JP2006244379A - Transaction processing system, portable terminal, and transaction processing method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make it possible to limit the use of a cash card exceeding a limited amount without managing the accumulated amount of using the card. <P>SOLUTION: A portable terminal 10 stores account information and the limited amount of transaction amounts. An ATM 20 receives the account information and the limited amount from the portable terminal 10. The ATM 20 accepts cash withdrawals and an input of a transaction amount of transfer or the like and determines whether a transaction is possible as to whether the transaction amount exceeds the limited amount received from the portable terminal 10. The ATM 20 performs payment processing when the transaction is determined to be possible. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a transaction processing system, a mobile terminal, a transaction processing method, and a program.

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 limit of the accumulated usage amount, payment can be made without entering the code, and if the accumulated usage limit is exceeded, the code is entered. A system has been proposed.
JP 2001-43274 A

  However, in the system described in Patent Document 1, it is determined whether the accumulated usage amount of the card has reached the limit amount set in advance by the user. These must be compared, which complicates the processing and increases the amount of data to be stored.

  The present invention has been made in view of the above points, and an object of the present invention is to make it possible to limit the use of a card exceeding the limit amount without managing the accumulated usage amount of the cash card.

The invention according to claim 1 of the present application for solving the above-mentioned problem is configured to include an automatic teller machine and a mobile terminal, and the mobile terminal stores account information for specifying an account. A limit input unit that accepts an input of a limit that is an amount that can be executed at this time for a transaction that is a withdrawal or transfer from the account, and a limit that stores the input limit in the memory A first wireless communication unit that performs wireless communication between the setting unit and the automatic teller machine, wherein the automatic teller machine performs second wireless communication with the portable terminal. A wireless communication unit, and an account information acquisition request transmission unit that transmits an account information acquisition request for acquiring the account information and the limit amount to the mobile terminal via the second wireless communication unit. , The portable terminal from the automatic teller machine An account information acquisition request receiving unit that receives the received account information acquisition request via the first wireless communication unit, and the account information and the limit amount in response to the account information acquisition request An account information transmission unit that transmits to the automatic teller machine via a wireless communication unit, wherein the automatic teller machine transmits the account information and the limit amount transmitted from the portable terminal to the second wireless Whether or not the transaction is possible depending on whether or not the received transaction amount exceeds the limit, the account information receiving unit received via the communication unit, the transaction amount input unit that receives the input of the transaction amount in the transaction A transaction allowance determining unit to determine; a transaction processing unit that performs a process for the transaction from an account specified by the account information when the transaction is possible; and a pre-stored in the portable terminal A limit amount update request transmitting unit that transmits a limit amount update request instructing to reduce the transaction amount from a limit amount to the mobile terminal via the second wireless communication unit, and the mobile terminal includes: The limit update request transmitted from the automatic teller machine is received in the memory in response to the limit update request receiving unit that receives the limit update request via the first wireless communication unit, and the limit update request And a limit amount updating unit that updates the limit amount that has been set to an amount obtained by subtracting the transaction amount from the limit amount.
According to the transaction processing system of the present invention, it is possible to determine whether or not withdrawal can be made based on the limit amount stored in the mobile terminal. Accordingly, even if the account is illegally withdrawn from the account due to crime, etc., the damage can be suppressed within a predetermined limit.

  In addition, since the limit is stored in the portable terminal, it is not necessary to manage the user's limit with an automatic teller machine or a host computer on the financial institution side. Therefore, it is possible to flexibly perform a system for restricting the use of transactions such as withdrawals and transfers based on the accumulated usage amount for each user while suppressing an increase in system cost. Furthermore, since it is only necessary to store the limit amount that can be traded at the present time in the portable terminal, and it is not necessary to store other information such as the accumulated amount of transaction use, the processing load on the portable terminal is reduced, and the portable terminal is reduced. The storage capacity required for storage can be reduced.

The invention according to claim 2 of the present application is the transaction processing system according to claim 1, wherein the portable terminal includes a non-contact type IC card, and the IC card includes the memory, A first wireless communication unit; the account information acquisition request receiving unit; and the account information transmitting unit, wherein the automatic teller machine includes a reader / writer that reads and writes data from and to the non-contact type IC card. The reader / writer includes the second wireless communication unit, and the account information receiving unit reads the account information and the limit amount stored in the IC card via the reader / writer, The limit amount update request transmission unit rewrites the limit amount stored in the IC card to the amount obtained by subtracting the transaction amount from the limit amount via the reader / writer.
In this case, since data is stored, read out, updated, etc. using a non-contact type IC card, it is possible to reduce the development man-hours for application programs operating on the portable terminal and to reduce development costs.

  The invention according to claim 3 of the present application is the transaction processing system according to claim 1, wherein the limit amount input unit accepts input of the set amount as an amount to be added to the limit amount, The limit amount setting unit adds the received set amount to the limit amount.

