JP2019200624A - Medium return notification method and information processing system - Google Patents

Abstract

To ensure an improvement on security when returning a forgotten medium.SOLUTION: An information processing apparatus 30 includes a control unit 31 and a storage unit 32. The control unit 31 receives from an automatic transaction device 10 a medium storage notification notifying that a medium that a customer has forgotten is stored, generates a temporary password, sets an effective time for the temporary password, sends the notification notifying that the medium has been forgotten and the temporary password to a mobile terminal 20 of the customer, receives the temporary password from the automatic transaction device 10, determines whether an authentication of the temporary password received from the automatic transaction device 10 should be permitted, and sends a notification for permission discharging of the medium to the automatic transaction device 10 in a case of permitting the authentication.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a medium return notification method and an information processing system.

  2. Description of the Related Art An automated teller machine (ATM; Automated Teller Machine, hereinafter referred to as ATM) used in a financial institution or the like is known as a transaction apparatus that performs financial transactions. Customers conduct financial transactions such as cash deposits and withdrawals using ATMs.

The customer may leave the ATM after performing a financial transaction at the ATM and forgetting the medium (card, cash, bankbook, etc.) discharged from the ATM.
In order to deal with such a case where the customer is unaware of forgetting to remove the medium, by notifying the customer's e-mail address that the medium has been forgotten, the customer can quickly recognize that the medium has been forgotten. There is known a technique capable of quickly picking up a medium.

JP 2006-31355 A

  However, the prior art only notifies the user of forgetting to remove the ATM, and no consideration has been given to improving security when the customer obtains the forgotten medium.

In order to cope with such a situation, a technique for improving security when returning a forgotten medium is desired.
In one aspect, an object of the present invention is to provide a medium return notification method and an information processing system that can improve security when returning a forgotten medium.

  In order to achieve the above object, the following media return notification method is provided. The information processing apparatus executes a medium return notification method. The information processing device receives a media storage notification, which is a notification that the customer has stored the media that the customer forgot to store, from the automatic transaction device, generates a temporary password, and is an effective time for permitting the temporary password as valid authentication information. Set the time for the temporary password, send a notification that the medium has been forgotten and the temporary password to the mobile terminal of the customer, receive the temporary password from the automatic transaction device, and receive the temporary password from the automatic transaction device In the case of permitting authentication by judging whether or not authentication is permitted, a permission notice for discharging the medium is transmitted to the automatic transaction apparatus.

  According to one aspect, security when returning a forgotten medium can be improved.

It is a figure which shows an example of the information processing system of 1st Embodiment. It is a figure which shows an example of the information processing system of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of the host of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of ATM of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of the customer terminal of 2nd Embodiment. It is a figure which shows an example of the function of the information processing system of 2nd Embodiment. It is a figure which shows an example of the customer management information of 2nd Embodiment. It is a figure which shows an example of the temporary password management information of 2nd Embodiment. It is a figure which shows an example of the notification screen of 2nd Embodiment. It is a figure which shows an example of the contact screen of 2nd Embodiment. It is a figure which shows an example of the normal transaction selection screen of 2nd Embodiment. It is a figure which shows an example of the medium return selection screen of 2nd Embodiment. It is a figure which shows the flowchart of the medium storage process of 2nd Embodiment. It is a figure which shows the flowchart of the medium return process of 2nd Embodiment. It is a figure which shows the flowchart of the host process of 2nd Embodiment.

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, the information processing system according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of an information processing system according to the first embodiment.

  The information processing system 50 includes an automatic transaction apparatus 10 and an information processing apparatus 30. The automatic transaction apparatus 10 and the information processing apparatus 30 can communicate information and are connected to each other via a network. The network may be a wired network or a wireless network.

  The automatic transaction apparatus 10 is an apparatus that performs financial transactions, and is, for example, an ATM installed in a financial institution or the like. The automatic transaction apparatus 10 includes a control unit 11, a storage unit 12, a display reception unit 13, and a medium processing unit 14.

  The control unit 11 controls the entire automatic transaction apparatus 10 and is, for example, a processor. The control unit 11 can control the automatic transaction apparatus 10 based on a medium such as a card received by the medium processing unit 14 or a customer operation received by the display receiving unit 13. In addition, the control unit 11 detects that the medium that the customer has forgotten to store has been stored in the automatic transaction apparatus 10 via the medium processing unit 14, and generates a medium storage notification that is a notification that the medium has been stored. It transmits to the processing apparatus 30. The medium storage notification includes customer identification information (for example, an account number) read from the medium and identification information for identifying the automatic transaction apparatus 10 that stores the medium.

  The storage unit 12 is an HDD (Hard Disk Drive) or various memories provided in the automatic transaction apparatus 10. The storage unit 12 stores a program for executing the function of the automatic transaction apparatus 10 and information for transmission / reception.

  The display receiving unit 13 displays various types of information and receives instructions input from customers. The display receiving unit 13 is, for example, a display and a touch panel provided on the outer surface of the automatic transaction apparatus 10.

  The medium processing unit 14 receives a medium (card, passbook, etc.) from a customer who uses the automatic transaction apparatus 10, reads information (account number, etc.) recorded on the medium, and notifies the control unit 11. The medium processing unit 14 has a function of detecting that the customer has forgotten to take the medium and storing the medium in the automatic transaction apparatus 10. The medium is inserted or ejected in the automatic transaction apparatus 10 and includes not only cards and bankbooks but also cash.

  The portable terminal 20 is a portable electronic device held by a customer. For example, the mobile terminal 20 is a smartphone, a mobile phone, a notebook computer, or the like. The mobile terminal 20 includes a control unit 21, a storage unit 22, and a display unit 23.

  The control unit 21 controls the entire mobile terminal 20 and is, for example, a processor. The control unit 21 performs information communication with the information processing apparatus 30. In addition, the control unit 21 can store and read information from the storage unit 22. The control unit 21 causes the display unit 23 to display information received from the information processing apparatus 30. The storage unit 22 is an HDD or various memories provided in the mobile terminal 20. The display unit 23 is a device that displays information, and is, for example, a display.

  The information processing apparatus 30 is a computer having a function of receiving a medium storage notification from the automatic transaction apparatus 10, generating a temporary password (one-time password), and transmitting it to the mobile terminal 20. The temporary password is authentication information that is input to the automatic transaction apparatus 10 by a customer who has forgotten to take the medium to discharge the medium stored in the automatic transaction apparatus 10.

  The information processing apparatus 30 includes a control unit 31 and a storage unit 32. The control unit 31 controls the entire information processing apparatus 30 and is, for example, a processor. The control unit 31 performs information communication with the automatic transaction apparatus 10 and the mobile terminal 20. In addition, the control unit 31 can store and read information from the storage unit 32. The control unit 31 stores the generated temporary password and the password management information 35 in association with the effective time that is the time during which the temporary password is permitted as valid authentication information.

  The storage unit 32 is an HDD or various memories provided in the information processing apparatus 30. The storage unit 32 stores password management information 35. The password management information 35 includes items of transmission date and time, customer identification information, automatic transaction apparatus identification information, temporary password, and valid time. In the item of transmission date and time, information on the date and time when the control unit 31 transmits the temporary password to the mobile terminal 20 is registered. Information for identifying a customer is registered in the item of customer identification information. The customer identification information is, for example, an account number or a customer number managed by a financial institution. In the automatic transaction apparatus identification information item, identification information for identifying the automatic transaction apparatus 10 that is the transmission source of the medium storage notification is registered. The temporary password generated by the control unit 31 is registered in the temporary password field. As the valid time, a time for permitting the temporary password as valid authentication information is registered. In addition, although the memory | storage part 32 memorize | stores the destination information (telephone number, e-mail address, etc.) for transmitting a notification to the portable terminal 20 held in association with the customer identification information, the description is omitted.

  Here, processing of the medium return notification method in the information processing system 50 will be described. It is assumed that the customer inserts a card in the automatic transaction apparatus 10 and performs a withdrawal operation, forgets to remove the card, and leaves the automatic transaction apparatus 10.

