JP3954614B2 - Trading system - Google Patents

Description

The present invention relates to a transaction system including an automatic teller machine and a portable terminal .

With the spread of cash cards issued by financial institutions, crimes due to illegal use of cash cards are also increasing, which is a social problem. Countermeasures for ensuring the safety of cash cards and the like have been made against such unauthorized use. For example, in Patent Document 1, if the purchase is within the range of the accumulated amount limit of use, payment can be made without entering the code, and if the usage limit is exceeded, the code is entered. A system to do this has been proposed.
JP 2001-43274 A

  As mentioned above, if the usage limit is applied when the accumulated usage amount of the cash card exceeds the limit amount, if the usage amount is accumulated indefinitely, the usage limit amount will be exceeded immediately, which is not realistic. . Therefore, it is necessary to set a period for accumulating the usage amount and determine whether or not the accumulated amount in the period exceeds the limit amount. However, Patent Document 1 does not disclose how to calculate the accumulated usage amount of a cash card, and the system disclosed in Patent Literature 1 cannot calculate an appropriate accumulated usage amount. Therefore, the use restriction of the cash card based on the accumulated use amount cannot be properly performed.

  The present invention has been made in view of the above points, and by setting a period for accumulating the usage amount and comparing whether or not the accumulated usage amount exceeds the limit amount, the accumulated usage amount is compared. The purpose is to properly limit the use of transactions such as withdrawals and transfers based on.

The present invention for solving the above problems is a transaction system including an automatic teller machine and a portable terminal,
The portable terminal is
Limit of cumulative of the transaction in the period indicated by the account information and the period information and the previous SL period information is a withdrawal or transfer indicates a period of accumulating spend transaction from the previous SL account for identifying an account a setting information storing unit for storing said history of transaction information including the transaction date and transaction amount of the transaction from the forehead and front SL account, a wireless communication unit which performs wireless communication with said automated teller machine, the A non-contact having a setting information transmission unit that transmits the account information, the period information, the limit amount, and the history stored in a setting information storage unit to the automatic teller machine via the wireless communication unit A built-in IC card ,
A setting unit that receives input of the period information and the limit amount , and stores the received period information and the limit amount in the setting information storage unit of the non-contact type IC card ;
The automatic teller machine is
A wireless communication unit that performs wireless communication with the wireless communication unit of the contactless IC card built in the portable terminal;
A setting information acquisition request transmitter for transmitting an information acquisition request to the mobile terminal;
A setting information receiving unit that receives the account information transmitted from the mobile terminal in response to the transmitted information acquisition request, the period information, the limit amount, and the history via the wireless communication unit;
A cumulative amount calculation unit that extracts the transaction information in the period indicated by the period information from the history, and calculates a total amount of the transaction amounts included in the extracted transaction information;
A transaction amount input unit for receiving input of a transaction amount in the transaction;
A total amount of the cumulative amount and the transaction amount, and a transaction feasibility determination unit that determines whether the transaction is possible depending on whether the total amount exceeds the limit;
A transaction processing unit that performs processing for the transaction of the account specified by the account information when the transaction is possible;
It shall be provided with.

According to 引Shi stem preparative the present invention, it may be based on the limit stored in the non-contact type IC card incorporated in a mobile terminal, to determine whether the payment. Accordingly, even if the account is illegally withdrawn from the account due to crime, etc., the damage can be suppressed within a predetermined limit.

Moreover, since the limit amount and transaction history are stored in the non-contact type IC card built in the portable terminal , it is not necessary to manage the limit amount of the user with an automatic teller machine or a host computer on the financial institution side. . Therefore, an increase in system cost can be suppressed.

  According to the present invention, a limit amount for a predetermined period can be set.

=== System configuration ===
FIG. 1 is an overall configuration diagram of a withdrawal processing system according to an embodiment of the present invention. As shown in FIG. 1, the withdrawal processing system of the present embodiment includes an ATM (Automatic Teller Machine; An automatic teller machine) 20 and a host computer 30 for depositing and withdrawing from an account in a financial institution are included.

  The mobile terminal 10 is, for example, a computer such as a mobile phone, a PDA (Personal Digital Assistance), or a notebook computer. The portable terminal 10 incorporates a non-contact type IC card in which account information such as a user account number is recorded. The ATM 20 uses the IC card reader / writer to access the non-contact type IC card provided in the portable terminal 10 via the wireless communication path 41 and reads account information stored in the non-contact type IC card. Thus, the mobile terminal 10 can be used as a cash card.

