JP2015181007A - Program, positional information delivering method of automatic transaction device, and electronic apparatus - Google Patents

Abstract

PROBLEM TO BE SOLVED: To deliver, to a user intending to execute a transaction using an automatic transaction device other than a predetermined type of automatic transaction device, useful information used for considering the execution of the transaction using the predetermined type of automatic transaction device.SOLUTION: The present invention provides a program for making a computer serve as first communicating means and information supplying means. The first communicating means can communicate with an automatic transaction device by non-contact communication. When the automatic transaction device with which the first communicating means is communicating is an automatic transaction device in another bank, the information supplying means delivers, to a user, the positional information of an automatic transaction device in the own bank existing near the current position.

Description

  The present invention relates to a program, a position information providing method for an automatic transaction apparatus, and an electronic apparatus.

  Currently, cooperation between financial institutions has progressed, and automatic transaction devices (for example, ATM; Automated Teller) of other financial institutions (hereinafter referred to as other banks) using cash cards of financial institutions with which users have contracted (hereinafter referred to as own banks). It is possible to conduct transactions in (Machine). Regarding the automatic transaction apparatus, for example, in Patent Document 1 below, when a user tries to execute a transaction in the automatic transaction apparatus, the store position of another financial institution where the fee required for the same transaction as the transaction is lower, and the The structure of the automatic transaction apparatus which displays the commission in another financial institution is described. Patent Document 2 below discloses a configuration of a mobile phone that can acquire position information of an automatic transaction apparatus based on a user's current position and handling information of the automatic transaction apparatus in a remote place.

JP 2008-250724 A JP 2004-166020 A

  As noted by the inventor of the above-mentioned Patent Document 1, when using an automatic transaction apparatus of another bank, a user may be required to pay a higher fee than when using an automatic transaction apparatus of his / her own bank. There is a problem that there are many. Certainly, if the technique described in Patent Document 1 is used, it is possible to provide the user with information on an automatic transaction apparatus with a lower fee.

  However, the technique described in Patent Document 1 is premised on incorporating a mechanism for providing information into an automatic transaction apparatus of another bank. That is, it is premised on a mechanism in which an automatic transaction apparatus used for a transaction by a user recommends an automatic transaction apparatus of another financial institution. As a result, financial institutions that have introduced this system will reduce their opportunities to earn high commissions themselves. Therefore, it cannot be expected that this mechanism will be actively adopted by financial institutions, and it is considered that this will not lead to the profit of the user.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to perform transactions in an automatic transaction device other than a predetermined type without changing specifications to the automatic transaction device of another bank. A new and improved program capable of providing useful information for considering the execution of a transaction in a predetermined type of automatic transaction apparatus to a user who intends to execute the transaction, and a position information providing method for the automatic transaction apparatus And providing an electronic device.

  In order to solve the above-described problem, according to an aspect of the present invention, a computer is configured to use a first communication unit capable of communicating with an automatic transaction apparatus by non-contact communication, and the first communication unit. Provided by a program for functioning as an information providing means for providing a user with position information of an automatic transaction device of the bank existing near the current position when the automatic transaction device in communication is an automatic transaction device of another bank Is done.

  The computer as second communication means different from the first communication means, and device position acquisition means for acquiring position information of the automatic transaction device of the bank from an external device using the second communication means. Further, it may function.

  Using the first communication means, the computer transmits a part or all of the transaction information used for carrying out the transaction to the automatic transaction device in communication, and the transaction is performed in the automatic transaction device in communication. Further functioning as transaction processing means that can be put into an executable state, the transaction information indicates whether the automatic transaction device in communication is the automatic transaction device of the bank or not. Identification information that enables the automatic transaction apparatus to make a determination may be included.

  The identification information is information that is identifiable only by the automatic transaction device of the bank, and the transaction processing means is configured to perform automatic communication during communication when the automatic transaction device in communication is the automatic transaction device of the bank. The transaction apparatus receives response information transmitted according to the identification information, and the information providing means provides the user with the location information of the automatic transaction apparatus of the bank when the response processing information is not received by the transaction processing means. May be.

  The identification information is information used to specify a trading partner when executing the transaction in the automatic transaction apparatus, and the transaction processing means is configured such that the automatic transaction apparatus in communication is the automatic transaction apparatus of the bank. If the transaction information is not received by the transaction processing unit, the information providing unit receives the response information transmitted by the automatic transaction apparatus in communication according to the identification information. You may provide a user with the positional information on an automatic transaction apparatus.

  The information providing means notifies the user that the automatic transaction apparatus in communication is the automatic transaction apparatus of the other bank when the response information is not received by the transaction processing means, and continues the transaction after the notification. If the intention to do so is indicated, the location information of the automatic transaction apparatus of the bank may not be provided to the user.

  The information providing means notifies the user that the automatic transaction apparatus in communication is the automatic transaction apparatus of the other bank when the response information is not received by the transaction processing means, and continues the transaction after the notification. If the predetermined time has passed without the intention to do so, the location information of the automatic transaction device of the bank may not be provided to the user.

  The information providing means determines that the automatic transaction apparatus in communication is the automatic transaction apparatus of the other bank, any one of generation of vibration, output of sound, output of light, display of image, display of characters Or you may notify by a some combination.

  The transaction processing means, when the information providing means does not provide the location information of the automatic transaction apparatus of the bank to the user, continues the process for making the transaction executable in the automatic transaction apparatus in communication May be.

  The identification information may be the bank's own financial institution code.

  The second communication means can communicate with at least a service providing system that provides a service for searching for position information of the automatic transaction apparatus of the bank, and the computer acquires the current position. Further, the device position acquisition means transmits information on the current position acquired by the current position acquisition means to the service providing system by the second communication means, and exists near the current position. The location information of the automatic transaction device of the own bank may be acquired from the service providing system.

  The transaction processing means is in a state where the transaction can be carried out in the automatic transaction apparatus in communication even when the automatic transaction apparatus in communication using the first communication means is the automatic transaction apparatus of the other bank The information providing means has executed the transaction in the past in the automatic transaction apparatus when the transaction processing means tries to execute a process for making the transaction executable in the automatic transaction apparatus of the other bank. When there is a history, the user may be provided with location information of the automatic transaction apparatus of the bank that exists near the current location.

  The application for realizing the function of the information providing means may be activated when a communication path is established with the automatic transaction apparatus by the first communication means.

  The application for realizing the function of the information providing means may be activated when it is determined that the communicating automatic transaction apparatus is the other bank's automatic transaction apparatus.

  Moreover, in order to solve the said subject, according to another viewpoint of this invention, the electronic device carrying the 1st communication means which can communicate between automatic transaction apparatuses by non-contact communication is said 1st. Including an information providing step of providing the user with location information of the automatic transaction device of the bank existing near the current position when the automatic transaction device in communication using the communication means is an automatic transaction device of another bank. A method for providing location information of an automatic transaction apparatus is provided.

  Moreover, in order to solve the said subject, according to another viewpoint of this invention, using the 1st communication function which can communicate between automatic transaction apparatuses by non-contact communication, and the said 1st communication function When the automatic transaction apparatus in communication is an automatic transaction apparatus of another bank, it is provided with an information providing function that provides the user with the position information of the automatic transaction apparatus of the own bank existing near the current position, Electronic equipment is provided.

