JP2002269367A - Saving management system and saving device used therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a device and a system capable of saving and paying easily a small amount of money. SOLUTION: When a user presses down a saving button 111 and inserts a card A into a reading groove of a card reader 112, a vending machine 1 transmits personal information in the card A to a user identification server 4. Only when the personal information in the card A exists in a table A, the user identification server 4 transmits a signal for showing rightness of the user to the vending machine 1 and a saving management server 6. The vending machine 1 connects a coin discharge route of a coin mechanism 214 and a bill validation 215 to a saving box 113. When the user inputs a coin into a coin input port 104 or inserts a bill to be saved into a bill insertion mouth 105, the vending machine 1 calculates the saving amount of money and transmits the result to the saving management server 6. The saving management server 6 renews, in a table B, the saving amount of money in the column of a telephone number corresponding to the personal information in the card A with a new saving amount of money determined by adding the saving amount of money from the vending machine 1.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a savings management system suitable for providing a vending machine capable of saving a small amount of money and a savings apparatus used therefor.

[0002]

2. Description of the Related Art Recently, a net bank using the Internet has appeared, and has attracted attention in the banking industry and the like. An Internet bank is connected to a user's personal computer, mobile phone, or the like via the Internet and provides various financial services.

[0003] In particular, since the Internet bank is (1) open all day, the user can use the Internet bank at a convenient time from home, office, outside, etc., and is not restricted in time. (2) Since there are no branches, you can set advantageous interest rates and cheaper commissions compared to existing banks, and (3) you can settle online shopping. It is expected to spread in the future. The Internet bank is disclosed in, for example, Japanese Patent Application Laid-Open No. H10-312437.

[0004]

[Problems to be solved by the invention] However, since the introduction of the contents is restricted to the homepage and the user has to wait for the user to apply for an account,
A problem arises that small payment systems that can be expected to be used at a high frequency are not easily spread. Also, existing banks have the problem that commissions for micropayment systems are higher than for net banks. In addition, a newly created bank must develop a mechanism for dealing with other banks, which raises the problem of increased development costs.

Accordingly, an object of the present invention is to solve the above-mentioned problems and to provide a savings management system for saving and settingtle a small amount of money and a savings apparatus used for the same.

[0006]

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems.

[0007] Claim 1 is a savings management system,
A money slot in which a user inserts money, and a calculation unit that calculates the amount of money to be inserted into the money slot, a money storage unit having a user identification unit that determines whether the user is legitimate or not. And a savings managing means for managing the input amount from the calculating section as a savings amount when the user identifying means determines that the user is valid. Claim 19
Is a savings device, comprising a money receiving means having a money slot for the user to insert money, and a calculating unit for calculating the amount of money to be inserted into the money slot, the user identification means When it is determined that the user is legitimate, the information on the amount of money to be inserted is supplied from the money storing means to the savings managing means as information on the amount of savings. According to Claims 1 and 19,
Since only the savings amount of the legitimate user is managed, there is an effect of realizing a safe savings management system.

[0008] Claim 2 is dependent on claim 1, wherein the money accommodating means is provided in a vending machine. Claim 20 is dependent on claim 19, wherein the savings device is a vending machine. According to the second and twentieth aspects, since the vending machine also has a function of saving a small amount of money, it has an operation and effect that can be quickly spread over a nationwide scale.

[0009] Claim 3 is dependent on claim 2, wherein the vending machine has a savings button for a user to save money, and the money storage means operates the savings button by the user. At this time, it has a dedicated savings box capable of storing money from the money insertion slot. Claim 21 is Claim 20
Dependent on, the user provided a savings button for saving, and, when the user operates the savings button, a dedicated savings box that can store money from the money slot, provided is there. According to Claims 3 and 21, the money for purchasing the commodity and the money for saving are stored separately.
The worker has the effect of being able to easily distinguish and collect both moneys.

[0010] Claims 4 and 22 are dependent on claim 2 or 3 and claim 20 or 21, respectively, and the user identification means is provided in a vending machine. According to Claims 4 and 22, since the money accommodating means and the user identifying means are integrated in the vending machine, an operational effect can be obtained in which the control sequence from discrimination of the user to management of the amount of savings can be simplified.

[0011] Claims 5 and 23 are respectively dependent on claims 4 and 22, wherein the user identification means has a storage unit in which personal information for certifying the user is stored in advance, and The personal information from the storage medium to be carried is compared with the personal information in the storage unit, and a signal indicating the validity is supplied to the money storing means. According to the fifth and twenty-third aspects, the comparison is made to determine whether or not the personal information in the storage medium exists in the registered personal information in the storage unit.

[0012] Claims 6 and 24 are respectively dependent on Claims 5 and 23, wherein the storage medium stores a plurality of personal information for certifying a user, and wherein the user identification means is a storage medium. Is compared with the personal information in the storage unit. According to Claims 6 and 24,
Since various storage media for storing a plurality of personal information can be used, it is possible to increase the number of users.

[0013] Claims 7 and 25 are dependent on claim 5 or 6, and claim 23 or 24, respectively, wherein the user identification means reads the personal information of the storage medium in a non-contact manner. According to the seventh and twenty-fifth aspects, since the user only has to hold the storage medium over the front of the vending machine, there is an effect of improving operability.

[0014] Claims 8 and 26 are dependent on any one of claims 1 to 3 and any one of claims 19 to 21, respectively, and the user identification means is provided on a network. According to the eighth and twenty-sixth aspects, it is possible to obtain the effect of easily changing the identification method and the identification accuracy of the user identification means as necessary.

