JP2017211796A - Transaction system, atm, server, transaction method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To achieve high-speed card-less transaction via an ATM without substantially modifying the ATM.SOLUTION: A transaction system includes an ATM and a first server for managing an account on a transaction performed by a user via the ATM. The ATM generates information including a first identifier to identify the ATM as association information and transmits the generated association information to the first server. The first server receives association information read from the ATM by a terminal owned by a user from the terminal, and determines whether the transaction is permitted or not by checking the association information received from the ATM with the association information received from the terminal.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction system, an automatic teller machine (cash machine, automatic / automated teller machine, hereinafter referred to as “ATM”), a server, a transaction method and a program, and in particular, a transaction system for performing transactions via ATM, The present invention relates to an ATM in such a transaction system, a server that manages accounts related to transactions, and a transaction method and program via ATMs.

  ATMs are installed not only at banks and other financial institution stores, but also at supermarkets and convenience stores, and provide users with various transaction services such as cash deposits and withdrawals.

  As a related technique, Patent Document 1 describes a cardless payment system that enables withdrawal from an ATM without using a card.

  Further, Patent Document 2 describes an automatic cash transaction system that does not require a cash card, and that enables deposits and withdrawals with an automatic cash transaction apparatus by carrying only a mobile phone.

JP 2009-245272 A JP 2003-123126 A

  The entire disclosure of the above patent document is incorporated herein by reference. The following analysis was made by the present inventors.

  When depositing / withdrawing money to / from an account of a financial institution such as a bank, the user deposits / withdraws by inserting a cash card issued by the bank into the ATM. However, it is inconvenient for the user to carry a plurality of cash cards issued for each financial institution or account, and there is also a risk of losing the card. In addition, there is a need among business companies such as money transfer companies, which have been increasing in recent years, to provide services quickly to users by omitting card issuance itself. As described above, in a transaction service via ATM, it is desired that a user does not need to carry a card or issue a card by a financial institution.

  For example, Patent Documents 1 and 2 disclose techniques for responding to such requests, such as mobile terminals (cell phones, smartphones, etc.) owned by users instead of cards issued by financial institutions when depositing and withdrawing money through ATMs. There has been proposed a technique for confirming that a user who owns a terminal actually exists before ATM by using “terminal”.

  In the cardless payment system described in Patent Document 1, a management server of a financial institution issues an identification number, generates the issued identification number as a QR (Quick Response) code, and generates the generated QR code (registered trademark) as a user. To your device. The ATM reads the QR code displayed on the user's terminal. According to such a system, it is necessary to separately provide a QR code reading function for the ATM. Further, according to such a system, it takes time to exchange a QR code including an identification number issued by the management server between the management server and the user's terminal, and there is a problem that the quality of experience of the user is lowered.

  On the other hand, in the automatic cash transaction system described in Patent Document 2, a server on the financial institution side transmits a transaction number to the user's terminal, and the user manually inputs the transaction number into the ATM. According to such a system, since it takes time to exchange the transaction number issued by the server between the server and the user's terminal, there is a possibility that the user's quality of experience may be reduced as in the system described in Patent Document 1. . Moreover, according to this system, the user needs to input a transaction number manually, and a complicated input operation is requested | required of the user.

  Therefore, it is a problem to realize a high-speed cardless transaction via ATM without significantly remodeling ATM. The objective of this invention is providing the transaction system, ATM, server, transaction method, and program which contribute to this subject solution.

  The transaction system which concerns on the 1st aspect of this invention is equipped with ATM and the 1st server which manages the account regarding the transaction which a user performs via the said ATM. The ATM generates information including a first identifier for identifying the ATM as link information, and transmits the generated link information to the first server. The first server receives cooperation information read from the ATM by the terminal owned by the user from the terminal, collates the cooperation information received from the ATM and the cooperation information received from the terminal, Judgment of the transaction is made.

  The ATM according to the second aspect of the present invention includes a generation unit that generates information including a first identifier for identifying an ATM as linkage information, and a first account that manages an account related to a transaction performed by a user via the ATM. The first server collates and determines the cooperation information read from the ATM by the communication unit that transmits the cooperation information to the server, the terminal owned by the user, and the cooperation information received from the ATM. And a transaction unit that executes or stops the transaction according to the result of the approval or disapproval of the transaction.

  The server which concerns on the 3rd aspect of this invention is the information which contains the management part which manages the account regarding the transaction which a user performs via ATM, and the 1st identifier which identifies the said ATM produced | generated by the said ATM. A communication unit that receives from the ATM, the cooperative information received from the ATM by the terminal owned by the user, the cooperative information received from the ATM, and the cooperative information received from the terminal And a determination unit that determines whether the transaction is permitted or not.

  The transaction method which concerns on the 4th aspect of this invention is a transaction method in the transaction system provided with ATM and the 1st server which manages the account regarding the transaction which a user performs via the said ATM. In this transaction method, the ATM generates information including a first identifier for identifying the ATM as link information, transmits the generated link information to the first server, and the first server The step of receiving the cooperation information read from the ATM by the terminal owned by the user, and the first server collates the cooperation information received from the ATM and the cooperation information received from the terminal, Determining whether the transaction is permitted or not.

