JP2013105490A - セルフサービス端末装置トランザクション - Google Patents
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- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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Abstract
【解決手段】セルフサービス端末装置を利用する顧客は、金融サービスで金融トランザクションを事前準備する。その後、顧客はATMなどのSSTを訪れ、次に検証のため、また事前準備金融トランザクションを識別するために移動トランザクションサービス(金融サービスと同じであってもよい)へ送信されるコードをSSTから自動的に取得する。SSTは金融サービスと対話してSSTの顧客のためにトランザクションを完了する。
【選択図】図1
Description
Claims (12)
- 前記セルフサービス端末装置で後ほど実行するために事前準備されたトランザクションを顧客から受信するステップ(ステップ502)と、
前記受信したトランザクションを前記顧客の顧客識別子と共に記憶するステップ(ステップ504)と、
その後、前記顧客がセルフサービス端末装置に位置するときに、前記顧客から(i)セルフサービス端末装置識別メッセージと(ii)前記顧客識別子とを受信するステップ(ステップ506)と、
前記受信した顧客識別子に関連付けられた前記記憶済みトランザクションを識別するステップ(ステップ508)と、
前記セルフサービス端末装置識別メッセージを認証するステップ(ステップ514)と、
前記セルフサービス端末装置識別メッセージの認証時に前記識別された記憶済みトランザクションを前記セルフサービス端末装置へ送信するステップ(ステップ516)と、
の各ステップを含むセルフサービス端末装置におけるトランザクション処理方法。 - セルフサービス端末装置で後ほど実行するために事前準備されたトランザクションを顧客から受信するステップが、前記顧客が前記トランザクション要求を作成するために使用する移動アプリケーションによって自動的に送信される顧客識別子を受信するサブステップを含む、請求項1に記載のトランザクション処理方法。
- 前記顧客から(i)セルフサービス端末装置識別メッセージを受信するステップが、コード生成情報、コード満了情報、及びGPS測位情報を含むデータ文字列を移動アプリケーションから受信するサブステップを含む、請求項1又は2に記載のトランザクション処理方法。
- 前記顧客から(ii)前記顧客識別子を受信するステップが、通信の一部として移動アプリケーションによって自動的に送信された顧客識別子を受信するサブステップを含む、請求項1から3のいずれかに記載のトランザクション処理方法。
- セルフサービス端末装置識別メッセージを作成するステップと、セルフサービス端末装置で後ほど実行するためにトランザクション要求を顧客から受信するステップに先立って、前記作成されたセルフサービス端末装置識別メッセージをセルフサービス端末装置へ送信するステップとをさらに含む、請求項1から4のいずれかに記載のトランザクション処理方法。
- 前記セルフサービス端末装置識別メッセージを認証するステップが、作成されたセルフサービス端末装置識別メッセージを前記データ文字列からの対応する情報と比較するステップを含む、請求項5に記載のトランザクション処理方法。
- 顧客に情報を提示するディスプレイと、
(i)ウェブサービスと通信してそこからセルフサービス端末装置識別メッセージを要求し、(ii)前記セルフサービス端末装置識別メッセージを受信し、(iii)前記受信したセルフサービス端末装置識別メッセージを可視コードに変換し、(iv)前記可視コードを前記ディスプレイ上に表示し、(v)前記ウェブサービスから受信した要求に応答してトランザクションを実行するように動作可能なコントローラと
を備えるセルフサービス端末装置。 - 前記可視コードが、2Dバーコードを有する、請求項7に記載のセルフサービス端末装置。
- 前記コントローラが、(vi)前記セルフサービス端末装置識別メッセージの満了を識別し、(vii)前記セルフサービス端末装置識別メッセージの満了の検出に応答してステップ(i)〜(iv)を繰り返すようにさらに動作可能である、請求項7又は8に記載のセルフサービス端末装置。
- 前記コントローラが、顧客が前記セルフサービス端末装置にアクセスを要求する必要なしに前記ウェブサービスから受信した要求に応答してトランザクションを実行するように動作可能である、請求項1から9のいずれかに記載のセルフサービス端末装置。
- 前記コントローラは、前記顧客が前記セルフサービス端末装置に正しい個人識別番号を入力した後で初めて前記ウェブサービスから受信した要求に応答してトランザクションを実行するように動作可能である、請求項1から10のいずれかに記載のセルフサービス端末装置。
- 前記セルフサービス端末装置は、キャッシュディスペンサを含むATMを備える、請求項1から11のいずれかに記載のセルフサービス端末装置。
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US13/296,359 | 2011-11-15 | ||
US13/296,359 US9922370B2 (en) | 2011-11-15 | 2011-11-15 | Techniques for automated teller machine (ATM) transactions |
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