Information processing system, trading device, program, and information processing method

Abstract

To provide a technology capable of further improving the convenience of a client in a transaction in a financial institution.SOLUTION: An information processing system is a cash processing system that includes: a storage device for storing a history of deposits of processing of a client; a cash processor; and a transaction device connected to the storage device and the cash processor. The cash processor is provided with a cash processing part for processing cash deposition on the basis of transaction information acquired by a first reading part for reading an information code of a slip. The storage device stores slip identification information included in the transaction information when the processing of cash deposition by the cash processing part is completed. The transaction device includes: a second reading part for reading the information code of the slip; a determination part for determining the completion of deposition of a deposit / withdrawal transaction of the slip on the basis of the slip identification information acquired by the second reading part; and a transaction execution part for executing a financial transaction about a deposit / withdrawal transaction with completion of the deposition having been determined.SELECTED DRAWING: Figure 1

Description

Technical Field

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[0001] The present invention relates to an information processing system, a transaction device, a program, and an information processing method.

Background Art

[0002] Conventionally, financial institutions have installed cash processing devices and counter terminals operated by operators. Although operations on the cash processing devices were performed by operators, self-service cash processing devices that allow customers to deposit cash by themselves have also been provided.

[0003] For example, in Patent Document 1, a customer operates a cash processing device installed at a storefront to deposit cash, and based on a deposit receipt issued after the deposit is completed, an operator updates the ledger at a counter terminal and posts the deposit amount to the customer's passbook and returns it. A transaction processing system is disclosed.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, further improvement in customer convenience in transactions at financial institutions is desired.

[0006] Therefore, an object of the present invention is to provide a novel and improved technology that can further improve customer convenience in transactions at financial institutions.

Means for Solving the Problems

[0007] To solve the above problems, according to one aspect of the present invention, an information processing system is provided comprising: a storage device for storing a history of customer deposit processing; a cash processing device for processing cash; and a transaction device configured to communicate with the storage device and the cash processing device, wherein the cash processing device includes a cash processing unit that processes cash deposits based on transaction information obtained by a first reading unit that reads the information code of a slip; the storage device stores slip identification information included in the transaction information once the cash processing unit has completed the deposit processing; and the transaction device includes a second reading unit that reads the information code of the slip; an identification unit that identifies the completion of a deposit for a deposit / withdrawal transaction related to a slip by referring to the storage device based on the slip identification information obtained by the second reading unit; and a transaction execution unit that performs a financial transaction using the deposited cash as the source for a deposit / withdrawal transaction for which the completion of the deposit has been identified.

[0008] The information processing system may further include a reception terminal that outputs the customer's reception number, the cash processing device may acquire the reception number based on the customer's input operation, and the storage device may store the receipt identification information of the cash processing device after the cash payment processing has been completed, in association with the reception number.

[0009] The information processing system may further include a control unit for controlling the storage device. When the first reading unit reads the information codes of multiple slips corresponding to the same receipt number, the control unit may calculate the amount to be deposited based on the multiple transaction information pertaining to the multiple slips. Once the cash processing unit has completed the deposit processing for the amount to be deposited, the control unit may associate the same receipt number with the multiple slip identification information and store it in the storage unit.

[0010] The control unit may, based on the slip identification information relating to the deposit and withdrawal transactions for which financial transactions have been performed by the trading device, refer to the storage device to identify the reception number associated with the slip identification information, and if there is other slip identification information in the storage device associated with the reception number identified by the control unit, the trading device may perform financial transactions for the deposit and withdrawal transactions relating to the other slip identification information.

[0011] The transaction information indicated by the information code may include information regarding at least one of the following: the deposit amount, the transfer amount, or the transfer fee.

[0012] The transaction information indicated by the aforementioned information code may include at least information regarding transfer fees.

[0013] The aforementioned document may be an electronic document created by the customer using an electronic document creation function provided to the financial institution's customers via the internet.

[0014] Furthermore, in order to solve the above problems, according to another aspect of the present invention, a trading device is provided that includes: a reading unit for reading the information code of a slip; an identification unit for identifying the completion of a deposit for a deposit / withdrawal transaction related to a slip by referring to a storage device that holds slip identification information related to a deposit / withdrawal transaction for which the deposit processing by a cash processing device has been completed, based on the slip identification information obtained by the reading unit; and a transaction execution unit for conducting a financial transaction using the deposited cash as the source of funds for the deposit / withdrawal transaction for which the completion of the deposit has been identified.

[0015] Furthermore, in order to solve the above problems, according to another aspect of the present invention, a program is provided to cause a computer to function as: a reading unit that reads the information code of a slip; an identification unit that identifies the completion of a deposit for a deposit / withdrawal transaction relating to a slip by referring to a storage device that holds slip identification information relating to a deposit / withdrawal transaction for which the deposit processing by a cash processing device has been completed, based on the slip identification information obtained by the reading unit; and a transaction execution unit that, for the deposit / withdrawal transaction for which the completion of the deposit has been identified, executes a financial transaction using the deposited cash as the source.

[0016] Furthermore, in order to solve the above problems, according to another aspect of the present invention, there is a computer-based information processing method provided, which includes: reading the information code of a slip; identifying the completion of a deposit for a deposit / withdrawal transaction relating to a slip by referring to a storage device that holds slip identification information relating to a deposit / withdrawal transaction for which the deposit processing by a cash processing device has been completed, based on the slip identification information obtained by reading the information code; and conducting a financial transaction with the deposited cash as the source of funds for the deposit / withdrawal transaction for which the completion of the deposit has been identified. [Effects of the Invention]

[0017] As described above, the present invention provides a novel and improved technology that can further enhance customer convenience in transactions at financial institutions. [Brief explanation of the drawing]

[0018] [Figure 1] This is an explanatory diagram illustrating the overview of an information processing system according to one embodiment of the present invention. [Figure 2] This is a block diagram illustrating an example of the functional configuration of the customer terminal 20 according to this embodiment. [Figure 3] This is a block diagram illustrating an example of the functional configuration of the control server 40 according to this embodiment. [Figure 4] This is an explanatory diagram illustrating the calculation of cash inflows and outflows by the cash inflow and outflow calculation unit 421. [Figure 5] It is an explanatory diagram for explaining an example of a cash processing history table T2 stored in a storage unit 430 by a history management unit 423. [Figure 6] It is a block diagram showing a functional configuration example of a cash processing device 50 according to the present embodiment. [Figure 7] It is a block diagram showing a functional configuration example of a transaction device 60 according to the present embodiment. [Figure 8] It is a first sequence diagram for explaining an operation processing example of an information processing system according to the present embodiment. [Figure 9] It is a second sequence diagram for explaining an operation processing example of an information processing system according to the present embodiment. [Figure 10] It is an explanatory diagram showing an example of a screen displayed by a cash processing device 50 according to the present embodiment. [Figure 11] It is an explanatory diagram showing another example of a screen displayed by a cash processing device 50 according to the present embodiment. [Figure 12] It is an explanatory diagram showing another example of a screen displayed by a cash processing device 50 according to the present embodiment. [Figure 13] It is an explanatory diagram showing another example of a screen displayed by a cash processing device 50 according to the present embodiment. [Figure 14] It is a third sequence diagram for explaining an operation processing example of an information processing system according to the present embodiment. [Figure 15] It is a diagram showing a hardware configuration example of a transaction device 60 according to the present embodiment.

Embodiments for Carrying Out the Invention

[0019] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant description is omitted.