  The host computer 30 is a computer that manages an account of a financial institution, and the ATM 20 and the host computer 30 are communicably connected via a communication path 42. As the communication path 42, for example, the Internet, a LAN (Local Area Network), a WAN (Wide Area Network), a public telephone line, a wireless communication path, a frame relay network, or the like can be used. The ATM 20 processes deposits and withdrawals with respect to the user's account while communicating with the host computer 30.

=== Mobile Terminal 10 ===
FIG. 2 shows a hardware configuration of the mobile terminal 10. As shown in the figure, the mobile terminal 10 includes a CPU 101, a memory 102, an NVRAM (Non Volatile RAM) 103, an input unit 104, a display unit 105, and a non-contact type IC card 106.

  The NVRAM 103 is a storage device that stores programs and data. The CPU 101 implements various functions such as a function of accessing the non-contact type IC card 106 by reading the program stored in the NVRAM 103 into the memory 102 and executing it. The “memory” and “setting information transmission unit” of the present invention are realized as functions of a general non-contact type IC card 106. The input unit 104 is a data input device such as a keypad, a switch, or a microphone. The display unit 105 is a data output device such as a liquid crystal display or a speaker.

  FIG. 3 is a functional block diagram of the mobile terminal 10. As shown in the figure, the mobile terminal 10 includes a setting unit 111, a setting information acquisition request receiving unit 112, a setting information transmitting unit 113, a transaction history update request receiving unit 114, a transaction history updating unit 115, a setting information storage unit 151, A transaction history storage unit 152 is provided.

  The setting information storage unit 151 (corresponding to “account information storage unit” and “limit amount storage unit” of the present invention) is information (hereinafter referred to as “ Account information "), and setting information including a withdrawal limit for a predetermined period. FIG. 4 shows the configuration of the setting information storage unit 151. As shown in the figure, the setting information storage unit 151 is set by the financial institution name, branch name, account type, account number, account name, and other account information, setting period, limit amount, transfer addition flag, and user. Remember the password. The set period (corresponding to “period information” in the present invention) is a predetermined period such as “1 day” or “1 week”. The limit amount is an upper limit value of the accumulated amount of transaction amounts within the set period. The transfer inclusion flag is information indicating whether or not the limit amount includes a transfer. When “◯” is set in the transfer inclusion flag, the above limit amount indicates a limit amount obtained by summing the amount withdrawn with cash and the amount with which the transfer has been made. Further, when “×” is set in the transfer addition flag, the above limit is the limit of withdrawal with cash.

  Of the setting information stored in the setting information storage unit 151, the setting period, the limit amount, and the transfer addition flag can be set by the user. The setting unit 111 receives input of the setting period, the limit amount, and the transfer addition flag, and updates the setting information stored in the setting information storage unit 151. FIG. 5 shows an example of a screen used for setting information update processing.

The setting unit 111 displays a screen 310 shown in FIG. The screen 310 includes a drop-down list 311 for selecting a setting period, a limit input field 312, and a check box 313 for setting a transfer addition flag.
In the drop-down list 311, selection items for the setting period such as “per day”, “per day”, “per week”, “per week”, “per month”, and the like are set. Select one of the following. Instead of the drop-down list 311, an input field for the user to directly input a predetermined number of days, weeks, months, or the like may be provided.

  In the input field 312, the limit amount of withdrawal in the set period is input. In addition, this limit amount is set in the check box 313 as to whether or not to include the amount by transfer.

  When the user presses the “Next” button 314, the setting unit 111 displays a password input screen 320. A password input field 321 is displayed on the screen 320, and the user inputs a password in the input field 321. When the “next” button 322 is pressed, the setting unit 111 determines whether or not the input password matches the password of the setting information. The setting information stored in the setting information storage unit 151 is updated with the set period, limit amount, and transfer addition flag. After updating the setting information, the setting unit 111 displays a screen 323 that displays a message indicating that the setting information has been updated.

