JP2013122684A - Financial transaction system, financial institution terminal, transaction method for financial transaction system, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a highly secured and convenient financial transaction system.SOLUTION: A financial transaction system SY comprises an ATM 1, a financial institution server 2, and a portable device 3. The portable device 3 comprises: an input unit 310 for inputting transaction information necessary for a financial transaction including an account number and a personal identification number; an encryption unit 320 for encrypting the transaction information; an encrypted information storage unit 330 for storing encrypted information in which the transaction information is encrypted; and an encrypted information transmission unit 340 for transmitting the encrypted information to the ATM 1. The financial institution server 2 comprises: a decryption unit 220 for decrypting the encrypted information acquired from the portable device 3 via the ATM 1; and a transaction processing unit 230 for performing transaction processing on the basis of the decrypted transaction information.

Description

  The present invention relates to a financial transaction system that performs various financial transactions using ATM, a financial institution terminal, and a transaction method and program for the financial transaction system.

  Conventionally, patent document 1 is known as this kind of technique. The financial transaction system described in Patent Document 1 includes an ATM (Automatic teller machine) capable of inputting an arbitrary number of PINs, an input PIN number of an arbitrary digit, and a password stored in advance. And a host device for determining whether the numbers match or not. Generally, a financial institution such as a bank is required to input a four-digit password at the time of financial transactions. Compared with a method of fixing the number of digits of such a password, it is described in Patent Document 1. The financial transaction system has the advantage that it is difficult to estimate a personal identification number by a third party and that the effect of preventing fraud is high.

JP 2007-87078 A

  By the way, as an illegal act of ATM, a technique is known in which an ATM operation (movement of a finger when inputting a password) is photographed with a hidden camera and a password is read. However, this technique cannot be dealt with by the method of Patent Document 1 described above. Therefore, there is a financial institution that employs a so-called numeric keypad shuffle function that changes the numeric keypad layout for each transaction to prevent analogy of a password.

  However, if the arrangement of the numeric keys is changed, there is a problem that not only it takes time to input the personal identification number but also erroneous input increases. For this reason, the waiting time of ATM becomes long, and there are many inconveniences for customers.

  In view of the above problems, an object of the present invention is to provide a financial transaction system, a financial institution terminal, and a transaction method and program for a financial transaction system that are highly safe and convenient.

  The financial transaction system of the present invention is a financial transaction system comprising a financial institution terminal and a customer device that can communicate with the financial institution terminal, wherein the customer device is information necessary for the financial transaction and has an account number An input unit for inputting transaction information including a personal identification number, an encryption unit for encrypting the transaction information, an encryption information storage unit for storing the encrypted information obtained by encrypting the transaction information, and the encrypted information for the financial institution A financial institution terminal that decrypts the encrypted information acquired from the customer device, and a transaction process that performs a transaction process based on the decrypted transaction information. And a section.

  A transaction method for a financial transaction system according to the present invention is a transaction method for a financial transaction system comprising a financial institution terminal and a customer device that can communicate with the financial institution terminal. A step of inputting transaction information including an account number and a personal identification number; a step of encrypting the transaction information; a step of storing encrypted information obtained by encrypting the transaction information; and a step of storing the encrypted information in a financial institution terminal. And a step of decrypting the encrypted information acquired from the customer device and performing a transaction process based on the decrypted transaction information. Features.

According to these configurations, since transaction information including an account number and a password can be stored in advance in the customer device, it is not necessary to input the password when operating the financial institution terminal (ATM). For this reason, there is no worry that the password can be read by a hidden camera or the like. In addition, since the account number and the like are stored in advance, the trouble of inputting these can be saved, so that transactions can be performed quickly. This increases the operating rate of the financial institution terminal and reduces the waiting time of the customer. Further, since the transaction information is transmitted as encrypted information, there is no fear of being read illegally even in the case of wireless communication.
A financial institution terminal refers to a terminal group consisting of an ATM alone or an ATM and an ATM upper server. A financial transaction refers to various transactions that can be executed using ATM.

  In the above financial transaction system, the encryption information storage unit stores the encryption information in combination with a password for enabling transmission of the encryption information, and the encryption information transmission unit is conditional on the input of the password. The encrypted information is transmitted to the financial institution terminal.

  According to this configuration, since it is necessary to input a password to transmit the encrypted information to the financial institution terminal, security can be ensured even if the customer device is lost. Also, since this password is different from the password required for financial transactions, the risk is low even if it is read by a third party.