  As described above, according to the present invention, a predetermined type of automatic transaction apparatus can be used for a user who wants to conduct a transaction in an automatic transaction apparatus other than the predetermined type without changing specifications of the automatic transaction apparatus of another bank. It is possible to provide useful information for considering the implementation of transactions in

It is explanatory drawing for demonstrating the system configuration | structure which concerns on one Embodiment of this invention. It is explanatory drawing for demonstrating the function structure of the own automatic transaction apparatus which concerns on the same embodiment. It is explanatory drawing for demonstrating the function structure of the other bank automatic transaction apparatus which concerns on the same embodiment. 4 is an explanatory diagram for describing a functional configuration of the electronic apparatus according to the embodiment. FIG. It is explanatory drawing for demonstrating the function structure of the management server which concerns on the embodiment. It is explanatory drawing for demonstrating operation | movement of the system which concerns on the same embodiment when an electronic device is tricked into a self-banking transaction apparatus. It is explanatory drawing for demonstrating operation | movement of the system which concerns on the same embodiment when an electronic device is tricked into an other bank automatic transaction apparatus. It is explanatory drawing for demonstrating operation | movement of the system which concerns on the same embodiment when an electronic device is tricked into an other bank automatic transaction apparatus. It is explanatory drawing for demonstrating operation | movement of the system which concerns on the same embodiment when an electronic device is tricked into an other bank automatic transaction apparatus. It is explanatory drawing for demonstrating the positional information on the self-banking transaction apparatus which the management server which concerns on the embodiment manages. 4 is an explanatory diagram for describing a configuration of a guidance screen displayed by the electronic apparatus according to the embodiment. FIG. 4 is an explanatory diagram for describing a configuration of a guidance screen displayed by the electronic apparatus according to the embodiment. FIG. 4 is an explanatory diagram for describing a configuration of a guidance screen displayed by the electronic apparatus according to the embodiment. FIG. It is explanatory drawing for demonstrating operation | movement of the system which concerns on the modification (modification example # 1) of the embodiment at the time of an electronic device being deceived by a self-banking transaction apparatus. It is explanatory drawing for demonstrating operation | movement of the system which concerns on the modification (modification example # 1) of the embodiment at the time of an electronic device being tricked into an other bank automatic transaction apparatus. It is explanatory drawing for demonstrating operation | movement of the system which concerns on the modification (modification example # 2) of the embodiment at the time of an electronic device being tricked into an other bank automatic transaction apparatus. It is explanatory drawing which showed the hardware structural example which can implement | achieve the function of the electronic device etc. which concern on the embodiment.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

[About the flow of explanation]
Here, the flow of explanation regarding the embodiment of the present invention described below will be briefly described. First, a system configuration example according to an embodiment of the present invention will be described with reference to FIG. Next, an example of a functional configuration of the automated banking apparatus 11 according to the present embodiment will be described with reference to FIG. Next, a functional configuration example of the other bank automatic transaction device 12 according to the present embodiment will be described with reference to FIG. Next, a functional configuration example of the electronic device 20 according to the present embodiment will be described with reference to FIG. Next, a functional configuration example of the management server 30 according to the present embodiment will be described with reference to FIG.

  Next, the operation of the system when the electronic device 20 is deceived by the own bank automatic transaction apparatus 11 or the other bank automatic transaction apparatus 12 will be described with reference to FIGS. Next, with reference to FIGS. 14 and 15, a modified example (modified example # 1) of the operation of the system when the electronic device 20 is trapped by the own bank automatic transaction apparatus 11 or the other bank automatic transaction apparatus 12 will be described. Next, with reference to FIG. 16, another modified example (modified example # 2) of the operation of the system in the case where the electronic device 20 is deceived by the other bank automatic transaction apparatus 12 will be shown. Next, an example of a hardware configuration capable of realizing the functions of the electronic device 20 and the like according to the present embodiment will be introduced with reference to FIG.

<1: Introduction>
In recent years, cooperation with financial institutions has progressed, and it has become possible to perform cash withdrawal and transfer processes using automatic transaction devices of other banks. However, if an automatic transaction apparatus of another bank is used, a higher fee is charged than that of using an automatic transaction apparatus of the own bank. Therefore, the user usually tries to use his / her automated transaction apparatus. However, if you use an automatic transaction device near the station that you normally use for commuting or attending school, or an automatic transaction device near your home or office, you can easily find your own automatic transaction device. Often cannot find their own automated transaction equipment. In such a case, the user pays a high fee using the automatic transaction apparatus of another bank even though the automatic transaction apparatus of the own bank exists in the vicinity.

  On the other hand, recently, various search services can be used using a mobile phone or a portable information terminal. Therefore, it is also possible for the user to display the position of the automatic transaction apparatus on the map and search for his / her own automatic transaction apparatus. However, in order to use such a service, it is troublesome to access a service providing site using a mobile phone or a personal digital assistant and search for an automatic transaction device of the bank from among the automatic transaction devices displayed on the map. Operation is required. Even if such an operation is performed, the automatic transaction apparatus of the bank may not exist in the vicinity. If the user's automatic transaction device is in the vicinity, he / she wants to actively use his / her automatic transaction device, but if his / her automatic transaction device is not in the vicinity, he / she pays a high fee. You will want to finish the transaction quickly with the automatic transaction equipment of other banks.

  In order to solve the above problem, it is preferable that transactions can be performed with the same fee even if other bank automatic transaction devices are used. The cost of making it accessible, the extra necessary expenses caused by cooperation with other banks, and the potential negative sales effect of users of own bank's automated transaction equipment Considering that, there is no way to increase the fee when using an automatic transaction device of another bank. However, from the viewpoint of improving services to users, when a self-banking automatic transaction apparatus exists in the vicinity, a mechanism for guiding to a self-banking automatic transaction apparatus with a low fee has been studied.

  For example, as described in Patent Document 1 above, when a transaction is to be carried out with an automatic transaction device of another bank, the position of the automatic transaction device of the bank with a lower fee is displayed on the screen of the automatic transaction device of the other bank A mechanism to display is considered. However, in order to realize such a mechanism, it is necessary to modify the automatic transaction apparatus of another bank. Therefore, this mechanism cannot be realized without the cooperation of other banks. However, in reality, it is unlikely that the cooperation of the other bank can be obtained with respect to the above-described mechanism that reduces the use opportunity of the automatic transaction apparatus of the other bank, and the above mechanism is difficult in terms of feasibility. Therefore, the present inventor guides the user to his / her own automatic transaction device in the vicinity without needing to modify the automatic transaction device of another bank, or notifies whether or not his / her automatic transaction device is in the vicinity. I devised a mechanism to make it possible.

  At present, cash cards and credit cards of many financial institutions are equipped with IC chips. Such an IC chip is equipped with a secure memory and an authentication function, so that customer information stored in the secure memory cannot be read unless authentication with the automatic transaction apparatus is successful. Therefore, recent cash cards and credit cards have high resistance against crimes such as skimming and counterfeiting. In order to develop such technology and further improve user convenience, a mechanism for using an electronic device such as a mobile phone equipped with a non-contact IC card function as a cash card or a credit card has been studied.

  The contactless IC card includes a secure memory in which information such as electronic money information is stored, an authentication function for executing authentication required for reading and writing information in the secure memory, and a so-called reader / writer. It means an information recording medium having a non-contact communication function for performing near field communication. Non-contact IC cards are currently widely used for settlement processing at retail stores and ticket gate processing for public transportation. Electronic devices such as mobile phones equipped with functions equivalent to contactless IC cards are also on the market. Such a non-contact IC card function in an electronic device is often realized by a non-contact IC chip mounted on the electronic device. In particular, the secure memory management function and authentication function are realized by a tamper-resistant non-contact IC chip.

  However, the electronic device as described above is not simply an electronic device in which non-contact IC chips are mechanically connected. In other words, means for accessing the non-contact IC chip from the application of the electronic device is provided. Access to non-contact IC chips should be cautious from the viewpoint of security, but it is possible to obtain information stored in non-contact IC chips and information received by non-contact IC chips and use them in electronic devices Will. Therefore, the present inventor considers the situation assumed as described above, uses information acquired by the non-contact IC chip from the automatic transaction apparatus, etc. Devised a mechanism to provide information about their own automated transaction equipment or to guide them to their automated transaction equipment. Hereinafter, an embodiment related to this mechanism will be described.

<2: Embodiment>
An embodiment of the present invention will be described. The present embodiment relates to a technology for providing information on an automatic transaction apparatus in the vicinity of a user who wants to make a transaction with an automatic transaction apparatus of another bank. As will be described later, the technology according to the present embodiment can be applied to an automatic transaction apparatus managed by a company or an individual other than a financial institution, or can be applied to an automatic transaction apparatus other than an ATM. Such applications naturally belong to the technical scope of the present embodiment. However, for convenience of explanation, explanations will be made on many parts assuming an automatic transaction apparatus of a financial institution.

[2-1: System configuration]
Hereinafter, the system configuration of the system according to the present embodiment will be described.

(2-1-1: Overall configuration)
First, an overall configuration of a system according to the present embodiment will be described with reference to FIG. FIG. 1 is an explanatory diagram for explaining an overall configuration of a system according to the present embodiment. The system configuration shown in FIG. 1 is an example, and the scope of application of the technology according to the present embodiment is not limited to this.

  As shown in FIG. 1, the system according to the present embodiment is mainly configured by a self-banking automatic transaction apparatus 11, an other-bank automatic transaction apparatus 12, an electronic device 20, and a management server 30.

