Remittance system

Abstract

To simplify transactions between financial institutions cooperating with each other through a dedicated line and to leave the same receipt and disbursement records as those of transactions using an existing dedicated line by executing payment and receipt transactions through a prescribed system.SOLUTION: The business entity device includes an information processing unit and a depositing and dispensing processing unit, the information processing unit includes an INET communication unit capable of communicating with the user terminal via the Internet, a user information storage unit that stores user information, a control unit that generates an instruction for the user terminal and the depositing and dispensing processing unit, and an in-device communication unit that communicates with the dispensing processing unit, the depositing and dispensing processing unit includes a BKNW communication unit capable of communicating with the financial institution device and an in-device communication unit capable of communicating with the information processing unit, the business entity device performs deposit and withdrawal from the financial institution through the BKNW communication unit according to an instruction from the user terminal, and stores the deposit and withdrawal in the user information storage unit.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an apparatus, a system, a control method and a control program for managing financial information between users and financial institutions. [Background technology]

[0002] Currently, users face many inconveniences when transferring funds between different financial institutions. For example, when a user transfers money from Bank A to Bank B, the transfer procedure is often complicated and time-consuming. Users must deal with the different procedures and systems of each financial institution, which incurs associated fees. Furthermore, real-time transfers are difficult to achieve, and it can take a long time for the transfer to be reflected. These issues are particularly pronounced when using different financial institutions, causing significant inconvenience to users.

[0003] Conventionally, a system such as that described in Patent Document 1 is known for transferring money between different financial institutions. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent Publication No. 2020-115296 Summary of the Invention [Problem to be solved by the invention]

[0005] However, even with such a system, withdrawals still had to be received manually via the financial institution's dedicated line (ATM network (ATMNW)).

[0006] For this reason, there is a need to build a new teller system that utilizes the dedicated lines of existing financial institutions.

[0007] The present invention has been made in light of the above circumstances, and its purpose is to provide a system that enables network-connected financial institutions to keep the same receipt and payment records as transactions made via a regular ATMNW by executing withdrawal and deposit transactions via a specified system. [Means for solving the problem]

[0008] Such a system is realized by providing a remittance information management device in which the business device includes a user terminal owned by the user, a financial institution device, and a business device capable of communicating between the user terminal and the financial institution device via a network, the business device having an INET communication unit capable of communicating with the user terminal via the Internet (INET), and a BKNW communication unit capable of communicating with the financial institution device, and which deposits and withdraws money from the user's account at the financial institution via the BKNW communication unit in response to instructions from the user terminal.

[0009] The present invention also provides a remittance information management device, wherein the financial institution devices include financial institution devices of at least two financial institutions.

[0010] The present invention also provides a remittance information management device, in which the business device is equipped with an account information storage unit that stores account information of the user's financial institution, and an account selection unit that allows the user to select account information for deposits and withdrawals.

[0011] The present invention also provides the above-described remittance information management device, wherein the business device includes an authentication unit that authenticates the user terminal.

[0012] The present invention also provides a remittance information management device that, in accordance with instructions from a user, realizes remittances from the user by sending withdrawal instructions and deposit instructions authorized by the user to each financial institution to the account of the financial institution from which the money is to be withdrawn and the account of the financial institution to which the money is to be deposited via the INET communication unit in the business device to the BKNW communication unit.

[0013] The present invention also provides the above-described remittance information management device, in which the account information is the user's cash card information, and whether the user is allowed to use the device is determined by confirming that the financial institution registration information, the cash card information, and the user terminal match.

[0014] The present invention also provides the above-described remittance information management device, in which, via the business device, the business operator issues instructions to the financial institution to make a payment from the user's account and to deposit money into the claimant's account, and notifies the financial institution of the completion of the withdrawal from the user's account and the deposit into the claimant's account.