  Moreover, invention of Claim 4 of this application is the transaction processing system of Claim 1, Comprising: The said automatic teller machine receives the input of the setting amount which should be set as the said limit amount in the said portable terminal A set amount input unit; and a limit amount setting request transmission unit that transmits a limit amount setting request for instructing to set the set amount as the limit amount to the mobile terminal via the second wireless communication unit; The limit input unit receives the limit setting request transmitted from the automatic teller machine, and the limit setting unit sets the set amount as the limit in response to the limit setting request. The data is stored in the memory.

  The invention according to claim 5 of the present application is the transaction processing system according to claim 4, wherein the set amount input unit accepts input of the set amount as an amount to be added to the limit amount, The limit amount setting unit adds the set amount to the limit amount stored in the memory in response to the limit amount setting request.

  The invention according to claim 6 of the present application is the transaction processing system according to claim 1, wherein the limit amount update request transmission unit is an update amount that is an amount obtained by subtracting the transaction amount from the limit amount. The update amount is set in the limit update request and transmitted to the mobile terminal, and the limit update unit uses the update amount set in the limit update request as the limit It will be stored in memory.

  The invention according to claim 7 of the present application is the transaction processing system according to claim 1, wherein the limit amount update request transmitting unit sets the transaction amount to the limit amount update request and performs the portable operation. The limit amount update unit calculates an update amount that is an amount obtained by subtracting the transaction amount set in the limit amount update request from the limit amount stored in the memory. The updated amount of money is stored in the memory as the limit amount.

  The invention according to claim 8 of the present application is a portable terminal used for transactions that are withdrawal or transfer from an account, a memory for storing account information for specifying an account, A limit amount input unit that accepts input of a limit amount that is an amount that can be executed at the present time as a transaction that is a withdrawal or transfer, a limit amount setting unit that stores the input limit amount in the memory, and the transaction A wireless communication unit that performs wireless communication with an automatic teller machine that performs processing for the automatic teller machine, and the automatic teller machine that stores the account information and the limit amount stored in the memory via the wireless communication unit A limit for receiving, via the wireless communication unit, an account information transmission unit that transmits to the automatic teller machine and a limit amount update request that instructs to subtract the transaction amount in the transaction from the limit amount Renewal required A receiving unit; and a limit amount updating unit that stores, in the memory as the limit amount, an amount obtained by subtracting the transaction amount from the limit amount stored in the memory in response to the limit amount update request. And

  The invention according to claim 9 of the present application is the mobile terminal according to claim 8, wherein the mobile terminal accepts and accepts an input of the set amount as an amount to be added to the limit amount. The set amount is added to the limit amount.

  The invention according to claim 10 of the present application is the portable terminal according to claim 8, wherein the transaction amount is set in the limit update request, and the limit update unit is stored in the memory. Calculating an update amount that is an amount obtained by subtracting the transaction amount set in the limit update request from the limit amount being stored, and storing the calculated update amount in the memory as the limit amount To do.

  The invention according to claim 11 of the present application is the transaction processing system configured to include an automatic teller machine and wireless communication capable of wireless communication with each other, wherein the mobile terminal specifies an account. Storing information in a memory, accepting an input of a limit amount that is currently possible to conduct a transaction that is a withdrawal or transfer from the account, storing the input limit amount in the memory, and The automatic teller machine transmits an account information acquisition request for acquiring the account information and the limit amount to the mobile terminal, and the mobile terminal receives the account information acquisition request transmitted from the automatic teller machine. In response to the account information acquisition request, the account information and the limit amount stored in the memory are transmitted to the automatic teller machine, and the automatic teller machine is transmitted from the portable terminal. Receiving the account information and the limit amount, receiving an input of the transaction amount in the transaction, determining whether the transaction is possible based on whether the received transaction amount exceeds the limit amount, A limit update request instructing, if possible, processing for the transaction from the account specified by the account information to reduce the transaction amount from the limit stored in the mobile terminal To the mobile terminal, the mobile terminal receives the limit update request transmitted from the automatic teller machine, and the limit stored in the memory in response to the limit update request Is updated to the amount obtained by subtracting the transaction amount from the limit amount.

  The invention according to claim 12 of the present application is the transaction processing method according to claim 11, wherein the mobile terminal receives and receives an input of the set amount as an amount to be added to the limit amount. The set amount is added to the limit amount.

  The invention according to claim 13 of the present application is the transaction processing method according to claim 11, wherein the automatic teller machine accepts an input of a set amount to be set as the limit amount in the portable terminal. A limit amount setting request for instructing to set the set amount as the limit amount is transmitted to the portable terminal, and the portable terminal receives the limit amount setting request transmitted from the automatic teller machine, In response to the limit amount setting request, the set amount is stored in the memory as the limit amount.

  The invention according to claim 14 of the present application is the transaction processing method according to claim 13, wherein the automatic teller machine accepts input of the set amount as an amount to be added to the limit amount, The mobile terminal adds the set amount to the limit stored in the memory in response to the limit setting request.

