users in association with mobile terminal identification information issued to the mobile terminal; When transaction start information including the transaction information described by the barcode and the mobile terminal identification information of the mobile terminal is received as information transmitted from the mobile terminal that read the barcode, account information is identified based on the mobile terminal identification information, When the transaction information originating from the charge terminal is received after the transaction start information is received, the transaction information is Tori If the transaction information is the same as the transaction information included in the withdrawal start information, the deposit permission information is sent to the charge terminal as the recipient, When the deposit information is received, transaction start information including the same transaction information as the transaction information included in the deposit information is identified, and the account information is updated by adding the deposit amount included in the deposit information to the balance of the account information identified based on the mobile terminal identification information attached to the identified transaction start information. It is a cash charging system.

[0013] an intermediary device that mediates data communication between the charging terminal and the account management device; The charging terminal is storing business operator IDs corresponding to each of the plurality of smart payment services; When the second operation is received, the transaction information including the business ID corresponding to the smart payment service selected by the first operation is transmitted to the intermediary device; the intermediary device stores business operator information in which the business operator ID is associated with destination information of the account management device, and charging terminal information in which charging terminal identification information corresponding to each of the plurality of charging terminals is associated with destination information of the charging terminal; Transferring the information received from the charging terminal to the account management device corresponding to the business ID included in the information; forwarding the information received from the account management device to the charge terminal corresponding to the charge terminal identification information included in the information; A cash charging system may also be used.

[0014] Furthermore, the intermediary device is configured to be able to communicate with a mobile terminal, and sends the transaction start information received from the mobile terminal to the account management device corresponding to the business ID included in the transaction start information. transfer The device may be configured to:

[0015] The scope of the present invention also includes the account management device, cash charge, and intermediary device that constitute any of the above cash charge systems. [Effects of the Invention]

[0016] According to the present invention, a cash charging system is provided that is a computer system that minimizes the user's operations and confirmation work on a mobile terminal or charging terminal so that the user can safely and reliably charge cash with the minimum necessary operations in a barcode-based prepaid smart payment service, and the account management device, charging terminal, and intermediary device that constitute the cash charging system are provided. Other effects will be made clear in the description below. [Brief explanation of the drawings]

[0017] [Figure 1] 1 is a diagram showing a network configuration including a cash charging system according to a first embodiment. [Figure 2A] 1 is a diagram showing a schematic configuration of an account management device that constitutes a cash charging system according to a first embodiment. [Figure 2B] 1 is a diagram showing a schematic configuration of a charge terminal constituting a cash charge system according to a first embodiment. [Figure 3] FIG. 2 is a diagram showing the contents of account information managed by the account management device. [Figure 4] FIG. 2 is a diagram showing the flow of data communication and information processing in the account management device, the charge terminal, and the user's mobile terminal, which are included in the network configuration in the first embodiment. [Figure 5A] FIG. 3 is a diagram showing an initial screen displayed by the charge terminal in the first embodiment. [Figure 5B] FIG. 4 is a diagram showing a barcode screen displayed by the charging terminal in the first embodiment. [Figure 5C] FIG. 3 is a diagram showing a charging amount input screen displayed by the charging terminal in the first embodiment. [Figure 5D] FIG. 4 is a diagram showing a deposit guide screen displayed by the charge terminal in the first embodiment. [Figure 5E] FIG. 4 is a diagram showing a charging amount confirmation screen displayed by the charging terminal in the first embodiment. [Figure 5F]FIG. 10 is a diagram showing a statement issuing screen displayed by the charging terminal in the first embodiment. [Figure 5G] FIG. 10 is a diagram showing a transaction completion screen displayed by the charge terminal in the first embodiment. [Figure 6] FIG. 3 is a diagram showing the contents of transaction information generated by the charge terminal in the first embodiment. [Figure 7] FIG. 10 is a diagram showing the contents of transaction start information generated by the mobile terminal in the first embodiment. [Figure 8] FIG. 4 is a diagram showing the contents of deposit permission information generated by the account management unit in the first embodiment. [Figure 9] FIG. 4 is a diagram showing the contents of deposit information generated by the charge terminal in the first embodiment. [Figure 10] FIG. 10 is a diagram showing a network configuration including a cash charging system according to a second embodiment. [Figure 11] FIG. 10 is a diagram showing an initial screen displayed by a charge terminal constituting a cash charge system according to a second embodiment. [Figure 12] FIG. 10 is a diagram showing the contents of transaction information generated by the charge terminal in the second embodiment. [Figure 13] FIG. 10 is a diagram showing a network configuration including a cash charging system according to a modified example of the second embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0018] The present invention will be described with reference to the accompanying drawings. In the drawings used in the following description, the same or similar parts are designated by the same reference numerals, and redundant explanations may be omitted. If a part designated by a reference numeral in one drawing is unnecessary, the same reference numeral may not be designated in other drawings. ===First Example=== <Outline of cash charging system> A cash charging system according to the first embodiment is a computer system that executes various information processes related to cash charging in a barcode-based prepaid smart payment service (hereinafter, sometimes referred to as the "payment service"). FIG. 1 shows a network configuration including a cash charging system 1 according to the first embodiment. The cash charging system 1 according to the first embodiment is composed of one or more charging terminals (hereinafter, sometimes referred to as the "ATM 20") and a server computer (hereinafter, sometimes referred to as the "account management device 10") managed by a payment service provider (hereinafter, sometimes referred to as the "service provider"). A user carries a mobile terminal 30 on which a payment service usage app is installed, and stands in front of the ATM 20 and operates the ATM 20 and their own mobile terminal 30 to charge cash.

