Cash home-delivery system and cash home-delivery method

• US 20030229548A1
• Filed: 06/20/2003
• Published: 12/11/2003
• Est. Priority Date: 12/21/2000
• Status: Abandoned Application

• Current Assignee: Fujitsu Limited
• Original Assignee: Fujitsu Limited
• Inventors: Kakuta, Kazumasa
• Application Number:
  US10/465,547
• Publication Number:
  US 20030229548A1
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/343 Cards including a counter
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The present invention relates to a cash home-delivery system and a cash home-delivery method appropriate for cash home-delivery, including: an account manager that manages accounts; a cash home-delivery manager that receives a cash home-delivery request and orders a cash home-delivery if a condition of cash home-delivery is satisfied; a mobile settlement terminal that reads information recorded in a card associated with an account of a user and owned by the user, and accepts authentication information of the user input by an operation of the user, and then, sends a request for a settlement of the cash home-delivery to the account manager via a wireless communication line, and wherein, in response to the request for the settlement sent by the mobile settlement terminal, the account manager executes the settlement of the cash home-delivery by account transfer for transferring an amount of money required for the cash home-delivery.

Claims

1. A cash home-delivery system characterized by comprising:

an account manager that manages accounts;

a cash home-delivery manager that receives a request for a cash home-delivery and orders the cash home-delivery if a condition of cash home-delivery is satisfied; and

a mobile settlement terminal that reads information recorded in a card associated with an account of a user and owned by the user, and accepts authentication information of the user input by an operation of the user, and then, sends a request for a settlement of the cash home-delivery to the account manager via a wireless communication line,

wherein, in response to the request for the settlement sent from the mobile settlement terminal, the account manager executes the settlement of the cash home-delivery by account transfer for transferring an amount of money required for the cash home-delivery.

2. A cash home-delivery system according to claim 1, characterized in that the cash home-delivery manager inquires of the account manager about information on the account of the user who requested the cash home-delivery, and then determines whether or not the condition of cash home-delivery for the user is satisfied based on a reply received from the account manager.

3. A cash home-delivery system according to claim 1, characterized in that cash to be delivered to the user is owned by a courier that delivers the cash, and the account manager transfers, in response to the request for the settlement sent from the mobile settlement terminal, an amount of money required for the cash home-delivery from an account of the user receiving the cash to an account of the courier that delivered the cash.

4. A cash home-delivery system according to claim 1, characterized in that cash to be delivered to the user is deposited in a courier by a financial institution, and the account manager transfers, in response to the request for the settlement sent from the mobile settlement terminal, an amount of money required for the cash home-delivery from an account of the user receiving the cash to an account of the financial institution, as well as transfers a delivery charge required for the cash home-delivery from the account of the financial institution to an account of the courier.

5. A cash home-delivery method characterized by comprising:

a step in which a cash home-delivery manager that receives a cash home-delivery and orders the cash home-delivery if a condition of cash home-delivery is satisfied, receives the cash home-delivery to determine whether or not the condition of cash home-delivery is satisfied and sends an order for the cash home-delivery if the condition of cash home-delivery is satisfied;

a step in which, in response to the order of the cash home-delivery, cash for the cash home-delivery is delivered by carrying a mobile settlement terminal that reads information recorded in a card associated with an account of a user and owned by the user, accepts authentication information of the user input by an operation of the user, and sends a request for a settlement of the cash home-delivery to the account manager via a wireless communication line;

a step in which the mobile settlement terminal reads information recorded in a card of a user who received the cash home-delivery, accepts authentication information of the user according to an operation of the user, and sends a request for a settlement of the cash home-delivery to the account manager that manages accounts via the wireless communication line; and

a step in which, in response to the request for the settlement sent from the mobile settlement terminal, the account manager executes the settlement of the cash home-delivery by account transfer for transferring an amount of money required for the cash home-delivery.

6. A cash home-delivery method according to claim 5, characterized in that, for carrying out a determination as to whether or not the condition of cash home-delivery is satisfied, the cash home-delivery manager inquires of the account manager about information on the account of the user who requested the cash home-delivery, and then carries out the determination based on a reply received from the account manager.

7. A cash home-delivery method according to claim 5, characterized in that cash to be delivered to the user is owned by a courier that delivers the cash, and the account manager transfers, in response to the request for the settlement sent from the mobile settlement terminal, an amount of money required for the cash home-delivery from an account of the user receiving the cash to an account of the courier that delivered the cash.

8. A cash home-delivery method according to claim 5, characterized in that cash to be delivered to the user is deposited in a courier by a financial institution, and the account manager transfers, in response to the request for the settlement sent from the mobile settlement terminal, an amount of money required for the cash home-delivery from an account of the user receiving the cash to an account of the financial institution, as well as transfers a delivery charge required for the cash home-delivery from the account of the financial institution to an account of the courier.