JP2019191885A - Remittance system, account management server, information processing method, and program - Google Patents

Abstract

To provide a remittance system that allows a recipient not holding a recipient account to easily receive a remittance.SOLUTION: A remittance system includes an account management server comprising reception means which receives a remittance request including a remittance amount, a contact destination of a remitter and recipient information indicative of a recipient, approval request means which sends an approval request including the remittance amount and the recipient information to the contact destination included in the remittance request, management means which manages a correspondence between the remitter and an account the remitter holds, and remittance means that when receiving an approval notification as a reply to the approval request, sends a payment instruction for paying the remittance amount and executes reduction processing of reducing a money in the remittance amount from the account placed corresponding to the remitter by the management means, and a transaction apparatus comprising payment means that when receiving the payment instruction, pays a money in the remittance amount.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a remittance system, an account management server, an information processing method, and a program.

  A technique has been proposed in which a sender sends money in response to a request from a recipient. For example, the payee designates a payee account that is used to receive the remittance, and the remittance transfers money to the designated payee account. In addition, for example, a technique has been proposed in which remittance from a sender can be received by a recipient account without notifying the sender of the recipient account (see, for example, Patent Document 1-4 and Non-Patent Document 1). .

JP 2010-267172 A JP 2008-533625 A JP 2012-185734 A Japanese Patent Laid-Open No. 2006-181192

“Easy transfer (mermane)”, [online], Rakuten Bank, Ltd. [Search on March 1, 2018], Internet <URL: https://www.rakuten-bank.co.jp/transfer/mailmoney/ >

  In the conventional technique, since a sender sends money to a recipient account, it is difficult for a recipient who does not have a recipient account to receive money.

  One aspect of the disclosed technique aims to provide a technique by which a recipient who does not have a recipient account can easily receive a remittance.

  One aspect of the disclosed technology is exemplified by the following remittance system. The remittance system includes a receiving means for receiving a remittance request including a remittance amount, a sender's contact information, and recipient information indicating a recipient, and the remittance amount and the receipt for the contact included in the remittance request. When receiving an approval request as a response to the approval request, an approval request means for transmitting an approval request including personal information, a management means for managing correspondence between the sender and the account held by the sender, An account management comprising: a remittance unit that transmits a withdrawal instruction instructing a withdrawal of an amount, and executes a reduction process for reducing the money of the remittance amount from an account associated with the sender in the management unit A server and a transaction apparatus provided with a withdrawal means for withdrawing money of the remittance amount when receiving the withdrawal instruction.

In the disclosed technology, the transaction apparatus is an apparatus that can pay out cash from a deposit account of a financial institution, for example. The transaction device is, for example, an automatic teller machine and an automatic teller machine held by a financial institution. According to the disclosed technology, when the remittance request is accepted by the remittance requester, the account management server reduces the remittance amount from the remittance account and sends it to the transaction device. Instructs the withdrawal of the remittance amount. When receiving a withdrawal instruction, the transaction apparatus withdraws the instructed amount. Therefore, the recipient can receive money from the sender even if the recipient who receives the money does not have an account.

  The disclosed technology may further include the following features. The acknowledgment notice includes information specifying any of a plurality of accounts held by the sender. According to such a technique, the remittance person can select which of the plurality of accounts is to be the remittance source account.

  The disclosed technology may further include the following features. The transaction apparatus further includes photographing means for photographing the face of the recipient and requesting means for transmitting the remittance request, and the recipient information is a face image of the recipient photographed by the photographing means. Including. According to such a technique, even if the recipient who receives the remittance does not perform a troublesome operation for authentication, the remittance can confirm who the recipient is.

  The disclosed technology may further include the following features. The recipient information includes first data, and the approval notification includes a case where the first data and second data stored in a sender terminal designated as the contact address satisfy a predetermined condition. Sent from the sender terminal. In the disclosed technology, the first data and the second data are not limited as long as they can be processed by a computer, and are, for example, character string data, image data, or moving image data. When the first data and the second data satisfy a predetermined condition, for example, when the first data and the second data match, or when the first data is decrypted with a predetermined encryption algorithm The case where the decoded data and 2nd data correspond is illustrated. According to such a technique, by determining whether or not the first data and the second data satisfy a predetermined condition, the sender apparatus of the recipient information receives the first data from the sender terminal. Confirm that the device has been provided.

  The disclosed technology may further include the following features. The recipient information includes third data, the contact includes designation of a sender's terminal, and the approval notification is performed when an approval operation is performed on the sender's terminal that has output the third data. , Sent from the sender terminal. In the disclosed technology, the third data may be data that can be confirmed by the sender by visual or auditory sense, for example. The third data may be, for example, character string data, image data, audio data, or moving image data. The third data may be, for example, a secret word or a password decided in advance between the sender and the recipient, or the name of the recipient. According to such a technique, the sender's terminal outputs the third data to prompt the sender to confirm whether or not the sender can accept the remittance, and accepts an approval operation from the sender who accepted the remittance. The terminal can send an acknowledgment notice.