  The automated transaction apparatus 11 is an automated transaction apparatus for the electronic device 20. In addition, the automated transaction device 11 includes a reader / writer 111 and a display unit 115. The other bank automatic transaction apparatus 12 is an automatic transaction apparatus of another bank for the electronic device 20. The other-bank automatic transaction apparatus 12 includes a reader / writer 121 and a display unit 124. The electronic device 20 includes a display unit 201 and a non-contact IC chip 202.

  When the user places the electronic device 20 on the reader / writer 111 of the own automatic transaction apparatus 11, the own automatic transaction apparatus 11 reads the information stored in the non-contact IC chip 202 via the reader / writer 111. Then, the self-banking transaction apparatus 11 prepares to execute the transaction using the read information. For example, the automated transaction apparatus 11 uses the read information to display on the display means 115 the types of transactions that can be performed by the user, and allows the user to select a transaction that the user wants to execute. Further, when a transaction desired to be executed is selected and information necessary for the transaction is input, the self-banking automatic transaction apparatus 11 accesses the backbone system 41 (not shown) to execute processing related to the transaction. In addition, the self-banking transaction apparatus 11 performs processing of withdrawal and payment, and issues a transaction statement.

  Similarly, when the user puts the electronic device 20 on the reader / writer 121 of the other bank automatic transaction apparatus 12, the other bank automatic transaction apparatus 12 receives information stored in the non-contact IC chip 202 via the reader / writer 121. Is read. And the other line automatic transaction apparatus 12 prepares execution of transaction using the read information. For example, the other-bank automatic transaction apparatus 12 displays the type of transaction that can be executed by the user on the display unit 124 using the read information, and allows the user to select a transaction desired to be executed. In addition, when a transaction desired to be executed is selected and information necessary for the transaction is input, the other bank automatic transaction apparatus 12 accesses the backbone system 42 (not shown) to execute processing related to the transaction. . In addition, the other bank automatic transaction apparatus 12 performs processing of withdrawal and payment, and issues a transaction statement.

  However, when the electronic device 20 is trapped by the reader / writer 111, the self-banking transaction apparatus 11 performs the self-banking determination based on information read from the non-contact IC chip 202. The self-determining here refers to determining whether or not the non-contact IC chip 202 functions as a credit card or a cash card issued by its own financial institution. For example, the self-determination is to determine whether or not the non-contact IC chip 202 that functions as a cash card issued by the M bank is used in the ATM of the M bank. In the example of FIG. 1, the self-banking automatic transaction apparatus 11 is a self-banking automatic transaction apparatus for the electronic device 20, and therefore the self-banking automatic transaction apparatus 11 determines that the bank is self-run as a result of the self-bank determination.

  If it is determined that it is the own bank, the own bank transaction apparatus 11 transmits response information to the non-contact IC chip 202 via the reader / writer 111. When the response information is received, the non-contact IC chip 202 executes a predetermined process related to the application installed in the main body of the electronic device 20 based on the result of the self-determination, or is necessary for the transaction so that the transaction can be performed. Information is provided to the automated transaction device 11. On the other hand, even if the electronic device 20 is deceived by the reader / writer 121, the other bank automatic transaction apparatus 12 does not make the own bank determination as performed by the own bank automatic transaction apparatus 11, and proceeds with preparations for conducting the transaction. Therefore, in this case, response information is not transmitted to the non-contact IC chip 202. When the response information cannot be received, the non-contact IC chip 202 executes a predetermined process different from that when the response information is received regarding the application installed in the electronic device 20 main body. The predetermined process will be described later.

  As described above, the system according to the present embodiment is a non-contact IC that performs self-determination according to the function of the automatic banking apparatus 11 that performs self-determination based on information read from the non-contact IC chip 202 and the presence or absence of response information. The function of the chip 202 or the electronic device 20 main body is characteristic. Further, the operation (described later) performed by the non-contact IC chip 202 or the electronic device 20 main body according to the result of the self-determination is also characteristic. As one of the operations, there is an operation for guiding a user who puts the electronic device 20 on the other bank automatic transaction apparatus 12 to the own automatic transaction apparatus in the vicinity. In addition, as another operation, there is an operation of notifying the user who put the electronic device 20 on the other bank automatic transaction apparatus 12 that his / her own automatic transaction apparatus exists in the vicinity. These operations can improve the convenience and economy of the user who uses the automatic transaction apparatus.

  Now, the electronic device 20 uses the management server 30 when providing the user with the information of the automatic transaction device of the bank in the vicinity. The management server 30 includes one or a plurality of information processing devices or storage devices, and is installed in a state where it can communicate with the electronic device 20 via a wired and / or wireless communication path. For example, a so-called cloud system can be used as the management server 30. For example, the management server 30 has a function of managing position information of an automatic transaction apparatus and searching for position information of a predetermined type of automatic transaction apparatus. Further, the management server 30 manages display information for displaying map information and position information of the automatic transaction apparatus, or character information to be displayed accompanying the display information. The electronic device 20 accesses the management server 30 as necessary, uses a search function, or acquires display information.

  The overall configuration of the system according to the present embodiment has been described above. Below, the function of each component will be described in more detail.

(2-1-2: Functional configuration of own automatic transaction apparatus 11)
Next, with reference to FIG. 2, the functional configuration of the automated banking apparatus 11 according to the present embodiment will be described in more detail. FIG. 2 is an explanatory diagram for explaining in more detail the functional configuration of the automated banking apparatus 11 according to the present embodiment. Note that the functional configuration shown in FIG. 2 is an example, and the scope of application of the technique according to the present embodiment is not limited to this.

  As shown in FIG. 2, the automated transaction device 11 mainly includes a reader / writer 111, an information acquisition unit 112, an own notification unit 113, a transaction processing unit 114, a display unit 115, and an input unit 116. It is comprised by.

  The reader / writer 111 performs non-contact communication with the non-contact IC chip 202 of the electronic device 20, reads information stored in the non-contact IC chip 202, and writes information to the non-contact IC chip 202. It is means to do. The reader / writer 111 has a function of performing an authentication process for establishing a communication path with the non-contact IC chip 202. The information acquisition unit 112 is a unit that acquires information from the non-contact IC chip 202 using the reader / writer 111.

  For example, the information acquisition unit 112 acquires information (hereinafter, transaction information) such as customer information and financial institution code used for the transaction from the non-contact IC chip 202. Further, when information for own-run determination (hereinafter referred to as determination information) is transmitted from the non-contact IC chip 202 or when the determination information can be read from the non-contact IC chip 202, the information acquisition unit 112 Get information. The information acquisition unit 112 that has acquired the transaction information or the determination information inputs a part of the transaction information or the determination information that can be used for the own bank determination to the own bank notification unit 113. When a part of the transaction information or the determination information is input, the own bank notification unit 113 performs the own bank determination using the input information.

  As a result of the self-determination, when the self-determination unit 113 determines that it is self-run, the self-notification unit 113 transmits response information to the non-contact IC chip 202 using the reader / writer 111. On the other hand, if it is determined that it is another line as a result of the own line determination, the own line notifying means 113 does not transmit response information. Note that the self-notification means 113 may be configured to transmit error information to the electronic device 20 side when it is determined that the line is in another line, but here, the response information is not transmitted. By adopting this mechanism, the electronic device 20 side can make a self-determination only by waiting for response information, and it can be expected to improve response and simplify functions because no extra information is exchanged. In particular, in the present embodiment, since it is premised that the non-contact IC chip 202 having a low processing capability is used, it is very important to employ the above-described mechanism with a low processing load.

  In the example of FIG. 1, the self-banking automatic transaction apparatus 11 is a self-banking automatic transaction apparatus for the electronic device 20, and therefore the self-notification means 113 transmits response information to the electronic device 20 using the reader / writer 111. When the transmission of the response information is finished, the transaction processing means 114 starts preparation for executing the transaction. When the transaction information is acquired by the information acquisition unit 112, the transaction processing unit 114 acquires the transaction information from the information acquisition unit 112. On the other hand, when the transaction information is not acquired, the transaction processing unit 114 controls the information acquisition unit 112 to acquire the transaction information from the non-contact IC chip 202. When the transaction information is acquired, the transaction processing unit 114 causes the display unit 115 to display transaction information that can be executed based on the acquired transaction information, and prompts the user to select a transaction.

  When a desired transaction is selected by the user, the transaction processing means 114 accesses the backbone system 41 as necessary, acquires information such as a transactionable amount and a business partner that can be implemented, and transaction conditions. Is displayed on the display means 115. For example, when the transfer is selected, the transaction processing unit 114 acquires information such as the account balance, the transferable amount, the financial institution that can be specified as the transfer destination, and the account type of the transfer destination from the backbone system 41, and the transfer Prompt the user to enter transaction terms such as the destination and transfer amount. When the transaction conditions are input, the transaction processing means 114 transmits the input transaction conditions to the backbone system 41, and executes the transaction according to the transaction conditions. Note that in the case of a transaction that requires deposit, the transaction processing unit 114 prompts the user to deposit, or counts the deposited amount.