[0019] The ATM 20 and the account management unit 10 are configured to be able to communicate data with each other via a predetermined communications network 100, such as a dedicated line or an Internet VPN. The account management unit 10 also communicates data with a mobile terminal 30, on which a user application is running, via the Internet 110. The user application may be, for example, a browser specialized for using a payment service, and the account management unit 10 identifies the correct communication partner from among the many mobile terminals 30 that have accessed it, for example, by performing session management using well-known cookies, and communicates with that mobile terminal 30 via HTTPS. The account management unit 10 connects to the Internet 110 via, for example, a local area network such as a LAN, and the mobile terminal 30 connects to the Internet 110 via a mobile communications network base station, a wireless LAN access point, or the like. In Figure 1, in order to make it easier to understand the differences in data communication paths, the communication network 100 through which the ATM 20 and the account management unit 10 communicate with each other and the Internet 110 through which the account management unit 10 and the mobile terminal 30 communicate with each other are shown separately, but physically the two communication networks (100, 110) may be the same.

[0020] 2A and 2B show the schematic configuration of the account management device 10 and ATM 20 that make up the cash charging system 1. The account management device 10 mainly comprises a control unit 11, a memory unit 12, and a communication unit 13. The account management device 10 shown in FIG. 2A also comprises a user interface 14. The user interface 14 includes an input unit 14a such as a keyboard or mouse, and an output unit 14b such as a display, speaker, or printer.

[0021] The control unit 11 is, for example, a computer main body including a CPU, RAM, and ROM, and the storage unit 12 is a large-capacity storage device (SSD, HDD, etc.). The communication unit 13 has a communication interface that complies with a predetermined standard (such as the IEEE 802.11 standard) and communicates with external computers including the mobile terminal 30 and the ATM 20 via a predetermined communication network 100 or the Internet 110.

[0022] Memory unit 12 stores various information related to the payment service, various programs to be executed by the control unit, etc. Control unit 11 controls each component unit (11-14) of account management device 10 by reading and executing predetermined programs stored in memory unit 12. As a result, account management device 10 communicates data with external computers such as ATM 20 and mobile terminal 30 when charging with cash, and performs various information processing related to cash charging based on the content of that communication.

[0023] The ATM 20 is a standalone computer configured to be able to communicate with the account management unit 10 via the communications network 100, and like the account management unit 10, it is equipped with a control unit 21, a memory unit 22, and a communications unit 23. The ATM 20 also has a user interface 24 that includes various devices (24a-24e) required for receiving user input and outputting information to the user. The main user interface 24 of the ATM 20 is a touch panel 24a that serves as both a display and an input device. Other components of the user interface 24 include a deposit / withdrawal unit 24b with an automatically opening and closing lid for depositing and dispensing cash, a cash reading unit 24c that reads the type of banknotes inserted into the deposit / withdrawal unit 24b and calculates the amount of cash inserted, a card reader 24d that reads and writes information recorded on credit cards and cash cards, and a printer 24e that prints out transaction details and the like. The ATM 20 also includes a telephone 25 so that when a user encounters an unexpected problem with the ATM 20 (such as a paper jam in the printer or failure to read inserted cash), the user can report the problem to the department that manages the ATM 20 (ATM monitoring center) or ask a person in the department for advice on how to resolve the problem. Note that the ATM 20 in the first embodiment is not a device dedicated to cash charging, but is also capable of handling general banking transactions, etc. Of course, the multiple ATMs 20 included in the cash charging system 1 may include one that is specialized for cash charging.

[0024] The mobile terminal 30 held by the user, such as a smartphone, is equipped with a camera for optically reading barcodes and, as described above, has a user application pre-installed. Furthermore, in order to use a payment service, the user pre-registers account information in the account management unit 10, which is required for the authentication procedure that the mobile terminal 30 performs on the account management unit 10. The account information is typically a combination of a user ID (email address, etc.) and a password. For example, when the user first launches the application on the mobile terminal 30, the mobile terminal 30 displays fields for the user to enter account information, such as a user ID and password. Once the account information is entered, the mobile terminal 30 transmits the account information to the account management unit 10. When new account information is transmitted, the account management unit 10 opens a new account, registers the account information as information for identifying the user, and associates the account information with an account number. Information including the account information, account number, and electronic money balance is then stored in the storage unit 12 as account information. As a result, the account information is registered in the account management unit 10, and an electronic money account is opened. Of course, the account information may include biometric information (fingerprint data, etc.) in addition to the user ID and password. The information that the user registers in the account management unit 10 may also include personal information such as the phone number and name of the mobile terminal 30 in addition to the account information. Note that, hereinafter, information consisting of the account information and personal information will be referred to as user information. An example of the content of account information is shown in FIG. 3. <Cash charge information processing> FIG. 4 is a diagram showing the flow of data communication and information processing by the account management unit 10, the ATM 20, and the mobile terminal 30. FIGS. 5A to 5G show the transition of screens (50a to 50g) displayed on the touch panel 24a of the ATM 20 during the data communication and information processing. FIGS. 6 to 9 show the contents of various information generated during the information processing. FIGS. 5A to 5G show the main screens (50a to 50g) displayed on the ATM 20 during the data communication shown in FIG. 4. Therefore, in an actual ATM 20, screens notifying that a user's instruction has been accepted, screens notifying that data is being processed or communicated, screens notifying of various errors, and the like are displayed as appropriate. Hereinafter, the flow of data communication and information processing in the cash charging system 1 according to the first embodiment will be described with reference to FIGS. 4, 5A to 5G, and 6 to 9.

[0025] In the initial state where ATM 20 is waiting to receive an operation from a user, it displays initial screen 50a shown in Fig. 5A on the touch panel (s21). Meanwhile, before operating ATM 20, the user starts the application for use on his / her mobile terminal 30 (s51), and performs an authentication procedure with account management unit 10 using the above-mentioned account information on mobile terminal 30 (s1, s52), and then logs in to account management unit 10 (s53). Of course, the login procedure may be performed automatically when the application for use is started.