  The disclosed technology can also be understood from the aspects of the information processing method and program.

  The technology of the present disclosure allows a recipient who does not have a recipient account to easily receive remittance.

FIG. 1 is a diagram illustrating an example of a remittance system according to the embodiment. FIG. 2 is a diagram illustrating an example of an appearance of an ATM. FIG. 3 is a diagram illustrating an example of a hardware configuration of the information processing apparatus. FIG. 4 is a diagram illustrating an example of processing blocks of the remittance system according to the embodiment. FIG. 5 is a diagram illustrating an example of an account management table of the account management database. FIG. 6 is a diagram illustrating an example of a processing sequence of the remittance system according to the embodiment. FIG. 7 is a diagram illustrating an example of processing blocks of the remittance system according to the second modification. FIG. 8 is a first diagram illustrating an example of a processing sequence of the remittance system according to the second modification. FIG. 9 is a second diagram illustrating an example of a processing sequence of the remittance system according to the second modification.

  Hereinafter, embodiments will be described with reference to the drawings. The configuration of the embodiment described below is an exemplification, and the disclosed technology is not limited to the configuration of the embodiment.

<Embodiment>
FIG. 1 is a diagram illustrating an example of a remittance system 500 according to the embodiment. The remittance system 500 includes a bank server 1, an automatic teller machine (ATM) 2, a remittance terminal 3, and a network N1. In the remittance system 500, the recipient operates the ATM 2 and transmits a remittance request to the remittance terminal 3 via the bank server 1. When the remittance approves the remittance request, the remittance terminal 3 transmits a remittance approval notice to the bank server 2. The bank server 1 that has received the remittance approval notice withdraws the amount specified in the remittance request from the sender's sender account to the ATM 2. Hereinafter, an example of the remittance system 500 according to the embodiment will be described with reference to FIG. The remittance system 500 is an example of a “remittance system”.

  The bank server 1 is an information processing apparatus installed in a financial institution. The bank server 1 stores information relating to a customer such as a customer contact information and an account number and a customer ID for identifying the customer in association with each other. The bank server 1 provides information such as customer contact information in response to an inquiry from the ATM 2. The bank server 1 is an example of an “account management server”.

  ATM2 is an information processing device that executes various transactions such as depositing into an account, withdrawal from an account, and remittance between accounts. ATM2 is also called, for example, an automatic teller machine, an automatic transaction apparatus, an automatic teller machine, and an automatic teller machine. ATM2 accepts transaction media such as bankbooks and cash cards. The transaction medium stores a customer ID for identifying the customer using a magnetic tape, an IC chip, or the like. The ATM 2 acquires the customer ID from the accepted transaction medium and starts a transaction.

  FIG. 2 is a diagram showing an example of the appearance of ATM2. The ATM 2 includes a front display 21, a transaction medium insertion slot 22, a coin slot 23, a bill slot 24, an operation screen 25, an input unit 26, and a camera 27. The transaction medium insertion slot 22 is an insertion slot into which a transaction medium such as a bankbook or cash card is inserted. The coin insertion slot 23 is a coin insertion slot for inserting coins. The bill insertion slot 24 is a bill insertion slot into which bills are inserted. Moreover, the coin insertion slot 23 and the banknote insertion slot 24 can also be used as a withdrawal port for cash withdrawn from an account. The front display 21 and the operation screen 25 are display devices. On the operation screen 25, for example, operation procedure guidance, operation results, and the like are displayed for customers using ATM2. The input unit 26 is a user interface that receives an operation from a customer who uses the ATM 2. The input unit 26 is, for example, a touch panel that accepts a touch operation, a keyboard exemplified by a numeric keypad, and the like. The camera 27 is a camera for photographing a recipient who operates the ATM 2. The camera 27 may be a video camera that captures moving images or a still camera that captures still images. ATM2 is an example of a “transaction device”.

  The remittance terminal 3 is an information processing apparatus owned by the remittance person. The remittance terminal 3 is, for example, a desktop personal computer, a notebook personal computer, a tablet computer, a smartphone, a wearable computer, a personal digital assistant (PDA), a mobile phone, or the like. The sender terminal 3 is an example of a “sender terminal”.

  The network N1 is a computer network that connects computers to each other. The network N1 is, for example, a public communication network exemplified by the Internet, and the bank server 1, ATM 2, and remittance terminal 3 are connected to each other by the network N1 so that they can communicate with each other.