[0015] Another aspect of the present invention is i) accessing a business device provided by the business from a user terminal device owned by the user and having the user select a financial institution to use; ii) displaying a usage authentication screen of the financial institution selected by the user on the user terminal via the business device and having the user input authentication information; iii) a step of confirming that the information entered by the user matches the account information of the selected financial institution on the business device; iv) the user confirming the remittance or request details and financial institution account information for deposit or withdrawal from his / her own terminal device through the business device; v) the business operator transmits the user's payment instructions to the financial institution that holds the user's account and authenticates the user using an authentication method designated by the financial institution; vi) the business operator transmitting instructions for payment from the user's account and instructions for depositing the payment into the biller's account to the financial institution through the business operator management device; vii) The business operator confirms the completion of the payment and deposit through the business operator management device, and executes a step of notifying the user and the claimant of the completion; To provide a deposit and withdrawal management program. [Effects of the Invention]

[0016] According to the present invention, by executing withdrawal and deposit transactions through a specified system, it is possible to provide a system that can record deposits and withdrawals from affiliated financial institutions via a dedicated line in the same way as transactions via a normal ATMNW. Furthermore, according to the present invention, while using an existing dedicated line, a user can actually go to a financial institution or a terminal owned by the financial institution (such as an ATM machine) to withdraw money from their own account and deposit it into another account using their own terminal. Furthermore, by using the system of the present invention, funds can be transferred through a financial institution's dedicated line without a cash withdrawal function, thereby reducing the cost of transferring funds. [Brief explanation of the drawings]

[0017] [Figure 1] FIG. 1 is a schematic diagram of a system according to the present invention. [Figure 2] FIG. 2 is a functional block diagram of a business operator device according to the present invention. [Figure 3] FIG. 3 is a sequence diagram showing the process when a user registers for use using the device according to the present invention. [Figure 4] FIG. 4 is a sequence diagram showing the process when a user registers for use using the device according to the present invention. [Figure 5] FIG. 5 is a sequence diagram showing a process in which a user transfers money using the device according to the present invention. [Figure 6] FIG. 6 is a sequence diagram showing a process in which a user transfers money using the device according to the present invention. [Figure 7] FIG. 7 is a diagram showing an outline of the operations performed when a user remits money using the device according to the present invention. [Figure 8] FIG. 8 is a diagram showing an outline of the operations performed when a user remits money using the device according to the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0018] In the present invention, a "user terminal" refers to a device operated by a user and connected to a service institution via a network. Specifically, this refers to a smartphone, tablet, or the like. A user's own PC can also be used as a terminal device. These user terminals can communicate with the business device of the present invention via a network and are equipped with a user interface for executing a program provided by the business device to perform deposit and withdrawal operations according to the present invention. Specifically, the user terminal connects to a financial institution via the business device of the present invention and can perform operations such as cash withdrawal processing and receiving an authentication code.

[0019] In this invention, a financial institution device is a device that plays an important role in managing users' financial transaction information and communicating with a carrier's management device. The financial institution device primarily functions as a management server within a financial institution, managing users' account information and transaction data, as well as deposits and withdrawals for account holders. It can also exchange information with other financial institutions as a bank server. From a security perspective, confidential information such as personal identification numbers and balance information is securely processed and transmitted directly to the carrier's management device without going through the carrier's management device, thereby preventing information leakage. Generally, financial institution devices are connected via dedicated lines, referred to herein as a BKNW. A typical example of this is an ATM network (ATMNW) that connects designated bank ATMs. In this invention, the BKNW has the function of generating transmission information for financial institutions, generating information that can be received by financial institutions, and linking with an element in the carrier's device with dedicated management functions (also referred to in this invention as a deposit / withdrawal information communication unit). Therefore, the carrier device and the financial institution work together to enable ATMNW processing at the terminal in accordance with instructions from the user's terminal.

[0020] In the present invention, the business device is a device provided independently of the user terminal and the financial institution device, and is functionally divided into an information processing section and a deposit / withdrawal processing section. The information processing section and the deposit / withdrawal processing section each include, for example, a central processing unit (CPU), random access memory (RAM), read-only memory (ROM), a hard disk, etc., and these elements are connected via a bus to enable communication.

[0021] The business device primarily functions as a business server. This server allows the business to manage transactions with users and exchange information with financial institutions. The business device communicates with the management server and financial institution servers to send and receive necessary information. Communication is performed via the Internet or dedicated lines, and by using the business device as a hub to switch and use dedicated lines as described in detail below, it is possible to connect to a wide range of financial institutions and networks.

