JP2018010386A - Transaction management system and transaction management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable secure succession of transaction reservation between specific terminals to be efficiently executed with good cost performance.SOLUTION: A transaction management system 10 comprises an ATM 200 which includes: a storage device 201 for holding a server one-time password obtained from a server 300 and an ATM public key 216; and a computation device 204 for encrypting information on a coded object using a server public key 316 of the server 300, converting the same into a two-dimensional code and displaying, receiving from the server 300 the fact that authentication of the server one-time password of the server 300 is successfully performed, information on transaction reservation and an encryption one-time password, and if the authentication is successfully performed by decrypting the encryption one-time password, performing cash transaction based on the information on transaction reservation.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a transaction management system and a transaction management method, and more specifically to a technique that enables secure handover of transaction reservations between predetermined terminals to be efficiently executed with good cost.

  In order to meet the needs such as reducing the administrative burden of tellers at ATMs of financial institutions and the easing of queues at ATMs, transactions are pre-filled at customer terminals, and the transaction details (transactions) A technique for transferring to a transaction terminal has been proposed.

  Such techniques include, for example, receiving from the customer a transaction prepared in advance for execution at a self-service terminal device (step 502) and storing the received transaction together with the customer identifier of the customer. (Step 504) and then receiving (i) a self-service terminal device identification message and (ii) the customer identifier from the customer when the customer is located at the self-service terminal device (step 506); Identifying the stored transaction associated with the received customer identifier (step 508), authenticating the self-service terminal device identification message (step 514), and authenticating the self-service terminal device identification message Sometimes said Transmitting another has been the already stored transaction to the self-service terminal (step 516), such as transaction processing method (see Patent Document 1) has been proposed in the self-service terminal comprising the steps of.

  Further, in a financial institution mediation line connection and information provision / acquisition method in a communication network in which a customer communication terminal is connected to a financial institution communication device through an intermediary communication device to perform bank transactions, the customer communication terminal is connected to the intermediary communication device. On the other hand, the step of transmitting the address information given to the customer communication terminal together with the barcode information obtained by reading the barcode storing the information indicating the financial institution to be connected to the communication, and the intermediary communication device includes the customer communication terminal Receiving the barcode information and the address information from the terminal, extracting the information indicating the financial institution, and the intermediary communication device connecting the line to the extracted financial institution communication device of the financial institution and transferring the address information And the financial institution communication device executes a bank transaction by connecting to a customer communication terminal for address information. Wherein the step, that it is constituted by the steps of, has also been proposed, such as a bank intermediation line connection and the information providing-acquisition method (see Patent Document 2) in a communication network.

JP 2013-105490 A JP 2003-76855 A

  However, in the conventional technology, there are cases where major system modifications are required for introduction, and there are cases where new installations of dedicated hardware are required for both financial institutions and customers, which in turn increases costs and labor during installation and operation. There was a concern.

In addition, the number of operation procedures at the customer's smartphone or various terminals increases as compared with the case of the existing service, which may increase the transaction time and labor of the customer. In this case, the customer will decrease customer satisfaction regarding the transaction service provided by the financial institution and the application for that purpose. In addition, as the transaction time increases, the turnover rate of equipment such as ATMs may decrease, leading to a loss of transaction opportunities, such as the occurrence of customers leaving the queue and leaving the store.

  Accordingly, an object of the present invention is to provide a technology that enables secure takeover of transaction reservations between predetermined terminals to be efficiently performed with good cost.

  The transaction management system of the present invention that solves the above problems includes a storage device that holds a one-time password and an encryption key of the server obtained from a predetermined server, and an encrypted one that is generated and encrypted when a predetermined event occurs. The information to be encoded including the time password and the one-time password of the server is encrypted with the encryption key of the server, and the encoded information to be encoded is converted into a two-dimensional code by a predetermined algorithm. Processing from the server that has received the information to be encoded and the information on the transaction reservation by the customer obtained from the customer terminal that has read the two-dimensional code and the processing to display on the output device. That the one-time password of the server included in the target information has been successfully authenticated, the transaction reservation information, and the encoding target An arithmetic unit that receives the encrypted one-time password included in the information and decrypts the encrypted one-time password and succeeds in authentication, and executes processing for performing a cash transaction based on the transaction reservation information. Including a financial institution terminal.

