JP2017173987A - Transaction reservation method, transaction reservation device, transaction reservation system, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce time required for cash transaction.SOLUTION: A transaction reservation device 100 comprises: an acquisition unit 110 for acquiring user's account information, identification information associated with the user and reservation information indicating the amount of money; an authentication unit 120 for authenticating the acquired reservation information on the basis of information previously registered; and a write control unit 130 for causing a write unit to execute write of transaction information indicating cash transaction with the amount of money that the authenticated reservation information indicates, into a storage medium associated with the user before the transaction.SELECTED DRAWING: Figure 1

Description

  The present disclosure relates to cash transactions.

  A transaction by a cash transaction apparatus such as ATM (Automatic Teller Machine) may require a waiting time. For example, when a large number of customers require transactions as compared with the number of installed cash transaction apparatuses, the users conventionally use the cash transaction apparatuses on a first-come-first-served basis. In addition, even after the customer becomes his / her turn and the cash transaction apparatus can be used, it takes time to input the personal identification number. In addition, such input operations increase the waiting time for subsequent users.

  In bank transactions that do not involve cash, so-called Internet banking is also used. However, when cash is required, it is still necessary to use a cash transaction apparatus or a manned window. Moreover, the technique of using a mobile communication terminal such as a smartphone for transactions involving cash is not limited to Internet banking. For example, Patent Document 1 discloses a mobile phone that communicates with an ATM by short-range wireless communication such as Bluetooth (registered trademark) and transmits information such as an input password to the ATM.

JP 2013-117849 A

  Such technology related to cash transactions inevitably generates a certain amount of time required for transactions even if a mobile communication terminal is used. For example, in the technique described in Patent Document 1, a mobile phone user needs to input a personal identification number after inserting a cash card into an ATM, and requires an input operation in front of the ATM.

  One exemplary purpose of the present disclosure is to reduce the time required for cash transactions.

  The transaction reservation method according to one aspect of the present disclosure acquires reservation information indicating a user's account information and amount, authenticates the acquired reservation information based on information registered in advance, and the authenticated reservation information The transaction information indicating the cash transaction with the amount indicated by is written to the storage medium associated with the user before the transaction.

  A transaction reservation apparatus according to another aspect of the present disclosure includes an acquisition unit that acquires reservation information indicating a user's account information and amount, and an authentication unit that authenticates the acquired reservation information based on information registered in advance. And write control means for causing the writing means to write the transaction information indicating the cash transaction by the amount indicated by the authenticated reservation information to the storage medium associated with the user before the transaction.

  A transaction reservation system according to yet another aspect of the present disclosure includes a mobile communication terminal and a server device, and the mobile communication terminal transmits transmission information that indicates user account information and money amount to the server device. Means, and writing means for writing transaction information indicating a cash transaction with the amount indicated by the reservation information to a storage medium, the server device receiving the transmitted reservation information, and the reception Authenticating means for authenticating the reserved information based on pre-registered information, and causing the writing means to execute writing of the transaction information corresponding to the authenticated reservation information to the storage medium before the transaction Writing control means.

  A program according to still another aspect of the present disclosure includes a process of acquiring reservation information indicating a user's account information and amount in a computer, and a process of authenticating the acquired reservation information based on information registered in advance. And a process for causing the writing means to write the transaction information indicating the cash transaction with the amount indicated by the authenticated reservation information to the storage medium associated with the user before the transaction.

  According to the present disclosure, the time required for cash transactions is reduced.

FIG. 1 is a block diagram illustrating an example of a configuration of a transaction reservation apparatus. FIG. 2 is a flowchart showing an example of the operation of the transaction reservation apparatus. FIG. 3 is a block diagram showing an example of the configuration of the transaction system. FIG. 4 is a block diagram showing an example of the configuration of the mobile communication terminal. FIG. 5 is a diagram illustrating an example of account information. FIG. 6 is a block diagram showing an example of an ATM configuration. FIG. 7 is a sequence chart showing the operation of each part of the transaction system. FIG. 8 is a sequence chart showing the operation of each part of the transaction system. FIG. 9 is a diagram illustrating an example of a menu screen. FIG. 10 is a diagram illustrating an example of the input screen. FIG. 11 is a diagram illustrating an example of a registration screen. FIG. 12 is a sequence chart showing the operation of each part of the transaction system. FIG. 13 is a sequence chart showing the operation of each part of the transaction system. FIG. 14 is a diagram illustrating an example of the input screen. FIG. 15 is a diagram illustrating an example of a confirmation screen. FIG. 16 is a diagram illustrating an example of a reservation completion screen. FIG. 17 is a sequence chart showing an example of the operation of each part of the transaction system. FIG. 18 is a block diagram showing an example of the configuration of the transaction reservation system. FIG. 19 is a block diagram illustrating an example of a hardware configuration of a computer apparatus.

[First Embodiment]
FIG. 1 is a block diagram illustrating a configuration of a transaction reservation apparatus 100 according to an embodiment of the present disclosure. Transaction reservation device 100 is an information processing device used for cash transactions. Transaction reservation apparatus 100 includes an acquisition unit 110, an authentication unit 120, and a writing control unit 130.

