JP2009245272A - Cardless payment system, cardless payment method, and recording medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cardless payment system which allows a user to withdraw money from an ATM without using a card and ensures a high security level. <P>SOLUTION: A cardless payment system 100 includes: an ATM (automated teller machine) 14 which has at least a reading section for reading an image 16 displayed on a display section installed in a cellular telephone (mobile terminal) 15; a Web sever (information providing means) 12 which communicates with the cellular phone 15; a customer DB (customer database) 11 storing property information in which an ID, a password, an mail address, a date of birth, and a cellular phone identification number are registered in units of users for the cellular phone 15; and a control server 1 which takes charge of cash payment control. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a cardless payment system, and more specifically, it is possible to settle money without using a card in order to prevent unauthorized use by a third party that may occur due to theft and loss of a card. The present invention relates to a cardless payment system and its payment method.

In recent years, it has become possible to withdraw cash by ATM (Automated Teller Machine) without having cash if you bring a cash card, and the frequency of use of the cash card has increased. Yes. However, there is a high risk that the cash card is likely to be illegally used by others due to loss or theft. Further, in the case of loss or theft, troublesome procedures such as a procedure for stopping the use of a cash card or a notification to the police are required. Therefore, there is a demand for a system with a high security level that can be withdrawn without carrying the cash card by means of replacing the cash card.
In Patent Document 1, a bar code that can be used only once is registered in the host computer together with the transaction amount entered by the customer through the mobile phone, and the bar code is transmitted to the mobile phone of the reserved customer and stored. When a transaction is made at an ATM, the barcode read from the mobile phone is read by a barcode reader provided for the ATM, and the barcode is checked against the barcode registered in the host computer. An automatic transaction system is disclosed.
In Patent Document 2, a host computer having customer account information, a Web server that transmits input information from the customer's mobile phone to the card information management center, information related to customer transactions, and a customer from the Web server A card information management center for generating card information based on the application information of the customer and the existing account information of the customer of the host computer, a transmission server for transmitting a new account opening notification and card information to the mobile phone, and An automatic transaction apparatus that includes card information acquisition means for acquiring the card information from a mobile phone and performs transaction processing using the acquired card information is disclosed.
JP 2007-241359 A JP 2007-272378 A

However, since the prior art disclosed in Patent Document 1 stores authentication information that can be used only once in a mobile phone in advance, it does not realize that a legitimate user has lost the mobile phone before use. In this case, there is a problem that a third party who obtains the mobile phone can easily withdraw money using ATM relatively easily.
Moreover, since the prior art currently disclosed by patent document 2 memorize | stores card | curd information beforehand in a mobile telephone, it cannot prevent unauthorized use by the third party similarly to patent document 1. FIG.
The present invention has been made in view of such problems, and when customer attribute information received using a browser or application of a mobile terminal matches attribute information registered in the customer information database in advance, the customer is identified. The identification number to be identified is issued, imaged and transmitted to the mobile terminal, and the user is made to read the received identification number by the reading unit provided in the ATM, and is the identity by the identification number and attribute information input from the input unit It is an object of the present invention to provide a cardless payment system that enables withdrawal from an ATM without using a card and that has a high security level.

In order to solve such a problem, the present invention provides an automatic teller machine having at least a reading unit that reads an image displayed on a display unit provided in a portable terminal, and communicates with the portable terminal. An information providing means; a customer database in which at least one of attribute information composed of a user-specific ID, password, e-mail address, date of birth, mobile terminal unique identification number registered for the mobile terminal is recorded; A cardless payment system comprising: a management server that controls cash withdrawal, wherein the management server is a piece of attribute information relating to the user received from the portable terminal via the information providing means. Identification that identifies the user when it is confirmed that part or all matches part or all of the attribute information registered in advance in the customer database The identification number is imaged and transmitted to the portable terminal, the identification number imaged on the portable terminal is displayed on the display unit, and is imaged by the reading unit of the automatic teller machine. When the identification number is read, and authenticating the identity based on the read identification number and the attribute information displayed on the display unit, the cash is dispensed by the automatic teller machine. It is characterized by allowing.
In the cardless payment system of the present invention, an automatic teller machine having at least a reading unit for reading an image of a display unit provided in a portable terminal, information providing means for communicating with the portable terminal, and attribute information are recorded. A customer database, and a management server for controlling cash withdrawal. When the management server confirms that the attribute information received from the portable terminal via the information providing means matches the attribute information registered in the customer database in advance, it issues an identification number for identifying this customer, It is possible to withdraw cash from an automatic teller machine by authenticating the identity based on the identification number read by the reading unit and the attribute information input to the input unit. It is a system. Therefore, in the system of the present invention, there is no need to carry a cash card, and a cardless payment system with an increased security level can be provided.
According to a second aspect of the present invention, the mobile terminal transmits the attribute information of the user using a browser or an application.
The mobile terminal can input information from a web page using a browser. It is also possible to use an application provided in the mobile terminal. In the present invention, attribute information is transmitted to the information providing means using a browser or an application. Thereby, the utilization means according to the customer's circumstances can be selected.

