JP2014174846A - Restitution service providing system and restitution service providing method - Google Patents

Abstract

To provide a return service providing system and a return service providing method capable of automatically executing a return service such as a fee or a point by a user operation on a user operation terminal such as an ATM. Let it be an issue.
A return management device, an account management system, and a terminal device for storing return amount information and a return key in association with each other and storing them as return information are communicably connected, and the terminal device controls a medium reading unit. To identify the account identification information from the medium, control the input unit to allow the user to input a return key, and associate the account identification information of the user with the return key and send it to the account management system. The management system queries the return management device for the received return key, obtains the return information corresponding to the return key, and calculates the value scale of the account corresponding to the account identification information based on the return amount information of the return information. Increase or decrease.
[Selection] Figure 2

Description

  The present invention relates to a return service providing system and a return service providing method.

  Conventionally, in ATM (Automated Teller Machine), depositing into a principal account by reading a cash card issued by a bank, or performing a personal identification operation such as entering a personal identification number, You can transfer money from your account to another account.

  Here, as a system using a cash card, in Patent Document 1, in order to prevent illegal payment and fraud, a card reading mechanism, a cash deposit / withdrawal mechanism for depositing / withdrawing cash, and a statement slip that issues a usage slip An automatic cash transaction apparatus main body provided with an issuing mechanism and an operation display unit for operating these mechanisms, and a POS terminal arranged in the vicinity of the automatic cash transaction apparatus main body, and an automatic cash transaction apparatus main body by a cash card issued from the POS terminal Discloses an automated cash transaction method for cash replacement.

JP 2002-279494 A

  However, conventionally, a user operation terminal such as an ATM has a problem that a refund service cannot be automatically performed by a user operation.

  In other words, in the past, companies such as mail order companies and airline companies, when refunding the price to individual customers due to various troubles, etc., distribute cash directly, check your bank account and remit to that account, The postal money order was sent to the address of, and the work burden was very large, and cost and time were spent. In some cases, it is necessary to verify the identity of the user, and in that case, handling of personal information is also required.

  The present invention has been made in view of the above, and a return service providing system capable of automatically executing a return service for fees, points, etc., by a user operation on a user operation terminal such as an ATM. The purpose is to provide a return service providing method.

  In order to solve the above-described problems and achieve the object, the return service providing system of the present invention includes a return management device and an account including at least a storage unit that stores return amount information and a return key in association with each other as return information. Account management system including at least a storage unit and a control unit for managing increase / decrease in value scale every time, and a terminal device including at least a medium reading unit, an input unit, and a control unit for reading a medium capable of specifying account identification information Is a return service providing system communicably connected, wherein the control unit of the terminal device controls the medium reading unit to specify account identification information from the medium and controls the input unit. Read input control means for controlling the user to input the return key, and the account identification information of the user obtained by the control of the read input control means. And a user information communication means for associating the return key with each other and transmitting it to the account management system, wherein the control unit of the account management system is transmitted in association with the terminal device. User information receiving means for receiving the account identification information and the return key, and inquiring the return management apparatus for the return key received by the user information receiving means, the return corresponding to the return key Return information acquisition means for acquiring information, and value scale return for increasing or decreasing the value scale of the account corresponding to the account identification information based on the return amount information of the return information acquired by the return information acquisition means Means.

  The return service providing system of the present invention is the return service providing system described above, wherein the terminal device further includes a display unit, and the control unit of the terminal device uses the user information communication unit to manage the account. Displaying the return amount information returned in response to the return key transmitted to the system on the display unit, controlling the input unit to input confirmation information for the return amount information, and the user information communication means A return amount confirmation means for controlling the confirmation information to be transmitted by the value scale return means, wherein the value scale return means transmits the return amount information of the return information acquired by the return information acquisition means to the terminal device. When the confirmation information for the refund amount information is received from the terminal device, a process for increasing or decreasing the value measure of the account is executed. To.

  Further, the return service providing system of the present invention is the return service providing system as described above, further comprising a return service using terminal having at least a control unit connected so as to be communicable, and the return management device further comprising a control unit And the control unit of the return service using terminal includes return information transmitting means for transmitting the return information in which the return amount information and the return key are associated with each other to the return management device, and the return management The control unit of the apparatus includes return information registration means for receiving the return information transmitted from the return service using terminal and registering the return information in the storage unit.

  Further, the return service providing system according to the present invention is the return service providing system described above, wherein the value scale return means is configured to store the account corresponding to the account identification information based on the return amount information of the return information. When the process of increasing or decreasing the value scale is executed, the return completion information is transmitted to the return management device in association with the return key of the return information, and the return information registration means is configured to send the return key from the account management system. When the return completion information transmitted in association with the return key is received, the return completion information is registered in the storage unit in association with the return key, and the control unit of the return service using terminal transmits the return key. Return status determination means for determining whether or not the return completion information corresponding to the return key is registered. Further comprising the.

  In addition, the return service providing system of the present invention is the return service providing system described above, wherein the value scale is an amount in current currency, a charge amount in electronic money, or a point service including a credit card service or a mileage service. It is a point.

  Further, the return service providing system of the present invention is the return service providing system described above, wherein the medium reading unit is a card reader of a card including a cash card, an electronic money card, an IC card ticket, or a credit card, or The reader is a medium reader equipped with an IC chip.

  Also, the return service providing system of the present invention is the return service providing system described above, wherein the medium reading unit is a card or medium reader / writer, and the value scale return means performs a process of increasing or decreasing the value scale. An execution request for execution is transmitted to the terminal device, and when the execution request is received from the account management system, the control unit of the terminal device controls the reader / writer to obtain the refund amount information. The value scale recorded on the medium is rewritten based on the value.

  Further, the return service providing system of the present invention is the return service providing system described above, wherein the medium is a living body including a fingerprint, a voiceprint, an iris, a face, or a vein, and the reading input control means The biometric information is acquired from the living body by controlling a medium reading unit, and the account identification information corresponding to the biological information is specified.