Claims 9 and 27 are respectively dependent on claims 8 and 26, wherein the user identification means has a storage unit in which at least personal information for certifying the user of the portable terminal is stored in advance. In response to a request from the mobile terminal, the personal information from the mobile terminal is compared with the personal information in the storage unit, and a signal indicating the validity is supplied to the money storage means. According to the ninth and twenty-seventh aspects, a comparison is made as to whether or not the personal information of the portable terminal exists in the registered personal information in the storage unit.

Claims 10 and 28 are claims 9 and 27, respectively.
And the portable terminal stores a plurality of personal information for certifying a user, and the user identification unit compares the corresponding personal information from the portable terminal with the personal information in the storage unit. Is what you do. According to the tenth and twenty-eighth aspects, since various portable terminals storing a plurality of personal information can be used, an effect of increasing the number of users can be obtained.

Claims 11 and 29 are claims 1 to 1 respectively.
0, dependent on any one of claims 19 to 28, wherein the savings management means is provided on a network and based on a signal when the user identification means determines that the user is valid. The information on the amount of money saved from the money storage means is stored for each user. According to the eleventh and twenty-ninth aspects, the communication effect between the vending machine and the savings management means allows the user to easily save a small amount of money.

Claims 12 and 30 are claims 1 to 1 respectively.
And a bank for depositing money to be inserted into the money storing means is connected to the savings managing means so as to confirm the contents of the savings managing means. Things. Claim 13 is dependent on claim 12, and when the savings amount of the savings management unit does not match the deposit amount of the bank, the deposit amount of the bank is changed by the savings amount management unit until both amounts match. This is provided with a management means for deeming the amount of money to be saved. Claim 31 is dependent on claim 30, and when the savings amount of the savings management means and the deposit amount of the bank do not match, the deposit amount of the bank is determined by the deemed managing means until both the amounts match. This is regarded as a savings amount of the savings management means. According to the twelfth, thirteenth, thirteenth and thirty-first aspects, an operation and effect can be achieved in which an inconvenience of a time delay until an operator deposits money into the money storing means into a bank can be solved.

Claims 14 and 32 are claims 5 to 1 respectively.
3. The savings amount stored by the savings management means according to any one of claims 3 to 3, wherein
The storage medium is used for settlement based on at least one use of the Internet. Claims 15 and 33
Is any one of claims 5 to 14 and claims 23 to 3
And an associating means for associating personal information for certifying the user of the portable terminal with personal information for certifying the user of the storage medium, wherein the settlement source is provided by the associating means. By confirming the content, the savings amount of the savings management means based on the use of one of the portable terminal or the storage medium is used for settlement based on the use of the other of the portable terminal or the storage medium.
Claims 16 and 34 are respectively dependent on claims 15 and 33;
The user identification means includes the association means. Claims 14, 15, 16, 32, 33, 34
According to this method, the savings amount of the savings management means can be used for a plurality of payments by the user, so that an effect of increasing the number of users is achieved.

[0020] Claim 17 is dependent on any one of claims 2 to 16, wherein the vending machine is characterized in that the user identification means uses a user based on personal information for certifying a user of a storage medium or a portable terminal. Is determined, the control means for selling the product and outputting a signal for subtracting the sales amount of the product from the savings amount of the savings management means. Claim 35 is dependent on any one of claims 20 to 34, wherein when the user identification means determines that the user is legitimate from personal information for certifying the user of the storage medium or the portable terminal, the product is identified. It has control means for outputting a signal for selling and subtracting the sales amount of the product from the savings amount of the savings management means. According to the seventeenth and thirty-fifth aspects, the savings amount of the savings management means can be used for small settlement of merchandise purchase at the vending machine, so that an effect of increasing the number of users can be obtained.

Claims 18 and 36 are claims 1 to 1 respectively.
7. The savings amount stored by the savings managing means is transferred to a device, a medium, or the like that stores the savings amount in the form of data. According to the eighteenth and thirty-sixth aspects, a part or all of the savings amount of the savings management means can be used in the form of electronic money.

[0022]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The details of the present invention will be specifically described with reference to the drawings.

FIG. 1 is a diagram for explaining a savings management system according to the present invention.

In FIG. 1, a plurality of vending machines 1 (saving devices) are for selling products such as canned beverages, cup beverages, confectionery, cigarettes, etc., and are distributed to specific areas managed by manufacturers, sales offices and the like. Is established. The plurality of vending machines 1 have a function of saving a small amount of money in addition to selling goods. Further, a plurality of vending machines 1 are provided with a communication line 2,
It is connected to a plurality of servers described later via the Internet 3 and the like.

FIG. 2 is a front view showing the vending machine 1, and is assumed to sell, for example, canned beverages.