[0020] Furthermore, in this specification and drawings, multiple components having substantially the same functional configuration may be distinguished by adding different numbers after the same reference numeral. However, if there is no need to particularly distinguish each of multiple components having substantially the same functional configuration, each of the multiple components will be given only the same reference numeral.

[0021] <1. Overview of an information processing system according to one embodiment of the present invention> One embodiment of the present invention relates to an information processing system for financial institutions that handles deposit and withdrawal transactions involving cash deposits. More specifically, it relates to an information processing system that enables customers to conduct deposit and withdrawal transactions involving cash deposits using electronic documents (hereinafter also referred to as vouchers or web vouchers) relating to the details of financial transactions that they have prepared in advance at their homes or offices. According to this information processing system, operators can conduct financial transactions using the aforementioned pre-prepared vouchers, and customers can accept cash deposits by operating a self-service cash processing device.

[0022] (Organizing the issues) Traditionally, when customers attempted to conduct transactions at financial institutions using pre-filled forms, they had to confirm the transaction fees at a counter staffed by an operator before using the cash processing system, because the required transaction amount stated on the form was not yet finalized. The required transaction amount refers to the transaction amount plus the financial institution's fees incurred in that transaction.

[0023] Furthermore, customers who wanted to conduct transactions involving multiple forms in a single transaction had to visit a branch office once to have the fees and total deposit and withdrawal amounts for all transactions calculated.

[0024] As a result, a problem arose where many customers who visited the store concentrated at the counters where operators were present.

[0025] One aspect of the present invention is the provision of a system that allows many customers who visit a branch for various financial transactions to proceed directly to a deposit / withdrawal device without having to go through calculation processing at a counter staffed by an operator.

[0026] First, with reference to Figure 1, an overview of an information processing system according to one embodiment of the present invention will be described.

[0027] Figure 1 is an explanatory diagram illustrating the outline of an information processing system according to one embodiment of the present invention. The information processing system according to this embodiment includes, for example, a management center server 10, a customer terminal 20, a reception number ticket issuing machine 30, a control server 40, a cash processing device 50, and a transaction device 60, as shown in Figure 1.

[0028] Although Figure 1 shows one cash processing unit 50 and one transaction device 60, the information processing system according to this embodiment may have two or more cash processing units 50 and two or more transaction devices 60. Also, although Figure 1 shows one customer terminal 20, the information processing system according to this embodiment may have multiple customer terminals 20.

[0029] (Management Center Server 10) The management center server 10 has the function of providing a web application for creating web slips that can be used by customers from a browser on the customer terminal 20. A web slip is an electronic document that shows transaction information related to deposit and withdrawal transactions. Transaction information is entered by the customer using the above web application. The web slip also includes an information code that shows the above transaction information. The information code may be a two-dimensional code such as a QR code (registered trademark). The management center server 10 and the customer terminal 20 are configured to communicate with each other via the network 5.

[0030] Transaction information displays various information necessary for deposit and withdrawal transactions, such as deposits, withdrawals, or transfers by customers. For example, transaction information includes information on the deposit and withdrawal amounts for each transaction, or information on the transfer amount and transfer fees. Furthermore, transaction information includes transaction identification information that uniquely identifies each Web transaction. In this specification, the above Web application provided by the management center server 10 is hereinafter referred to as the Web transaction system.

[0031] Such a management center server 10 has the function of generating a print image of a web slip based on transaction information entered by the customer terminal 20 when it accesses the web slip system. The management center server 10 also has the function of generating an information code C (e.g., a QR code) that indicates the transaction information. The information code C may also be an information code that indicates slip identification information. The print image of the web slip includes the information code C. The management center server 10 sends the generated print image of the web slip, including the information code C, to the customer terminal 20. Alternatively, the management center server 10 may send an image of only the information code C as separate image data from the print image of the web slip, along with the print image of the web slip, to the customer terminal 20.

[0032] (Customer terminal 20) The customer terminal 20 is a terminal used by customers of financial institutions and other users. The customer terminal 20 can be implemented as, for example, a PC (Personal Computer), a smartphone, or a tablet device. Customers can use the customer terminal 20 to connect to the web slip system and create web slips from any location, such as their home or office. Customers can also print the web slip R using the printer 2 connected to the customer terminal 20. In this case, the information code C is printed on the web slip R. Alternatively, the web slip R may be stored in the customer terminal 20 as screen data that can be displayed on the customer terminal 20. In this case, the customer can display the information code C on the screen of the customer terminal 20. The customer terminal 20 and the printer 2 may be connected by a wired connection or by a wireless connection.

[0033] Customers can bring a pre-created and printed Web slip R to a branch of a financial institution. At the branch, customers can also deposit cash for a deposit / withdrawal transaction related to the Web slip by having the cash processing unit 50 read the information code C printed on the Web slip R. At this time, the cash processing unit 50 retrieves the transaction information that the customer has previously entered in the Web slip system by reading the information code C. This eliminates the need for customers to re-enter all the transaction information at the branch, potentially reducing customer waiting times.

[0034] (Ticket issuing machine 30) The queue number ticketing machine 30 is a terminal that issues queue numbers to customers who visit the store. For example, the queue number ticketing machine 30 assigns a queue number to the customer in response to an operation by the customer or the financial institution's store staff, and prints the queue number on a receipt (paper medium).

[0035] Alternatively, the ticket issuing machine 30 may, for example, be equipped with an IC card slot and write the reception number to a predetermined IC (Integrated Circuit) card and eject it, or it may transmit display screen information showing the reception number to a personal terminal (smartphone, etc.) carried by the customer. For example, the ticket issuing machine 30 may electrically write the reception number information to the IC memory of the cash card inserted by the customer and eject it.

[0036] (Cash processing device 50) The cash processing device 50 is a self-service cash processing device operated by customers, such as customers of financial institutions. For example, the cash processing device 50 shown in Figure 1 has a cash processing device 540 consisting of a banknote processing device 542 and a coin processing device 544. The banknote processing device 542 handles the deposit and withdrawal of banknotes, and the coin processing device 544 handles the deposit and withdrawal of coins.

[0037] Furthermore, the top surface of the cash processing device 50 is provided with an operation display unit 510 that has the functions of operation input and display, and a reading unit 520 that optically reads information codes such as barcodes or QR codes. The cash processing device 50 obtains transaction information and slip identification information related to the web slip by reading the QR code printed on the web slip with the reading unit 520.

[0038] Furthermore, as shown in Figure 1, the banknote processing unit 542 of the cash processing unit 50 is equipped with a banknote deposit / withdrawal slot 11 for depositing and withdrawing banknotes. The coin processing unit 544 is equipped with a coin deposit / withdrawal slot 19 for depositing and withdrawing coins, and a return slot 24 for returning foreign objects.

[0039] The cash processing device 50 reads the QR code using the reading unit 520 and obtains transaction information and slip identification information. The cash processing device 50 also accepts the input of a reception number via the operation display unit 510. The cash processing device 50 transmits the transaction information, slip identification information, and reception number to the control server 40. The cash processing device 50 then processes the deposit of cash related to the transaction information based on the control of the control server 40.

[0040] According to the cash processing device 50, customers can operate the cash processing device themselves, whereas previously cash handling was performed by tellers at the counter of financial institutions. This reduces the amount of cash handling work performed by operators.