  The control unit 11 of the automatic transaction apparatus 10 detects forgetting to remove the card via the medium processing unit 14 and notifies the medium processing unit 14 of an instruction for taking in and storing the card. The control unit 11 transmits a medium storage notification to the information processing apparatus 30.

  The control unit 31 of the information processing apparatus 30 receives the medium storage notification from the control unit 11 and generates a temporary password. The control unit 31 sets the valid time for the temporary password. The control unit 31 can select at least one of a predetermined time, a time determined according to the distance between the automatic transaction apparatus 10 and the mobile terminal 20, and a time determined according to the business hours of the automatic transaction apparatus 10 as the effective time. Can be set. The control unit 31 transmits to the customer's mobile terminal 20 a notification that the medium has been forgotten and a temporary password. In addition, the memory | storage part 32 shall memorize | store the customer contact information (e-mail address, telephone number, etc.) of the portable terminal 20 which customer identification information and a customer hold | maintain for every customer beforehand. The control unit 31 stores the transmission date and time, the customer identification information, the automatic transaction apparatus identification information, the temporary password, and the valid time when the temporary password is transmitted to the mobile terminal 20 in the storage unit 32 as the password management information 35.

  The control unit 21 of the portable terminal 20 receives a notification that the medium has been forgotten and a temporary password from the control unit 31, and displays the received information on the display unit 23. The customer confirms the notification that the medium displayed on the display unit 23 has been forgotten and the temporary password, and returns it to the automatic transaction apparatus 10. The customer selects an operation of collecting the medium forgotten in the display receiving unit 13 of the automatic transaction apparatus 10 and inputs the temporary password received by the portable terminal 20.

The control unit 11 receives a temporary password input by the customer via the display receiving unit 13. The control unit 11 transmits the received temporary password to the control unit 31.
The control unit 31 receives the temporary password from the control unit 11 and determines whether the received temporary password is authorized. The control unit 31 can determine whether or not the authentication of the temporary password is permitted using one or more methods. For example, when the control unit 31 determines whether or not authentication is permitted for the temporary password, the automatic transaction apparatus 10 that is the transmission source of the temporary password and the automatic transaction apparatus 10 that is the transmission source of the medium storage notification are the same. Determine whether. Further, when the control unit 31 determines whether or not the authentication for the temporary password is permitted, the time from the time when the temporary password is transmitted to the portable terminal 20 to the time when the temporary password is received from the automatic transaction apparatus 10 is determined for each temporary password. It is determined whether it is within the set valid time. Further, when determining whether or not the authentication for the temporary password is permitted, the control unit 31 determines whether or not the temporary password transmitted to the mobile terminal 20 is the same as the temporary password received from the automatic transaction apparatus 10.

When the control unit 31 determines whether or not authentication is permitted for the temporary password and permits the authentication, the control unit 31 transmits a permission notification for discharging the medium to the control unit 11 that is the transmission source of the temporary password.
Further, in addition to the temporary password authentication, the control unit 31 authenticates the password used for the financial transaction, and transmits a permission notice for discharging the medium when the authentication is permitted for each of the temporary password and the password. You can also.

The control unit 11 receives the permission notification from the control unit 31 and discharges the stored medium from the medium processing unit 14. The customer receives the medium discharged from the medium processing unit 14.
Thus, in the information processing system 50, when the customer acquires the forgotten medium from the automatic transaction apparatus 10, the security at the time of returning the medium can be improved by authenticating the temporary password.

  In addition, since there is an upper limit to the number of media that can be held in the automatic transaction apparatus 10, if the number of media held in the automatic transaction apparatus 10 is large, a staff member of a financial institution needs to take out the medium. However, in the information processing apparatus 30, by providing an effective time for the temporary password, it is possible to promote the customer to acquire the medium within the effective time and to reduce the work load on the staff. In other words, the information processing device 30 can set a valid time for the temporary password, thereby limiting the time for holding the medium in the automatic transaction device 10. As a result, it is possible to manage the time for the staff of the financial institution to take out the medium from the automatic transaction apparatus 10. By setting an effective time for the temporary password in the information processing apparatus 30, it is possible to secure a time for the customer to return to the medium and reduce the management burden on the automatic transaction apparatus 10 in the financial institution. Moreover, in the information processing apparatus 30, by setting an effective time for the temporary password, it is possible to reduce the continuation of a state in which it is unknown whether or not the customer himself / herself acquires from the automatic transaction apparatus 10 for the forgotten medium. Can do.

  In recent years, a technique for capturing a password entered when performing a financial transaction with the automatic transaction apparatus 10 has been improved. For example, it is possible to detect the position and order of the buttons on the numeric keypad pressed by the customer by connecting the thermographic camera function to a smartphone and imaging the numeric keypad of the automatic transaction apparatus 10, so that a third party can easily steal the password. It has become to. Further, there is a risk that a third party who has been queued up in the use queue of the automatic transaction apparatus 10 conventionally steals the personal identification number pressed by the customer who is using the automatic transaction apparatus 10. For this reason, when the forgotten medium can be acquired only by the password entered during the financial transaction, the forgotten medium is stolen by a third party using the automatic transaction apparatus 10 immediately after the customer who has forgotten to take the medium. There is a danger that fears will increase and the media that you forget to use will be used. In order to avoid such danger, the information processing system 50 notifies the customer of a temporary password different from the password used in the financial transaction, and returns the forgotten medium to the customer who has input the temporary password.

In this way, the information processing system 50 can improve security when returning a forgotten medium.
[Second Embodiment]
Next, as a second embodiment, an information processing system in which the automatic transaction apparatus 10 is applied to ATM and the information processing apparatus 30 is applied to a host will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of an information processing system according to the second embodiment.

  An information processing system 400 in a financial institution or the like includes one or more ATMs 100 (one of which is shown in FIG. 2) and a host 300. The ATM 100 is connected to the host 300 via the network 410. The host 300 performs information communication with the customer terminal 200 via the network 410. The network 410 may be a wired network or a wireless network. The ATM 100 and the host 300 may be connected by a dedicated line. In addition, the host 300 and the customer terminal 200 can perform information communication by wireless communication.

The ATM 100 includes a customer operation unit 120, a card / receipt unit 130, a passbook processing unit 140, a coin processing unit 150, a banknote processing unit 160, and a numeric keypad input unit 170.
The customer operation unit 120 includes a display and a touch panel, and performs transaction operation guidance and instruction reception.

  The card / receipt unit 130 inserts and discharges a card in a transaction using a card such as a cash card or a credit card. The card / receipt unit 130 discharges the receipt at the end of the transaction.

  The passbook processing unit 140 inserts and discharges the passbook when accepting the passbook, and prints the passbook as necessary. The coin processing unit 150 processes the delivery of coins during deposit and withdrawal transactions. The banknote processing unit 160 processes delivery of banknotes during deposit and withdrawal transactions.

  The numeric keypad input unit 170 includes buttons for inputting numbers and the like, and accepts customer instructions in cooperation with the touch panel of the customer operation unit 120. For example, the numeric keypad input unit 170 can accept input of a password for authenticating a cash card or the like, selection of financial transaction content, financial transaction amount, or the like.

  The host 300 is a computer that transmits and receives information to and from the ATM 100 and executes a program having a function of managing the ATM 100, an account-related business, a customer authentication process using the ATM 100, and the like. Further, the host 300 receives transaction history information from the ATM 100 and stores it in the database 320. The database 320 is a storage device that stores various types of information.

  In addition, the host 300 acquires a message for notifying an error or an operating state from the ATM 100, and a program having a function of managing the ATM 100 is also executed. The host 300 receives a message from the ATM 100 indicating that the medium (card, passbook, cash) has been forgotten, identifies the customer who has made the transaction in which the forgotten medium has occurred, and the customer terminal 200 held by the customer. Notify that the forgetting occurred.