  In the transaction method according to the fifth aspect of the present invention, the ATM generates an information including a first identifier for identifying the ATM as linkage information, and manages an account relating to a transaction performed by the user via the ATM. The first server collates the step of transmitting the cooperation information to the first server, the cooperation information read from the ATM by the terminal owned by the user, and the cooperation information received from the ATM. And executing or stopping the transaction according to the result of the acceptance / rejection of the transaction determined in the above.

  The transaction method which concerns on the 6th aspect of this invention is the transaction method by the server which manages the account regarding the transaction which a user performs via ATM, Comprising: The said server identifies the said ATM produced | generated by the said ATM Receiving information including a first identifier from the ATM as linkage information; receiving from the terminal linkage information read from the ATM by a terminal owned by the user; and linkage information received from the ATM. And collating the cooperation information received from the terminal to determine whether the transaction is permitted or not.

  The program which concerns on the 7th aspect of this invention is the 1st server which manages the account regarding the process which produces | generates the information containing the 1st identifier which identifies ATM as cooperation information, and the transaction which a user performs via the said ATM The transaction in which the first server collates and determines the process of transmitting the cooperation information, the cooperation information read from the ATM by the terminal owned by the user, and the cooperation information received from the ATM. Depending on the result of the approval or disapproval, a process for executing or stopping the transaction is executed by a computer provided in the ATM.

  A program according to an eighth aspect of the present invention is a first program for identifying the ATM generated by the ATM with respect to a computer provided in a server that manages an account relating to a transaction performed by a user via the ATM. Processing for receiving information including an identifier from the ATM as linkage information, processing for receiving linkage information read from the ATM by a terminal owned by the user, and linkage information received from the ATM and the terminal The process of collating with the cooperation information received from, and determining whether the transaction is acceptable or not is executed.

  The program can also be provided as a program product recorded on a non-transitory computer-readable storage medium.

  According to the transaction system, ATM, server, transaction method, and program according to the present invention, it is possible to realize high-speed cardless transaction via ATM without significantly modifying the ATM.

It is a figure which shows the structure of the transaction system which concerns on one Embodiment. It is a block diagram which illustrates the composition of the transaction system concerning a 1st embodiment. It is a figure which illustrates the structure of the table which the management part of a transaction center server hold | maintains in the transaction system which concerns on embodiment. It is a sequence diagram which illustrates payment operation | movement of the transaction system which concerns on 1st Embodiment. It is a sequence diagram which illustrates the payment operation | movement of the transaction system which concerns on 1st Embodiment. It is a block diagram which illustrates the composition of the transaction system concerning a 2nd embodiment. It is a sequence diagram which illustrates payment operation | movement of the transaction system which concerns on 2nd Embodiment.

  First, an outline of one embodiment will be described. Note that the reference numerals of the drawings attached to this summary are merely examples for facilitating understanding, and are not intended to limit the present invention to the illustrated embodiment.

  FIG. 1 is a diagram illustrating a configuration of a transaction system according to an embodiment. Referring to FIG. 1, the transaction system includes an ATM 1 and a first server 2 (for example, a server provided in a financial institution, a transaction center server described later). FIG. 1 also shows a terminal 3 (for example, a mobile phone or a smartphone) held by a user who performs a transaction (for example, deposit / withdrawal) via the ATM 1.

  The 1st server 2 manages the account regarding the transaction which a user performs via ATM1. The ATM 1 generates information including a first identifier for identifying the ATM 1 (for example, an ATM terminal number) as link information, and transmits the generated link information to the first server 2. The first server 2 receives the cooperation information read from the ATM 1 (as a QR code as an example) by the terminal 3 owned by the user from the terminal 3. The first server 2 collates the cooperation information received from the ATM 1 with the cooperation information received from the terminal 3, and determines whether the transaction performed by the user via the ATM 1 is permitted.

  In the transaction system according to the embodiment, the first server collates the cooperation information generated by the ATM and the cooperation information received from the terminal of the user who has read the cooperation information from the ATM. As a result, it is possible to confirm that the user who conducts the transaction via the ATM actually exists before the ATM, and the user executes the transaction via the ATM using his / her terminal without carrying the card. Can do.

  Moreover, in the transaction system of one Embodiment, a user's terminal reads the identification information which ATM produced | generated. At this time, it is not necessary to improve the ATM in order to separately provide a QR code reading function on the ATM side.

  Furthermore, in the transaction system according to the embodiment, information including a first identifier (for example, an ATM terminal number) that the ATM itself identifies not the first server side but the ATM itself is generated as linkage information. According to such a configuration, a case where a user terminal (or ATM) requests identification information (cooperation information) from the server, generates identification information on the server side, and transmits the identification information to the user terminal (or ATM) is adopted. In comparison, issuance of identification information can be speeded up and the quality of experience of the user can be improved.

  As mentioned above, according to the transaction system of one embodiment, it becomes possible to realize high-speed cardless transaction via ATM, without remodeling ATM greatly.