  The invention according to claim 15 of the present application is used for a transaction that is withdrawal or transfer from an account, and a portable terminal that performs wireless communication with an automatic teller machine that performs processing for the transaction. , Store the account information for identifying the account in the memory, accept the input of the limit amount that is currently possible to conduct transactions that are withdrawal or transfer from the account, and the input limit amount Is stored in the memory, the account information and the limit amount stored in the memory are transmitted to the automatic teller machine, and the transaction amount in the transaction transmitted from the automatic teller machine is the limit amount. A limit amount update request instructing to be subtracted from, and in response to the limit amount update request, an amount obtained by subtracting the transaction amount from the limit amount stored in the memory is stored in the memory as the limit amount. Memory Rukoto, it relates to a transaction processing method according to claim.

  The invention according to claim 16 of the present application is the transaction processing method according to claim 15, wherein the mobile terminal receives and receives an input of the set amount as an amount to be added to the limit amount. The set amount is added to the limit amount.

  The invention according to claim 17 of the present application is an account for specifying an account in the portable terminal in a transaction processing system configured to include an automatic teller machine capable of wireless communication with each other and wireless communication. A step of storing information in a memory; a step of accepting an input of a limit that is an amount at which a transaction that is a withdrawal or transfer from the account can be performed at the present time; and the input of the limit to the memory Storing, and causing the automatic teller machine to execute a step of transmitting an account information acquisition request for acquiring the account information and the limit amount to the portable terminal, and causing the portable terminal to Receiving the account information acquisition request transmitted from the automatic teller machine, and in response to the account information acquisition request, the account information stored in the memory and the Transmitting the amount to the automatic teller machine, receiving the account information and the limit amount transmitted from the mobile terminal to the automatic teller machine, and the transaction amount in the transaction Receiving the input, determining whether the transaction is possible based on whether the received transaction amount exceeds the limit, and the account specified by the account information when the transaction is possible Performing a process for the transaction from, and transmitting a limit update request to the mobile terminal instructing to reduce the transaction amount from the limit stored in the mobile terminal. Receiving the limit update request transmitted from the automatic teller machine to the portable terminal, and responding to the limit update request , The limit stored in the memory, and updating the amount of money deducted the transaction amount from the limit amount, which relates to a program for execution.

  The invention according to claim 18 of the present application is used for transactions that are withdrawals or transfers from an account, and includes a CPU and a memory, and is capable of wireless communication with an automatic teller machine that performs processing for the transactions. A step of storing account information for identifying an account in the memory in the portable terminal, and a step of accepting an input of a limit amount that can be executed at the present time as a withdrawal or transfer from the account Storing the input limit amount in the memory, transmitting the account information and the limit amount stored in the memory to the automatic teller machine, and transmitting from the automatic teller machine Receiving a limit update request instructing to subtract a transaction amount in the transaction from the limit, and stored in the memory in response to the limit update request. The amount obtained by subtracting the transaction amount from the limit in which the steps of storing in said memory as said limit, in which according to the program for execution.

  ADVANTAGE OF THE INVENTION According to this invention, the use of the card | curd exceeding a limit can be restrict | limited without managing the use amount of a cash card.

=== System configuration ===
FIG. 1 is an overall configuration diagram of a transaction processing system according to an embodiment of the present invention. As shown in FIG. 1, the transaction processing system according to the present embodiment includes an ATM (Automatic Teller Machine) installed in a mobile terminal 10 such as a mobile phone possessed by a customer of a financial institution, a store of an financial institution, an ATM corner, or the like. An automatic teller machine) 20 and a host computer 30 for depositing / 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 incorporates a non-contact type IC card reader / writer. 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 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 the program. The input unit 104 is, for example, a keypad, a switch, or a microphone that receives data input from the user. The display unit 105 is, for example, a liquid crystal display that outputs data. Note that the mobile terminal 10 may include an output device such as a speaker or a printer instead of or in addition to the display unit 105.

  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 limit amount update request receiving unit 114, a limit amount updating unit 115, and a setting information storage unit 151. I have.

  The setting information storage unit 151 includes information for identifying an account opened by the user in the financial institution (hereinafter referred to as “account information”), and a limit on the accumulated amount of transactions such as withdrawal and transfer from the account. Settings information including such as is stored. FIG. 4 shows the configuration of the setting information storage unit 151. As shown in the figure, the setting information storage unit 151 stores account information such as financial institution name, branch name, account type, account number, account name, etc., limit amount, transfer addition flag, and password set by the user. I remember it. Here, the transfer inclusion flag is information indicating whether or not the limit includes a transfer. When “○” is set in the transfer inclusion flag, the above limit amount indicates a limit amount for the sum of the amount withdrawn with cash and the amount with which the transfer was made. Further, when “×” is set in the transfer addition flag, the above limit amount is an upper limit value of the amount withdrawn with cash.

