Automated cash transaction system and transaction server

Abstract

To improve the convenience during cash withdrawal using an automatic teller machine (ATM).SOLUTION: An automated cash transaction system 1 includes: a client terminal 20 which is used by a client who requests a representative for proxy cash withdraw through an automatic teller machine (ATM) 40; a representative terminal 30 which is used by the representative who receives the request from the client for the proxy cash withdrawal through the ATM 40; a transaction server 10 which creates a temporary account for proxy withdrawal on receipt of a notification of client registration information from the client terminal 20, associates the temporary account with a first account which is an account of the client, and associates, on receipt of a notification of representative registration information from the representative terminal 30, the temporary account with a second account which is an account of the representative; and an ATM 40 which when an account number of the temporary account and the amount for proxy withdrawal are input, dispenses money of the input amount. When the money is withdrawn from the ATM 40, the transaction server 10 subtracts the balance of the first account associated with the temporary account by the amount withdrawn from the ATM 40.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present disclosure relates to a cash automatic transaction system and a transaction server.

Background Art

[0002] To withdraw cash from an Automatic Teller Machine (ATM), the account holder himself / herself must go to the ATM.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, for example, when it is necessary to pay a fee in cash when the account holder himself / herself is discharged from the hospital, it is difficult for the account holder himself / herself to go to the ATM because he / she is in the hospital.

[0005] Therefore, the present disclosure proposes a technology that can improve the convenience when withdrawing cash using an ATM.

Means for Solving the Problems

[0006] The cash automated transaction system of the present disclosure includes a cash automated transaction device, a first mobile terminal, a second mobile terminal, and a transaction server. The first mobile terminal is used by a requester who requests an agent to withdraw cash on behalf of the requester from the cash automated transaction device. The second mobile terminal is used by an agent who is requested by the requester to withdraw cash on behalf of the requester from the cash automated transaction device. The transaction server creates a temporary account for agency withdrawals in response to a notification of requester registration information from the first mobile terminal, and associates a first deposit account, which is the deposit account of the requester, with the temporary account. In response to a notification of agent registration information from the second mobile terminal, the transaction server associates a second deposit account, which is the deposit account of the agent, with the temporary account. When the account number of the temporary account and the amount of the agency withdrawal are input into the cash automated transaction device, the cash automated transaction device withdraws the amount of money. Then, when the amount of money is withdrawn from the cash automated transaction device, the transaction server reduces the deposit balance of the first deposit account associated with the temporary account by the amount withdrawn from the cash automated transaction device.

Advantages of the Invention

[0007] According to the technology of the present disclosure, the convenience of cash withdrawal using an ATM can be improved.

Brief Description of the Drawings

[0008]

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DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. In the following embodiments, the same components are denoted by the same reference numerals.

[0010] [Embodiment] <Configuration of the Automatic Transaction System> FIG. 1 is a diagram showing a configuration example of the cash automatic transaction system of the present disclosure. In FIG. 1, the cash automatic transaction system 1 includes a transaction server 10, an ATM 40, a portable terminal (hereinafter sometimes referred to as a "requestor terminal") 20 used by a person who requests a person (hereinafter sometimes referred to as a "withdrawal requester") to withdraw cash on behalf of the ATM 40, and a portable terminal (hereinafter sometimes referred to as an "agent terminal") 30 used by a person (hereinafter sometimes referred to as a "withdrawal agent") who is requested by the withdrawal requester to withdraw cash on behalf of the ATM 40. The transaction server 10 and the ATM 40 are connected via a network 50 and can communicate with each other. Also, the requestor terminal 20 can be connected to the network 50 wirelessly and can communicate with the transaction server 10 and the ATM 40. Also, the agent terminal 30 can be connected to the network 50 wirelessly and can communicate with the transaction server 10 and the ATM 40. As an example of the requestor terminal 20 and the agent terminal 30, smart devices such as smartphones and tablet devices can be mentioned.

[0011] <Configuration of Transaction Server> FIG. 2 is a diagram showing a configuration example of the transaction server of the present disclosure. In FIG. 2, the transaction server 10 includes a processor 101, a storage 102, and a network communication module 103, and is connected to the network 50 via the network communication module 103.

[0012] <Processing Procedure in Automatic Transaction System> FIGS. 3 to 12, FIG. 14, and FIG. 15 are diagrams showing an example of the processing procedure in the cash automatic transaction system of the present disclosure. FIG. 13 is a diagram showing an example of the transaction slip of the present disclosure.