  Further, the return service providing method of the present invention includes a return management device including at least a storage unit that stores return amount information and a return key in association with each other, and a storage unit that manages increase / decrease in value scale for each account. Management system including at least a control unit and a return service providing system in which a terminal device including at least a medium reading unit, an input unit, and a control unit for reading a medium capable of specifying account identification information is communicably connected. A return service providing method to be executed, which is executed in the control unit of the terminal device, controls the medium reading unit to specify account identification information from the medium, and controls and uses the input unit A reading input control step for controlling a user to input the return key, and the reading input control executed in the control unit of the terminal device. Executed in the user information communication step of associating the account identification information of the user and the return key acquired in the step and transmitting them to the account management system, and the control unit of the account management system The user information receiving step of receiving the account identification information and the return key of the user transmitted in association with the terminal device, and the user executed in the control unit of the account management system This is executed in the return information acquisition step for referring to the return management device for the return key received in the information receiving step and acquiring the return information corresponding to the return key, and in the control unit of the account management system. Based on the return amount information of the return information acquired in the return information acquisition step, A value scale return step of increasing or decreasing the value scale of the account that, characterized in that it comprises a.

  The return service providing method according to the present invention is the return service providing method described above, wherein the terminal device further includes a display unit, and is executed in the control unit of the terminal device. The return amount information returned in response to the return key transmitted to the account management system is displayed on the display unit, and the input unit is controlled to input confirmation information for the return amount information. A return amount confirmation step for controlling the confirmation information to be transmitted by the person information communication means, wherein the value scale return step includes the return amount information of the return information acquired in the return information acquisition step. Processing to increase / decrease the value measure of the account when the confirmation information for the refund amount information is received from the terminal device. Characterized in that it run.

  Further, the return service providing method of the present invention is the return service providing method described above, wherein a return service using terminal having at least a control unit is communicably connected, and the return management device further includes a control unit. A return information transmission step for transmitting the return information in which the return amount information is associated with the return key to the return management device, which is executed in the control unit of the return service using terminal, and the return A return information registration step of receiving the return information transmitted from the return service using terminal and registering it in the storage unit, which is executed in the control unit of the management apparatus.

  Further, the return service providing method of the present invention is the return service providing method described above, wherein the value scale return step is based on the return amount information of the return information, and the account of the account corresponding to the account identification information. When the process for increasing or decreasing the value scale is executed, the return information is transmitted to the return management device in association with the return key of the return information, and the return information registration step is performed by the account management system from the return key. When the return completion information transmitted in association with the return key is received, the return completion information is registered in the storage unit in association with the return key, and is executed in the control unit of the return service using terminal. The return management apparatus is inquired of the return key to determine whether or not the return completion information corresponding to the return key is registered. Instead situation determining step, further comprising a.

  In addition, the return service providing method of the present invention is the return service providing method described above, wherein the value scale is an amount in current currency, a charge amount in electronic money, or a point service including a credit card service or a mileage service. It is a point.

  Further, the return service providing method of the present invention is the return service providing method described above, wherein the medium reading unit is a card reader of a card including a cash card, an electronic money card, an IC card ticket, or a credit card, or The reader is a medium reader equipped with an IC chip.

  The return service providing method of the present invention is the return service providing method described above, wherein the medium reading unit is a card or a medium reader / writer, and the value scale return step performs a process of increasing or decreasing the value scale. An execution request for execution is transmitted to the terminal device, and when the execution request is received from the account management system, executed by the control unit of the terminal device, the reader / writer is controlled to return the return The value scale recorded on the medium is rewritten based on amount information.

  Further, the return service providing method of the present invention is the return service providing method described above, wherein the medium is a living body including a fingerprint, a voiceprint, an iris, a face, or a vein, and the reading input control means includes The biometric information is acquired from the living body by controlling a medium reading unit, and the account identification information corresponding to the biological information is specified.

  According to the present invention, it is possible to automatically perform a refund service such as a fee or a point by a user operation using a user operation terminal such as an ATM, and the conventional refund which has spent cost and time. There is an effect that it is possible to greatly reduce the work load and the burden of identity verification procedures.

FIG. 1 is a block diagram illustrating an example of the configuration of the service use terminal 100 and the return management device 200 in the return service providing system according to the present embodiment. FIG. 2 is a block diagram showing an example of the configuration of the ATM terminal 400 and the financial institution system 600 in the return service providing system in the present embodiment. FIG. 3 is a flowchart showing an example of the return basic process of the return service providing system in the present embodiment. FIG. 4 is a flowchart showing an example of return information registration / inquiry processing of the return service providing system.

  Embodiments of a return service providing system and a return service providing method according to the present invention will be described below in detail with reference to the drawings. In addition, this invention is not limited by this embodiment.

  In particular, in the following embodiments, an example in which the present invention is applied to an ATM terminal capable of reading a cash card may be described. However, the present invention is not limited to this, and similarly, an electronic money card or IC card boarding is used. It can be applied to a charging machine that can read and write tickets and the like and a reader that can read mileage cards and credit cards.

[Refund service provision system configuration]
First, the configuration of the return service providing system of this embodiment will be described below with reference to FIGS. 1 and 2. Here, FIG. 1 is a block diagram showing an example of the configuration of the service use terminal 100 and the return management device 200 in the return service providing system in the present embodiment, and only the portion related to the present invention in the configuration is shown. It shows conceptually. FIG. 2 is a block diagram showing an example of the configuration of the ATM terminal 400 and the financial institution system 600 in the return service providing system according to the present embodiment, and only the portion related to the present invention in the configuration is conceptual. It shows.

  The return service providing system of the present embodiment generally includes a single or a plurality of service using terminals 100, a return management device 200, a single or a plurality of ATM terminals 400, and a financial institution system 600. The return service providing system is connected to be communicable with each other via the network 300 or the intranet 310.