Note that although the host 300 has the account-related business and the ATM 100 management business function, these functions may be realized by different computers.
The customer terminal 200 is a portable terminal held by a customer who uses the ATM 100. The customer terminal 200 is, for example, a smartphone, a tablet computer, a notebook computer, or the like. The customer terminal 200 receives a notification from the host 300 that a forgotten medium has occurred and displays it on the display unit.

  Here, an operation when a customer forgets to take a card when the customer performs a withdrawal operation at the ATM 100 will be described. Here, it is assumed that the customer inserts the card into the card / receipt unit 130 and performs a withdrawal transaction. The ATM 100 reads information (account number, etc.) from the inserted card. The ATM 100 transmits the information read from the card to the host 300 and displays an operation screen on the customer operation unit 120 in accordance with an instruction from the host 300. In accordance with the instruction displayed on the customer operation unit 120, the customer operates the customer operation unit 120 and the like to input an instruction, a password, and a withdrawal amount. The ATM 100 transmits an account number, a personal identification number, a withdrawal amount, etc. to the host 300. The host 300 also performs a password authentication process and a withdrawal process from the account balance corresponding to the account number, and responds to the ATM 100 withdrawing permission. The ATM 100 receives a withdrawal permission response from the host 300, ejects the cash designated by the withdrawal amount from the coin processing unit 150 and the banknote processing unit 160, and ejects the card from the card / receipt unit 130. The customer confirms the display on the customer operation unit 120, receives the discharged cash, and ends the withdrawal transaction. Further, it is assumed that the customer forgets to take the card and leaves the ATM 100.

  The ATM 100 takes in the card that the customer has forgotten to take into the ATM 100 and sends a message to the host 300 that the card has been forgotten. The host 300 receives a message from the ATM 100 indicating that the card has been forgotten. The host 300 identifies the customer who has forgotten to take the card, generates a temporary password (one-time password) according to the situation, and notifies the customer terminal 200 used by the customer.

The customer confirms the customer terminal 200, returns to the ATM 100 that has forgotten to take the card, inputs the temporary password notified to the ATM 100, and obtains the card stored in the ATM 100.
Next, the hardware configuration of the host according to the second embodiment will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of a hardware configuration of the host according to the second embodiment.

  The host 300 includes a control unit 310. The control unit 310 includes a processor 311, a RAM (Random Access Memory) 312, an HDD 313, an image signal processing unit 314, an input signal processing unit 315, a media reader 316, and a communication interface 317. The entire host 300 is controlled by the processor 311. A RAM 312 and a plurality of peripheral devices are connected to the processor 311 via a bus 318. The processor 311 may be a multiprocessor. The processor 311 is, for example, a central processing unit (CPU), a micro processing unit (MPU), a digital signal processor (DSP), an application specific integrated circuit (ASIC), or a programmable logic device (PLD). The processor 311 may be a combination of two or more elements among the CPU, MPU, DSP, ASIC, and PLD.

  The RAM 312 is used as a main storage device of the host 300. The RAM 312 temporarily stores at least part of an OS (Operating System) program and application programs to be executed by the processor 311. The RAM 312 stores various data necessary for processing by the processor 311.

Peripheral devices connected to the bus 318 include an HDD 313, an image signal processing unit 314, an input signal processing unit 315, a media reader 316, and a communication interface 317.
The HDD 313 magnetically writes and reads data to and from the built-in disk. The HDD 313 is used as an auxiliary storage device of the host 300. The HDD 313 stores an OS program, application programs, and various data. In addition, not only HDD313 but SSD (Solid State Drive) can also be used. As the auxiliary storage device, a semiconductor storage device such as a flash memory can be used.

  The image signal processing unit 314 outputs an image to the display 314 a connected to the host 300 in accordance with an instruction from the processor 311. As the display 314a, any type of display such as a CRT (Cathode Ray Tube) display, a liquid crystal display (LCD), a plasma display, an organic EL (OEL) display, or the like can be used.

  The input signal processing unit 315 acquires an input signal from the input device 315 a connected to the host 300 and outputs it to the processor 311. As the input device 315a, any type of input device such as a mouse, a touch panel, a touch pad, a trackball, a keyboard, a remote controller, and a button switch can be used. A plurality of types of input devices may be connected to the host 300.

  The medium reader 316 is a reading device that reads a program and data recorded on the recording medium 319. As the recording medium 319, for example, a magnetic disk, an optical disk, a magneto-optical disk (MO), a semiconductor memory, or the like can be used. Magnetic disks include flexible disks (FD: Flexible Disk) and HDDs. The optical disc includes a CD (Compact Disc) and a DVD (Digital Versatile Disc).

  For example, the medium reader 316 copies the program and data read from the recording medium 319 to another recording medium such as the RAM 312 and the HDD 313. The read program is executed by the processor 311, for example. Note that the recording medium 319 may be a portable recording medium and may be used for distribution of programs and data. The recording medium 319 and the HDD 313 may be referred to as computer-readable recording media.

  The communication interface 317 is connected to the database 320 and the network 410. The communication interface 317 transmits / receives data to / from other computers, storage devices, or communication devices. The database 320 stores various types of information and can use the information by searching, extracting, or the like, and a storage system or the like may be used.

  With the hardware configuration described above, the processing functions of the host 300 of the second embodiment can be realized. The information processing apparatus 30 according to the first embodiment can also be realized by the hardware configuration of the host 300 illustrated in FIG.

In addition, said structure is an example and the combination of a structure part can be determined suitably. For example, unnecessary ones of the above configurations may be deleted.
The host 300 implements the processing functions of the second embodiment by executing a program recorded on a computer-readable recording medium, for example. A program describing the processing contents to be executed by the host 300 can be recorded in various recording media. For example, a program to be executed by the host 300 can be stored in the HDD 313. The processor 311 loads at least a part of the program in the HDD 313 into the RAM 312 and executes the program. In addition, a program to be executed by the host 300 can be recorded on a portable recording medium such as an optical disc, a memory device, or a memory card. The program stored in the portable recording medium becomes executable after being installed in the HDD 313 under the control of the processor 311, for example. The processor 311 can also read and execute the program directly from the portable recording medium.

Next, the ATM of the second embodiment will be described with reference to FIG. FIG. 4 is a diagram illustrating an example of the hardware configuration of the ATM according to the second embodiment.
The ATM 100 includes a control unit 110, a display 120a, a touch panel 120b, a card / receipt processing unit 130a, a passbook processing unit 140a, a coin processing unit 150a, a banknote processing unit 160a, a numeric keypad processing unit 170a, and an interpersonal sensor. And a control unit 175a.

  The control unit 110 includes a processor 111, a RAM 112, a first HDD 113a, a second HDD 113b, an external communication interface 114, a display processing unit 115, a touch panel processing unit 116, and an I / O (Input / Output) control unit 117, each of which includes a bus 118. Connected through.

  The processor 111 controls the overall operation of the ATM 100. The processor 111 is, for example, a CPU or MPU. The processor 111 stores transaction history information including the banknote type and serial number (number for identifying banknotes) acquired via the banknote processing unit 160a in a storage unit such as the first HDD 113a or the second HDD 113b. Further, the processor 111 transmits transaction history information to the host 300.

  The RAM 112 temporarily stores at least part of an OS program and application programs to be executed by the processor 111. The RAM 112 stores various data necessary for processing by the processor 111.

  The first HDD 113a and the second HDD 113b can store an OS, application programs, transaction history information, and the like. The first HDD 113a and the second HDD 113b are duplexed for system protection, but may be configured by only one of them. The first HDD 113a and the second HDD 113b can be replaced with other storage devices such as an SSD.

  The external communication interface 114 is connected to an external network 410 and transmits / receives data to / from the host 300 or the like. The external communication interface 114 can transmit and receive a personal identification number and transaction information to the host 300.

  A display 120 a is connected to the display processing unit 115. The display 120a constitutes the customer operation unit 120 together with the touch panel 120b. The display processing unit 115 displays various information such as operation guidance on the screen of the display 120a under the control of the processor 111.