  Of the setting information stored in the setting information storage unit 151, the limit amount and the transfer addition flag can be set by the user. The setting unit 111 receives input of 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 limit amount input field 311 and a check box 312 for setting a transfer addition flag. The user inputs a limit amount in the input field 311 and sets in the check box 312 whether or not to include the transaction amount by transfer in the limit amount.

  When the user presses the “Next” button 313, 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 based on the limit amount (corresponding to the set amount of the present invention) and the transfer addition flag. After updating the setting information, the setting unit 111 displays a screen 330 that displays a message indicating that the setting information has been updated.

  The setting unit 111 may add the input amount to the limit amount of the setting information. In this case, for example, if a large amount of money is scheduled to be withdrawn, the usage limit can be set so that the shortage is added to the limit, which is easy for the user to understand.

The setting information acquisition request receiving unit 112 receives a command (hereinafter referred to as a setting information acquisition request, which corresponds to the account information acquisition request of the present invention) for reading the setting information transmitted from the ATM 20.
The setting information transmission unit 113 (corresponding to the account information transmission unit of the present invention) transmits the setting information stored in the setting information storage unit 151 to the ATM 20 in response to the reception of the setting information acquisition request.
The limit amount update request receiving unit 114 receives a command (hereinafter referred to as a limit amount update request) transmitted from the ATM 20 and instructing to update the limit amount.

  The limit amount update unit 115 updates the limit amount of the setting information stored in the setting information storage unit 151 in response to receiving the limit amount update request. In this embodiment, the transaction amount is set in the limit update request, and the limit update unit 115 calculates an amount obtained by subtracting the transaction amount set in the limit update request from the limit amount in the setting information. The calculated amount is stored in the setting information storage unit 151 as the limit amount of the set amount.

  Each of the storage units 151 to 152 is realized as a storage area (corresponding to the memory of the present invention) provided by the non-contact type IC card 106. The setting information acquisition request receiving unit 112 corresponds to a function for receiving a data acquisition request provided by the non-contact IC card 106 and transmitted from the IC card reader / writer (a wireless communication unit provided in the portable terminal of the present invention). The setting information acquisition request, the limit amount update request, and the like are realized as, for example, a data read request or a write request to the non-contact type IC card 106.

=== ATM20 ===
FIG. 6 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 provided in the automatic teller machine of the present invention). The communication interface 206 is an interface for connecting to the communication path 42. For the communication interface 206, for example, an Ethernet (registered trademark) adapter for connecting to the Ethernet (registered trademark), a modem for connecting to a dedicated line or a public telephone line, or the like is used according to the communication path 42. it can. The ATM 20 communicates with the host computer 30 of the financial institution via the communication interface 206, and performs processing such as withdrawal and transfer from the account. The banknote discharge unit 207 is a cash deposit / withdrawal port at the time of transaction.

  FIG. 7 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 transaction amount input unit 213, a transaction availability determination unit 214, a personal identification number input unit 215, an account withdrawal request transmission unit 216, An account processing result reception unit 217, a cash discharge processing unit 218, a limit amount update request transmission unit 219, and an error message display unit 220 are provided.

The setting information acquisition request transmission unit 211 transmits a setting information acquisition request to the mobile terminal 10. For example, the setting information acquisition request transmission unit 211 transmits a setting information acquisition request to the mobile terminal 10 when cash withdrawal is selected from the 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.
The transaction amount input unit 213 receives a withdrawal amount or a transfer amount (hereinafter referred to as a transaction amount) input from the touch panel of the touch panel display 204.
The transaction availability determination unit 214 (corresponding to the transaction availability determination unit of the present invention) determines whether or not the transaction is possible depending on whether or not the transaction amount exceeds the limit of the setting information.
The personal identification number input unit 215 receives an input of the personal identification number of the account from the user via the touch panel display 204 when a transaction is possible.

The account withdrawal request transmission unit 216 transmits a command (hereinafter referred to as an 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 217 receives the account processing result transmitted from the host computer 30 in response to the account withdrawal request.

  In addition, for the withdrawal process from the account performed by the ATM 20 and the host computer 30 as described above, a process at the time of withdrawal from the account in a general financial institution such as a bank can be used.

When the account processing result indicates that the withdrawal from the account is possible, the cash discharge processing unit 218 controls the banknote discharge unit 207 to discharge the cash.
The limit amount update request transmission unit 219 transmits a limit amount update request in which the transaction amount is set to the mobile terminal 10.
The error message display unit 220 indicates that the transaction processing determination unit 214 determines that the transaction is impossible, or the account processing result received by the account processing result receiving unit 217 indicates that the withdrawal from the account is impossible. In some cases, an error message is displayed on the touch panel display 204.

=== Transaction Processing ===
FIG. 8 is a diagram for explaining the flow of transaction processing by the transaction processing system of the present embodiment. The transaction process shown in the figure is started, for example, when the user selects a cash withdrawal transaction from a 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.