In FIG. 2, the front door 101 is opened and closed with the left end of the front surface of the vending machine 1 as a support shaft. When setting columns, refilling canned beverages, etc., the door is unlocked and opened, and normal sales are performed. Sometimes it is locked and closed. The panel 102 is a transparent resin plate, and is for confirming a plurality of types of canned beverage samples 103 displayed inside. That is, the user looks over a plurality of types of canned beverage samples 103 through the panel 102,
You can select the beverage you want to buy. The coin slot 104 (money slot) is where the user inserts coins, and the inserted coins are supplied to a coin mechanism inside the vending machine 1.
The bill insertion slot 105 (money insertion slot) is a portion where a user inserts a bill, and the inserted bill is supplied to a building bar inside the vending machine 1. The display unit 106 displays the inserted coin amount, the inserted bill amount, the validity of the user, and the like. The commodity selection button 107 has a built-in selling lamp and a sold-out lamp, and is provided on the panel 102 corresponding to each canned beverage sample 103. When the user inserts a coin or inserts a bill into which at least one canned beverage can be purchased, the sellable lamp corresponds to the canned beverage only when the canned beverage is stored in the column inside the vending machine 1. Things light up. When a predetermined column inside the vending machine 1 becomes empty, the sold-out lamp always lights up corresponding to the canned beverage. When the merchandise selection button 107 with the available lamp on is pressed, this canned beverage sample 1
The canned beverage corresponding to 03 is carried out to the product outlet 108. The return lever 109 is for returning inserted coins from the return port 110 or returning change from the inserted coins or inserted bills after subtracting the purchase price of canned beverages from the return port 110. The savings button 111 is pressed when the user saves money. Card reader 112
After the user presses the saving button 111, a card (storage medium) in which personal information for certifying the user is stored in advance is inserted into the reading groove. Note that the card reader 112 may be a non-contact type that can read personal information for certifying a user simply by holding the card over the card. The card may be any of a dedicated card, a bank card, a credit card, and other distribution cards. Further, one card may store a plurality of pieces of personal information for certifying a user in advance. That is, the vending machine 1 can support any kind of card by preparing a database (storage unit) in which one piece of personal information for certifying a user, which is unique to the card to be adopted, is stored in advance. The savings box 113 stores coins and bills for savings, and is different from the coin storing box of the coin mechanism and the bill storing box of Bilvari. That is, in the vending machine 1, the user
When the user confirms that the personal information from the card reader 112 is valid by pressing 1 and inserting the card into the reading groove of the card reader 112, the coin discharge mechanism of the coin mechanism and the bill validator and the savings box 113 are connected. hand,
Switching control for guiding the money passing through the coin mechanism and the bill burr to the savings box 113 as it is is performed. still,
It is assumed that the vending machine 1 has a built-in communication terminal for selectively connecting to a plurality of servers.

FIG. 3 is a functional block diagram for explaining the vending machine 1. As shown in FIG.

In FIG. 3, a main control unit 201 (control means) controls the vending machine 1 and controls
OM 202, CPU 203, RAM 204, timer 20
5 and so on. More specifically, the ROM 202 stores in advance program data for collectively controlling a plurality of slave control units, which will be described later.
A plurality of sub-control units are generally controlled in accordance with a result of decoding the program data read from the ROM 202, and a RAM 204 is used to write or read a calculation result by the CPU 203 and various data from the plurality of sub-control units. The timer 205 counts the current time and the like based on a one-second signal obtained by dividing the oscillation clock by the free-running oscillation or the free-running oscillation by a predetermined frequency. In terms of hardware, the ROM 202 is a mask ROM for burning and fixing data in a manufacturing process, an EPROM for repeatedly writing and reading data by erasing data with ultraviolet light, or an EEPROM for repeatedly writing and reading data by electrically erasing data.
(Including a flash ROM). The CPU 203 includes a program counter for designating an execution address of the ROM 202, an instruction decoder for decoding contents read from the ROM 202, an arithmetic and logic unit for performing a logical operation, an accumulator for temporarily storing operation data, and the like. RAM 204 is an SRA
M is a volatile memory such as M, and retains stored contents using a backup power supply.

Coin processing control unit 206, bill processing control unit 2
07, customer service control unit 208, sales control unit 209, input control unit 210, card processing control unit 211, savings control unit 21
2. The communication control unit 213 corresponds to a plurality of slave control units, and has the same RO as the main control unit 201 in hardware.
M, CPU and RAM are built in.

The coin mechanism 214 has a change-out sensor for detecting change-out, receives coins inserted from the coin insertion slot 104, and returns change from the return opening 110 as necessary. Coin processing control unit 206 (calculation unit)
Controls the coin mechanism 214 to determine the denomination and true / false of the inserted coin, calculate the number of coins, store surplus coins in a safe, pay out change, and the like. Building Bali 2
Reference numeral 15 is similar to the coin mechanism 214 and includes a bill-out sensor for detecting a bill-out, receives an inserted bill from the bill insertion slot 105, and inserts a bill into the bill insertion slot 105 as necessary.
Is to be returned. The banknote processing control unit 207 (calculation unit) controls the bill validator 215 to determine the denomination and true / false of the inserted banknote, calculate the number of denominations, pay out bills, and the like. Note that the coin processing control unit 206 and the bill processing control unit 207 execute money processing for selling canned drinks every time coin insertion and bill insertion are performed unless the saving button 111 is pressed.

The customer service unit 216 displays the display unit 106, a plurality of product selection buttons 107 provided corresponding to a plurality of types of canned beverage samples 103, a savings button 111, and selling, canceling, and running out of change. And a lamp. The customer service control unit 208 controls the customer service unit 216. That is,
The customer service control unit 208 turns on / off a lamp indicating that the product is on sale, sales stoppage, or changes in sales, or turns on / off a sellable lamp or a sold-out lamp for each drink sold according to a customer service signal regarding canned beverage sales from the main control unit 201. Or let it. Furthermore, the customer service control unit 208 is provided with a plurality of product selection buttons 10
7 is pressed or the savings button 11
The main control unit 201 transmits a detection signal at this time, for example, by detecting that 1 has been pressed.

The sales mechanism 217 carries out the canned beverage desired by the user to the product outlet 108. The sales control unit 209 controls the sales mechanism 217 to carry out the desired product of the user to the product outlet 108 according to the sales signal from the main control unit 201 in response to the detection signal from the customer service control unit 208.

The key input section 218 has operation keys and a display screen (LED, LCD, etc.), and is used for inputting information on price setting and column setting of canned beverages.
The input control unit 210 includes a main control unit 201 and a key input unit 21.
8 is provided.