  In the present embodiment, cash transaction refers to an act of withdrawing (withdrawing) a part or all of money deposited in a predetermined financial institution (for example, a bank) using banknotes or money. However, as described later, the transaction in the present disclosure is not limited to this act.

  The transaction reservation device 100 enables reservations for transactions, that is, reservations for withdrawals. Transaction reservation apparatus 100 accepts a reservation via a predetermined communication terminal. Transaction reservation apparatus 100 executes control for writing transaction information indicating a reserved transaction in a storage medium readable by the cash transaction apparatus.

  The acquisition unit 110 acquires reservation information. The reservation information is information indicating at least account information and an amount of money. The reservation information may include other information. For example, the reservation information may include identification information associated with the user (withdrawer) and information indicating the date and time when the transaction is reserved. The identification information may be associated with the user itself, but may be associated with the user's property (such as a mobile communication terminal). The identification information may be information that can uniquely identify the user related to the reservation information.

  The account information is information for specifying the user's bank account. The account information typically includes at least an account number. Further, the account information may include information indicating a financial institution, a store (the head office, a branch, etc.), an account type (a normal deposit, a current account, etc.), an account holder, the date of birth of the holder, or a password .

  The acquisition unit 110 acquires reservation information via a predetermined communication terminal. This communication terminal is, for example, a mobile communication terminal owned by a user such as a smartphone, but is not necessarily a mobile device and may not be a user's property. For example, the user may transmit the reservation information to the transaction reservation apparatus 100 using his or her own personal computer connected to a network such as the Internet.

  The authentication unit 120 authenticates the reservation information acquired by the acquisition unit 110. Authentication here refers to checking the validity of information. The authentication unit 120 authenticates reservation information based on information registered in advance. For example, the authentication unit 120 authenticates the reservation information acquired by the acquisition unit 110 by comparing it with account information stored in advance. Alternatively, the authentication unit 120 compares the reservation information acquired by the acquisition unit 110 with a combination of account information and identification information stored in advance, and a combination of account information and identification information included in the reservation information is stored in advance. It may be determined whether or not the combination matches.

  Note that the authentication method by the authentication unit 120 is not limited to the example described above. In addition to the account information and identification information included in the reservation information, the authentication unit 120 may determine the validity of the amount. For example, the authentication unit 120 may determine whether the amount included in the reservation information is a predetermined amount (such as a limit amount) or less or a balance of the user's account.

  The writing control unit 130 executes processing according to the reservation information authenticated by the authentication unit 120 (that is, the validity is confirmed). The write control unit 130 executes control for writing transaction information indicating a transaction with the amount indicated by the reservation information authenticated by the authentication unit 120 to a predetermined storage medium readable by the cash transaction apparatus. The transaction information may include information similar to the reservation information, and other information may be added. For example, the transaction information may include information (transaction serial number) for managing the transaction and information indicating the expiration date of the transaction.

  The storage medium on which transaction information is recorded is, for example, an IC (Integrated Circuit) chip capable of non-contact communication. This IC chip is, for example, an IC chip of a communication system (or similar communication system) compliant with NFC (Near Field Communication) standardized by ISO / IEC (International Organization for Standardization / International Electrotechnical Commission). The IC chip may be a card type or may be mounted on a mobile communication terminal. The term “mounting” as used herein may include other modes that are incorporated so as to be accessible from the mobile communication terminal main body, in addition to the modes that are built in the mobile communication terminal.

  The write control unit 130 causes the writing means to write the transaction information to the storage medium. The writing means here is specifically a reader / writer of an IC chip, for example. The writing means may be included in the mobile communication terminal owned by the user, but may be included in the transaction reservation apparatus 100.

  Information used in the transaction reservation apparatus 100 may be subjected to information reading restrictions (encryption or the like) and cancellation of the restrictions (decryption or the like) at an appropriate timing. For example, the account information may include not the account number itself but information processed by a predetermined method so that the account number can be specified.

  FIG. 2 is a flowchart showing the operation of the transaction reservation apparatus 100. Note that the transaction reservation apparatus 100 executes an operation related to a certain transaction in advance, that is, before the transaction. In step S11, the acquisition unit 110 acquires reservation information. The acquisition unit 110 supplies this reservation information to the authentication unit 120. In step S12, the authentication unit 120 authenticates the reservation information.

  The writing control unit 130 executes processing according to the authentication result by the authentication unit 120. Specifically, the write control unit 130 determines whether or not the reservation information has been authenticated by the authentication unit 120 in step S13. When it is determined that the reservation information is valid (step S13: YES), the writing control unit 130 causes the writing unit to write the transaction information in step S14.

  On the other hand, when it is determined that the reservation information is not valid (step S13: NO), the write control unit 130 skips the process of step S14. That is, the writing control unit 130 does not cause the writing unit to write transaction information. If it is determined that the reservation information is not valid, the write control unit 130 may execute an error process. The error process is a process of notifying the user that there is an error in account information or the like, for example.

  As described above, according to the present embodiment, transaction information can be written in advance in a predetermined storage medium associated with the user and readable by the cash transaction apparatus. The user can withdraw the reserved amount of cash by causing the cash transaction apparatus to read the storage medium. The user can reduce the time spent in the vicinity of the cash transaction apparatus as compared with the case where the user inputs an amount or the like with a touch screen display or button provided in the cash transaction apparatus.