  A touch panel 120b is connected to the touch panel processing unit 116. The touch panel 120b is formed in the upper layer of the display 120a. The touch panel processing unit 116 detects the position on the screen where the customer's finger touches or approaches the touch panel 120b, and notifies the processor 111 of it.

  Connected to the I / O control unit 117 are a card / receipt processing unit 130a, a passbook processing unit 140a, a coin processing unit 150a, a banknote processing unit 160a, a numeric keypad processing unit 170a, and an interpersonal sensor control unit 175a. Under the control of the processor 111, the I / O control unit 117 notifies each connected unit of an instruction from the processor 111 and sends information acquired from each unit to the processor 111 via the bus 118.

  The card / receipt processing unit 130a is provided in the card / receipt unit 130, and controls card taking-in and discharging and receipt discharging. Further, the card / receipt processing unit 130a reads magnetically recorded information (account number and the like) attached to the taken-in card. The card / receipt processing unit 130a also has a function of performing printing or the like, and can print characters and graphics. The card / receipt processing unit 130a can discharge not only the card but also the statement slip (receipt) on which the transaction content is printed.

  The passbook processing unit 140a is provided in the passbook processing unit 140 and controls the taking in and discharging of the passbook. Moreover, the passbook processing unit 140a reads the magnetically recorded information (account number etc.) attached to the taken passbook. The passbook processing unit 140a also has a function of printing on the passbook, and can pass the passbook.

The coin processing unit 150a is provided in the coin processing unit 150, and controls deposit / withdrawal of coins and opening / closing of the door in accordance with instructions from the processor 111.
The banknote processing unit 160a is provided in the banknote processing unit 160 and controls deposit / withdrawal of banknotes and opening / closing of the door in accordance with instructions from the processor 111. The banknote processing unit 160a has a function of reading the type and serial number of banknotes. The banknote processing unit 160a reads the serial number of the banknotes withdrawn / withdrawn at the time of deposit / withdrawal and outputs them to the processor 111.

  The card / receipt processing unit 130a, the passbook processing unit 140a, the coin processing unit 150a, and the banknote processing unit 160a each have a function of storing a medium that the customer forgets to take. Further, the card / receipt processing unit 130a, the passbook processing unit 140a, the coin processing unit 150a, and the banknote processing unit 160a are provided with one or more slots that are areas for storing media that have been forgotten. Each slot is identified by a number (slot number) that identifies the slot.

  The ten key processing unit 170a is provided in the ten key input unit 170, and outputs information on a button pressed by the customer. The information on the button pressed by the customer may include a password, information used in financial transactions, and the like. The interpersonal sensor control unit 175a controls an interpersonal sensor that detects the approach of a person, and detects that a customer has approached the ATM 100. Note that the illustration of the interpersonal sensor is omitted.

The portable recording medium 180 is a recording medium such as a DVD or a CD. The portable recording medium 180 can store transaction history information and the like.
With the hardware configuration described above, the processing functions of the present embodiment can be realized. In addition, said structure is an example and the combination of the structure part of ATM100 can be determined suitably. Of the above configuration, unnecessary ones may be deleted, for example, a biometric authentication unit using a palm vein or a finger vein, a non-contact IC unit corresponding to a non-contact IC (Integrated Circuit), or the like may be added. .

Next, the hardware configuration of the customer terminal according to the second embodiment will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a hardware configuration of a customer terminal according to the second embodiment.
The customer terminal 200 includes a wireless communication unit 201, a processor 202, a RAM 203, a nonvolatile memory 204, a display 205, a touch panel 206, a speaker 207a, a microphone 207b, a GPS (Global Positioning System) receiver 208, and a biological sensor 211. Each of the above units is connected to the bus 209.

  The wireless communication unit 201 is a wireless communication interface that is connected to a base station or access point belonging to the network 410 via a wireless link and performs wireless communication. The wireless communication unit 201 can communicate with other computers via a base station or an access point. Examples of wireless communication standards to which the wireless communication unit 201 conforms include W-CDMA (Wideband-Code Division Multiple Access), LTE (Long Term Evolution), IEEE (Institute of Electrical and Electronics Engineers) 802.11, and the like. . However, the customer terminal 200 may include a wired communication interface connected to the communication device with a cable instead of the wireless communication unit 201 or together with the wireless communication unit 201.

Similar to the processor 311 of the host 300, the processor 202 is a processor including an arithmetic circuit that executes program instructions.
Similar to the RAM 312 of the host 300, the RAM 203 is a volatile semiconductor memory that temporarily stores programs executed by the processor 202 and data used by the processor 202 for operations.

  The nonvolatile memory 204 is a nonvolatile storage device that stores various software programs and data. As the nonvolatile memory 204, for example, a flash memory or an SSD can be used. The stored program may include an application program that performs processing in cooperation with the host 300. The customer terminal 200 may include another type of storage device such as an HDD.

  The display 205 displays an image such as an operation screen in response to an instruction from the processor 202. As the display 205, for example, an LCD or an organic EL display can be used.

  The touch panel 206 is an input device that receives input from a user. The touch panel 206 is installed over the display 205. The touch panel 206 detects a user's touch operation on the screen displayed on the display 205 and notifies the processor 202 of the touch position. As a method for detecting the touch position, an arbitrary method such as a resistance film method or a capacitance method can be used. Note that the customer terminal 200 may include another input device such as a keypad instead of the touch panel 206 or together with the touch panel 206.

  The speaker 207a acquires an electrical signal as an audio signal from the processor 202, converts it into physical vibration, and reproduces the sound. For example, when the user is making a call, the other party's voice and background noise are reproduced. The microphone 207 b converts the physical vibration of sound into an electrical signal and outputs an electrical signal as an audio signal to the processor 202. For example, when the user is making a call, the user's voice and background noise are input from the microphone 207b.

  The GPS receiver 208 receives GPS signals from each of a plurality of GPS satellites, and calculates the current position of the customer terminal 200 using the received GPS signals. The GPS signal includes the time when the GPS satellite transmits the GPS signal. The current position can be calculated based on a difference in transmission time of GPS signals from a plurality of GPS satellites. The current position can be expressed by, for example, longitude, latitude, and altitude.

  The biometric sensor 211 has a function of performing biometric authentication. Biometric authentication includes fingerprint authentication, iris authentication, vein authentication, voiceprint authentication, face authentication, and the like. The biometric sensor 211 is an example of hardware having a function of performing biometric authentication, and other functions may be substituted. For example, when the customer terminal 200 includes an image acquisition unit such as a camera, image data (user fingerprint image data, iris image data, face image data, etc.) is acquired by the camera, and the acquired image data Fingerprint authentication, iris authentication, and face authentication can be performed by the control unit (processor 202). In addition, the customer terminal 200 can acquire the user's voice data via the microphone 207b, and the control unit (processor 202) can perform voiceprint authentication of the acquired voice data.

  The above hardware configuration is an example of the customer terminal 200, and the combination of the components is appropriately determined. Of the above hardware configurations, unnecessary ones may be deleted. Note that the mobile terminal 20 of the first embodiment can also be realized by the hardware configuration of the customer terminal 200 shown in FIG.

Next, an example of functions of the information processing system according to the second embodiment will be described with reference to FIG. FIG. 6 is a diagram illustrating an example of functions of the information processing system according to the second embodiment.
The ATM 100 includes a control unit 110 and a storage unit 190. The control unit 110 is realized by the processor 111. Specifically, the processor 111 exhibits the function of the control unit 110 by executing a program stored in the RAM 112. However, the control unit 110 may be realized by a hard wired logic such as an ASIC. The storage unit 190 is realized using the storage area of the RAM 112 and the storage areas of the first HDD 113a and the second HDD 113b. The storage unit 190 stores financial transaction history information, a message to be transmitted to the host 300, and the like.