The card processing control unit 211 is provided with the main control unit 20
1 and the card reader 112. For example, when the card processing control unit 211 receives the personal information for certifying the user from the card reader 112, the card processing control unit 211 transmits the personal information to the main control unit 201, and the main control unit 20
When receiving the personal information, the personal information 1 is transmitted to a server for determining whether the user is legitimate, which will be described later. Note that the card processing control unit 211 may determine whether the personal information from the card reader 112 to authenticate the user is valid or not, and may transmit the determination result at this time to the main control unit 201. Good.

The savings control section 212 allows the user to operate the savings button 11
When a signal indicating the legitimacy of the user is received from the main control unit 201 by pressing the key 1 and then inserting the card into the card reader 112, the coin discharge mechanism of the coin mechanism 214 and the bill validator 215 and the savings box 113 are connected. Things.

The communication control unit 213 transmits and receives information to and from a plurality of servers via the communication line 2, the Internet 3, and the like.

Returning to FIG. 1, the user identification server 4 (user identification means) is a web of the Internet 3 and determines whether the personal information read from the card by the card reader 112 is valid. The user identification server 4 is managed by, for example, a management company of the vending machine 1. In order to save money using the vending machine 1, the user must register information for certifying the user in the user identification server 4. More specifically, the user connects to the user identification server 4 using the mobile phone 5 (portable terminal), and inputs the name, address, and personal information of the card according to the guidance from the user identification server 4. The user identification server 4 is a mobile phone 5
You can check the phone number of, so based on this phone number,
A table A (storage unit) shown in FIG. Since the telephone number of the mobile phone 5 can identify the user, Table A is
It is possible to reliably determine the validity of the user. That is, when the user presses the savings button 111, inserts a card into the card reader 112, and the vending machine 1 transmits personal information from the communication control unit 213 to the user identification server 4, the user identification server 4 transmits a signal indicating that the user is valid to the communication control unit 213 only when confirming that the personal information is registered in the table A. The vending machine 1 couples the coin discharge path of the coin mechanism 214 and the bill burr 215 with the savings box 113 by receiving a signal indicating that the user is valid,
The money inserted from the coin insertion slot 104 and the bill insertion slot 105 is stored in the savings box 113.

The savings management server 6 (savings management means) is a web of the Internet 3 and manages the savings amount of the user. The savings management server 6 is managed by, for example, a management company of the vending machine 1. When the user identification server 4 creates the table A, the savings management server 6 receives the telephone number of the mobile phone 5 for each user from the user identification server 4 and associates the savings amount with the telephone number as a reference. The table B of FIG. 5 is created. User identification server 4
Sends a signal indicating that the user is valid to the vending machine 1
In addition to this, it is also transmitted to the savings management server 6. The savings management server 6 updates the savings amount for each user in the table B by receiving a signal indicating that the user is valid and information on the savings amount calculated by the coin mechanism 214 or the bill validator 215.

The mobile phone 5 has a built-in storage unit 7 (flash memory or the like). The storage unit 7 has an area M1 for storing a program for performing communication and an area for storing information on a plurality of destination telephone numbers. M2, an area M3 for storing the same personal information as the card, and an area M4 for storing all or a part of the savings amount of the table B in the form of electronic money.
More specifically, the user connects to the savings management server 6 using the mobile phone 5, transmits personal information in the area M <b> 3 of the storage unit 7 according to the guidance from the savings management server 6, and Request that the savings amount be downloaded to M4. The savings management server 6 refers to the table A of the user identification server 4 and, after confirming that the telephone number and the personal information of the user's mobile phone 5 correspond, reduces the savings amount requested by the user from the table B. To the mobile phone 5. Thus, the user can take the electronic money into the mobile phone 5 and easily pay for shopping or the like. The association server 8 (association means)
Is a web of the Internet 3 and a table C in FIG. 6 in which personal information of a plurality of cards owned by the user is associated with the telephone number of the mobile phone 5 owned by the user.
It has. This table C is referred to when a plurality of card handling companies settle the usage amount of the user. The association server 8 may be, for example, a homepage managed by a management company of the vending machine 1 or may be integrated with the user identification server 4. The plurality of cards owned by the user are three cards A (exclusive card for savings), card B (credit card), card C
(Bank card). First, the credit company 9 connects to the association server 8, refers to the table C, and confirms from the user that the registered telephone number of the mobile phone 5 and the personal information of the card B correspond to each other. The connection is switched to the savings management server 6. More specifically, the credit company 9 transmits a signal indicating that the telephone number of the mobile phone 5 and the personal information of the card B correspond to each other in accordance with the guidance from the savings management server 6, and the amount of the card B used by the user. Request that the amount be reduced. The savings management server 6 reduces the usage amount of the card B of the user from the table B and transmits the reduced amount to the bank account of the credit company 9. Similarly, the shopping company 10 connects to the association server 8, refers to the table C, and confirms that the registered telephone number of the mobile phone 5 and the personal information of the card C correspond to each other. Is switched to the savings management server 6. More specifically, the shopping company 10 transmits a signal indicating that the telephone number of the mobile phone 5 and the personal information of the card C correspond to each other according to the guidance from the savings management server 6, and transmits the signal at the user's shopping site 11. Request that the amount used be reduced. Savings management server 6
Reduces the amount of money used by the user at the shopping site 11 from the table B and transmits the same to the bank account of the shopping company 10. Further, the telephone company 12 connects to the savings management server 6, transmits the telephone number of the mobile phone 5 of the user according to the guidance from the savings management server 6, and reduces the usage amount of the mobile phone 5 of the user. Request that The savings management server 6 reduces the amount of use of the user's mobile phone 5 from the table B and the telephone company 12
To your bank account.

The worker of the savings management company 13
The money in 3 is collected and deposited in the bank 14. The worker of the management company that manages the vending machine 1 collects coins in the coin mechanism 214 and bills in the building bar 215 and deposits them in a bank. It is to be noted that a worker of one company may perform a collection and deposit operation of a worker of the other company.