According to a third aspect of the present invention, the management server receives customer information receiving means for receiving attribute information input from the portable terminal via the information providing means, and part or all of the received attribute information is stored in the customer database. When attribute information collating means for collating whether or not the attribute information is the same customer attribute information as that registered in advance, and when the attribute information collating means determines that the attribute information is the same customer Identification number issuing means for issuing the identification number, information updating means for recording the issued identification number in the customer database, image data generating means for generating image data of the issued identification number, The image data transmitting means for transmitting the generated image data to the portable terminal, and the identification number read by the reading unit of the automatic teller machine are input. An identification number receiving means for receiving attribute information, an identification number matching means for checking whether or not the received identification number and attribute information are related to the same customer, and received as a result of the matching And a withdrawal restriction releasing means for releasing the withdrawal restriction in the automatic teller machine when it is determined that the identification number and the attribute information are the same customer information.
The management server includes a plurality of steps in which a plurality of means are operated by software. For example, the customer information receiving unit executes an operation of receiving attribute information input from the portable terminal via the information providing unit. Further, the attribute information collating means collates whether or not a part or all of the received attribute information is the same customer attribute information as the attribute information registered in advance in the customer database. In this way, each means is operated by software, and the management server controls all the means. As a result, the management server can manage all the flow of operations in an integrated manner.

According to a fourth aspect of the present invention, the automatic teller machine includes an identification number extracting unit that extracts information relating to an identification number included in an image read by the reading unit, and an attribute information receiving unit that receives input of the attribute information. A means for transmitting the extracted identification number and attribute information to the management server; and a withdrawal for executing a withdrawal corresponding to the input when the withdrawal restriction is released by the withdrawal restriction releasing means And means.
The automatic teller machine according to the present invention includes a reading unit that reads an image on a display unit provided in the portable terminal in addition to the original function. And an identification number extracting means for extracting information relating to an identification number included in the image read by the reading section, an attribute information receiving means for receiving attribute information input from an input section provided in the automatic teller machine, A transmission unit that transmits the identification number and the attribute information to the management server; and a withdrawal unit that executes withdrawal of an amount corresponding to the input when the withdrawal restriction is released. As a result, the identification number information is extracted from the image of the mobile terminal and whether or not withdrawal is possible is executed, so that cash can be paid out without using a cash card.

According to a fifth aspect of the present invention, when the withdrawal is performed by the automatic teller machine, the management server invalidates the issued identification number.
In the present invention, when the withdrawal is executed, the identification number is invalidated so that the double withdrawal with the same identification number is not executed again. As a result, unauthorized withdrawal with the same identification number can be prevented in advance.
According to a sixth aspect of the present invention, the management server invalidates the issued identification number when a predetermined time elapses after the image data transmission means transmits the image data to the portable terminal.
It is conceivable that the mobile terminal is lost or stolen before the legitimate customer receives the identification number and withdraws it. The security level can be further increased by automatically invalidating the withdrawal based on the identification number after a predetermined time has elapsed since the identification number was issued. Thereby, it is possible to prevent occurrence of actual harm (withdrawal) against loss or theft of the mobile terminal.

According to a seventh aspect of the present invention, the management server calls the designated telephone number from the portable terminal, the telephone number of the portable terminal is recorded in the customer database, and the mail address designated in advance from the portable terminal When data indicating that the system is to be used is transmitted by e-mail, and the e-mail address of the transmitted portable terminal is recorded in the customer database, the URL is notified to the e-mail address, and the URL is accessed from the portable terminal. Thus, part or all of the attribute information can be input via a web page displayed on the mobile terminal.
When a user uses a browser, a call is made from a mobile terminal to a specified telephone number. The management server determines whether or not the telephone number is a registered customer. Next, data indicating that the system is to be used is mailed from a portable terminal to a designated mail address. The management server determines whether or not the customer is registered in advance from the telephone number and the mail address, and if it is a registered customer, notifies the URL to the mail address. The user can input attribute information via the information providing means by accessing this URL.
When sending URLs only when sending emails, a malicious third party obtains an email address that the user has used in the past, and impersonates the user before making a change notification to a financial institution. Security issues remain. Therefore, in the present invention, not only the mail transmission but also the confirmation by telephone call is performed to improve the security. Thereby, only authorized users are permitted to use the URL, and unauthorized access can be eliminated.

