WO2002071289A1

WO2002071289A1 - Cash home delivery method

Info

Publication number: WO2002071289A1
Application number: PCT/JP2001/001789
Authority: WO
Inventors: Ichiro Yamamoto; Satoshi Kataoka
Original assignee: Fujitsu Limited
Priority date: 2001-03-07
Filing date: 2001-03-07
Publication date: 2002-09-12
Also published as: JPWO2002071289A1

Abstract

A method for home-delivering cash in which an application of request for cash home delivery by a user is received through a network such as the Internet, and the service office nearest to the place (home-delivery place) to which the cash is to be home-delivered is instructed to home-deliver cash through the network, thereby enabling same-day cash delivery.

Description

Description Cash delivery method [Technical field]

The present invention relates to a cash delivery method, and more particularly to a cash delivery method capable of delivering cash to a distant partner on the same day.

[Background technology]

At present, there is a method of sending cash to registered parties by mail registered cash. Registered cash usually takes several days to reach the recipient (destination) because the cash itself in the envelope actually moves from sender to destination.

In the case of so-called account transfer, it takes time for the remittee to withdraw cash from the financial institution.

However, you may want to deliver cash directly to the other party on the same day. For example, when a funeral or the like is suddenly held, the distant party cannot be mourned and the incense is sent to the funeral hall in time for the funeral.

[Disclosure of the Invention]

An object of the present invention is to provide a cash home delivery method capable of delivering cash to a destination on the same day.

According to the present invention, a cash delivery service is received from a user via a network such as the Internet, and cash delivery is instructed to a nearby business operator near a delivery destination (delivery destination), whereby cash delivery on the same day is provided. enable.

Preferably, the cash delivery method of the present invention for achieving the above object is a cash delivery method of delivering cash using a server connected to a network, wherein the server is provided from a terminal of the applicant. Receiving an application having predetermined application information specifying at least a cash home delivery address, a recipient, and a home delivery amount;

The server, from a plurality of business operators registered in advance, the home delivery Decide who is doing the home delivery business at the destination address,

The server transmits a home delivery instruction for delivering the cash of the home delivery amount to the recipient to the terminal of the business operator.

This allows the nearest business person near the recipient's address to deliver cash on the same day. [Brief description of drawings]

FIG. 1 is a diagram illustrating a cash home delivery method according to an embodiment of the present invention. FIG. 2 is a diagram showing an example of the data configuration of each database.

FIG. 3 is a processing flowchart of the server according to the embodiment of the present invention. Figure 4 shows an example of a cash home delivery service application site screen displayed on the applicant's terminal.

[Best Mode for Carrying Out the Invention]

Hereinafter, embodiments of the present invention will be described with reference to the drawings. However, the technical scope of the present invention is not limited by such an embodiment. According to the embodiment of the present invention, a cash delivery application from a user is received using a network such as In-Yuichi Net, and cash delivery is instructed to a nearest business operator near a delivery destination (delivery destination). This enables same-day cash delivery.

FIG. 1 is a diagram illustrating a cash home delivery method according to an embodiment of the present invention. The outline of the present invention will be described with reference to FIG. First, (1) Apply for cash delivery from the terminal 1 of the applicant who wants cash delivery to the server 2 of the service provider that provides the cash delivery service of the present embodiment via the communication network. (2) The service provider's server 2 accesses the host computer 5 for customer management of the bank or credit company, and performs a direct debit or credit card settlement. (3) The service provider's server 2 sends a cash delivery instruction to the terminal 3 of a predetermined business person near the cash delivery address. (4) The operator delivers cash to the delivery destination based on the cash delivery instruction.時に At the time of home delivery, the delivery person of the business carries the portable terminal 4 and accesses the server 2 to perform predetermined identity verification processing.サーバ The service provider's server 2 The receipt notification is sent to the applicant based on the identification processing by the mobile terminal 4.