[0022] The information processing unit of the business operator's device in this invention communicates with the user terminal and the deposit / withdrawal processing unit, and plays an important role in realizing remittance and accounting management. The components of the information processing unit include an INET communication unit. The INET communication unit is a part that communicates with the user terminal via the Internet, allowing users to access the business operator's device using their own terminal (smartphone, tablet, PC, etc.) and perform various financial transactions.

[0023] Next, the information processing unit of the business device in the present invention includes a user information storage unit. The user information storage unit stores various information related to the user, specifically, the user's personal information, account information, transaction history, etc. This information also stores data necessary for authentication when the user accesses the service again and for transaction processing.

[0024] Furthermore, the information processing unit of the business device in the present invention includes a control unit. The control unit is a part that performs the central function of the information processing unit and is responsible for generating instructions to the user terminal and the deposit / withdrawal processing unit. The control unit processes information input from the user, accesses the user information unit to extract appropriate information, and creates appropriate instructions for the financial institution. Furthermore, the control unit may be configured to monitor the progress of the transaction and notify the user and the financial institution as necessary.

[0025] The information processing unit in the present invention may include an internal communication unit that performs data communication between the information processing unit and the deposit / withdrawal processing unit, thereby allowing instructions generated by the information processing unit to be transmitted to the deposit / withdrawal processing unit quickly and accurately.

[0026] The functions of the information processing unit in the present invention also include an authentication unit. The authentication function authenticates a user when the user accesses the terminal, collates the information with the information stored in the user information storage unit, and verifies that the user is a legitimate user. The functions of the authentication unit can be substituted by the control unit.

[0027] The transaction processing function is also an important function of the information processing unit. The transaction processing function receives remittance instructions and deposit / withdrawal instructions from users and communicates with the financial institution device based on those instructions. This function can be executed by the control unit, which generates instructions according to the requirements of each financial institution and transmits them to the deposit / withdrawal processing unit via the device's internal communication unit.

[0028] The information processing unit can also include a data management function. The data management function manages and protects user information, and the data stored in the user information storage unit is updated appropriately according to instructions from the control unit. Measures are also taken to ensure data security and prevent unauthorized access and information leaks. These functions are executed in cooperation with the control unit and the user information storage unit, and cooperate with the deposit / withdrawal processing unit via the device's internal communication unit as necessary.

[0029] The information processing unit can also include a notification function, which notifies users and financial institutions of the progress and completion of transactions, allowing users to check the status of transactions in real time and improving the transparency and reliability of transactions.

[0030] The business device of the present invention may also be provided with a separate input device and display device for various information. By configuring it in this way, it is possible to handle and record operational errors and communication failures of the user terminal independently of the user terminal and the financial institution device.

[0031] ※Definition of deposit / withdrawal processing section※ The deposit / withdrawal processing unit of the business device in the present invention manages deposits and withdrawals by linking multiple accounts held by a user or between the financial institution where the user has an account and the account of a business that transacts with the user. The components of the deposit / withdrawal processing unit include a BKNW communication unit. The BKNW communication unit is a part that communicates with the user's financial institution device, thereby depositing and withdrawing funds from the user's account at the financial institution. The BKNW communication unit has the function of reliably transmitting instructions using a communication protocol according to the requirements of each financial institution. In one embodiment of the present invention, the BKNW communication unit may be an ATM network (ATMNW) owned by the financial institution that intends to make a deposit or withdrawal.

[0032] Next, the deposit / withdrawal processing unit of the business device in the present invention includes an internal communication unit. The internal communication unit is a part that performs data communication between the information processing unit and the deposit / withdrawal processing unit, thereby allowing instructions generated by the information processing unit to be transmitted to the deposit / withdrawal processing unit quickly and accurately. The internal communication unit includes an interface for realizing high-speed and reliable data communication.

[0033] The functions of the deposit / withdrawal processing unit of the business device in this invention include, first, a function for executing deposit / withdrawal instructions. The deposit / withdrawal instruction execution function executes deposit / withdrawal operations for the user's account based on instructions from the information processing unit. Instructions are sent to each financial institution via the BKNW communication unit, and the execution of the transaction is confirmed. A transaction result feedback function is also provided. The transaction result feedback function receives responses from financial institutions and transmits the results to the information processing unit. This feedback allows the success or failure of the transaction to be immediately recognized, and the user and other relevant parties are notified as necessary.

