JP2018077723A - Trading system, cash processing apparatus, and server - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve operability of ATM machines as well as cash transaction services using ATMs by making existing cash transaction systems cooperate with other communication systems.SOLUTION: A trading system according to the present invention includes a cash processing system for performing transaction processing between a cash processing apparatus and a host computer, one or a plurality of servers holding transaction information required for one or a plurality of predetermined transactions, and a cooperation system for performing conversion processing between telegrams to/from the cash processing apparatus and communication signals to/from the server and performing cooperative processing between the cash transaction apparatus and each server. The cash processing apparatus acquires from the server transaction information required for a transaction corresponding to specific information specifying the transaction via the cooperation system and performs transaction processing with the host computer by using a telegram including the transaction information required for the transaction.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction system, a cash processing apparatus, and a server. For example, the present invention is applied to a transaction system that performs transaction processing in cooperation with an existing accounting system and a communication system that can communicate with a company server other than a financial institution. To get.

  Conventionally, an automatic teller machine (ATM: Automatic Teller Machine, hereinafter referred to as “ATM”) performs transactions by sending and receiving electronic messages with a host computer of a financial institution.

  For example, when making a transfer transaction, the customer needs to enter the recipient's bank name, branch name, account type, account number, recipient name, name of the client, and transfer amount. (See Patent Document 1). In particular, when a customer makes a cash transfer without using a bank card, the customer needs to manually input information on each item.

Japanese Patent Laying-Open No. 2006-048578

  As described above, for example, at the time of a transfer transaction in ATM, since there are many input items requested from the customer, an operation error or an input error may occur. In particular, foreigners are not accustomed to ATM operation, so many operation errors can occur, and it takes time to complete the transaction. Depending on the prosperity store and the time zone, the ATM customer use time becomes longer, and it may cause other customers to wait for a long time. Even financial institutions can lead to a decline in ATM usage services.

  As described above, the conventional cash transaction system is only a message exchange between the ATM and the host computer, and cannot cooperate with a communication system connected to a communication system such as a company server other than a financial institution. There is a need to improve the operability and convenience of ATMs that handle cash.

  Therefore, a transaction system, a cash processing apparatus, and a server that improve operability in ATM and a cash transaction service using ATM by linking an existing cash transaction system and another communication system are required.

  In order to solve such a problem, a transaction system according to the first aspect of the present invention includes (1) a cash processing system that performs transaction processing between a cash processing apparatus and a host computer, and (2) one or a plurality of predetermined transactions. One or a plurality of servers holding transaction information necessary for the transaction, and (3) a conversion process between a message between the cash transaction apparatus and a communication signal between the servers, and the cash transaction apparatus and each server A cash processing apparatus that acquires the transaction information necessary for the transaction corresponding to the specific information for identifying the transaction from the server via the cooperation system (1-1) (1-2) Transaction processing is performed with a host computer using a message containing transaction information necessary for the transaction.

  A cash processing apparatus according to a second aspect of the present invention is a cash processing apparatus that performs cash processing with a host computer, (1) a specific information acquisition unit that acquires specific information for specifying a predetermined transaction, and (2) A transaction information acquisition unit that acquires transaction information necessary for a transaction, corresponding to specific information for identifying the transaction, from a server that holds transaction information necessary for one or a plurality of predetermined transactions via the linkage system; 3) A transaction execution unit that performs a cash transaction with a host computer using a message including transaction information necessary for the transaction is provided.

  The server according to the third aspect of the present invention includes: (1) a storage unit that holds, for each transaction, transaction management information in which specific information for specifying one or a plurality of predetermined transactions is associated with transaction information necessary for the transaction; (2) A transaction information search unit for searching for transaction information necessary for the transaction from the storage unit based on the specific information acquired through the cooperation system; and (3) required for the transaction searched by the transaction information search unit. And a transaction information transmitting unit that transmits the transaction information to the requesting cash processing apparatus via the cooperation system.

  According to the present invention, an existing cash transaction system and another communication system can be linked to improve the operability in ATM and the cash transaction service using ATM.

It is a lineblock diagram showing the whole transaction system composition concerning a 1st embodiment. It is an internal block diagram which shows the internal structure of the control system of ATM which concerns on 1st Embodiment. It is a block diagram which shows the structure of the cooperation system which concerns on 1st Embodiment. It is a block diagram which shows the structural example of the cooperation management information which concerns on 1st Embodiment. It is a block diagram which shows the structure of the company server which concerns on 1st Embodiment. It is a block diagram which shows the structural example of the transfer management information which concerns on 1st Embodiment. It is a flowchart which shows the operation | movement of the process in ATM which concerns on 1st Embodiment. It is a sequence diagram which shows operation | movement of the transaction process in the transaction system which concerns on 1st Embodiment. It is a flowchart which shows the processing operation of the transfer transaction in the conventional ATM. It is a flowchart which shows the operation | movement of the process in ATM which concerns on 2nd Embodiment.