  The control unit 110 detects forgetting to remove the medium via any of the card / receipt processing unit 130a, the passbook processing unit 140a, the coin processing unit 150a, and the banknote processing unit 160a, and takes in the forgotten medium. The control unit 110 sends a message to the host 300 that a forgetful medium has occurred. The control unit 110 receives a temporary password from the customer via the numeric keypad processing unit 170a, and requests the host 300 to authenticate the received temporary password. Note that the control unit 110 may accept a temporary password not only via the numeric keypad processing unit 170a but also via the touch panel 120b. When the authentication of the temporary password is permitted, the control unit 110 discharges the medium stored in any one of the card / receipt processing unit 130a, the passbook processing unit 140a, the coin processing unit 150a, and the banknote processing unit 160a, and collects it. Return the forgotten media to the customer.

  The host 300 includes a control unit 310 and a storage unit 390. The control unit 310 is realized by the processor 311. Specifically, the processor 311 exhibits the function of the control unit 310 by executing a program stored in the RAM 312. However, the control unit 310 may be realized by a hard wired logic such as an ASIC. The storage unit 390 is realized using the storage area of the RAM 312 and the storage area of the HDD 313. The control unit 310 performs information communication with the ATM 100 and the customer terminal 200. Storage unit 390 temporarily stores information for transmission and reception. The storage unit 390 stores password management information. The personal identification number management information is information for managing the personal identification number and the account number, which are authentication information when executing normal transaction processing (accounting financial transaction processing such as deposit / withdrawal, transfer, transfer, etc.) and the account number. However, illustration is abbreviate | omitted.

  The host 300 is a computer used in a financial institution, and can manage the ATM 100 and can also execute accounting processing. The host 300 also has a function of notifying a customer who is the owner of a medium left out when the medium left out is generated in the ATM 100. The control unit 310 notifies the control unit 210 of the customer terminal 200 that a medium to forget has occurred.

  The host 300 may execute all of the temporary password authentication, the password authentication, and the accounting-type financial transaction processing, or the processing of the host 300 may be shared and executed by a plurality of computers.

  The customer terminal 200 includes a control unit 210, a display unit 220, and a storage unit 290. The control unit 210 is realized by the processor 202. Specifically, the processor 202 exhibits the function of the control unit 210 by executing a program stored in the RAM 203. However, the control unit 210 may be realized by a hard wired logic such as an ASIC. The display unit 220 has a function of displaying information, and is realized by the display 205. The storage unit 290 is realized using a storage area such as the RAM 203. The control unit 210 performs information communication with the host 300. Storage unit 290 stores information for transmission and reception. The control unit 210 stores the information received from the control unit 310 in the storage unit 290 and causes the display unit 220 to display the information.

Next, an example of customer management information according to the second embodiment will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of customer management information according to the second embodiment.
The customer management information 500 is information for managing a customer who opened an account in a financial institution. The customer management information 500 is information stored in the storage unit 390 of the host 300. The customer management information 500 is information that is appropriately referred to by the host 300. The host 300 refers to the customer management information 500 when transmitting a notification that the forgotten medium has occurred, obtains a telephone number and an email address corresponding to the account number of the transaction in which the forgotten medium has occurred, A notification is sent to 200.

  The customer management information 500 includes items of a customer number, a holding account, a customer name, a telephone number, an e-mail address, and a medium forgetting contact. The customer management information 500 includes information such as the customer's address, but the description is omitted. In the management number field, identification information for managing each customer included in the customer management information 500 is registered. The retained account item includes one or more account number items (account number (1), account number (2),...). In the items of account number (1), account number (2),..., Numbers for identifying accounts held by customers are registered. When the customer has one account, the account number is registered only in the account number (1). In the following description, it is assumed that the customer has one account number, and the number for identifying the account held by the customer is simply referred to as an account number. The customer's name is registered in the customer name item. In the telephone number field, the telephone number of the customer is registered. In the mail address field, the mail address that is the customer's contact information is registered.

  In the “forget medium contact” item, information indicating the necessity of contact when a customer forgets the medium in the ATM 100 is registered. When the medium forgetting communication is “necessary”, when the customer forgets the medium, the host 300 sends a notification to the customer terminal 200 that the medium has been forgotten. When the forgetting medium notification is “NO”, the host 300 does not transmit a notification to the customer terminal 200 that the medium has been forgotten.

  For example, in the customer management information 500, the customer number is “AA001”, the account number is “123456”, the customer name is “Ichiro Tanaka”, the telephone number is “03-987-6543”, and the mail address is “aaa @ bbb. com ”and information“ necessary ”for forgetting to contact the medium are registered.

  This is because, for the entry with the customer number “AA001”, the account number of the account held by the customer is “123456”, and for the customer whose name is “Ichiro Tanaka”, the customer's telephone number is “03-987-6543”. The mail address is “aaa@bbb.com”, and indicates that the customer notifies the ATM 100 that the medium is forgotten (contact forgetting the medium is “necessary”).

Next, an example of temporary password management information according to the second embodiment will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of temporary password management information according to the second embodiment.
Temporary password management information 510 is information for managing notifications and temporary passwords (one-time passwords) for customers who have forgotten to remove media in the ATM 100. The temporary password management information 510 is information stored in the storage unit 390 of the host 300.

The temporary password management information 510 includes items of management number, temporary password, transmission date and time, valid time, account number, medium storage ATM, medium type, and medium storage slot number.
In the management number item, identification information for managing each entry included in the temporary password management information 510 is registered. In the temporary password field, a temporary password that is input when the medium is removed from the ATM 100 is registered. The temporary password is generated by the host 300. Registered in the item of transmission date and time is the date and time when the notification that the forgetting of the medium has occurred and the temporary password are transmitted from the host 300 to the customer terminal 200. In the effective time item, the effective time of the temporary password is registered. Specifically, the valid time is a period from the start date (starting date and time) when the temporary password becomes valid to the transmission date and time until the temporary password becomes invalid. The valid time is a value set individually by the host 300. In the account number field, an account number corresponding to a medium forgotten by the ATM 100 is registered. In the medium storage ATM item, identification information of the ATM 100 storing the medium forgotten by the customer is registered. In the medium type item, the type of the medium stored in the ATM 100 is registered. As the medium type, for example, a card, a passbook, a cash denomination and the number of sheets are registered. In the medium storage slot number item, a number for identifying a slot storing a medium in the ATM 100 is registered. The host 300 registers the account number, medium type, and medium storage slot number included in the medium storage message received from the ATM 100 in the corresponding items of the temporary password management information. Further, the host 300 registers the identification information of the ATM 100 that is the transmission source of the medium storage message in the item of the medium storage ATM.

  For example, in the temporary password management information 510, the management number is “P01”, the temporary password is “32PW4321”, the transmission date and time is “2018/2/28 10:12:00”, the valid time is “30 minutes”, the account number Is registered as “123456”. In the temporary password management information 510, information that the medium storage ATM is “M032”, the medium type is “card”, and the medium storage slot number is “1” is registered.

  For the entry of the management number “P01”, the temporary password input when the customer acquires the medium is “32PW4321”, and the transmission date and time of notification to the customer terminal 200 is “February 28, 2018 10:12”. Minutes ", indicating that the effective time of the temporary password is" 30 minutes "from the transmission date and time. Further, the account number corresponding to the medium to be removed is “123456”, the identification information of the ATM 100 storing the medium is “M032”, the medium type of the medium to be removed is “card”, and the card / receipt processing unit 130a. It indicates that the slot number storing the card at “1” is “1”.

Next, an example of the notification screen according to the second embodiment will be described with reference to FIG. FIG. 9 is a diagram illustrating an example of a notification screen according to the second embodiment.
The notification screen 600 is an example of a screen in which the host 300 notifies the customer terminal 200 that the medium has been forgotten. The notification screen 600 is a screen displayed on the display unit 220 of the customer terminal 200. The notification screen 600 is an example of displaying that there is something left behind in the ATM 100 in the notification area of the smartphone, and other displays may be used. For example, in the notification screen 600, the temporary password for acquiring the forgotten medium and the effective time of the temporary password are notified, and after the effective time elapses, it is notified that the procedure for returning the forgotten medium is necessary at the window. Also good.