[0041] (Control Server 40) The control server 40 communicates with the cash processing unit 50 via the network 6. The control server 40 can also issue operational instructions to the cash processing unit 50. For example, when the cash processing unit 50 completes the cash deposit processing related to the transaction information received from the cash processing unit 50, the control server 40 stores the transaction information in association with the receipt number. Such a control server 40 is an example of a storage device and a control unit that controls the storage device.

[0042] (Trading device 60) The transaction device 60 is, for example, located at the counter of a financial institution and operated by an operator such as a financial institution employee. The transaction device 60 is connected to the control server 40 via the network 7. The transaction device 60 is equipped with a reading unit 640 that can optically read information codes such as QR codes and text information written on slips. The transaction device 60 may also be equipped with a printer 630 that can print on passbooks or slips. Such a transaction device 60 communicates with the accounting server 70 and the branch server 80 via the network 8 and network 9, respectively, and has the function of executing core financial institution transactions such as deposits, loans, and foreign exchange.

[0043] The trading device 60 can execute financial transactions such as deposits or transfers based on operations performed by an operator. The execution of financial transactions by the trading device 60 updates the ledger in the accounting server 70, either directly or via the branch server 80. This process, involving the cooperation of the trading device 60, the accounting server 70, and the branch server 80, including the execution of financial transactions by the trading device 60 and the request for ledger updates to the accounting server 70, will hereinafter also be referred to as accounting processing.

[0044] Furthermore, the transaction device 60 according to this embodiment acquires transaction information and transaction identification information related to a Web slip by reading the information code printed on the Web slip brought in by the customer using the reading unit 640. Based on the acquired transaction information, the transaction device 60 can execute financial transactions. This eliminates the need for the operator to re-enter transaction information that the customer has previously entered when creating the Web slip. Consequently, the workload of the operator is reduced. In addition, customer waiting times may be shortened, thus improving customer convenience.

[0045] Furthermore, the transaction device 60 refers to the slip identification information and reception number related to the transaction for which the cash deposit processing has been completed in the cash processing device 50, which are stored in the control server 40, to identify the completion of the deposit for the transaction related to the Web slip. For the transaction for which the completion of the deposit has been identified, the transaction device 60 conducts a financial transaction using the deposited cash as the source of funds. As a result, even if the transaction information related to the transaction for which the cash deposit processing has been completed in the cash processing device 50 and the transaction information held in the accounting server 70 or branch server 80 are not synchronized immediately on the system, the transaction device 60 can identify the transaction for which the cash deposit has been completed.

[0046] (70 accounting servers, 80 branch servers) The accounting server 70 processes the accounting system for transactions. For example, if a deposit transaction is requested, the accounting server 70 adds the deposit amount to the customer's account balance, and if a withdrawal transaction is requested, it subtracts the withdrawal amount from the customer's account balance. Alternatively, the accounting server 70 adds the deposit amount to the account balance of the account designated as the recipient of the transfer. Alternatively, if a financial transaction to another bank's account is requested, the accounting server 70 sends a transaction message to the other bank's foreign exchange transaction server to perform the transaction. The accounting server 70 also manages customer personal information (name, ID, telephone number, address, account number, transaction history, place of employment, and family structure, etc.) and information for each branch (including the balance of the cash processing device 50). The branch server 80 has a database that stores data for the transaction device 60 to perform processing for financial transactions.

[0047] (network) Networks 5 through 9 are networks that comply with any communication standard established by the IEEE or similar organizations. Networks 6 through 9, in particular, may be composed of, for example, wide-area internet lines or dedicated lines owned by financial institutions. These lines may include at least one of the following: wired communication lines such as Ethernet cables, and wireless communication lines provided by Wi-Fi (registered trademark), etc.

[0048] The overview of the information processing system according to this embodiment has been described above with reference to Figure 1. Next, an example of the functional configuration of the customer terminal 20 according to this embodiment will be described with reference to Figure 2.

[0049] <2. Example of Functional Configuration> <2-1. Customer Terminal 20> Figure 2 is a block diagram illustrating an example of the functional configuration of the customer terminal 20 according to this embodiment. As shown in Figure 2, the customer terminal 20 includes a communication unit 210, a control unit 220, an operation input unit 230, a display unit 240, and a storage unit 250.

[0050] (Communications Section 210) The communication unit 210 can connect to the network 5 by wire or wireless connection and send and receive data with the management center server 10 via the network 5. For example, the communication unit 210 can receive a screen for creating web slips (an input screen for creating slips) from the management center server 10.

[0051] Furthermore, the communication unit 210 can connect to the printer 2 via wired or wireless connection and output print data to the printer 2.

[0052] (Control unit 220) The control unit 220 controls the overall operation of the customer terminal 20. For example, the control unit 220 displays the slip creation screen of the Web slip received from the management center server 10 on the display unit 240. The control unit 220 may also accept input of transaction information for the slip creation screen from the operation input unit 230. The slip creation screen displays input fields for predetermined necessary information according to the transaction content selected by the customer, such as the customer's (trader's) name, company name, contact information, transaction amount, and transaction account number, and this information may be entered.

[0053] Furthermore, each created slip is assigned slip identification information. This slip identification information can be uniquely assigned by, for example, the management center server 10 that provides the web slip system. The slip identification information may also consist of a unique random number (e.g., a 10-digit number) without any pattern.

[0054] The control unit 220 transmits the transaction information entered on the slip creation screen to the management center server 10 based on the customer's operation. The management center server 10 generates a print image of the web slip based on the transaction information received from the customer terminal 20. The management center server 10 also generates an information code (hereinafter, an example of generating a QR code) that indicates the received transaction information and the assigned slip identification information. The management center server 10 generates a print image of the web slip including the generated QR code. The management center server 10 transmits the generated print image of the web slip to the customer terminal 20.

[0055] The control unit 220 then prints a document (paper) containing the print image of the web document received from the management center server 10, in accordance with the customer's print instruction, using the printer 2. The printer 2 may be separate from the customer terminal 20, or it may be integrated with the customer terminal 20.

[0056] Furthermore, the generation of the print image of the web slip and the generation of the QR code by the management center server as described above may also be performed by the control unit 220 of the customer terminal 20.

[0057] Furthermore, the control unit 220 may, based on customer operations, control the system to store transaction information or a portion thereof entered on the slip creation screen in the storage unit 250. In addition, the control unit 220 may, based on customer operations, read and display transaction information stored in the storage unit 250 on the slip creation screen of the Web slip. This allows customers to create new Web slips using information from Web slips they have created in the past.

[0058] (Operation input unit 230 and display unit 240) The operation input unit 230 has the function of receiving operation input from the customer to the customer terminal 20. The operation input unit 230 can be implemented, for example, by a keyboard, mouse, or touchpad.

[0059] The display unit 240 has the function of displaying, for example, a slip creation screen, according to the control of the control unit 220. The display unit 240 can be implemented, for example, by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device.

[0060] The functions of the operation input unit 230 and the display unit 240 may be configured separately, or they may be configured as a single unit in the customer terminal 20.

[0061] (Storage unit 250) The memory unit 250 is a storage device capable of storing programs and data for operating the control unit 220. The memory unit 250 can also temporarily store various data required during the operation of the control unit 220. For example, the storage device may be a non-volatile storage device.

[0062] The functional configuration example of the customer terminal 20 according to this embodiment has been described above with reference to Figure 2. Next, the functional configuration example of the control server 40 according to this embodiment will be described with reference to Figure 3.