FIG. 3 is a diagram illustrating an example of a hardware configuration of the information processing apparatus 600. The information processing apparatus 600 includes a central processing unit (CPU) 601, a main storage unit 602, and an auxiliary storage unit 6.
03, a communication unit 604 and a connection bus B1. The CPU 601, the main storage unit 602, the auxiliary storage unit 603, and the communication unit 604 are connected to each other by a connection bus B1. The information processing apparatus 600 can be used as the bank server 1, ATM 2, and sender terminal 3.

The CPU 601 is also called a microprocessor unit (MPU) or a processor. The CPU 601 is not limited to a single processor, and may have a multiprocessor configuration. In addition, a single CPU 601 connected by a single socket may have a multi-core configuration. At least a part of the processing executed by the CPU 601 is performed by a processor other than the CPU 601, for example, a dedicated processor such as a digital signal processor (DSP), a graphics processing unit (GPU), a numerical operation processor, a vector processor, or an image processing processor. May be. Further, at least a part of the processing executed by the CPU 601 may be executed by an integrated circuit (IC) or other digital circuits. Further, at least a part of the CPU 601 may include an analog circuit. The integrated circuits are large scale integrated circuit (LSI), application specific integrated circuit (AS).
IC), programmable logic device (PLD). The PLD includes, for example, a field-programmable gate array (FPGA). The CPU 601 may be a combination of a processor and an integrated circuit. The combination is called, for example, a microcontroller unit (MCU), a system-on-a-chip (SoC), a system LSI, a chip set, or the like. In the information processing apparatus 600, the CPU 601 expands the program stored in the auxiliary storage unit 603 in the work area of the main storage unit 602, and controls peripheral devices through execution of the program. Thereby, the information processing apparatus 600 can execute a process that matches a predetermined purpose. The main storage unit 602 and the auxiliary storage unit 603 are recording media that can be read by the information processing apparatus 600.

  The main storage unit 602 is exemplified as a storage unit that is directly accessed from the CPU 601. The main storage unit 602 includes a random access memory (RAM) and a read only memory (ROM).

  The auxiliary storage unit 603 stores various programs and various data in a recording medium in a readable and writable manner. The auxiliary storage unit 603 is also called an external storage device. The auxiliary storage unit 603 stores an operating system (Operating System, OS), various programs, various tables, and the like. The OS includes a communication interface program that exchanges data with an external device or the like connected via the communication unit 604. Examples of the external device include other information processing devices and external storage devices connected via a computer network or the like. Note that the auxiliary storage unit 603 may be a part of a cloud system that is a group of computers on a network, for example.

The auxiliary storage unit 603 includes, for example, an Erasable Programmable ROM (EPROM), a solid state drive (SSD), and a hard disk drive (Hard Disk).
Drive, HDD). The auxiliary storage unit 603 is, for example, a Compact Disc (CD) drive device, a Digital Versatile Disc (DVD) drive device, or a Blu-ray (registered trademark) Disc (BD) drive device. In addition, the auxiliary storage unit 603 has a network attached attachment.
rage (NAS) or Storage Area Network (SAN).

  The communication unit 604 is an interface with a computer network. For example, the communication unit 604 communicates with an external device via a computer network such as the network N1. The communication unit 604 is, for example, a network interface card (NIC).

The input / output unit 605 outputs a processing result of the information processing apparatus 600 and inputs data to the information processing apparatus 600. The input / output unit 605 is an input device such as a keyboard, a pointing device, a touch panel, an acceleration sensor, or a voice input device. The input / output unit 605 is, for example, a Cathode Ray Tube (CRT) display, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), an Electroluminescence (EL) panel, an organic EL panel, or a printer. Further, when the information processing apparatus 600 is ATM 2, the input / output unit 605 includes the front display 21, the operation screen 25, the input unit 26, and the camera 27.

<Processing block of remittance system 500>
FIG. 4 is a diagram illustrating an example of processing blocks of the remittance system 500 according to the embodiment. Each of the bank server 1, the ATM 2, and the remittance terminal 3 executes processing as each unit illustrated in FIG. 4 when the CPU 601 executes a computer program that is executed in the main storage unit 602.

<Processing block of ATM2>
ATM2 is provided with the request | requirement part 201, the imaging | photography part 202, and the withdrawal part 203 so that it may be illustrated by FIG. Hereinafter, with reference to FIG. 4, the processing block of ATM2 will be described.

  The photographing unit 202 causes the camera 27 to photograph the face of the recipient who operates the ATM 2. The photographing unit 202 stores the face image of the recipient photographed by the camera 27, for example, in the auxiliary storage unit 603 of ATM2. The imaging unit 202 is an example of “imaging means”. The face image of the recipient is an example of “recipient information”.