(A) 1st Embodiment Below, 1st Embodiment of the transaction system which concerns on this invention, a cash processing apparatus, and a server is described in detail, referring drawings.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration of Transaction System 9 FIG. 1 is a configuration diagram showing an overall configuration of transaction system 9 according to the first embodiment.

  In FIG. 1, the transaction system 9 according to the first embodiment includes an ATM 1, a host computer 2, a linkage system 3, and a company server 4 (4-1 to 4-N: N is a positive integer).

  As shown in FIG. 1, the ATM 1 and the host computer 2 connected to the network 51 are existing cash transaction systems (that is, financial transaction systems). The ATM 1 and the host computer 2 exchange messages related to the transaction via the network 51 in order to realize the transaction.

  The ATM 1 is connected to the cooperation system 3 via the network 52, and the cooperation system 3 is connected to the company server 4 via the network 53. In response to a request from ATM 1, linkage system 3 performs an intermediary process between requested company server 4 and ATM 1, and exchanges information between ATM 1 and company server 4.

  The host computer 2 obtains information related to the transaction (for example, the type of transaction, information necessary for executing the transaction, the transaction amount, etc.) from the ATM 1 and performs the transaction with the transaction content specified by the ATM 1. For example, in the case of a transfer transaction, the host computer 2 obtains the recipient's bank name, branch name, account type, account number, recipient name, name of the client, and transfer amount as information relating to the transaction. To do. The host computer 2 executes a transaction using information relating to these transactions. When the transaction is completed, the host computer 2 returns a response message regarding the transaction establishment to the ATM 1.

  ATM1 is a cash transaction apparatus that receives a customer operation and performs predetermined transaction processing. For example, ATM1 is installed in a store, a station, an airport, or the like of a financial institution. ATM1 can perform cash withdrawal transactions, deposit transactions, transfer transactions, etc., and depending on the model, it can also perform transactions such as passbook entry and balance inquiry.

  ATM1 has the operation display part 12 (refer FIG. 2), and requests | requires the customer of the input of the transaction type and the information regarding a transaction through this operation display part 12. FIG. The ATM 1 transmits to the host computer 2 a message containing information regarding the transaction input through the operation display unit 12. Then, the response message is received from the host computer 2, and the ATM 1 completes the transaction.

  The ATM 1 exchanges information with the company server 4 via the linkage system 3 when performing a predetermined transaction or a specific transaction among a plurality of transaction types. The ATM 1 acquires information related to the specific transaction from the company server 4 and performs a transaction with the host computer 2 using the information related to the specific transaction.

  Here, the specific transaction refers to a transaction performed in cooperation with a server (company server 4) managed by a company other than the financial institution. The specific transaction includes, for example, a transaction (for example, a transfer transaction or the like) that the ATM 1 acquires information held in the company server 4 and uses the information. In addition, for example, for specific transactions, a customer (user) enters into a contract (for example, a sales contract for goods, services, etc.) with a company using ATM1 (for example, a customer purchases goods, services, etc. through ATM1). The ATM 1 also obtains transfer information for paying the consideration to the company from the company server 4 and includes transactions using the transfer information.

  When ATM1 performs a specific transaction, ATM1 requests | requires the input of the specific information required in order to implement a specific transaction. When the specific information is input by the customer, the ATM 1 transmits request information including the specific information to the cooperation system 3.

  Here, the specific information is one or more pieces of information that specify a transaction between a customer (user) and a specific company. The specific information functions as information for specifying the specific company in which the user performs the transaction and information for specifying the information related to the transaction.

  In this embodiment, the case where specific information has two identification information of corporate ID and user ID is illustrated. The corporate ID is information for identifying a company in which the customer (user) conducts business, and the user ID is information for identifying the customer (user). The combination of the corporate ID and the user ID functions as information for specifying a transaction between the customer (user) and a specific company.

  In this embodiment, the specific information includes a corporate ID and a user ID, but the specific information may include other information.

  When the cooperation system 3 receives a request signal including specific information (corporate ID and user ID) from the ATM 1, based on the specific information of the request signal, the cooperation system 3 requests a user confirmation request (that is, a user confirmation request). , Request for confirmation of validity). And if the response to the effect that a user is correct is received from the company server 4, the cooperation system 3 will acquire the information which concerns on a transaction from the company server 4, and will transfer the information which concerns on the acquired transaction to ATM1.

  Here, the cooperation system 3 is a system that performs cooperation between an existing cash transaction service and a service provided by the company server 4, and for example, ESB (Enterprise Server Bus) can be applied.