The deemed management server 15 (deemed management means)
Of the savings amounts managed by the table C of the savings management server 6, the bank 14
The processing is performed by considering the undeposited amount of money not deposited with the company. That is, when the deposit amount of the bank 14 does not match the deposit amount of the deposit management server 6,
Until the amounts match, the deposit amount of the bank 14 is regarded as the deposit amount of the deposit management server 6. The deemed management server 15 is connected to the savings management server 6 via a dedicated line 16, and is managed internally by the bank 14. Bank 14
Has an account for each user and manages the money in the money box 113 in the same manner as the table C of the money management server 6.

FIG. 7 is a diagram for explaining a savings process in the savings management system of the present invention.

In FIG. 7, first, the user presses the saving button 111 on the front of the vending machine 1 and inserts the card A into the reading groove of the card reader 112. The customer service control unit 208 transmits a signal indicating that the savings button 111 has been pressed to the main control unit 201, and the card processing control unit 211 transmits personal information of the card A to the main control unit 201. At this time, the main control unit 201 determines that the user has an intention to save, and transmits the personal information of the card A to the communication control unit 213.
Is transmitted to the user identification server 4 through. The user identification server 4 determines whether the personal information of the card A exists in the table A, and outputs a signal indicating the validity of the user only when the personal information of the card A exists in the table A. (Communication control unit 213) and transmits to savings management server 6. The main control unit 201 transmits a signal indicating the validity of the user from the communication control unit 213 to the customer service control unit 208 and the savings control unit 212. The customer service control unit 208 displays characters indicating the legitimacy of the user (for example, “Okakusamano Tokurou @ Kakuninshimashita”) on the display unit 106, while the savings control unit 209 controls the coin discharge mechanism of the coin mechanism 214 and the bill bar 215 to save money. The box 113 is connected.
The user checks the characters displayed on the display unit 106 to insert coins to be deposited into the coin insertion slot 104,
The banknote to be saved is inserted into the banknote insertion slot 105. These coins and bills are stored in the coin mechanism 214 and the bill validator 2.
The money reaches the money box 113 through the fifteen currency discharge paths. At this time, the coin processing control unit 206 calculates the amount of the coin from the coin insertion slot 104 and transmits it to the main control unit 201.
Similarly, the bill processing control unit 207 calculates the amount of the bill from the bill insertion slot 105 and transmits the calculated amount to the main control unit 201.
The main control unit 201 transmits the total amount of coins and bills to the savings management server 6 through the communication control unit 213. Since the savings management server 6 has received the signal indicating the validity of the user, the savings amount in the column of the telephone number corresponding to the personal information of the card A in the table B is stored in the savings management server 213 from the communication control unit 213. Update to the new savings amount plus the amount. The savings management server 6 transmits the personal information of the card A and the updated savings amount to the receivables management server 15. The bank 14 updates the savings amount of the user's account corresponding to the personal information of the card A to the same savings amount as in the table B by checking the reception history of the deemed management server 15. Thus, the savings process using the vending machine 1 is completed. In the embodiment of the present invention, the personal information of the user is read using the card reader 112, but the present invention is not limited to this. That is, the personal information may be directly transmitted from the mobile phone 5 to the user identification server 4.

FIG. 8 is a diagram for explaining an electronic money acquisition process in the savings management system of the present invention.

In FIG. 8, first, the user picks up the mobile phone 5 and inputs a key for connecting to the savings management server 6. The mobile phone 5 and the savings management server 6 are in a state where they can transmit and receive both information according to the input of this key. The user inputs a key for transmitting the personal information of card A. The mobile phone 5 transmits the personal information of the card A stored in the area M3 of the storage unit 7 to the savings management server 6 according to the input of the key. The user inputs a key for requesting the savings amount to be downloaded. The mobile phone 5 requests the savings management server 6 to download all or a part of the savings amount according to the input of the key. The savings management server 6 transmits the personal information of the card A to the user identification server 4. The user identification server 4 determines whether or not the personal information of the card A exists in the table A, and outputs a signal indicating the validity of the user only when the personal information of the card A exists in the table A. Send to The savings management server 6 updates the savings amount in the column of the telephone number corresponding to the personal information of the card A in the table B to a new savings amount reduced by the amount requested by the user. After that, the savings management server 6 transmits the amount requested by the user to the mobile phone 5. The mobile phone 5 stores this amount in an area M4 of the storage unit 7 in the form of electronic money. Further, the savings management server 6 transmits the personal information of the card A and the updated savings amount to the receivables management server 15. Bank 1
4 updates the savings amount of the user's account corresponding to the personal information of the card A to the same savings amount as the table B by confirming the reception history of the deemed management server 15.
As described above, the process of taking in electronic money into the mobile phone 5 is completed.

FIG. 9 is a diagram for explaining the settlement processing of the card handling company in the savings management system of the present invention. The card handling company will be described as a credit company 9.

In FIG. 9, first, the credit company 9
Transmits the personal information of the card B to the association server 8. The association server 8 determines whether or not the personal information of the card B exists in the table C, and transmits a signal indicating the validity of the user to the credit company 9 only when the personal information of the card B exists in the table C. . Credit company 9
Transmits the telephone number of the mobile phone 5 and the personal information of the card A corresponding to the personal information of the card B to the savings management server 6, and the user's usage amount of the card B (for example, on a monthly basis)
Is requested to the savings management server 6. The savings management server 6 updates the savings amount in the column of the telephone number corresponding to the personal information of the card A in the table B to a new savings amount reduced by the usage amount of the card B of the user. The savings management server 6 transmits the personal information of the card A and the updated savings amount to the management server 15. The bank 14 confirms the reception history of the deemed management server 15,
The savings amount of the user's account corresponding to the personal information of the card A is updated to the same savings amount as in the table B. Further, the bank 14 transfers to the account of the credit company 9. Thus, the settlement process of the card handling company is completed.