  In the financial transaction system, the financial institution terminal includes a specific processing signal transmission unit that transmits a specific processing signal to the customer device when the transaction processing unit executes a specific process with a customer operation. Further, it is characterized in that it further includes a warning unit that issues a warning when the specific processing signal is not received within a predetermined time after the transmission of the encrypted information.

  According to this configuration, when the customer forgets the operation for the specific process and leaves the financial institution terminal (ATM), a warning can be given. Examples of the specific process include a cash discharge process at the time of cash withdrawal, a statement issuance process at the time of withdrawal, deposit and transfer, a passbook discharge process at the time of bankbook entry, and the like.

  In the financial transaction system described above, the encrypted information transmission unit functions when a dedicated application installed on the customer device is activated, and the financial institution terminal transmits an end signal indicating the end of transaction processing to the customer device. The customer device further includes an application control unit that terminates the dedicated application upon reception of the termination signal.

According to this configuration, since the dedicated application is terminated at the end of the transaction process, the customer can save the trouble of terminating the dedicated application. Moreover, since the termination of the dedicated application is not forgotten, it is possible to prevent erroneous operations and unauthorized operation of customer devices by third parties. Moreover, since an encryption information transmission part functions by installation of a dedicated application, a smart phone and various tablet terminals can be utilized as a customer device.
Note that the dedicated application may function as an input unit, an encryption unit, and an encryption information storage unit as well as the encryption information transmission unit.

  In the above financial transaction system, the financial institution terminal further includes a transaction processing result transmission unit that transmits the transaction processing result of the transaction processing unit to the customer device, and the customer device stores the transaction processing result storage unit that stores the transaction processing result Is further provided.

  According to this configuration, the transaction history can be stored in the customer device. Further, since the transaction processing result is used instead of the usage statement, it is possible to save paper resources by making it unnecessary to issue the usage statement.

  In the above financial transaction system, the encrypted information transmission unit transmits the encrypted information with an email address added thereto, and the financial institution terminal transmits the transaction processing result of the transaction processing unit with the email address as the destination. An electronic mail transmission unit is further provided.

According to this configuration, for example, by adding the e-mail address of the home PC to the encrypted information and transmitting it, the transaction processing result can be transmitted to the home PC and used for household account book management and the like. In addition, since membership registration or the like for using the transaction processing result transmission service is not required, customers who are worried about leakage of personal information can use the transmission service easily.
Instead of sending the encrypted information with an e-mail address, the e-mail address is registered as part of the transaction information, and the encrypted information including the e-mail address is stored in the financial institution terminal. You may send to.

  In the financial transaction system, the encryption information storage unit stores a plurality of pieces of encryption information, and the encryption information transmission unit transmits selected encryption information among the plurality of pieces of encryption information to the financial institution terminal. It is characterized by doing.

  According to this configuration, for example, encryption information can be registered for each transaction content or transaction account, and can be used properly according to the situation.

  In the above-described financial transaction system, the transaction information includes at least one information among a transaction account type, transaction content, and transaction amount.

  According to this configuration, since it is possible to save the trouble of inputting the transaction account type, transaction content, transaction amount, and the like, it is possible to conduct transactions more quickly.

  A financial institution terminal according to the present invention is used in the above-described financial transaction system.

  The program according to the present invention causes a computer to execute each step in the transaction method of the financial transaction system.

  By using these financial institution terminals and programs, a highly secure and convenient financial transaction system or a transaction method of the financial transaction system can be realized.

It is a system configuration figure of a financial transaction system concerning one embodiment of the present invention. It is a functional block diagram of a financial transaction system. It is a figure which shows the example of a display of the main menu screen and transaction information registration screen of a portable device. It is a figure which shows the example of a display of the transaction processing result notification setting screen and encryption information selection screen of a portable device. It is a figure which shows the example of a display of the password input screen and transaction history display screen of a portable device. It is a figure which shows the example of a display of the warning screen and operation guidance screen of a portable device. It is a figure which shows the example of a display of the menu screen and transaction confirmation screen of ATM. It is a figure which shows the example of a display of the ATM operation guidance screen and the transaction end screen. It is a flowchart which shows the flow of transaction processing. It is a flowchart which shows the flow of a transaction process following FIG.