[0026] The account management unit 10 sends information identifying the mobile terminal 30 (hereinafter sometimes referred to as "mobile terminal identification information") to the mobile terminal 30 that has logged in. ofThe mobile terminal 30 issues the mobile terminal identification information. When transmitting any data to the account management unit 10, the mobile terminal 30 attaches this mobile terminal identification information. In the first embodiment, an access token is used as the mobile terminal identification information. The account management unit 10 then associates the issued access token with the account information used in the authentication procedure with the mobile terminal 30 as the origin of issuance of the token. This makes it possible to identify the account information of the user corresponding to the logged-in mobile terminal 30. Note that the mobile terminal identification information is not limited to an access token as long as it can identify individual mobile terminals 30. For example, since a user application is generally assigned unique identification information such as a serial number each time it is installed on a mobile terminal 30, if the user application transmits its own identification information when the mobile terminal 30 communicates data with the account management unit 10, the identification information of the user application can also be used as the mobile terminal identification information. In any case, it is sufficient that information capable of identifying the mobile terminal 30 is shared between the mobile terminal 30 and the account management unit 10 during data communication related to cash charging.

[0027] As shown in FIG. 5A, the initial screen 50a displayed by the ATM 20 includes a button 51a for accepting a cash charge instruction and a button 52a for initiating various transactions that the ATM 20 can accept. When a user selects the cash charge button 51a, the ATM 20 generates unique information (hereinafter, sometimes referred to as "transaction information") including the ATM terminal number, which is its own identification information (s22→s23). In the first embodiment, the information includes the ATM terminal number, the date and time when the instruction was accepted (year, month, day, time: YYYY / MM / DD, HH:MM:SS), and an unspecified number of digits (e.g., two digits) based on a random number or the like (hereinafter, sometimes referred to as "transaction ID"). The contents of the transaction information are shown in FIG. 6.

[0028] When ATM 20 generates the transaction information, it converts the transaction information into a barcode and displays barcode screen 50b containing barcode 51b on touch panel 24a (s24, s25), as shown in FIG. 5B. This barcode screen 50b includes barcode 51b describing the transaction information and confirmation button 52b for the user to confirm that barcode 51b has been scanned by mobile terminal 30. Also provided are button display screen 53b for printing out barcode 51b and cancel button 54b for redisplaying initial screen 50a to cancel the transaction or restart the cash charging operation from the beginning. While barcode 51b shown in FIG. 5B is a one-dimensional barcode, it may also be a two-dimensional barcode such as a QR Code (registered trademark).

[0029] When barcode screen 50b is displayed on ATM 20, the user operates mobile terminal 30, which is running the application, to have barcode 51b on barcode screen 50b or printed-out barcode 51b read by the camera of mobile terminal 30 (s54). After reading barcode 51b, mobile terminal 30 sends information (hereinafter sometimes referred to as "transaction start information"), which includes the transaction information described by barcode 51b and the access token, to account management unit 10 over Internet 110 (s55, s56). The contents of the transaction start information are shown in Figure 7.

[0030] When mobile terminal 30 generates transaction start information, it may immediately transmit the transaction start information to account management unit 10, or it may display read barcode 51b on the display and transmit the transaction start information after receiving an instruction from the user to transmit the transaction start information. In either case, the user interface of the application to be used can be designed as appropriate.

[0031] When account management unit 10 receives transaction start information from mobile terminal 30, it temporarily stores the transaction start information in storage unit 12 (s2). Furthermore, when account management unit 10 receives transaction start information from mobile terminal 30, it transmits a notification to that effect to mobile terminal 30 (s3). When mobile terminal 30 receives the notification transmitted from account management unit 10, it displays the contents of the notification (s57). Then, account management unit 10 waits for ATM 20 to transmit transaction information that is the same as the transaction information contained in the temporarily stored transaction start information.

[0032] Next, when the user presses confirmation button 52b on the displayed barcode screen 50b, ATM 20 sends the transaction information that was the source of the generation of barcode 51a to account management unit 10 over communication network 100 (s26→s27). Account management unit 10 compares the transaction information included in the transaction start information stored in temporary memory with the transaction information sent from ATM 20 (s4), and if the two pieces of transaction information match (s5: YES), it generates deposit permission information to permit the deposit and sends it to ATM 20 that sent the transaction information (s9, s10).

[0033] In the first embodiment, when generating deposit authorization information, the account management unit 10 identifies the corresponding account information based on the access token included in the transaction start information from which the deposit authorization information was generated. The account management unit 10 then obtains the electronic money balance from the identified account information (s6) and includes the balance in the deposit authorization information. A maximum balance is set for the electronic money balance, and the electronic money balance after cash charging does not exceed the maximum balance. Specifically, the account management unit 10 calculates the deposit limit for the ATM 20 by subtracting the obtained balance from the maximum balance (s7). For example, if the maximum balance is set to 50,000 yen and the current balance is 30,000 yen, the maximum amount that can be deposited into the ATM 20 by cash charging is 20,000 yen or less. The account management unit 10 then includes this deposit limit, along with the balance, in the deposit authorization information. Figure 8 shows the contents of the deposit authorization information.