  The transaction history storage unit 152 stores a history of transactions related to withdrawal of past users. FIG. 6 shows the configuration of the transaction history storage unit 152. As shown in the figure, the transaction history storage unit 152 has a history (hereinafter referred to as “transaction history”) of information (hereinafter referred to as “transaction information”) including transaction dates and transaction amounts relating to past withdrawals. Is memorized.

The setting information acquisition request receiving unit 112 receives a command for reading setting information (hereinafter referred to as “setting information acquisition request”) transmitted from the ATM 20.
In response to receiving the setting information acquisition request, the setting information transmission unit 113 attaches the transaction history stored in the transaction history storage unit 152 to the setting information stored in the setting information storage unit 151 and transmits it to the ATM 20. To do.
The transaction history update request receiving unit 114 receives a command (hereinafter referred to as “transaction history update request”) transmitted from the ATM 20 and instructing to update the transaction history.

  The transaction history update unit 115 updates the transaction history stored in the transaction history storage unit 152 in response to receiving the transaction history update request. In the present embodiment, a transaction history is set in the transaction history update request, and the transaction history update unit 115 rewrites the transaction history storage unit 152 with the transaction history set in the transaction history update request, whereby the transaction history is updated. Update.

  Each of the storage units 151 to 152 is realized as a storage area provided by the non-contact type IC card 106 (corresponding to “memory” of the present invention). The setting information acquisition request receiving unit 112 is realized as a function of receiving a data acquisition request transmitted from the IC card reader / writer provided by the non-contact type IC card 106. The setting information acquisition request, the transaction history update request, and the like For example, it is realized as a data read request or write request to the non-contact type IC card 106.

=== ATM20 ===
FIG. 7 shows the hardware configuration of the ATM 20. As shown in the figure, the ATM 20 includes a CPU 201, a memory 202, a storage device 203, a touch panel display 204, an IC card reader / writer 205, a communication interface unit 206, and a bill discharge unit 207.

  The storage device 203 is, for example, a hard disk, a flash memory, an optical disk, a magneto-optical disk, or a semiconductor storage device that stores programs and data. The CPU 201 implements the function as the ATM 20 by reading the program stored in the storage device 203 into the memory 202 and executing it.

  The touch panel display 204 is a display device such as a liquid crystal or a CRT provided with a touch panel, and also functions as an input device. The IC card reader / writer 205 communicates with the non-contact type IC card 106 built in the portable terminal 10 via the wireless communication path 41 to read / write data from / to the non-contact type IC card 106 ( This corresponds to the “wireless communication unit” of the present invention). The communication interface 206 is an interface connected to the communication path 42. The ATM 20 communicates with the host 30 of the financial institution via the communication interface 206, and performs processing such as withdrawal from an account. The banknote discharge unit 207 is a cash deposit / withdrawal port at the time of deposit / withdrawal.

  FIG. 8 shows a functional block diagram of the ATM 20. As shown in the figure, the ATM 20 includes a setting information acquisition request transmission unit 211, a setting information reception unit 212, a history extraction unit 213, a cumulative amount calculation unit 214, a transaction amount input unit 215, a withdrawal allowance determination unit 216, a personal identification number. An input unit 217, an account withdrawal request transmission unit 218, an account processing result reception unit 219, a cash discharge processing unit 220, a transaction history update request transmission unit 221, and an error message display unit 222 are provided.

The setting information acquisition request transmission unit 211 transmits a setting information acquisition request to the mobile terminal 20. For example, the setting information acquisition request transmission unit 211 transmits a setting information acquisition request to the mobile terminal 20 when a cash withdrawal is selected from a menu screen displayed on the touch panel display 204.
The setting information receiving unit 212 receives setting information transmitted from the mobile terminal 10 in response to the setting information acquisition request. As described above, a transaction history is attached to the setting information.

The history extraction unit 213 extracts transaction information that is a transaction date from the current date and time before the setting information setting period from the transaction history attached to the received setting information.
The accumulated amount calculation unit 214 sums up the transaction amounts of the transaction information extracted by the history extraction unit 213, and calculates the accumulated amount of withdrawal in the set period.

The transaction amount input unit 215 receives a withdrawal amount (hereinafter referred to as “transaction amount”) input from the touch panel of the touch panel display 204.
Withdrawal permission determination unit 216 (corresponding to the “transaction permission determination unit” of the present invention) calculates the total amount of the accumulated amount and the transaction amount, and whether the total amount exceeds the limit amount of the setting information. Judge whether or not withdrawal is possible.
When the withdrawal is possible, the personal identification number input unit 217 receives an input of the personal identification number of the account from the user via the touch panel display 204.