  Note that the operation of the transaction reservation apparatus 100 shown in FIG. 2 can be executed before the transaction and does not need to be executed in the vicinity of the cash transaction apparatus. Therefore, the user can execute a reservation at a predetermined timing regardless of the location where the cash transaction apparatus is installed.

[Second Embodiment]
The present embodiment corresponds to a specific example or an application example of the first embodiment described above. Specifically, in this embodiment, the user executes a transaction using a mobile communication terminal equipped with an IC chip. The present embodiment will be described as an example in which FeliCa (registered trademark) technology is used for an IC chip. The communication system of FeliCa technology is compliant with ISO / IEC 18092. In the present embodiment, the same terms as those in the first embodiment are used in the same meaning as in the first embodiment unless otherwise defined or explained.

  FIG. 3 is a block diagram showing a configuration of the transaction system 200 according to the present embodiment. Trading system 200 includes mobile communication terminal 210, first server 220, second server 230, FeliCa server 240, billing system host 250, and ATM 260. The number of these components is not limited to a specific number.

  The mobile communication terminal 210 is a wireless communication terminal possessed by the user. The mobile communication terminal 210 is, for example, a smartphone or a tablet terminal. The mobile communication terminal 210 is connected to the first server 220, the second server 230, and the FeliCa server 240 via a network 270. The network 270 is, for example, the Internet or a mobile communication network. Network 270 may include multiple networks.

  FIG. 4 is a block diagram showing the configuration of the mobile communication terminal 210. The mobile communication terminal 210 includes a control unit 211, a storage unit 212, a communication unit 213, a UI (User Interface) unit 214, and a FeliCa chip 215.

  The control unit 211 controls the operation of each unit of the mobile communication terminal 210. The control unit 211 includes a processor such as a CPU (Central Processing Unit) and a memory corresponding to a main storage device. The control unit 211 realizes a predetermined function by executing a program. The functions realized by the control unit 211 include a series of functions related to transaction reservation (hereinafter also referred to as “withdrawal reservation function”).

  The storage unit 212 corresponds to an auxiliary storage device. The storage unit 212 includes a nonvolatile storage medium such as a flash memory, for example. The storage unit 212 may include an interface for exchanging data with a removable storage unit such as a memory card. This removable storage means may include a UIM (User Identity Module) card.

  The storage unit 212 stores data used for the control unit 211. For example, the storage unit 212 stores a program executed by the control unit 211. The program stored in the storage unit 212 includes an application program for realizing the withdrawal reservation function. Hereinafter, this application program is also referred to as “withdrawal reservation application”.

  The communication unit 213 exchanges data with other devices via the network 270. The UI unit 214 accepts input from the user and presents information to the user. The UI unit 214 may include a liquid crystal display, a button (keypad), a touch screen display, a speaker, a microphone, and the like. The UI unit 214 may include a haptic interface such as a vibrator.

  The FeliCa chip 215 is an IC chip that can communicate with the ATM 260. More specifically, the FeliCa chip 215 includes a processor 2151, a memory 2152, and an antenna 2153.

  The processor 2151 includes one or more arithmetic processing circuits such as a CPU and a coprocessor. The processor 2151 executes reading of data from the memory 2152 and writing of data to the memory 2152. Further, the processor 2151 executes encryption and decryption of data. The memory 2152 may include a ROM (Read Only Memory), a RAM (Random Access Memory), an EEPROM (Electrically Erasable Programmable ROM), and the like. Note that data stored in a specific storage area of the memory 2152 is restricted from being accessed from the mobile communication terminal 210 main body. The antenna 2153 transmits and receives data to and from the ATM 260 using the FeliCa technology communication method.

  The mobile communication terminal 210 is assigned identification information for identifying the FeliCa chip 215 (or a mobile communication terminal using the FeliCa chip 215). This identification information is hereinafter referred to as “terminal identification information”. The terminal identification information corresponds to an example of identification information in the first embodiment.

  The terminal identification information is, for example, a manufacturing ID (IDm) of the FeliCa chip 215. The manufacturing ID is a non-rewritable identification number unique to the FeliCa chip 215 recorded in the FeliCa chip 215 at the time of manufacturing. Alternatively, the terminal identification information is identification information unique to the mobile communication terminal 210, such as IMEI (International Mobile Equipment Identity) or IMSI (International Mobile Subscriber Identity). Alternatively, the terminal identification information may be identification information unique to the user assigned when using the withdrawal reservation application.

  The first server 220 and the second server 230 are server devices that manage cash transactions using the mobile communication terminal 210. The second server 230 has a function corresponding to the transaction reservation apparatus 100 of the first embodiment. That is, the second server 230 has functions corresponding to the acquisition unit 110, the authentication unit 120, and the write control unit 130.

  The FeliCa server 240 gives a predetermined function to the mobile communication terminal 210. In the present embodiment, the FeliCa server 240 executes processing for setting a storage area for the withdrawal reservation function in the memory 2152 of the FeliCa chip 215. This process is hereinafter referred to as “area issue process”. In addition, the FeliCa server 240 executes processing for controlling reading, writing, and deletion of data with respect to the storage area set by the area issue processing. Data necessary for executing these processes is registered in advance in the FeliCa server 240 by a service provider that provides a withdrawal reservation application and operates the first server 220 and the second server 230. Note that the storage area set by the area issuing process is restricted from being accessed from the mobile communication terminal 210 main body.