  In addition, the transaction management method of the present invention is a financial institution terminal provided with a storage device that holds a one-time password and an encryption key of the server obtained from a predetermined server. The information to be encoded including the encrypted one-time password and the one-time password of the server is encrypted with the encryption key of the server, and the encoded information to be encoded is converted into a two-dimensional code by a predetermined algorithm. From the server that has received the information to be encoded and the information on the transaction reservation by the customer obtained from the reading from the customer terminal that has read the two-dimensional code, and the process of converting to the output device and displaying the two-dimensional code, The fact that the one-time password of the server included in the information to be encoded has been successfully authenticated, the information on the transaction reservation, and the encoding pair Receiving the encrypted one-time password included in the information, and performing a cash transaction based on the transaction reservation information when the encrypted one-time password is decrypted and authentication is successful. Features.

  According to the present invention, secure handover of transaction reservations between predetermined terminals can be efficiently executed with good cost.

It is a lineblock diagram showing the transaction management system of this embodiment. It is a figure which shows the hardware structural example of the smart phone in this embodiment. It is a figure which shows the hardware structural example of ATM in this embodiment. It is a figure which shows the hardware structural example of the server in this embodiment. It is a figure which shows the example of a flow of the transaction management method in this embodiment. It is a figure which shows the data structural example of the transaction reservation information in this embodiment. It is a figure which shows the example 1 of a screen in this embodiment. It is a figure which shows the example of a data structure of QR Code in this embodiment. It is a figure which shows the example 2 of a screen in this embodiment. It is a figure which shows the example 3 of a screen in this embodiment.

--- System configuration example ---

  Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a configuration diagram showing a transaction management system 10 of the present embodiment. A transaction management system 10 shown in FIG. 1 is a computer system that can efficiently execute secure handover of transaction reservations between predetermined terminals with good cost.

  The transaction management system 10 includes, as an example, a smartphone 100 as a customer terminal, an ATM 200 (hereinafter the same) as an example of a financial institution terminal, and a server 300. The smartphone 100, the ATM 200, and the server 300 are connected to each other via the secure network 20.

  Among these, the smart phone 100 is a customer terminal possessed by a customer of a financial institution and serves as a terminal for making a predetermined transaction reservation for a cash transaction. The customer carries the smartphone 100 and goes to the ATM 200 for an actual cash transaction.

  The ATM 200 is an automatic teller machine installed in a financial institution or various stores. The ATM 200 in the present embodiment has a general configuration that has existed in the past, and does not include special hardware unique to the present embodiment. In this embodiment, the ATM 200 is shown as an example of a financial institution terminal, but is not limited to this. As financial institution terminals, various terminals in financial institutions such as so-called self-service terminal devices may be assumed.

The server 300 is a server device that includes at least a predetermined authentication function based on a one-time password and functions for encrypting and decrypting a communication message with another device. As a specific example of the server 300, a server device of an Internet banking system can be assumed, but the scope of application is not limited thereto.
--- Hardware configuration ---

  Then, each hardware constitutions of smart phone 100, ATM200, and server 300 which constitute transaction management system 10 of this embodiment is explained.

  FIG. 2 is a diagram illustrating a hardware configuration example of the smartphone 100 according to the present embodiment. The smartphone 100 includes a storage device 101 configured with an appropriate non-volatile storage element such as a flash memory, a memory 103 configured with a volatile storage element such as a RAM, and a program 102 held in the storage device 101 read out to the memory 103. The control device 104 such as a CPU that performs various determinations, calculations, and control processes, and performs input control 105 that receives key input and voice input from a user, a display that displays processing data, and the like Output device 106, communication device 107 connected to network 20 and responsible for communication processing with other devices such as server 300, and digital camera unit 108.