  Hereinafter, a financial transaction system, a financial institution terminal, a transaction method of the financial transaction system, and a program according to the present invention will be described with reference to the accompanying drawings. FIG. 1 is a system configuration diagram of a financial transaction system SY according to an embodiment of the present invention. As shown in the figure, the financial transaction system SY includes an ATM 1 installed in a store of a financial institution or a convenience store, a financial institution server 2 which is an upper server of the ATM 1, and a mobile device 3 ( Customer device) and a customer PC 4 placed at the customer's home or the like.

  The ATM 1 is connected to the financial institution server 2 via a network NT such as the Internet. The financial institution server 2 is connected to the customer PC 4 via the network NT. The ATM 1 performs NFC communication with the mobile device 3. Here, NFC (Near Field Communication) is one of RFID technologies using short-range wireless communication. For example, when performing payment by electronic money, data communication is performed at a distance of about 10 to 100 mm. Widely used in The portable device 3 performs NFC communication with the ATM 1 at the time of transaction processing by being deceived by the customer by the ATM 1 or arranged at a predetermined arrangement location provided in the ATM 1.

  Although FIG. 1 illustrates a system configuration in which each component is provided one by one, a configuration in which a plurality of ATMs 1 and a plurality of customer PCs 4 are connected to one financial institution server 2. It may be. Further, the “financial institution terminal” of the present invention refers to the ATM 1 and the financial institution server 2 indicated by the dotted frame in the figure.

  The ATM 1 includes an NFC unit 11 for performing NFC communication with the portable device 3 (NFC chip 32), and an operation panel 12. The operation panel 12 includes a liquid crystal panel and a touch pad, and is used for displaying various information and performing various operations.

  The portable device 3 includes a dedicated application 31, an NFC chip 32 for performing wireless communication with the ATM 1 (NFC unit 11), an electronic mail application 33 for transmitting and receiving electronic mail, encrypted information, transaction history, and the like. An internal memory 34 for storing and a touch panel 35 for displaying various information and performing various operations are provided. Note that a notebook personal computer, a smartphone, a mobile phone, and other various tablet terminals can be applied as the portable device 3.

  Here, the encrypted information refers to information obtained by encrypting transaction information necessary for financial transactions. Transaction information refers to transaction details, transaction bank, transaction account type, account number, transaction amount, password, etc. (see FIG. 3B). The dedicated application 31 is used for inputting such transaction information, encryption, registration / transmission of encrypted information, and the like. The dedicated application 31 is downloaded from a download website (not shown) when the mobile device 3 has an Internet connection function. Alternatively, the portable device 3 in which the dedicated application 31 is previously incorporated may be used at the time of factory shipment. On the other hand, the electronic mail application 33 is used to receive a transaction processing result from the financial institution server 2 by electronic mail.

  The customer PC 4 includes an e-mail application 41 for sending and receiving e-mails and a hard disk 42 for storing transaction history and the like. The e-mail application 41 is used to receive the transaction processing result from the financial institution server 2, similarly to the e-mail application 33 of the mobile device 3. Note that the customer PC 4 is not an essential component of the financial transaction system SY, and the customer wishes to notify the mobile device 3 of the transaction processing result (on the transaction processing result notification setting screen described later, the mobile device 3 When the e-mail address is registered, the customer PC 4 is not necessary (see FIG. 4A).

  The financial institution server 2 stores a transaction processing program 21, a customer database 22 for storing customer information (customer personal information, account information, etc.), a transaction log by the transaction processing program 21, and a system operating status of the financial transaction system SY. And a transaction management database 23. The transaction processing program 21 is a series of transactions such as decryption of encrypted information transmitted from the mobile device 3 via ATM1, authentication of the decrypted transaction information, deposit / withdrawal processing based on authenticated transaction information, and transfer processing. It is used for processing, notification of transaction processing results to ATM1, transmission of e-mails, and the like.

  Next, the functional configuration of the financial transaction system SY will be described with reference to FIG. The mobile device 3 includes an input unit 310, an encryption unit 320, an encryption information storage unit 330, an encryption information transmission unit 340, a warning unit 350, a transaction processing result storage unit 360, and an email reception unit 370 as main functional configurations. And an application control unit 380. Of these, the e-mail receiving unit 370 has the e-mail application 33 as a main part. In addition, each unit other than the e-mail receiving unit 370 has the dedicated application 31 as a main unit.

  The input unit 310 uses the touch panel 35 to input transaction information necessary for financial transactions, a password necessary for using the transaction information, and the like. The encryption unit 320 encrypts the input transaction information using a predetermined encryption method. The encrypted information storage unit 330 stores the encrypted information obtained by encrypting the transaction information in the internal memory 34 in association with the password for transmitting the encrypted information to the ATM 1. The encrypted information storage unit 330 can store a plurality of pieces of encrypted information.