<Embodiment 1>
Next, the transaction system according to the first embodiment will be described with reference to the drawings. In the present embodiment, it is assumed that the user holds an account in a financial institution such as a bank, and a personal identification number for the account (for example, a personal identification number associated with the issuance of a cash card) is registered in the financial institution.

[Constitution]
FIG. 2 is a block diagram illustrating the configuration of the transaction system according to this embodiment. Referring to FIG. 2, the transaction system includes an ATM 10, a transaction center server 20, and an intermediary center server 40. FIG. 2 also illustrates a terminal 30 (for example, a mobile phone or a smartphone) owned by a user who performs transactions (for example, deposits and withdrawals) via the ATM 20.

  ATM10 is installed in stores, such as a financial institution, a supermarket, a convenience store, for example, and provides various financial transaction services with respect to a user. The transaction center server 20 is a server held by, for example, a financial institution (for example, a bank, a credit union, a credit union, an agricultural cooperative, a fishery cooperative, securities / life insurance, consumer finance, etc.), and manages user accounts. On the other hand, the broker center server 40 is a server held by, for example, a financial institution operating the ATM 10 and relays the ATM 10 and the transaction center server 20.

  FIG. 2 shows only one transaction center server 20 for one financial institution as an example. However, a plurality of transaction center servers 20 for each of a plurality of financial institutions may exist. At this time, the broker center server 40 selects a transaction center server 20 of a financial institution related to the transaction from the plurality of transaction center servers 20 and distributes the transaction.

  The detailed configuration of each device will be described below with reference to FIG.

  The terminal 30 includes a reading unit 31, a communication unit 32, and a display unit 33.

  The reading unit 31 reads a QR code displayed on a display or the like of the ATM 10 (or printed on paper output from the ATM 10).

  The communication unit 32 transmits to the transaction center server 20 the password that the user has input to the terminal 30 when logging into the transaction center server 20. Further, when the transaction center server 20 authenticates the login, the communication unit 32 receives a notification of authentication OK. Furthermore, the communication unit 32 notifies the transaction center server 20 of the type of transaction accepted from the user (for example, withdrawal, payment, etc.) and the amount of transaction (for example, withdrawal amount). The communication unit 32 transmits cooperation information (described later) included in the QR code read by the reading unit 31 to the transaction center server 20. Further, the communication unit 32 receives a notification of a company number (a financial institution identifier, for example, a bank identification number) from the transaction center server 20.

  The display unit 33 displays the company number received by the communication unit 32 on the display of the terminal 30.

  The ATM 10 includes an input unit 11, a generation unit 12, a display unit 13, a communication unit 14, and a transaction unit 15.

  The input unit 11 receives various ATM operations from the user. The input unit 11 accepts operations such as pressing a transaction button, inputting a personal identification number or authentication number, a company number, and pressing a confirmation button for a deposit amount or a withdrawal amount.

  When the input unit 11 receives a transaction button press, the generation unit 12 identifies an identifier for identifying the ATM 10 (for example, an ATM terminal number), an identifier for identifying the transaction (for example, a serial number, a random number, etc.) and / or a transaction. Information including the received date and time (for example, date (year, month, day) and time (hour, minute, second), etc.) is generated as linkage information. In addition, in order to strengthen security, the production | generation part 12 may scramble (or encrypt) the information containing an ATM terminal number, transaction serial number, and reception date, and may produce | generate cooperation information.

  The display unit 13 displays the cooperation information generated by the generation unit 12 on the display of the ATM 10 as a QR code. The ATM 10 may print the QR code on paper and output it. Further, the display unit 13 displays the type of transaction received from the transaction center server 20, the transaction amount (payment amount, withdrawal amount), a deposit instruction, and the like on the display of the ATM 10.

  The communication unit 14 transmits the company number received by the input unit 11 and the cooperation information generated by the generation unit 12 to the broker center server 40. In addition, the communication unit 14 transmits the password received by the input unit 11 to the transaction center server 20. Further, the communication unit 14 receives from the transaction center server 20 account information indicating an account with which the user conducts a transaction, and transaction information indicating a transaction type (withdrawal, deposit, etc.) and an amount (withdrawal amount, etc.). In addition, the communication unit 14 receives the result of permission / denial (permission or rejection) of the transaction determined by the transaction center server 20. Further, when the input unit 11 accepts an operation of the user confirming the deposit amount displayed on the display unit 13, the communication unit 14 makes a transaction via the broker center server 40 that the cash corresponding to the deposit amount has been deposited. Transmit to the center server 20.

  The transaction unit 15 executes or stops the transaction according to the result of the approval / disapproval of the transaction received by the communication unit 14. The transaction unit 15 performs a transaction based on the account information and transaction information (transaction type and transaction amount) received by the communication unit 14. When the transaction type is withdrawal, when the input unit 11 accepts an operation of the user confirming the withdrawal amount displayed on the display unit 13, the transaction unit 15 withdraws cash corresponding to the withdrawal amount. On the other hand, when the transaction type is payment, the transaction unit 15 accepts insertion of cash from the user.

  The transaction center server 20 includes a management unit 21, a communication unit 22, and a determination unit 23.