FIG. 10 is a diagram for explaining the settlement processing of the telephone company in the savings management system of the present invention.

In FIG. 10, first, the telephone company 12
The user's telephone number is transmitted to the savings management server 6. The savings management server 6 determines whether or not the telephone number of the user exists in the table B, and stores the telephone number of the user in the table B.
Only when it exists, the savings amount in the user's telephone number column is updated to a new savings amount reduced by the user's mobile phone 5 usage amount (for example, on a monthly basis). The savings management server 6 transmits the telephone number of the user to the user identification server 4. The user identification server 4 transmits the personal information of the card A corresponding to the telephone number of the user to the savings management server 6. The savings management server 6 transmits the personal information of the card A and the updated savings amount to the management server 15. The bank 14 updates the savings amount of the user's account corresponding to the personal information of the card A to the same savings amount as in the table B by checking the reception history of the deemed management server 15. Further, the bank 14 transfers to the account of the telephone company 12. Thus, the settlement process of the telephone company is completed.

FIG. 11 is a diagram for explaining the process of selling canned beverages with the amount of savings in the savings management system of the present invention.

In FIG. 11, first, the user inserts the card A into the reading groove of the card reader 112 without pressing the deposit button 111 on the front of the vending machine 1. The card processing control unit 211 transmits the personal information of the card A to the main control unit 20.
Send to 1. At this time, the main control unit 201 determines that the user has the intention to purchase the canned beverage, and
Is transmitted to the user identification server 4 through the communication control unit 213. The user identification server 4 determines whether the personal information of the card A exists in the table A, and outputs a signal indicating the validity of the user only when the personal information of the card A exists in the table A. (Communication control unit 21
3) and send it to the savings management server 6. Main control unit 20
1 transmits a signal indicating the legitimacy of the user from the communication control unit 213 to the customer service control unit 208. The customer service control unit 208
The sellable lamp of the product selection button 107 is turned on. The user presses any one of the product selection buttons 107 by checking the association between the canned beverage sample 103 and the product selection button 107. The customer service control unit 208 transmits a signal indicating that the product selection button 107 is pressed to the main control unit 201. The sales control unit 209, based on a signal for selling canned beverages from the main control unit 201, this product selection button 10
The canned beverage corresponding to 7 is carried out to the product outlet 108. The main control unit 201 requests the savings management server 6 via the communication control unit 213 to reduce the purchase price of the user. Since the savings management server 6 has received the signal indicating the legitimacy of the user, the savings amount in the column of the telephone number corresponding to the personal information of the card A in the table B is reduced by the purchase amount of the user. Update to the new savings amount. The savings management server 6 transmits the personal information of the card A and the updated savings amount to the management server 15. The bank 14 updates the savings amount of the user's account corresponding to the personal information of the card A to the same savings amount as in the table B by checking the reception history of the deemed management server 15. As described above, the sales processing of the canned beverage at the savings amount is completed.

It is to be noted that the savings management server 6 corresponds to FIGS.
When performing the processing of (1), a low fee (for example, 1
(Yen).

Further, the card and the storage unit in the mobile phone 5 store a plurality of personal information for certifying the user for different uses, and the user identification server 4 stores the personal information from among the plurality of personal information. The legitimacy of the user may be determined by detecting the corresponding personal information. At this time, the user does not need to carry multiple cards,
It will not bother you.

[0054]

According to the present invention, the following advantages can be obtained.

[0055] The savings management system comprises: a money receiving means having a money insertion slot for a user to insert money, and a calculating unit for calculating the amount of money to be inserted into the money insertion slot; And a savings managing means for managing the input amount from the calculating unit as a savings amount when the user identifying unit determines that the user is valid. In addition, the savings device includes a money receiving unit having a money slot for a user to insert money, and a calculating unit for calculating an amount of money to be inserted into the money slot, and the user identification unit is a user. Is determined to be legitimate, the information on the amount of money input is supplied from the money storage means to the savings management means as information on the amount of money to be saved. Therefore, since only the savings amount of the legitimate user is managed, a safe savings management system can be realized.

Further, the money storing means is provided in a vending machine. The savings device is a vending machine. Therefore, since the vending machine also has a function of saving a small amount of money, it can be quickly spread over the whole country.

Further, the vending machine has a saving button for the user to save money, and the money storing means changes the money from the money slot when the user operates the saving button. It has a dedicated savings box that can be accommodated.
Therefore, the money for purchasing the goods and the money for saving are stored separately, so that the worker can easily collect both moneys separately.

Further, the user identification means is provided in a vending machine. Therefore, since the money accommodating means and the user identification means are integrated in the vending machine, the control sequence from the determination of the user to the management of the amount of money to be saved can be simplified.

Further, the user identification means has a storage unit in which personal information for certifying the user is stored in advance,
The personal information from the storage medium carried by the user is compared with the personal information in the storage unit, and a signal indicating the validity is supplied to the money storing means. Therefore, since a comparison is made as to whether or not the personal information in the storage medium exists in the registered personal information in the storage unit, a legitimate user can be reliably determined.

Further, the storage medium stores a plurality of personal information for certifying a user, and the user identification means compares the corresponding personal information from the storage medium with the personal information in the storage unit. For comparison. Therefore, since various storage media for storing a plurality of personal information can be used, the number of users can be increased.

Further, the user identification means reads the personal information of the storage medium in a non-contact manner. Therefore,
Since the user only has to hold the storage medium over the front of the vending machine, the operability can be improved.