[0063] <2-2. Control Server 40> Figure 3 is a block diagram illustrating an example of the functional configuration of the control server 40 according to this embodiment. As shown in Figure 3, the control server 40 includes a communication unit 410, a control unit 420, and a storage unit 430.

[0064] (Communications Department 410) The communication unit 410 has the function of communicating with the cash processing unit 50 or other devices such as the transaction device 60, in accordance with the control of the control unit 420. For example, the communication unit 410 receives transaction information, slip identification information, and reception number from the cash processing unit 50, which are obtained when the reading unit 520 of the cash processing unit 50 reads the information code of the Web slip. The communication unit 410 also transmits the slip identification information and the reception number associated with the slip identification information, which are stored in the storage unit 430, to the transaction device 60.

[0065] (Control unit 420) The control unit 420 has the function of controlling the overall operation of the control server 40. The control unit 420 also has the function of controlling the cash processing device 50 to perform operations such as cash deposit or withdrawal processing. This control unit 420 also functions as a cash receipt and expenditure calculation unit 421, a history management unit 423, and a history reconciliation unit 425.

[0066] The cash receipt and disbursement calculation unit 421 has the function of calculating cash receipts and disbursements and the amount to be deposited (hereinafter referred to as the deposit amount) based on transaction information received from the cash processing device 50.

[0067] The cash receipt and disbursement calculation unit 421 calculates cash receipts and disbursements when, for example, a customer who has been assigned a certain reception number brings multiple web slips to the store and has the cash processing unit 50 read the information code of each of the multiple web slips.

[0068] When there are multiple web slips in this manner, each web slip may include multiple transactions of different types, such as withdrawal transactions requiring cash disbursement and deposit or transfer transactions requiring cash deposit. In such cases, the cash flow calculation unit 421 offsets the deposit and withdrawal amounts of all transactions related to the multiple web slips whose information codes have been read, and calculates the final amount required for deposit or withdrawal.

[0069] As a result, even when the cash processing device 50 reads the information codes of multiple web slips with the same reception number entered, it does not process cash deposits or withdrawals for each transaction related to each web slip, but can process all deposits and withdrawals at once. Therefore, when customers use the cash processing device 50 to deposit or withdraw cash, they do not have to go through the unnecessary trouble of depositing or withdrawing cash multiple times. Now, with reference to Figure 4, the calculation of cash inflows and outflows by the cash inflow and outflow calculation unit 421 will be explained in more detail.

[0070] Figure 4 is an explanatory diagram illustrating the calculation of cash inflows and outflows by the cash inflow and outflow calculation unit 421. Table T1 shown in Figure 4 is a table showing three examples of cash inflows and outflows calculated by the cash inflow and outflow calculation unit 421. As shown in Figure 4, Table T1 includes No., cash inflow / outflow, and case example.

[0071] The "No." column is a number used to indicate each transaction related to the multiple transaction information acquired by the cash processing unit 50. In the example shown in Figure 4, "No." includes 1 to 3. Numbers 1 to 3 in each row represent each of the three example transaction details.

[0072] The case example shows the details of multiple transaction information acquired by the cash processing device 50, and the final required cash deposit or withdrawal amount obtained by summing and offsetting the cash withdrawal and deposit amounts for each transaction. The cash flow statement shows the calculation result of whether or not cash deposits or withdrawals are necessary, based on calculations by the cash flow calculation unit 421.

[0073] First, let's explain the example in the first row, No. 1. It is understood that the example in No. 1 includes three transactions: a withdrawal transaction of 1,000 yen in cash, a deposit transaction of 2,000 yen in cash, and a transfer transaction of 3,000 yen. In this case, the cash balance calculation unit 421 offsets the cash withdrawal amount of 1,000 yen from the withdrawal transaction with the cash deposit amount of 5,000 yen from the deposit transaction and transfer transaction, and calculates that a cash deposit of 4,000 yen is required. In this case, the control unit 420 instructs the cash processing device 50 to process the deposit of 4,000 yen.

[0074] Next, let's explain example No. 2 in the second row. Case example No. 2 is understood to include three transactions: a withdrawal transaction of 6,000 yen in cash, a deposit transaction of 2,000 yen in cash, and a transfer transaction of 3,000 yen. In this case, the cash flow calculation unit 421 offsets the cash withdrawal amount of 6,000 yen from the withdrawal transaction with the cash deposit amount of 5,000 yen from the deposit transaction and transfer transaction, and calculates that a cash withdrawal of 1,000 yen is required. In this case, the control unit 420 instructs the cash processing device 50 to process the withdrawal of 1,000 yen.

[0075] Next, let's explain example No. 3 on the third line. Case example No. 3 is understood to include three transactions: a withdrawal transaction of 5,000 yen in cash, a deposit transaction of 2,000 yen in cash, and a transfer transaction of 3,000 yen. In this case, the cash balance calculation unit 421 offsets the 5,000 yen cash withdrawal amount from the withdrawal transaction with the 5,000 yen cash deposit amounts from the deposit and transfer transactions, and calculates that the balance is 0 yen, that is, no cash deposit or withdrawal processing is required. In this case, the control unit 420 does not cause the cash processing device 50 to perform either deposit or withdrawal processing. Furthermore, the control unit 420 may cause the cash processing device 50 to display a notification screen informing the customer that since the calculation result of the cash balance for all transactions is 0 yen, no cash deposit or withdrawal processing is required.

[0076] Returning to Figure 3, we continue the explanation of the example functional configuration of the control server 40. When the cash processing device 50 completes the deposit processing, the history management unit 423 obtains the slip identification information and reception number included in the transaction information of the completed deposit processing from the cash processing device 50. Furthermore, the history management unit 423 performs control to associate the above slip identification information and reception number and store them in the storage unit 430.

[0077] Figure 5 is an explanatory diagram illustrating an example of a cash transaction history table T2 stored in the storage unit 430 by the history management unit 423. As shown in Figure 5, the cash transaction history table T2 includes the reception number, deposit, withdrawal, voucher identification information, and status. In the cash transaction history table T2 shown in Figure 5, each row shows the information stored for a transaction related to one Web voucher.

[0078] The first column of the cash transaction history table T2, the reception number, indicates the reception number issued to the customer by the reception number issuing machine 30 and entered into the cash processing device 50. The fourth column of the cash transaction history table T2, the slip identification information, indicates the slip identification information for each transaction, which is obtained by the cash processing device 50 by reading the QR code.

[0079] The second column of the cash processing history table T2, "Deposit," contains information about the deposit amount for a transaction, which is stored when the transaction information obtained by the cash processing device 50 reading the QR code is a deposit transaction. For example, the transaction shown in the first row of the cash processing history table T2 is understood to be a deposit transaction with a deposit amount of 1,000 yen.

[0080] Furthermore, the third column of the cash processing history table T2, "Withdrawal," contains information about the withdrawal amount of a transaction, which is stored when the transaction information obtained by the cash processing device 50 reading the QR code is a withdrawal transaction. For example, the transaction shown in the second row of the cash processing history table T2 is understood to be a withdrawal transaction with a withdrawal amount of 2,000 yen.

[0081] The status indicates whether the transaction shown in each row is pending or processed. In the example shown in Figure 5, the status for all transactions is pending. In this case, it is understood that the transaction has not yet been processed by the transaction device 60.