  When the transaction processing is completed, the transaction processing means 114 issues a statement describing the transaction contents based on the information acquired from the backbone system 41, performs a withdrawal process as required, Or other processing. Input operations such as transaction selection and transaction condition input are performed using the input means 116. Further, the transaction processing means 114 outputs a display notifying that the electronic device 20 may be separated from the reader / writer 111 in addition to a display notifying the completion of the transaction and a warning display for preventing forgetting to take cash. It may be. For example, the transaction processing unit 114 causes the display unit 115 to display that the electronic device 20 may be separated from the reader / writer 111 at the timing when the necessary transaction information has been acquired.

  By performing such a display, the electronic device 20 may unintentionally leave the reader / writer 111, which may cause inconvenience in the transaction, or an error may occur in the account balance. It is possible to reduce user anxiety such as. Further, the transaction processing unit 114 may output a display that prompts the reader / writer 111 to hold the electronic device 20 again as necessary. As the display unit 115, for example, a display device such as an LCD monitor or an ELD monitor can be used. Further, the display unit 115 may be configured by combining these display devices and an illumination device such as an LED light. As the input means 116, for example, a touch panel or a key input device can be used.

  Heretofore, the functional configuration of the automatic banking apparatus 11 has been described.

(2-1-3: Functional configuration of other bank automatic transaction device 12)
Next, the functional configuration of the other bank automatic transaction device 12 according to the present embodiment will be described in more detail with reference to FIG. FIG. 3 is an explanatory diagram for explaining in more detail the functional configuration of the other bank automatic transaction device 12 according to the present embodiment. Note that the functional configuration shown in FIG. 3 is an example, and the scope of application of the technique according to the present embodiment is not limited to this.

  As shown in FIG. 3, the other bank automatic transaction apparatus 12 mainly includes a reader / writer 121, an information acquisition unit 122, a transaction processing unit 123, a display unit 124, and an input unit 125. .

  The reader / writer 121 performs non-contact communication with the non-contact IC chip 202 of the electronic device 20, reads information stored in the non-contact IC chip 202, and writes information to the non-contact IC chip 202. It is means to do. The reader / writer 121 has a function of performing an authentication process for establishing a communication path with the non-contact IC chip 202. The information acquisition unit 122 is a unit that acquires information from the non-contact IC chip 202 using the reader / writer 121.

  For example, the information acquisition unit 122 acquires information (transaction information) such as customer information and financial institution code used for the transaction from the non-contact IC chip 202. The transaction information acquired by the information acquisition unit 122 is input to the transaction processing unit 123. In addition, the other bank automatic transaction apparatus 12 does not transmit response information to the non-contact IC chip 202 regardless of whether the non-contact IC chip 202 corresponds to the own bank or the other bank. When the transaction information is input, the transaction processing means 123 starts preparation for executing the transaction. First, the transaction processing unit 123 causes the display unit 124 to display information on transactions that can be executed based on the acquired transaction information, and prompts the user to select a transaction.

  When a desired transaction is selected by the user, the transaction processing unit 123 accesses the backbone system 42 as necessary, acquires information such as a transactionable amount and a business partner that can be implemented, and transaction conditions. And the like are displayed on the display means 124. For example, when the transfer is selected, the transaction processing unit 123 acquires information such as the account balance, the transferable amount, the financial institution that can be specified as the transfer destination, and the account type of the transfer destination from the backbone system 42, and the transfer Prompt the user to enter transaction terms such as the destination and transfer amount. When the transaction condition is input, the transaction processing unit 123 transmits the input transaction condition to the backbone system 42 and causes the transaction to be executed according to the transaction condition. Note that in the case of a transaction that requires payment, the transaction processing means 123 prompts the user to deposit money, or counts the amount of money deposited.

  When the transaction processing is completed, the transaction processing means 123 issues a statement describing the transaction content based on the information acquired from the backbone system 42, performs a withdrawal process as required, Or other processing. Input operations such as transaction selection and transaction condition input are performed using the input means 125. Moreover, the transaction processing means 123 performs a display for notifying completion of the transaction, a warning display for preventing forgetting to take cash, and the like. As the display unit 124, for example, a display device such as an LCD monitor or an ELD monitor is used. As the input unit 125, for example, a touch panel or a key input device is used.

  The functional configuration of the other bank automatic transaction device 12 has been described above.

(2-1-4: Functional configuration of electronic device 20)
Next, the functional configuration of the electronic device 20 according to the present embodiment will be described in more detail with reference to FIG. FIG. 4 is an explanatory diagram for explaining the functional configuration of the electronic device 20 according to the present embodiment in more detail. Note that the functional configuration shown in FIG. 4 is an example, and the scope of application of the technique according to the present embodiment is not limited to this. In the example of FIG. 1, a diagram simulating a mobile phone as the electronic device 20 is shown. However, the form of the electronic device 20 is not limited to a mobile phone, and may be a non-contact type such as an information terminal, a game machine, a music player, and a video player. Any digital device on which the IC chip 202 can be mounted is a target.

  As shown in FIG. 4, the electronic device 20 mainly includes a display unit 201, a non-contact IC chip 202, a self-determining unit 203, a display control unit 204, an agreement confirmation unit 205, an input unit 206, The current position acquisition unit 207, the apparatus position acquisition unit 208, and the communication unit 209 are configured. However, it is possible to modify the functional configuration shown in FIG. 4 by omitting some components or adding additional components. Such a modification naturally belongs to the technical scope of the present embodiment.

(About non-contact IC chip 202)
First, the functional configuration of the non-contact IC chip 202 will be described. As shown in FIG. 4, the non-contact IC chip 202 mainly includes a non-contact communication unit 2021, a secure memory 2022, and an arithmetic processing unit 2023. The non-contact communication unit 2021 is a communication device for performing non-contact communication with the reader / writers 111 and 121. For example, the non-contact communication means 2021 is equipped with a loop antenna, and communicates using electromagnetic coupling generated between the loop antenna and the loop antenna mounted on the communication partner reader / writer 111 or 121. . However, when a different non-contact communication method is realized in the future, such non-contact communication method non-contact communication means 2021 may be adopted.

  The secure memory 2022 is a tamper resistant memory device. For example, when the secure memory 2022 is illegally accessed, information in the secure memory 2022 is discarded. The information in the secure memory 2022 is stored with high encryption. Further, in order to access information in the secure memory 2022, it is necessary to succeed in authentication in advance.

  The above authentication processing is executed by the arithmetic processing means 2023. First, the arithmetic processing unit 2023 accesses information in the secure memory 2022 with the reader / writer 111, 121 after the communication path is established with the reader / writer 111, 121 by the non-contact communication unit 2021. Perform authentication for This authentication is performed for each area partitioned in the secure memory 2022. For example, when accessing an area in which transaction information of M bank is stored, it is necessary to succeed in authentication for accessing the area. As an authentication method, any authentication method employed in the non-contact IC chip 202 used now or in the future can be used.

  The functional configuration of the non-contact IC chip 202 has been described above. Hereinafter, the description will be made assuming the configuration of the non-contact IC chip 202 as described above.

(If he / she is hesitant about the banking machine 11)
Next, the function of each component will be described in detail along the flow of processing when the electronic device 20 is deceived by the self-banking transaction apparatus 11.

  When the electronic device 20 is trapped by the self-banking automatic transaction apparatus 11, the non-contact IC chip 202 establishes a communication path with the reader / writer 111 of the self-banking automatic transaction apparatus 11 and communicates with the self-banking automatic transaction apparatus 11. To start. First, the automated transaction device 11 reads determination information or transaction information from the non-contact IC chip 202. In this example, since the self-banking automatic transaction apparatus 11 is self-serving for the non-contact IC chip 202, the response information is transmitted from the self-banking automatic transaction apparatus 11 to the non-contact IC chip 202. When this response information is received, the non-contact IC chip 202 notifies the self-determination means 203 of reception of the response information. Upon receipt of this notification, the self-determining means 203 determines that the automatic transaction device of the communication partner is the automatic transaction device of the self-communication and does nothing or permits the non-contact IC chip 202 to continue the transaction. Notify that.