[0013] As shown in FIG. 3, in the storage 102 of the transaction server 10, the deposit account information of each of the applicant and the agent is stored in advance. For example, as applicant account information, a deposit balance of "1,000,000" is stored in the storage 102 in association with the applicant account number of "XXX9999", and as agent account information, a deposit balance of "400,000" is stored in the storage 102 in association with the agent account number of "YYY5678".

[0014] Next, as shown in FIG. 4, the applicant for withdrawal notifies the applicant registration information to the transaction server 10 by operating the applicant terminal 20. The applicant registration information includes the applicant's name (for example, "AAAA"), the applicant's contact phone number (for example, "090-1111-2222"), the applicant account number of "XXX9999", the withdrawal upper limit amount (for example, "200,000"), and the grace period (for example, "1 hour"). The applicant for withdrawal may notify the applicant registration information to the transaction server 10 by operating an application for agency withdrawal that is pre-installed on the applicant terminal 20.

[0015] Next, as shown in FIG. 4, since there is a pre-existing deposit account having the applicant account number "XXX9999" included in the applicant registration information in the processor 101 of the transaction server 10 that has received the notification of the applicant registration information (FIG. 3), based on the applicant registration information, account relationship information and temporary account information are registered in the storage 102. The account relationship information includes the applicant's name, the temporary account number, the applicant's contact phone number, the agent's name, the agent account number, and the agent's contact phone number. The temporary account information includes the temporary account number, the withdrawal upper limit amount, the applicant account number, and the grace period.

[0016] As shown in FIG. 4, the processor 101 of the transaction server 10 that has received the notification of the applicant registration information sets the applicant name to "AAAA" and the applicant contact phone number to "090-1111-2222" in the account relationship information based on the applicant registration information. Further, the processor 101 creates a temporary account number such as "XXX1234" according to a predetermined rule, and sets the temporary account number in the account relationship information and the temporary account information to "XXX1234".

[0017] Also, as shown in FIG. 4, the processor 101 of the transaction server 10 that has received the notification of the applicant registration information sets the withdrawal upper limit amount to "200,000", the applicant account number to "XXX9999", and the grace period to "1 hour" in the temporary account information based on the applicant registration information. Thereby, the temporary account number for agency withdrawal and the applicant account number are associated with each other.

[0018] The processor 101 that has completed the registration of the account relationship information and the temporary account information as described above notifies the applicant terminal 20 of the temporary account number "XXX1234" set in the account relationship information and the temporary account information using the network communication module 103 as shown in FIG. 4, and the temporary account number of "XXX1234" is displayed on the applicant terminal 20. Thereby, the withdrawal applicant grasps the temporary account number used for agency withdrawal.

[0019] Next, as shown in FIG. 5, the withdrawal agent who has received a request for agency withdrawal from a withdrawal applicant whose name is "AAAA" and whose contact phone number is "090-1111-2222" notifies the transaction server 10 of the agent registration information by operating the agent terminal 30. The agent registration information includes the agent name (for example, "BBBB"), the agent contact phone number (for example, "080-5555-6666"), the agent account number of "YYY5678", the applicant name of "AAAA", and the applicant contact phone number of "090-1111-2222". The withdrawal agent may notify the transaction server 10 of the agent registration information by operating an application for agency withdrawal pre-installed on the agent terminal 30.

[0020] Next, as shown in FIG. 5, since there is a deposit account having the agent account number "YYY5678" included in the agent registration information in advance in the processor 101 of the transaction server 10 that has received the notice of the agent registration information (FIG. 3), the processor 101 searches for account relationship information based on the name of the requester "AAAA" and the requester contact phone number "090-1111-2222" included in the agent registration information, and sets the name of the agent, the agent account number, and the agent contact phone number in the account relationship information including the name of the requester "AAAA" and the requester contact phone number "090-1111-2222" based on the agent registration information. Therefore, in the account relationship information including the name of the requester "AAAA" and the requester contact phone number "090-1111-2222", the name of the agent is set to "BBBB", the agent account number is set to "YYY5678", and the agent contact phone number is set to "080-5555-6666". As a result, the registration of the withdrawal agent to the transaction server 10 is completed, and a temporary account number for agency withdrawal and the agent account number are associated with each other.

[0021] The processor 101 that has completed the registration of the withdrawal agent as described above notifies the requester terminal 20 of the temporary account number "XXX1234" set in the account relationship information using the network communication module 103 as shown in FIG. 5, and the temporary account number of "XXX1234" is displayed on the agent terminal 30. As a result, the withdrawal agent grasps the temporary account number used for agency withdrawal.