[0034] The deposit / withdrawal processing unit of the business device in the present invention may be equipped with a security management function. The security management function protects data generated during deposit / withdrawal operations. The confidentiality and integrity of transaction information is ensured by preventing unauthorized access and encrypting data.

[0035] The deposit / withdrawal processing unit of the business device in the present invention may be equipped with a fault recovery function for dealing with faults that may occur during deposit / withdrawal processing, and in the event of a communication error or system failure, the function will automatically retry or log the error to prompt appropriate action.

[0036] In the present invention, when a user registers with a business device of the present invention, the business device may be configured to query a financial institution for authentication information and, if authenticated by the financial institution, store an access token to the financial institution and display the account number and linkage number of the selected financial institution on the user terminal. Also, the business device may be configured to read the account information of the selected financial institution through the user terminal and prompt the user to enter a PIN and linkage number.

[0037] Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

[0038] An outline of the system according to the present invention will be explained with reference to Figure 1. The system is composed of a user terminal (50), a business operator device (10), a financial institution A device (70), a financial institution B device (80), and a financial institution C device (90). Each device is connected to the other devices via a network via the Internet (40) and a financial institution dedicated line (60).

[0039] The user terminal (50) is a device such as a smartphone, tablet, or PC operated by the user, and accesses the server of the business operator X to issue remittance instructions. The business operator device (10) receives instructions from the user terminal (10) and manages access to financial institutions. As will be described in detail below, it communicates with the user terminal via an INET communication unit and with each financial institution device via a BKNW communication unit.

[0040] In Figure 1, financial institution A device (70), financial institution B device (80), and financial institution C device (90) are devices installed at each financial institution, which withdraw funds from a user's account and transfer funds to a desired transaction account based on instructions from business device (10). In the present invention, by cooperating with business device to perform deposits and withdrawals between financial institution devices, it is possible to keep the same receipt and withdrawal records as if the user had actually operated a financial institution's counter or ATM.

[0041] Figure 2 is a functional block diagram of the business device according to the present invention. The business device is composed of several main components, including an information processing unit (100) and a deposit / withdrawal processing unit (140). Each component has a specific function, and together they form a system for realizing remittance and receipt / withdrawal management.

[0042] The information processing unit (110) communicates with the user terminal (10) and the deposit / withdrawal processing unit (140) and controls various operations for realizing remittance and receipt management. The information processing unit (110) mainly includes an INET communication unit (111), a user information storage unit (120), and a control unit (130).

[0043] The INET communication unit (111) communicates with the user terminal (10) via the Internet and serves as an interface when the user issues a remittance instruction. The user information storage unit (120) stores various information about the user, specifically, safely storing the user's personal information, account information, transaction history, etc. In FIG. 2, the user information storage unit (120) may primarily include a user database (121), a user withdrawal account database (122), and a settlement account database (123) of the business operator that transacts with the user. The withdrawal account DB (122) can register the user's accounts at multiple financial institutions registered by the user, and the settlement account DB (123) can register the user's main deposit account at multiple financial institutions registered by the user. These accounts can be configured to be selected from financial institutions pre-registered in the business operator device of the present invention.

[0044] In Fig. 2, the control unit (130) has the role of generating instructions to the user information processing unit (120) and the deposit / withdrawal processing unit (140). It may also have a function of monitoring the progress of transactions and notifying users and financial institutions as necessary.

[0045] In Fig. 2, the in-device communication unit communicates data between the information processing unit (110) and the deposit / withdrawal processing unit (140). In Fig. 2, the in-device communication unit is depicted as part of the functional block diagram of the information processing unit (110) and the deposit / withdrawal processing unit (140), but it may be configured as a single block in the business operator device (10).

[0046] In FIG. 2, the deposit / withdrawal processing unit (140) has a BKNW communication unit (141) and has a function capable of communicating with a dedicated communication line in a financial institution device, and executes deposit / withdrawal operations for a user's account.

[0047] Next, with reference to FIGS. 3 and 4, a registration process when a user uses the business device of the present invention will be described.