  When the self-determining unit 203 determines that the automatic transaction device of the communication partner is the self-dedicated automatic transaction device, the electronic device 20 is in a state where it can carry out the transaction without giving any notification to the user. To do. For example, when transaction information is not read from the non-contact IC chip 202, the automatic transaction apparatus 11 is enabled to read the transaction information, or the transaction information is sent to the automatic transaction apparatus 11. Or send. As described above, when the electronic device 20 is deceived by the self-banking automatic transaction apparatus 11, it is determined that the self-banking automatic transaction apparatus 11 is a self-banking automatic transaction apparatus. The electronic device 20 operates so that a transaction is possible.

(If hesitated to another bank automatic transaction device 12)
Next, the function of each component will be described in detail along the flow of processing when the electronic device 20 is deceived by the other bank automatic transaction apparatus 12.

  When the electronic device 20 is trapped by the other bank automatic transaction apparatus 12, the non-contact IC chip 202 establishes a communication path with the reader / writer 121 of the other bank automatic transaction apparatus 12, and the other bank automatic transaction apparatus 12. Start communication with. First, the other bank automatic transaction apparatus 12 reads the determination information or the transaction information from the non-contact IC chip 202. However, since the other bank automatic transaction apparatus 12 does not execute its own bank determination, the response information is not transmitted to the non-contact IC chip 202. Self-determination means 203 waits for reception of response information until a predetermined time elapses after the other-line automatic transaction apparatus 12 reads the determination information or transaction information. If no response information is received, automatic transaction during communication is performed. It is determined that the device is an automatic transaction device of another bank.

  If it is determined that the transaction device is an automatic transaction apparatus of another bank, the own bank determination unit 203 inputs the determination result to the display control unit 204 and the agreement confirmation unit 205. Upon receiving the determination result, the display control unit 204 displays, for example, a message on the display unit 201 to notify the user that the automatic transaction apparatus in communication is an automatic transaction apparatus of another bank (for example, see FIG. 9). reference). In addition, the agreement confirmation unit 205 that has received the determination result generates a vibration or outputs a sound or a voice message to notify the user that the automatic transaction apparatus in communication is an automatic transaction apparatus of another bank, for example. Or causing the LED light to turn on / flash.

  In addition, the agreement confirmation unit 205 acquires a message for confirming with the user whether or not to continue the transaction, and position information of the automatic transaction apparatus of the bank in the vicinity. At this time, the agreement confirmation unit 205 uses the current position acquisition unit 207 to acquire the current position, and uses the device position acquisition unit 208 to acquire the position information of the automatic transaction apparatus of the bank. First, the current position acquisition unit 207 acquires the current position using the GPS function and the communication status with the base station. Next, the device position acquisition unit 208 transmits the current position information to the management server 30 using the communication unit 209, and acquires the position information of the own automatic transaction device existing around the current position. Note that the device position acquisition unit 208 may be configured to transmit information on its own bank to the management server 30 in addition to the current position information.

  When the position information of the automatic transaction apparatus of the bank is acquired via the communication means 209, the apparatus position acquisition means 208 inputs the acquired position information to the display control means 204. In addition, when a message for confirming with the user whether or not to continue the transaction is also acquired from the management server 30, the device position acquisition unit 208 inputs the message to the display control unit 204. When the position information and the message are input in this way, the display control unit 204 displays the input position information and the message on the display unit 201 and confirms the user's intention to continue the transaction. As a display method of the position information, for example, a method as shown in FIG. 11 or FIG. 12 can be considered. Further, as a message display method, for example, a method as shown in FIG. 13 is conceivable. The user's intention to continue the transaction is confirmed using such a method.

  When the user indicates the intention to continue the transaction using the input unit 206, the agreement confirmation unit 205 instructs the non-contact IC chip 202 to enter a state in which the transaction can be performed. For example, when the transaction information is not provided to the other bank automatic transaction apparatus 12, the agreement confirmation unit 205 transmits the transaction information to the non-contact IC chip 202, or the transaction information can be read. To. On the other hand, when the transaction information has already been read by the other bank automatic transaction apparatus 12 and the transaction information is ready to be executed, the agreement confirmation unit 205 instructs the non-contact IC chip 202 to perform a special instruction. Will not be issued. As described above, when the electronic device 20 is deceived by the other bank automatic transaction device 12, the electronic device 20 informs the user of the automatic transaction device existing in the vicinity and confirms the intention to continue the transaction. If there is no automatic transaction device in the neighborhood, provide a mechanism to notify the user of that fact, or make it possible to conduct a transaction without confirming the intention to continue the transaction. May be.

  The functional configuration of the electronic device 20 has been described above.

(2-1-5: Functional configuration of management server 30)
Next, the functional configuration of the management server 30 according to the present embodiment will be described in more detail with reference to FIG. FIG. 5 is an explanatory diagram for explaining the functional configuration of the management server 30 according to the present embodiment in more detail. Note that the functional configuration shown in FIG. 5 is an example, and the scope of application of the technique according to the present embodiment is not limited to this. For example, each function of the management server 30 may be realized by using one or more different information processing devices or storage devices, or may be realized by one or a group of information processing devices. Good.

  As shown in FIG. 5, the management server 30 mainly includes a communication unit 301, a display information providing unit 302, a display information database 303, a self-search unit 304, and a device position database 305.

  The communication unit 301 is a communication device for communicating with the electronic device 20 using a communication path such as a wireless communication line or a mobile phone line. The display information providing unit 302 is a unit that provides the electronic device 20 with display information such as a message and an image for confirming an intention to continue the transaction. The display information database 303 is storage means for storing display information provided by the display information providing means 302. The own bank search means 304 is a means for searching the position information of the own automated transaction apparatus existing around the current position based on the current position information (and the own bank information) received from the electronic device 20. For example, the bank search unit 304 refers to the device location database 305 in which the location information of the automatic transaction apparatus is stored, and extracts the location information of the corresponding automatic transaction device. In the device location database 305, for example, as shown in FIG. 10, an identification ID indicating the type of the automatic transaction device, a store name, location information (latitude, longitude), and the like are stored in association with each other.

  However, the own bank search means 304 does not use the apparatus position database 305 or uses it together with the position information of the own banking transaction apparatus existing around the current position from the map information published on the network. You may get it. When the position information of the own automated transaction apparatus existing around the current position can be acquired, the own search unit 304 transmits the acquired position information to the electronic device 20. On the other hand, when there is no self-banking automatic transaction apparatus around the current position, the self-search means 304 transmits a notification to the electronic device 20 that there is no self-banking automatic transaction apparatus. Note that the geographical range around the current position may be set in advance by the user, or may be set in advance by the administrator. In addition, this geographical range may be defined by a radius centered on the current position, or may be defined by a travel time when the user travels on foot or using transportation.

  The functional configuration of the management server 30 has been described above. Note that a mechanism for realizing the self-determination function of the electronic device 20 described above by the management server 30 may be provided. For example, the response information including the branch code or the like is transmitted to the management server 30, and the management server 30 automatically transmits the message and the position information to the electronic device 20 based on the response information. A mechanism can be considered. In this way, a modification in which a part of the functions of the electronic device 20 is delegated to the management server 30 is possible.

  The system configuration of the system according to the present embodiment has been described above.

[2-2: System operation]
Next, the operation of the system according to this embodiment will be described.

(2-2-1: Basic operation)
First, the basic operation of the system according to the present embodiment will be described with reference to FIGS. The basic operation described here relates to a mechanism that uses determination information.

(Operation when the electronic device 20 is tricked into the automated transaction device 11)
First, referring to FIG. FIG. 6 is an explanatory diagram for explaining an operation in a case where the electronic device 20 is tricked into the self-banking automatic transaction apparatus 11.

  The electronic device 20 acquires display information from the management server 30 as necessary when the power is turned on or when the self-determining application is activated (S101). Note that the processing in step S101 may be omitted. When the user places the electronic device 20 on the own automatic transaction device 11 (S102), the electronic device 20 transmits determination information as identification information for own decision to the own automatic transaction device 11 (S103). In addition, when the electronic device 20 is deceived, the bank automatic transaction apparatus 11 may be configured to automatically read out the determination information. The self-banking transaction apparatus 11 that has acquired the information for determination performs self-banking determination, and notifies the electronic device 20 of the result of the banking determination (S104). That is, the self-banking transaction apparatus 11 transmits response information to the electronic device 20.