Next, an example of a contact screen according to the second embodiment will be described with reference to FIG. FIG. 10 is a diagram illustrating an example of a contact screen according to the second embodiment.
The contact screen 610 is an example of a screen that displays notification contents when the host 300 notifies the customer terminal 200 that the medium has been forgotten to be removed. The contact screen 610 is a screen displayed on the display unit 220 of the customer terminal 200.

  The contact screen 610 includes a notification that the customer has forgotten to take the medium at the ATM 100 and an instruction to input a temporary password (one-time password) for the customer himself to acquire the medium at the ATM 100. It is only an example of the content and may include other information. For example, the contact screen 610 may be a display including the installation location of the ATM 100 (for example, the location of a branch of a financial institution, the location of installation in an ATM installation area of the branch) where the customer has forgotten to take the medium. Further, the contact screen 610 may be a display that displays the business hours of the ATM 100 and includes a note about the time during which the customer can acquire the media that he or she has forgotten from the ATM 100.

Next, an example of the normal transaction selection screen according to the second embodiment will be described with reference to FIG. FIG. 11 is a diagram illustrating an example of a normal transaction selection screen according to the second embodiment.
The normal transaction selection screen 700 is an example of a screen displayed when the ATM operation mode is the normal mode. The normal transaction selection screen 700 is a screen displayed on the display 120a when the ATM 100 detects a customer via the interpersonal sensor control unit 175a. The normal transaction selection screen 700 is a screen on which buttons for selecting financial transactions handled by the ATM 100 are displayed. The ATM 100 detects a press of a button for selecting a transaction from the customer via the touch panel 120b, and executes the selected transaction.

  Here, the ATM operation mode will be described. In the storage unit 190 of the ATM 100, an ATM operation mode for setting the operation of the ATM 100 is stored. The ATM operation mode is a normal mode in the initial state. When the ATM 100 detects a forgotten medium and stores the medium in the ATM 100, the ATM operation mode is set to the medium return mode.

Next, an example of the medium return selection screen according to the second embodiment will be described with reference to FIG. FIG. 12 is a diagram illustrating an example of a medium return selection screen according to the second embodiment.
The medium return selection screen 710 is an example of a screen displayed when the ATM operation mode is the medium return mode. The medium return selection screen 710 is a screen displayed on the display 120a when the ATM 100 detects the customer via the interpersonal sensor control unit 175a and the ATM operation mode is the medium return mode. The medium return selection screen 710 is a screen on which a button for selecting a medium return operation (medium return button) is displayed in addition to a button for selecting a transaction displayed on the normal transaction selection screen 700. The ATM 100 detects pressing of a button for selecting a transaction via the touch panel 120b, and executes the selected transaction.

Next, medium storage processing executed by the ATM of the second embodiment will be described with reference to FIG. FIG. 13 is a diagram illustrating a flowchart of medium storage processing according to the second embodiment.
The medium storage process is a process of storing a medium when the ATM 100 performs a transaction operation received from a customer and detects that the medium used for the transaction is forgotten. The control part 110 (processor 111) of ATM100 detects a customer via the interpersonal sensor control unit 175a, and performs a medium storage process.

  [Step S11] The control unit 110 detects a customer via the interpersonal sensor control unit 175a, and displays a normal transaction selection screen 700 on the display 120a. In addition, the control unit 110 receives a transaction selection via the touch panel 120b and displays an instruction to insert a medium on the display 120a.

In this step, it is assumed that the ATM operation mode stored in the storage unit 190 is in the initial state (normal mode).
[Step S12] The control unit 110 detects the insertion of a medium via the card / receipt processing unit 130a or the passbook processing unit 140a. The control unit 110 reads the account number from the inserted medium (card, passbook).

  [Step S13] The control unit 110 receives a password entered by the customer via the touch panel 120b or the numeric keypad processing unit 170a, generates a password reception message, and transmits it to the host 300. The personal identification number reception message is a message for requesting authentication of the personal identification number from the ATM 100 to the host 300 when performing a financial transaction. The personal identification number reception message includes a personal identification number and an account number.

  [Step S14] The control unit 110 receives the personal identification number permission response message from the host 300, and executes the transaction selected by the customer in step S11. The PIN code permission response message is a message generated by the host 300 and transmitted to the ATM 100, and is a message notifying that the authentication of the password transmitted by the ATM 100 to the host 300 is permitted. In addition, description is abbreviate | omitted about the detail of the transaction selected from the customer.

When the control unit 110 receives a password non-permission response message, which is a notification that the authentication of the password is not permitted, from the host 300, the control unit 110 ends the process without executing the transaction.
[Step S15] After executing the transaction selected by the customer, the control unit 110 discharges the inserted medium (card or passbook) via the card / receipt processing unit 130a or the passbook processing unit 140a. In the case of a withdrawal transaction, the control unit 110 discharges the medium (cash) through one of the coin processing unit 150a and the banknote processing unit 160a.

  [Step S16] The control unit 110 determines whether or not forgetting to remove the medium is detected via any one of the card / receipt processing unit 130a, the passbook processing unit 140a, the coin processing unit 150a, and the banknote processing unit 160a. To do. When the controller 110 detects that the medium has been forgotten, the controller 110 proceeds to step S17. For example, if the customer performs a withdrawal transaction using the card and the customer forgets to acquire the card, the control unit 110 detects that the card has been forgotten via the card / receipt processing unit 130a, Proceed to step S17. If the controller 110 does not detect forgetting to remove the medium, the process ends.

  [Step S17] The control unit 110 determines whether or not a medium has been acquired via the unit that has detected that the medium has been forgotten in step S16. If the control unit 110 does not detect that the medium has been acquired, the control unit 110 proceeds to step S18. If the medium has been acquired, the control unit 110 ends the process.

  [Step S18] The control unit 110 determines whether or not a predetermined time (for example, 1 minute) has elapsed in a state where the medium is forgotten. The control unit 110 returns to step S17 if the predetermined time has not elapsed, and proceeds to step S19 if the predetermined time has elapsed.

  [Step S19] The control unit 110 instructs the unit that detected forgetting to remove the medium in Step S16 to store the forgotten medium. The unit that received the instruction from the control unit 110 stores the medium that has been forgotten and notifies the control unit 110 of the slot number.

  [Step S20] The control unit 110 generates a medium storage message and transmits it to the host 300. The medium storage message is a message for the control unit 110 to notify the host 300 that a medium to forget has occurred. In the medium storage message, identification information for identifying the ATM 100 storing the medium that was forgotten, the type of the stored medium (card, bankbook, cash denomination), the account number where the transaction operation was performed, and the medium were stored Contains the slot number. The account number on which the transaction operation is performed is, for example, the account number of the account specified by the card that has performed the withdrawal transaction (the account number recorded on the card) when performing the withdrawal transaction using the card.

[Step S21] The control unit 110 sets the ATM operation mode stored in the storage unit 190 to the medium return mode, and ends the process.
Next, a medium return process executed by the ATM of the second embodiment will be described with reference to FIG. FIG. 14 is a diagram illustrating a flowchart of medium return processing according to the second embodiment.

  The medium return process is a process for returning a medium when an operation for acquiring the medium to be removed is selected when the ATM 100 stores a medium forgotten to be removed. The control part 110 (processor 111) of ATM100 detects a customer via the interpersonal sensor control unit 175a, and performs a medium return process.

  [Step S31] The control unit 110 determines whether or not the ATM operation mode stored in the storage unit 190 is the medium return mode. The control unit 110 proceeds to step S32 when the ATM operation mode is the medium return mode, and proceeds to step S43 when the ATM operation mode is not the medium return mode (in the normal mode).