[0048] First, the user terminal (10) accesses the provider's server via the INET communication unit (111) of the information processing unit (110) in the provider device (10) (ST1).

[0049] The business operator device (10) displays a list of connectable financial institutions on the screen of the user terminal (50). In this embodiment, connectable financial institutions are financial institutions that the business operator has previously designated as available for partnership. The user selects a financial institution to which to withdraw or remit money from this list (ST2).

[0050] An authentication screen of the financial institution selected by the user is displayed on the user terminal (50), and the user enters authentication information such as an ID and password. This data is temporarily stored in the user information storage unit (120) via the INET communication unit (111), and is then transmitted to the intended financial institution device via the control unit (130) from the internal communication unit in the business device (10) through the BKNW communication unit (141) (ST3).

[0051] The authentication information is sent to the selected financial institution device, and authentication is performed. This communication is performed via the BKNW communication unit (141) and the financial institution dedicated communication line (60) (ST4). If the financial institution authenticates the user, the process proceeds to the next step of approving the account information, but if the entered information is incorrect, the process stops.

[0052] Next, if the authentication is successful, the business operator device (10) acquires account information of the financial institution selected by the user and displays it on the user terminal. This information is recorded in the user information storage unit (120). At this time, the control unit (130) in the information processing unit (110) can store the access token of the authenticated financial institution in the user information processing unit (120) (ST5).

[0053] Next, the user inputs cash card information. Specifically, the cash card's PIN number, link number, etc. The cash card is read through the user terminal (10), and the information is temporarily stored in the user information processing unit (20) via the INET communication unit (111). The information obtained from the cash card by the control unit (130) is sent to the user information storage unit (120) and compared with the information stored there (ST6).

[0054] Next, the control unit (130) compares the information acquired from the cash card with the account information of the authenticated financial institution. This process is performed by the information processing unit (110) via the internal communication unit (114). If the comparison is successful, it is considered that identity verification is complete (ST7).

[0055] Next, if the information matches, the information processing unit (110) in the business operator device (10) stores in the user information storage unit (120) the fact that identity verification has been completed, and sends a notification of registration completion to the user via the INET communication unit (111) (ST8 and ST9).

[0056] Next, with reference to FIG. 5, an embodiment in which a user executes remittance through a business operator's device will be described.

[0057] The user makes a remittance request to the business operator device (10) from the user terminal (50) (ST10). Specifically, the user accesses the business operator device (10) via the Internet using an application downloaded to the user terminal or a browser provided by the business operator.

[0058] Next, the user accesses the operator's server from his / her own terminal device via the mobile app or website provided by the operator and confirms the account information of Financial Institution A from which the funds are to be withdrawn (ST11). Specifically, the user selects Financial Institution A from which the funds are to be withdrawn, submits a withdrawal request, and selects the account of the financial institution to which the funds are to be transferred via the INET communication unit (111) of the information processing unit (110) of the operator device (10). While FIG. 5 illustrates a case in which funds are withdrawn from an account at Financial Institution A and deposited into an account at Financial Institution B, the accounts may be at the same financial institution. At this time, the user DB (121) of the user information storage unit (120) is matched with the authentication information of the user's terminal, and the control unit (130) specifies the account at Financial Institution A and issues an instruction to confirm the user's account balance at Financial Institution A via the in-device communication unit and the BKNW communication unit (141) of the deposit / withdrawal processing unit (140) via the ATMNW of Financial Institution A to refer to the account balance specified by the user. Such account balance information is transmitted from the BKNW communication unit (141) to the control unit (130) via the in-device communication unit. In response to an instruction from the control unit (130), this information is stored in the withdrawal account DB (122), and the balance is displayed on the user terminal via the INET communication unit (111) (not shown).

[0059] Next, the user checks the balance displayed on the terminal and issues a remittance request (ST12). If the user does not issue a remittance request, the process ends.

[0060] The business operator transmits the remittance instruction from the user to financial institution A where the user holds an account, presents the authentication method specified by financial institution A to the user, and the user authenticates himself / herself (ST13).