  The encrypted information transmitting unit 340 transmits the encrypted information to the ATM 1 on the condition that the password is entered on the password input screen (see FIG. 5A) during the financial transaction. In addition, the encrypted information transmission unit 340 displays the notification method set on the transaction processing result notification setting screen (see FIG. 4A) and the e-mail address (when “E-mail” is selected as the notification method). ) Is sent to ATM1 together with the encrypted information.

  The warning unit 350 issues a warning when a specific processing signal is not received from the ATM 1 within a predetermined time after the encryption information transmission unit 340 transmits the encryption information. Specifically, a warning screen (see FIG. 6A) is displayed and a warning sound is generated. The specific process signal is a signal indicating that a specific process involving a customer operation has been executed in ATM1. Examples of the specific process include a cash discharge process at the time of cash withdrawal, a statement issuance process at the time of withdrawal, deposit and transfer, a passbook discharge process at the time of bankbook entry, and the like. Thus, by giving a warning when the specific processing signal is not received, the customer can be prevented from forgetting to operate the specific processing.

  The transaction processing result storage unit 360 stores the transaction processing result transmitted from the ATM 1 via the NFC communication in the internal memory 34 when the customer desires to notify the portable device 3 of the transaction processing result. The e-mail receiving unit 370 is an e-mail sent from the financial institution server 2 when the customer wishes to notify the transaction processing result by e-mail and sets the e-mail address of the portable device 3 as a destination. An e-mail including the transaction processing result or an e-mail attached with the transaction processing result as an attached file). Note that the transaction processing result acquired using the e-mail is also stored in the transaction processing result storage unit 360.

  When the application control unit 380 receives an end signal indicating the end of the transaction process from the ATM 1 (end signal transmission unit 140), the application control unit 380 automatically ends the dedicated application 31 being activated. That is, the customer needs to start the dedicated application 31 when transmitting the encrypted information (when using it), but does not need to end the application. Thereby, since the end of the dedicated application 31 is not forgotten, unauthorized use of encrypted information (transaction information) by a third party and erroneous operation by the customer himself / herself can be prevented.

  The customer PC 4 includes an e-mail receiving unit 410 and a transaction processing result storage unit 420 as main functional configurations. The e-mail receiving unit 410 is an e-mail sent from the financial institution server 2 when the customer wishes to notify the transaction processing result by e-mail and sets the e-mail address of the customer PC 4 as a destination. Receive. The transaction processing result storage unit 420 stores a transaction processing result included (or attached) in the e-mail in a predetermined storage area in the hard disk 42.

  ATM1 is provided with the encryption information transfer part 110, the specific process signal transmission part 120, the transaction process result transfer part 130 (transaction process result transmission part), and the completion | finish signal transmission part 140 as main function structures. Among these, the encrypted information transfer unit 110 and the transaction processing result transfer unit 130 mainly include the NFC unit 11 and a network communication unit (not shown). The specific processing signal transmission unit 120 and the end signal transmission unit 140 have the NFC unit 11 as a main part.

  The encrypted information transfer unit 110 receives the encrypted information from the mobile device 3 (encrypted information transmission unit 340) at the start of the financial transaction and transmits it to the financial institution server 2. At this time, the encrypted information transfer unit 110 adds the accompanying information including the notification information transmitted together with the encrypted information and the ATM code registered in advance in the ATM 1 to the encrypted information. Send to server 2.

  The specific process signal transmission unit 120 transmits a specific process signal to the mobile device 3 when performing a specific process such as a cash discharge process (when receiving a specific process execution command from the financial institution server 2).

  The transaction processing result transfer unit 130, when the customer desires to notify the mobile device 3 of the transaction processing result (when a transmission command is added to the transaction processing result transmitted from the financial institution server 2, S15 in FIG. , S16), the transaction processing result notified from the financial institution server 2 (transaction processing result notifying unit 240) is transmitted to the portable device 3. The end signal transmission unit 140 transmits an end signal indicating the end of the transaction process to the mobile device 3 after the end of the series of transaction processes.

  The financial institution server 2 includes an encrypted information reception unit 210, a decryption unit 220, a transaction processing unit 230, a transaction processing result notification unit 240, and an e-mail transmission unit 250 as main functional configurations. All these parts have the transaction processing program 21 as a main part.