  Next, the electronic device 20 receives the response information, confirms that it is “own” (S105), and puts it in a state where it is possible to execute the transaction. For example, the electronic device 20 can read out the transaction information stored in the non-contact IC chip 202 or transmits the transaction information to the own automatic transaction apparatus 11. Next, the automated transaction device 11 acquires transaction information such as a financial institution code, a store number, a deposit item code, and an account number from the non-contact IC chip 202 (S106). Next, the own automatic transaction apparatus 11 starts executing various transactions using the acquired transaction information (S107). After step S <b> 107, the self-banking transaction apparatus 11 can cause the user to select a transaction type that can be executed, or can perform a process related to the transaction selected by the user.

  The operation when the electronic device 20 is tricked into the self-banking transaction apparatus 11 has been described above.

(Operation when electronic device 20 is tricked into other bank automatic transaction device 12)
Reference is now made to FIG. FIG. 7 is an explanatory diagram for explaining an operation when the electronic device 20 is trapped on the other bank automatic transaction apparatus 12.

  The electronic device 20 acquires display information from the management server 30 as necessary when the power is turned on or when the self-determining application is activated (S111). Note that step S111 may move to a stage preceding step S116. When the user places the electronic device 20 on the other bank automatic transaction device 12 (S112), the electronic device 20 transmits determination information to the other bank automatic transaction device 12 as identification information for own bank determination (S113). However, since the other bank automatic transaction apparatus 12 does not perform the own bank determination, the result of the own bank determination is not notified to the electronic device 20 (S114). That is, the response information is not transmitted from the other bank automatic transaction apparatus 12 to the electronic device 20.

  Next, since the response information cannot be received, the electronic device 20 confirms “other line” (S115), and confirms whether or not to continue the transaction with the user (S116). At this time, the electronic device 20 notifies the user that it is “other bank” using a message, vibration, sound, light, etc., and confirms the intention to continue the transaction. For example, as shown in FIG. 13, the electronic device 20 displays a message on the display unit 201, and displays a button 2061 for searching for an automatic transaction device in the vicinity in the vicinity, and an intention to continue the transaction. Button 2062 and the like are displayed. For example, the electronic device 20 considers that there is an intention to continue the transaction when the button 2062 is operated. In addition, after the notification, the electronic device 20 may be considered to have an intention to continue the transaction when a predetermined time has passed without any operation in a state of being on the reader / writer 121.

  When it is determined that there is an intention to continue the transaction (S117), the electronic device 20 enters a state in which the transaction can be performed. For example, the electronic device 20 enables reading of transaction information stored in the non-contact IC chip 202 or transmits the transaction information to the other bank automatic transaction apparatus 12. After the transaction can be executed, the process proceeds to step S118. On the other hand, when it is determined that there is no intention to continue the transaction (S117), the electronic device 20 starts guidance to the bank (S120). Note that the process of guiding to the bank will be described in detail later.

  When the process proceeds to step S118, the other bank automatic transaction apparatus 12 acquires transaction information such as a financial institution code, a store number, a deposit item code, and an account number from the non-contact IC chip 202 (S118). Next, the other bank automatic transaction apparatus 12 starts executing various transactions using the acquired transaction information (S119). After step S119, the other-bank automatic transaction apparatus 12 can cause the user to select a transaction type that can be executed, or can perform a process related to the transaction selected by the user. On the other hand, when the process of step S120 is completed, a series of processes related to the transaction in the other bank automatic transaction device 12 ends.

(S120: Guide to own bank)
Here, the description of the processing in step S120 will be supplemented with reference to FIG.

  When the process proceeds to step S120, the electronic device 20 acquires the current position (S131). Next, the electronic device 20 transmits information including the current position to the management server 30 (S132). The management server 30 that has received the information including the current position searches for the own automatic transaction apparatus 11 that exists in the vicinity of the current position of the electronic device 20 (S133). When the search result of the own automated transaction apparatus 11 is obtained, the management server 30 transmits the detected position information of the automated transaction apparatus 11 to the electronic device 20 (S134). The electronic device 20 that has received the position information of the own automatic transaction apparatus 11 displays the received position information, guides the user to the own automatic transaction apparatus 11 (S135), and ends the process of step S120.

  At this time, for example, as shown in FIG. 11 or FIG. 12, the electronic device 20 displays a map around the current position, and displays the position information of the own automated transaction apparatus 11 on the map. In the example of FIG. 11, the position of the automated transaction device 11 is displayed together with the store name. On the other hand, in the example of FIG. 12, the current position is displayed as a black circle, and the position and store name of each automatic transaction device 11 are displayed on the screen. Moreover, you may be comprised so that the address of the self-banking transaction apparatus 11, the route from the nearest station, etc. may be displayed collectively. Furthermore, the type of service provided by each automatic transaction device 11, whether the automatic transaction device 11 is installed in a business institution of a financial institution, or the automatic transaction device 11 is installed alone, etc. These information may be displayed together.

  The operation in the case where the electronic device 20 is tricked into the other bank automatic transaction device 12 has been described above.

(2-2-2: Modification # 1)
Next, an operation according to a modified example (modified example # 1) of the system according to the present embodiment will be described with reference to FIGS. The operation of Modification # 1 described here relates to a mechanism that uses transaction information.

(Operation when the electronic device 20 is tricked into the automated transaction device 11)
First, referring to FIG. FIG. 14 is an explanatory diagram for explaining an operation in a case where the electronic device 20 is tricked into the self-banking automatic transaction apparatus 11.

  The electronic device 20 acquires display information from the management server 30 as necessary when the power is turned on or when the self-determining application is activated (S201). Note that the process of step S201 may be omitted. When the user places the electronic device 20 on the self-banking automatic transaction apparatus 11 (S202), the electronic apparatus 20 transmits transaction information that can be used as identification information for self-banking determination to the self-banking automatic transaction apparatus 11 (S203). In addition, when the electronic device 20 is deceived, the bank automatic transaction apparatus 11 may be configured to automatically read the transaction information. The transaction information includes, for example, a financial institution code, a store number, a deposit item code, and an account number. In this case, if the financial institution code is used, self-determination can be performed.

  The self-banking transaction apparatus 11 that has acquired the transaction information performs its own bank determination, and notifies the electronic device 20 of the result of the bank determination (S204). That is, the self-banking transaction apparatus 11 transmits response information to the electronic device 20. Next, the electronic device 20 receives the response information and confirms that it is “own” (S205). Next, the automatic transaction device 11 starts executing various transactions using the transaction information acquired in step S203 (S206). After step S <b> 206, the automated transaction apparatus 11 allows the user to select a transaction type that can be executed, or can perform processing related to the transaction selected by the user.

  The operation when the electronic device 20 is tricked into the self-banking transaction apparatus 11 has been described above.

(Operation when electronic device 20 is tricked into other bank automatic transaction device 12)
Reference is now made to FIG. FIG. 15 is an explanatory diagram for explaining an operation when the electronic device 20 is tricked into the other bank automatic transaction apparatus 12.

  The electronic device 20 acquires display information from the management server 30 as needed when the power is turned on or when the self-determining application is activated (S211). Note that step S211 may move to the previous stage of step S216. When the user places the electronic device 20 on the other bank automatic transaction device 12 (S212), the electronic device 20 transmits transaction information usable as identification information for own bank determination to the other bank automatic transaction device 12 (S213). ). In addition, when the electronic device 20 is deceived, the other bank automatic transaction apparatus 12 may be comprised so that the information for transaction may be read automatically. The transaction information includes, for example, a financial institution code, a store number, a deposit item code, and an account number. In this case, if the financial institution code is used, self-determination can be performed.

  However, since the other bank automatic transaction apparatus 12 does not perform the own bank determination, the result of the own bank determination is not notified to the electronic device 20 (S214). That is, the response information is not transmitted from the other bank automatic transaction apparatus 12 to the electronic device 20.

  Next, since the response information cannot be received, the electronic device 20 confirms “other line” (S215), and confirms whether or not to continue the transaction with the user (S216). At this time, the electronic device 20 notifies the user that it is “other bank” using a message, vibration, sound, light, etc., and confirms the intention to continue the transaction. For example, as shown in FIG. 13, the electronic device 20 displays a message on the display unit 201, and displays a button 2061 for searching for an automatic transaction device in the vicinity in the vicinity, and an intention to continue the transaction. Button 2062 and the like are displayed. For example, the electronic device 20 considers that there is an intention to continue the transaction when the button 2062 is operated. In addition, after the notification, the electronic device 20 may be considered to have an intention to continue the transaction when a predetermined time has passed without any operation in a state of being on the reader / writer 121.

