PROBLEM TO BE SOLVED: To provide a system that enables a user to withdraw (cash out) a deposit from a bank account via an automatic settlement machine of a consignment shop commissioned by a bank and a smartphone of the user.;SOLUTION: A cash-out system includes an account transfer system that provides real-time account transfer services between bank accounts and gathering accounts, and a wallet server connected to a user's smartphone and a settlement machine. The wallet server identifies a user related to cash-out, a settlement machine, and a cash-out amount based on information received from the user's smartphone and the settlement machine, creates account transfer data to debit from user's bank account, sends it to a real-time account transfer system, and instructs the settlement machine to discharge cash equivalent to the cash-out amount. Thereafter, the dividend is deposited from the gathering account to an account of the shop having each settlement machine.;SELECTED DRAWING: Figure 1;COPYRIGHT: (C)2019,JPO&INPIT
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