  The request unit 201 transmits a remittance request to the bank server 1. The request unit 201 receives designation of the sender's contact information and the desired amount of money transfer from the recipient via, for example, the input unit 26. When requesting unit 201 accepts designation of the sender's contact information and the desired amount of remittance, it causes imaging unit 202 to take a picture of the recipient's face. The sender's contact information may be any information that can be used as the sender's contact information, such as the telephone number and email address of the sender's terminal 3 held by the sender. The request unit 201 transmits a remittance request including the photograph of the recipient's face, the sender's contact information, and the desired remittance amount to the bank server 1. The request unit 201 is an example of a “request unit”.

  When the withdrawal unit 203 receives a withdrawal instruction from the bank server 1, the withdrawal unit 203 withdraws the desired amount of money from the banknote insertion slot 24. When the withdrawal unit 203 receives from the bank server 1 a remittance impossible notification indicating that remittance is not possible, the withdrawal unit 203 outputs a message indicating that remittance cannot be performed, for example, to the front display 21 or the operation screen 25. The withdrawal unit 203 is an example of “withdrawal means”.

<Processing block of bank server 1>
As illustrated in FIG. 4, the bank server 1 includes a reception unit 101, an authentication unit 102, a withdrawal instruction unit 103, and an account management database (denoted as DB in the drawing) 104. Hereinafter, processing blocks of the bank server 1 will be described with reference to FIG.

The account management database 104 is a database that manages information specifying a customer in association with an account held by the customer. FIG. 5 is a diagram illustrating an example of the account management table 1041 of the account management database 104. The account management table 1041 includes items of account number, personal identification number, telephone number, mail address, and deposit balance. The account number is a number that uniquely identifies the account. The personal identification number is information used for customer authentication when a transaction using an account (for example, remittance between accounts, withdrawal from an account, etc.) is performed. As for the personal identification number, the personal identification number itself may be stored in the account management table 1041, or the personal identification number converted irreversibly by a one-way hash function or the like may be stored in the account management table 1041. The telephone number and e-mail address are contacts that can be received by the sender terminal 3 held by the sender who holds the account. The deposit balance is the amount (balance) deposited in the account. The account management database 104 and the account management table 1041 are examples of “management means”.

  Returning to FIG. 4, the accepting unit 101 accepts a remittance request from the ATM 2. As described above, the remittance request includes the photograph of the recipient's face, the sender's contact information, and the desired remittance amount. When accepting the remittance request, the accepting unit 101 transmits an approval request including the photograph of the recipient's face and the desired remittance amount to the designated sender contact information. For example, when the contact person of the sender is designated by an e-mail address, the approval request is made by sending an e-mail to the designated e-mail address. Further, for example, when the sender contact is designated by a telephone number, the approval request is made by transmitting a Multimedia Messaging Service (MMS) to the designated telephone number. The accepting unit 101 is an example of “reception unit” and “approval request unit”.

  When receiving the approval notification including the remittance source account number and the personal identification number as a response to the approval request, the authentication unit 102 extracts the remittance source account number and the personal identification number from the approval notification. The authentication unit 102 searches the account management table 1041 for a password corresponding to the remittance account number, and determines whether or not the searched password and the password included in the approval notification match.

  If the withdrawal instruction unit 103 determines that the password retrieved by the authentication unit 102 matches the password included in the approval notification, the withdrawal source account specified by the remittance source account number specified in the approval notification After executing a reduction process for reducing the remittance request amount included in the remittance request, the ATM 2 is instructed to withdraw the desired remittance amount. The withdrawal instruction unit 103 transmits a remittance impossible notification to the ATM 2 when the passwords do not match or when a rejection notification is received from the sender terminal 3. The withdrawal instruction unit 103 is an example of “remittance means”.

<Processing block of sender 3>
As illustrated in FIG. 4, the remittance terminal 3 includes a reception unit 301, an output unit 302, and a transmission unit 303. Hereinafter, processing blocks of the sender terminal 3 will be described with reference to FIG.

  The receiving unit 301 receives an approval request from the bank server 1. The output unit 302 outputs the photograph of the recipient's face and the desired amount of remittance included in the approval request received by the receiving unit 301 to the display or the like of the remittance terminal 3 to prompt the remittor to accept or reject. .

  The transmission unit 303 transmits a notification of approval to the bank server 1 when the remittance approves the remittance. The transmission unit 303 accepts designation of a remittance source account number of a remittance source account selected from among accounts held by the remittance person and input of a personal identification number of the remittance source account. The transmission unit 303 transmits an acknowledgment notice including the designated remittance source account number and password to the bank server 1. When the remittance refuses remittance, the transmission unit 303 transmits a rejection notice to the bank server 1.