  When 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 receives the setting information returned from the mobile terminal 10 (S404). 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 (S405). The ATM 20 determines whether or not the transaction is possible based on whether or not the input transaction amount is equal to or less than the limit amount of the setting information (S406). When the transaction amount exceeds the limit amount (S406: NO), that is, when the transaction is impossible, the ATM 20 displays an error message indicating that the transaction is not possible on the touch panel display 204 (S407), and ends the processing. To do. Here, for example, the ATM 20 may output a limit amount and a message indicating that a transaction can be made if the amount is equal to or less than the limit amount to the touch panel display 204.

On the other hand, when the transaction amount is equal to or less than the limit amount (S406: YES), that is, when the transaction is possible, the ATM 20 performs a cash payout process shown in FIG. 9 (S408).
In the cash payout process, the ATM 20 first receives an input of a personal identification number 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 transaction amount of cash from the banknote discharge unit 207 (S429). The ATM 20 transmits a limit amount update request in which the transaction amount is set to the mobile terminal 10 (S430).

  When the mobile terminal 10 receives the limit amount update request transmitted from the ATM 20, the mobile terminal 10 updates the transaction amount set in the limit amount update request from the limit amount of the setting information stored in the setting information storage unit 151. The amount is calculated (S431). The mobile terminal 10 updates the setting information storage unit 151 so as to rewrite the limit amount of the setting information with the calculated update amount (S432).

  As described above, the ATM 20 can limit the amount that can be withdrawn to a limit amount 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, since the limit amount that can be traded is set in the mobile terminal 10 for each user, a different limit amount can be set for each user. Therefore, the user can adjust the limit amount according to his / her convenience. Thus, for example, the user can take a risk associated with an unauthorized withdrawal of cash, thereby enabling a transaction with a higher limit. Thereby, the user can manage the limit of the transaction according to convenience. Thus, it is convenient because the risk can be managed in accordance with the convenience of the user.

  In the transaction processing system of the present embodiment, setting information such as a limit amount is managed in the mobile terminal 10. Therefore, since it is not necessary to store user setting information in the host computer 30, the transaction processing system of the present embodiment can be realized while suppressing an increase in cost without changing the existing system. In addition, even when managing a large number of customer accounts such as banks, it is not necessary to increase the storage resources to be provided by the ATM 20 or the host computer 30. Can be realized. Further, since the financial institution does not need to manage the setting information, the management cost can be reduced. Thereby, the financial institution can provide the service at low cost. In addition, since financial institutions do not manage user setting information, the risk associated with data integrity can be reduced. Furthermore, since the user's setting information is stored in a storage medium physically different from the storage medium in which other person's setting information is stored, safety is high.

  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 transaction processing system of the present embodiment, the above-mentioned individual business owner can freely set the limit for transactions instead of taking the risk of withdrawal from fraudulent transactions. Easy to use because it can be set.

  Moreover, since the setting information managed by the portable terminal 10 can be rewritten by the user, the user can freely set a limit amount according to his / her convenience. That is, it is convenient for the user to set a flexible limit amount.

  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, or the like. Therefore, the processing load and communication load of the ATM 20 and the host computer 30 related to the change of the limit amount can be suppressed. Thereby, the responsiveness of the whole transaction processing system can be improved, and the convenience can be improved.

  Further, since the setting information is stored in the mobile terminal 10, the ATM 20 can determine whether or not the transaction exceeds the limit amount without accessing the host computer 30. That is, it is possible to perform a transaction feasibility 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 transaction processing system is improved. Therefore, the responsiveness of a transaction processing system can be improved and the convenience can be improved.

  In addition, since the setting information is set in the mobile terminal 10 and the ATM 20 determines whether or not the transaction can be performed according to the limit amount, there is no need to modify the application program operating 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.

  Further, by incorporating the non-contact type IC card 106 in the mobile terminal 10 according to the present embodiment, an application operating on the mobile terminal 10 does not need to implement processing related to reading and writing of setting information. Therefore, the development process concerning the portable terminal 10 can be reduced, and development costs can be further suppressed. Therefore, it becomes possible to provide the service by the transaction processing system according to the present embodiment 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 password in the processing of FIG. 9 (S421), and the account information and transaction amount are received in the account withdrawal request. In addition to, set the transfer destination. In (S429), the ATM 20 displays a message indicating that the transfer is completed on the touch panel display 204 instead of paying out the cash. In (S430), only when the transfer information flag of the setting information is “O”, a limit update request in which the transaction amount (transfer amount) is set is transmitted to the mobile terminal 10, and the transfer of the setting information is performed. When the flag is “x”, the limit amount update request is not transmitted, or the limit amount update request in which “0 (zero)” is set as the transaction amount is transmitted to the mobile terminal 10.