According to an eighth aspect of the present invention, the image data generating means generates a bar code or a two-dimensional code as image data.
When the contents of image data can be confirmed by looking at it, there is a concern that the image data is illegally created and the system is abused. Therefore, in the present invention, a barcode or a two-dimensional code is generated as image data. Thereby, the security level can be further increased. The two-dimensional code may be either a stack type or a matrix type such as a QR code (registered trademark).
According to a ninth aspect of the present invention, the reading unit is a bar code reader.
In many cases, the display unit of a portable terminal is configured with a liquid crystal screen. A non-contact reading method is suitable for reading a bar code or a two-dimensional code displayed on the liquid crystal screen. The present invention uses a barcode reader. Thereby, the image of a portable terminal can be read easily without contact.

According to a tenth aspect of the present invention, in the management server, the customer information receiving unit receives attribute information input from the mobile terminal via the web server, and the attribute information matching unit receives part or all of the received attribute information. And the identification number issuance means is identified by the attribute information collating means as a result of the collation by the attribute information collating means. A step of issuing a number, a step in which the information updating means records the issued identification number in a customer database, a step in which the image data generating means generates image data of the issued identification number, and an image data transmitting means However, the step of transmitting the generated image data to the portable terminal and the receiving means such as an identification number are read by the reading unit of the automatic teller machine. The received identification number and the attribute information input from the input unit, and the identification number matching means checks whether or not the received identification number and the attribute information are the same customer information by the customer database. When the step and the withdrawal restriction release means determine that the received identification number and attribute information are the same customer information as a result of the collation, the withdrawal restriction at the automatic teller machine is released. And a step.
The present invention has the same effects as those of the first aspect.
The management server invalidates the issued identification number when the withdrawal is executed by the automatic teller machine.
The present invention has the same effect as that of the fifth aspect.

According to a twelfth aspect of the invention, the management server invalidates the issued identification number when a predetermined time has elapsed since the image data transmitting means transmits the image data to the portable terminal.
The present invention has the same effect as that of the sixth aspect.
According to a thirteenth aspect of the present invention, when a mail is transmitted from the mobile terminal to a predetermined mail address and the mail address of the transmitted mail is recorded in the customer database, the management server notifies the mail address of the URL. Then, by accessing the URL from the mobile terminal, a part or all of the attribute information can be input via a web page displayed on the mobile terminal.
The present invention has the same effect as that of the seventh aspect.
A fourteenth aspect is characterized in that a program obtained by programming the settlement method according to any one of the tenth to thirteenth aspects in a computer-controllable manner is recorded in a computer-readable format.
By programming the settlement method of the present invention according to an OS that can be controlled by a computer, any computer equipped with the OS can be controlled by the same processing method. Then, by recording the settlement program on a recording medium in a computer-readable format, the program can be operated anywhere by carrying the recording medium.

According to the present invention, when the management server confirms that the attribute information received from the portable terminal via the information providing means matches the attribute information registered in advance in the customer database, the management server assigns an identification number for identifying the customer. Issuing, making an image, sending it to a portable terminal, and verifying the identity based on the identification number read by the reading unit of the automated teller machine and the attribute information entered in the input unit Since this system enables cash to be withdrawn from a machine, it is not necessary to carry a cash card, and a cardless payment system with a high security level can be provided.
Further, since attribute information is transmitted to the information providing means using a browser or an application, it is possible to select a utilization means that suits the customer's circumstances.
In addition, the management server includes each step in which a plurality of means are operated by software, each means is operated by software, and all the means are controlled by the management server. It is possible to manage the overall flow.

In addition to the original function, the automatic teller machine according to the present invention includes a reading unit that reads an image on a display unit provided in the portable terminal. And an identification number extracting means for extracting an identification number included in the image read by the reading section, an attribute information receiving means for receiving attribute information input from an input section provided in the automatic teller machine, an identification number, Since it includes a transmission means for transmitting attribute information to the management server and a withdrawal means for executing withdrawal of the amount according to the input when withdrawal restriction is canceled, the identification number is obtained from the image of the portable terminal. It is possible to pay out cash without using a cash card by extracting whether and withdrawing money and executing the withdrawal.
In addition, when the withdrawal is executed, the issued identification number is invalidated so that double withdrawal with the same identification number is not executed again, so that illegal withdrawals with the same identification number are prevented in advance. be able to.
In addition, the withdrawal with this identification number is automatically invalidated after a predetermined time has passed since the identification number was issued, so it is possible to prevent the occurrence of actual harm (withdrawal) against loss or theft of the mobile terminal. be able to.

Also, only the user who is approved by the telephone number and the e-mail address is notified of the URL. By accessing this URL, it becomes possible to input attribute information via a web page. It is possible to exclude improper access to URLs and unauthorized access to URLs.
Moreover, since a barcode or a two-dimensional code is generated as image data, the security level can be further increased.
Further, since the barcode reader is used when reading the identification number, the image of the portable terminal can be easily read without contact.