[0082] Furthermore, in the example shown in Figure 5, the transactions in the first and second rows of the cash processing history table T2 both have a reception number of 1. However, the slip identification information for the first row is 11111111, and the slip identification information for the second row is 22222222, meaning the slip identification information for the first and second rows are different. This indicates that there are two Web slips brought in by a customer assigned reception number 1 and whose information codes were read by the cash processing device 50, and the transactions in the first and second rows are transaction information for transactions related to different Web slips. Moreover, it can be understood that the transaction related to one Web slip is a deposit transaction of 1,000 yen, and the transaction related to the other Web slip is a withdrawal transaction of 2,000 yen.

[0083] Returning to Figure 3, let's continue the explanation of the example functional configuration of the control server 40. The history reconciliation unit 425 has the function of updating the status information contained in the cash transaction history table stored in the storage unit 430. More specifically, when the communication unit 410 receives notification from the transaction device 60 that the accounting processing of any of the transactions stored in the cash transaction history table has been completed, the history reconciliation unit 425 updates the status of that transaction to processed. At this time, the history reconciliation unit 425 may identify the transaction whose accounting processing has been completed by obtaining the transaction slip identification information of that transaction along with the notification from the transaction device 60.

[0084] (Storage unit 430) The memory unit 430 is a storage device capable of storing programs and data for operating the control unit 420. The memory unit 430 can also temporarily store various data required during the operation of the control unit 420. For example, the storage device may be a non-volatile storage device.

[0085] Such a storage unit 430 stores, for example, in the above-mentioned cash processing history table, in association with the receipt number and the slip identification information related to the transaction for which the cash processing device 50 has completed the deposit processing.

[0086] The functional configuration example of the control server 40 according to this embodiment has been described above with reference to Figure 3. Next, the functional configuration example of the cash processing device 50 according to this embodiment will be described with reference to Figure 6.

[0087] <2-3. Cash Processing Device 50> Figure 6 is a block diagram showing an example of the functional configuration of the cash processing device 50 according to this embodiment. As shown in Figure 6, the cash processing device 50 includes an operation display unit 510, a reading unit 520, a communication unit 530, a cash processing unit 540, a storage unit 560, and a control unit 570.

[0088] The control unit 570 is composed of, for example, a CPU (Central Processing Unit) and controls the various functional units of the cash processing unit 50 to execute various transactions.

[0089] Each transaction can be realized by multiple processes executed by the cash processing unit 540. The control unit 570 sequentially outputs execution instructions for each of the multiple processes to the cash processing unit 540, and the cash processing unit 540 sequentially executes the multiple processes according to the execution instructions. The control unit 570 also controls the communication unit 530 to send information indicating the processing result of the transaction to the control server 40. Furthermore, if the reading unit 520 reads the reception number, the control unit 570 causes the communication unit 530 to send the reception number to the control server 40.

[0090] The operation display unit 510 includes functions as a display unit that shows operation guidance screens and screens that indicate processing status, and as an input unit for customers to input operations. The display unit function can be implemented, for example, by a CRT display device, a liquid crystal display device, or an OLED device. The input unit function can be implemented, for example, by a touch panel. Note that the functions of the display unit and the operation input unit may be configured separately.

[0091] The reading unit 520 has the function of optically reading encoded information such as a one-dimensional barcode or QR code. The reading unit 520 may be implemented by, for example, a camera or a barcode reader. Also, when reading the reception number from an IC card, the reading unit 520 may be implemented by a card reader.

[0092] The communication unit 530 is connected to the control server 40 via the network 6. The communication unit 530 receives transaction information related to cash transactions from the control server 40 and transmits the transaction processing results to the control server 40. The communication method used by the communication unit 530 may be a wired communication method or a wireless communication method. An example of a wired communication method is a communication method using an Ethernet cable compliant with the IEEE standard, and an example of a wireless communication method is a communication method using WiFi compliant with the IEEE standard. The communication method used by the communication unit 530, i.e., the communication interface, may differ depending on the cash processing device 50.

[0093] The cash processing unit 540 handles the deposit and withdrawal of cash, including banknotes and coins. In the deposit process, it performs counting operations to count the cash deposited by the customer, and storage operations to store the cash in the storage unit. In the withdrawal process, it performs operations to dispense cash from the storage unit, and transport operations to transport the dispensed cash to the cash dispenser.

[0094] The memory unit 560 is implemented using ROM (Read Only Memory) and RAM (Random Access Memory), and stores a control program for controlling the operation of the cash processing unit 50, input data for transactions in the cash processing unit 50, and a display screen, etc. For example, the memory unit 560 stores an API for executing transactions in the cash processing unit 50, and the control unit 570 provides this API to the control server 40. This API may vary depending on the cash processing unit 50.

[0095] The above describes an example of the functional configuration of the cash processing device 50 according to this embodiment. Next, with reference to Figure 7, an example of the functional configuration of the transaction device 60 according to this embodiment will be described.

[0096] <2-4. Trading device 60> Figure 7 is a block diagram showing an example of the functional configuration of the trading device 60 according to this embodiment. As shown in Figure 7, the trading device 60 according to this embodiment includes a communication unit 610, an operation display unit 620, a printer 630, a reading unit 640, a storage unit 650, and a control unit 660.

[0097] The communication unit 610 is connected to the control server 40 via network 7. The communication unit 610 is also connected to the accounting server 70 and the branch server 80 via network 8 and network 9, respectively. The communication method used by the communication unit 610 may be a wired communication method or a wireless communication method. A wired communication method may use an Ethernet cable compliant with IEEE standards, and a wireless communication method may use Wi-Fi compliant with IEEE standards.

[0098] Such a communication unit 610 obtains, for example, slip identification information and reception number information related to deposit and withdrawal transactions that have been processed by the cash processing device 50 from the control server 40.

[0099] The operation display unit 620 includes functions as a display unit that displays a screen or the like to notify the operator of information, and as an input unit for the operator to input operations. The display unit function can be implemented, for example, by a CRT display device, a liquid crystal display device, or an OLED device. The input unit function can be implemented, for example, by a touch panel. Note that the functions of the display unit and the operation input unit may be configured separately. In that case, the input unit may be a keyboard.

[0100] The printer 630 has the function of printing and outputting information onto a medium such as a passbook or slip, in accordance with the control of the control unit 660. The printer 630 may be integrated with the transaction device 60 or it may be a separate unit. For example, the printer 630 prints information such as the deposit amount or withdrawal amount for each transaction, which is generated as a result of processing by the transaction execution unit 665, which will be described later, onto the passbook.

[0101] The reading unit 640 has the function of optically reading encoded information such as a one-dimensional barcode or a QR code. The reading unit 640 may be implemented by, for example, a camera or a barcode reader. For example, the reading unit 640 reads the information code of a customer's web slip that has been directed to the counter, and obtains the slip identification information of the web slip and the transaction information indicated by the information code.

[0102] Furthermore, the reading unit 640 may be implemented by an OCR (Optical Character Recognition) scanner that optically reads printed or handwritten character information. For example, the reading unit 640 may read transaction information from a paper slip filled out by a customer at a branch office counter.

[0103] The memory unit 650 is implemented using ROM and RAM, etc. The memory unit 650 stores, for example, a control program for controlling the operation of the trading device 60, and information related to the layout of the display screen.

[0104] The control unit 660 is mainly composed of electronic circuits such as a CPU, and controls each functional part of the trading device 60 to support the operator's work. Such a control unit 660 has the functions of a specific unit 663 and a trading execution unit 665.