  The management part 21 manages the account regarding the transaction which a user performs via ATM10. In addition, the management unit 21 holds the transaction type and amount notified from the user terminal 30 in a table (or DB: Database). Furthermore, the management part 21 memorize | stores the cooperation information received from the user's terminal 30 in a table.

  FIG. 3 is a diagram illustrating a configuration of a table held by the management unit 21. Referring to FIG. 3, the table includes “user ID”, “store number”, “account (deposit) type”, “account number”, “transaction type (withdrawal / receipt)”, “transaction amount (withdrawal). Amount) ”and“ linkage information ”are stored in association with each other. 3 is merely an example, and the management unit 21 may divide and hold the attributes of these tables into a plurality of tables.

  The communication unit 22 receives the password input by the user when logging in. Further, when the login is authenticated, the communication unit 32 transmits an authentication OK notification to the user terminal 30. Furthermore, if the communication part 22 receives the kind and amount of transaction from a user's terminal 30, they will accumulate | store these in the table (FIG. 3) of the management part 21. FIG. Further, the communication unit 22 transmits a company number (an identifier of a financial institution, an identification number of a bank) that identifies a company (financial institution) that manages the transaction center server 20 to the terminal 30. Furthermore, if the communication part 22 receives the cooperation information which the user's terminal 30 read from ATM10 from the terminal 30, it will accumulate | store the received cooperation information in the table (FIG. 3) of the management part 21. FIG. Further, the communication unit 22 receives the cooperation information generated by the ATM 10 from the ATM 10 via the broker center server 40. Further, the communication unit 22 refers to the table (FIG. 3) held by the management unit 21, and stores account information (for example, information corresponding to the magnetic stripe information on the cash card) indicating the user's account information from the terminal 30. The ATM 10 is notified of transaction information indicating the type and / or amount of the received transaction. Moreover, when permitting the withdrawal, the communication unit 22 notifies the ATM 10 to that effect.

  The determination unit 23 collates the cooperation information received from the ATM 10 and the cooperation information received from the terminal 30 to determine whether or not to permit the transaction. If these pieces of cooperation information do not match, the determination unit 23 rejects the transaction registered from the user terminal 30. On the other hand, if these pieces of cooperation information match, the determination unit 23 notifies the ATM 10 of the account information and transaction information via the broker center server 40. When the type of transaction is withdrawal, the determination unit 23 compares the account PIN related to the transaction with the PIN entered in the ATM 10 received from the ATM 10 via the broker center server 40, and the two match. If so, allow transactions (ie withdrawals).

  The broker center server 40 includes a distribution unit 41.

  When the distribution unit 41 receives the cooperation information and the company number from the ATM 10, the distribution unit 41 transmits the cooperation information to the transaction center server 20 corresponding to the financial institution (for example, the bank corresponding to the identification number) indicated by the company number.

[Operation]
Next, the operation of the transaction system according to the present embodiment will be described with reference to the drawings. FIG. 4 is a sequence diagram illustrating the dispensing operation.

  Referring to FIG. 4, when logging in to the transaction center server 20, the communication unit 32 of the terminal 30 transmits a password to the transaction center server 20 (step S1). When the transaction center server 20 authenticates the login of the user, the communication unit 22 transmits an authentication OK notification to the terminal 30. Thereby, the login to the transaction center server 20 is completed.

  Next, the communication unit 32 of the terminal 30 transmits the transaction type (withdrawal) and the amount (withdrawal amount) received from the user to the transaction center server 20 (step S4). The management unit 21 of the transaction center server 20 stores the type (withdrawal) and amount (withdrawal) of the transaction received by the communication unit 22 in a table (FIG. 3) (step S5).

  When the user operates the ATM 10 and presses the transaction button (step S6), the generation unit 12 of the ATM 10 generates linkage information (for example, information including the ATM terminal number, the serial number for identifying the transaction, and the reception date / time). To do. Then, the display unit 13 displays the QR code using the generated cooperation information (or scrambles the cooperation information) (step S7).

  The reading unit 31 of the terminal 30 reads the QR code displayed on the ATM 10. Moreover, the communication part 32 transmits the cooperation information contained in the read QR code to the transaction center server 20 (step S8). The management unit 21 of the transaction center server 20 stores the cooperation information received by the communication unit 22 in the table (FIG. 3) (step S9).

  Next, the communication unit 22 of the transaction center server 20 transmits the company number of the financial institution corresponding to the transaction center server 20 (an identifier for identifying a company such as a bank identification number) to the terminal 30 (step S10). The display unit 33 of the terminal 30 displays the received company number on the display.

  When the user inputs the company number displayed on the display of the terminal 30 to the ATM 10 (step S11), the communication unit 14 of the ATM 10 inputs the cooperation information (or information obtained by scrambled the cooperation information) generated in step S7. The number is transmitted to the broker center server 40.

  The distribution unit 41 of the broker center server 40 distributes the received cooperation information to the transaction center server 20 of the financial institution corresponding to the received company number (step S13).

  The determining unit 23 of the transaction center server 20 stores the cooperation information stored in the table (FIG. 3) in step S9 (that is, the cooperation information read by the terminal 30 from the ATM 10) and the cooperation information received in steps S12 and S13 (that is, Collation information received from the ATM 10) (step S14).