In order to realize the above processing, the service provider has a server 2 connected to a network. The server 2 is a computer device connected to the network and has a transaction data rate 21, a business data rate 22, and an authentication data rate 23. The following is a brief description of an example of a data overnight.

FIG. 2 is a diagram illustrating an example of a data configuration of each database included in the server 2. The transaction database 21 shown in Fig. 2 (a) assigns a transaction serial number to each application accessed by the applicant, and manages the application information described below and the progress of the application. It is based on overnight. Therefore, the transaction database 21 stores, for each application, a transaction serial number, application information, settlement approval information, delivery completion information, and the like, which will be described later. The business operator 22 shown in FIG. 2 (b) stores the code number of each business operator who actually delivers cash and the address information of the business area. Furthermore, the authentication data base 23 shown in FIG. 2 (c) stores information on the recipient of the cash, as will be described later. Specifically, the identification number, name, The address, as well as the recipient's password required to verify the identity of the recipient at the time of delivery of the cash, are included.

FIG. 3 is a processing flowchart of the server according to the embodiment of the present invention. An embodiment of the present invention will be described in detail with reference to FIG. Server 2 provides a cash home delivery service application site on a network such as Internet. The applicant accesses the cash home delivery service application site provided by the server 2 through the network terminal 1 such as a personal computer or a mobile phone, and inputs predetermined application information (S10).

Figure 4 is an example of a screen of the cash home delivery service application site displayed on the applicant's terminal 1. In Fig. 4, the application information that needs to be entered by the applicant is: applicant information (name, address, telephone number, etc.), recipient information (name, delivery address, telephone number, etc.), desired delivery amount, payment method ( For example, direct debit or credit strength

—Do).

As shown in the figure, additional services such as delivery of cash delivered to customers in celebration bags (for banquets) or incense bags (for funeral ceremonies), and services such as flowers with cash. A service for delivering an attachment may be provided as an option.

When the predetermined input is completed, the payment amount including the predetermined fee is displayed. Fees are determined based on the amount of home delivery and the availability of additional services.

When the applicant confirms the settlement amount and performs a predetermined confirming operation on the terminal 1, the application information is transmitted to the server 2 (S11). The server 2 attaches a transaction serial number to the received application information, registers the application information on a transaction data base (S12), and manages the customer computer host computer 5 of the bank or credit card company. To confirm the identity of the applicant, balance check (in the case of direct debit), credit check (in the case of credit card payment), and settle when payment approval information is received from host computer 5 indicating that payment is possible. (S13). When the settlement approval information indicating that settlement is impossible is received, an error response is sent to the applicant terminal 1. The settlement approval information is also registered on a transaction basis.

If the payment is made, the server subsequently accesses the business data base. In the Business Data Base, there are registered multiple businesses that deliver cash in each area where this service is provided. The server 2 searches for the sales data for the sales person 22 and determines the sales agent who is delivering to the delivery address (S14).

For example, if the service provider that provides this service is the courier company, the business entity whose delivery address is the business area is, for example, its own branch or distribution center. Further, when the service provider is a financial institution such as a bank and has branches in various regions where the service is provided, the business operator may be a branch of the financial institution. Of course, the courier service may be affiliated with the courier service and the delivery service may be provided by the courier service branch. Note that service providers are not limited to home delivery companies and financial institutions, but may be distributors and ceremonial occasions. Also, the business operator is not limited to a branch of each service provider, but may be a store of another partner, for example, a convenience store.

If the service provider and the business operator are separate companies, separate settlement will be made between the service provider who settled the price with the applicant and the business operator who actually pays the cash. A terminal 3 that connects to the service provider's server 2 via a network is installed in each sales office. And the service provider's server 2 decides the sales person. Then, the home delivery instruction information such as e-mail is notified to the terminal 3 of the business operator (S15). The home delivery instruction information includes the applicant information (name, address, telephone number, etc.), recipient information (name, address, phone number, etc.), the desired amount of home delivery, and the contents of additional services included in the above application information. Have. More preferably, information on whether the recipient is registered in the authentication data base 23 is also included. Specifically, the server 2 searches the authentication data base 23 based on the name and address of the recipient included in the application information, and if the recipient is registered, the registered information of the recipient is registered. If not registered, the recipient unregistered information is included in the delivery instruction information.