  In the present embodiment, as shown in FIG. 1, the network 300 has a function of mutually connecting the service use terminal 100, the return management device 200, the financial institution system 600, and the external device 700, such as the Internet. It is. In the present embodiment, as shown in FIG. 2, an example in which the financial institution system 600 and the ATM terminal 400 are connected via a dedicated intranet 310 will be described, but the present invention is not limited to this, and the financial institution system 600 The ATM terminal 400 may be connected to the service using terminal 100, the return management apparatus 200, and the like through a common network 300.

  In FIG. 1, the service using terminal 100 generally includes a control unit 102, a communication control interface unit 104, an input / output interface unit 108, and a storage unit 106. Here, the control unit 102 is a CPU or the like that comprehensively controls the entire service using terminal 100. The communication control interface unit 104 is an interface connected to a communication device (not shown) such as a router connected to a communication line or the like, and the input / output control interface unit 108 is connected to the output unit 114 or the input unit 116. The interface to be connected. The storage unit 106 is a device that stores various databases and tables. Each unit of the service using terminal 100 is connected to be communicable via an arbitrary communication path. Further, the service using terminal 100 is communicably connected to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line.

  Various databases and tables stored in the storage unit 106 are storage means such as a fixed disk device. For example, the storage unit 106 stores various programs, tables, files, databases, web pages, and the like used for various processes.

  In FIG. 1, the communication control interface unit 104 performs communication control between the service using terminal 100 and the network 300 (or a communication device such as a router). That is, the communication control interface unit 104 has a function of communicating data with other terminals via a communication line.

  In FIG. 1, the input / output interface unit 108 controls the output unit 114 and the input unit 116. In addition to a monitor (including a home television), a speaker can be used as the output unit 114 (in the following, the output unit 114 may be described as a monitor). As the input unit 116, a keyboard, a mouse, a microphone, and the like can be used.

  In FIG. 1, the control unit 102 has an internal memory for storing a control program such as an OS (Operating System), a program that defines various processing procedures, and necessary data. And the control part 102 performs the information processing for performing various processes by these programs. The control unit 102 includes a return information generation unit 102a, a return information transmission unit 102b, an information registration unit 102c, and a status inquiry unit 102d in terms of functional concept.

  Among these, the return information generation unit 102a is return information generation means for generating return information. Here, the return information is information in which at least the return amount information is associated with the return key. The refund amount information is information indicating a value scale such as a refund amount and points. The return key is information that can specify the return of the value scale for each user, and is required to be a unique key at least for the return service user. Here, the return information may further include a company code of the return service user. Thereby, even if the return key is not a unique key among a plurality of return service users, it is possible to specify the return of the value scale for each user by the combination of the return key and the company code.

  The return information transmission unit 102 b is a return information transmission unit that transmits the return information to the return management apparatus 200. The return information transmitted by the return information transmitting unit 102b is registered in a return database 206a described later. Here, the return information transmission unit 102b may notify return information including at least a return key to a device (such as the external device 700) owned by the user. For example, the return information transmission unit 102b may transmit a return key to the user's e-mail address, or may transmit voice guidance information for notifying the return key or company code to the user's mobile phone. The return information may be transmitted to the facsimile machine, or a document such as a telegram may be sent to the user's address.

  The information registration unit 102 c is an information registration unit that registers user information and the like via the input unit 116. For example, the information registration unit 102c inputs basic information such as the name, date of birth, gender, current address, telephone number, e-mail address, and password of the user to be returned via the input unit 116, Basic information of the user may be registered in the return database 206a by transmitting the information to the return management apparatus 200. Similarly, the information registration unit 102c may register status information related to the return status of goods, documents, and the like in the return database 206a by transmitting the status information to the return management device 206.

  Further, the status reference unit 102d is a return status determination unit that queries the return management device 200 for a return key and determines whether or not return completion information corresponding to the return key is registered. For example, the status reference unit 102d receives the status information such as the presence / absence of registration of the return completion information transmitted from the return management device 200 by transmitting a query request including the return key to the return management device 200, and outputs the status information It is a status inquiry means that is output to 114. For example, the status information is information relating to a charge or point return status based on the presence or absence of return completion information registered in association with the return key.

  In FIG. 1, the return management apparatus 200 is connected to a service use terminal 100, a financial institution system 600, an external device 700, and the like via a network 300. The return management apparatus 200 generally includes a control unit 202, a communication control interface unit 204, and a storage unit 206. Here, the control unit 202 is a CPU or the like that comprehensively controls the entire return management apparatus 200. The communication control interface unit 204 is an interface connected to a communication device (not shown) such as a router connected to a communication line or the like. The storage unit 206 is a device that stores various databases and tables. Each unit of the return management apparatus 200 is connected to be communicable via an arbitrary communication path. Further, the return management device 200 is communicably connected to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line.

  Various databases and tables (such as the return database 206a) stored in the storage unit 206 are storage means such as a fixed disk device. For example, the storage unit 206 stores various programs, tables, files, databases, web pages, and the like used for various processes.

  Among the components of the storage unit 206, the return database 206a is a return information storage unit that stores return information. For example, the return database 206a stores return amount information in association with a return key (or a combination of a return key and a company code). Here, the return database 206a may store, in addition to the return amount information, a return deadline, user information (such as a user account number), return completion information, and the like.

  In FIG. 1, the control unit 202 includes an internal memory for storing a control program such as an OS, a program defining various processing procedures, and necessary data. And the control part 202 performs the information processing for performing various processes with these programs. The control unit 202 includes a return information registration unit 202a, a registration information reception unit 202b, and an inquiry reception unit 202c in terms of functional concept.

  Among these, the return information registration unit 202a is return information registration means for receiving return information transmitted from the service using terminal 100 and storing it in the return database 206a. Here, when the return information registration unit 202a receives the return completion information transmitted in association with the return key from the financial institution system 600, the return information registration unit 202a stores the return information corresponding to the return key stored in the return database 206a. The return completion information may be registered.