  The account host 250 is a computer device that manages account information. The billing system host 250 exchanges data with the ATM 260 via a predetermined network such as a dedicated line or a VPN (Virtual Private Network). Further, the account host 250 checks account information in response to a request from the first server 220.

  FIG. 5 is a diagram showing account information in the present embodiment. Account information is roughly divided into account identification information and identity verification information. The account identification information includes a financial institution code, a store number, and an account number. The financial institution code is a number assigned to identify the financial institution. The store number is a number assigned to identify the store of the financial institution identified by the financial institution code. The account number is a number assigned to identify the user's account. The identity verification information includes the name, date of birth, and password. The identity verification information is registered in advance with the financial institution by the user. If the withdrawal reservation application is an application program for a specific financial institution, no financial institution code is required.

  The ATM 260 is a machine for performing bank transactions by user operations. The ATM 260 of the present embodiment has a communication function with the FeliCa chip 215 in addition to a general ATM function. The ATM 260 can be replaced by a so-called cash dispenser. The ATM 260 corresponds to an example of the cash transaction apparatus according to the first embodiment.

  FIG. 6 is a block diagram showing the configuration of the ATM 260. The ATM 260 includes a transaction processing unit 261, a cash processing unit 262, a UI unit 263, a card reader 264, a printer 265, and a FeliCa reader / writer 266.

  The transaction processing unit 261 executes processing related to cash transactions. The transaction processing unit 261 generates, for example, a message describing the details of the transaction (payment amount or withdrawal amount, date, etc.) and transmits it to the account host 250. The cash processing unit 262 executes processing related to deposit and withdrawal. For example, the cash processing unit 262 accommodates cash or discharges cash according to the amount of money to be paid.

  The UI unit 263 accepts user input and presents information to the user. The UI unit 263 includes, for example, a touch screen display, a keypad, a speaker, and the like. The card reader 264 reads information recorded on the cash card. The printer 265 prints transaction details or results on a predetermined sheet (receipt or passbook).

  The FeliCa reader / writer 266 is a communication device that communicates with the FeliCa chip 215 of the mobile communication terminal 210. The FeliCa reader / writer 266 performs wireless communication with the FeliCa chip 215 by a communication method of FeliCa technology. The FeliCa reader / writer 266 can perform non-contact communication with the FeliCa chip 215. The FeliCa reader / writer 266 is described here as having a function of writing data to the FeliCa chip 215 and a function of reading data from the FeliCa chip 215, but the function of writing data is not an essential function.

  Note that the ATM 260 in FIG. 6 has a configuration necessary for realizing both the transaction by the mobile communication terminal 210 and the transaction by the cash card. Therefore, a part of the configuration of the ATM 260 (card reader 264, printer 265, etc.) shown in FIG. 6 is not an essential configuration for withdrawal by the withdrawal reservation function of this embodiment.

  The configuration of transaction system 200 is as described above. In transaction system 200 having such a configuration, a user can reserve a withdrawal in ATM 260 using mobile communication terminal 210 in which a withdrawal reservation application is installed. Note that the withdrawal reservation application may be preinstalled in the mobile communication terminal 210, but it may be installed before the application is used.

  The withdrawal reservation application implements a withdrawal reservation function. This withdrawal reservation function includes an initial registration function for registering user account information and the like. More specifically, the initial registration function is a function for registering user account information and terminal identification information in the second server 230 and setting a storage area for a withdrawal reservation application in the FeliCa chip 215.

  7 and 8 are sequence charts showing the operation of each part of the transaction system 200 related to the initial registration function. 9 to 11 show examples of screens displayed by the mobile communication terminal 210, respectively. These screens show an example in which the withdrawal reservation application is an application program for a specific financial institution. Therefore, the user does not need to input a financial institution code.

  FIG. 9 illustrates a menu screen of the withdrawal reservation application. The menu screen is displayed, for example, when the withdrawal reservation application is activated. The menu screen includes an initial registration button B11 and a withdrawal button B12. The mobile communication terminal 210 displays an input screen shown in FIG. 10 when the initial registration button B11 is selected (tapped or the like) by the user.

  The mobile communication terminal 210 disables the withdrawal button B12 until registration by the initial registration function is completed. The invalid state is a state in which, for example, the withdrawal button B12 is not displayed, or no response occurs even if the withdrawal button B12 is selected.

  The input screen shown in FIG. 10 includes text boxes T21, T22, T23, T24 and T25. This input screen further includes a send button B21. The mobile communication terminal 210 receives an input of a store number, an account number, a name, a date of birth, and a password through text boxes T21 to T25. The input screen shown in FIG. 10 is an example when the withdrawal reservation application is an application program for a specific financial institution. If the withdrawal reservation application is not an application program for a specific financial institution, the mobile communication terminal 210 accepts input of a financial institution code.

  The mobile communication terminal 210 displays a menu screen according to a user operation (step S201), and then displays an input screen (step S202). When the account information is received and the transmission button B22 is selected, the mobile communication terminal 210 transmits the input account information to the first server 220 together with the terminal identification information (step S203).