Hereinafter, the present invention will be described in detail with reference to embodiments shown in the drawings. However, the components, types, combinations, shapes, relative arrangements, and the like described in this embodiment are merely illustrative examples and not intended to limit the scope of the present invention only unless otherwise specified. .
FIG. 1 is a diagram showing a system configuration of a cardless payment system according to the present invention. The cardless payment system 100 includes an ATM (cash) having at least a reading unit 20 that reads an image 16 (cited from FIG. 1 of Japanese Patent No. 2938338) displayed on a display unit provided in a mobile phone (mobile terminal) 15. An automatic teller machine) 14, a web server (information providing means) 12 for communicating with the mobile phone 15, and a user-specific ID, password, e-mail address, date of birth, mobile phone specific registered for the mobile phone 15. It comprises a customer DB (customer database) 11 in which at least one of attribute information composed of identification numbers is recorded, and a management server 1 that controls cash withdrawal.
That is, the cardless payment system 100 of this embodiment includes at least an ATM 14 having a reading unit 20 that reads an image on a display unit provided in the mobile phone 15, a web server 12 that communicates with the mobile phone 15, and attribute information. It includes a recorded customer DB 11 and a management server 1 that controls the deposit and withdrawal of cash. When the management server 1 confirms that the attribute information received from the mobile phone 15 via the web server 12 matches the attribute information registered in advance in the customer DB 11, the management server 1 issues an identification number for identifying the customer. This is a system that enables cash to be withdrawn by the ATM 14 when it is authenticated and authenticated based on the identification number and attribute information read by the reading unit 20 after being imaged and transmitted to the mobile phone 15. Therefore, in the cardless payment system 100 of the present invention, it is not necessary to carry a cash card, and a cardless payment system with an increased security level can be provided.

In addition, the management server 1 has customer information receiving means 3 for receiving attribute information input from the mobile phone 15 via the web server 12, and part or all of the received attribute information is registered in the customer DB 11 in advance. Identification information is issued when it is determined that the attribute information of the same customer is the same as a result of the comparison by the attribute information matching means 6 and the attribute information matching means 6 for checking whether or not the attribute information is the same customer An identification number issuing means 7 for performing, an information updating means 5 for recording the issued identification number in the customer DB 11, an image data generating means 8 for generating image data of the issued identification number, and carrying the generated image data Input to the image data transmitting means 4 to be transmitted to the telephone 15 and the identification number read by the reading unit 20 (see FIG. 2) of the ATM 14 and the input unit (not shown) of the ATM 14 The identification number receiving means 3a for receiving the attribute information received, the identification number matching means 9 for collating by the customer DB 11 whether or not the received identification number and the attribute information are the same customer information, When it is determined that the received identification number and attribute information are the same customer information, the withdrawal restriction releasing means 10 for releasing the withdrawal restriction at the ATM 14, and the control unit 2 for controlling the synchronization of each means, , And is configured. Note that the identification number etc. receiving means 3 a may be executed by the customer information receiving means 3. Note that the image data generation unit 8 in the present embodiment generates a QR code as image data. However, it is not particularly limited to the QR code, and a one-dimensional bar code or other codes may be used.
That is, the management server 1 includes steps in which a plurality of means are operated by software. For example, the customer information receiving unit 3 performs an operation of receiving attribute information input from the mobile phone 15 via the web server 12. Moreover, the attribute information collating means 6 collates whether a part or all of the received attribute information is attribute information of the same customer registered in advance in the customer DB 11. In this way, each means is operated by software, and the management server 1 comprehensively controls all the means. Thereby, the management server 1 can manage all the flow of operation in an integrated manner.

Next, a schematic operation of the cardless payment system 100 will be described focusing on the management server. The management server 1 confirms that part or all of the attribute information relating to the user received from the mobile phone 15 via the web server 12 matches part or all of the attribute information registered in the customer DB 11 in advance. Then, an identification number that identifies the user is issued, imaged, and transmitted to the mobile phone 15. The user displays the identification number imaged on the display unit of the mobile phone 15, and the user himself / herself based on the identification number displayed on the display unit read by the reading unit 20 and the attribute information input to the input unit. If it is authenticated, cash is allowed to be withdrawn by the ATM 14.
FIG. 2 is a diagram showing the functional blocks of ATM constituting the cardless payment system according to the present invention. The ATM 14 includes a reading unit 20 that reads image data displayed on the display unit of the mobile phone 15, an identification number extracting unit 22 that extracts an identification number included in the image data read by the reading unit 20, and an input unit (see FIG. The attribute information receiving means 23 for receiving input of attribute information from the control server 1, the transmission means 24 for transmitting the extracted identification number and attribute information to the management server 1, and the withdrawal restriction releasing means 10 of the management server 1. When the restriction on money is released, it comprises a withdrawal means 25 that executes withdrawal of an amount according to the input, and a control unit 21 that controls the synchronization of each means.