  Also, the registration information receiving unit 202b receives basic information and status information (such as the return status of goods, documents, etc.) of the user from the service use terminal 100, and returns a return key and user identification information to the return database 206a. Registration information receiving means for storing the information in association with each other. Here, the registration information receiving unit 202b searches the return database 206a when receiving an inquiry request including the basic information of the user from the terminal device (external device 700 or the like) of the user. The status information related to the return status of the user may be returned to the user terminal device (external device 700 or the like). As a result, the user returned the product etc. and returned it, but the situation could be confirmed in a situation where the return key has not been issued due to reasons such as not reaching the service user. it can.

  Further, the inquiry reception unit 202c receives the return key transmitted from the service use terminal 100, the financial institution system 600, etc., inquires the return database 206a for the return key, and returns the return information corresponding to the return key, etc. Inquiry accepting means for sending the return key to the sender. For example, based on the return key (or combination with the company code) transmitted from the financial institution system 600, the inquiry reception unit 202c reads the return amount corresponding to the return key from the return database 600, and returns the return amount information as financial information. It may be transmitted to the engine system 600. Further, the inquiry reception unit 202c searches the return database 600 for return completion information corresponding to the return key transmitted from the service using terminal 100, and transmits status information based on the presence / absence of registration of the return completion information to the service using terminal 100. Inquiry accepting means. More specifically, when the inquiry reception unit 202c receives an acquisition request (inquiry request) such as status information from the service use terminal 100, the external device 700, or the like, the search result of the return completion information corresponding to the return key Information (status information, etc.) related to this is acquired from the return database 206a and transmitted to the transmission source of the acquisition request.

  Next, an example of the configuration of the financial institution system 600 will be described with reference to FIG. In the following example, the financial institution system 600 is described as a stand-alone type system, but is not limited to this, and may be a system including a plurality of devices. In the following embodiment, the financial institution system 600 is described as a configuration different from that of the ATM terminal 400. However, the present invention is not limited to this, and the financial institution system 600 including the ATM terminal 400 may be configured as a unit. Good.

  2, the financial institution system 600 generally includes a control unit 602, a communication control interface unit 604, and a storage unit 606. Here, the control unit 602 is a CPU or the like that comprehensively controls the entire financial institution system 600. The communication control interface unit 604 is an interface connected to a communication device (not shown) such as a router connected to a communication line or the like. The storage unit 606 is a device that stores various databases and tables. Each part of these financial institution systems 600 is connected to be communicable via an arbitrary communication path. Further, the financial institution system 600 is communicably connected to the network 300 and the intranet 310 via a communication device such as a router and a wired or wireless communication line such as a dedicated line.

  Various databases and tables (account management database 606a) stored in the storage unit 606 are storage means such as a fixed disk device. For example, the storage unit 606 stores various programs, tables, files, databases, web pages, and the like used for various processes.

  Among these, the account management database 606a is a value scale storage unit that stores a value scale such as an amount and points for each account. In the present embodiment, the account management database 606a includes the account of the user (return destination), the account of the service user (return company), the account of the entity of the return management apparatus 200, and the financial institution system 600. It may be a database for managing deposits and withdrawals (remittance / withdrawal, deposits, etc.) with the account (financial institution account). In addition, it is desirable that the financial institution in which the user has an account has an account of the business entity of the financial institution system 600, but the other account is in another bank, and money is transferred from the other bank to the account of the business entity. Also good.

  In FIG. 2, the communication control interface unit 604 performs communication control between the financial institution system 600 and the network 300 (or a communication device such as a router). That is, the communication control interface unit 604 has a function of communicating data with other terminals via a communication line.

  In FIG. 2, the control unit 602 includes an internal memory for storing a control program such as an OS, a program defining various processing procedures, and necessary data. And the control part 602 performs the information processing for performing various processes with these programs. The control unit 602 includes a user information reception unit 602a, a return information acquisition unit 602b, and a value scale return unit 602c in terms of functional concept.

  Among these, the user information receiving unit 602 a is user information receiving means for receiving user information transmitted from the ATM terminal 400. Here, the user information may be account identification information of the user associated with the return key (or a combination of the return key and the company code). Note that the return key and the account identification information need not be transmitted and received at the same time as long as they can be associated with each other.

  The return information acquisition unit 602b refers to the return management device 200 for the return key received by the user information reception unit 602a, and acquires return information (return amount, etc.) corresponding to the return key. Means.

  The value scale return unit 602c is a value scale return unit that increases or decreases the value scale of the account corresponding to the account identification information based on the return amount information of the return information acquired by the return information acquisition unit 602c. As an example, the value scale is an amount in current currency, a charge amount in electronic money, or a point in a point service including a credit card service or a mileage service. Here, the value scale return unit 602c transfers the return amount information of the return information acquired by the return information acquisition unit 602b to the ATM terminal 400, and when the confirmation information for the return amount information is received from the ATM terminal 400, A process of increasing or decreasing the value scale of the account may be executed. The value scale return unit 602c indirectly controls the card reading unit 412 having a card writing function by transmitting an execution request for executing a process for increasing or decreasing the value scale to the ATM terminal 400, thereby causing the value scale to be changed. May be rewritten.

  In addition, when the value scale return unit 602c executes a process of increasing or decreasing the value scale of the account corresponding to the account identification information based on the return amount information of the return information, the value scale return unit 602c associates with the return key of the return information. Return completion information may be transmitted to the return management apparatus 200.

  Next, an example of the configuration of the ATM terminal 400 will be described with reference to FIG. In the following example, a single ATM terminal 400 will be described. However, the present invention is not limited to this, and the ATM terminal 400 may be a system including a plurality of devices.

  In this embodiment, as shown in FIG. 2, the intranet 310 has a function of interconnecting the ATM terminal 400 and the financial institution system 600, and is, for example, a dedicated line for a financial institution.

  2, the ATM terminal 400 generally includes a control unit 402, a communication control interface unit 404, and an input / output interface unit 408. Here, the control unit 402 is a CPU or the like that comprehensively controls the entire ATM terminal 400. The communication control interface unit 404 is an interface connected to a communication device (not shown) such as a router connected to a communication line or the like, and the input / output control interface unit 408 is a card reading unit 412 or an output unit 414. And an interface connected to the input unit 416. The storage unit 406 is a device that stores various databases and tables. Each unit of the service using terminal 100 is connected to be communicable via an arbitrary communication path. Further, the ATM terminal 400 is communicably connected to the intranet 310 via a communication device such as a router and a wired or wireless communication line such as a dedicated line.