<Processing sequence of remittance system 500>
FIG. 6 is a diagram illustrating an example of a processing sequence of the remittance system 500 according to the embodiment. Hereinafter, an example of a processing sequence of the remittance system 500 will be described with reference to FIG.

  In S <b> 1, the request unit 201 of ATM <b> 2 accepts designation of the sender's contact information and the desired amount of money transfer from the recipient. In S <b> 2, the request unit 201 that has received specification of the sender's contact information and the desired amount of money to remit, causes the photographing unit 202 to take a photograph of the recipient's face. In S <b> 3, the request unit 201 transmits to the bank server 1 a remittance request including the sender contact information and the requested remittance amount accepted in S <b> 1 and the recipient's face photograph taken in S <b> 2.

  In S4, the accepting unit 101 of the bank server 1 accepts a remittance request from the ATM2. The accepting unit 101 transmits an approval request including the desired amount of remittance and the face photograph of the recipient to the sender contact address included in the remittance request. The process of accepting the remittance request in S4 is an example of a “reception step”. The process of transmitting the approval request in S4 is an example of a “transmission step”.

  In S <b> 5, the receiving unit 301 of the sender terminal 3 receives an approval request from the bank server 1. The output unit 302 outputs the recipient's face photo and the desired amount of remittance included in the approval request received by the receiving unit 301 to the display or the like of the remittance terminal 3.

  In S <b> 6, the transmission unit 303 of the sender terminal 3 transmits an approval notification or a rejection notification to the bank server 1. For example, the sender who confirmed the photograph of the recipient's face and the desired amount of remittance output in S5 and accepted the remittance sends the remittance source account number of the remittance source account and the PIN number associated with the remittance source account. When input, the transmission unit 303 transmits an acknowledgment notice including the remittance source account number and the personal identification number to the bank server 1. Further, for example, when the remittancer rejects the remittance after confirming the recipient's face photo and the desired remittance amount output in S <b> 5, the transmission unit 303 transmits a rejection notice to the bank server 1.

  In S <b> 7, the authentication unit 102 of the bank server 1 performs an authentication process when receiving an acknowledgment notice. The authentication unit 102 extracts the remittance source account number and the password included in the received approval notification from the approval notification. The authentication unit 102 determines whether or not the personal identification number corresponding to the remittance source account number matches the personal identification number included in the approval notification.

  In S8, if the withdrawal instruction unit 103 determines in the authentication process in S7 that the password corresponding to the remittance source account number matches the security code included in the approval notification, the withdrawal unit 103 requests remittance from the remittance source account. Reduce the amount. The process of S8 is an example of a “reduction process”.

  In S9, when the approval notification is received in S6, the withdrawal instruction unit 103 transmits to the ATM 2 a withdrawal instruction that instructs withdrawal of the desired amount of remittance. If a rejection notification is received in S6 or if the passwords do not match in S7, the withdrawal instruction unit 103 transmits a remittance impossible notification to ATM2. The processing from S7 to S9 is an example of a “money transfer step”.

  In S <b> 10, when a withdrawal instruction is received, the withdrawal unit 203 of the ATM 2 withdraws money of a desired remittance amount from the banknote insertion slot 24. When the remittance impossible notification is received, the withdrawal unit 203 of the ATM 2 outputs information indicating that remittance is not possible, for example, to the front display 21 or the operation screen 25.

<Effects of Embodiment>
In the embodiment, the bank server 1 that has received the remittance request from the ATM 2 transmits an approval request to the remittance terminal 3, and when the remittance is approved, the bank server 1 reduces the remittance request amount from the remittance source account. At the same time, it issues a withdrawal instruction to ATM2. The ATM 2 that has received the withdrawal instruction withdraws the money of the desired amount of remittance. By adopting such a configuration, in the embodiment, even if the recipient does not have an account, the remittance from the sender can be received.

  In the embodiment, when the personal identification number transmitted by the sender terminal 3 and the personal identification number associated with the account by the account management table 1041 match, transmission of a withdrawal instruction and a reduction process are executed. Therefore, according to the embodiment, it is possible to suppress remittance being approved by another person pretending to be the remittance person.

  In the embodiment, the approval notice includes information specifying an account to be used as a remittance source account. Therefore, according to the embodiment, when the remittance has a plurality of accounts, the remittance can select which account is used as the remittance source account.

  In the embodiment, the face image of the recipient is photographed by the camera 27 provided in the ATM 2, and the photographed face image is transmitted to the remittance terminal 3. The sender can recognize who the recipient is by confirming the received face image. Therefore, according to the embodiment, even if the recipient does not perform a troublesome operation for authentication, the sender can check who the recipient is.