[0022] Here, as shown in FIG. 6, the processor 101 of the transaction server 10 that has received the notice of the agent registration information may compare the deposit balance corresponding to the agent account number "YYY5678" included in the agent registration information with the withdrawal upper limit amount in the temporary account information including the temporary account number "XXX1234" corresponding to the client name "AAAA" and the client contact phone number "090-1111-2222" included in the agent registration information. As a result of the comparison, when the deposit balance of the deposit account having the agent account number is equal to or greater than the withdrawal upper limit amount in the temporary account information, the processor 101 permits and approves the registration of the withdrawal agent. On the other hand, when the deposit balance of the deposit account having the agent account number is less than the withdrawal upper limit amount in the temporary account information, the processor 101 may not approve and may not recognize the registration of the withdrawal agent. Further, the processor 101 may notify the agent terminal 30 of the permission or non-permission of the registration of the withdrawal agent using the network communication module 103. Further, when the processor 101 permits the registration of the withdrawal agent, it notifies the client terminal 20 of the temporary account number. On the other hand, when the processor 101 does not permit the registration of the withdrawal agent, it may not notify the client terminal 20 of the temporary account number.

[0023] Next, the withdrawal agent goes to the ATM 40 and operates the ATM 40 according to the instructions from the ATM 40 as shown in FIGS. 7 to 11.

[0024] First, as shown in FIG. 7, the ATM 40 causes a menu screen to be displayed on the touch panel 401 that the ATM 40 has. The menu screen has selection items of "withdrawal", "deposit", and "agent withdrawal". The withdrawal agent selects "agent withdrawal" on the menu screen.

[0025] The ATM 40 for which "agent withdrawal" has been selected on the menu screen causes a temporary account number input screen with an empty input field to be displayed on the touch panel 401. In accordance with the display of the temporary account number input screen, as shown in FIG. 8, the withdrawal agent inputs the temporary account number "XXX1234" into the ATM 40.

[0026] After the input of the temporary account number is completed, the ATM 40 causes the touch panel 401 to display a proxy withdrawal amount input screen with an empty input field. In accordance with the display of the proxy withdrawal amount input screen, as shown in FIG. 9, the withdrawal agent inputs the amount of proxy withdrawal (for example, "30000") requested by the withdrawal requester into the ATM 40.

[0027] After the input of the proxy withdrawal amount is completed, as shown in FIG. 10, the ATM 40 transmits a notice (hereinafter sometimes referred to as a "permission confirmation notice") for confirming with the withdrawal requester whether proxy withdrawal is permitted to the requester terminal 20, and causes the touch panel 401 to display a requester confirmation screen including a statement indicating that the permission of proxy withdrawal is being confirmed with the withdrawal requester (for example, "Confirming with the requester...").

[0028] On the other hand, a permission confirmation screen for asking the withdrawal requester whether proxy withdrawal is permitted is displayed on the requester terminal 20 that has received the permission confirmation notice. When "YES" is selected by the withdrawal requester on the permission confirmation screen, the requester terminal 20 transmits an "OK (permission)" response notice to the ATM 40, while when "NO" is selected by the withdrawal requester on the permission confirmation screen, the requester terminal 20 transmits an "NG (not permitted)" response notice to the ATM 40. When the ATM 40 receives an "NG" response notice from the requester terminal 20, it does not perform the withdrawal and ends the process.

[0029] On the other hand, when the ATM 40 receives an "OK" response notice from the requester terminal 20, it causes the touch panel 401 to display a withdrawal screen as shown in FIG. 11, and withdraws the "30000" yen in cash input on the proxy withdrawal amount input screen (FIG. 9) from the ATM 40 to the withdrawal agent. Further, the ATM 40 issues a transaction detail slip, which will be described later, to the withdrawal agent in accordance with an instruction from the processor 101 of the transaction server 10.

[0030] When the withdrawal of "30,000" yen from the ATM40 is completed, as shown in FIG. 12, the processor 101 of the transaction server 10 updates the deposit balance of the deposit account (FIG. 3) having the depositor account number "XXX9999" included in the temporary account information (FIG. 4) from "1,000,000" to "970,000" by subtracting "30,000". Also, after the withdrawal of "30,000" yen from the ATM40 is completed, the processor 101 of the transaction server 10 registers the transaction information as shown in FIG. 12 in the storage 102. The transaction information includes a transaction No. (for example, "1122"), a transaction date, a transaction type, a transaction amount, and a transaction status. Since the agency withdrawal of "30,000" yen is performed from the ATM40, the processor 101 sets the transaction type to "agency withdrawal" and the transaction amount to "30,000" in the transaction information as shown in FIG. 12. Also, at the time when the agency withdrawal of "30,000" yen is performed from the ATM40, the processor 101 sets the transaction status in the transaction information to "withdrawal completed".