That is, the ATM 14 according to the present embodiment includes a reading unit 20 that reads an image on a display unit provided in the mobile phone 15 in addition to the original function (cash deposit and withdrawal function). And the identification number extraction means 22 which extracts the identification number contained in the image data (QR code) read by the reading part 20, The attribute information reception means 23 which receives the attribute information input from the input part with which ATM14 was provided, , A transmission means 24 for transmitting the identification number and attribute information to the management server 1 and a withdrawal means 25 for executing withdrawal of an amount corresponding to the input when the withdrawal restriction is released. As a result, the identification number is extracted from the image data displayed on the mobile phone 15 to determine whether or not the withdrawal is possible, the withdrawal is executed, and the cash can be paid out without using the cash card.
The display unit of the mobile phone 15 is often configured with a liquid crystal screen. A non-contact reading method is suitable for reading the image data displayed on the liquid crystal screen. In the present embodiment, a barcode reader is used as the reading unit 20. Thereby, the image data of the mobile phone 15 can be easily read without contact.

3 and 4 are flowcharts for explaining the operation when the cardless payment system of the present invention is operated using a browser of a mobile phone. This will be described with reference to FIGS. Reference is first made to FIG. When using the browser, first, a call is made from the mobile phone 15 to a telephone number designated in advance (S19), the caller ID is received by the IVR, and collation with the customer DB 11 is performed (S20). Thereafter, a mail is transmitted from the mobile phone 15 to a predetermined mail address (S1). As a result, the management server 1 authenticates that the user of the mobile phone 15 is a registered user, and automatically returns a mail specifying the URL to the registered mail address (S2). The user clicks on the URL and proceeds to the authentication page (S3). Then, the password 32 (see FIG. 6) and the date of birth 35 (see FIG. 6) registered in advance are input (S4) and transmitted (S5). At this time, the mobile phone individual identification number 37 (see FIG. 6) is also transmitted. The management server 1 receives the information by the customer information receiving unit 3 and collates with the attribute information registered in the customer DB 11 by the attribute information collating unit 6 (S6). If the attribute information registered in the customer DB 11 does not match as a result of the collation (NO in S7), it is checked whether or not there is a predetermined number of times (S22). If the predetermined number of times has not been reached (NO in S22), An input is requested (S21), and the process returns to step S4. If the predetermined number of times has been reached in step S22 (YES in S22), the withdrawal restriction releasing means 10 restricts the withdrawal and disables the withdrawal (S23). Then, the communication is automatically transmitted to the financial institution, and the institution confirms the identity to the user from the financial institution (S24). If it is confirmed that the user is the person himself / herself, the unlocking application method is guided (S25), the process proceeds to step S18 in FIG.
On the other hand, if the attribute information registered in the customer DB 11 matches the result of the collation in step S7 (YES in S7), the identification number issuing means 9 issues the customer identification number 36 (see FIG. 6) (S8). Then, the identification number is recorded in the customer DB 11 by the information updating means 7 (S9). Then, the issued identification number is generated as image data (QR code) by the image data generation means 8, and the image data transmission means 4 transmits the image data to the user's mobile phone 15, and the display unit of the mobile phone 15 QR code is displayed on (S10).

  Reference is now made to FIG. The user who has confirmed the QR code causes the ATM-installed reading unit (barcode reader) 20 to read the QR code (S11), and subsequently receives the password and is received by the ATM attribute information receiving means 23 (S12). ). An identification number is extracted from the QR code by the identification number extraction means 22 of the ATM 14 and transmitted to the management server 1 by the transmission means 24. In the management server 1, the identification number received by the identification number receiving means 3a and the password are collated with the contents of the customer DB 11 (see FIG. 6) by the identification number collating means 9 to check whether or not they match (S13). . As a result of the verification, if they do not match (NO in S13), if the password is input again (YES in S26), the process returns to step S12. If the password is not input (NO in S26), the process proceeds to step S18. The customer DB 11 is updated by the updating means 5 (S18).