<First Modification>
In the embodiment, the authentication unit 102 of the bank server 1 withdraws money at the ATM 2 when the password number included in the approval notification matches the password number corresponding to the remittance source account. The authentication unit 102 may further determine whether or not the balance of the remittance source account is equal to or greater than the remittance request amount. When the balance of the remittance source account is less than the desired remittance amount, the authentication unit 102 may transmit a shortage balance notification to that effect to the sender contact. By adopting such a configuration, it is possible to avoid that withdrawal cannot be made due to insufficient balance.

<Second Modification>
In the embodiment, the remittance person determines whether or not remittance is possible by referring to the photograph of the recipient's face. In the second modification, a description will be given of a configuration in which ciphertext is shared in advance from the remittance terminal 3 to the recipient terminal held by the recipient, and whether or not remittance is possible is determined based on the ciphertext. The same components as those in the embodiment are denoted by the same reference numerals, and the description thereof is omitted.

  FIG. 7 is a diagram illustrating an example of processing blocks of the remittance system 500a according to the second modification. The remittance system 500a according to the second modified example is different from the remittance system 500 according to the embodiment in that the remittance terminal 3a is provided in place of the remittance terminal 3 and the recipient terminal 4 is further provided.

  The remitter terminal 3a is different from the remitter terminal 3 according to the embodiment in that it further includes an encryption processing unit 304. The encryption processing unit 304 generates a first ciphertext obtained by encrypting a predetermined character string. For example, the encryption processing unit 304 may generate a first ciphertext obtained by encrypting a predetermined character string using a secret key stored in advance in the auxiliary storage unit 603 and a predetermined encryption algorithm. The predetermined character string is designated by the sender using, for example, the input / output unit 605 of the sender terminal 3a. The cryptographic processing unit 304 transmits the generated first ciphertext to the recipient terminal 4.

  When receiving the second ciphertext from the recipient terminal 4, the cipher processing unit 304 generates a decrypted character string obtained by decrypting the received second ciphertext. For example, when the first ciphertext is generated with the above-described secret key and a predetermined algorithm, the cryptographic processing unit 304 generates a decrypted character string obtained by decrypting the second ciphertext with the above-described secret key and the predetermined algorithm. do it. The cryptographic processor 304 can authenticate the recipient by determining whether or not the decrypted character string matches the predetermined character string used to generate the first ciphertext. The second ciphertext is an example of “first data”. The predetermined character string is an example of “second data”. The decrypted character string is an example of “decoded data”. The case where the decrypted character string matches the predetermined character string used for generating the first ciphertext is an example of “when a predetermined condition is satisfied”.

  The payee terminal 4 is an information processing apparatus owned by the payee, and the hardware configuration thereof is the same as that of the remittance terminal 3, for example. The recipient terminal is, for example, a notebook personal computer, a tablet computer, a smartphone, a wearable computer, a PDA, a mobile phone, or the like. The recipient terminal 4 includes a receiving unit 401, an input unit 402, and an output unit 403.

  The receiving unit 401 receives the ciphertext from the sender terminal 3a. The receiving unit 401 stores the received ciphertext in the auxiliary storage unit 603 of the recipient terminal 4. The input unit 402 receives input from a recipient via the input / output unit 605. The input unit 402 can accept, for example, designation of the contact information of the sender.

  The output unit 403 outputs the ciphertext, the remittance amount, and the contact information of the sender to the input / output unit 605. For example, when the ATM 2 includes a reading unit that reads a code such as a QR code (registered trademark), the ciphertext, the remittance amount, and a code indicating the contact information of the remittance are output to the display of the recipient terminal 4, and the output code is The ciphertext, the remittance amount, and the contact information of the remittance may be input to the ATM 2 by holding the ATM2 reading unit. In addition, for example, when ATM 2 and the recipient terminal 4 can communicate with each other by Near Field Communication (NFC), the output unit 403 of the recipient terminal 4 communicates the ciphertext, the remittance amount, and the sender to the ATM 2 by NFC. The destination may be transmitted to ATM2.

  8 and 9 are diagrams illustrating an example of a processing sequence of the remittance system 500a according to the second modification. The same processes as those in the embodiment are denoted by the same reference numerals, and the description thereof is omitted. Hereinafter, an example of a processing sequence of the remittance system 500a according to the second modification will be described with reference to FIG. In the remittance system 500a, it is assumed that there is an agreement about the remittance amount between the sender and the receiver.