  If the two pieces of cooperation information match, the communication unit 22 of the transaction center server 20 notifies the ATM 10 of the account information and the withdrawal amount stored in step S5 (step S15). On the other hand, when both cooperation information does not correspond, the determination part 23 of the transaction center server 20 permits or rejects transaction (withdrawal here).

  The communication unit 22 of the transaction center server 20 refers to the table (FIG. 3) to notify the account information and the withdrawal amount to the ATM 10 (step S15), and when the user inputs the personal identification number to the ATM 10 (step S16), the display of the ATM 10 The unit 13 displays the withdrawal amount notified from the transaction center server 20 (step S17).

  When receiving an input for confirming the withdrawal amount from the user (step S18), the communication unit 14 of the ATM 10 transmits the input personal identification number to the transaction center server 20 (step S19). The determination unit 23 of the transaction center server 20 checks whether or not the received personal identification number matches the personal identification number of the account related to the transaction (step S20). If the passwords match, the communication unit 22 of the transaction center server 20 notifies the ATM 10 of withdrawal permission (step S21). If the passwords do not match, the transaction center server 20 notifies the ATM 10 that the withdrawal is permitted. Upon receiving the withdrawal permission notification, the transaction unit 15 of the ATM 10 performs a withdrawal process according to the withdrawal amount notified from the transaction center server 20 (step S22). The user receives cash withdrawn from the ATM 10 (step S23).

  The withdrawal process is completed by the above steps.

  FIG. 5 is a sequence diagram illustrating the deposit operation of the transaction system according to this embodiment. Hereinafter, the difference between the depositing operation and the dispensing operation shown in FIG. 4 will be mainly described.

  Steps S1 to S15 in the depositing operation shown in FIG. 5 are the same as steps S1 to S15 in the dispensing operation shown in FIG. However, in the depositing operation shown in FIG. 5, the communication unit 32 of the terminal 30 transmits the transaction type (withdrawal) received from the user to the transaction center server 20 in step S4, and the transaction center server 20 in step S5. When the management unit 21 stores the received transaction type (withdrawal) in the table (FIG. 3) and the linkage information matches, the communication unit 22 of the transaction center server 20 notifies only the account information to the ATM 10 in step S15. This is different from the dispensing operation shown in FIG.

  Referring to FIG. 5, when the account information notification is received from the transaction center server 20 (step S15), the display unit 13 of the ATM 10 displays a deposit instruction (step S16).

  Referring to FIG. 5, when cash is inserted from the user (step S17), the display unit 13 of the ATM 10 displays the deposit amount (step S18). When receiving an input confirming the deposit amount from the user (step S19), the transaction unit 15 of the ATM 10 performs a deposit process (step S20), and the communication unit 14 notifies the transaction center server 20 that the deposit has been performed ( Step S21). The transaction center server 20 performs a deposit process on the user's account (step S22).

  The deposit process is completed by the above steps.

[effect]
In the transaction system of the present embodiment, the transaction center server collates the linkage information generated by the ATM and the linkage information received from the terminal of the user who has read the linkage information from the ATM, thereby performing a transaction using the ATM. It can be confirmed that the user actually exists before the ATM. Thereby, the user can perform the deposit / withdrawal via ATM using the terminal which he owns, without carrying a card | curd.

  Moreover, in the transaction system of this embodiment, ATM displays the produced | generated cooperation information as QR code, and makes a terminal read. Accordingly, it is not necessary to improve the ATM such as providing a QR code reading function on the ATM side.

  Furthermore, in the transaction system of the present embodiment, not the transaction center server side, but the ATM itself generates information including the ATM terminal number as linkage information. According to such a configuration, a case where a user terminal (or ATM) requests identification information (cooperation information) from the server, generates identification information on the server side, and transmits the identification information to the user terminal (or ATM) is adopted. In comparison, ATM can quickly generate linkage information and a QR code based on the linkage information, thereby improving the user's quality of experience.

  As described above, according to the transaction system of the present embodiment, it is possible to realize high-speed cardless transaction via ATM without significantly remodeling ATM.

  Furthermore, in the present embodiment, information including an ATM terminal number, a serial number for identifying a transaction, and / or a reception date / time is generated as linkage information, and the transaction center server uses the linkage information. Perform verification. Therefore, according to this embodiment, compared with the case where collation is performed using a part of these (for example, only the ATM terminal number) as linkage information, there is a user who conducts the transaction at the ATM before the ATM. Can be verified more reliably.

  In this embodiment, the company number is notified from the transaction center server to the user's terminal, the user inputs the company number to the ATM, and the ATM sends the company number and linkage information to the broker center server. Further, the broker center server refers to the company number and distributes the linkage information to the transaction center server of the financial institution related to the transaction. Thereby, the user can execute a cardless transaction using ATM for each of a plurality of financial institutions holding an account, and the convenience of the user can be greatly improved.