[0031] Also, after the processor 101 completes the registration of the transaction information shown in FIG. 12, the processor 101 instructs the ATM40 to issue a transaction detail slip including the contents of each item of the transaction information shown in FIG. 12.

[0032] FIG. 13 is a diagram showing an example of the transaction detail slip of the present disclosure. As shown in FIG. 13, on the transaction detail slip issued from the ATM40 to the withdrawal agent, the contents of each item of the transaction information shown in FIG. 12 are printed, and the temporary account number "XXX1234", the name of the requester "AAAA", and the name of the agent "BBBB" are printed. Further, as shown in FIG. 13, a two-dimensional bar code is printed on the transaction detail slip issued from the ATM40 to the withdrawal agent. An example of the two-dimensional bar code is a QR code (registered trademark). The two-dimensional bar code printed on the transaction detail slip shown in FIG. 13 includes the transaction No. "1122" and a URL (Uniform Resource Locator) including the domain information of the transaction server 10.

[0033] The disbursing agent who has received the transaction detail slip shown in FIG. 13 delivers the 30,000 yen that has been disbursed on behalf to the disbursement requester, and presents the received transaction detail slip to the disbursement requester. The disbursement requester who has been presented with the transaction detail slip causes the camera of the requester terminal 20 to read the two-dimensional barcode printed on the transaction detail slip as shown in FIG. 14. The requester terminal 20 that has read the two-dimensional barcode printed on the transaction detail slip transmits a transaction completion notice including the transaction No. "1122" to the transaction server 10. The processor 101 of the transaction server 10 that has received the transaction completion notice including the transaction No. "1122" updates the transaction status corresponding to the transaction No. "1122" in the transaction information from "disbursed" (FIG. 13) to "transaction completed" as shown in FIG. 14.

[0034] However, the processor 101 includes the case where, after the expiration of the "1 hour" grace period set in the temporary account information (FIG. 4) from the time of completion of the agency disbursement of "30,000" yen from the ATM 40, a transaction completion notice including the transaction No. "1122" is received. When a transaction completion notice including the transaction No. "1122" is not received until the expiration of the "1 hour" grace period set in the temporary account information (FIG. 4) from the time of completion of the agency disbursement of "30,000" yen from the ATM 40, as shown in FIG. 15, while reducing the deposit balance in the deposit account having the agent account number "YYY5678" by the agency disbursement amount of "30,000" yen, the deposit balance in the deposit account having the requester account number "XXX9999" is increased by the agency disbursement amount of "30,000" yen. That is, when the processor 101 does not receive a transaction completion notice until the grace period has elapsed from the time of completion of the agency disbursement, an amount corresponding to the agency disbursement amount is debited from the deposit account of the disbursing agent and credited to the deposit account of the disbursement requester.

[0035] The above describes the embodiments.

[0036] As described above, the cash automated transaction system (the cash automated transaction system 1 in the embodiment) of the present disclosure includes a cash automated transaction device (the ATM 40 in the embodiment), a first mobile terminal (the requester terminal 20 in the embodiment), a second mobile terminal (the agent terminal 30 in the embodiment), and a transaction server (the transaction server 10 in the embodiment). The first mobile terminal is used by a requester who requests an agent to withdraw cash on behalf of the requester from the cash automated transaction device, and the second mobile terminal is used by an agent who is requested by the requester to withdraw cash on behalf of the requester from the cash automated transaction device. The transaction server creates a temporary account for agency withdrawal in response to the notification of the requester registration information from the first mobile terminal, and associates the first deposit account, which is the deposit account of the requester, with the temporary account. In response to the notification of the agent registration information from the second mobile terminal, the transaction server associates the second deposit account, which is the deposit account of the agent, with the temporary account. When the account number of the temporary account and the amount of agency withdrawal are input, the cash automated transaction device withdraws the amount of money corresponding to the input amount. Then, when money is withdrawn from the cash automated transaction device, the transaction server reduces the deposit balance of the first deposit account associated with the temporary account by the amount of money withdrawn from the cash automated transaction device.

[0037] By doing so, even if the account holder of the deposit account does not go to the cash automated transaction device, the agent can withdraw cash, so the convenience of cash withdrawal using the cash automated transaction device can be improved. In addition, since the withdrawal from the cash automated transaction device is performed through the temporary account for agency withdrawal, it is possible to withdraw cash on behalf of the agent without disclosing the deposit account number of the account holder of the deposit account to the agent, so that the agency withdrawal can be performed safely.