  When the first server 220 receives the account information including the personal identification information (name, date of birth, and personal identification number), the first server 220 determines whether the information is correct. Specifically, the first server 220 inquires the account host 250 about the correctness of the input account information (step S204). The account host 250 compares the account information transmitted from the first server 220 with the account information stored in advance in the own device (step S205), and transmits the comparison result to the first server 220 (step S206).

  If the account information received in step S203 is correct (that is, matches the account information stored in the account host 250), the first server 220 identifies the account information and terminal identification information received in step S203. The information of the confirmed user is transmitted to the second server 230 (step S207). Further, the first server 220 notifies the mobile communication terminal 210 whether the account information is correct (step S208).

  FIG. 11 shows an account information registration screen. When the correct account information is input by the user, the mobile communication terminal 210 displays a registration screen including a registration button B31 and a cancel button B32. In addition, description when the correct account information is not input by the user and when the cancel button B32 is selected by the user is omitted here.

  The mobile communication terminal 210 displays the registration screen shown in FIG. 11 (step S209). When the registration button B31 is selected by the user, the account information and terminal identification information are transmitted to the second server 230 (step S210). . At this time, the mobile communication terminal 210 does not require the user to input the account information again, and the account information that has already been input may be transmitted to the second server 230.

  The mobile communication terminal 210 holds the account information input on the input screen without deleting it at least until the step S209. However, for security reasons, the mobile communication terminal 210 may delete the personal identification information input on the input screen at a predetermined timing (for example, when the withdrawal button B12 is activated).

  When the second server 230 receives the account information and terminal identification information transmitted from the mobile communication terminal 210 in step S210, the second server 230 compares the account information and terminal identification information transmitted from the first server 220 in step S207 (step S211). ). At this time, the second server 230 determines whether the account information and terminal identification information received in step S210 are transmitted by the mobile communication terminal 210 of the user who has been verified.

  If the combination of the compared account information and terminal identification information matches, the second server 230 generates terminal authentication information (step S212). The terminal authentication information is authentication information uniquely generated from a combination of part or all of account information and terminal identification information. The terminal authentication information of this embodiment is generated using account identification information and terminal identification information. In addition, the 2nd server 230 does not need to perform the subsequent process, when the combination of the compared account information and terminal identification information does not correspond.

  The second server 230 records the combination of account identification information and terminal authentication information in the database (step S213). This database is hereinafter referred to as “management DB (database)”. The management DB may be a part of the second server 230, but may be a different device that can communicate with the second server 230.

  The sequence chart of FIG. 8 shows the continuation of the sequence chart of FIG. The second server 230 records the combination of the account identification information and the terminal authentication information in the database, and then requests authentication from the FeliCa server 240 as shown in FIG. 8 (step S214). The FeliCa server 240 executes an authentication process for permitting (or prohibiting) setting of a storage area for the withdrawal reservation application for the mobile communication terminal 210 based on the information registered by the service provider (step S215).

  In steps S214 to S215, the second server 230 and the FeliCa server 240 perform authentication using an electronic signature based on a public key cryptosystem. Specifically, the second server 230 requests authentication from the FeliCa server 240 using the secret key. In response to this request, the FeliCa server 240 verifies the request using a public key provided in advance by the service provider, and executes authentication processing.

  The FeliCa server 240 transmits an authentication response indicating the execution result of the authentication process to the second server 230 (step S216). The authentication response includes data describing a request that the withdrawal reservation application transmits to the FeliCa server 240 at the start of processing. In the present embodiment, this data is described in a URL (Uniform Resource Locator) format. Hereinafter, this data is also referred to as “process start URL”. An expiration date may be set for the process start URL.

  When receiving the authentication response, the second server 230 transmits a process start URL to the mobile communication terminal 210 (step S217). The mobile communication terminal 210 transmits a request described in the process start URL (hereinafter also referred to as “process start request”) to the FeliCa server 240 (step S218). The processing start request transmitted in step S217 includes a request to set a storage area for the withdrawal reservation application in the memory 2152 of the FeliCa chip 215.

  The FeliCa server 240 executes an area issuance process in response to the process start request (step S219). More specifically, the FeliCa server 240 issues a command to be executed by the FeliCa chip 215 according to information registered in advance by the service provider. The FeliCa server 240 transmits the issued command to the mobile communication terminal 210 (step S220).

  The mobile communication terminal 210 (more specifically, the control unit 211) supplies the command transmitted from the FeliCa server 240 to the FeliCa chip 215. In the FeliCa chip 215, the processor 2151 executes a command supplied from the control unit 211, thereby setting a predetermined storage area of the memory 2152 to be usable for the withdrawal reservation application (step S221).

  As a result, the FeliCa chip 215 is ready to make a withdrawal reservation. Hereinafter, the storage area for the withdrawal reservation application made available in step S221 is also referred to as a “dedicated area”. Access to the dedicated area by the control unit 211 of the mobile communication terminal 210 is restricted to be performed via the withdrawal reservation application (in other words, not via another application program).

  The mobile communication terminal 210 (more specifically, the control unit 211) activates the withdrawal button B12 that is in an invalid state after the FeliCa chip 215 finishes the process of step S220 (step S222). With this validation process, the withdrawal button B12 on the menu screen (see FIG. 9) becomes selectable.