[0061] Next, if the identity authentication performed by the user is confirmed to match the information stored in the user information storage unit (120) in the business operator device (10) (in this embodiment, the user DB (121) and the information in the withdrawal account DB (122)), the authentication is permitted (ST14) and the process proceeds to a step (ST15) of issuing an instruction to the financial institution A to withdraw money. If the authentication is not successful, the user can select a different withdrawal account or change the remittance amount, and the process returns to ST11 to confirm the account information.

[0062] Next, the business operator's device (10) issues a withdrawal instruction to financial institution A, transmits a deposit instruction to the intended account, confirms the completion of the instructed deposit / withdrawal, transmits the receipt and withdrawal information up to that point to the user's terminal, and stores the transaction status in the business operator's device. Specifically, in the information processing unit (110) that receives the remittance instruction from the user's terminal, the control unit (130) extracts information from the withdrawal account DB (122) stored in the user information storage unit (120) and transmits it to the BKNW communication unit (141) of the deposit / withdrawal processing unit (140) via the in-device communication unit, and then transmits an appropriate command such as a withdrawal message to financial institution A via the ATMNW of financial institution A. When a withdrawal process is performed at financial institution A, information corresponding to the completion of the withdrawal is received from the BKNW communication unit (141) of the business device (10) via the ATMNW of financial institution A, and is stored in the withdrawal account DB (122) in the user information storage unit (120) of the information processing unit (110), and is notified to the user terminal via the INET communication unit (111). In the present invention, the deposit processing unit (140) of the business device serves as a relay server for the ATMNW of the affiliated financial institution, and can instruct the financial institution via the ATMNW to perform a transfer process to the deposit account, triggered by information indicating the completion of the withdrawal process from the withdrawal account. Therefore, the information stored in the user terminal (50) and the user information storage unit (120) can be recorded in the same way as when the user makes a deposit or withdrawal at the ATM terminal.

[0063] Next, referring to FIG. 6, an embodiment in which a user makes a payment from a bank account will be described.

[0064] In another aspect of the present invention, when a user makes a payment, for example, for electricity, gas, or water, the user can register in advance with the business operator device, allowing the business operator to receive the user's payment information and contact the user. Specifically, at the stage corresponding to ST20 in Fig. 6, the business operator providing the business operator device can receive the billing information on behalf of the user and notify the user. Alternatively, the user may receive such information himself and use the business operator device (10) to instruct the payment process.

[0065] Next, the user accesses the operator's server from their own terminal device via the mobile app or website provided by the operator, and checks the billing details and the financial institution account information (balance, etc.) for payment (ST21). This is basically the same as ST11 in Fig. 5, where the user selects Financial Institution A from which to withdraw funds, requests a withdrawal, selects the account of the financial institution to which the funds will be transferred, and checks the account balance of Financial Institution A via the INET communication unit (111) of the information processing unit (110) of the operator's device (10).

[0066] Next, the user checks the balance displayed on the terminal and issues a remittance request (ST22). If the user does not issue a remittance request, the process ends.

[0067] The business operator transmits the remittance instruction from the user to financial institution A where the user holds an account, presents the authentication method specified by financial institution A to the user, and the user authenticates himself / herself (ST23).

[0068] Next, if the identity authentication performed by the user is confirmed to match the information stored in the user information storage unit (120) in the business operator device (10) (in this embodiment, the user DB (121) and the information in the withdrawal account DB (122)), the authentication is permitted (ST24) and the process proceeds to a step (ST25) of issuing an instruction to the financial institution A to withdraw money. If the authentication is not successful, the user can select a different withdrawal account or change the remittance amount, and can therefore return to ST21 to confirm the account information.

[0069] Next, the business device (10) issues a withdrawal instruction to financial institution A and transmits a deposit instruction to the user's intended account. After confirming the completion of the requested deposit / withdrawal, the transaction information up to that point is sent to the user's terminal, and the business device stores the transaction status. This operation is essentially the same as that shown in FIG. 5. However, in this embodiment, the financial institution of the requester's account that bills the user is not necessarily the same as the financial institution where the user's withdrawal account is located; in fact, they are often different. Furthermore, the financial institution dedicated lines (60) may also be different. Therefore, the BKNW communication unit (141) provided in the deposit / withdrawal processing unit (140) of the business device (10) may be equipped with a different financial institution dedicated line (in most cases, an ATMNW). This can be added or removed as appropriate depending on the partnership between the business device and the financial institution device. In this example, when the user deposits money into an account of a financial institution with a financial institution dedicated line different from the financial institution dedicated line for the withdrawal account, the BKNW communication unit in the deposit / withdrawal processing unit (140) can be switched to deposit money into an account of a financial institution with a different financial institution dedicated line. By adopting such a configuration, the information stored in the user terminal (50) and the user information storage unit (120) can be recorded in the same way as when a user makes a deposit or withdrawal at an ATM terminal.