[0038] In addition, when the account number of the temporary account and the amount of agency withdrawal are input, the cash automated transaction device sends a first notification (the approval confirmation notification in the embodiment) for confirming to the requester whether the agency withdrawal is permitted to the first mobile terminal, and when receiving a second notification (the response notification of "OK (permission)" in the embodiment) indicating permission from the first mobile terminal, the cash automated transaction device withdraws the amount of money corresponding to the input amount.

[0039] By doing so, it is possible to prevent the agent from withdrawing money arbitrarily.

[0040] In addition, the transaction server compares the upper limit amount of withdrawal included in the requester registration information with the balance of the second deposit account. When the balance of the second deposit account is equal to or greater than the upper limit amount of withdrawal, the transaction server approves the registration of the agent. On the other hand, when the balance of the second deposit account is less than the upper limit amount of withdrawal, the transaction server does not approve the registration of the agent.

[0041] By doing so, a financial credit check on the agent can be performed.

[0042] In addition, when the transaction server does not receive a transaction completion notice from the first mobile terminal from the time when money is withdrawn from the cash dispenser until the grace period included in the requester registration information elapses, the transaction server reduces the balance of the second deposit account by the amount of the withdrawal while increasing the balance of the first deposit account by the amount of the withdrawal.

[0043] By doing so, even if the withdrawal by the agent is performed fraudulently, compensation is made from the agent's deposit account to the requester's deposit account, so the requester can safely entrust the agent with the agency withdrawal.

Explanation of Signs

[0044] 1 Cash dispenser system 10 Transaction server 20 Requester terminal 30 Agent terminal 40 ATM 50 Network 101 Processor 102 Storage 103 Network communication module

Claims

1. An automated teller machine, a first mobile terminal used by a requester who requests an agent to withdraw cash on behalf of the automated teller machine, a second mobile terminal used by an agent who is requested by the requester to withdraw cash on behalf of the automated teller machine, a transaction server, comprising: The transaction server creates a temporary account for agency withdrawals in response to a notification of requester registration information from the first mobile terminal, and associates a first deposit account, which is the deposit account of the requester, with the temporary account. The transaction server associates a second deposit account, which is the deposit account of the agent, with the temporary account in response to a notification of agent registration information from the second mobile terminal. When the account number of the temporary account and the amount of the agency withdrawal are input, the automated teller machine withdraws the amount of money. When the amount of money is withdrawn from the automated teller machine, the transaction server reduces the deposit balance of the first deposit account associated with the temporary account by the amount withdrawn from the automated teller machine. An automated teller transaction system.

2. The automated teller machine: When the account number of the temporary account and the amount of the agency withdrawal are input, it sends a first notification for confirming the permission or non - permission of the agency withdrawal to the first mobile terminal to the requester, and when it receives a second notification indicating permission from the first mobile terminal, it withdraws the amount of money. The automated teller transaction system according to Claim 1.

3. The transaction server: compares the upper limit amount of withdrawal included in the requester registration information with the deposit balance of the second deposit account, and when the deposit balance of the second deposit account is equal to or more than the upper limit amount of withdrawal, it approves the registration of the agent. On the other hand, when the deposit balance of the second deposit account is less than the upper limit amount of withdrawal, it does not approve the registration of the agent. The automated teller transaction system according to Claim 1.

4. The transaction server: If it does not receive a transaction completion notification from the first mobile terminal from the time when the amount of money is withdrawn from the automated teller machine until the grace period included in the requester registration information elapses, it reduces the deposit balance of the second deposit account by the amount of money, while increasing the deposit balance of the first deposit account by the amount of money. The automated teller transaction system according to Claim 1.

5. A cash automated transaction device, a first mobile terminal used by a requester who requests an agent to withdraw cash on behalf of the cash automated transaction device, and a transaction server communicable with a second mobile terminal used by an agent who is requested by the requester to withdraw cash on behalf of the cash automated transaction device, wherein in response to a notification of requester registration information from the first mobile terminal, a temporary account for agency withdrawal is created, and a first deposit account, which is the deposit account of the requester, is associated with the temporary account, in response to a notification of agent registration information from the second mobile terminal, a second deposit account, which is the deposit account of the agent, is associated with the temporary account, a processor that reduces the deposit balance of the first deposit account associated with the temporary account by the amount of money withdrawn from the cash automated transaction device when money of the amount is withdrawn from the cash automated transaction device into which the account number of the temporary account and the amount of the agency withdrawal are input, A transaction server comprising the above.

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