  Note that the user can register a plurality of accounts in the withdrawal reservation application. When registering a plurality of accounts, the user may execute the procedure described with reference to FIGS. 7 and 8 again.

  12 and 13 are sequence charts showing the operation of each part of the transaction system 200 when the withdrawal button B12 is selected by the user after the initial registration is completed. 14 to 16 show examples of screens displayed on the mobile communication terminal 210, respectively.

  The mobile communication terminal 210 displays the menu screen shown in FIG. 9 according to the user's operation (step S301), and then displays the input screen (step S302). FIG. 14 shows an example of the input screen displayed in step S302. This input screen includes a pull-down menu P41, text boxes T41 and T42, and a send button B41. The pull-down menu P41 displays the store number and account number of the account that has already been registered by the user. When there are a plurality of registered accounts, the user selects a transaction target account from the plurality of accounts displayed in the pull-down menu P41. Text boxes T41 and T42 each accept an input of a personal identification number or a withdrawal amount.

  When the transmission button B41 is selected by the user, the mobile communication terminal 210 transmits information input on the input screen to the first server 220 together with terminal identification information (step S303). The first server 220 determines whether the information transmitted in step S302 is correct. Specifically, the first server 220 inquires the account host 250 about whether the input information is correct (step S304). The account host 250 compares the information transmitted from the first server 220 with the account information stored in advance in the own device (step S305), and transmits the comparison result to the first server 220 (step S306).

  If the information received in step S303 is correct (that is, matches the account information stored in the account host 250), the first server 220 verifies the identity and the terminal identification information received in step S303. It transmits to the 2nd server 230 as the information of the performed user (step S307). Further, the first server 220 notifies the mobile communication terminal 210 of whether the input information is correct (step S308).

  FIG. 15 shows a withdrawal confirmation screen. If the input information is correct, the mobile communication terminal 210 displays a confirmation screen including the reservation button B51 and the cancel button B52 (step S309). In addition, the description when correct information is not input by the user and when the cancel button B52 is selected by the user is omitted here.

  The mobile communication terminal 210 displays the confirmation screen shown in FIG. 15, and when the reservation button B51 is selected by the user, the input store number, account number, amount, and terminal identification information are transmitted to the second server 230. (Step S310). The information transmitted in step S310 corresponds to an example of reservation information in the first embodiment.

  The second server 230 authenticates the reservation information by determining whether the information (reservation information) transmitted in step S310 is information on an authenticated account. Specifically, the second server 230 refers to the management DB and determines whether or not the account specified by the account identification information transmitted in step S310 is recorded in the management DB (step S311). The second server 230 generates terminal authentication information from the combination of the account identification information and the terminal identification information transmitted in step S310, and the generated terminal authentication information and the terminal authentication information recorded in the management DB are It is determined whether or not they match (step S312).

  The sequence chart of FIG. 13 shows the continuation of the sequence chart of FIG. When the terminal authentication information compared in step S312 matches, the second server 230 requests authentication from the FeliCa server 240 as shown in FIG. 13 (step S313). The FeliCa server 240 executes an authentication process for permitting (or prohibiting) writing of information to the dedicated area based on the information registered by the service provider (step S314). The second server 230 and the FeliCa server 240 also perform authentication in steps S313 to S314 using an electronic signature based on a public key cryptosystem as in steps S214 to S215.

  The FeliCa server 240 transmits an authentication response indicating the execution result of the authentication process to the second server 230 (step S315). This authentication response includes the processing start URL, as in the authentication response in step S216. However, unlike the authentication response in step S216, the processing start URL in step S315 describes data (withdrawal amount, etc.) to be written in the dedicated area.

  When receiving the authentication response, the second server 230 transmits a process start URL to the mobile communication terminal 210 (step S316). The mobile communication terminal 210 transmits a process start request described in the process start URL to the FeliCa server 240 (step S317). The processing start request transmitted in step S317 includes data to be written in the dedicated area.

  The FeliCa server 240 issues a command corresponding to the processing start request (step S318). The FeliCa server 240 transmits the issued command to the mobile communication terminal 210 (step S319). This command includes an instruction to write predetermined data capable of specifying a transaction in a dedicated area. This command includes at least an instruction to write account identification information and a withdrawal amount, and may include an instruction to write terminal authentication information, an expiration date (of a transaction), a transaction serial number, and the like. The data written in the dedicated area by the command in step S318 corresponds to an example of transaction information in the first embodiment.

  The mobile communication terminal 210 (more specifically, the control unit 211) supplies the command transmitted from the FeliCa server 240 to the FeliCa chip 215. In the FeliCa chip 215, the processor 2151 writes data (transaction information) in the dedicated area by executing the command supplied from the control unit 211 (step S320). When the data is written, the mobile communication terminal 210 displays a screen (hereinafter also referred to as “reservation completion screen”) indicating that the reservation has been completed (step S321).

  FIG. 16 shows a reservation completion screen. Through such a reservation completion screen, the mobile communication terminal 210 notifies the user that the reservation has been completed. At this time, the mobile communication terminal 210 may notify the transaction information (amount, expiration date, etc.) together. The reservation completion screen is generated by the withdrawal reservation application.