  Furthermore, in the present embodiment, the type of transaction (payment or withdrawal) and the amount (payout amount) performed by the user are registered in advance in the transaction center server from the user's terminal. According to this configuration, the financial institution managing the account grasps the transaction amount (for example, the amount to be withdrawn) before the withdrawal process through the ATM is actually performed, and performs necessary processing (for example, confirmation of insufficient balance, etc.) ) And preparations.

<Embodiment 2>
Next, a transaction system according to the second embodiment will be described with reference to the drawings. In the first embodiment, it is assumed that the user has already registered the password with the financial institution. On the other hand, in the present embodiment, it is assumed that the user holds an account in a business company such as a fund transfer company and deposits / withdraws from the account for which a personal identification number is not set. Below, it demonstrates focusing on the difference of the transaction system which concerns on this embodiment, and the transaction system of 1st Embodiment.

[Constitution]
FIG. 6 is a block diagram illustrating the configuration of the transaction system according to this embodiment. The present embodiment is different from the configuration of the transaction system (FIG. 2) of the first embodiment in that the transaction center server 20 further includes an issuing unit 24. Further, in this embodiment, the transaction center server 20 transmits an authentication number (for example, a one-time password) for the transaction to the terminal 30 instead of the personal identification number, and transmits the transmitted authentication number and the authentication number input to the ATM 10. Check to see if the transaction is acceptable.

  The communication unit 14 of the ATM 10 of this embodiment is different from the ATM 10 of the first embodiment in that the authentication number received by the input unit 11 is transmitted to the transaction center server 20.

  The transaction center server 20 of the present embodiment is different from the transaction center server 20 of the first embodiment in the following points. The issuing unit 24 issues an authentication number for a transaction (for example, withdrawal, payment, etc.). Further, when the communication unit 22 transmits a company number (such as a bank identification number) to the terminal 30, the communication unit 22 also transmits the authentication number issued by the issuing unit 24. Furthermore, the determination unit 23 compares the authentication number issued by the issuing unit 24 with the authentication number input to the ATM 10 received from the ATM 10 to determine whether the transaction is permitted.

[Operation]
FIG. 7 is a sequence diagram illustrating the withdrawal operation of the transaction system according to this embodiment. Hereinafter, the difference between the dispensing operation of the present embodiment and the dispensing operation in the first embodiment shown in FIG. 4 will be mainly described.

  Steps S1 to S15 in the withdrawal operation of the present embodiment shown in FIG. 7 are the same as steps S1 to S15 in the withdrawal operation of the first embodiment shown in FIG. However, in step S10 of the withdrawal operation of the present embodiment, the communication unit 22 of the transaction center server 20 transmits the issued authentication number together with the company number to the terminal 10, so that the withdrawal of the first embodiment shown in FIG. It is different from gold movement.

  Further, steps S16 to S23 in the dispensing operation of the present embodiment shown in FIG. 7 are the same as steps S16 to S23 in the dispensing operation of the first embodiment shown in FIG. However, the withdrawal operation of this embodiment is different from the withdrawal operation of the first embodiment shown in FIG. 4 in that an authentication number is used instead of the password in steps 16, S19 and S20.

  Note that the depositing operation of the transaction system according to the present embodiment is the same as the depositing operation in the first embodiment shown in FIG.

[effect]
According to the transaction system of the present embodiment, the same effects as the above-described effects brought about by the transaction system of the first embodiment can be obtained. According to this embodiment, the user can also execute a cardless transaction via ATM even for an account of a business company such as a fund transfer company for which a personal identification number is not set.

  Various modifications or improvements can be made to the transaction system according to the first and second embodiments. Hereinafter, such modifications will be described.

<Modification 1>
In the embodiment described above, the transaction center server 20 may set an expiration date for a transaction (for example, deposit / withdrawal) accepted from the user terminal 30.

  As an example, the determination unit 23 of the transaction center server 20 receives the cooperation information from the ATM 10 after receiving the withdrawal amount registration (step S4 in FIG. 4) or the deposit transaction registration (step S4 in FIG. 5) from the terminal 30. If the period up to (steps S12 and S13 in FIGS. 4 and 5) exceeds a predetermined period, the transaction may be permitted regardless of the verification result (step S14 in FIGS. 4 and 5). . Here, as the predetermined period, for example, the user inputs the time required for the user to read the QR code, the time required for transmission / reception of the cooperation information and the company number, and the company number notified from the transaction center server 20 to the ATM 10. It is preferable to use a period (for example, about 15 minutes) determined in consideration of the time required for the process.

  According to this modification, the safety of cashless transactions via ATM can be further improved.

<Modification 2>
A biometric authentication technique can be applied instead of the confirmation of the password or authentication number (steps S16, S19, S20 in FIG. 4 or FIG. 5) in the first or second embodiment.

  The user registers predetermined information (fingerprint, finger vein, face, iris, voice, handwriting, etc.) in advance in the transaction center server 20, and the transaction center server 20 holds the registered information. When the ATM 10 sensor receives a notification of account information or the like from the transaction center server 20 (step S15 in FIGS. 4 and 5), it reads (or accepts) information corresponding to the previously registered information from the user and reads it. Information is transmitted to the transaction center server 20. The determination unit 23 of the transaction center server 20 authenticates the user by comparing the received information with information registered in advance, and determines whether the transaction is permitted or not according to the authentication result.