[0105] The identification unit 663 has the function of identifying the completion of the deposit for a deposit / withdrawal transaction related to a Web slip indicated by the document identification information obtained when the reading unit 640 reads the information code of the Web slip, by referring to the storage unit 430 of the control server 40. More specifically, the identification unit 663 queries the control server 40 to see if the document identification information obtained by the reading unit 640 is stored in the storage unit 430 of the control server 40. When the communication unit 610 receives the query result from the control server 40 that the document identification information is stored in the control server 40, the identification unit 663 identifies that the deposit for the deposit / withdrawal transaction related to the Web slip indicated by the document identification information has been completed.

[0106] As a result, even if the information on transactions in which cash deposit processing has been completed in the cash processing unit 50 is not synchronized with the transaction unit 60 in real time, the transaction unit 60 can identify transactions in which cash deposit processing has been completed in the cash processing unit 50. Therefore, even if it is difficult to synchronize transaction status in real time between a self-service cash processing unit such as the cash processing unit 50 and the transaction unit 60 which performs accounting processing, it is possible to prevent financial transactions from being executed for transactions in which cash deposit processing has not been completed, even though the source of funds has not been secured.

[0107] The transaction execution unit 665 has the function of executing financial transactions using the deposited cash as the source of funds for deposit and withdrawal transactions whose completion has been identified by the identification unit 663. In addition, in conjunction with the execution of financial transactions by the transaction execution unit 665, the ledger is updated in the accounting server 70 and the branch server 80. The functional configuration example of the transaction device 60 according to this embodiment has been described above with reference to Figure 7.

[0108] <3. Example of operation> Next, an example of the operation of the information processing system according to this embodiment will be described with reference to Figures 8, 9, and 14.

[0109] (Example of the process for creating a web-based invoice) Figure 8 is a first sequence diagram illustrating an example of the operation process of the information processing system according to this embodiment. The sequence diagram in Figure 8 shows the flow of operation of the customer terminal 20 and the management center server 10 when a customer creates a web slip using the customer terminal 20 before visiting a branch of a financial institution.

[0110] First, the customer operates the customer terminal 20 and accesses the Web Invoice System from any web browser (S101). The management center server 10 sends data from the Web Invoice System screen to the customer terminal 20 (S103). The display unit 240 of the customer terminal 20 displays the Web Invoice System screen (S105).

[0111] The customer operates the operation input unit 230 of the customer terminal 20 and enters transaction information on the Web slip system screen (S107). The communication unit 210 of the customer terminal 20 transmits the entered transaction information to the management center server 10 (S109). Based on the received transaction information, the management center server 10 generates an input result screen including the input results of the transaction information and sends it to the customer terminal 20 (S111). The display unit 240 of the customer terminal 20 displays the above input result screen and displays the input results of the transaction information (S113).

[0112] Next, the management center server 10 generates a print image of the web slip including a QR code based on the transaction information received from the customer terminal 20 (S115). The management center server 10 then sends the generated print image of the web slip to the customer terminal 20 (S117).

[0113] The control unit 220 of the customer terminal 20 prints the print image of the web slip received from the management center server 10 from the printer 2 (S119). The control unit 220 also stores the transaction information entered by the customer in the storage unit 250 and saves it (S121). Subsequently, the processes from S107 to S121 are repeated according to the number of web slips that the customer wants to create.

[0114] The above describes an example of the operation process of the information processing system according to this embodiment up to the creation of a web slip, with reference to Figure 8. Next, with reference to Figures 9 and 14, an example of the operation process of the information processing system according to this embodiment after a customer visits the branch office will be described.

[0115] (Example of actions taken after a customer visits a branch office) Figure 9 is a second sequence diagram illustrating an example of the operation of the information processing system according to this embodiment. When a customer visits the branch office, the queue number issuing machine 30 issues a queue number based on the customer's own actions or the actions of a financial institution employee (S201). The customer then takes the receipt with the queue number printed on it and proceeds to the cash processing device 50.

[0116] Next, the operation display unit 510 of the cash processing device 50 accepts the customer's entry number (S203). At this time, the operation display unit 510 of the cash processing device 50 may, in accordance with the control of the control server 40, display a screen for accepting the entry number, for example, as shown in Figure 10.

[0117] Figure 10 is an explanatory diagram showing an example of a screen displayed by the cash processing device 50 according to this embodiment. As shown in Figure 10, for example, screen D1 may include a display prompting the customer to enter a reception number, such as guidance text M1. The customer can enter the reception number by performing an input operation on the operation display unit 510 in accordance with the guidance text M1. Screen D1 may also display the number entered by the customer in the input display field B1.

[0118] Next, the reading unit 520 of the cash processing device 50 reads the QR code on the Web slip held over the reading unit 520 by the customer and obtains transaction information (S205). At this time, the operation display unit 510 of the cash processing device 50 may, in accordance with the control of the control server 40, display a screen guiding the customer to read the QR code, for example, as shown in Figure 11.

[0119] Figure 11 is an explanatory diagram showing another example of a screen displayed by the cash processing device 50 according to this embodiment. As shown in Figure 11, for example, screen D2 may include the display of guidance text M2 that instructs the customer to have the QR code read by the reader 520. Furthermore, screen D2 may include the display of a cash processing device image B2 to inform the customer of the location of the reader 520 of the cash processing device 50.

[0120] Furthermore, if the customer has brought in multiple web slips, the cash processing device 50 reads the QR code printed on each of the web slips and obtains multiple transaction information related to each of the web slips.

[0121] Furthermore, in S205, the operation display unit 510 of the cash processing device 50 may display a confirmation screen of the transaction information acquired by the reading unit 520 reading the QR code, in accordance with the control of the control server 40.

[0122] Next, the cash processing device 50 transmits the acquired transaction information and reception number to the control server 40 (S207). The cash balance calculation unit 421 of the control server 40 calculates the cash balance based on the transaction information received from the cash processing device 50 (S209).

[0123] If the cash receipt and disbursement calculation result by the cash receipt and disbursement calculation unit 421 indicates either that cash will be withdrawn by the cash processing unit 50 or that no cash will be deposited or withdrawn, the control server 40 generates a guidance screen to direct the customer to the counter (S211). The guidance screen may include, for example, a message indicating that no cash deposit or withdrawal is required by the cash processing unit 50. The control server 40 controls the cash processing unit 50 to display the generated guidance screen to the counter (S213).

[0124] Next, following the instructions displayed on the cash processing device 50, the customer moves to the counter with their web slip. At the counter, the operator operating the transaction device 60 receives the web slip brought in by the customer and has the reader unit 640 of the transaction device 60 read it. The reader unit 640 reads the QR code on the web slip and obtains the transaction information (S215). The transaction execution unit 665 of the transaction device 60 executes the account processing based on the obtained transaction information (S217). Next, the process proceeds to S247 in the sequence diagram shown in Figure 14.

[0125] Figure 14 is a third sequence diagram illustrating an example of the operation process of the information processing system according to this embodiment. When the account processing is completed in S217 of the sequence diagram shown in Figure 9, the transaction device 60 displays a procedure completion notification screen indicating that the transaction has been completed (S247), and terminates the series of processes.

[0126] Returning to Figure 9, we will continue the explanation of the example of operation when the cash receipt and expenditure calculation result in S209 indicates that there is a cash deposit. The control unit 420 of the control server 40 controls the operation display unit 510 of the cash processing device 50 to display the deposit amount and the cash deposit notification screen based on the cash receipt and expenditure calculation result by the cash receipt and expenditure calculation unit 421 (S219). At this time, the control unit 420 may sequentially display screens such as those shown in Figures 12 and 13 on the operation display unit 510.