[0034] However, there may be cases where the user mistakenly selects the confirmation button 52b on the barcode screen 50b before having the mobile terminal 30 scan the barcode 51b. In such a case, it goes without saying that there is no transaction start information corresponding to the transaction information received from the ATM 20. Therefore, in the first embodiment, if the account management unit 10 does not have transaction start information corresponding to the transaction information transmitted by the ATM 20, the account management unit 10 executes appropriate error processing (s5→s15). One possible error processing method is for the account management unit 10 to transmit a notice to the ATM 20 that cash charging is not possible. When the ATM 20 receives a notice from the account management unit 10 that cash charging is not possible, the ATM 20 may prompt the user to try again by, for example, displaying on the touch panel 24a a screen containing a message indicating that cash charging is not possible and guiding the user to start the operation of the ATM 20 over from the beginning.

[0035] When ATM 20 receives the deposit permission information from account management unit 10, it displays on touch panel 24a a charge amount input screen 50c, as shown in FIG. 5C, which includes a message 51c informing the deposit limit, a numeric keypad 52c for inputting the charge amount, an electronic money balance 53c, a charge amount display field 54c for displaying the charge amount input using numeric keypad 52c, and a confirmation button 55c for instructing cash charging of the amount displayed in charge amount display field 54c (s28).

[0036] When the user inputs the charge amount using the numeric keypad 52c and then selects the confirmation button 55c (s29: YES), if the charge amount is below the limit, the ATM 20 opens the cover of the cash slot of the deposit / withdrawal device 24b to allow cash to be inserted, and displays a deposit guide screen 50d on the touch panel 24a (s30 → s31), as shown in FIG. 5D. The deposit guide screen 50d includes a message 51d prompting the user to insert cash into the cash slot, a balance 52d, a charge amount 53d entered by the user using the numeric keypad 52c on the charge amount input screen 50c, and a read button 54d for instructing the cash reader 24c to read the inserted amount. If the entered deposit amount exceeds the limit, the ATM 20 redisplays the charge amount input screen 50c (s30 → s28). The ATM 20 may also include a message indicating that the entered charge amount exceeds the limit on the redisplayed charge amount input screen 50c.

[0037] When cash is inserted into the cash slot and the user selects the read button 54d on the deposit guidance screen 50d, the ATM 20 uses the cash reader 24c to read the type and number of inserted banknotes. If coins are also accepted, the ATM 20 also reads the type and number of inserted coins (s33). The ATM then calculates the amount of cash inserted (hereinafter sometimes referred to as the "deposited amount") and displays a charge amount confirmation screen 50e (as shown in FIG. 5E) that includes the charge amount 51e entered on the charge amount input screen 50c, a message 52e prompting the user to confirm the charge amount, the amount inserted 53e, and a confirmation button 54e for allowing the user to confirm that the charge amount 51e and the amount inserted 53e are correct (s34). If the amount inserted is insufficient for the charge amount, the ATM 20 may redisplay the deposit guidance screen 50d with a message to that effect, for example.

[0038] When cash is properly inserted and the Confirm button 54e on the charge amount confirmation screen 50e is pressed, the ATM 20 generates deposit information including the charge amount and the transaction information included in the deposit permission information (s35 → s36). The contents of the deposit information are shown in FIG. 9. After generating the deposit information, the ATM 20 displays a statement issuance screen 50f (s37) as shown in FIG. 5F, which allows the user to select whether or not to issue a statement of the transaction at the ATM 20 related to the cash charge. The statement issuance screen 50f includes an "Issue" button 51f to instruct the user to issue a statement and a "Do not issue" button 52f to instruct the user not to issue a statement. When the ATM 20 receives a user's instruction regarding whether or not to issue a statement, it transmits the deposit information to the account management unit 10 (s38 → s39).

[0039] When the account management unit 10 receives deposit information from the ATM 20, it identifies transaction initiation information stored in temporary storage that contains transaction information matching the transaction information contained in the received deposit information. It then identifies account information based on the access token contained in the identified transaction initiation information, and updates the account information by adding the charge amount contained in the deposit information to the balance in the account information (s10). It also issues a unique settlement number that identifies the opportunity to update the balance (s11). It then generates settlement completion information that contains this settlement number and the updated balance, and transmits the settlement completion information to the ATM 20 (s12, s13).

[0040] Furthermore, if the session with the mobile terminal 30 is ongoing, the account management unit 10 generates deposit confirmation information including the generated settlement number, the updated balance, the current charge amount obtained from the deposit information, and a message indicating that the cash charge process has been completed (s14), and transmits this deposit confirmation information to the mobile terminal 30 with which the session is ongoing (s15). The mobile terminal 30 displays the contents of the received deposit confirmation information on its display (s58). Note that even if the session with the mobile terminal 30 is interrupted, the account management unit 10 can, for example, use a well-known remote push notification mechanism to notify the mobile terminal 30 of the deposit confirmation information, which is identified by the access token associated with the account information updated based on the deposit information.

[0041] On the other hand, when the user selects the "Issue" button 51f on the statement issuing screen, the printer 24e prints out a statement including the balance, settlement number, charge amount, and deposited amount based on the previously generated deposit information and the deposit confirmation information received from the account management unit 10 (s40 → s41). If the deposited amount is greater than the charge amount, the statement includes the change and its amount as a breakdown. If there is change, the deposit / withdrawal unit 24b dispenses the difference between the deposited amount and the charge amount into the cash slot, and then prints out the statement. Then, as shown in FIG. 5G, the ATM 20 displays a transaction completion screen 50g containing a message expressing gratitude for using the ATM 20 (s42). If the user selects the "Do not issue" button 52f on the statement issuing screen 50f, the transaction completion screen 50g is displayed without printing the statement (s40 → s42). When a predetermined time has elapsed since the ATM 20 displayed the transaction completion screen 50g, the ATM 20 displays the initial screen of FIG. 5A again (s42→s1), and becomes ready to accept operations by the next user.