  The account withdrawal request transmitting unit 218 transmits a command (hereinafter referred to as “account withdrawal request”) instructing to withdraw from the account to the host computer 30. In the account withdrawal request, the account information of the setting information, the input transaction amount and the personal identification number are set. In response to the account withdrawal request, the host computer 30 determines whether or not withdrawal from the account is possible depending on whether the PIN is correct and the balance is insufficient, and an account processing result indicating the determination result is obtained. It is transmitted to ATM20.

The account processing result receiving unit 219 receives the above account processing result transmitted from the host 30 in response to the account withdrawal request.
When the account processing result indicates that the withdrawal from the account is possible, the cash discharge processing unit 220 controls the banknote discharge unit 207 to discharge the cash.

  The transaction history update unit 221 transmits a transaction history update request to the mobile terminal 10. The transaction history update request is set with the transaction information including the transaction date and the transaction amount from the account added to the transaction information history extracted by the history extraction unit 213.

  The error message display unit 222 indicates that when the withdrawal determination unit 216 determines that withdrawal is impossible, or the account processing result received by the account processing result reception unit 219 indicates that withdrawal from the account is impossible. If it is, the error message is displayed on the touch panel display 204.

=== Payment processing ===
FIG. 9 is a diagram for explaining the flow of the withdrawal process by the withdrawal processing system of the present embodiment. The withdrawal process shown in the figure is started, for example, when the user selects a transaction from the menu screen displayed on the touch panel display 204 by the ATM 20. It is assumed that the user brings the mobile terminal 10 close to the ATM 20 so that the non-contact IC card 106 built in the mobile terminal 10 can be accessed from the ATM 20.

  Whether the ATM 20 can communicate with the non-contact IC card 106 by, for example, transmitting a data read request to the non-contact IC card 106 built in the mobile terminal 10. If the communication is possible, the non-contact type IC card 106 is authenticated (S401). The authentication process of the non-contact type IC card 106 is a process used for authentication of a general IC card. For example, the contactless IC card 106 can be authenticated by checking whether or not the identification information of the financial institution operating the ATM 20 is stored in the contactless IC card 106.

  When the authentication of the non-contact type IC card 106 has failed (S402: NO), the ATM 20 displays an error message indicating that the authentication of the IC card has failed on the touch panel display 204 (S403), and the process is terminated.

  If the authentication of the non-contact type IC card 106 is successful (S402: YES), the ATM 20 transmits a setting information acquisition request to the mobile terminal 10 and responds from the mobile terminal 10 to the setting information attached to the transaction history. Is received (S404). ATM20 extracts the transaction information within the setting period of setting information from the transaction history incidental to setting information (S405). The ATM 20 calculates the accumulated amount by summing up the transaction amounts of the extracted transaction information (hereinafter referred to as “in-period history”) (S406).

  The ATM 20 displays a message instructing to input the transaction amount on the touch panel display 204, and accepts the input of the transaction amount from the user (S407). The ATM 20 adds the accumulated amount to the input transaction amount, and determines whether or not withdrawal is possible depending on whether the total amount is equal to or less than the above limit amount (S408). If the total amount exceeds the limit (S408: NO), that is, if the withdrawal is impossible, the ATM 20 displays an error message on the touch panel display 204 that the withdrawal is not possible (S409) and ends the processing. To do. Here, for example, the ATM 20 calculates a possible withdrawal amount by subtracting the cumulative amount from the limit amount, and outputs a message to the touch panel display 204 that the withdrawal can be made if the amount is less than the possible withdrawal amount. It may be.

  On the other hand, when the total amount is equal to or less than the limit amount (S408: YES), that is, when the withdrawal is possible, the ATM 20 performs a cash payout process shown in FIG. 10 (S410).

  The ATM 20 receives an input of a password from the user via the touch panel display 204 (S421). The ATM 20 transmits an account withdrawal request in which the account information of the setting information, the transaction amount, and the input personal identification number are set to the host computer 30 (S422).