[0127] Figure 12 is an explanatory diagram showing another example of a screen displayed by the cash processing device 50 according to this embodiment. As shown in Figure 12, screen D3 may include guidance text M3 prompting confirmation of the transaction information acquired by the cash processing device 50. Screen D3 may also include a deposit transaction display B3 and a transfer transaction display B4, which show the transaction details based on each of the acquired transaction information.

[0128] Furthermore, as shown in Figure 12, screen D3 may include an add button B5 and a confirmation button B6. If the add button B5 is pressed, the reading unit 520 may repeat the processes S205 to S207 to additionally read the QR code of the web slip and acquire transaction information. The operation display unit 510 may display the transaction details based on the additionally acquired transaction information below the deposit transaction display B3 and the transfer transaction display B4.

[0129] Furthermore, if the confirmation button B6 is pressed on screen D3, the control server 40 may transition the screen displayed on the cash processing device 50 to the screen showing the deposit amount as shown in Figure 13.

[0130] Figure 13 is an explanatory diagram showing another example of a screen displayed by the cash processing device 50 according to this embodiment. As shown in Figure 13, screen D4 includes a deposit transaction display B3, a transfer transaction display B4, a deposit amount display B7, an add button B5, and a confirmation button B6. Note that the deposit transaction display B3, transfer transaction display B4, add button B5, and confirmation button B6 are as described with reference to Figure 12, so a detailed explanation is omitted here.

[0131] On screen D4, the deposit amount display B7 is newly shown compared to screen D3. Customers can check the deposit amount display B7 to see how much cash they need to deposit.

[0132] When the confirmation button B6 is pressed on screen D4, the control server 40 controls the cash processing device 50 to execute the cash deposit process. The cash processing device 50 performs the cash deposit process (S221). Next, proceed to the sequence diagram in Figure 14.

[0133] When a cash deposit is processed in the cash processing device 50, the control server 40 calculates whether or not there is change (S223). If there is change, the control server 40 controls the cash processing device 50 to dispense the change (S225). The cash processing device 50 dispenses the change according to the control server 40's instructions (S227).

[0134] In the cash processing device 50, once the processing of the required deposit amount is completed, the history management unit 423 of the control server 40 performs control to associate the slip identification information and reception number included in the transaction information of the completed deposit transaction and store it in the storage unit 430 (S229).

[0135] Next, the control server 40 generates a guidance screen to direct the customer to the counter. At this time, the guidance screen may include, for example, a message indicating that the payment process has been completed (S231). The control server 40 displays the generated guidance screen on the cash processing device 50 (S233). Customers whose payment process has been completed move to the counter according to the instructions on the guidance screen. Alternatively, customers wait for their turn at the counter.

[0136] An operator at the counter who operates the transaction device 60 receives a web slip brought in by a customer and has the reader unit 640 of the transaction device 60 read it. The reader unit 640 reads the QR code on the web slip and obtains the transaction information (S235). The identification unit 663 of the transaction device 60 communicates with the control server 40 to check whether the slip identification information included in the above transaction information is stored in the storage unit 430 of the control server 40 (S237).

[0137] If the above-mentioned voucher identification information is stored in the storage unit 430, the identification unit 663 identifies the completion of the deposit for the deposit / withdrawal transaction related to the Web voucher (S239). At this time, the identification unit 663 may further identify whether the status of the account processing associated with the above-mentioned voucher identification information in the storage unit 430 is unprocessed or not.

[0138] The transaction execution unit 665 executes account processing for deposit and withdrawal transactions whose completion of deposit has been identified by the identification unit 663 (S241). At this time, the transaction execution unit 665 may perform account processing for deposit and withdrawal transactions whose completion of deposit has been identified by the identification unit 663, only if the status associated with the slip identification information related to the deposit and withdrawal transaction is unprocessed.

[0139] When the accounting processing of a deposit or withdrawal transaction is completed, the transaction device 60 notifies the control server 40. When the control server 40 receives the notification, the history reconciliation unit 425 updates the status associated with the slip identification information of the deposit or withdrawal transaction stored in the storage unit 430 to "processed". Furthermore, the control unit 420 of the control server 40 identifies the reception number associated with the slip identification information of the deposit or withdrawal transaction for which accounting processing has been completed in the storage unit 430 (S243).

[0140] The transaction device 60 instructs the control server 40 to determine whether there is any slip identification information associated with the same receipt number as the receipt number identified by the control unit 420 (S245). The control server 40 and the transaction device 60 repeat the process from S235 to S245 for all deposit and withdrawal transactions related to Web slips indicated by the slip identification information associated with the same receipt number identified by the control unit 420. As a result, the control server 40 performs accounting processing for all deposit and withdrawal transactions related to the slip identification information associated with the receipt number assigned to a particular customer.

[0141] Once the accounting processing for all of the above deposit and withdrawal transactions is complete, the transaction device 60 displays a completion notification screen indicating that the transactions have been completed (S247), and terminates the series of processes.

[0142] The above describes an example of the operation of the information processing system according to this embodiment after a customer visits a sales office, with reference to Figures 9 and 14.

[0143] <4. Hardware Configuration Example> An embodiment of the present invention has been described above. The processing performed by the transaction device 60, such as identifying transactions for which payment has been completed based on the voucher identification information and executing account transactions based on the transaction information obtained by the information code, is realized through the cooperation of software and the hardware of the transaction device 60. Below, an example of the hardware configuration of the transaction device 60 according to an embodiment of the present invention will be described.

[0144] The hardware configuration example of the trading device 60 described below is merely one example of a possible hardware configuration for the trading device 60. Therefore, the hardware configuration of the trading device 60 may be modified by removing unnecessary components from the hardware configuration of the trading device 60 described below, or by adding new components. Furthermore, the hardware configuration example described below is also applicable to the management center server 10, customer terminals 20, and control server 40.

[0145] Figure 15 shows an example of the hardware configuration of the trading device 60 according to this embodiment. The trading device 60 may include a CPU 1001, a ROM 1002, a RAM 1003, an internal bus 1004, an input / output interface 1010, a display device 1011, an input device 1012, an audio output unit 1013, a storage device 1014, a drive 1015, a network interface 1016, and an external interface 1017.

[0146] The CPU 1001 functions as both an arithmetic processing unit and a control unit, controlling the overall operation of the trading device 60 according to various programs. By working in cooperation with the ROM 1002, RAM 1003, and software described later, the CPU 1001 can, for example, realize the functions of the control unit 660.

[0147] ROM1002 stores the programs and calculation parameters used by CPU1001. RAM1003 temporarily stores the programs used in the execution of CPU1001, as well as parameters that change as appropriate during its execution.

[0148] The CPU 1001, ROM 1002, and RAM 1003 are interconnected by an internal bus 1004, and are further connected to the display device 1011, input device 1012, audio output unit 1013, storage device 1014, drive 1015, network interface 1016, and external interface 1017, which will be described later, via an input / output interface 1010.

[0149] The display device 1011 is, for example, a display device such as a CRT display, liquid crystal display, or OLED display, and converts video data into video and outputs it. The input device 1012 may consist of a mouse, keyboard, touch panel, buttons, microphone, sensor, switch, and control circuit. The audio output unit 1013 is an audio output device such as a speaker or headphones, and converts audio data into audio and outputs it.