[0070] Next, the embodiment described in Fig. 6 will be described in detail with reference to Fig. 7. When a user wishes to start a remittance, he / she accesses the business operator's device (10) (81). Next, the business operator's terminal (10) verifies the user information and withdrawal account information stored in the information processing unit (110) in accordance with the user's instructions, and generates the selection of the financial institution to be accessed and the account information in the control unit of the information processing unit, and transmits them to the deposit / withdrawal processing unit (140) (83).

[0071] The deposit / withdrawal processing unit (140) connects to the ATMNW of financial institution A (84), creates a withdrawal request instruction (a), and sends a withdrawal request to financial institution A (85). In this example, the withdrawal request instruction (a) corresponds to, but is not limited to, a withdrawal request message. Next, after the withdrawal request is approved by financial institution A (86), it is sent to the deposit / withdrawal processing unit (140) related to the business device of the present invention via the financial institution line (61) (87).

[0072] The withdrawal processing information received by the deposit / withdrawal processing unit (140) is transmitted to the information processing unit (110) (812) in preparation for storing the transaction and notifying the user. Meanwhile, triggered by the receipt (87) of the deposit / withdrawal instruction unit (140) of the approved withdrawal request (86), the deposit / withdrawal processing unit (140) issues a deposit instruction (88) to the account of financial institution B designated in advance by the user. The associated financial institution dedicated line (61) creates a withdrawal request instruction (b), performs a deposit process (89) to the deposit account of financial institution A, and transmits deposit completion information (810) to the deposit / withdrawal processing unit (140) in the business device via the financial institution dedicated line 61 (811).

[0073] The deposit processing information received via the deposit / withdrawal processing unit (140) is sent to the information processing unit (110), and the transaction is stored in the user memory unit (120) (not shown) and also displayed on the user terminal (814).

[0074] Next, referring to Figure 8, the embodiment described in Figure 7 will be described in detail using another diagram. When a user wants to start a remittance, he or she accesses the business operator's device (10) (92). In this embodiment, the user may have previously received a request for a bill from a biller who has an account with financial institution C (91). The application provided by the business operator's device may be configured to receive such billing information, and upon receiving the billing information, the business operator may notify the user of receipt of the bill. In addition, in this embodiment, a case will be described in which financial institution B, from which the user has an account to withdraw funds, and financial institution C, from which the user has an account to deposit funds, are connected to separate financial institution dedicated lines (62, 63).

[0075] Next, the carrier terminal (10) verifies the user information and withdrawal account information stored in the information processing unit (110) in accordance with instructions from the user, and generates the selection of the financial institution to be accessed and the account information in the control unit of the information processing unit, and transmits them to the deposit / withdrawal processing unit (140a) (94).

[0076] The deposit / withdrawal processing unit (140a) connects to the ATMNW of financial institution B (95), creates a withdrawal request instruction (a) (not shown), and sends a withdrawal request to financial institution B (96). In this embodiment, the withdrawal request instruction (a) corresponds to, but is not limited to, a withdrawal request message. Next, after the withdrawal request is approved by financial institution B (97), it is transmitted to the deposit / withdrawal processing unit (140a) associated with the business device of the present invention via the financial institution dedicated line (62) (98).

[0077] The withdrawal processing information received by the deposit / withdrawal processing unit (140a) is transmitted to the information processing unit (110) (914) in preparation for storing the transaction and notifying the user. Meanwhile, triggered by the receipt (98) of the approved withdrawal request (98) by the deposit / withdrawal instruction unit (140a), the deposit / withdrawal processing unit (140a), in cooperation with the deposit / withdrawal processing unit (140b), issues a deposit instruction (99) to another account at financial institution C previously designated by the user. The financial institution dedicated line (63) in cooperation with financial institution C creates a withdrawal request instruction (b) (not shown), performs a deposit process to the deposit account at financial institution C (910), and transmits deposit completion information (911) to the deposit / withdrawal processing unit (140) in the business device via the financial institution dedicated line 61 (912).