  If it is determined that there is an intention to continue the transaction (S217), the process proceeds to step S218. On the other hand, when it is determined that there is no intention to continue the transaction (S217), the electronic device 20 starts guidance to the bank (S219). The process in step S219 is substantially the same as the process in step S120 described with reference to FIG.

  When the process proceeds to step S118, the other bank automatic transaction apparatus 12 starts executing various transactions using the transaction information acquired in step S213 (S218). After step S <b> 218, the other bank automatic transaction apparatus 12 can cause the user to select an executable transaction type, or can perform a process related to the transaction selected by the user. On the other hand, when the process of step S219 is completed, a series of processes related to the transaction in the other bank automatic transaction device 12 is completed.

  The operation in the case where the electronic device 20 is tricked into the other bank automatic transaction device 12 has been described above.

(2-2-3: Modification # 2)
Next, an operation according to a modified example (modified example # 2) of the system according to the present embodiment will be described with reference to FIG. The operation of the modified example # 2 described here relates to a mechanism for continuing a transaction even in another bank and performing a guidance to the bank as necessary at the next transaction. In addition, although the structure which makes own decision using transaction information is shown here, it is also possible to make it the structure which makes own decision using information for determination. In addition, the operation when the electronic device 20 is trapped on the own automatic transaction apparatus 11 is substantially the same as the above-described modification # 1.

(Operation when electronic device 20 is tricked into other bank automatic transaction device 12)
Refer to FIG. FIG. 16 is an explanatory diagram for explaining an operation when the electronic device 20 is tricked into the other bank automatic transaction device 12.

  The electronic device 20 acquires display information from the management server 30 as necessary when the power is turned on or when the self-determining application is activated (S311). Note that step S311 may move to a stage preceding step S316. When the user places the electronic device 20 on the other bank automatic transaction device 12 (S312), the electronic device 20 transmits transaction information usable as identification information for own bank determination to the other bank automatic transaction device 12 (S313). ). In addition, when the electronic device 20 is deceived, the other bank automatic transaction apparatus 12 may be comprised so that the information for transaction may be read automatically. The transaction information includes, for example, a financial institution code, a store number, a deposit item code, and an account number. In this case, if the financial institution code is used, self-determination can be performed.

  However, since the other bank automatic transaction apparatus 12 does not perform the own bank determination, the result of the own bank determination is not notified to the electronic device 20 (S314). That is, the response information is not transmitted from the other bank automatic transaction apparatus 12 to the electronic device 20.

  Next, since the response information cannot be received, the electronic device 20 confirms that it is “other row” (S315), and the electronic device 20 indicates that it is “other row”, such as a message, vibration, sound, light, etc. Notify users using. Next, the electronic device 20 determines whether or not the transaction has been continued in the same other bank automatic transaction device 12 (S317). When the transaction is continued in the same other bank automatic transaction apparatus 12 last time, the electronic device 20 advances the process to step S319. On the other hand, when there is no history of continuing the transaction in the same other bank automatic transaction apparatus 12, the process proceeds to step S318. In addition, as the history, for example, it is possible to use information on the current position when the transaction is continued with the other bank automatic transaction device 12 in the past.

  When the process has proceeded to step S319, the electronic device 20 starts guidance to the bank (S319). The processing in step S319 is substantially the same as the processing in step S120 described with reference to FIG.

  When the process proceeds to step S318, the other bank automatic transaction apparatus 12 starts executing various transactions using the transaction information acquired in step S313 (S318). After step S <b> 318, the other bank automatic transaction apparatus 12 can cause the user to select an executable transaction type, or can perform a process related to the transaction selected by the user. On the other hand, when the process of step S319 is completed, a series of processes related to the transaction in the other bank automatic transaction device 12 is completed.

  The operation in the case where the electronic device 20 is tricked into the other bank automatic transaction device 12 has been described above.

[2-3: Others]
Here, a supplementary explanation will be given for modifications and application examples of the system according to the present embodiment.

(2-3-1: Application startup timing)
First, the activation timing of the self-guided application installed in the electronic device 20 main body will be described. As described above, the electronic device 20 according to this embodiment includes the non-contact IC chip 202 in which transaction information is stored. Therefore, it is possible to carry out a transaction by an automatic transaction apparatus using the function of the non-contact IC chip 202. On the other hand, a part of the function of providing the user with location information of the automatic transaction device of the own bank or notifying that the automatic transaction device in communication is an automatic transaction device of another bank according to the result of the own bank determination or All are realized by a self-guided application installed in the electronic device 20 main body.

  As a startup timing of the self-guided application, for example, a method of starting up when the electronic device 20 is turned on can be considered. In addition, a method may be considered in which the self-guide application is activated at the timing when the electronic device 20 is trapped by the automatic transaction apparatus. However, when the electronic device 20 is deceived by the own automatic transaction apparatus 11, it is not necessary to notify the user of the position information of the own automatic transaction apparatus existing around the current position. Therefore, when the automatic transaction apparatus in communication is an automatic transaction apparatus of the own bank, a method of starting the own guidance application at the timing deceived by the automatic transaction apparatus of another bank without starting the own bank guidance application Is considered efficient. However, if the startup time of the self-guided application is long and the response is likely to decrease, a method of starting in advance is considered preferable.

(2-3-2: Function of non-contact IC chip 202)
Next, the description of the range of processing executed by the non-contact IC chip 202 will be supplemented. As illustrated in FIG. 4, first, a configuration in which the non-contact IC chip 202 is used as a non-contact communication means and a transaction information storage means is conceivable. As another example, the non-contact IC chip 202 is equipped with the function of the self-determining means 203, and the non-contact IC chip 202 is equipped with a function for starting the self-guidance guidance application according to the result of self-determination. Conceivable. On the other hand, the non-contact IC chip 202 may simply hold response information, and the self-guide application may monitor the presence or absence of response information held by the non-contact IC chip 202. In addition, although the self-determination is not performed, a configuration in which the non-contact IC chip 202 is equipped with a function of starting an application for self-guide when it is detected that the user is deceived by the automatic transaction apparatus is also conceivable.

(2-3-3: Examples other than ATM)
Next, the description of the form of the automatic transaction apparatus will be supplemented.

(Example of application to street corner terminals)
So far, the description has been made assuming a bank ATM, but the form of the automatic transaction apparatus belonging to the scope of application of the technology according to the present embodiment is not limited to the bank ATM. Specifically, any device may be used as long as it has a function for non-contact communication with the non-contact IC chip 202 and a function for self-determination. As such a device, an information providing terminal device installed at a street corner can be exemplified. More specifically, it is a terminal device equipped with a reader / writer function and a self-determining function, which establishes a communication path with the non-contact IC chip 202 and simulates without transmitting response information. A terminal device that can be recognized as an automatic transaction device of another bank can be considered. Although this terminal device does not perform its own bank decision, it is possible to provide the user with the location information of the own banking automatic transaction apparatus using the mechanism of the electronic device 20 described above.

(Application example to vending machines)
It is conceivable to apply the above-described mechanism to a vending machine. For example, when the electronic device 20 equipped with the non-contact IC chip 202 corresponding to the company C is placed on the vending machine of the company D, the application is applied to a mechanism in which a vending machine of the company C existing in the vicinity is recommended. Can do.

  As described above, the technology according to the present embodiment can be implemented in various forms, and the application range is not limited to one genre of financial institutions.

[2-4: Hardware configuration example]
The function of each component included in the electronic device 20 or the like can be realized using, for example, a hardware configuration illustrated in FIG. That is, the function of each component is realized by controlling the hardware shown in FIG. 17 using a computer program. The form of the hardware is arbitrary, and includes, for example, a personal computer, a mobile phone, a portable information terminal such as a PHS, a PDA, a game machine, or various information appliances. However, the above PHS is an abbreviation of Personal Handy-phone System. The PDA is an abbreviation for Personal Digital Assistant.

  As shown in FIG. 17, this hardware mainly includes a CPU 902, a ROM 904, a RAM 906, a host bus 908, and a bridge 910. Further, this hardware includes an external bus 912, an interface 914, an input unit 916, an output unit 918, a storage unit 920, a drive 922, a connection port 924, and a communication unit 926. However, the CPU is an abbreviation for Central Processing Unit. The ROM is an abbreviation for Read Only Memory. The RAM is an abbreviation for Random Access Memory.

  The CPU 902 functions as, for example, an arithmetic processing unit or a control unit, and controls the overall operation of each component or a part thereof based on various programs recorded in the ROM 904, the RAM 906, the storage unit 920, or the removable recording medium 928. . The ROM 904 is a means for storing a program read by the CPU 902, data used for calculation, and the like. In the RAM 906, for example, a program read by the CPU 902, various parameters that change as appropriate when the program is executed, and the like are temporarily or permanently stored.