  That is, in FIG. 2, the communication control interface unit 404 performs communication control between the service using terminal 100 and the network 300 (or a communication device such as a router). That is, the communication control interface unit 404 has a function of communicating data with other terminals via a communication line.

  In FIG. 2, the input / output interface unit 408 controls the card reading unit 412, the output unit 414, and the input unit 416. The card reading unit 412 is a medium reading unit that reads a recording medium storing account identification information. Note that the present invention is not limited to reading the account identification information from the recording medium storing the account identification information via the medium reading unit, and the account identification information may be specified from a medium that can specify the account identification information. . For example, the reading input control unit 402a, which will be described later, acquires biometric information from a living body as a medium (virtual card) such as a fingerprint, a voiceprint, an iris, a face, or a vein via a biometric authentication device. The account identification information corresponding to the biometric information may be specified by referring to a database that stores the account identification information in association with each other.

  In the present embodiment, the card reading unit 412 may read the account identification information by reading the magnetic recording information and IC chip recording information of the cash card issued by the financial institution. The card reading unit 412 is not limited to reading account identification information from a card-shaped medium, and may read account identification information from a medium (smart phone, mobile phone, wristwatch, or the like) on which an IC chip is mounted. As described above, the card reading unit 412 may be a reading device, an authentication device, or the like for a virtual card associated with a smartphone or biometric information.

  Note that the card reading unit 412 may have a card reader / writer function so that the balance recorded on an electronic money card, an IC card ticket, or the like can be rewritten. That is, the control unit 402 of the ATM terminal 400 controls the card reading unit 412 as a card reader / writer and returns it when an execution request for executing a process for increasing or decreasing the value scale is received from the account management system 600. The value scale recorded on the recording medium (IC card or the like) may be rewritten based on the amount information.

  As the output unit 414, in addition to a monitor (including a home television), a speaker can be used (hereinafter, the output unit 414 may be described as a monitor). As the input unit 416, a keyboard, a mouse, a microphone, or the like can be used. Here, the output unit 414 and the input unit 416 may be integrally configured as a touch panel.

  In FIG. 1, the control unit 402 includes an internal memory for storing a control program such as an OS (Operating System), a program that defines various processing procedures, and necessary data. And the control part 402 performs the information processing for performing various processes with these programs. The control unit 402 includes a reading input control unit 402a, a user information communication unit 402b, and a refund amount confirmation unit 402c in terms of functional concept.

  Among them, the reading input control unit 402a controls the card reading unit 412 to acquire account identification information from a recording medium (cash card or the like), and controls the input unit 416 to allow the user to input a return key. Read input control means for controlling.

  Further, the user information communication unit 402b is a user information communication unit that associates the account identification information of the user and the return key acquired under the control of the reading input control unit 402a and transmits them to the financial institution system 600. .

  Further, the refund amount confirmation unit 402c displays the return amount information returned in response to the return key transmitted to the financial institution system 600 by the user information communication unit 402b on the output unit 414, and controls the input unit 416. This is a refund amount confirmation unit that inputs confirmation information for the refund amount information and controls the user information communication unit 402b to transmit the confirmation information.

  The external device 700 is a terminal device or the like that is mutually connected to the service using terminal 100 or the like via the network 300. For example, the external device 700 may be a user's personal computer, mobile phone, facsimile, or the like.

  The external device 700 is not limited to the user terminal device, and may have a function of providing an external database that provides return information and a program for executing a return service providing method. In that case, the external device 700 may be configured as a WEB server, an ASP server, or the like. Further, the hardware configuration of the external device 700 may be configured by an information processing apparatus such as a commercially available workstation or personal computer, and an accessory device thereof. Each function of the external device 700 is realized by a CPU, a disk device, a memory device, an input device, an output device, a communication control device, and the like in the hardware configuration of the external device 700 and a program for controlling them.

  This is the end of the description of the configuration of the return service providing system.

[Return service provision system processing]
Next, an example of the processing of the return service providing system in the present embodiment configured as described above will be described in detail with reference to FIGS. 3 and 4 below.

[Basic refund processing]
First, the details of the return basic process among the processes of the return service providing system will be described with reference to FIG. FIG. 3 is a flowchart showing an example of the return basic process of the return service providing system in the present embodiment.

  In the following embodiment, as the user information acquisition process (step SA-1), the return key input control is performed simultaneously with the acquisition of the account identification information. However, the present invention is not limited to this. For example, after the return key input control is performed and the refund amount confirmation process (step SA-10) is completed, the account identification information acquisition process may be performed.

  As shown in FIG. 3, first, the reading input control unit 402a of the ATM terminal 400 acquires user information (step SA-1). More specifically, the reading input control unit 402a obtains account identification information (account number and the like) by reading the cash card by controlling the card reading unit 412 and controls the input unit 416 to the user. You may control to input a return key. The return key is, for example, a combination of a company code and a numerical sequence notified to the user from the service user, and may be a character string such as “CARPAA00123”, for example. As an example, the user can input a character string of a return key by operating an input unit 416 configured as a touch panel.

  Subsequently, the user information communication unit 402b of the ATM terminal 400 sends the user information obtained by the control of the reading input control unit 402a in which the account identification information of the user is associated with the return key to the financial institution system 600. Transmit (step SA-2).

  Then, the user information receiving unit 602a of the financial institution system 600 receives the user information transmitted from the ATM terminal 400 (Step SA-3).

  Then, the return information acquisition unit 602b of the financial institution system 600 transmits the return key received by the user information reception unit 602a to the return management apparatus 200 as an inquiry request (Step SA-4).

  Then, the inquiry reception unit 202c of the return management apparatus 200 receives the return key transmitted from the financial institution system 600 or the like, and inquires the return database 206a for return information corresponding to the return key (step SA-5).