  The encrypted information receiving unit 210 receives the encrypted information and accompanying information transferred from the ATM1 (encrypted information transfer unit 110). The decryption unit 220 decrypts the encrypted information and generates transaction information. The transaction processing unit 230 performs transaction processing based on the transaction information. Further, when it is determined that the execution of the specific process is necessary in the transaction process, the transaction processing unit 230 transmits an execution command for the specific process to the ATM 1 (see S05 and S06 in FIG. 9).

  The transaction processing result notification unit 240 notifies the ATM 1 of the transaction processing result by the transaction processing unit 230. When the customer wishes to notify the transaction processing result by e-mail, the e-mail transmission unit 250 transmits an e-mail including (or attached to) the transaction processing result to the mobile device 3 or the customer PC 4.

  Next, the operation of the mobile device 3 will be described with reference to display examples on the touch panel 35 of FIGS. FIG. 3A is a diagram illustrating a display example of a main menu screen displayed when the dedicated application 31 is activated. In the main menu screen, “transaction information registration” for displaying a transaction information registration screen (see FIG. 3B), “transaction processing for displaying a transaction processing result notification setting screen (see FIG. 4A)”. “Result notification setting”, “Encryption information selection” for displaying the encryption information selection screen (see FIG. 4B), “Transaction history display” for displaying the transaction history screen (see FIG. 5B) ”Is displayed. When any one of these options is selected on the main menu screen and the OK button 51 is pressed, the screen transitions to the corresponding screen.

  FIG. 3B is a diagram illustrating a display example of a transaction information registration screen. On the transaction information registration screen, transaction details, transaction bank, transaction account type, account number, transaction amount, and PIN (number string registered at the time of opening an account) are entered as transaction information. Among these, for the transaction content, a desired option may be selected from the options (drawer, passbook entry, deposit, transfer, balance inquiry, etc.) displayed in the pull-down menu 52. As for the type of transaction account, a desired option may be selected from options displayed on the pull-down menu 53 (ordinary deposit, time deposit, current account, etc.).

  On the transaction information registration screen, a registered name and password are entered in addition to the transaction information. The registered name is information for distinguishing each transaction information (encrypted information) when multiple types of transaction information are registered, and is displayed as an option on the encryption information selection screen (see FIG. 4B). The The password is an alphanumeric character string that is not related to the password, and can be arbitrarily set on the transaction information registration screen shown in FIG. When the OK button 54 is pressed on the transaction information registration screen, the screen returns to the main menu screen (see FIG. 3A).

  FIG. 4A is a diagram illustrating a display example of a transaction processing result notification setting screen. On the transaction processing result notification setting screen, one of NFC communication, e-mail, and notification unnecessary can be selected as a notification method. Here, when NFC communication is selected, the transaction processing result is transmitted from the ATM 1 to the portable device 3 via the NFC communication. When an e-mail is selected, an e-mail including a transaction processing result (or attached) is transmitted with the address input in the e-mail address field 55 as a destination. When notification unnecessary is selected, the transaction processing result is not notified by NFC communication or e-mail. When the OK button 56 is pressed after setting these notification methods, the display returns to the main menu screen (see FIG. 3A).

  FIG. 4B is a diagram illustrating a display example of the encryption information selection screen. On the encryption information selection screen, it is possible to select encryption information (information obtained by encrypting transaction information) used for financial transactions. The example of the figure shows a state in which three pieces of transaction information (encrypted information) are registered on the transaction information registration screen (see FIG. 3B). When the OK button 57 is pressed after the encryption information is selected, the screen changes to a password input screen (see FIG. 5A).

  FIG. 5A is a diagram illustrating a display example of a password input screen. In the password input screen, the password registered in the transaction information registration screen (see FIG. 3B) is entered in the password input field 58. When the OK button 59 is pressed after the password is entered, the portable device 3 sends the selected encryption information (encrypted information of the registered name “XX bank withdrawal” in the example in the figure) to the ATM 1. (Encrypted information transmitter 340).

  FIG. 5B is a diagram illustrating a display example of a transaction history display screen. On the transaction history display screen, the transaction processing results transmitted by NFC communication or e-mail are displayed side by side in order of transaction date and time. As shown in the figure, the transaction processing result includes information indicating transaction date and time, transaction content, transaction bank and account, transaction amount, and the like. Note that past transaction processing results that cannot be displayed on the screen can be displayed by scrolling the touch panel 35.