[0042] As described above, according to the cash charging system 1 of the first embodiment, the only operation a user performs on the mobile terminal 30 when charging cash is to read the barcode displayed on the ATM 20. The user performs operations, including inputting the charge amount (deposit amount), using the large-screen touch panel 24a provided on the ATM 10. This reduces the likelihood of the user inputting or misreading the deposit amount incorrectly, allowing for quick cash charging. This prevents subsequent users of the ATM 20 from having to wait long. Furthermore, because the operation time on the mobile terminal 30 is short, the risk of others peeking at the information displayed on the mobile terminal 30 is extremely low. ===Second Example=== As is well known, there is not just one service provider, but multiple payment services. Furthermore, not all stores accept payments via all payment services. Therefore, many users use multiple payment services. The conventional information processing and procedures for cash charging described in Patent Document 1 and Non-Patent Documents 1 and 2 also support multiple payment services. In conventional cash charging that supports multiple payment services, as described in Non-Patent Documents 1 and 2, a user installs an app corresponding to each payment service on a mobile terminal 30 and scans a barcode using the app for the desired payment service. However, in conventional cash charging, a company number is assigned to each payment service provider. When the barcode is scanned, the company number assigned to the payment service provider corresponding to the scanned app is notified to the mobile terminal 30, and the user must then enter the notified company number into the ATM 20. Thus, in conventional cash charging, supporting multiple service providers requires a complex procedure that alternates between operations on the ATM 20 and the mobile terminal 30. Therefore, as a second embodiment, a cash charging system that allows cash charging for a plurality of payment services while minimizing the user's operations on the mobile terminal 30 and the ATM 20 will be described.

[0043] FIG. 10 shows a network configuration including a cash charging system 101 according to a second embodiment. The second embodiment differs from the first embodiment in that it includes multiple account management devices 10 corresponding to the respective providers of multiple smart payment services, and in that it includes a server computer (hereinafter sometimes referred to as the "intermediary device 40") that mediates data communication between the ATM 20 and the account management device 10. The intermediary device 40 is managed by a business partnering with multiple smart payment service providers, such as a bank. The hardware configuration of the intermediary device 40 may be similar to that of the account management device 10 shown in FIG. 2A. The only differences from the account management device 10 are the data and programs stored in the memory unit 12 and the functions realized by the control unit 11 executing those programs. Intermediary device 40 stores in storage unit 12 business operator information that associates the service provider's identification information (hereinafter sometimes referred to as "business ID") with the destination (IP address, MAC address, URL, etc.) for each of multiple account management devices 10, and ATM information that associates the ATM terminal number with the destination (IP address, MAC address, URL, etc.) for each of multiple ATMs 20. In addition, a user who uses multiple payment services installs the application provided for each payment service individually.

[0044] The flow of data communication and information processing in cash charging system 101 according to the second embodiment is similar to the flow in the first embodiment shown in Fig. 4. However, the second embodiment differs in that account management unit 10 does not communicate data directly with ATM 20, but communicates data via intermediary device 40. As with Fig. 1, Fig. 10 also distinguishes between communication network 100a, through which ATM 20 and intermediary device 40 communicate data, communication network 100b, through which intermediary device 40 and account management unit 10 communicate data, and internet 110, through which account management unit 10 and mobile terminal 30 communicate data, for the sake of clarity. In any case, in the second embodiment, data communication between ATM 20 and account management unit 10 is via intermediary device 40, and data communication between account management unit 10 and mobile terminal 30 is via internet 100.

[0045] Next, the flow of data communication and information processing in the second embodiment will be described, mainly focusing on the changes made to the first embodiment. In the following description, the flow chart shown in FIG. 4 may be referenced. Also, drawings appropriately selected from the screens (50b to 50g) displayed by the ATM 20 shown in FIGS. 5B to 5G may be referenced. Also, the reference numerals (s1, etc.) attached to each information processing step in FIG. 4 and the reference numerals (50b, etc.) shown in FIGS. 5B to 5G may be referenced.

[0046] First, as shown in Fig. 11, the ATM 20 in the second embodiment displays an initial screen 150 on the touch panel 24a until it receives an initial operation from a user (s21). This initial screen 150, like the initial screen 50a in the first embodiment shown in Fig. 5A, has a cash charge instruction button 151 and instruction buttons 152 for various services that the ATM 20 can accept. However, in the second embodiment, multiple cash charge instruction buttons (151a to 151c) corresponding to multiple service providers are displayed on the touch panel 24a. In the example shown in Fig. 11, three cash charge instruction buttons (151a to 151c) corresponding to three service providers are displayed on the touch panel 24a.

[0047] Prior to cash charging, the user starts up the application for the payment service to be used on the mobile terminal 30 (s51), performs an authentication procedure using the account management unit 10 of that payment service and the account information (s1, s52), and logs the mobile terminal 30 into the account management unit 10 (s53). As in the first embodiment, the account management unit 10 issues an access token to the mobile terminal 30 that has been permitted to log in, and identifies the account information associated with the account information received from the mobile terminal 30 at the time of the login. Then, the account information is associated with the issued access token.

[0048] Next, when the user touches an instruction button (151a to 151c) corresponding to the service provider he / she uses on the initial screen 150 of the ATM 10, the ATM 20 generates transaction information including the user's ATM terminal number, the date and time of receipt of the instruction, a transaction ID obtained by generating a random number, and the business ID associated with the indicated button (151a to 151c), and displays a barcode 51a describing the generated transaction information on the touch panel 24a, similar to the barcode screen 50b shown in Figure 5B (s25). Figure 12 shows the contents of the transaction information in the second embodiment.