  Then, the inquiry reception unit 202c of the return management apparatus 200 transmits return information in which the return key acquired from the return database 206a and the return amount information are associated with each other to the financial institution system 600 (step SA-6).

  Then, the return information acquisition unit 602b of the financial institution system 600 acquires return information (return amount information and the like) corresponding to the return key transmitted from the return management apparatus 200 (step SA-7).

  Then, the value scale return unit 602c of the financial institution system 600 transmits the return amount information of the return information acquired by the return information acquisition unit 602b to the ATM terminal 400 (step SA-8).

  Then, the refund amount confirmation unit 402c of the ATM terminal 400 receives the return amount information transmitted from the financial institution system 600, and displays the return amount and a confirmation button on the output unit 414 (step SA-9).

  Then, the refund amount confirmation unit 402c of the ATM terminal 400 controls the user to press the confirmation button via the input unit 416 such as a touch panel (Step SA-10).

  Then, the refund amount confirmation unit 402c of the ATM terminal 400 controls the confirmation information to be transmitted to the financial institution system 600 by the user information communication unit 402b when the confirmation button is pressed by the user (step SA-11). ).

  When the value scale return unit 602c of the financial institution system 600 receives the confirmation information transmitted from the ATM terminal 400 (step SA-12), the value scale return unit 602c executes the following process to increase or decrease the value scale of the account.

  That is, the value scale return unit 602c of the financial institution system 600 executes a deposit process for increasing the balance of the account corresponding to the user's account identification information based on the return amount information corresponding to the return key (step SA- 13). More specifically, the value scale return unit 602c performs a process of withdrawing (dispensing) the return amount (refund amount) from the business entity account of the return management device 200 and depositing the return amount into the user account. . This refund process may be a process in which the recipient (user) deposits cash and deposits into his / her account in the process on the ATM.

  As a premise of this deposit / withdrawal process, it is desirable that the refund source (amount required for refund) is transferred from the account of the service use entity to the designated account of the business entity of the refund management apparatus 200. The amount paid out from the account of the business entity of the return management apparatus 200 to the user's account may be withdrawn from the account of the service user later.

  When the deposit / withdrawal process is completed, the value scale return unit 602c of the financial institution system 600 transmits return completion information to the return management apparatus 200 in association with the return key (step SA-14).

  Then, the return information registration unit 202a of the return management apparatus 200 receives the return completion information transmitted from the financial institution system 600, and registers the return completion information in the return information stored in the return database 206a corresponding to the return key. (Step SA-15).

  This completes the return basic process. In addition, this invention is not limited to the above-mentioned process, For example, in the above-mentioned process, you may implement in the aspect which does not perform the confirmation process (step SA-8-SA-12) of refund amount. Alternatively, the return completion information registration process (steps SA-14 to SA-15) may not be performed.

[Return information registration / inquiry processing]
Next, details of return information registration / inquiry processing of the return service providing system will be described with reference to FIG. FIG. 4 is a flowchart showing an example of return information registration / inquiry processing of the return service providing system.

  As shown in FIG. 4, first, the return information generation unit 102a of the service using terminal 100 generates return information (step SB-1). For example, the return information generation unit 102a issues a unique return key (such as “00123”) in the service using entity to the company code (such as “CARPAA”) of the service using entity and associates it with the return amount information. Thus, it may be generated as return information.

  Then, the return information transmission unit 102b of the service use terminal 100 transmits the return information generated by the return information generation unit 102a to the return management device 200 (step SB-2).

  And the return information registration part 202a of the return management apparatus 200 receives the return information transmitted from the service utilization terminal 100, and stores it in the return database 206a (step SB-3).

  On the other hand, the return information transmitting unit 102b of the service using terminal 100 notifies the user of the return key by transmitting the return key to the user terminal device (external device 700) or the like (step SB-4). For example, the return information transmission unit 102b may transmit a return key to the user's e-mail address, or may transmit voice guidance information for notifying the return key or company code to the user's mobile phone. The return key may be transmitted to the facsimile machine, or the return key may be notified to the user's address by a document such as a telegram. Note that either step SB-2 or step SB-4 may be executed first.

  When the above process is completed, the above-described basic return process is executable. In other words, the user can start the return basic process described above by visiting the ATM terminal 400 and inputting the notified return key. Here, the service user can grasp the execution status of the above-described basic return processing as the return status by the following processing.

  That is, the status inquiry unit 102d of the service using terminal 100 sends an inquiry request including a return key to the return management device 200 to inquire about the return status (step SB-5).

  Then, the inquiry receiving unit 202c of the return management apparatus 200 receives the inquiry request including the return key transmitted from the service using terminal 100, and inquires the return database 206a for the return key (step SB-6).

  Then, the inquiry reception unit 202c of the return management apparatus 200 determines whether or not the return completion information corresponding to the return key is registered in the return database 600, and uses the status information regarding the presence / absence of registration of the return completion information as a service. By transmitting it to the terminal 100, it answers the inquiry about the return status (step SB-7).

  Then, the status inquiry unit 102d of the service use terminal 100 receives the status information regarding the presence / absence of registration of the return completion information transmitted from the return management device 200 and outputs the status information to the output unit 114, thereby confirming the return status. (Step SB-8). This completes the return information registration / inquiry process.

  This is the end of the description of the present embodiment.

[Other embodiments]
Although the embodiments of the present invention have been described so far, the present invention is not limited to the above-described embodiments, but can be applied to various different embodiments within the scope of the technical idea described in the claims. It may be implemented.

  For example, although the case where the financial institution system 600, the ATM terminal 400, the return management apparatus 200, and the service using terminal 100 perform processing in a stand-alone form has been described as an example, the financial institution system 600, the ATM terminal 400, and the return management apparatus 200 are described. The service using terminal 100 may be a system configured by a plurality of devices. On the contrary, all or part of the financial institution system 600, the ATM terminal 400, the return management apparatus 200, and the service use terminal 100 may be configured as one apparatus or a single system.