  According to such a modification, even if the password is forgotten, cardless transaction via ATM can be realized safely. In addition, according to such a modification, it is possible to prevent others from being mistakenly authenticated, such as when a personal identification number or an authentication number is leaked. Furthermore, according to this modified example, the notification of the authentication number from the transaction center server to the terminal, and the input work of the password or authentication number to the ATM by the user can be omitted, and the cardless transaction via the ATM can be performed. Furthermore, it becomes possible to speed up and simplify.

<Modification 3>
In the withdrawal operation in the first and second embodiments, the user confirms again the withdrawal amount registered in advance by the user (step S4 in FIGS. 4 and 7) (step S18 in FIGS. 4 and 7), and in advance. The cash corresponding to the amount registered in (1) is withdrawn (step S22 in FIGS. 4 and 7).

  However, the user may want to change the withdrawal amount at the timing of withdrawal. In some cases, the amount of cash held in the account by the user is insufficient with respect to the withdrawal amount registered in advance (or exceeds the amount of withdrawal (or loan) allowed by the user). Furthermore, depending on the situation of the remaining number of banknotes and coins held by the ATM, there may be a case where the withdrawal amount registered in advance by the user cannot be withdrawn.

  Therefore, even when the withdrawal amount registered in advance by the user can be withdrawn, the display unit 13 of the ATM 10 displays the withdrawal amount registered in advance by the user (step S17 in FIGS. 4 and 7). A display for accepting correction of the withdrawal amount may also be performed. Further, when the withdrawal amount registered in advance by the user cannot be withdrawn, the display unit 13 of the ATM 10 may display a message prompting the user to correct the withdrawal amount or cancel the withdrawal. In these cases, when the input unit 11 of the ATM 10 receives a corrected withdrawal amount from the user, the transaction unit 15 performs a withdrawal process according to the corrected withdrawal amount. Further, in these cases, when the input unit 11 of the ATM 10 receives a withdrawal cancellation from the user, the transaction unit 15 stops the withdrawal.

  According to such a modification, it is possible to meet the demand of the user who wants to change the withdrawal amount flexibly. It is also possible to deal with exceptional situations such as insufficient account balance, withdrawal or loan limit, ATM bills and coins.

<Modification 4>
Instead of the QR code in the first or second embodiment, a one-dimensional barcode or other encoding technique may be used. In addition, instead of the ATM displaying a QR code including cooperation information and the terminal reading the cooperation information from the displayed QR code, the ATM performs wireless communication (for example, short-range wireless communication, proximity non-contact communication, etc.) ) May be used to transmit cooperation information (or information obtained by scrambled or encrypted cooperation information).

<Modification 5>
In the deposit / withdrawal operation in the first and second embodiments, the distribution unit 41 of the broker center server 40 distributes the linkage information to the transaction center server 20 of the financial institution corresponding to the received company number. (Step S13 in FIGS. 4, 5 and 7). However, the distribution destination of the cooperation information may be determined according to the company number input on the ATM 10 side instead of the transaction center server 20. In this case, the ATM 10 notifies the mediation center server 40 of the determined distribution destination, and the distribution unit 41 of the mediation center server 40 sends the cooperation information to the distribution destination notified from the ATM 10.

<Modification 6>
In the second embodiment, a case has been described in which a user holds an account in a business company such as a fund transfer company and deposits / withdraws from the account for which a personal identification number is not set. However, even if it is a transaction for a business company such as a fund transfer company, a password may be set (for example, when a password is set in advance on a user's smartphone and the password is used at an ATM) etc). In such a case, even if the transaction is for a business company such as a fund transfer company, the issuance of the authentication number may be omitted by adopting the same operation as in the first embodiment (FIGS. 4 and 5). it can.

  It should be noted that the entire disclosure of the above patent document is incorporated herein by reference. Within the scope of the entire disclosure (including claims) of the present invention, the embodiment can be changed and adjusted based on the basic technical concept. Further, various combinations or selections of various disclosed elements (including each element of each claim, each element of each embodiment, each element of each drawing, etc.) are possible within the framework of the entire disclosure of the present invention. is there. That is, the present invention of course includes various variations and modifications that could be made by those skilled in the art according to the entire disclosure including the claims and the technical idea. In particular, with respect to the numerical ranges described in this document, any numerical value or small range included in the range should be construed as being specifically described even if there is no specific description.