[0150] The storage device 1014 is a data storage device configured as an example of the storage unit 650 according to this embodiment. The storage device 1014 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, and a deletion device for deleting data recorded on the storage medium. The storage device 1014 is composed of, for example, an HDD (Hard Disk Drive) or an SSD (Solid State Drive), or a memory having equivalent functionality. This storage device 1014 drives the storage and stores programs or various data executed by the CPU 1001.

[0151] Drive 1015 is a reader / writer for storage media and is either built into or attached to the trading device 60. Drive 1015 reads information stored on removable storage media such as magnetic disks, optical disks, magneto-optical disks, or semiconductor memory and outputs it to RAM 1003. Drive 1015 can also write information to removable storage media.

[0152] The network interface 1016 is a communication interface composed of devices such as those used to connect to a communication network, such as the Internet. The network interface 1016 may also be a wireless LAN (Local Area Network) compatible communication device or a wired LAN communication device.

[0153] External interface 1017 is a connection interface consisting of connection ports for connecting external devices, such as a USB (Universal Serial Bus) port, an IEEE 1394 port, a SCSI (Small Computer System Interface) port, an RS-232C port, or an optical audio terminal. External interface 1017 may also support short-range wireless communication such as Bluetooth or IrDA (Infrared Data Association), and may connect external devices via wireless communication.

[0154] <5. Supplement> Although preferred embodiments of the present invention have been described in detail above with reference to the attached drawings, the present invention is not limited to these examples. It is clear to any person with ordinary skill in the art to which the present invention belongs that various modifications or alterations can be conceived within the scope of the technical idea described in the claims, and these are also understood to fall within the technical scope of the present invention.

[0155] For example, the steps in the operation of the management center server 10, customer terminal 20, ticket dispenser 30, control server 40, cash processing device 50, and transaction device 60 according to this embodiment do not necessarily have to be processed chronologically in the order shown in the explanatory diagram. For example, each step in the operation of the management center server 10, customer terminal 20, ticket dispenser 30, control server 40, cash processing device 50, and transaction device 60 may be processed in an order different from the order shown in the explanatory diagram, or they may be processed in parallel.

[0156] Furthermore, one or more computer programs can be created to enable the information processing system according to this embodiment to function on the hardware such as the CPU, ROM, and RAM built into the management center server 10, customer terminal 20, control server 40, and trading device 60 described above. A storage medium readable by a computer on which such one or more computer programs are stored is also provided.

[0157] Furthermore, in this specification, "network" refers to a communication path that enables two or more information processing devices to communicate with each other. In other words, in this specification, the term "network" is not limited to a computer network in the narrow sense that presupposes the existence of higher-level devices such as routers.

[0158] Furthermore, the effects described herein are merely descriptive or illustrative and not limiting. In other words, the technology according to the present invention may produce other effects that will be apparent to those skilled in the art from the description herein, in addition to or instead of the effects described above. [Explanation of Symbols]

[0159] 10 Management Center Server 20 Customer terminals 210 Communications Department 220 Control Unit 230 Operation Input Section 240 Display section 250 Storage section 30 Ticket dispensing machine for queue numbers 40 Control Server 410 Communications Department 420 Control Unit 421 Cash Receipt and Expenditure Accounting Department 423 History Management Department 425 History Clearing Section 430 Storage section 50 Cash Processing Units 510 Operation display section 520 Reading section 530 Communications Department 540 Cash Processing Unit 542 Banknote Processing Unit 544 Coin Processing Unit 560 Storage section 570 Control Unit 60 Trading Devices 610 Communications Department 620 Operation display section 630 Printer 640 Reading section 650 Storage section 660 Control Unit 663 Specific part 665 Transaction Execution Department 70 Accounting Servers 80 Branch Servers

Claims

1. A cash processing system comprising a storage device for storing a history of customer deposit processing, a cash processing device for processing cash, and a transaction device configured to communicate with the storage device and the cash processing device, The aforementioned cash processing device is The system includes a cash processing unit that processes cash deposits based on transaction information obtained by a first reading unit that reads the information code on a slip. The aforementioned storage device is Once the cash processing unit completes the deposit process, it stores the slip identification information included in the transaction information. The aforementioned trading device is A second reading unit that reads the information code of the slip, Based on the slip identification information obtained by the second reading unit, an identification unit identifies the completion of the deposit for the deposit / withdrawal transaction related to the slip by referring to the storage device, For deposit and withdrawal transactions whose completion has been identified, the transaction execution unit will carry out the financial transaction using the deposited cash as the source of funds. An information processing system equipped with the following features.

2. The aforementioned information processing system is The system further includes a reception terminal that outputs the customer's reception number, The aforementioned cash processing device is Based on the input operation by the customer, the reception number is obtained, The aforementioned storage device is The receipt identification information, which has been processed by the cash processing device, is stored in association with the receipt number. The information processing system according to claim 1.

3. The information processing system further comprises a control unit for controlling the storage device, When the first reading unit reads the information codes of multiple slips corresponding to the same receipt number, the control unit calculates the required payment amount based on the multiple transaction information pertaining to those multiple slips. When the cash processing device completes the processing of the required deposit amount, the same receipt number and the multiple slip identification information are associated and stored in the storage unit. The information processing system according to claim 2.

4. The control unit, Based on the slip identification information relating to the deposit and withdrawal transactions for which financial transactions were performed by the transaction device, the reception number associated with the slip identification information is identified by referring to the storage device, The aforementioned trading device is If the storage device has other slip identification information associated with the reception number identified by the control unit, then a financial transaction will be performed for the deposit / withdrawal transaction related to the other slip identification information. The information processing system according to claim 3.

5. The transaction information indicated by the aforementioned information code includes information on at least one of the following: the deposit amount, the transfer amount, or the transfer fee. The information processing system according to claim 1.

6. The transaction information indicated by the aforementioned information code includes at least information regarding transfer fees. The information processing system according to claim 5.

7. The aforementioned document is an electronic document created by the customer using an electronic document creation function provided to the financial institution's customers via the internet. The information processing system according to claim 1.

8. A reader unit that reads the information code on the slip, An identification unit identifies the completion of a deposit for a deposit / withdrawal transaction related to a slip by referring to a storage device that holds slip identification information related to a deposit / withdrawal transaction for which the cash processing device has completed the deposit process, based on the slip identification information obtained by the reading unit, Regarding the aforementioned deposit and withdrawal transaction for which the completion of the deposit has been identified, the transaction execution unit will execute the financial transaction using the deposited cash as the source of funds, A trading device equipped with the following features.

9. Computers, A reader unit that reads the information code on the slip, An identification unit identifies the completion of a deposit for a deposit / withdrawal transaction related to a slip by referring to a storage device that holds slip identification information related to a deposit / withdrawal transaction for which the cash processing device has completed the deposit process, based on the slip identification information obtained by the reading unit, Regarding the aforementioned deposit and withdrawal transaction for which the completion of the deposit has been identified, the transaction execution unit will execute the financial transaction using the deposited cash as the source of funds, A program designed to function as such.

10. Reading the information code on the slip, Based on the slip identification information obtained by reading the aforementioned information code, the completion of the deposit for the deposit / withdrawal transaction related to the slip is identified by referring to the storage device that holds the slip identification information related to the deposit / withdrawal transaction for which the cash processing device has completed the deposit processing, Regarding the aforementioned deposit and withdrawal transactions for which the completion of the deposit has been identified, financial transactions will be conducted using the deposited cash as the source of funds. A computer-based information processing method, including [a specific example].

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