On the other hand, if they match in step S13 (YES in S13), it is checked whether or not the QR code is received for the first time (S14). If it is the first time (YES in S14), it is next checked whether or not a predetermined time has elapsed since the QR code was displayed (S15). If it is within the predetermined time (YES in S15), the user inputs the withdrawal amount from the input part of the ATM 14 (S16). If the amount is appropriate, the management server 1 sends a withdrawal permission signal to the ATM 14 by the withdrawal restriction releasing means 10, and the ATM 14 withdraws the withdrawal amount from the withdrawal means 25 by the signal ( S17), the customer DB 11 is updated by the information updating means 5 (S18). If the QR code is not read for the first time in step S14 (NO in S14), or if a predetermined time has elapsed since the display of the QR code in S15 (NO in S15), an error occurs ( S27), the process proceeds to step S18, and the customer DB 11 is updated by the information updating means 5 (S18).
That is, when the user uses the browser, the mobile phone 15 calls the designated telephone number. The management server 1 determines whether or not the telephone number is a registered customer. Next, data indicating that the system is used is mailed from the mobile phone 15 to a designated mail address. The management server 1 determines whether or not the customer is registered in advance from the telephone number and the mail address, and if it is a registered customer, notifies the URL to the mail address. The user can input attribute information via the web server 12 by accessing this URL (web page). As a result, the URL is notified only to the user who is approved by the telephone number and the e-mail address, and only the authorized user is permitted to use the URL, so that unauthorized access can be eliminated.

  FIG. 5 is a flowchart for explaining the operation when the cardless payment system of the present invention is operated using an application (downloaded in advance) provided in the mobile phone. This will be described with reference to FIGS. When operating the cardless payment system, the user activates an application provided in the mobile phone 15 (S30). Then, the password and date of birth registered in advance are input (S31) and transmitted (S32). At this time, the mobile phone individual identification number is also transmitted. The management server 1 receives the information by the customer information receiving means 3, and collates with the attribute information registered in the customer DB 11 by the attribute information collating means 6 (S33). If the attribute information registered in the customer DB 11 does not match as a result of the collation (NO in S34), it is checked whether or not there is a predetermined number of times (S47). If the predetermined number has not been reached (NO in S47), An input is requested (S46), and the process returns to step S31. If the predetermined number of times has been reached in step S47 (YES in S47), the withdrawal restriction releasing means 10 restricts the withdrawal and disables the withdrawal (S48). Then, the communication is automatically transmitted to the financial institution, and the institution confirms the identity to the user from the financial institution (S49). When it is confirmed that the user is the person himself / herself, the unlocking application method is guided (S50), and the process proceeds to step S45 to update the customer DB 11 by the information updating means 5 (S45).

On the other hand, if the attribute information registered in the customer DB 11 matches the result of the collation in step S34 (YES in S34), the identification number of the customer is issued by the identification number issuing means 9 (S35), and the information updating means 7 An identification number is recorded in the customer DB 11 (S36). Then, the issued identification number is generated as image data (QR code) by the image data generation means 8, and the image data transmission means 4 transmits the image data to the user's mobile phone 15, and the display unit of the mobile phone 15 The QR code is displayed on (S37).
The user who has confirmed the QR code reads the QR code with the ATM-installed reading unit (barcode reader) 20 (S38), and subsequently receives the password and is received by the ATM attribute information receiving means 23 (S39). An identification number is extracted from the QR code by the identification number extraction means 22 of the ATM 14 and transmitted to the management server 1 by the transmission means 24. In the management server 1, the identification number received by the identification number etc. receiving means 3a and the password are checked against the contents of the customer DB 11 by the identification number checking means 9 to check whether they match (S40). As a result of the verification, if they do not match (NO in S40), if the password is input again (YES in S51), the process returns to step S39. If the password is not input (NO in S51), the process proceeds to step S45. The customer DB 11 is updated by the updating means 5 (S45).

On the other hand, if they match in step S40 (YES in S40), it is checked whether or not the QR code is received for the first time (S41). If it is the first time (YES in S41), it is next checked whether or not a predetermined time has elapsed since the QR code was displayed (S42). If it is within the predetermined time (YES in S42), the user inputs the withdrawal amount from the input part of the ATM 14 (S43). If the amount is appropriate, the management server 1 sends a withdrawal permission signal to the ATM 14 by the withdrawal restriction releasing means 10, and the ATM 14 withdraws the withdrawal amount from the withdrawal means 25 by the signal ( S44), the customer DB 11 is updated by the information updating means 5 (S45). If the QR code is not read for the first time in step S41 (NO in S41), or if a predetermined time has elapsed since the display of the QR code in S42 (NO in S42), an error occurs ( In step S52, the process proceeds to step S45, where the customer DB 11 is updated by the information updating means 5 (S45).
That is, information can be input to the mobile phone 15 from a web page using a browser. It is also possible to use an application provided in the mobile phone 15. In this embodiment, attribute information is transmitted to the web server 12 using a browser or an application. Thereby, the utilization means according to the customer's circumstances can be selected.