[0049] Next, the user causes mobile terminal 30 to read barcode 51b using the application for the payment service to be used, as in the first embodiment. However, in the second embodiment, when mobile terminal 30 reads barcode 51a, transaction start information is generated by adding an access token issued by account management unit 10 to the transaction information accompanied by the above-mentioned business ID described in barcode 51a, and the transaction start information is sent to account management unit 10 (s54 to s56).

[0050] Account management unit 10 temporarily stores the transaction start information sent from mobile terminal 30 (s2) and waits for transaction information identical to the transaction information included in the transaction start information to be sent from ATM 30. When the user touches confirmation button 52b on barcode screen 50b, ATM 10 sends the transaction information that was the source of the generation of barcode 51b to intermediary device 40, and intermediary device 40 transfers the transaction information to the corresponding account management unit 10 based on the business ID included in the transaction information.

[0051] If the transaction information included in the transaction start information stored in temporary memory matches the transaction information transferred from intermediary device 40, account management unit 10 transmits deposit permission information including this matching transaction information to intermediary device 40 (s5 → s6 to s9). As in the first embodiment, account management unit 10 may also include the balance and deposit limit in the deposit permission information. In either case, the deposit permission information includes the ATM terminal number as part of the transaction information. When intermediary device 40 receives the deposit permission information from account management unit 10, it transfers the deposit permission information to ATM 20 identified by the ATM terminal number in the deposit permission information.

[0052] When the ATM 20 receives the deposit permission information, it displays the charge amount input screen 50c shown in Fig. 5C, and, similarly to the first embodiment, sequentially executes the following processes in response to the user's input: displaying a deposit guidance screen 50d (s31), reading the deposit amount for the deposit / withdrawal device 24b (s33), displaying a charge amount confirmation screen 50e (s34), generating deposit information (s36), and displaying a statement issuance screen 50f (s37). When the user selects whether or not a transaction statement is required on the statement issuance screen 50f, the ATM 20 transmits the generated deposit information to the intermediary device 40 (s38->s39). Upon receiving the deposit information, the intermediary device 40 identifies the account management device 10 to which the deposit information is to be transferred based on the business ID also included in the deposit information, and transfers the deposit information to the account management device 10.

[0053] The account management unit 10 identifies transaction start information that includes the same transaction information as the transaction information included in the received deposit information, and updates the electronic money balance of the account information associated with the access token included in the transaction start information based on the charge amount included in the deposit information (s10). It then issues a unique payment number that identifies the opportunity to update the balance (s11), and transmits payment completion information to the intermediary device 40 that includes the ATM terminal number included in the received deposit information, the issued payment number, and the updated balance. The account management unit 10 also generates deposit confirmation information that includes the payment number, the updated balance included in the transaction start information identified when issuing the payment number, the current charge amount, and a message indicating that the cash charge process has been completed (s13), and transmits this deposit confirmation information to the mobile terminal 30.

[0054] The intermediary device 40 transfers the payment information from the account management device 10 to the ATM 20 corresponding to the ATM terminal number included in the information. When the ATM 20 receives the payment information, it displays the statement issuance screen 50f (s38) and executes a predetermined process depending on whether or not the user needs to issue a statement (s39 → s40, s41, or s39 → s41). When the mobile terminal 30 receives the deposit confirmation information, it displays the contents of the deposit confirmation information on its display (s58).

[0055] As described above, the cash charging system 101 according to the second embodiment does not use a company number, eliminating the need for the user to confirm the company number notified to the mobile terminal 30 or to input the company number into the ATM 20. Of course, since no company number is required, erroneous input or misreading of the company number is theoretically impossible. A user can charge cash to the electronic money account of a desired service provider simply by reading the barcode 51a displayed on the ATM 20. Therefore, similar to the first embodiment, the user's operation on the mobile terminal 30 is essentially limited to the minimum required operation of simply reading the barcode 51a displayed on the ATM 20, thereby shortening the time required to occupy the ATM 20 and the time required to operate the mobile terminal 30 for cash charging. <Modification> In the second embodiment described above, multiple usage apps corresponding to multiple payment services were installed on mobile terminal 30. However, by routing data communication between mobile terminal 30 and account management unit 10 via intermediary device 40, a single usage app can be made compatible with multiple payment services. FIG. 13 shows a network configuration including cash charging system 201 in which intermediary device 40 is configured to also mediate data communication between mobile terminal 30 and account management unit 10. As shown in FIG. 13, intermediary device 40 and mobile terminal 30 are configured to communicate via Internet 110. As a result, data sent from mobile terminal 30 and addressed to account management unit 10 passes through intermediary device 40.

[0056] In cash charging system 201 according to the modified example, account management unit 10 can use, for example, the above-described app ID to identify each mobile terminal 30. That is, account management unit 10 stores the app ID as a piece of user information and uses this app ID as identification information for mobile terminal 30. The used app then generates transaction start information including its own app ID and transaction information including a business ID obtained by decoding the barcode, and sends this transaction start information to intermediary device 40. Intermediary device 40 transfers this transaction start information to the account management unit 10 corresponding to the business ID. Account management unit 10 can identify the account information to be charged with cash based on the app ID included in the transferred transaction start information.

[0057] Information that can be used to identify a mobile device is not limited to an app ID. For example, one piece of account information can be shared between multiple account management devices 10 and the intermediary device 40. The intermediary device 40 issues an access token to each mobile device 30 that logs in through an authentication procedure using the account information, and associates the access token with the account information. When transaction start information is received from a specific mobile device 30 identified by the access token, the intermediary device 40 transmits the transaction start information and the account information used in the authentication procedure to the account management device 10 corresponding to the business ID included in the transaction start information. This allows the account management device 10 to identify the account information corresponding to the mobile device 30 that transmitted the transaction start information.