When the terminal 3 of the salesperson receives the delivery instruction information, the deliveryman of the salesperson delivers the cash to the destination address. At that time, the delivery person carries the portable terminal 4 and confirms the identity of the recipient using the portable terminal 4. For details, if the home delivery instruction information includes the registered information of the recipient, the password (authentication information) corresponding to the recipient is already registered in the authentication database 23 of the service provider's server. Therefore, the identity verification is performed using the password input by the recipient to the mobile terminal 4. The delivery person connects the mobile terminal 4 to the server 2 via the communication network, and the mobile terminal 4 transmits identification information such as the name, address, or number of the recipient and a password to the server 2, and confirms the identity. Request is made (S16). The server 2 accesses the authentication server 23 and performs an identity confirmation process (S17), and returns the identity confirmation result information to the portable terminal with the approval information (S18). After confirming the identity based on the identity confirmation result information from the server 2 received by the mobile terminal 4, the delivery person hands the cash to the recipient.

As described above, according to the present embodiment, even when the applicant is remote from the recipient, the cash is delivered by the nearest business person close to the recipient's address. It will be possible to deliver cash even in the future.

The registration of the password is performed at the time of the first cash delivery by the delivery person. At the first delivery of cash to a recipient, the recipient's password is not registered in Server 2's authentication database 23. When delivering cash to the recipient, the delivery person confirms the identity of the recipient with an identification card such as a driving license, and then requests the recipient to input a predetermined password. The mobile terminal 4 transmits the identification information (name, address, etc.) of the recipient and the password to the server and requests a password registration (S16). Saichi The server 2 registers the identification information of the recipient and the corresponding password in the authentication server 23 (S17), and returns the registered password information to the portable terminal 4 (S18) c In this way, by registering a password for identity verification, the recipient does not need to show an ID card, etc. at the next cash home delivery to the same recipient, and the identity verification can be performed only by inputting the pass password. This will reduce the hassle of recipients who have to prepare ID cards.

Further, the server 2 recognizes that the cash has been delivered to the recipient by confirming the identity or registering the password based on the identity confirmation request or the password registration request from the mobile terminal 4, and the identity confirmation result is obtained. At the same time as sending back the information or the information registered with the passcode to the mobile terminal 4, send a notification to the applicant's terminal 1 by e-mail or the like that the cash has been delivered to the recipient (S 19) . In this way, after delivering the cash to the recipient, the delivery member does not send the fact that the delivery has been completed to the server 2, but the server 2 is automatically sent to the server 2 by a request for identification of the server 2 or a request for registration of the passcode. Acknowledgment of receipt is sent and a receipt notification is sent to the applicant's terminal 1. Therefore, the terminal operation of the deliveryman can be simplified.

If the cash-delivery company is a funeral company, the funeral company will accept incense from visitors at the funeral hall and will also accept incense delivered by the cash delivery service. The funeral company accepts visitors' names, addresses, amounts, etc. at a terminal with a simple input function such as pen input at the reception of the funeral hall. Become In this way, the funeral company manages both the incense information of this visitor and the incense information delivered by the service (delivery instruction information sent from the server), so that a complete list of incense providers can be maintained. Can be created. The funeral company creates this list of incense providers as a service menu for the festival and provides it to the mourners. The mourner can use the list of incense providers as a list to return the incense, or use it for tax-related procedures.