Further, when the withdrawal by the customer is executed, the identification number input from the mobile phone 15 becomes unnecessary. Therefore, in this embodiment, when the withdrawal is executed, the identification number is invalidated so that the double withdrawal with the same identification number is not executed again. Note that the issued identification number may be deleted from the customer DB 11. As a result, unauthorized withdrawal with the same identification number can be prevented in advance.
Further, it is conceivable that the cellular phone 15 is lost or stolen before the legitimate customer receives the identification number and withdraws it. The security level can be further increased by automatically invalidating the withdrawal based on the identification number after a predetermined time has elapsed since the identification number was issued. Note that the issued identification number may be deleted from the customer DB 11. Thereby, the occurrence of actual damage (withdrawal) against loss or theft of the mobile phone 15 can be prevented in advance.
Further, it is preferable that the contents of the image data cannot be confirmed at a glance. Therefore, in this embodiment, a QR code is generated as image data. Thereby, the security level can be further increased.

FIG. 6 is a diagram showing an example of recorded contents of the customer DB provided in the cardless payment system of the present invention. In the customer DB 11, for example, the name 30 of each customer, an ID 31 for identifying the customer, a password 32 specified by the customer, a mail address 33 of the mobile phone owned by the customer, a telephone number 34 of the mobile phone, a date of birth 35 of the customer The identification number 36 to be transmitted to the customer when authenticated, the mobile phone individual identification number 37 that the mobile phone uniquely has, and the like are recorded. Information other than this may be recorded.
For example, when the name 30 is “XXX”, the ID 31 is “00001”, the password 32 is “***”, the mail address 33 is “... @. Co.jp”, and the telephone number 34. Is “090-****-****”, the birth date 35 is “S50.1.1”, the identification number 36 is “***”, and the mobile phone individual identification number 37 is “***”. / ****** / ****** "is recorded. Thereafter, the attribute information and the identification number 36 of each customer are recorded in the same manner. The identification number is issued at every withdrawal, and image data in which the identification number is embedded as information is displayed on the customer's mobile phone.

The present invention is not limited only to the above-described embodiments. Each function constituting the cardless payment system of the above-described embodiment is programmed, written in advance on a recording medium such as a CD-ROM, and the CD-ROM is mounted on a medium driving device such as a CD-ROM drive mounted on a computer. It goes without saying that the object of the present invention is achieved by installing a ROM or the like, storing these programs in a memory or storage device of a computer, and executing them. In this case, the program itself read from the recording medium realizes the functions of the above-described embodiment, and the program and the recording medium recording the program also constitute the present invention.
As a recording medium for storing the program, a semiconductor medium (for example, ROM, nonvolatile memory card, etc.), an optical medium (for example, DVD, MO, MD, CD, etc.), a magnetic medium (for example, magnetic tape, flexible disk, etc.) ) Or the like.

Further, not only the functions of the above-described embodiment are realized by executing the loaded program, but also the above-described implementation by cooperating with the operating system or other application programs based on the instructions of the program. The case where the function of the form is realized is also included.
In addition, when distributing to the market, the program is stored and distributed on a portable recording medium, or the program is stored in a storage device of a server computer connected via the Internet or the like. Can also be transferred to other computers. In this case, the storage device of this server computer is also included in the recording medium of the present invention.
In the computer, the functions of the above-described embodiments are realized by installing a program on a portable recording medium or a transferred program on a recording medium connected to the computer and executing the installed program. Is done.

It is a figure which shows the system configuration | structure of the cardless payment system which concerns on this invention. It is a figure which shows the functional block of ATM which comprises the cardless payment system which concerns on this invention. It is a flowchart (the 1) explaining operation | movement at the time of operating the cardless payment system of this invention using the browser of a mobile telephone. It is a flowchart (the 2) explaining operation | movement at the time of operating the cardless payment system of this invention using the browser of a mobile telephone. It is a flowchart explaining the operation | movement at the time of operating the cardless payment system of this invention using the application with which a mobile telephone is provided. It is a figure which shows an example of the recording content of customer DB with which the cardless payment system of this invention was equipped.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 Management server, 2 Control part, 3 Customer information receiving means, 4 Image data transmission means, 5 Information update means, 6 Attribute information collation means, 7 Identification number issuing means, 8 Image data generation means, 9 Identification number collation means, 10 Withdrawal restriction release means, 11 Customer DB, 12 Web server, 13 Network, 14 ATM, 15 Mobile phone, 16 QR code, 20 Reading section, 21 Control section, 22 Identification number extraction means, 23 Attribute information receiving means, 24 Send Means, 25 withdrawal means, 100 cardless payment system

Claims (14)