  FIG. 6A is a diagram illustrating a display example of a warning screen. The screen is a screen that is displayed, for example, when the customer leaves the ATM 1 without receiving cash during the withdrawal process. In addition, if you forget to receive the statement issued at the end of the deposit or transfer process, or if you have forgotten to receive the passbook discharged at the end of the passbook entry process, it is shown in the same figure A warning screen is displayed. As shown in the figure, a warning message and a contact information are displayed on the warning screen, and by selecting a contact information, a call can be made with a person in charge of a financial institution.

  FIG. 6B is a diagram illustrating a display example of the operation guidance screen. The screen is a screen displayed based on a specific processing signal transmitted from ATM1, such as when cash is discharged by ATM1. If the specific processing signal cannot be received within a predetermined time from the transmission of the encryption information, the above warning screen is displayed. In addition, an operation guidance message corresponding to the statement discharge or the passbook discharge is also displayed.

  Next, the operation of the ATM 1 will be described with reference to display examples on the operation panel 12 of FIGS. FIG. 7A is a diagram illustrating a display example of a menu screen serving as an initial screen. On the menu screen, it is possible to select a desired transaction content from “device transaction”, “withdrawal”, “passbook entry”, “deposit”, “transfer”, and “inquiry balance”. When performing a financial transaction using the mobile device 3, the option “device transaction” is selected. Note that when other options are selected, the description is omitted because it is the same as a general ATM operation.

  FIG.7 (b) is a figure which shows the example of a display of a transaction confirmation screen. The screen is a screen that is displayed when encrypted information is received from the mobile device 3 after the option “device transaction” is selected on the menu screen. On the transaction confirmation screen, the transaction information included in the encrypted information is displayed to prompt the customer to confirm. In addition, the customer is allowed to select whether or not to execute a transaction. Here, when the “Yes” button 61 is pressed, a transaction process (withdrawal process in the example in the figure) is executed. If the “No” button 62 is pressed, the transaction process is interrupted and the screen returns to the menu screen (see FIG. 7A).

  FIG. 8A is a diagram illustrating a display example of the operation guidance screen. This screen is a screen that is displayed at the time of execution of the specific process (in the example of the figure, cash discharge process). When the mobile device 3 is in the NFC communication area, the operation guide screen is displayed on the touch panel 35 of the mobile device 3 simultaneously with the display of the operation guide screen shown in FIG. 6 (see FIG. 6B). .

  FIG. 8B is a diagram illustrating a display example of a transaction end screen. This screen is a screen displayed at the end of transaction processing. The ATM 1 transmits an end signal to the mobile device 3 when displaying the transaction end screen.

  Next, a series of transaction processing will be described with reference to the flowcharts of FIGS. 9 and 10. Note that this processing is started in a state where the option “device transaction” is selected on the ATM1 menu screen (see FIG. 7A) and the ATM1 is waiting to receive encrypted information. First, the mobile device 3 activates the dedicated application 31 and selects encrypted information and inputs a password to obtain encrypted information and notification information (information indicating a transaction processing result notification method and an e-mail address). It transmits to ATM1 (S01). The ATM 1 transmits the received encrypted information and accompanying information composed of the notification information and the ATM code to the financial institution server 2 (S02). The financial institution server 2 decrypts the received encrypted information (S03), and performs transaction processing based on the decrypted transaction information (S04).

  When it is determined that the specific process is executed in the transaction process (S05: Yes), the financial institution server 2 transmits an execution command for the specific process to the ATM 1 (S06). When the ATM 1 receives an execution command for specific processing, the ATM 1 displays an operation guidance screen (see FIG. 8A) (S07), and further transmits a specific processing signal to the portable device 3 (S08). When the portable device 3 receives the specific processing signal (S09: Yes), the portable device 3 displays an operation guidance screen (see FIG. 6B) (S10). Further, when a predetermined time has elapsed without receiving a specific processing signal from transmission of encrypted information (S01) (S09: No), a warning screen (see FIG. 6A) is displayed. It is displayed (S12).

  After S06, the financial institution server 2 determines whether or not all of the transaction processing has been completed (S13), and if not completed (S13: No), returns to S05. In addition, when the process is completed (S13: Yes), the notification method is determined based on the notification information (S14). When NFC communication is selected (S14: Yes), the ATM1 specified by the ATM code is set. On the other hand, the transaction processing result and the transmission command (transmission command of the transaction processing result to the portable device 3) are notified (S15). The ATM 1 transmits the transaction processing result to the portable device 3 by NFC communication according to the transmission command (S16). The portable device 3 receives the transaction processing result (S17) and stores it in the internal memory 34 (S18).