1, 10 ATM
2 First server 3, 30 Terminal 11 Input unit 12 Generation unit 13 Display unit 14 Communication unit 15 Transaction unit 20 Transaction center server 21 Management unit 22 Communication unit 23 Determination unit 24 Issuing unit 31 Reading unit 32 Communication unit 33 Display unit 40 Broker Center Server 41 Distribution Department

Claims (19)

ATM and
A first server for managing an account related to a transaction performed by a user via the ATM,
The ATM generates information including a first identifier for identifying the ATM as link information, transmits the generated link information to the first server,
The first server receives cooperation information read from the ATM by the terminal owned by the user from the terminal, collates the cooperation information received from the ATM and the cooperation information received from the terminal, Determining whether the transaction is acceptable;
A trading system characterized by that. The ATM generates information including the first identifier, a second identifier for identifying the transaction, and / or a date and time when the transaction is accepted, as the linkage information.
The transaction system according to claim 1. The ATM displays a QR code including the cooperation information.
The transaction system according to claim 1 or 2. The first server notifies the ATM of account information indicating the account and transaction information indicating the type and / or amount of the transaction received from the terminal,
The ATM executes the transaction based on the account information and the transaction information.
The transaction system according to any one of claims 1 to 3. A plurality of first servers for each of a plurality of financial institutions;
A second server that distributes the transaction to the plurality of first servers,
One server of the plurality of first servers transmits a third identifier identifying a financial institution corresponding to the one server to the terminal,
The second server receives the third identifier input to the ATM from the ATM, and transmits the cooperation information to the first server corresponding to the financial institution indicated by the third identifier.
The transaction system according to any one of claims 1 to 4. The first server transmits an authentication number for the transaction to the terminal, and compares the transmitted authentication number with the authentication number input to the ATM received from the ATM to determine whether the transaction is permitted or not. To
The transaction system according to any one of claims 1 to 5. A generating unit that generates information including a first identifier for identifying ATM as linkage information;
A communication unit that transmits the cooperation information to a first server that manages an account related to a transaction performed by a user via the ATM;
The transaction is determined according to the result of the approval or disapproval of the transaction determined by the first server comparing the cooperation information read from the ATM by the terminal owned by the user and the cooperation information received from the ATM. A trading department to execute or stop,
ATM characterized by that. The generation unit generates information including the first identifier, a second identifier for identifying the transaction, and / or a date and time when the transaction is received as the cooperation information.
The ATM according to claim 7. A display unit for displaying a QR code including the linkage information;
The ATM according to claim 7 or 8. The communication unit receives account information indicating the account and transaction information indicating the type and / or amount of the transaction received from the terminal from the first server,
The transaction unit executes the transaction based on the account information and the transaction information.
The ATM according to any one of claims 7 to 9. A management unit for managing accounts related to transactions conducted by users via ATM;
Information including a first identifier for identifying the ATM generated by the ATM is received as linkage information from the ATM, and linkage information read from the ATM by a terminal owned by the user is received from the terminal. A communication unit
The collation information received from the ATM and the collation information received from the terminal are collated, and a determination unit that determines whether the transaction is acceptable or not is provided.
A server characterized by that. The communication unit receives information including the first identifier, a second identifier for identifying the transaction, and / or a date and time when the transaction is received, generated as the ATM as the cooperation information. To
The server according to claim 11. The communication unit notifies the ATM of account information indicating the account and transaction information indicating the type and / or amount of the transaction received from the terminal.
The server according to claim 11 or 12. An issuing unit for issuing an authentication number for the transaction;
The communication unit transmits the authentication number to the terminal,
The determination unit determines whether the transaction is permitted by collating the authentication number issued by the issuing unit with the authentication number input to the ATM received from the ATM.
The server according to any one of claims 11 to 13. A transaction method in a transaction system comprising an ATM and a first server that manages an account relating to a transaction performed by a user via the ATM,
The ATM generates information including a first identifier for identifying the ATM as link information, and transmits the generated link information to the first server;
The first server receiving cooperation information read from the ATM by a terminal owned by the user;
The first server collates the cooperation information received from the ATM with the cooperation information received from the terminal, and determines whether or not the transaction is permitted,
A transaction method characterized by that. An ATM generating information including a first identifier for identifying the ATM as linkage information;
Transmitting the cooperation information to a first server that manages an account related to a transaction performed by a user via the ATM;
The transaction is determined according to the result of the approval or disapproval of the transaction determined by the first server comparing the cooperation information read from the ATM by the terminal owned by the user and the cooperation information received from the ATM. Executing or stopping, and
A transaction method characterized by that. A transaction method by a server that manages an account related to a transaction performed by a user via an ATM,
The server receives information including a first identifier for identifying the ATM generated by the ATM from the ATM as linkage information;
Receiving cooperation information read from the ATM by a terminal owned by the user from the terminal;
Collating the cooperation information received from the ATM with the cooperation information received from the terminal, and determining whether the transaction is permitted or not.
A transaction method characterized by that. Processing for generating information including a first identifier for identifying ATM as linkage information;
A process of transmitting the cooperation information to a first server that manages an account related to a transaction performed by a user via the ATM;
The transaction is determined according to the result of the approval or disapproval of the transaction determined by the first server comparing the cooperation information read from the ATM by the terminal owned by the user and the cooperation information received from the ATM. Processing to be executed or stopped, and causing a computer provided in the ATM to execute the processing.
A program characterized by that. For a computer provided in a server that manages an account related to a transaction performed by a user via ATM,
A process of receiving information including a first identifier for identifying the ATM generated by the ATM as linkage information from the ATM;
Processing for receiving cooperation information read from the ATM by the terminal owned by the user from the terminal;
The collation information received from the ATM and the cooperation information received from the terminal are collated to determine whether the transaction is permitted or not.
A program characterized by that.

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