The above-described program 102 includes at least each program of the transaction reservation application 110 and the QR code (registered trademark) reader 120. Of these, the transaction reservation application 110 is an application for accepting prior transaction reservations for cash transactions. Specifically, an Internet banking application may be assumed, but this is not a limitation. The transaction reservation application 110 has a function of accepting information such as the type of cash transaction, information on a transaction target account, and a transaction amount from a customer, and storing the information as transaction reservation information 111 in an appropriate storage unit in the smartphone 100. Any one can be used.

  The QR code reader 120 is an application that acquires QR code image data via the digital camera unit 108 and decodes information (information to be encoded) from the image data by a predetermined algorithm.

  Further, in the storage device 101, transaction reservation information 111 is stored in addition to the above-described program 102 that implements functions necessary for the smartphone 100 of the present embodiment. This transaction reservation information 111 includes sensitive information including not only the details of the transaction reserved in advance, but also contract information of the customer who is the subject of the transaction reservation (the store number, subject, and account number of the account established at the financial institution). But there is. Therefore, the storage destination needs to be able to securely manage the stored information.

  Therefore, the storage device 101 also has a function of, for example, appropriately encrypting the transaction reservation information 111 and strictly managing access from the outside. Or it is good also considering the storage medium which requests | requires an authentication process for the access to the storage information, such as the SIM card of the smart phone 100, as the storage destination of the transaction reservation information 111.

  FIG. 3 is a diagram illustrating a hardware configuration example of the ATM 200 in the present embodiment. The ATM 200 in the present embodiment includes a general apparatus configuration as an ATM such as a cash storage 220, a cash transport mechanism 230, and a cash slot 240, and a computer 250 that executes control of such an apparatus.

  Among these, the computer 250 includes a storage device 201 configured by an appropriate nonvolatile storage element such as an SSD or a hard disk drive, a memory 203 configured by a volatile storage element such as a RAM, and a program 202 held in the storage device 201. Are read and executed to perform overall control of each of the above-described devices and perform various determinations, computations, and control processes, an arithmetic device 204 such as a CPU, an input device 205 such as a touch panel and a keyboard that accepts input from the user, and processing results. An output device 206 such as a display and a speaker to output, and a communication device 207 connected to the network 20 and responsible for communication processing with an external device such as the server 300 are provided.

  The above-described program 202 includes at least each program of the one-time password management unit 210, the encryption processing unit 211, and the QR code generation unit 212.

  Of these, the one-time password management unit 210 is a program that generates a one-time password using a predetermined algorithm when an event occurs such as receiving an instruction for processing related to a transaction reservation from a customer using the input device 205 of the ATM 200. . The one-time password generated by the one-time password management unit 210 is referred to as an ATM one-time password.

  In addition, the encryption processing unit 211 generates a public key 216 (hereinafter referred to as an ATM public key 216) with the occurrence of the above-described event, and encrypts the ATM one-time password using the public key 216, and the server 300 A function of decrypting predetermined information (information encrypted with the ATM public key 216) received from the private key 215 (hereinafter referred to as the ATM private key 215) held in the storage device 201 in advance. It is a program.

Further, the QR code generating unit 212 includes a one-time password originating from the server 300 (hereinafter referred to as a server one-time password), a terminal identifier 217 of the ATM 200 that is stored in the storage device 201 in advance, and And encrypting the ATM one-time password encrypted by the encryption processing unit 211 (hereinafter referred to as the encrypted one-time password) with the public key 316 of the server 300 (hereinafter referred to as the server public key 316) as the encoding target information. This is a program for converting the encrypted encoding target information into a QR code by a predetermined algorithm and displaying it on the output device 206.

  The terminal identifier 217 described above is information including the machine number and IP address of the ATM 200.