=== Modification ===
In the present embodiment, the update amount is calculated by the mobile terminal 10, but may be calculated by the ATM 20. In this case, the ATM 20 calculates the update amount by subtracting the transaction amount from the limit amount of the setting information received from the mobile terminal 10, sets the calculated update amount in the limit amount update request, and transmits it to the mobile terminal 10. To. Then, the mobile terminal 10 stores the update amount set in the received limit amount update request in the setting information storage unit 151 as the limit amount of the setting information.

  In the present embodiment, the limit amount and the like for updating the setting information are input from the mobile terminal 10, but may be input from the ATM 20. In this case, the ATM 20 displays a screen as shown in FIG. 5 and accepts input of a limit amount and a password. The ATM 20 transmits a command (hereinafter referred to as a setting information update request) instructing to update the setting information in which the input limit amount and password are set to the mobile terminal 10. The mobile terminal 10 receives the setting information update request from the ATM 20 and sets the password when the password set in the setting information update request matches the password of the setting information stored in the setting information storage unit 151. The information limit is updated to the limit set in the setting information update request.

  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 this embodiment, data such as setting information is stored in the non-contact type IC card 106, and the setting information acquisition request and the limit amount update request are realized by the function of the IC card. Data stored in the 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 limit amount update request receiving unit 114, and the limit amount updating unit 115 execute a program stored in the memory 102 by the CPU 101 of the mobile terminal 10. Will be realized.

  In the present embodiment, one limit amount is set in the setting information. However, for example, a limit amount may be set for each transaction time zone. In this case, the ATM 20 determines whether or not the transaction is possible by comparing the limit amount corresponding to the transaction time zone with the transaction amount. In addition, the ATM 20 sets a transaction time zone in addition to the transaction amount in the limit update request. Thereby, the user can set a limit amount that can be traded for each time zone. That is, it becomes possible to respond more flexibly to user needs.

  In addition, limit amounts may be set for transaction types such as “cash withdrawal” and “transfer”. In this case, the setting information stored in the setting information storage unit 151 stores at least one limit amount for each transaction type. Further, the ATM 20 determines whether or not the transaction amount exceeds the limit corresponding to the transaction type in (S406) of FIG. In addition, the ATM 20 sets the transaction type in addition to the transaction amount in the limit update request, and the mobile terminal 10 updates the limit corresponding to the transaction type set in the limit update request. To.

  Moreover, you may make it set a limit amount according to the time slot | zone of transaction. In this case, the limit information for each time zone is stored in the setting information, and the time zone and the transaction amount are set in the limit amount update request.

  Furthermore, a limit amount corresponding to both the transaction type and the time zone can be set. In this case, for example, separately from the setting information, the non-contact type IC card 106 may be provided with a limit amount storage unit that stores limit amount information including a transaction type, a time zone, and a limit amount. An example of such a limit amount storage unit is shown in FIG. The limit amount information stored in the limit amount storage unit includes a transaction type, a time zone, and a limit amount. Transaction types include “cash”, “transfer”, and “transfer”. In the example shown in FIG. 10, with respect to cash, “100,000” yen can be withdrawn in the time zone “7:00 to 19:00”, and at “21: 0 to 7:00” at night. Withdrawal is impossible, and it is set that “3,000,000” yen can be transferred regardless of the time zone. The setting information transmission unit 113 of the portable terminal 10 adds the setting information and transmits the limit amount information stored in the limit amount storage unit to the ATM 20, and the AMT 20 sets the setting information in (S406) of FIG. The limit amount corresponding to the transaction type and the transaction time zone is extracted from the limit amount information attached to, and it is determined whether the transaction is possible by comparing the extracted limit amount with the transaction amount. Further, the ATM 20 sets the transaction type and the transaction time zone in addition to the transaction amount in the limit amount update request, and the mobile terminal 10 sets the transaction type and time zone set in the limit amount update request. The limit amount corresponding to and is updated.

  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 that an illegal transaction is performed outside the activity time by setting a limit for the time zone according to the life pattern.

  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 transaction 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 limit amount and a transfer addition flag 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 transaction processing by the transaction processing system of this embodiment by one embodiment of the present 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.

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 Limit amount update request reception part 115 limit amount update unit 151 setting information 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 transmission unit 212 setting information reception unit 213 transaction amount input unit 214 Transaction acceptability determination unit 215 PIN number input unit 216 Account withdrawal request transmission unit 217 Account processing result reception unit 218 Cash discharge processing unit 219 Limit amount update request transmission unit 220 Error message display unit

Claims (18)