  These components are connected to each other via, for example, a host bus 908 capable of high-speed data transmission. On the other hand, the host bus 908 is connected to an external bus 912 having a relatively low data transmission speed via a bridge 910, for example. As the input unit 916, for example, a mouse, a keyboard, a touch panel, a button, a switch, a lever, or the like is used. Further, as the input unit 916, a remote controller (hereinafter referred to as a remote controller) capable of transmitting a control signal using infrared rays or other radio waves may be used.

  As the output unit 918, for example, a display device such as a CRT, LCD, PDP, or ELD, an audio output device such as a speaker or a headphone, a printer, a mobile phone, or a facsimile, etc. Or it is an apparatus which can notify audibly. However, the above CRT is an abbreviation for Cathode Ray Tube. The LCD is an abbreviation for Liquid Crystal Display. The PDP is an abbreviation for Plasma Display Panel. Furthermore, the ELD is an abbreviation for Electro-Luminescence Display.

  The storage unit 920 is a device for storing various data. As the storage unit 920, for example, a magnetic storage device such as a hard disk drive (HDD), a semiconductor storage device, an optical storage device, a magneto-optical storage device, or the like is used. However, the HDD is an abbreviation for Hard Disk Drive.

  The drive 922 is a device that reads information recorded on a removable recording medium 928 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, or writes information to the removable recording medium 928. The removable recording medium 928 is, for example, a DVD medium, a Blu-ray medium, an HD DVD medium, or various semiconductor storage media. Of course, the removable recording medium 928 may be, for example, an IC card on which a non-contact type IC chip is mounted, an electronic device, or the like. However, the above IC is an abbreviation for Integrated Circuit.

  The connection port 924 is a port for connecting an external connection device 930 such as a USB port, an IEEE 1394 port, a SCSI, an RS-232C port, or an optical audio terminal. The external connection device 930 is, for example, a printer, a portable music player, a digital camera, a digital video camera, or an IC recorder. However, the above USB is an abbreviation for Universal Serial Bus. The SCSI is an abbreviation for Small Computer System Interface.

  The communication unit 926 is a communication device for connecting to the network 932. For example, a wired or wireless LAN, Bluetooth (registered trademark), or a WUSB communication card, an optical communication router, an ADSL router, or various types It is a modem for communication. The network 932 connected to the communication unit 926 is configured by a wired or wireless network, such as the Internet, home LAN, infrared communication, visible light communication, broadcast, or satellite communication. However, the above LAN is an abbreviation for Local Area Network. The WUSB is an abbreviation for Wireless USB. The above ADSL is an abbreviation for Asymmetric Digital Subscriber Line.

  As mentioned above, although preferred embodiment of this invention was described referring an accompanying drawing, it cannot be overemphasized that this invention is not limited to the example which concerns. It will be apparent to those skilled in the art that various changes and modifications can be made within the scope of the claims, and these are naturally within the technical scope of the present invention. Understood.

DESCRIPTION OF SYMBOLS 11 Self-banking automatic transaction apparatus 111 Reader / writer 112 Information acquisition means 113 Self-reporting means 114 Transaction processing means 115 Display means 116 Input means 12 Other line automatic transaction apparatus 121 Reader / writer 122 Information acquisition means 123 Transaction processing means 124 Display means 125 Input Means 20 Electronic device 201 Display means 202 Non-contact IC chip 2021 Non-contact communication means 2022 Secure memory 2023 Arithmetic processing means 203 Self-determination means 204 Display control means 205 Agreement confirmation means 206 Input means 207 Current position acquisition means 208 Device position acquisition means 209 Communication means 30 Management server 301 Communication means 302 Display information providing means 303 Display information database 304 Own search means 305 Device location database 41, 42 Core system

Claims (16)

Computer
A first communication means capable of communicating with an automatic transaction apparatus by non-contact communication;
An information providing means for providing a user with location information of an automatic transaction apparatus of the bank existing near the current position when the automatic transaction apparatus in communication using the first communication means is an automatic transaction apparatus of another bank;
Program to function as The computer,
A second communication means different from the first communication means;
Device position acquisition means for acquiring position information of the automatic transaction device of the bank from an external device using the second communication means;
The program according to claim 1, further functioning as: The computer,
Using the first communication means, a part or all of transaction information used for carrying out a transaction is transmitted to the automatic transaction apparatus in communication, and the transaction can be executed in the automatic transaction apparatus in communication Transaction processing means that can be
Further function as
The transaction information includes identification information that enables the communicating automatic transaction apparatus to determine whether or not the automatic transaction apparatus in communication is the own automatic transaction apparatus. The program according to claim 1 or 2. The identification information is information that can be identified only by the automated transaction device of the bank,
The transaction processing means receives response information transmitted by the automatic transaction apparatus in communication according to the identification information when the automatic transaction apparatus in communication is the own automatic transaction apparatus,
The program according to claim 3, wherein the information providing means provides the user with location information of the automatic transaction apparatus of the bank when the response information is not received by the transaction processing means. The identification information is information used to specify a trading partner when performing the transaction in an automatic transaction apparatus,
The transaction processing means receives response information transmitted by the automatic transaction apparatus in communication according to the identification information when the automatic transaction apparatus in communication is the own automatic transaction apparatus,
The program according to claim 3, wherein the information providing means provides the user with location information of the automatic transaction apparatus of the bank when the response information is not received by the transaction processing means. The information providing means notifies the user that the automatic transaction apparatus in communication is the automatic transaction apparatus of the other bank when the response information is not received by the transaction processing means, and continues the transaction after the notification. 6. The program according to claim 4, wherein, when an intention to do so is indicated, the location information of the automatic transaction device of the bank is not provided to the user. The information providing means notifies the user that the automatic transaction apparatus in communication is the automatic transaction apparatus of the other bank when the response information is not received by the transaction processing means, and continues the transaction after the notification. The program according to any one of claims 4 to 6, wherein when a predetermined time elapses in a state where no intention to do so is indicated, the location information of the automatic transaction device of the bank is not provided to the user. The information providing means determines that the automatic transaction apparatus in communication is the automatic transaction apparatus of the other bank, any one of generation of vibration, output of sound, output of light, display of image, display of characters The program according to claim 6 or 7, wherein the notification is made by a combination of a plurality of combinations. When the information providing means does not provide the user with the location information of the automatic transaction apparatus of the bank, the transaction processing means continues the process for making the transaction executable in the automatic transaction apparatus in communication The program according to any one of claims 6 to 8, characterized in that: The program according to any one of claims 4 to 9, wherein the identification information is the bank's own financial institution code. The second communication means is capable of communicating with at least a service providing system that provides a service for searching for location information of the automatic transaction apparatus of the bank.
The computer,
Current position acquisition means for acquiring the current position;
Further function as
The apparatus position acquisition means transmits the information on the current position acquired by the current position acquisition means to the service providing system by the second communication means, and the automatic transaction apparatus of the own bank existing in the vicinity of the current position. The program according to claim 2, wherein the position information is acquired from the service providing system. The transaction processing means is in a state where the transaction can be carried out in the automatic transaction apparatus in communication even when the automatic transaction apparatus in communication using the first communication means is the automatic transaction apparatus of the other bank West,
The information providing means, when the transaction processing means tries to execute a process for making the transaction executable in the automatic transaction apparatus of the other bank, a history of executing the transaction in the past in the automatic transaction apparatus is The program according to claim 3, wherein, in a case, the user is provided with position information of the automatic transaction apparatus of the bank that exists in the vicinity of the current position. The application for realizing the function of the information providing means is started when a communication path is established with the automatic transaction apparatus by the first communication means. The program according to any one of the above. The application for realizing the function of the information providing means is started when it is determined that the communicating automatic transaction apparatus is the automatic transaction apparatus of the other bank. 13. The program according to any one of items 12. An electronic device equipped with a first communication means capable of communicating with an automatic transaction apparatus by non-contact communication is an automatic transaction apparatus of another bank in which the automatic transaction apparatus in communication using the first communication means is In the case, the information providing step of providing the user with the position information of the automatic transaction apparatus of the bank existing near the current position is provided. A first communication function capable of communicating with an automatic transaction apparatus by non-contact communication;
An information providing function for providing a user with location information of an automatic transaction device of the bank existing near the current position when the automatic transaction device in communication using the first communication function is an automatic transaction device of another bank; ,
An electronic device comprising:

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