  FIG. 4 is a diagram illustrating a hardware configuration example of the server 300 in the present embodiment. The server 300 according to the present embodiment includes a storage device 301 configured with an appropriate nonvolatile storage element such as an SSD or a hard disk drive, a memory 303 configured with a volatile storage element such as a RAM, and a program 302 held in the storage device 301. An arithmetic device 304 such as a CPU that performs various determinations, computations, and control processes while performing overall control of the above-described devices by reading out to the memory 303 and the like, and an external device such as the smartphone 100 and the ATM 200 connected to the network 20 The communication apparatus 305 which bears communication processing with is provided.

  Note that the above-described program 302 includes at least the one-time password management unit 310 and the encryption processing unit 311.

  Of these, the one-time password management unit 310 is a program that generates the above-described server one-time password by a predetermined algorithm and transmits it to the ATM 200 in response to the occurrence of an event such as receiving a one-time password request from the ATM 200, for example. .

In addition, the encryption processing unit 311 generates the above-described server public key 316 along with the occurrence of the above-described event, transmits the same to the ATM 200, and predetermined information received from the smartphone 100 (encrypted with the server public key 316). Is a program that implements a function of decrypting the encoded encoding target information) with a secret key 315 (hereinafter referred to as a server secret key 315) held in advance in the storage device 301.
--- Flow example ---

  Hereinafter, the actual procedure of the transaction management method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the transaction management method described below are realized by a program that is read into a memory or the like and executed by each device constituting the transaction management system 10. And this program is comprised from the code | cord | chord for performing the various operation | movement demonstrated below.

  FIG. 5 is a diagram illustrating a flow example of the transaction management method in the present embodiment. Here, a situation is assumed in which a customer of a certain financial institution makes a prior transaction reservation on the smartphone 100 for a cash transaction at the ATM 200.

  In this case, the smartphone 100 activates the transaction reservation application 110 in accordance with the customer's instruction, and receives and stores transaction reservation information regarding the cash transaction, that is, the transaction reservation information 111 via the interface (s100). The smartphone 100 stores the transaction reservation information 111 in a secure storage area secured by the transaction reservation application 110. As described above, although referred to as “transaction reservation”, the transaction reservation information 111 obtained by the transaction reservation application 110 is not notified to the financial institution side at this time, and is held by the smartphone 100 to the last.

FIG. 6 is a diagram showing a data configuration example of the transaction reservation information 111 in the present embodiment. As illustrated in FIG. 6, the transaction reservation information 111 in the present embodiment includes contract information (store number, subject, and account number of an account opened at a financial institution) of the customer and details of a cash transaction (example: Transaction type such as transfer and payment, account number of transaction target, transaction amount, etc.).

  Then, suppose that the above-mentioned customer carries the smart phone 100 and goes to ATM200. Further, it is assumed that the customer selects “cardless transaction” on the menu screen 700 (FIG. 7) of the ATM 200, for example.

  When applying the transaction management method of this embodiment and performing a cash transaction, the cash card required by the cash transaction in ATM200 is unnecessary. Therefore, the customer who made the above-described transaction reservation selects “cardless transaction” on the menu screen 700 and desires the processing to which the transaction management method of the present embodiment is applied.

  In response to the selection of “cardless transaction” described above, the ATM 200 executes generation of an ATM one-time password by the one-time password management unit 210 and generation of an ATM public key 216 by the encryption processing unit 211 (s101).

  Subsequently, the ATM 200 encrypts the ATM one-time password with the above-described ATM public key 216 by the encryption processing unit 211, and generates an encrypted one-time password (s102).

  In addition, the ATM 200 uses the encryption processing unit 211 to obtain the server one-time password (obtained from the server 300 in advance), the terminal identifier 217 of the ATM 200 previously stored in the storage device 201, and the above-described encrypted one-time password. Then, it is encrypted with the server public key 316 (obtained from the server 300 in advance) as the encoding target information (s103).

  Prior to the execution of s103, the ATM 200 requests the server 300 for the server one-time password and the server public key 316, obtains the server one-time password and the server public key 316, and holds them in the storage device 201. It shall be.

  Next, the ATM 200 converts the encoding target information encrypted in s103 described above into a QR code by the QR code generation unit 212, and displays the QR code on the output device 206 (s104). A configuration example of data (encoding target information) included in the QR code 800 is as illustrated in FIG.