[Step S32] The control unit 110 displays a medium return selection screen 710 on the display 120a.
[Step S <b> 33] The control unit 110 determines whether or not an operation for acquiring a forgotten medium is selected. When the operation for acquiring the forgotten medium is selected, in other words, when the control unit 110 detects that the medium return button is pressed via the touch panel 120b, the control unit 110 proceeds to step S34. Control unit 110 proceeds to step S44 when the operation for acquiring the medium to be removed is not selected, in other words, when the pressing of the button for selecting the normal transaction processing operation is detected via touch panel 120b.

[Step S34] The control unit 110 displays a temporary password input screen on the display 120a.
[Step S35] The controller 110 determines whether or not a temporary password has been accepted via the numeric keypad processing unit 170a or the touch panel 120b. The control unit 110 proceeds to step S36 when receiving an input of a temporary password, and ends the process when not receiving an input of a temporary password for a predetermined time (for example, 3 minutes).

  [Step S <b> 36] The control unit 110 generates a temporary password acceptance message and transmits it to the host 300. The temporary password acceptance message is a message that notifies the host 300 that the ATM 100 has accepted the temporary password. The temporary password acceptance message includes identification information for identifying the ATM 100 that has accepted the temporary password, and the temporary password received in step S35.

  [Step S37] The control unit 110 determines whether or not a temporary password permission response message has been received from the host 300. The control unit 110 proceeds to step S41 when the temporary password permission response message is not received from the host 300, in other words, when the temporary password non-permission response message is received from the host 300. When the controller 110 receives the temporary password permission response message from the host 300, it proceeds to step S38.

  The temporary password permission response message is a message generated by the host 300 and transmitted to the ATM 100, and is a message notifying that the temporary password included in the temporary password reception message transmitted from the ATM 100 is permitted. The temporary password permission response message includes information indicating that the temporary password is permitted, the medium type of the medium to be removed, and the medium storage slot number. The temporary password non-permission response message is a message generated by the host 300 and transmitted to the ATM 100, and a message notifying that the temporary password included in the temporary password reception message transmitted from the ATM 100 is not permitted.

[Step S38] The control unit 110 displays a password input screen on the display 120a.
[Step S39] The control unit 110 receives a password through the numeric keypad unit 170a or the touch panel 120b, generates a password reception message, and transmits it to the host 300. The personal identification number received in this step is a personal identification number (password) used in normal transaction processing, and is different from the temporary personal identification (one-time password) accepted in step S35.

  The personal identification number reception message is a message that notifies the host 300 that the ATM 100 has received the personal identification number. The personal identification number reception message includes identification information for identifying the ATM 100 that has received the personal identification number and the personal identification number received in this step.

  [Step S <b> 40] The control unit 110 determines whether a personal identification number permission response message has been received from the host 300. The control unit 110 proceeds to step S41 when it does not receive the personal identification number permission response message from the host 300, in other words, when it receives the personal identification number disapproval response message from the host 300. When the control unit 110 receives the password permission response message from the host 300, the control unit 110 proceeds to step S42.

  The personal identification number permission response message is a message generated by the host 300 and transmitted to the ATM 100, and is a message notifying that the personal identification number included in the personal identification number reception message transmitted from the ATM 100 is permitted. The password non-permission response message is a message generated by the host 300 and transmitted to the ATM 100, and is a message for notifying that the password included in the password reception message transmitted from the ATM 100 is not permitted.

  [Step S41] The control unit 110 displays on the display 120a that the medium cannot be discharged, and ends the process. The control unit 110 displays, for example, a message such as “The valid time of the input temporary password has passed. Please perform the procedure for receiving the forgotten media at the window” on the display 120a, and the processing ends. .

  [Step S42] The control unit 110 discharges the forgotten medium according to the temporary password permission response message. For example, if the medium type included in the temporary password permission response message is “card” and the medium storage slot number is “1”, the card stored in the slot of slot number 1 of the card / receipt processing unit 130a is ejected. To do. The control unit 110 ejects the medium and ends the process.

[Step S43] The control unit 110 displays the normal transaction selection screen 700 on the display 120a, and accepts a transaction selection via the touch panel 120b.
[Step S44] The control unit 110 executes a normal transaction process accepted via the touch panel 120b, and ends the process. In addition, description is abbreviate | omitted about the detail of a normal transaction process.

  In this way, when the forgotten medium is stored in the ATM 100, the control unit 110 ejects the forgotten medium when the authentication of the temporary password and the personal identification number is permitted. Can be improved.

Next, host processing executed by the host according to the second embodiment will be described with reference to FIG. FIG. 15 is a diagram illustrating a flowchart of host processing according to the second embodiment.
The host processing is processing of the host 300 when a message is received from the ATM 100. The control unit 310 (processor 311) of the host 300 receives a message from the ATM 100 and executes processing. The host 300 also performs normal transaction processing (accounting transaction processing such as deposit / withdrawal, transfer, and transfer) in response to a request from the ATM 100, but a description thereof is omitted.

  [Step S51] The control unit 310 determines a message received from the ATM 100. When the medium storage telegram is received from the ATM 100, the control unit 310 proceeds to step S52. When the temporary password accepting message is received from the ATM 100, the control unit 310 proceeds to step S55. The control part 310 progresses to step S60, when a PIN code reception message | telegram is received from ATM100.

  [Step S52] The control unit 310 generates a temporary password and sets a valid time for the temporary password. Note that any method may be used to generate the temporary password. For example, a method using an algorithm of a one-way function, a method of obtaining a random number using identification information of the ATM 100 storing the medium, or another method may be used.

  Here, a method for setting the effective time for the temporary password will be described. In addition, although the 1st method, the 2nd method, and the 3rd method are demonstrated as a setting method of effective time, these methods are only examples and other methods may be sufficient.

  As a first method, there is a method of setting an effective time according to the distance between the customer terminal 200 and the ATM 100. It is assumed that an application (hereinafter referred to as an application) for receiving service provision from a financial institution is installed in the customer terminal 200 in advance. When the medium storage message is received from the ATM 100, the control unit 310 performs information communication with the application of the customer terminal 200 of the customer corresponding to the account number included in the medium storage message, and acquires the position of the customer terminal 200. The control unit 310 obtains the distance between the position of the ATM 100 and the position of the customer terminal 200 stored in advance in the storage unit 390, and sets the valid time according to the distance. For example, when setting the effective time of 15 minutes for each 1 km distance, the control unit 310 sets the effective time as 30 minutes when the distance between the position of the ATM 100 and the position of the customer terminal 200 is 2 km.

  As a second method, there is a method of setting a predetermined time from the next business start time as an effective time when a medium is forgotten at a time immediately before the ATM 100 is closed. The control unit 310 determines whether the time when the medium storage message is received from the ATM 100 is within a predetermined time before the ATM 100 is closed (for example, within 10 minutes before the closing). If it is within a predetermined time before the end of business, control unit 310 sets the effective time as the effective time from the next business start time of ATM 100 to a predetermined time (for example, 30 minutes from the next business start time).

  As a third method, there is a method of setting a predetermined time as an effective time when the time is within the business hours of the ATM 100 and not the time immediately before the end of business. Control unit 310 sets a predetermined time (for example, 1 hour) predetermined in storage unit 390 as an effective time.

  As described above, the control unit 310 sets the valid time according to the situation, so that the time for the customer to return to the medium can be secured and the management burden on the ATM 100 in the financial institution can be reduced. Since there is an upper limit to the number of media that can be held in the ATM 100 (the number of slots in each unit), it is necessary for the financial institution staff to take out the media taken into the ATM 100. By setting the valid time for the temporary password, the control unit 310 can limit the time that the ATM 100 holds the medium. As a result, it is possible to manage the time for the staff of the financial institution to take out the medium from the ATM 100.

  [Step S53] The control unit 310 reads the customer management information 500, and if the forgetting medium notification included in the entry corresponding to the account number included in the medium storage telegram is “necessary”, the control unit 310 provides a temporary password together with the forgetting medium notification. It transmits to the customer terminal 200.