  On the other hand, if the notification method is not NFC communication (S14: No), the financial institution server 2 determines whether or not an e-mail is selected as the notification method (S19), and if the e-mail is selected. (S19: Yes), the transaction processing result is transmitted by e-mail (S20). Thereafter, the transaction processing result is notified to ATM1 identified by the ATM code (S21). ATM1 transmits the completion | finish signal which shows the completion | finish of transaction processing with respect to the portable device 3 after S16 or the notification of S21 (S22). When the portable device 3 receives the end signal, it automatically terminates the dedicated application 31 that is being activated (S23).

  As described above, according to the present embodiment, since the mobile device 3 can store in advance transaction information including a password, it is not necessary to input the password when operating the ATM 1. For this reason, there is no worry that the password can be read by a hidden camera or the like. Further, by storing the account number, transaction details, transaction amount, etc. in advance, it is possible to save time for inputting these items, so that transactions can be performed quickly. Thereby, the operation rate of ATM1 rises and a waiting time of a customer decreases. Further, since the transaction information is transmitted as encrypted information, there is no fear of being read illegally during transmission.

  Further, since it is necessary to input a password in order to transmit the encrypted information to the ATM 1, security can be ensured even if the portable device 3 is lost. Also, since this password is different from the password required for financial transactions, the risk is low even if it is read by a third party. In addition, since the mobile device 3 issues a warning when the specific processing signal is not received within a predetermined time after the transmission of the encrypted information, it is possible to prevent the customer from forgetting to perform the specific processing.

  Further, since the mobile device 3 is configured to receive a device transaction service by installing the dedicated application 31, a general-purpose terminal such as a smartphone can be used as the “customer device” of the present invention. Moreover, since the dedicated application 31 is automatically terminated at the end of the transaction process, forgetting to terminate the dedicated application 31 can be prevented. This also prevents unauthorized operation of the mobile device 3 by a third party. The portable device 3 can register and use a plurality of pieces of encryption information. That is, it is convenient because encryption information can be registered and used separately for each transaction content or account number.

  Further, since the transaction processing result notification service is provided, the customer can use it for a household account book or the like. Further, a transaction processing result notification method can be selected according to preference on the transaction processing result notification setting screen (see FIG. 4A). In addition, when an e-mail is used as the notification information, since the e-mail address is included in the notification information for transmission, pre-registration for using the transaction processing result notification service is not required. For this reason, customers who are worried about leakage of personal information can easily use the notification service.

  In the above embodiment, a terminal group including the ATM 1 and the financial institution server 2 is exemplified as the “financial institution terminal” of the present invention. However, the “financial institution terminal” may be realized by the ATM 1 alone. In this case, each part of the financial institution server 2 shown in FIG.

  In the above embodiment, when the end signal is transmitted from the ATM 1 to the mobile device 3, the dedicated application 31 of the mobile device 3 is ended (see S22 and S23 in FIG. 10), but transaction processing is performed from the ATM 1 to the mobile device 3. When the result is transmitted (see S16 in FIG. 10), the dedicated application 31 may be terminated. In this case, the portable device 3 ends the dedicated application 31 after S18, and the ATM 1 ends the process at S16.

  In the above embodiment, the mobile device 3 is configured to register the transaction information and select the notification method. However, the transaction information and the notification information may be simply stored in the mobile device 3. . In this case, since the portable device 3 only needs to include a storage medium, a card medium such as a membership card, a key ring, or the like can be applied as the portable device 3.

  Moreover, in said embodiment, although communication with ATM1 and the portable device 3 was performed via NFC communication, you may use other communication methods, such as Bluetooth (trademark) communication. Also, the encryption information and the notification information are acquired by the ATM 1 by reading a code image (an image obtained by encoding the encryption information and the notification information) such as a two-dimensional code displayed on the touch panel 45 of the portable device 3. Also good. Further, in this case, printing paper on which a two-dimensional code is printed by a printer may be used as the portable device 3.

  In the above embodiment, when the specific processing signal cannot be received within a predetermined time from the transmission of the encrypted information, the warning screen is displayed. However, the ATM 1 transmits the specific processing signal to the portable device 3 and If the response signal cannot be received, a warning mail may be transmitted via the financial institution server 2. According to this configuration, it is not necessary for the portable device 3 to measure the elapsed time from the transmission of the encrypted information.