  At T1, the cryptographic processing unit 304 of the sender terminal 3 generates a ciphertext obtained by encrypting a character string designated by the sender using a secret key and a predetermined encryption algorithm. The cryptographic processing unit 304 stores the character string designated by the sender in the auxiliary storage unit 603 of the sender terminal 3. At T2, the cryptographic processing unit 304 transmits the ciphertext generated at T1 to the recipient terminal 4.

  At T3, the receiving unit 401 of the recipient terminal 4 receives the ciphertext from the sender terminal 3. At T4, the input unit 402 accepts designation of the contact information of the sender.

  At T5, the ciphertext displayed on the display or the like of the recipient terminal 4 and the contact information of the sender are input to the ATM2. As an input to ATM2, for example, a code such as a QR code may be read by ATM2, or may be transmitted from the recipient terminal 4 to ATM2 by NFC. Further, the recipient may input the ciphertext displayed on the display of the recipient terminal 4 and the contact information of the sender via the input unit 26 of the ATM 2.

  At T <b> 6, the request unit 201 of the ATM 2 transmits a remittance request including the ciphertext and the contact information of the sender to the bank server 1. The accepting unit 101 of the bank server 1 receives a remittance request from the ATM 2. The process of T6 is an example of a “reception step”.

  At T7, the accepting unit 101 of the bank server 1 transmits the cipher text received from the ATM 2 to the contact person of the sender. The process of T7 is an example of an “approval request step”.

At T8, the encryption processing unit 304 of the sender terminal 3 generates a decrypted character string obtained by decrypting the ciphertext received from the bank server 1. The encryption processing unit 304 determines whether or not the decrypted character string matches the character string stored in the auxiliary storage unit 603 at T1. The cryptographic processing unit 304 authenticates the recipient by this determination.

  In T9, if it is determined in T8 that the decrypted character string matches the character string stored in the auxiliary storage unit 603 in T1, that is, if the recipient authentication is successful, the transmission unit 303 of the sender terminal 3 , An acknowledgment notice is transmitted to the bank server 1. Thereafter, the processes after S7 are executed.

  In the second modification, the ciphertext generated by the sender terminal 3 is transmitted to the recipient terminal 4. The recipient terminal 4 transmits the ciphertext to the sender terminal 3 via the ATM 2 and the bank server 1. The remittance terminal 3 performs authentication using the ciphertext transmitted from the payee terminal 4 through such a route, so that the reciever operating the ATM 2 and the ciphertext transmitted by the remittance terminal 3 are obtained. It can be confirmed that the owner of the received recipient terminal 4 matches. That is, according to the second modification, it is possible to confirm that the recipient is valid by such processing using the ciphertext. In the second modified example, since the recipient is confirmed using the ciphertext, the ATM 2 of the second modified example may not include the camera 27.

  In the second modification, instead of ciphertext, character string data such as a password, secret password, and the name of the recipient, which is determined in advance by the sender and the recipient, may be used, or image data, audio data, or video data Binary data such as may be used. Character string data such as passwords, secret words or recipient names, double-entry data such as image data, audio data or moving image data is an example of “first data”.

  In the second modification, as illustrated in the process at T9 in FIG. 9, the approval notification is transmitted by comparing the information stored in the sender terminal 3 with the received information such as ciphertext. . However, the transmission of the approval notification is not limited to such a method. The notification of approval is, for example, sending the information received by the sender 3 and prompting the sender to confirm whether or not to send the money, and accepting the approval operation from the sender who accepted the payment based on the output information. The human terminal 3 may transmit. Such information may be information that can be recognized visually or auditorily by the sender, and may be, for example, character string data, image data, audio data, or moving image data. Information that can be recognized by the remittance by visual or auditory sense is an example of “third data”.

  In the second modification, the ciphertext is generated by encrypting a character string designated by the sender, but the ciphertext is generated by encrypting a randomly generated character string or predetermined image data. May be. The ciphertext may be generated by encrypting a character string obtained by combining information indicating time and a predetermined character string.

  In the second modified example, in the process of T9, the approval notification from the sender terminal 3 is transmitted to the bank server 1. However, the approval notification may be transmitted to the recipient terminal 4 instead of the bank server 1. In this case, the approval notification may include a code indicating approval (for example, a QR code), and the recipient terminal 4 may output the QR code and cause the ATM 2 to read out, thereby making a withdrawal from the ATM 2. .

<Third Modification>
In the embodiment, the personal identification number is used for authenticating the transaction using the account. However, the information used for authenticating the transaction using the account is not limited to the personal identification number. Information used for authentication of transactions using an account may be an authentication phrase including characters other than numbers, for example.

  The embodiments and modifications disclosed above can be combined.

<< Computer-readable recording medium >>
An information processing program that causes a computer or other machine or device (hereinafter, a computer or the like) to realize any of the functions described above can be recorded on a computer-readable recording medium. Then, the function can be provided by causing the computer or the like to read and execute the program of the recording medium.