  The company servers 4-1 to 4-N are servers managed by companies other than financial institutions. The enterprise servers 4-1 to 4-N use specific information (corporate ID and user ID) to check whether the user information is correctly registered, and when the user information is correctly registered, Information related to the transaction is transmitted to the linkage system 3.

  Each company opens an individual account in the financial institution, and information related to the transaction transmitted by the company server 4 includes individual account information of each company.

(A-1-2) Internal Configuration of ATM1 Control System FIG. 2 is an internal configuration diagram showing an internal configuration of the ATM1 control system according to the first embodiment.

  In FIG. 2, the ATM 1 according to the first embodiment includes a control unit 10, a transaction processing unit 11, an operation display unit 12, a first interface unit 13, and a second interface unit 14.

  The operation display unit 12 displays a transaction selection menu screen, a guidance screen related to the progress of the selected transaction, and the like. Further, the operation display unit 12 inputs information by a customer operation. For example, the operation display unit 12 inputs a transaction type selected by the customer or inputs information necessary for the transaction.

  More specifically, in the case of a normal transfer transaction, the operation display unit 12 displays the recipient's bank name, branch name, account type, account number, recipient's name, client's name, and transfer amount. Enter. Further, for example, when performing a specific transaction in cooperation with the company server 4, the operation display unit 12 inputs a corporate ID and a user ID as specific information.

  The first interface unit 13 is an interface that exchanges information with the network 51.

  The second interface unit 14 is an interface that exchanges information with the network 52.

  The control unit 10 controls functions implemented in the ATM 1. The control unit 10 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface unit, and the like, and various functions are realized by the CPU executing a processing program.

  The transaction processing unit 11 processes each transaction that can be executed by the ATM 1, such as a deposit transaction such as a deposit transaction, a withdrawal transaction such as a withdrawal transaction, and a transfer transaction. FIG. 2 shows a processing block in which the transaction processing unit 11 performs a specific transaction in cooperation with the company server 4.

  The specific transaction is started, for example, when the specific transaction is selected by the customer on the transaction menu screen of the operation display unit 12.

  2, the transaction processing unit 11 includes a specific information acquisition unit 111, a transfer information request unit 112, a transfer information extraction unit 113, a transfer transaction request unit 114, and a transfer transaction execution unit 115.

  The specific information acquisition unit 111 acquires the corporate ID and user ID as specific information input by the customer in the operation display unit 12. For example, when a specific transaction is selected by a customer on the transaction menu screen, an input screen for corporate ID and user ID as specific information is displayed on the operation display unit 12, and the corporate ID and user ID are input through the input screen of the warehouse. Is done.

  The transfer information request unit 112 requests the link system 3 for transfer information including specific information (corporate ID and user ID). Thereby, transfer information can be acquired from the company in which the customer (user) did the transaction.

  The transfer information extraction unit 113 extracts the transfer information from the information acquired from the cooperation system 3 in response to the transfer information request by the transfer information request unit 112. That is, the transfer information extraction unit 113 can extract the transfer information related to the transaction between the customer and the company from the company server 4.

  The transfer transaction request unit 114 creates a request message for the transfer transaction using the transfer information extracted by the transfer information extraction unit 113, and transmits the request message for the transfer transaction to the host computer 2. That is, the transfer transaction request unit 114 creates a request message for the transfer transaction using the transfer information from the company server 4 through the linkage system 3.

  Here, the transfer information from the company server 4 includes at least the bank name, branch name, account type, account number, recipient name, and client (customer) name of the recipient (company). The transfer information may include a transfer amount as necessary.

  In this way, the transfer information includes all or part of the items necessary for the transfer transaction. Therefore, as in the past, when the transfer information is manually input by the customer, an input error may occur, but by using the transfer information acquired from the company server 4, the error of the transfer information can be eliminated.

  The transfer transaction execution unit 115 executes a transfer transaction process in accordance with instructions from the host computer 2.

(A-1-3) Detailed Internal Configuration of Cooperation System 3 FIG. 3 is a configuration diagram showing a configuration of the cooperation system 3 according to the first embodiment.

  In FIG. 3, the cooperation system 3 according to the first embodiment includes a control unit 30, a storage unit 31, a first interface unit 32, and a second interface unit 33.

  The first interface unit 32 is an interface that exchanges information with the network 52.

  The second interface unit 33 is an interface that exchanges information with the network 53.

  The storage unit 31 stores cooperation management information. FIG. 4 is a configuration diagram illustrating a configuration example of cooperation management information according to the first embodiment.

  In FIG. 4, the cooperation management information according to the first embodiment is information in which at least the corporate ID is associated with the address information of the corporate server 4. Thereby, based on the corporate ID included in the transfer information request signal acquired from ATM1, the address information of the corporate server 4 requested by ATM1 can be searched.