  In addition, among the processes described in the embodiment, all or part of the processes described as being automatically performed can be performed manually, or the processes described as being performed manually can be performed. All or a part can be automatically performed by a known method.

  In addition, unless otherwise specified, the processing procedures, control procedures, specific names, information including registration data for each processing, parameters such as search conditions, screen examples, and database configurations shown in the above documents and drawings Can be changed arbitrarily.

  In addition, regarding the service use terminal 100, the return management device 200, the ATM terminal 400, and the financial institution system 600, each component shown in the figure is functionally conceptual and must be physically configured as illustrated. do not do.

  For example, all of the processing functions provided in each device of the service use terminal 100, the return management device 200, the ATM terminal 400, and the financial institution system 600, particularly the processing functions performed by the control units 102, 202, 402, and 602 are all provided. Alternatively, an arbitrary part may be realized by a CPU (Central Processing Unit) and a program interpreted and executed by the CPU, or may be realized as hardware by wired logic. The program is recorded on a non-transitory computer-readable recording medium including a programmed instruction for causing a computer to execute the method according to the present invention, which will be described later, and a service utilization terminal as necessary. 100, the return management device 200, the ATM terminal 400, the financial institution system 600, and the like. That is, in the storage units 106, 206, and 606 such as a ROM or a HDD (Hard Disk Drive), a computer program for giving instructions to the CPU in cooperation with the OS (Operating System) and performing various processes is recorded. ing. This computer program is executed by being loaded into the RAM, and constitutes a control unit in cooperation with the CPU.

  The computer program may be stored in an application program server connected to the service use terminal 100, the return management device 200, the ATM terminal 400, or the financial institution system 600 via an arbitrary network. It is also possible to download all or part of it.

  In addition, the program according to the present invention may be stored in a computer-readable recording medium, and may be configured as a program product. Here, the “recording medium” is any memory card, USB memory, SD card, flexible disk, magneto-optical disk, ROM, EPROM, EEPROM, CD-ROM, MO, DVD, Blu-ray Disc, etc. Of “portable physical media”.

  The “program” is a data processing method described in an arbitrary language or description method, and may be in any format such as source code or binary code. The “program” is not necessarily limited to a single configuration, but is distributed in the form of a plurality of modules and libraries, or in cooperation with a separate program represented by an OS (Operating System). Including those that achieve the function. Note that a well-known configuration and procedure can be used for a specific configuration for reading a recording medium, a reading procedure, an installation procedure after reading, and the like in each device described in the embodiment.

  Various databases and the like (return database 206a, account management database 606a, etc.) stored in the storage units 106, 206, 606 are RAM, a memory device such as a ROM, a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc. And stores various programs, tables, databases, web page files, and the like used for various processes and website provision.

  Further, the service use terminal 100, the return management device 200, the ATM terminal 400, and the financial institution system 600 may be configured as an information processing device such as a known personal computer or workstation, and any information processing device may be included in the information processing device. Peripheral devices may be connected. Further, the service use terminal 100, the return management apparatus 200, the ATM terminal 400, and the financial institution system 600 are realized by installing software (including programs, data, and the like) that realizes the method of the present invention in the information processing apparatus. May be.

  Furthermore, the specific form of distribution / integration of the devices is not limited to that shown in the figure, and all or a part of them may be functional or physical in arbitrary units according to various additions or according to functional loads. Can be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and may be selectively implemented.

  As described above in detail, according to the present invention, a return service providing system capable of automatically executing a return service for charges, points, etc. by a user operation in a user operation terminal such as an ATM. , And a return service providing method, which is extremely useful in various fields such as the financial service industry.

DESCRIPTION OF SYMBOLS 100 Terminal device 102 Control part 102a Return information generation part 102b Return information transmission part 102c Information registration part 102d Status inquiry part 104 Communication control interface part 106 Storage part 108 Input / output control interface part 114 Output part 116 Input part 200 Return management apparatus 202 Control Unit 202a return information registration unit 202b registration information reception unit 202c inquiry reception unit 204 communication control interface unit 206 storage unit 206a return database 300 network 310 intranet 400 ATM terminal 402 control unit 402a reading input control unit 402b user information communication unit 402c Confirmation unit 404 Communication control interface unit 406 Storage unit 408 Input / output control interface unit 412 Card reading unit 414 Output unit 416 Input 600 financial institution system 602 control unit 602a the user information receiving unit 602b return information acquisition unit 602c value scale return unit 604 communication control interface unit 606 storage unit 606a account management database 700 an external device

Claims (16)