  FIG. 17 is a sequence chart showing the operation of each part of transaction system 200 at the time of withdrawal. After the reservation is completed, the user withdraws money from the ATM 260 at an appropriate timing. The user brings the mobile communication terminal 210 close to a range where it can communicate with the ATM 260. Typically, the user holds the mobile communication terminal 210 near the FeliCa reader / writer 266 of the ATM 260. Since the communication distance of FeliCa is about 10 cm, the user only needs to bring the mobile communication terminal 210 closer to the ATM 260.

  When the ATM 260 can communicate with the FeliCa chip 215 of the mobile communication terminal 210, the ATM 260 reads the transaction information written in the dedicated area (step S322), and transmits a withdrawal message corresponding to the transaction information to the accounting host 250 (step S322). S323). The ATM 260 may make the withdrawal message when the withdrawal reservation function is used different from the withdrawal message when the cash card is used. The format of the withdrawal message when the withdrawal reservation function is used is only required to be determined in advance, and for example, the password may be omitted.

  Upon receipt of the withdrawal message, the billing system host 250 transmits a response message to the ATM 260 (step S324). When the ATM 260 receives the response message, the ATM 260 discharges the cash corresponding to the withdrawal amount described in the transaction information (step S325). Then, the ATM 260 notifies the end of the transaction to the FeliCa chip 215 of the mobile communication terminal 210 (step S326). In response to the notification from the ATM 260, the FeliCa chip 215 deletes the transaction information written in the dedicated area (step S327).

  Note that, when an expiration date is set for the transaction, the mobile communication terminal 210 may control the transaction not to be executed when the transaction is not executed even after the set expiration date. This control may be executed by the ATM 260 instead of the mobile communication terminal 210.

  As described above, according to the present embodiment, transaction information can be written in advance in the FeliCa chip 215. The user can shorten the time required due to input or the like in the vicinity of the ATM 260 as compared with the case of withdrawing money from the ATM 260 using a cash card. Moreover, according to this embodiment, the effect of shortening the waiting time as a whole of the user who requires ATM260 can be anticipated by shortening the time required for each user.

  Further, according to the present embodiment, the place where the personal identification number or the like is input is not limited to a specific place (that is, before the ATM 260). Therefore, the user can input a personal identification number or the like in a place where there is little risk of being seen by others. Further, the user can complete the transaction only by operating his / her mobile communication terminal 210 without operating the ATM 260 operated by an unspecified number of persons.

  Moreover, in this embodiment, the 2nd server 230 produces | generates terminal authentication information based on the combination of account identification information and terminal identification information, and uses this for authentication. Thereby, the 2nd server 230 can judge the legitimacy of transaction more reliably compared with the case where it authenticates based only on one of account identification information and terminal identification information.

[Modification]
The present disclosure is not limited to the first embodiment and the second embodiment described above. This indication may include the form which applied the modification or application which those skilled in the art can grasp. For example, the present disclosure includes the following modifications. In addition, the present disclosure may include a form in which the embodiments and modifications described in this specification are appropriately combined as necessary. For example, the matters described using a specific embodiment can be applied to other embodiments.

(Modification 1)
FIG. 18 is a block diagram showing the configuration of the transaction reservation system 300. Transaction reservation system 300 includes mobile communication terminal 310 and server device 320. The mobile communication terminal 310 and the server device 320 are connected to each other via a network such as the Internet. In this modification, the same terms as those in the first embodiment are used in the same meaning as in the first embodiment unless there is a special definition or explanation.

  The mobile communication terminal 310 includes a transmission unit 311 and a writing unit 312. The transmission unit 311 transmits the reservation information to the server device 320. The writing unit 312 writes transaction information in a storage medium associated with the user. In other words, the storage medium associated with the user is a storage medium that stores identification information associated with the user.

  The mobile communication terminal 310 may not include a storage medium. The mobile communication terminal 310 only needs to be able to communicate with a storage medium. For example, the storage medium here may be an IC chip mounted on a so-called smart card (cash card or the like).

  The server device 320 includes a receiving unit 321, an authentication unit 322, and a writing control unit 323. The receiving unit 321 receives reservation information transmitted from the mobile communication terminal 310. The authentication unit 322 authenticates the reservation information received by the receiving unit 321 based on information registered in advance. The writing control unit 323 causes the writing unit 312 to write transaction information corresponding to the reservation information authenticated by the authentication unit 322. The server device 320 has a function corresponding to the transaction reservation device 100 in the first embodiment.

(Modification 2)
The second server 230 can update the transaction information. For example, the second server 230 reflects only the transaction information corresponding to the latest reservation information on the FeliCa chip 215 when a plurality of reservations are executed before the transaction is completed for the same account. Alternatively, the second server 230 may add (or subtract) the amount related to each reservation when a plurality of reservations are executed before the transaction is completed for the same account. Thereby, the user can change the contents of the reserved transaction on the way.

  For example, assume that the second server 230 receives the second reservation information after receiving the first reservation information. The second server 230 compares the account information included in the reservation information, and determines that the withdrawal from the same account is indicated when the two account information matches.

  Here, if the first reservation information indicates a withdrawal of “10,000 yen” and the second reservation information indicates a withdrawal of “15,000 yen”, the second server 230 makes a withdrawal of “25,000 yen”. Issue a command to reserve money. Alternatively, the second server 230 considers that the first reservation information is canceled and overwritten by the second reservation information, and issues a command so that the withdrawal of “15,000 yen” is reserved. Note that the second server 230 may operate in the same manner even when three or more pieces of reservation information are received.