  When the host computer 30 receives the account withdrawal request from the ATM 20, the host computer 30 checks whether the password set in the account withdrawal request is correct (S423), and the account set in the account withdrawal request. It is confirmed whether the balance of the account specified by the information is equal to or greater than the transaction amount set in the account withdrawal request (S424). The host computer 30 determines whether or not withdrawal from the account is possible depending on whether the password is correct and the balance is not insufficient, and transmits an account processing result indicating the determination result to the ATM 20 ( S425).

  The ATM 20 receives the account processing result (S426), refers to the received account processing result, and determines whether or not withdrawal from the account is possible (S427). If the withdrawal from the account is not possible (S427: NO), the ATM 20 displays an error message indicating that the withdrawal from the account cannot be made on the touch panel display 204 (S428), and ends the process.

  When the withdrawal from the account is possible (S427: YES), the ATM 20 discharges the cash for the transaction amount (S429). The ATM 20 creates transaction information in which a transaction date and a transaction amount are set, adds the created transaction information to the in-period history, and creates an update transaction history. The ATM 20 transmits a transaction history update request in which a transaction history for update is set to the mobile terminal 10, and the mobile terminal 10 is stored in the transaction history storage unit 152 in response to reception of the transaction history update request from the ATM 20. Is rewritten with the transaction history for update set in the transaction history update request, and the transaction history managed by the mobile terminal 10 is updated (S430).

  As described above, the ATM 20 makes a withdrawal equal to or less than the limit amount in the set period set in the non-contact type IC card 106 built in the mobile terminal 10. Therefore, for example, even when the account is illegally withdrawn from an account due to a crime, the damage can be suppressed within a predetermined limit.

  On the other hand, the setting period and the limit amount are set in the mobile terminal 10 for each user, and can be changed according to each user. Therefore, the setting period and the limit amount can be adjusted according to the convenience of the user. Thus, for example, the user can take a risk of fraudulent withdrawal of cash, thereby enabling a higher amount of withdrawal. Thereby, the user can manage the transaction amount according to convenience. For example, the user can set a limit amount for a set period such as one day or one week according to the household expenditure for household management. In this case, the user can easily manage the household using the account of the financial institution while leaving the cash management to the financial institution. Thereby, it is possible to motivate the use of the financial institution that provides the withdrawal processing system to the user.

  Further, in the withdrawal processing system of the present embodiment, since the set period is managed in the mobile terminal 10, even if the set period is different for each user, the processing in the ATM 20 is not affected. Therefore, a different setting period can be provided for each user.

  Further, in the withdrawal processing system of the present embodiment, setting information such as a setting period and a limit amount and transaction history are managed in the mobile terminal 10, so the ATM 20 and the host computer 30 store user setting information. There is no need. Therefore, since the withdrawal processing system can be realized without changing the existing system, an increase in cost can be suppressed. Further, even when managing a large number of customer accounts such as banks, an increase in resources for storing setting information does not occur. Therefore, it is not necessary to increase the storage resources to be provided by the ATM 20 or the host computer 30, and the financial institution does not need to manage the setting information. Therefore, the withdrawal processing service as in the present embodiment can be provided at low cost. In addition, financial institutions can reduce the risks associated with data integrity. Furthermore, since the limit amount is stored in a storage medium physically different from the storage medium storing the limit amount of others, the safety is high.

  Further, in the withdrawal processing system of the present embodiment, the withdrawal limit that has conventionally been set uniformly by a financial institution, for example, 1 million yen per day, is set to, for example, 3 days, 1 week, 1 It can be set as a limit amount in a free setting period such as months. Therefore, the user can manage the risk according to his / her convenience, which is convenient.

  In addition, for example, for individual business owners who conduct business, the amount of funds that can be moved using ATM 20 with a limit set uniformly by financial institutions, for example, 1 million yen per day However, according to the withdrawal processing system of the present embodiment, the above-mentioned individual business owner, etc., does not take the risk of withdrawal due to unauthorized withdrawal, Easy to use because it can be set freely.

  Moreover, the setting information managed by the mobile terminal 10 can be rewritten by the user. Therefore, since the user can freely set the limit amount according to convenience, it is convenient.

  Further, the setting information stored in the mobile terminal 10 can be changed on the mobile terminal 10 side, and there is no need to access the ATM 20, the host computer 30, etc., so the ATM 20 and the host related to the change of the limit amount The processing load and communication of the computer 30 can be suppressed. Thereby, the responsiveness of the whole payment processing system can be improved, and the convenience can be improved.