  On the other hand, the above-described customer activates the QR code reader 120 of the smartphone 10 and performs a reading operation on the QR code 800 being displayed on the output device 206 of the ATM 200. Specifically, the photographing operation of the QR code 800 by the digital camera unit 108 is performed.

  In this case, the QR code reader 120 of the smartphone 100 acquires the image data of the QR code 800 via the digital camera unit 108 described above, and decodes the encoding target information from the image data using a predetermined algorithm (s105).

  Subsequently, the smartphone 100 transmits the encoding target information obtained in s105 described above and the transaction reservation information 111 already obtained in s100 to the server 300 (s106).

  On the other hand, the server 300 receives the encoding target information and the transaction reservation information 111 described above, and decrypts the encoding target information with the server secret key 315 by the encryption processing unit 311 (s107).

Next, the server 300 executes authentication by the one-time password management unit 310 for the server one-time password among the encoding target information obtained by the decryption of s107 described above (s108). Such a one-time password authentication method may adopt an existing technique as appropriate.

  If the one-time password authentication fails as a result of the above-described authentication (s109: n), the server 300 notifies the above-mentioned smartphone 100 that the transaction reservation process cannot be performed (s110), and ends the flow. To do.

  On the other hand, if the one-time password authentication is successful as a result of the above-described authentication (s109: y), the server 300 addresses the IP address of the ATM 200 indicated by the terminal identifier 217 in the encoding target information obtained in the above-described s107. Similarly, the encrypted one-time password included in the encoding target information and the transaction reservation information 111 received in s107 are transmitted (s111).

  The ATM 200 receives the encrypted one-time password and the transaction reservation information 111 from the server 300 described above, and decrypts the encrypted one-time password with the ATM secret key 215 by the encryption processing unit 211 (s112). Get.

  Subsequently, the ATM 200 executes authentication by the one-time password management unit 210 for the ATM one-time password obtained by the decryption of s112 described above (s113). Such a one-time password authentication method may adopt an existing technique as appropriate.

  If the one-time password authentication fails as a result of the above authentication (s114: n), the ATM 200 displays on the screen 900 (FIG. 9) of the output device 206 that the transaction reservation process cannot be performed (s115). The flow is finished.

  On the other hand, if the one-time password authentication is successful as a result of the above-described authentication (s114: y), the ATM 200 displays a message for prompting the input of the personal identification number on the screen 1000 (FIG. 10) of the output device 206. Is input by the input device 205 (s116).

  The ATM 200 performs authentication of the personal identification number received in s116 for the customer's account indicated by the transaction reservation information 111 (s117). In this authentication, for example, the ATM 200 transmits an authentication request including the customer's account information indicated by the transaction reservation information 111 and the personal identification number obtained in s116 to a predetermined authentication system in the financial institution, and returns the authentication result as a response. The process obtained as follows.

  As a result of the above-described authentication, if the authentication of the personal identification number fails (s118: n), the ATM 200 does not execute the cash transaction processing indicated by the transaction reservation information 111, and indicates that the authentication of the personal identification number has failed. Displayed at 206 (s119), the flow is terminated.

  On the other hand, as a result of the above authentication, if the password is successfully authenticated (s118: y), the ATM 200 executes the cash transaction processing indicated by the transaction reservation information 111 in accordance with the protocol of the financial institution (s120). The flow is finished.

  Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the scope of the invention.

  According to this embodiment, secure takeover of transaction reservations between predetermined terminals can be efficiently executed with good cost.

  At least the following will be clarified by the description of the present specification. That is, in the transaction details management system of the present embodiment, the computing device of the financial institution terminal receives an input of a personal identification number by the customer at the input device when performing a cash transaction based on the information of the transaction reservation, With respect to the customer account indicated by the transaction reservation information, the authentication of the personal identification number is executed by a predetermined algorithm, and when the authentication of the personal identification number is successful, the process of performing the cash transaction is further executed. Also good.