[0058] Of course, the account information for each of the multiple payment services may be different. For example, the intermediary device 40 may store service provider-specific account information associated with the carrier ID in the account information registered in the account management device 10 for each payment service, as well as dedicated account information for authentication procedures with the mobile terminal 30. When the intermediary device 40 receives transaction start information from a mobile terminal 30 logged in using the dedicated account information, it transmits the corresponding service provider-specific account information to the corresponding account management device 10 based on the carrier ID included in the transaction start information. The account management device 10 can identify the account information corresponding to the received service provider-specific account information as the account to be charged with cash. In this way, by using the app ID as mobile terminal identification information or sharing appropriate information as mobile terminal identification information between the intermediary device 40 and the account management device, all data communication related to cash charging can be performed via the intermediary device 40. This makes it possible to use a single application for multiple payment services. Of course, it is also possible to use different applications for each payment service, with all data communication being performed via the intermediary device 40. ===Other Examples== In the cash charging system (1, 101) according to each of the above embodiments, barcode 51b displayed on barcode screen 50b shown in FIG. 5B remains displayed until the user selects confirmation button 52b on screen 50b. Therefore, if for some reason a user takes a long time between scanning barcode 51b and selecting confirmation button 52b, or if the user leaves ATM 29, a subsequent user may accidentally scan barcode 51b that is still displayed. In such a case, account management unit 10 may receive multiple pieces of transaction start information containing the same transaction information.

[0059] Therefore, the account management unit 10 may perform some error processing when it receives transaction start information containing the same transaction information multiple times. For example, when the account management unit 10 receives transaction start information containing the same transaction information multiple times, it may notify the third party's mobile device 30 to which the information is sent the second or subsequent times that the scanned barcode 51b is invalid. Furthermore, the account management unit 10 may prohibit updating the third party's electronic money balance until the electronic money balance for the app ID corresponding to the mobile device 30 of the user that first sent the transaction start information is updated. Alternatively, when the account management unit 10 receives transaction start information containing the same transaction information multiple times from multiple mobile devices 30, it may notify all mobile devices 30 that sent the transaction start information that the scanned barcode 51b is invalid and that they should start the operation to charge the ATM 20 with cash again from the beginning. Then, it may send an instruction to the ATM 20 to suspend the ongoing cash charge process and display the initial screen 50a. Then, it may invalidate the received transaction information and transaction start information by, for example, deleting them.

[0060] The cash charging system 1 according to the first embodiment may be configured to support multiple payment services. Specifically, instead of installing an intermediary device 40, the ATM 20 stores destination information for the account management unit 10 corresponding to each of the multiple payment services. Similarly to the second embodiment, the ATM 20 displays an initial screen 150 as shown in FIG. 11 . When a payment service is selected by a user on the initial screen 150 and a barcode screen 50b as shown in FIG. 5B is displayed, the ATM 20 directly transmits the transaction information described by the barcode to the account management unit 10 corresponding to the payment service selected on the initial screen 150. Similarly to the second embodiment, the mobile terminal 30 transmits transaction start information to the account management unit 10 generated based on the barcode read by a user app corresponding to the payment service. This allows the system to support multiple payment services without using an intermediary device 40 or entering a company number.

[0061] In each of the above embodiments, a user may have difficulty operating the mobile terminal 30 or the ATM 20, or may interrupt the cash charging process for some reason. In such cases, the screen displayed on the ATM 20 may continue to be displayed for a long time. Therefore, the ATM 20 may interrupt the cash charging process and display the initial screen 50a when the display time of the screens (50b-50f) displayed during the cash charging process reaches a predetermined time. Then, the ATM 20 may transmit cash charging cancellation information, including a notice that the process will be interrupted and transaction information, to the account management unit 10 or the intermediary device 40. The account management unit 10 may then invalidate the relevant transaction information or transaction start information based on the received cancellation information and interrupt the cash charging process.

[0062] In the above embodiments, the deposit permission information includes the user's telephone number or a portion of that number (e.g., the last four digits). A scenario in which the user's telephone number or a portion of that number (e.g., the last four digits) is used is, for example, when the user calls the ATM monitoring center using the telephone 25 installed at the ATM 20. The ATM monitoring center monitors the operational status of all ATMs 20 under its jurisdiction. When a call is received from an ATM 20, the ATM monitoring center can identify the ATM 20 that is the source of the call from the telephone number of the ATM 20. Information about the user's telephone number temporarily stored in the identified ATM 20 can also be obtained. Therefore, by asking the caller for a portion of the telephone number, the ATM monitoring center staff member who receives the call can confirm that the caller is the current user of the ATM that is the source of the call. In other words, the identity of the user of the ATM 20 can be verified. Of course, the personal information included in the deposit permission information may be a name, a date of birth, or a portion thereof, as long as it is information that can be used to verify the identity of the user.

[0063] The hardware configuration of the cash charging system (1, 101) according to the first and second embodiments is not limited to that described above. For example, the account management unit 10 and the intermediary device 40 may be configured not as a single computer but as multiple computers distributed across a predetermined communication network (100, 100a, 100b). The memory unit 12 of the account management unit 10 may also be configured as a storage device attached to a single computer, or as multiple storage devices distributed across the communication network (100, 100a, 100b). Information managed in the same database may be distributed and stored across multiple storage devices. In the second embodiment, the functions of the account management unit 10 and the intermediary device 40 may be integrated into a single computer by distinguishing the programs and data executed by the control unit 11.