  Further, since the setting information and transaction history are stored in the mobile terminal 10, the ATM 20 can determine whether or not to withdraw based on the setting information without accessing the host computer 30. As a result, it is possible to perform a withdrawal allowance determination process without increasing the processing load on the host computer 30 or the communication load on the communication path 42. Therefore, the processing efficiency of the entire withdrawal processing system is improved. Therefore, the responsiveness of the withdrawal processing system can be improved and the convenience can be improved.

  Further, since the transaction history is recorded in the mobile terminal 10, the user can refer to the transaction history using the mobile terminal 10.

  Moreover, the transaction history memorize | stored in the portable terminal 10 is updated to the log | history in a setting period after payment. Therefore, the transaction history stored in the mobile terminal 10 does not increase excessively. Therefore, the limited storage resource of the mobile terminal 10 can be used effectively.

  In addition, since the setting information is set in the mobile terminal 10 and the ATM 20 determines whether or not to withdraw according to the limit amount, it is not necessary to modify the application program that operates on the host computer 30 side. Therefore, system development costs can be reduced. In addition, since the application program of the host computer 30 that is operating stably can be operated as it is, it is possible to suppress the possibility of the occurrence of a problem and to prevent the damage from affecting the host computer 30 even if a problem occurs. it can.

  In the above embodiment, the accumulated amount is calculated based on the transaction history received by the ATM 20 from the mobile terminal 10, and it is determined whether or not the withdrawal is possible. Therefore, since it is not necessary to cause the mobile terminal 10 to perform the calculation process of the accumulated amount, it is possible to reduce the processes to be performed on the mobile terminal 10. Therefore, the development cost of an application program that runs on the mobile terminal 10 can be reduced. Further, by using the non-contact type IC card 106 as in this embodiment, an application operating on the mobile terminal 10 does not need to implement processing related to reading and writing of setting information and transaction history. Therefore, the development process concerning the portable terminal 10 can be reduced, and development costs can be further suppressed. Therefore, it is possible to provide a service by the withdrawal processing system at a low cost.

=== In case of transfer ===
In the description so far, it has been assumed that cash is withdrawn. In the case of a transfer, the ATM 20 accepts input of account information of an account as a transfer destination in addition to the input of a personal identification number in the process of FIG. 10 (S421). In addition to, set the transfer destination. In (S429), instead of paying out cash, the ATM 20 displays a message indicating that the transfer has been completed on the touch panel display 204. In (S430), the transaction information including the transaction date and transaction amount of the withdrawal process is added to the in-period history only when the transfer information inclusion flag of the setting information is “O”, and the transfer addition flag is “× ”, A transaction history update request in which the extracted intra-period history is set as it is is transmitted to the mobile terminal 10.

  The transaction information may be accompanied by a withdrawal type for identifying “cash” withdrawal or “transfer”. In this case, the history extraction unit 213 extracts, from the transaction history, only the transaction information attached with the transfer type indicating “cash” when the transfer inclusion flag of the setting information is “×”. . Further, the transaction history update unit 221 adds a withdrawal type to transaction information including a transaction date and a transaction amount, and adds it to the intra-period transaction history.

=== Modification ===
In the above-described embodiment, the accumulated amount is calculated based on the transaction history received by the ATM 20 from the portable terminal 10, but the portable terminal 10 may calculate the accumulated amount. In this case, the history extraction unit 213 and the accumulated amount calculation unit 214 provided in the ATM 20 are provided in the mobile terminal 10. When receiving the setting information acquisition request, the history extraction unit 213 included in the mobile terminal 10 extracts transaction information in the setting period from the transaction history stored in the transaction history storage unit 152, and the accumulated amount calculation unit 214 The accumulated amount is calculated based on the extracted transaction information. The setting information transmission unit 113 adds the calculated accumulated amount to the setting information stored in the setting information storage unit 151 and transmits it to the ATM 20. Also, in the process of FIG. 10 (S430), the ATM 20 transmits to the mobile terminal 10 a transaction history update request in which transaction information including a transaction date from the account and a transaction amount is set. The transaction history update unit 115 of the mobile terminal 10 adds the transaction information set in the transaction history update request to the transaction history stored in the transaction history storage unit 152.