A return management device having at least a storage unit that stores return amount information and a return key in association with each other, and an account management system that at least includes a storage unit and a control unit for managing increase / decrease in value scale for each account; And a return service providing system in which a terminal device including at least a reading unit, an input unit, and a control unit for reading a medium capable of specifying account identification information is connected to be communicable,
The control unit of the terminal device is
Reading input control means for controlling the medium reading unit to specify account identification information from the medium, and controlling the input unit to allow a user to input the return key;
User information communication means for associating the account identification information of the user and the return key acquired by the control of the reading input control means, and transmitting to the account management system;
With
The control unit of the account management system includes:
User information receiving means for receiving the account identification information of the user and the return key, transmitted in association with the terminal device;
Return information acquisition means for referring to the return management device received by the user information receiving means and acquiring the return information corresponding to the return key;
Value scale return means for increasing or decreasing the value scale of the account corresponding to the account identification information based on the return amount information of the return information acquired by the return information acquisition means;
A return service providing system characterized by comprising: In the return service providing system according to claim 1,
The terminal device further includes a display unit,
The control unit of the terminal device is
Displaying the refund amount information returned in response to the return key transmitted to the account management system by the user information communication means on the display unit, and controlling the input unit to confirm the refund amount information Repayment amount confirmation means for controlling the user information communication means to transmit the confirmation information,
Further comprising
The value scale return means is:
When the return amount information of the return information acquired by the return information acquisition means is transmitted to the terminal device and the confirmation information for the return amount information is received from the terminal device, the value measure of the account is A return service providing system that executes a process of increasing or decreasing. In the return service providing system according to claim 1 or 2,
In addition, a return service using terminal having at least a control unit is connected to be communicable,
The return management device further includes a control unit,
The control unit of the return service using terminal is:
Return information transmitting means for transmitting the return information in which the return amount information is associated with the return key to the return management device,
With
The control unit of the return management device is:
Return information registration means for receiving the return information transmitted from the return service using terminal and registering it in the storage unit,
A return service providing system characterized by comprising: In the return service providing system according to claim 3,
The value scale return means is:
Based on the refund amount information of the return information, when executing a process to increase or decrease the value scale of the account corresponding to the account identification information, return completion information is associated with the return key of the return information Sent to the return management device,
The return information registration means
When receiving the return completion information transmitted in association with the return key from the account management system, register the return completion information in the storage unit in association with the return key,
The control unit of the return service using terminal is:
A return status determination means for querying the return management device for the return key and determining a return status as to whether or not the return completion information corresponding to the return key is registered;
A return service providing system characterized by further comprising: In the return service providing system according to any one of claims 1 to 4,
The value scale is
A refund service providing system characterized in that it is a point in a point service including an amount in current currency money, a charge amount in electronic money, or a credit card service or a mileage service. In the return service providing system according to any one of claims 1 to 5,
The medium reading unit is
A return service providing system which is a card reader of a card including a cash card, an electronic money card, an IC card ticket or a credit card, or a reader of a medium equipped with an IC chip. In the return service providing system according to any one of claims 1 to 6,
The medium reading unit is a card or medium reader / writer,
The value scale return means is:
Sending an execution request for executing a process of increasing or decreasing the value scale to the terminal device;
The control unit of the terminal device is
When the execution request is received from the account management system, the return writer is controlled to rewrite the value scale recorded on the medium based on the return amount information. In the return service providing system according to any one of claims 1 to 5,
The medium is
A living body including a fingerprint, voiceprint, iris, facial appearance, or vein,
The reading input control means includes
A return service providing system that controls the medium reading unit to acquire biological information from the living body and identify the account identification information corresponding to the biological information. A return management device having at least a storage unit that stores return amount information and a return key in association with each other, and an account management system that at least includes a storage unit and a control unit for managing increase / decrease in value scale for each account; And a return service providing method executed in a return service providing system in which a terminal device including at least a medium reading unit, an input unit, and a control unit that can read account identification information is communicatively connected,
Executed in the control unit of the terminal device;
A reading input control step for controlling the medium reading unit to specify account identification information from the medium, and for controlling the input unit to cause a user to input the return key;
Executed in the control unit of the terminal device;
A user information communication step of associating the account identification information of the user and the return key acquired in the reading input control step, and transmitting them to the account management system;
Executed in the control unit of the account management system;
User information receiving step for receiving the account identification information of the user and the return key, which are transmitted in association with the terminal device;
Executed in the control unit of the account management system;
A return information acquisition step of referring to the return management device for the return key received in the user information receiving step and acquiring the return information corresponding to the return key;
Executed in the control unit of the account management system;
A value scale return step for increasing or decreasing the value scale of the account corresponding to the account identification information based on the return amount information of the return information acquired in the return information acquisition step;
A return service providing method characterized by including: In the return service provision method of Claim 9,
The terminal device further includes a display unit,
Executed in the control unit of the terminal device;
The return amount information returned in response to the return key transmitted to the account management system in the user information communication step is displayed on the display unit, and the input unit is controlled to confirm the return amount information. A refund amount confirmation step for inputting information and controlling the confirmation information to be transmitted by the user information communication means;
Further including
The value scale return step includes
When the return amount information of the return information acquired in the return information acquisition step is transmitted to the terminal device and the confirmation information for the return amount information is received from the terminal device, the value measure of the account A method for providing a return service, characterized in that a process for increasing or decreasing the number is executed. In the return service providing method according to claim 9 or 10,
In addition, a return service using terminal having at least a control unit is connected to be communicable,
The return management device further includes a control unit,
Executed in the control unit of the return service using terminal,
A return information transmission step for transmitting the return information in which the return amount information is associated with the return key to the return management device;
Executed in the control unit of the return management device,
A return information registration step of receiving the return information and registering it in the storage unit transmitted from the return service using terminal;
The method for providing a return service, further comprising: In the return service provision method of Claim 11,
The value scale return step includes
Based on the refund amount information of the return information, when executing a process to increase or decrease the value scale of the account corresponding to the account identification information, return completion information is associated with the return key of the return information Sent to the return management device,
The return information registration step includes:
When receiving the return completion information transmitted in association with the return key from the account management system, register the return completion information in the storage unit in association with the return key,
Executed in the control unit of the return service using terminal,
A return status determination step for referring to the return management device for the return key and determining a return status as to whether or not the return completion information corresponding to the return key is registered;
The method for providing a return service, further comprising: In the return service provision method according to any one of claims 9 to 12,
The value scale is
A method for providing a return service, characterized in that it is a point in a point service including an amount in current currency, a charge amount in electronic money, or a credit card service or a mileage service. In the return service provision method according to any one of claims 9 to 13,
The medium reading unit is
A method for providing a return service, which is a card reader of a card including a cash card, an electronic money card, an IC card ticket, or a credit card, or a reader of a medium equipped with an IC chip. In the return service provision method according to any one of claims 9 to 14,
The medium reading unit is a card or medium reader / writer,
The value scale return step includes
Sending an execution request for executing a process of increasing or decreasing the value scale to the terminal device;
Executed in the control unit of the terminal device;
When the execution request is received from the account management system, the reader / writer is controlled to rewrite the value measure recorded on the medium based on the return amount information. In the return service provision method according to any one of claims 9 to 13,
The medium is
A living body including a fingerprint, voiceprint, iris, facial appearance, or vein,
The reading input control means includes
A return service providing method comprising: controlling the medium reading unit to acquire biological information from the living body and specifying the account identification information corresponding to the biological information.

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