The protection scope of the present invention is not limited to the above embodiments, but extends to the inventions described in the claims and their equivalents. [Possibility of industrial use]

As described above, according to the present invention, an application for cash home delivery is received from a user using a network such as the Inuichi Net, and cash is provided to the nearest business person near the delivery destination (delivery destination). By instructing home delivery via the network, cash delivery on the same day becomes possible.

Claims

The scope of the claims

1. In the cash delivery method of delivering cash using a server connected to the network,

The server receives, from the applicant's terminal, an application having predetermined application information that specifies at least a cash home delivery address, a recipient, and a home delivery amount, and the server receives a plurality of business operators registered in advance. From among them, determine the business operator performing the home delivery business at the home delivery address,

The cash delivery method, wherein the server sends a delivery instruction for delivering the cash of the delivery amount to the recipient to a terminal of the business operator.

2. In Claim 1,

The server has an authentication database for registering authentication information for authenticating the recipient;

When the server receives a request for identification of a recipient including predetermined authentication information from a predetermined terminal, the server searches the authentication data base based on the authentication information and performs identity verification.

The cash delivery method, wherein the server returns information on a result of the personal identification to the predetermined terminal.

3. In Claim 2,

The cash delivery method, wherein the server sends a receipt notice to the terminal of the applicant when the identity can be confirmed.

4. In Claim 1,

The server, upon receiving a request for registration of the authentication information of the recipient including the predetermined authentication information from the predetermined terminal, registers the authentication information on the authentication data base, The method according to claim 1, wherein the server returns registered information to the predetermined terminal.

5. In Claim 4,

The cash delivery method, wherein the server, upon registering the authentication information in the authentication database, transmits a receipt notification to the terminal of the applicant.

6. In a computer device that executes cash home delivery processing,

A receiving unit that receives, from a terminal of the applicant, an application having predetermined application information specifying at least a cash home delivery address, a recipient, and a home delivery amount via a communication network;

A business listing for registering multiple businesses that provide cash delivery services,

A determination unit that determines a business operator performing a home delivery business at the cash home delivery address from the business people registered in the business day,

A computer for transmitting a home delivery instruction for home delivery of the cash of the home delivery amount to the recipient;

7 In Claim 6,

An authentication database for registering authentication information for authenticating the recipient; and the receiving unit receiving, from a predetermined terminal, a request for identification of the recipient including predetermined authentication information, the authentication unit performs authentication based on the authentication information. An identity verification processing unit that searches the database and performs identity verification;

The computer device, wherein the transmitting unit returns information on a result of the personal identification to the predetermined terminal.

8. In Claim 7,

The transmitting unit transmits a receipt notification to the terminal of the applicant when the identity can be confirmed. A computer device characterized by communicating.

9. In Claim 6,

A database for registering authentication information for authenticating the recipient;

A receiving unit that, when receiving a request for registration of the recipient's authentication information including predetermined authentication information from a predetermined terminal, registers the authentication information in the authentication data base;

The computer device, wherein the transmitting unit returns registered information to the predetermined terminal.

10. In Claim 4,

The transmission device, wherein the transmission unit transmits a receipt notification to the terminal of the applicant when the authentication information is registered in the authentication database.

1 1. In a convenience store program that executes cash home delivery processing by a computer device,

A receiving process for receiving, from the terminal of the applicant, an application having predetermined application information for designating at least a cash home delivery address, a recipient, and a home delivery amount via a communication network;

From a plurality of pre-registered business operators, a determination process of determining a business operator performing home delivery business at the home delivery address,

A computer program comprising: a terminal of the business operator; and a transmission process of transmitting a home delivery instruction for delivering the cash of the home delivery amount to the recipient.

1 2. In the cash delivery method of delivering cash,

Accepting from the applicant an application that has at least the prescribed application information that specifies the cash delivery address, recipient, and delivery amount,

Determine the business operator performing the home delivery business at the home delivery address, Instructing the business operator to deliver the cash of the delivery amount to the recipient,

A cash delivery method, comprising delivering cash to the receiver from the business operator.