  In the present embodiment, one setting period and one limit amount are set in the setting information, but a plurality of setting periods and limit amounts can be set in association with each other. In this case, for each set period, the history extraction unit 213 extracts transaction information, and the accumulated amount calculation unit 214 calculates the accumulated amount. The withdrawal permission determination unit 216 determines whether to withdraw depending on whether the corresponding cumulative amount does not exceed the limit amount corresponding to each set period. In this way, by allowing a plurality of setting periods and limit amounts to be set, the user can conveniently set a limit amount, which is convenient. For example, by managing a combination of a limit amount that can be withdrawn in a day and a limit amount that can be withdrawn in a month, the user can apply it to household expense management.

  Further, a limit may be set according to a transaction type or time zone indicating cash withdrawal or transfer. In this case, the non-contact type IC card 106 is provided with a limit amount storage unit that stores limit amount information including a transaction type, a time zone, and a set period. Note that the limit amount and setting information of the setting information can be omitted. FIG. 11 shows an example of a limit amount storage unit that can set a plurality of limit amount information. The limit amount information stored in the limit amount storage unit includes a transaction type, a time zone, a set period, and a limit amount. Transaction types include “cash”, “transfer”, and “transfer”. The condition type is any one of “time zone” for designating a time zone as a limit amount condition, “period” for designating a period, and “unconditional” for designating nothing. The set period is information indicating a period such as “1 day”, “1 week”, “1 month”, or the like. In the example shown in FIG. 11, for cash, “100,000” yen can be withdrawn per day in the time zone “7:00 to 19:00”, and “21: 0 to 7:00” Withdrawal is impossible at night, and is limited to withdrawal of "200,000" yen for "one week" and "500,000" for "one month" regardless of the time of day. Is set to indicate that a transfer of “3,000,000” yen is possible in “one month” regardless of the time zone. The setting information transmission unit 113 of the mobile terminal 10 transmits the limit amount information stored in the limit amount storage unit to the ATM 20 along with the setting information.

  The transaction information stored in the transaction history storage unit 152 is accompanied by a transaction type, and the transaction date of the transaction information includes information indicating a time zone. For example, FIG. 12 is an example of the transaction history storage unit 152 when a limit is set according to the transaction type, time zone, and set period. As shown in the figure, each transaction information is accompanied by a transaction type, and the date of withdrawal is set as an example of information indicating the time zone on the transaction date. In the ATM 20, the processes of (S405) to (S408) in FIG. 9 described above are performed for each of the above-described limit amount information attached to the setting information. The ATM 20 extracts transaction information within the setting period of the limit amount information at (S405), and compares the limit amount of the limit amount information with the sum of the transaction amount and the accumulated amount at (S408). The ATM 20 performs the payout process of FIG. 10 when the total amount is equal to or less than the limit amount (S408: YES) for all the limit amount information.

  When the limit is set according to the transaction type and time zone as described above, it is convenient because the user can set a more detailed limit according to convenience. For example, the user can reduce the risk of unauthorized withdrawals outside the activity hours by setting a limit for the time zone according to the lifestyle pattern.

  In the present embodiment, the transaction history is updated so as to be within the set period. However, the transaction information for a predetermined period longer than the set period may be left.

  In the present embodiment, the mobile terminal 10 can update the setting information independently. For example, the user may be authenticated by the ATM 20 or the host computer 30 before the setting information is updated. In this case, for example, the mobile terminal 10 transmits a user authentication request to the ATM 20 before the above processing, and the ATM 20 accepts an input of a password for an account number from the touch panel display 204 and sends it to the host computer 30. A password authentication request can be transmitted to the host computer 30 to verify the validity of the password. As described above, by performing the user authentication process before the update process, it is possible to prevent the setting information of the mobile terminal 10 from being illegally changed.

  In the present embodiment, data such as account information and transaction history is stored in the non-contact type IC card 106, and the setting information acquisition request and transaction history update request are realized by the function of the IC card. Data stored in the contact IC card 106 may be stored in the memory 102 of the mobile terminal 10. In this case, the setting information acquisition request receiving unit 112, the setting information transmitting unit 113, the transaction history update request receiving unit 114, and the transaction history updating unit 115 are executed by the CPU 101 of the mobile terminal 10 executing a program stored in the memory 102. Will be realized.