Further, the user identification means is provided on a network. Therefore, the identification method and the identification accuracy of the user identification means can be easily changed as needed.

Further, the user identification means has a storage unit in which at least personal information for certifying the user of the portable terminal is stored in advance, and the portable terminal is responsive to a request from the portable terminal. Is compared with the personal information in the storage unit, and a signal indicating the validity is supplied to the money storing means. Therefore, since a comparison is made as to whether or not the personal information of the portable terminal exists in the registered personal information of the storage unit, a legitimate user can be reliably determined.

Further, the portable terminal stores a plurality of personal information for certifying a user, and the user identification means compares the corresponding personal information from the portable terminal with the personal information in the storage unit. For comparison. Therefore, since various mobile terminals storing a plurality of personal information can be used, the number of users can be increased.

Further, the savings management means is provided on a network, and based on a signal when the user identification means determines that the user is legitimate, information of the savings amount from the money storing means is provided to the user. It is stored separately. Therefore, by connecting the vending machine and the savings management means through communication, the user can easily save a small amount of money.

Further, the bank which deposits the money to be inserted into the money storing means is communicatively connected to the savings managing means so that the contents of the savings managing means can be confirmed. Further, when the savings amount of the savings management unit does not match the deposit amount of the bank, the management unit considers the deposit amount of the bank as the savings amount of the savings unit until the two amounts match. Is provided. Therefore, the inconvenience of a time delay until the worker deposits the money to be inserted into the money storing means into the bank can be solved.

Further, the deposit amount stored by the deposit management means is used for settlement based on at least one of the portable terminal, the storage medium, and the Internet. Further, there is provided associating means for associating personal information for certifying the user of the portable terminal with personal information for certifying the user of the storage medium, and the settlement source confirms the contents of the associating means. The savings amount of the savings management means based on the use of one of the portable terminal and the storage medium is used for settlement based on the use of the other of the portable terminal and the storage medium. Further, the user identification means includes the association means. Therefore, the savings amount of the savings management means can be used for a plurality of settlements by the user, so that the number of users can be increased.

Further, when the user identification means determines that the user is valid from the storage medium or personal information for certifying the user of the portable terminal, the vending machine sells the product and manages the savings. Control means for outputting a signal for subtracting the sales amount of the product from the savings amount of the means,
Have Therefore, the savings amount of the savings management means can be used for small settlement of product purchases at vending machines,
The number of users can be expanded.

Further, the savings amount stored by the savings managing means is transferred to a device, a medium, or the like which stores the savings amount in the form of data. Therefore, a part or all of the savings amount of the savings management means can be used in the form of electronic money, so that the number of users can be increased.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining a savings management system of the present invention.

FIG. 2 is a front view showing a vending machine as a savings device of the present invention.

FIG. 3 is a functional block diagram for explaining a vending machine as a savings device of the present invention.

FIG. 4 is a diagram for explaining a table used in the savings management system of the present invention.

FIG. 5 is a diagram for explaining another table used in the savings management system of the present invention.

FIG. 6 is a diagram for explaining another table used in the savings management system of the present invention.

FIG. 7 is a diagram for explaining a savings process in the savings management system of the present invention.

FIG. 8 is a diagram for explaining electronic money acquisition processing in the savings management system of the present invention.

FIG. 9 is a diagram for explaining a settlement process of a card handling company in the savings management system of the present invention.

FIG. 10 is a diagram for explaining settlement processing of a telephone company in the savings management system of the present invention.

FIG. 11 is a diagram for explaining a process of selling canned beverages at a savings amount in the savings management system of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Vending machine 2 Communication line 3 Internet 4 User identification server 5 Cellular phone 6 Savings management server 7 Storage unit 8 Association server 9 Credit company 10 Shopping company 11 Shopping site 12 Telephone company 13 Savings management company 14 Bank 15 Looking management server 104 coin insertion slot 105 bill insertion slot 111 saving button 112 card reader 113 savings box 201 main control unit 206 coin processing control unit 207 bill processing control unit 211 card processing control unit 212 savings control unit

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 3E040 AA01 AA03 AA08 BA18 BA20 CB01 DA02 FJ05 3E044 AA01 AA20 BA01 BA02 BA04 DE01 EB02

Claims (36)