An automatic teller machine having at least a reading unit for reading an image displayed on a display unit provided in a portable terminal;
Information providing means for communicating with the portable terminal;
A customer database in which at least one of attribute information composed of a user-specific ID, password, email address, date of birth, mobile terminal unique identification number registered for the mobile terminal is recorded;
A management server that controls the withdrawal of cash;
A cardless payment system with
In the management server, a part or all of the attribute information relating to the user received from the mobile terminal via the information providing unit matches a part or all of the attribute information registered in the customer database in advance. If confirmed, the identification number for identifying the user is issued, the identification number is imaged and transmitted to the portable terminal, the identification number imaged on the portable terminal is displayed on the display unit, and the cash When the identification number imaged by the reading unit of the automatic teller machine is read and authenticating the identity based on the read identification number and the attribute information displayed on the display unit, the cash A cardless payment system characterized by allowing cash to be withdrawn by an automated teller machine.   The cardless payment system according to claim 1, wherein the mobile terminal transmits the attribute information of the user using a browser or an application. The management server includes customer information receiving means for receiving attribute information input from the portable terminal via the information providing means;
Attribute information collating means for collating whether or not a part or all of the received attribute information is the same customer attribute information as the attribute information registered in advance in the customer database;
As a result of collation by the attribute information collating unit, when it is determined that the attribute information is the same customer, an identification number issuing unit that issues the identification number;
Information updating means for recording the issued identification number in the customer database;
Image data generating means for generating image data of the issued identification number;
Image data transmitting means for transmitting the generated image data to the portable terminal;
An identification number receiving means for receiving the identification number read by the reading unit of the automatic teller machine and the attribute information input from the input unit;
An identification number verification means for verifying whether or not the received identification number and the attribute information are information relating to the same customer by the customer database;
As a result of the collation, when it is determined that the received identification number and attribute information are the same customer information, a withdrawal restriction releasing means for releasing the withdrawal restriction in the automatic teller machine is provided. The cardless payment system according to claim 1 or 2.   The automatic teller machine includes an identification number extracting unit that extracts information relating to an identification number included in an image read by the reading unit, an attribute information receiving unit that receives input of the attribute information, and the extracted A transmission unit that transmits an identification number and attribute information to the management server; and a withdrawal unit that executes withdrawal of an amount corresponding to an input when the withdrawal restriction is released by the withdrawal restriction release unit. The cardless payment system according to any one of claims 1 to 3, wherein the cardless payment system is provided.   The cardless according to any one of claims 1 to 4, wherein the management server invalidates the issued identification number when a withdrawal is performed by the automatic teller machine. Payment system.   5. The management server invalidates an issued identification number when a predetermined time has elapsed since image data was transmitted to the portable terminal by the image data transmitting means. The cardless payment system according to claim 1.   The management server calls the designated telephone number from the portable terminal, records the telephone number of the portable terminal in the customer database, and uses the system for a mail address designated in advance from the portable terminal. Data is transmitted by e-mail, and when the e-mail address of the transmitted portable terminal is recorded in the customer database, the URL is notified to the e-mail address, and the portable terminal is accessed by accessing the URL. The cardless payment system according to any one of claims 1 to 6, wherein a part or all of the attribute information can be input via a web page displayed on the screen.   The cardless payment system according to claim 3, wherein the image data generation unit generates a barcode or a two-dimensional code as image data.   The cardless payment system according to claim 1, wherein the reading unit is a bar code reader. The management server includes a step in which customer information receiving means receives attribute information input from a mobile terminal via a web server;
A step of collating whether or not part or all of the received attribute information is the same customer attribute information;
When the identification number issuing means determines that the attribute information of the same customer is the result of matching by the attribute information matching means, issuing the identification number;
The information updating means records the issued identification number in the customer database;
An image data generating means for generating image data of the issued identification number;
An image data transmitting means for transmitting the generated image data to the portable terminal;
A receiving unit such as an identification number receiving the identification number read by the reading unit of the automatic teller machine and the input attribute information;
An identification number collating unit collating with the customer database whether the received identification number and attribute information are the same customer information;
When the withdrawal restriction releasing means determines that the received identification number and attribute information are the same customer information as a result of the collation, releasing the withdrawal restriction in the automatic teller machine; and A cardless payment method characterized by comprising:   The cardless payment method according to claim 10, wherein the management server invalidates the issued identification number when a withdrawal is executed by the automatic teller machine.   11. The card according to claim 10, wherein the management server invalidates the issued identification number when a predetermined time elapses after image data is transmitted to the portable terminal by the image data transmitting unit. Less payment method.   The management server calls the designated telephone number from the portable terminal, the telephone number of the portable terminal is recorded in the customer database, and is sent by e-mail from the portable terminal to a predetermined e-mail address. When the address is recorded in the customer database, the URL is notified to the mail address, and when the URL is accessed from the mobile terminal, one of the attribute information is displayed via a web page displayed on the mobile terminal. The cardless payment method according to claim 10, wherein a part or all of the inputs are permitted.   14. A recording medium on which a computer-readable program programmed with the cardless payment method according to claim 10 is recorded in a computer-readable format.

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