  In this embodiment, the communication between the portable terminal 10 and the ATM 20 is based on wireless communication for accessing the non-contact type IC card 106. However, communication by other wireless communication such as infrared rays is performed. Also good.

  Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed and improved without departing from the gist thereof, and the present invention includes equivalents thereof.

1 is an overall configuration diagram of a withdrawal processing system according to an embodiment of the present invention. It is a figure which shows the hardware constitutions of the portable terminal 10 by one embodiment of this invention. It is a functional block diagram of the portable terminal 10 by one embodiment of this invention. It is a figure which shows the structure of the setting information storage part 151 by one embodiment of this invention. It is a figure which shows the example of a screen used in order to set a setting period, a limit amount, and a transfer inclusion flag by one embodiment of this invention. It is a figure which shows the structure of the transaction history memory | storage part 152 by one embodiment of this invention. It is a figure which shows the hardware constitutions of ATM20 by one embodiment of this invention. It is a functional block diagram of ATM20 by one embodiment of this invention. It is a figure explaining the flow of the payment processing by the payment processing system of this embodiment by one embodiment of this invention. It is a figure which shows the flow of the payment process of cash by one embodiment of this invention. It is a figure which shows the example of the limit amount memory | storage part which can set multiple pieces of limit amount information by one embodiment of this invention. It is a figure which shows the example of the transaction log | history memory | storage part 152 in the case of setting a limit according to a transaction classification, a time slot | zone, and a setting period by one embodiment of this invention.

Explanation of symbols

10 Mobile terminal 20 ATM
DESCRIPTION OF SYMBOLS 30 Host computer 41 Wireless communication path 42 Communication path 101 CPU 102 Memory 103 NVRAM 104 Input part 105 Display part 106 Non-contact type IC card 111 Setting part 112 Setting information acquisition request reception part 113 Setting information transmission part 114 Transaction history update request reception part 115 Transaction History Update Unit 151 Setting Information Storage Unit 152 Transaction History Storage Unit 201 CPU
202 Memory 203 Storage Device 204 Touch Panel Display 205 IC Card Reader / Writer 206 Communication Interface Unit 207 Bill Discharge 211 Setting Information Acquisition Request Transmitting Unit 212 Setting Information Receiving Unit 213 History Extracting Unit 214 Cumulative Amount Calculation Unit 215 Transaction Amount Input Unit Judgment unit 217 PIN input unit 218 Account withdrawal request transmission unit 219 Account processing result reception unit 220 Cash discharge processing unit 221 Transaction history update request transmission unit 222 Error message display unit

Claims (1)

Is configured to include a mobile terminal and a cash automatic teller machine,
The portable terminal is
Limit of cumulative of the transaction in the period indicated by the account information and the period information and the previous SL period information is a withdrawal or transfer indicates a period of accumulating spend transaction from the previous SL account for identifying an account a setting information storing unit for storing said history of transaction information including the transaction date and transaction amount of the transaction from the forehead and front SL account, a wireless communication unit which performs wireless communication with said automated teller machine, the A non-contact having a setting information transmission unit that transmits the account information, the period information, the limit amount, and the history stored in a setting information storage unit to the automatic teller machine via the wireless communication unit A built-in IC card ,
A setting unit that receives input of the period information and the limit amount , and stores the received period information and the limit amount in the setting information storage unit of the non-contact type IC card ;
The automatic teller machine is
A wireless communication unit that performs wireless communication with the wireless communication unit of the contactless IC card built in the portable terminal;
A setting information acquisition request transmitter for transmitting an information acquisition request to the mobile terminal;
A setting information receiving unit that receives the account information transmitted from the mobile terminal in response to the transmitted information acquisition request, the period information, the limit amount, and the history via the wireless communication unit;
A cumulative amount calculation unit that extracts the transaction information in the period indicated by the period information from the history, and calculates a total amount of the transaction amounts included in the extracted transaction information;
A transaction amount input unit for receiving input of a transaction amount in the transaction;
A total amount of the cumulative amount and the transaction amount, and a transaction feasibility determination unit that determines whether the transaction is possible depending on whether the total amount exceeds the limit;
A transaction processing unit that performs processing for the transaction of the account specified by the account information when the transaction is possible;
引Shi stem preparative characterized in that it comprises a.

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