  According to this, in addition to the authentication by the one-time password at the server and the financial institution terminal described above, the cash transaction is executed on the condition of the authentication of the personal identification number, so that the transaction reservation between the predetermined terminals can be taken over. It becomes even more secure. In addition, from the customer side, a secure transaction can be secured without any particular effort or burden by executing a very simple and familiar operation of inputting a personal identification number once.

  Further, in the transaction management system of the present embodiment, processing for receiving information on a transaction reservation desired by a customer by an input device and storing the information on the transaction reservation in a storage device, and the financial institution terminal displayed on the output device An arithmetic device that executes a process of reading the two-dimensional code with an imaging device and transmitting the information to be coded obtained by the reading and the information of the accepted transaction reservation to the server. A customer terminal may be further included.

  According to this, it is possible to provide an environment in which a reliable authentication process associated with a transaction reservation can be efficiently and easily completed for a customer who wants to smoothly conduct cash transactions at a financial institution terminal. As a result, secure handover of transaction reservations between predetermined terminals can be efficiently performed with good cost.

  Further, in the transaction management system of the present embodiment, a process of transmitting the one-time password generated when a predetermined event occurs and a predetermined encryption key to the financial institution terminal, and reading the two-dimensional code The information on the encoding target obtained by the reading and the information on the transaction reservation by the customer are received from the performed customer terminal, the one-time password included in the information on the encoding is decrypted and authenticated, and the authentication is performed. If the authentication is successful, an operation to execute the process of transmitting the information indicating that the authentication has been successful, the transaction reservation information, and the encrypted one-time password included in the information to be encoded to the financial institution terminal. A server including the apparatus may be further included.

  According to this, taking over of a transaction reservation between a financial institution terminal and a customer terminal becomes even more efficient and secure.

  In the transaction management method of the present embodiment, when the financial institution terminal performs a cash transaction based on the transaction reservation information, the input of a personal identification number by the customer is received by an input device, and the transaction reservation With regard to the account of the customer indicated by the information, the authentication of the personal identification number may be executed by a predetermined algorithm, and when the authentication of the personal identification number is successful, the process of performing the cash transaction may be further executed.

  In the transaction management method of the present embodiment, the customer terminal accepts transaction reservation information desired by the customer by the input device, and stores the transaction reservation information in the storage device; and the financial institution terminal outputs the device In the imaging device, reading the two-dimensional code displayed in (3) is executed, and the process of transmitting the information to be coded obtained by the reading and the received transaction reservation information to the server is executed. Also good.

In the transaction management method of the present embodiment, the server transmits a one-time password generated with the occurrence of a predetermined event and a predetermined encryption key to the financial institution terminal, and the two-dimensional code From the customer terminal that performed the reading, the information to be encoded and the information on the transaction reservation by the customer obtained by the reading are received, and the one-time password included in the information to be encoded is decrypted and authenticated, If the authentication is successful, a process of transmitting the fact that the authentication is successful, the transaction reservation information, and the encrypted one-time password included in the information to be encoded to the financial institution terminal is executed. You may do that.

DESCRIPTION OF SYMBOLS 10 Transaction management system 20 Network 100 Smartphone 101 Storage device 102 Program 103 Memory 104 Arithmetic device 105 Input device 106 Output device 107 Communication device 108 Digital camera unit 110 Transaction reservation application 111 Transaction reservation information 120 QR code reader 200 ATM (financial institution terminal)
201 storage device 202 program 203 memory 204 arithmetic device 205 input device 206 output device 207 communication device 210 one-time password management unit 211 encryption processing unit 212 QR code generation unit 215 ATM private key 216 ATM public key 217 terminal identifier 220 cash storage 230 cash Transport mechanism 240 Cash slot 250 Computer 300 Server 301 Storage device 302 Program 303 Memory 304 Computing device 305 Communication device 310 One-time password management unit 311 Encryption processing unit 315 Server private key 316 Server public key 700 screen 800 QR code 900 screen 1000 screen

Claims (8)