[Claims] 1. A money slot into which a user inserts money,
A calculating unit that calculates the amount of money to be inserted into the money slot, a money storage unit, a user identification unit that determines whether the user is legitimate, and the user identification unit validates the user. And a savings management means for managing the input amount from the calculating unit as a savings amount when the determination is made. 2. The savings management system according to claim 1, wherein said money storing means is provided in a vending machine. 3. The vending machine has a savings button for a user to save money, and the money storing means, when the user operates the savings button, changes the money from the money insertion slot. 3. The savings management system according to claim 2, further comprising a dedicated savings box that can be accommodated. 4. The savings management system according to claim 2, wherein said user identification means is provided in a vending machine. 5. The user identification means has a storage unit in which personal information for certifying a user is stored in advance, and personal information from a storage medium carried by the user and personal information in the storage unit 5. The savings management system according to claim 4, wherein a signal indicating the presence or absence of validity is supplied to said money storing means. 6. The storage medium stores a plurality of pieces of personal information for certifying a user, and the user identification unit compares the corresponding personal information from the storage medium with the personal information in the storage unit. The savings management system according to claim 5, wherein the comparison is made. 7. The apparatus according to claim 5, wherein said user identification means reads personal information of said storage medium in a non-contact manner.
Or the savings management system according to 6. 8. The savings management system according to claim 1, wherein said user identification means is provided on a network. 9. The user identification means has a storage unit in which at least personal information for certifying a user of the mobile terminal is stored in advance, and in response to a request from the mobile terminal,
9. The savings management system according to claim 8, wherein personal information from the portable terminal is compared with personal information in the storage unit, and a signal indicating validity is supplied to the money storing unit. 10. The portable terminal stores a plurality of personal information for certifying a user, and the user identification unit includes:
10. The savings management system according to claim 9, wherein said personal information from said portable terminal is compared with the personal information in said storage unit. 11. The savings management unit is provided on a network, and based on a signal when the user identification unit determines that the user is legitimate, information on the amount of savings from the money storage unit based on a signal. The savings management system according to claim 1, wherein the savings management system is stored separately. 12. The bank according to claim 1, wherein a bank for depositing money to be inserted into the money storing means is communicatively connected to the savings managing means so that contents of the savings managing means can be confirmed. The savings management system according to any one of the above. 13. When the savings amount of the savings management means does not match the deposit amount of the bank, the deposit amount of the bank is regarded as the savings amount of the savings management means until both the amounts match. 13. The savings management system according to claim 12, further comprising a management unit. 14. The method according to claim 5, wherein the savings amount stored by the savings managing means is used for settlement based on use of at least one of the portable terminal, the storage medium, and the Internet. The savings management system described. 15. An associating means for associating personal information for certifying a user of a portable terminal with personal information for certifying a user of a storage medium, wherein the settlement source checks the contents of the associating means. The savings amount of the savings management means based on the use of one of the portable terminal and the storage medium is used for settlement based on the use of the other of the portable terminal and the storage medium. 15. The savings management system according to any one of 5 to 14. 16. The savings management system according to claim 15, wherein said user identification means includes said association means. 17. The vending machine, when the user identification means determines that the user is legitimate from the storage medium or personal information for certifying the user of the portable terminal, sells the product and manages the savings. 17. The savings management system according to claim 2, further comprising control means for outputting a signal for subtracting the sales amount of the product from the savings amount of the means. 18. The deposit according to claim 1, wherein the deposit amount stored by the deposit management means is transferred to a device, a medium, or the like that stores the deposit amount in the form of data. Management system. 19. A money accommodating unit having a money slot into which a user inserts money, and a calculating unit for calculating the amount of money to be inserted into the money slot, wherein the user identification unit identifies the user. A money saving apparatus characterized in that when it is determined that the money is stored, information on the amount of money to be inserted is supplied from the money storing means to the savings management means as information on the amount of money to be saved. 20. The savings apparatus according to claim 19, wherein the savings apparatus is a vending machine. 21. A saving button for a user to save money,
21. The savings apparatus according to claim 20, further comprising: a dedicated savings box capable of storing money from the money insertion slot when a user operates the savings button. 22. The vending machine according to claim 20, wherein the user identification means is provided in the vending machine.
The savings device as described. 23. The user identification means has a storage unit in which personal information for certifying the user is stored in advance, and the personal information from a storage medium carried by the user and the personal information in the storage unit 23. The savings apparatus according to claim 22, wherein a signal indicating the presence or absence of validity is supplied to the money storing means. 24. The storage medium stores a plurality of personal information for certifying a user, and the user identification means comprises:
24. The savings apparatus according to claim 23, wherein the corresponding personal information from the storage medium is compared with the personal information in the storage unit. 25. The savings apparatus according to claim 23, wherein said user identification means reads personal information of said storage medium in a non-contact manner. 26. The savings apparatus according to claim 19, wherein said user identification means is provided on a network. 27. The user identification means has a storage unit in which at least personal information for certifying a user of the mobile terminal is stored in advance, and the mobile terminal responds to a request from the mobile terminal. 27. The savings apparatus according to claim 26, wherein the personal information from the storage unit is compared with the personal information from the storage unit, and a signal indicating the validity is supplied to the money storing unit. 28. The portable terminal stores a plurality of personal information for certifying a user, and the user identification unit includes
28. The savings apparatus according to claim 27, wherein said personal information from said portable terminal is compared with personal information in said storage unit. 29. The savings management means is provided on a network, and based on a signal when the user identification means determines that the user is legitimate, information on a savings amount from the money storage means based on a signal. 29. The savings apparatus according to claim 19, wherein the savings apparatus is stored separately. 30. The bank according to claim 19, wherein a bank which deposits the money to be inserted into the money storing means is communicatively connected to the savings managing means so that the contents of the savings managing means can be confirmed. The savings device according to any one of the above. 31. When the deposit amount of the deposit management means does not match the deposit amount of the bank, the deposit amount of the bank is deemed to be the deposit amount of the deposit management means until the two amounts coincide. 31. The savings device according to claim 30, wherein the savings device is regarded as. 32. The savings method according to claim 23, wherein the savings amount stored by the savings managing means is used for settlement based on at least one use of the portable terminal, the storage medium, and the Internet. The savings device as described. 33. Personal information for certifying a user of a portable terminal and personal information for certifying a user of a storage medium are associated by associating means.
By confirming the contents of the associating means, the savings amount of the savings managing means based on the use of one of the portable terminal or the storage medium is used for settlement based on the use of the other of the portable terminal or the storage medium. 33. The savings device according to claim 23, wherein 34. The savings apparatus according to claim 33, wherein said user identification means includes said association means. 35. When the user identification means determines that the user is legitimate from the storage medium or personal information for certifying the user of the portable terminal, the user sells the product and obtains the product from the savings amount of the savings management means. The savings apparatus according to any one of claims 20 to 34, further comprising control means for outputting a signal for subtracting the sales amount of (i). 36. The deposit according to claim 19, wherein the deposit amount stored by the deposit management means is transferred to a device, a medium, or the like that stores the deposit amount in the form of data. apparatus.