(Modification 3)
The mobile communication terminal 210 may notify the user of information by a method other than display. For example, the mobile communication terminal 210 can notify the completion of the reservation or the end of the transaction through a speaker (ie, voice) or a vibrator (ie, vibration).

(Modification 4)
The withdrawal in the present disclosure may include loans (loans, cashing, etc.) from financial institutions in addition to withdrawing cash from a predetermined account. Moreover, the cash transaction in the present disclosure is not limited to withdrawal, and may include, for example, a cash transfer. In the case of cash transfer, the user inputs the account information of the transfer destination and the transfer amount in advance.

(Modification 5)
Various variations are conceivable for the specific hardware configuration of each device (transaction reservation device 100, second server 230, server device 320, etc.) according to the present disclosure, and is not limited to a specific configuration. For example, each device may be realized using software.

  FIG. 19 is a block diagram illustrating an example of a hardware configuration of a computer device 400 that implements each device. The computer device 400 includes a CPU (Central Processing Unit) 401, a ROM (Read Only Memory) 402, a RAM (Random Access Memory) 403, a storage device 404, a drive device 405, a communication interface 406, and an input / output interface. 407. Each device according to the present disclosure may be realized by the configuration illustrated in FIG. 19 (or a part thereof).

  The CPU 401 uses the RAM 403 to execute the program 408. The program 408 may be stored in the ROM 402. The program 408 may be recorded on a recording medium 409 such as a flash memory and read by the drive device 405, or may be transmitted from an external device via the network 410. The communication interface 406 exchanges data with an external device via the network 410. The input / output interface 407 exchanges data with peripheral devices (such as an input device and a display device). The communication interface 406 and the input / output interface 407 can function as means for acquiring or outputting data.

  In addition, the component of each apparatus may be comprised by the single circuit (processor etc.), and may be comprised by the combination of several circuits. The circuit here may be either dedicated or general purpose.

  The configuration described as a plurality of devices in the above-described embodiments may be configured as a single device. For example, the first server 220 and the second server 230 are described as different devices in the second embodiment, but may be configured as a single server device. In addition, the configuration described as a single device in the above-described embodiments may be distributed and provided in a plurality of devices. For example, the transaction reservation device 100 may be realized by a plurality of computer devices using cloud computing technology or the like.

DESCRIPTION OF SYMBOLS 100 Transaction reservation apparatus 110 Acquisition part 120 Authentication part 130 Write control part 200 Transaction system 210 Mobile communication terminal 220 1st server 230 2nd server 240 FeliCa server 250 Account host 260 ATM
270 Network 300 Transaction Reservation System 310 Mobile Communication Terminal 320 Server Device 400 Computer Device

Claims (9)

Acquire reservation information indicating the user's account information and amount,
Authenticating the acquired reservation information based on pre-registered information;
A transaction reservation method for executing transaction information indicating a cash transaction with an amount indicated by the authenticated reservation information to a storage medium associated with the user before the transaction. The transaction reservation method according to claim 1, wherein when a cash transaction apparatus connected to a communication device that communicates with the storage medium reads out the transaction information, a cash amount corresponding to the transaction information is withdrawn. The reservation information indicates the account information, the amount, and identification information associated with the user,
The transaction reservation method according to claim 1, wherein the reservation information is authenticated using authentication information uniquely generated from a combination of the account information and the identification information. The reservation information includes first reservation information and second reservation information acquired after the first reservation information,
The transaction reservation according to any one of claims 1 to 3, wherein the transaction information is updated when the account information included in the first reservation information and the second reservation information is the same. Method. The transaction reservation method according to any one of claims 1 to 4, wherein the storage medium is an IC (Integrated Circuit) chip that performs non-contact communication by a communication method compliant with NFC (Near Field Communication). The transaction reservation method according to any one of claims 1 to 5, wherein the storage medium is mounted on a mobile communication terminal and access from the mobile communication terminal is restricted. An acquisition means for acquiring reservation information indicating user account information and amount;
Authentication means for authenticating the acquired reservation information based on pre-registered information;
A transaction reservation apparatus comprising: a writing control unit that causes a writing unit to write transaction information indicating a cash transaction with an amount indicated by the authenticated reservation information to a storage medium associated with the user before the transaction. . A mobile communication terminal and a server device;
The mobile communication terminal
Transmitting means for transmitting reservation information indicating the account information and amount of the user to the server device;
Writing means for writing transaction information indicating a transaction of cash by the amount indicated by the reservation information to a storage medium;
The server device
Receiving means for receiving the transmitted reservation information;
Authentication means for authenticating the received reservation information based on pre-registered information;
A transaction reservation system comprising: a writing control unit that causes the writing unit to execute writing of the transaction information corresponding to the authenticated reservation information to the storage medium before the transaction. On the computer,
Processing for obtaining reservation information indicating the user's account information and amount;
A process of authenticating the acquired reservation information based on pre-registered information;
A program for causing the writing means to write the transaction information indicating the cash transaction with the amount indicated by the authenticated reservation information to the storage medium associated with the user before the transaction.

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