An automatic teller machine and a mobile terminal are included.
The portable terminal is
A memory for storing account information for identifying an account;
A limit input unit that accepts an input of a limit that is an amount that can be performed at this time for transactions that are withdrawals or transfers from the account;
A limit amount setting unit for storing the input limit amount in the memory;
A first wireless communication unit that performs wireless communication with the automatic teller machine,
The automatic teller machine is
A second wireless communication unit that performs wireless communication with the mobile terminal;
An account information acquisition request transmitting unit that transmits the account information acquisition request for acquiring the account information and the limit amount to the mobile terminal via the second wireless communication unit, and
The portable terminal is
An account information acquisition request receiving unit that receives the account information acquisition request transmitted from the automatic teller machine via the first wireless communication unit;
In response to the account information acquisition request, an account information transmission unit that transmits the account information and the limit amount to the automatic teller machine via the first wireless communication unit,
The automatic teller machine is
An account information receiving unit for receiving the account information and the limit amount transmitted from the mobile terminal via the second wireless communication unit;
A transaction amount input unit for receiving input of a transaction amount in the transaction;
A transaction feasibility determining unit that determines whether or not the transaction is possible based on whether or not the accepted transaction amount exceeds the limit;
A transaction processing unit for performing processing for the transaction from the account specified by the account information when the transaction is possible;
Limit amount update request transmission unit for transmitting a limit amount update request for instructing to reduce the transaction amount from the limit amount stored in the portable terminal to the portable terminal via the second wireless communication unit And comprising
The portable terminal is
A limit update request receiving unit that receives the limit update request transmitted from the automatic teller machine via the first wireless communication unit; and
In response to the limit update request, a limit update unit that updates the limit stored in the memory to an amount obtained by subtracting the transaction amount from the limit;
A transaction processing system comprising: The transaction processing system according to claim 1,
The portable terminal includes a non-contact type IC card,
The IC card includes the memory, the first wireless communication unit, the account information acquisition request receiving unit, and the account information transmitting unit.
The automatic teller machine includes a reader / writer that reads and writes data to and from the contactless IC card,
The reader / writer includes the second wireless communication unit,
The account information receiving unit reads the account information and the limit amount stored in the IC card via the reader / writer,
The limit amount update request transmission unit rewrites the limit amount stored in the IC card to the amount obtained by subtracting the transaction amount from the limit amount via the reader / writer.
A transaction processing system characterized by The transaction processing system according to claim 1,
The limit amount input unit accepts input of the set amount as an amount to be added to the limit amount,
The limit amount setting unit adds the received set amount to the limit amount;
A transaction processing system characterized by The transaction processing system according to claim 1,
The automatic teller machine is
A set amount input unit for receiving an input of a set amount to be set as the limit amount in the mobile terminal;
A limit amount setting request transmitting unit that transmits a limit amount setting request instructing to set the set amount as the limit amount to the mobile terminal via the second wireless communication unit;
With
The limit input unit receives the limit setting request transmitted from the automatic teller machine,
The limit amount setting unit stores the set amount in the memory as the limit amount in response to the limit amount setting request;
A transaction processing system characterized by The transaction processing system according to claim 4,
The set amount input unit accepts input of the set amount as an amount to be added to the limit amount,
The limit amount setting unit adds the set amount to the limit amount stored in the memory in response to the limit amount setting request;
A transaction processing system characterized by The transaction processing system according to claim 1,
The limit amount update request transmission unit calculates an update amount that is an amount obtained by subtracting the transaction amount from the limit amount, sets the update amount to the limit amount update request, and transmits it to the mobile terminal,
The limit amount update unit stores the update amount set in the limit amount update request as the limit amount in the memory;
A transaction processing system characterized by The transaction processing system according to claim 1,
The limit amount update request transmission unit sets the transaction amount to the limit amount update request and transmits it to the mobile terminal,
The limit amount update unit calculates an update amount that is an amount obtained by subtracting the transaction amount set in the limit amount update request from the limit amount stored in the memory, and calculates the calculated update amount Storing in the memory as a limit,
A transaction processing system characterized by A mobile device used for transactions that are withdrawals or transfers from an account,
A memory for storing account information for identifying an account;
A limit input unit that accepts an input of a limit that is an amount that can be performed at this time for transactions that are withdrawals or transfers from the account;
A limit amount setting unit for storing the input limit amount in the memory;
A wireless communication unit that performs wireless communication with an automatic teller machine that performs processing for the transaction;
An account information transmitting unit for transmitting the account information stored in the memory and the limit amount to the automatic teller machine via the wireless communication unit;
A limit amount update request receiving unit that receives a limit amount update request transmitted from the automatic teller machine and instructing to subtract a transaction amount in the transaction from the limit amount, via the wireless communication unit;
In response to the limit amount update request, a limit amount updating unit that stores an amount obtained by subtracting the transaction amount from the limit amount stored in the memory as the limit amount in the memory.
A portable terminal comprising: The mobile terminal according to claim 8,
The portable terminal is
Accepting the input of the set amount as an amount to be added to the limit amount,
Adding the accepted set amount to the limit;
A mobile terminal characterized by. The mobile terminal according to claim 8,