  For example, the control unit 310 generates information to be displayed on the contact screen 610 and transmits it to the customer terminal 200. In addition, the control part 310 can also transmit a simple message like the information displayed on the notification screen 600, when the upper limit of the number of characters of the information transmitted to the customer terminal 200 has a restriction | limiting.

  The control unit 310 reads the customer management information 500, and when the forgetting medium notification included in the entry corresponding to the account number included in the medium storage telegram is “No”, the forgetting medium notification is not transmitted.

  [Step S <b> 54] The control unit 310 adds an entry to the temporary password management information 510. Specifically, the control unit 310 sets a management number in the temporary password management information, and registers the transmission date and time transmitted to the customer terminal 200 in step S53 and information (account number) corresponding to the destination customer terminal 200. . The control unit 310 registers the identification information of the ATM 100 that is the transmission source of the medium storage message in the medium storage ATM. In addition, the control unit 310 registers the temporary password and the valid time generated in step S52 in the temporary password management information 510. The control unit 310 adds an entry to the temporary password management information 510 and ends the process.

  [Step S55] Based on the temporary password management information 510, the control unit 310 determines whether the reception time of the temporary password reception message is within the valid time set for the temporary password included in the temporary password reception message. The controller 310 proceeds to step S56 if it is within the valid time, and proceeds to step S59 if it is not within the valid time.

  [Step S56] Based on the temporary password management information 510, the control unit 310 determines whether the identification information of the transmission source ATM that is the transmission source of the temporary password reception message is the same as the identification information of the medium storage ATM. . The control unit 310 proceeds to step S57 when the identification information of the transmission source ATM and the medium storage ATM is the same, and proceeds to step S59 when the identification information is not the same.

  [Step S57] Based on the temporary password management information 510, the control unit 310 determines whether or not the temporary password included in the temporary password reception message and the temporary password transmitted to the sender ATM (medium storage ATM) are the same. Determine. The control unit 310 proceeds to step S58 if the temporary password is the same, and proceeds to step S59 if not.

  [Step S58] The control unit 310 generates a temporary password permission response message, transmits it to the ATM 100 that is the transmission source of the temporary password reception message, and deletes the entry corresponding to the permitted temporary password from the temporary password management information 510.

[Step S59] The control unit 310 generates a temporary password non-permission response message and transmits it to the ATM 100 that is the transmission source of the temporary password reception message.
[Step S60] Based on the password management information stored in advance in the storage unit 390, the controller 310 stores the account number and password stored in the password reception message and the account number and password stored in advance in the password management information. It is determined whether or not the number is the same. The control unit 310 proceeds to step S61 when the account number and the password are the same, and proceeds to step S62 when they are not the same.

[Step S61] The control unit 310 generates a personal identification number permission response message and transmits it to the ATM 100 that is the transmission source of the personal identification number reception message.
[Step S62] The control unit 310 generates a password non-permission response message and transmits it to the ATM 100 that is the transmission source of the password reception message.

  As described above, when the control unit 310 receives a temporary password from the ATM 100, the controller 310 checks the validity of the temporary password, the effective time of the temporary password, and the identity between the transmission source ATM and the medium storage ATM. It is possible to improve security when determining whether to forget to eject the forgotten medium. In addition, the control unit 310 can prompt the customer to acquire the forgotten medium from the ATM 100 within the valid time by setting the valid time for the temporary password. As a result, it is possible to shorten the time for holding the forgotten media in the ATM 100, and to reduce the labor of the staff who is spent on the management operation of the ATM 100.

In this way, the information processing system 400 can improve security when returning a forgotten medium.
The above processing functions can be realized by a computer. In that case, a program describing processing contents of functions that the automatic transaction apparatus 10, the ATM 100, the portable terminal 20, the customer terminal 200, the information processing apparatus 30, and the host 300 should have is provided. By executing the program on a computer, the above processing functions are realized on the computer. The program describing the processing contents can be recorded on a computer-readable recording medium. Examples of the computer-readable recording medium include a magnetic storage device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. Magnetic storage devices include hard disk devices (HDD), flexible disks (FD), magnetic tapes, and the like. Optical disks include DVD, DVD-RAM, CD-ROM (Compact Disc Read Only Memory) / RW (ReWritable), and the like. Magneto-optical recording media include MO.

  When distributing the program, for example, a portable recording medium such as a DVD or a CD-ROM in which the program is recorded is sold. It is also possible to store the program in a storage device of a server computer and transfer the program from the server computer to another computer via a network.

  The computer that executes the program stores, for example, the program recorded on the portable recording medium or the program transferred from the server computer in its own storage device. The computer reads the program from its own storage device and executes processing according to the program. The computer can also read the program directly from the portable recording medium and execute processing according to the program. In addition, each time a program is transferred from a server computer connected via a network, the computer can sequentially execute processing according to the received program.

  In addition, at least a part of the processing functions described above can be realized by an electronic circuit such as a DSP, ASIC, or PLD.

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 11, 21, 31 Control part 12, 22, 32 Storage part 13 Display reception part 14 Medium processing part 20 Portable terminal 23 Display part 30 Information processing apparatus 35 PIN management information 50 Information processing system

Claims (8)

Receive a media storage notification from the automatic transaction device, which is a notification that the customer has forgotten to store the media
Generate a temporary password,
Set an effective time for the temporary password, which is a time to allow the temporary password as valid authentication information,
Sending notification that the medium has been forgotten and the temporary password to the mobile terminal of the customer,
Receiving the temporary password from the automatic transaction apparatus;
When judging whether or not authentication is permitted for the temporary password received from the automatic transaction apparatus and permitting authentication, a permission notice for discharging the medium is transmitted to the automatic transaction apparatus.
Media return notification method. The temporary password is
Authentication information for discharging the medium stored in the automatic transaction apparatus.
The medium return notification method according to claim 1. The valid time is
At least a predetermined time, a time determined according to the distance between the automatic transaction apparatus and the mobile terminal, or a time determined according to the business hours of the automatic transaction apparatus,
The medium return notification method according to claim 1. When judging whether or not to authenticate the temporary password,
Determining whether the automatic transaction apparatus that is the sender of the temporary password is the same as the automatic transaction apparatus that is the sender of the medium storage notification;
The medium return notification method according to claim 1. When judging whether or not to authenticate the temporary password,
It is determined whether or not the time from the time when the temporary password is transmitted to the portable terminal to the time when the temporary password is received from the automatic transaction apparatus is within the valid time set for the temporary password.
The medium return notification method according to claim 1. When judging whether or not to authenticate the temporary password,
Determining whether the temporary password transmitted to the mobile terminal and the temporary password received from the automatic transaction apparatus are the same;
The medium return notification method according to claim 1. About the temporary password received from the automatic transaction apparatus, the permission of authentication is judged and the authentication is permitted. Further, the personal identification number used in the financial transaction is received from the automatic transaction apparatus, and the personal identification number received from the automatic transaction apparatus is received. When judging whether or not to permit authentication and permitting authentication, a permission notice for discharging the medium is sent to the automatic transaction apparatus.
The medium return notification method according to claim 1. An information processing system including an automatic transaction apparatus and an information processing apparatus,
The automatic transaction apparatus is
A medium processing unit that detects a medium that the customer forgets to take and stores the medium;
A control unit that transmits a medium storage notification to the information processing apparatus, which is a notification that the medium has been stored,
The information processing apparatus includes:
Receiving the media storage notification from the automatic transaction apparatus;
Generate a temporary password,
Set an effective time for the temporary password, which is a time to allow the temporary password as valid authentication information,
Sending notification that the medium has been forgotten and the temporary password to the mobile terminal of the customer,
Receiving the temporary password from the automatic transaction apparatus;
When judging whether to permit or not to authenticate the temporary password received from the automatic transaction apparatus, the controller includes a control unit that transmits an approval notification for discharging the medium to the automatic transaction apparatus.
Information processing system.

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