A storage device that holds the one-time password and encryption key of the server obtained from the predetermined server;
Encrypted information including the encrypted one-time password generated and encrypted with the occurrence of the predetermined event and the one-time password of the server with the encryption key of the server, and the encrypted code Processing to convert the information to be converted into a two-dimensional code by a predetermined algorithm and displaying it on the output device;
From the server that received the information to be coded and the information on the transaction reservation by the customer obtained from the customer terminal that has read the two-dimensional code, The time password authentication was successful, the transaction reservation information, and the encrypted one-time password included in the information to be encoded were received, and the encrypted one-time password was decrypted and successfully authenticated. A process of performing a cash transaction based on the information of the transaction reservation;
An arithmetic unit for executing
The transaction management system characterized by including the financial institution terminal provided with. The computing device of the financial institution terminal is
In the process of performing a cash transaction based on the information of the transaction reservation, the input device accepts the input of the personal identification number by the input device, and the authentication of the personal identification number is performed with respect to the customer account indicated by the transaction reservation information by a predetermined algorithm When the authentication of the password is successful, the process of performing the cash transaction is further executed.
The transaction management system according to claim 1.   The imaging device executes processing for accepting transaction reservation information desired by the customer by the input device, storing the transaction reservation information in the storage device, and reading the two-dimensional code displayed by the financial institution terminal on the output device. The information processing apparatus further includes a customer terminal including an arithmetic device that executes processing for transmitting the information to be coded obtained by the reading and the information on the accepted transaction reservation to the server. The transaction management system according to claim 1. A process of transmitting a one-time password generated with the occurrence of a predetermined event and a predetermined encryption key to the financial institution terminal;
From the customer terminal that has read the two-dimensional code, the information to be encoded and the information on the transaction reservation by the customer obtained by the reading are received, and the one-time password included in the information to be encoded is decoded. If the authentication is successful, the authentication is successful, the transaction reservation information, and the encrypted one-time password included in the information to be encoded are transmitted to the financial institution terminal. Processing,
The transaction management system according to claim 1, further comprising a server including an arithmetic device that executes the following. A financial institution terminal having a storage device that holds a one-time password and an encryption key of the server obtained from a predetermined server,
Encrypted information including the encrypted one-time password generated and encrypted with the occurrence of the predetermined event and the one-time password of the server with the encryption key of the server, and the encrypted code Processing to convert the information to be converted into a two-dimensional code by a predetermined algorithm and displaying it on the output device;
From the server that received the information to be coded and the information on the transaction reservation by the customer obtained from the customer terminal that has read the two-dimensional code, The time password authentication was successful, the transaction reservation information, and the encrypted one-time password included in the information to be encoded were received, and the encrypted one-time password was decrypted and successfully authenticated. A process of performing a cash transaction based on the information of the transaction reservation;
The transaction management method characterized by performing. The financial institution terminal is
In the process of performing a cash transaction based on the information of the transaction reservation, the input device accepts the input of the personal identification number by the input device, and the authentication of the personal identification number is performed with respect to the customer account indicated by the transaction reservation information by a predetermined algorithm And when the authentication of the PIN is successful, further execute the cash transaction process.
The transaction management method according to claim 5. The customer terminal is
A process for receiving information on a transaction reservation desired by a customer by an input device and storing the information on the transaction reservation in a storage device;
The financial institution terminal reads the two-dimensional code displayed on the output device by the imaging device, and transmits the information to be coded and the information on the accepted transaction reservation obtained by the reading to the server. Processing,
The transaction management method according to claim 5, wherein: The server is
A process of transmitting a one-time password generated with the occurrence of a predetermined event and a predetermined encryption key to the financial institution terminal;
From the customer terminal that has read the two-dimensional code, the information to be encoded and the information on the transaction reservation by the customer obtained by the reading are received, and the one-time password included in the information to be encoded is decoded. If the authentication is successful, the authentication is successful, the transaction reservation information, and the encrypted one-time password included in the information to be encoded are transmitted to the financial institution terminal. Processing,
The transaction management method according to claim 5, wherein:

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