[0064] Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments and includes various modifications. Furthermore, for example, the above-described examples have been described in detail to clearly explain the present invention, and the present invention is not necessarily limited to those including all of the described configurations. Furthermore, some of the configurations of each embodiment can be added to, deleted from, or replaced with other configurations. [Explanation of symbols]

[0065] 1,101,201 cash charge systems, 10 account management devices, 11, 21 control unit, 12, 22 memory unit, 13, 23 communication unit, 20 Charge terminal (ATM), 24a Touch panel, 24b Deposit / withdrawal device, 24c cash reader, 24e printer, 25 telephone, 30 mobile terminal, 40 Intermediary device, 50a, 150 Initial screen, 50b Barcode screen, 51b Barcode, 100,100a,100b Communication network, 110 Internet

Claims

1. A cash charge system that is configured by a computer system installed on a communication network and converts a user's cash into electronic money that can be used for smart payment services, A plurality of charging terminals and a plurality of account management devices are included, The charging terminal is The system stores information for identifying the destination of the account management device corresponding to each of the plurality of smart payment services, and includes a user interface, a cash insertion slot, and a cash reading device for calculating the amount of inserted cash; When a user input for selecting one of the plurality of smart payment services is received as a first operation by the user, transaction information including the user's own charging terminal identification information and an unspecified transaction ID is generated, and a barcode describing the transaction information is displayed and output by the user interface, allowing a second operation to be received; When the second operation is accepted, the transaction information is sent to the account management device corresponding to the smart payment service selected by the first operation as a recipient; When deposit permission information including the transaction information is transmitted in response to the transmitted transaction information, the user interface is enabled to accept a third operation including an input operation of a deposit amount and an operation of inserting cash into the insertion slot; when the deposit amount is input and cash is inserted into the insertion slot and the third operation is accepted, deposit information including the deposit amount and the transaction information is transmitted to the account management device as a recipient; The account management device: storing account information including the balance of electronic money for each of a plurality of users in association with mobile terminal identification information issued to the mobile terminal; When transaction start information including the transaction information described by the barcode and the mobile terminal identification information of the mobile terminal is received as information transmitted from the mobile terminal that read the barcode, account information is identified based on the mobile terminal identification information, After receiving the transaction start information, when the transaction information having the charge terminal as the sender is received, if the transaction information is the same as the transaction information included in the received transaction start information, the deposit permission information is sent to the charge terminal as the recipient; When the deposit information is received, transaction start information including the same transaction information as the transaction information included in the deposit information is identified, and the account information is updated by adding the deposit amount included in the deposit information to the balance of the account information identified based on the mobile terminal identification information attached to the identified transaction start information. Cash charging system.

2. The cash charging system according to claim 1, an intermediary device that mediates data communication between the charging terminal and the account management device; The charging terminal is storing business operator IDs corresponding to each of the plurality of smart payment services; When the second operation is received, the transaction information including the business ID corresponding to the smart payment service selected by the first operation is transmitted to the intermediary device; the intermediary device stores business operator information in which the business operator ID is associated with destination information of the account management device, and charging terminal information in which charging terminal identification information corresponding to each of the plurality of charging terminals is associated with destination information of the charging terminal; Transferring the information received from the charging terminal to the account management device corresponding to the business ID included in the information; forwarding the information received from the account management device to the charge terminal corresponding to the charge terminal identification information included in the information; Cash charging system.

3. The cash charging system according to claim 2, the intermediary device is configured to be able to communicate with a mobile terminal, and forwards the transaction start information received from the mobile terminal to the account management device corresponding to the business ID included in the transaction start information; Cash charging system.

4. The account management device constituting the cash charging system according to any one of claims 1 to 3, configured to be able to communicate with an external computer, storing the account information and the mobile terminal identification information in association with each other; When the transaction information originating from the charging terminal is received after the transaction start information originating from the mobile terminal is received, if the transaction information is the same as the transaction information included in the received transaction start information, the deposit permission information is sent to the charging terminal as a recipient; Identifying transaction start information corresponding to the transaction information included in the deposit information transmitted from the external computer, and updating the account information by adding the deposit amount included in the deposit information to the balance in the account information corresponding to the mobile terminal identification information attached to the identified transaction start information. Account management device.

5. The account management device according to claim 4, When the transaction start information including the same transaction information is received multiple times, prohibiting updating of the account information corresponding to the mobile terminal identification information included in the transaction start information received for the second time or later until updating the account information corresponding to the mobile terminal identification information included in the first received transaction start information; Account management device.

6. The charging terminal constituting the cash charging system according to any one of claims 1 to 3, configured to be able to communicate with an external computer, The system stores information for identifying the destination of the account management device corresponding to each of the plurality of smart payment services, and includes a user interface, a cash insertion slot, and a cash reading device for calculating the amount of inserted cash; generating the transaction information in response to the first operation by the user, and displaying and outputting a barcode describing the transaction information through the user interface while accepting a second operation; When the second operation is accepted, the transaction information is sent to a predetermined external computer, with the account management device corresponding to the smart payment service selected by the first operation as a recipient; when deposit permission information is transmitted from the specified external computer in response to the transmitted transaction information, the information permitting a deposit from the account management apparatus that is the recipient as the sender, the user interface is enabled to accept an input operation for a deposit amount and a third operation; When the third operation is accepted after the deposit amount is input, deposit information including the deposit amount and the transaction information is transmitted to the specified external computer. Charging terminal.

7. The intermediary device constituting the cash charging system according to claim 2, configured to be able to communicate with the charging terminal, storing the business information and the charging terminal information; Transferring the transaction information and the deposit information received from the charge terminal to the account management device identified based on the business ID included in the transaction information and the deposit information; forwarding the deposit permission information received from the account management device to the charge terminal identified based on the charge terminal identification information included in the deposit permission information; Intermediary device.

8. 8. The intermediary device according to claim 7, configured to be able to communicate with a mobile terminal, and transmitting the transaction start information received from the mobile terminal to the account management device identified based on the business ID included in the transaction start information.

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