[0078] The deposit processing information received via the deposit / withdrawal processing unit (140b) is sent to the information processing unit (110), and the transaction is stored in the user memory unit (120) (not shown) and also displayed on the user terminal (915). [Explanation of symbols]

[0079] 50 User terminals 40 Internet lines 10 Operator equipment 60, 61, 62, 63 Financial institution dedicated lines 70 Financial Institution A 80 Financial Institution B 90 Financial Institution C 110 Information Processing Department 111 INET Communications Department 120 User information storage unit 121 User Database (DB) 122 Withdrawal Account DB 123 Payment Account DB 130 Control Unit 140 Deposit and Withdrawal Processing Unit 141 BKNW Communications Department

Claims

1. User terminal owned by the user Financial institution equipment and A teller management system including a business device capable of communicating between the user terminal and the financial institution device through a network, the business operator device includes an information processing unit and a deposit / withdrawal processing unit, the information processing unit includes an INET communication unit capable of communicating with a user terminal via the Internet, a user information storage unit that stores user information, a control unit that generates instructions for the user terminal and the deposit / withdrawal processing unit, and an in-device communication unit that communicates with the deposit / withdrawal processing unit, The deposit / withdrawal processing unit includes a BKNW communication unit capable of communicating with the financial institution device and an in-device communication unit capable of communicating with the information processing unit, The business device, in response to an instruction from the user terminal, performs a deposit or withdrawal from the financial institution via a BKNW communication unit and stores the information in the user information storage unit. Deposit and withdrawal management system.

2. the financial institution devices include financial institution devices of at least two financial institutions; The deposit / withdrawal management system according to claim 1.

3. The user information storage unit stores withdrawal account information of a financial institution from which the user withdraws money, and deposit account information of the financial institution into which the user deposits money. The deposit / withdrawal management system according to claim 1 or 2.

4. The information processing unit includes an authentication unit that authenticates the user terminal. The deposit / withdrawal management system according to claim 1 or 2.

5. The withdrawal account information and the user's cash card information, By checking the user terminal and authentication information, it is determined whether the user is allowed to use the service. The deposit / withdrawal management system according to claim 4.

6. The deposit / withdrawal processing unit further includes a BKNW selection unit that selects an appropriate BKNW communication unit according to the deposit account information instructed by the information processing unit. The deposit / withdrawal management system according to claim 1.

7. A business device for managing deposits and withdrawals of users, the business device including an information management unit, a deposit processing unit, and an in-device communication unit for communicating between the information management unit and a deposit and withdrawal management unit, The information processing unit: an INET communication unit for communicating with a user terminal owned by a user; a user information storage unit including at least attribute information of the user and information to be used for deposits and withdrawals of the user; a control unit that processes information from the user information storage unit based on an instruction from the INET communication unit; an internal communication unit capable of communicating with the deposit / withdrawal processing unit; The deposit / withdrawal processing unit: a BKNW communication unit capable of communicating with financial institutions used by users stored in the user information storage unit; A business operator device including an internal communication unit capable of communicating with the information processing unit.

8. i) accessing a business device provided by the business from a user terminal device owned by the user and having the user select a financial institution to use; ii) displaying an authentication screen for the financial institution selected by the user on the user terminal via the business device and having the user input authentication information; iii) a step of confirming that the information entered by the user matches the account information of the selected financial institution on the business device; iv) the user confirming the remittance or request details and financial institution account information for deposit or withdrawal from his / her own terminal device through the business operator's device; v) the business operator transmits the user's payment instructions to the financial institution that holds the user's account and authenticates the user using an authentication method designated by the financial institution; vi) the business operator transmits instructions for payment from the user's account and instructions for depositing the payment into the biller's account to the financial institution through the business operator management device; vii) The business operator executes a step of confirming the completion of the payment and the receipt of the payment through the business operator management device and notifying the user and the claimant of the completion; Deposit and withdrawal management program.

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