The transaction amount is set in the limit update request,
The limit amount updating unit calculates an update amount that is an amount obtained by subtracting the transaction amount set in the limit amount update request from the limit amount stored in the memory, and calculates the calculated update amount. Storing in the memory as the limit amount;
A mobile terminal characterized by. In a transaction processing system configured to include an automatic teller machine capable of wireless communication with each other and wireless communication,
The mobile terminal is
Store the account information to identify the account in memory,
Accepts the input of a limit that is the amount of money that can be executed at this time for transactions that are withdrawals or transfers from the account,
Storing the input limit amount in the memory;
The automatic teller machine transmits an account information acquisition request for acquiring the account information and the limit amount to the mobile terminal,
The mobile terminal is
Receiving the account information acquisition request transmitted from the automatic teller machine,
In response to the account information acquisition request, the account information stored in the memory and the limit amount are transmitted to the automatic teller machine,
The automatic teller machine is
Receiving the account information and the limit amount transmitted from the mobile terminal;
Accepting input of transaction amount in the transaction,
Determining whether the transaction is possible by determining whether the accepted transaction amount exceeds the limit,
If the transaction is possible, perform processing for the transaction from the account specified by the account information;
Sending a limit update request to the mobile terminal to instruct to reduce the transaction amount from the limit stored in the mobile terminal;
The mobile terminal is
Receiving the limit update request sent from the automatic teller machine,
Updating the limit stored in the memory to an amount obtained by subtracting the transaction amount from the limit in response to the limit update request;
A transaction processing method characterized by the above. The transaction processing method according to claim 11,
The portable terminal accepts an input of the set amount as an amount to be added to the limit amount, and adds the received set amount to the limit amount;
A transaction processing system characterized by The transaction processing method according to claim 11,
The automatic teller machine is
Accepting input of a set amount to be set as the limit amount on the mobile terminal,
Sending a limit amount setting request instructing to set the set amount as the limit amount to the mobile terminal,
The portable terminal is
Receiving the limit setting request transmitted from the automatic teller machine,
In response to the limit amount setting request, storing the set amount as the limit amount in the memory;
A transaction processing method characterized by the above. The transaction processing method according to claim 13,
The automatic teller machine accepts input of the set amount as an amount to be added to the limit amount,
In response to the limit amount setting request, the mobile terminal adds the set amount to the limit amount stored in the memory.
A transaction processing method characterized by the above. A portable terminal that is used for transactions that are withdrawals or transfers from an account and that performs wireless communication with an automatic teller machine that performs processing for the transactions,
Store the account information to identify the account in memory,
Accepts the input of a limit that is the amount of money that can be executed at this time for transactions that are withdrawals or transfers from the account,
Storing the input limit amount in the memory;
Sending the account information and the limit stored in the memory to the automatic teller machine;
Receiving a limit update request sent from the automatic teller machine to instruct to subtract the transaction amount in the transaction from the limit;
In response to the limit update request, storing an amount obtained by subtracting the transaction amount from the limit stored in the memory as the limit in the memory.
A transaction processing method characterized by the above. The transaction processing method according to claim 15,
The portable terminal is
Accepting the input of the set amount as an amount to be added to the limit amount,
Adding the accepted set amount to the limit;
A transaction processing method characterized by the above. In a transaction processing system configured to include an automatic teller machine capable of wireless communication with each other and wireless communication,
In the mobile terminal,
Storing account information for identifying an account in a memory;
Receiving an input of a limit, which is an amount that can be performed at the present time, in a transaction that is a withdrawal or transfer from the account;
Storing the input limit amount in the memory; and
Causing the automatic teller machine to execute a step of transmitting an account information acquisition request for acquiring the account information and the limit amount to the mobile terminal;
In the mobile terminal,
Receiving the account information acquisition request transmitted from the automatic teller machine;
Transmitting the account information stored in the memory and the limit amount to the automatic teller machine in response to the account information acquisition request,
In the automatic teller machine,
Receiving the account information and the limit amount transmitted from the mobile terminal;
Receiving an input of a transaction amount in the transaction;
Determining whether the transaction is possible based on whether the received transaction amount exceeds the limit; and
If the transaction is possible, performing a process for the transaction from the account identified by the account information;
Transmitting a limit update request to the mobile terminal instructing to reduce the transaction amount from the limit stored in the mobile terminal; and
In the mobile terminal,
Receiving the limit update request sent from the automatic teller machine;
In response to the limit update request, updating the limit stored in the memory to an amount obtained by subtracting the transaction amount from the limit;
A program for running Used for transactions that are withdrawals or transfers from an account, equipped with a CPU and memory, and a portable terminal capable of wireless communication with an automatic teller machine that performs processing for the transactions,
Storing account information for identifying an account in the memory;
Receiving an input of a limit, which is an amount that can be performed at the present time, in a transaction that is a withdrawal or transfer from the account;
Storing the input limit amount in the memory;
Transmitting the account information and the limit stored in the memory to the automatic teller machine;
Receiving a limit update request sent from the automatic teller machine to instruct to subtract a transaction amount in the transaction from the limit;
Storing the amount of the transaction amount subtracted from the limit amount stored in the memory as the limit amount in the memory in response to the limit update request;
A program for running

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