  Moreover, it is possible to provide each function and each process of the financial transaction system SY (ATM1, financial institution server 2, mobile device 3, etc.) shown in the above embodiment as a program. Further, the program can be provided by being stored in various recording media (CD-ROM, flash memory, etc.). That is, a program for causing a computer to function as each component of the ATM 1, the financial institution server 2, and the portable device 3, and a recording medium on which the program is recorded are also included in the scope of rights of the present invention.

  In the above embodiment, a bank is exemplified as a financial institution. However, the present invention can be applied to a financial institution that handles all financial products such as cooperatives, credit unions, wages, and insurance companies. At that time, “account number” may be read as “card number” or “securities number”. In addition, the system configuration and processing steps of the financial transaction system SY can be appropriately changed without departing from the gist of the present invention, regardless of the above-described embodiments.

DESCRIPTION OF SYMBOLS 1 ... ATM, 2 ... Financial institution server, 3 ... Mobile device, 4 ... Customer PC, 11 ... NFC unit, 21 ... Transaction processing program, 22 ... Customer database, 23 ... Transaction management database, 31 ... Dedicated application, 33 ... E-mail application, 35 ... touch panel, NT ... network, SY ... financial transaction system

Claims (11)

A financial institution terminal,
A financial transaction system comprising a customer device capable of communicating with the financial institution terminal,
The customer device is
An input unit for inputting transaction information including an account number and a personal identification number, which is necessary information for financial transactions;
An encryption unit for encrypting the transaction information;
An encrypted information storage unit for storing encrypted information obtained by encrypting the transaction information;
An encryption information transmission unit for transmitting the encryption information to the financial institution terminal,
The financial institution terminal is
A decryption unit for decrypting the encrypted information acquired from the customer device;
A financial transaction system comprising: a transaction processing unit that performs transaction processing based on the decrypted transaction information. The encryption information storage unit stores the encryption information in combination with a password for enabling transmission of the encryption information,
The financial transaction system according to claim 1, wherein the encrypted information transmission unit transmits the encrypted information to the financial institution terminal on condition that the password is input. The financial institution terminal is
The transaction processing unit includes a specific processing signal transmission unit that transmits a specific processing signal to the customer device when a specific processing with a customer operation is executed.
The customer device is
The financial transaction system according to claim 1, further comprising a warning unit that issues a warning when the specific processing signal is not received within a predetermined time after the transmission of the encrypted information. The encryption information transmission unit functions when a dedicated application installed on the customer device is activated,
The financial institution terminal is
An end signal transmitting unit that transmits an end signal indicating the end of the transaction process to the customer device;
The customer device is
The financial transaction system according to any one of claims 1 to 3, further comprising an application control unit that terminates the dedicated application upon reception of the termination signal. The financial institution terminal is
A transaction processing result transmitting unit for transmitting the transaction processing result of the transaction processing unit to the customer device;
The customer device is
The financial transaction system according to any one of claims 1 to 4, further comprising a transaction processing result storage unit for storing the transaction processing result. The encrypted information transmitting unit transmits the encrypted information with an email address added thereto,
The financial institution terminal is
5. The financial transaction system according to claim 1, further comprising an e-mail transmission unit configured to transmit a transaction process result of the transaction processing unit with the e-mail address as a destination. The encryption information storage unit stores a plurality of the encryption information,
7. The encrypted information transmitting unit according to claim 1, wherein the encrypted information transmitting unit transmits selected encrypted information among the plurality of encrypted information to the financial institution terminal. Financial transaction system.   The financial transaction system according to any one of claims 1 to 7, wherein the transaction information includes at least one information among a transaction account type, a transaction content, and a transaction amount.   A financial institution terminal used in the financial transaction system according to claim 1. A financial institution terminal,
A transaction method of a financial transaction system comprising a customer device capable of communicating with the financial institution terminal,
The customer device is
Inputting information necessary for a financial transaction, including an account number and a personal identification number;
Encrypting the transaction information;
Storing encrypted information obtained by encrypting the transaction information;
Transmitting the encrypted information to the financial institution terminal, and
The financial institution terminal is
Decrypting the encrypted information obtained from the customer device;
Performing a transaction process based on the decrypted transaction information, and performing a transaction method for a financial transaction system.   The program for making a computer perform each step in the transaction method of the financial transaction system of Claim 10.

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