Here, a computer-readable recording medium refers to a recording medium that stores information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read from a computer or the like. Say. Among such recording media, those removable from a computer or the like include, for example, a flexible disk, a magneto-optical disk, a compact disc read only memory (CD-ROM), a compact disc-recordable (CD-R), and a compact disc-rewriterable. (CD-RW), Digital Versatile Disc (DVD), Blu-ray Disc (BD), Digital Audio Tape (DAT), 8 mm tape, flash memory, and other memory cards. Moreover, there are a hard disk, a ROM, and the like as a recording medium fixed to a computer or the like.

DESCRIPTION OF SYMBOLS 1 ... Bank server 101 ... Reception part 102 ... Authentication part 103 ... Withdrawal instruction part 104 ... Account management database 1041 ... Account management table 2 ... ATM
21 ... Front display 22 ... Transaction medium insertion slot 221 ... Passbook insertion slot 222 ... Card insertion slot 23 ... Coin insertion slot 24 ... Bill insertion slot 25 ... Operation screen 26. ··· Input unit 27 ··· Camera 201 ··· Request unit 202 ··· Shooting unit 203 ··· Withdrawal unit 3 and 3a · Remittance terminal 301 ··· Receiver unit 302 ··· Output unit 303 ... Transmission unit 304 ... Cryptographic processing unit 4 ... Recipient terminal 401 ... Reception unit 402 ... Input unit 403 ... Output unit 500, 500a ... Remittance system 601 ... CPU
602: Main storage unit 603: Auxiliary storage unit 604: Communication unit 605 ... Input / output unit N1: Network

Claims (8)

A receiving means for receiving a remittance request including a remittance amount, the sender's contact information, and recipient information indicating the recipient;
Approval request means for transmitting an approval request including the amount of remittance and the recipient information to a contact included in the remittance request;
Management means for managing correspondence between the sender and the account held by the sender;
Upon receipt of an approval notification as a response to the approval request, a withdrawal instruction for instructing withdrawal of the remittance amount is transmitted, and the money of the remittance amount is reduced from the account associated with the remittance person in the management means An account management server comprising: a remittance means for executing a reduction process;
When receiving the withdrawal instruction, including a transaction apparatus comprising a withdrawal means for withdrawing the money of the remittance amount,
Remittance system. The acknowledgment notice includes information specifying any of a plurality of accounts held by the sender.
The remittance system according to claim 1. The transaction apparatus further includes a photographing unit that photographs the face of the recipient, and a request unit that transmits the remittance request,
The recipient information includes a face image of the recipient photographed by the photographing means.
The remittance system according to claim 1 or 2. The recipient information includes first data;
The acknowledgment notice is transmitted from the sender terminal when the first data and the second data stored in the sender terminal designated as the contact condition satisfy a predetermined condition.
The remittance system according to any one of claims 1 to 3. The recipient information includes third data;
The contact information includes designation of the sender terminal,
The approval notification is transmitted from the sender terminal when an approval operation is performed on the sender terminal that has output the third data.
The remittance system according to any one of claims 1 to 3. A receiving means for receiving a remittance request including a remittance amount, the sender's contact information, and recipient information indicating the recipient;
Approval request means for transmitting an approval request including the amount of remittance and the recipient information to a contact included in the remittance request;
Management means for managing correspondence between the sender and the account held by the sender;
Upon receipt of an approval notification as a response to the approval request, a withdrawal instruction for instructing withdrawal of the remittance amount is transmitted, and the money of the remittance amount is reduced from the account associated with the remittance person in the management means And a remittance means for executing a reduction process.
Account management server. Computer
Receiving a remittance request including a remittance amount, the sender's contact information, and recipient information indicating the recipient;
An approval request step of transmitting an approval request including the amount of money transfer and the recipient information to the contact included in the remittance request;
When receiving an approval notification as a response to the approval request, sends a withdrawal instruction for instructing withdrawal of the remittance amount, and manages the correspondence between the sender and the account held by the sender A remittance step for executing a reduction process for reducing the money of the remittance amount from an account associated with the sender;
Information processing method. Receiving a remittance request including a remittance amount, the sender's contact information, and recipient information indicating the recipient on a computer;
An approval request step of transmitting an approval request including the amount of money transfer and the recipient information to the contact included in the remittance request;
When receiving an approval notification as a response to the approval request, sends a withdrawal instruction for instructing withdrawal of the remittance amount, and manages the correspondence between the sender and the account held by the sender A remittance step of executing a reduction process for reducing the money of the remittance amount from an account associated with the sender,
program.

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