  The control unit 30 governs the functions of the linkage system 3. The control unit 30 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface unit, and the like, and various functions are realized by the CPU executing a processing program.

  The control unit 30 includes a transfer information request acquisition unit 301, a cooperation destination search unit 302, and a cooperation processing unit 303. The control unit 30 performs data conversion between the communication data from the ATM 1 and the communication data from the company server 4, and performs a cooperation process between the ATM 1 and the company server 4. For example, the control unit 30 supports protocols such as HTTP and SOPA, and performs cooperation processing between the company server 4 and the ATM 1. Thereby, when the transfer information corresponding to the specific information including the corporate ID and the user ID is registered in the company server 4, the control unit 30 can transfer the transfer information acquired from the company server 4 to the ATM1. it can.

  The transfer information request acquisition unit 301 acquires a transfer information request signal including specific information (corporate ID and user ID) from the ATM 1.

  The cooperation destination search unit 302 extracts the specific information (corporate ID and user ID) included in the request signal acquired by the transfer information request acquisition unit 301 and stores it in the storage unit 31 based on the extracted specific information. The corresponding linkage destination is searched from the linked linkage management information.

  The cooperation processing unit 303 performs cooperation processing between the cooperation destination company server 4 searched by the cooperation destination search unit 302 and the ATM 1. That is, the cooperation processing unit 303 transmits a transfer information request signal including specific information (corporate ID and user information) to the company server 4 searched by the cooperation destination search unit 302. And if a response signal is received from the company server 4, the cooperation process part 303 will transfer the response signal from the company server 4 to ATM1.

(A-1-4) Detailed Internal Configuration of Enterprise Server 4 FIG. 5 is a configuration diagram showing the configuration of the enterprise server 4 according to the first embodiment.

  In FIG. 5, the enterprise server 4 according to the first embodiment includes a control unit 40, a storage unit 41, and an interface unit 42.

  The interface unit 42 is an interface that exchanges information with the network 53.

  The storage unit 41 stores transfer management information. FIG. 6 is a configuration diagram illustrating a configuration example of the transfer management information according to the first embodiment.

  In FIG. 6, the transfer management information according to the first embodiment includes at least a corporate ID, a user ID, a bank name, a branch name, an account type, an account number, an account name, and a transfer requester. If necessary, the transfer management information may include the transfer amount as an item. In this embodiment, the transfer amount is not included in the transfer management information.

  The control unit 40 manages the functions of the company server 4. The control unit 40 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface unit, and the like, and various functions are realized by the CPU executing a processing program.

  The control unit 40 includes a transfer information request acquisition unit 401, a user confirmation unit 402, a transfer information search unit 403, and a transfer information transmission unit 404.

  The transfer information request acquisition unit 401 acquires a transfer information request signal including specific information (corporate ID and user ID) from the cooperation system 3. The transfer information request acquisition unit 401 extracts specific information (corporate ID and user ID) included in the received request signal.

  Whether the user confirmation unit 402 has registered transfer information related to the user based on the transfer management information stored in the storage unit 41 and the corporate ID and user ID acquired by the transfer information request acquisition unit 401. Confirm whether or not. When the transfer information regarding the user is not registered, the user confirmation unit 402 transmits to the cooperation system 3 that the transfer information regarding the user is not registered.

  When the transfer information regarding the user is registered, the transfer information search unit 403 searches the transfer management information in the storage unit 41 for the corresponding transfer information based on the corporate ID and the user ID.

  The transfer information transmission unit 404 transmits a response signal including the transfer information searched by the transfer information search unit 403 to the cooperation system 3.

(A-2) Operation of the First Embodiment FIG. 7 is a flowchart showing the operation of processing in the ATM 1 according to the first embodiment.

  FIG. 8 is a sequence diagram showing an operation of transaction processing in the transaction system 9 according to the first embodiment.

  Below, the operation | movement of the transaction processing in the transaction system 9 which concerns on 1st Embodiment is demonstrated in detail, referring FIG.7 and FIG.8.

  First, in ATM1, a customer selects a specific transaction on a transaction menu screen displayed on the operation display unit 12 (S101). At this time, the operation display unit 12 displays a transaction menu screen including a normal transfer transaction (cash transfer) and a specific transaction (for example, a name such as “corporate pay”). select.

  An input screen of “corporate ID” and “user ID” is displayed on the operation display unit 12 of the ATM 1, and a corporate ID and a user ID are input by a customer operation (S102 and 103 in FIG. 7, S201 in FIG. 8). ). The corporate ID and user ID input screens may be different input screens or may be a single screen including two input units.

  In the transaction processing unit 11, the specific information acquisition unit 111 acquires specific information including the corporate ID and the user ID, and the transfer information request unit 112 transmits a transfer information request message including the corporate ID and the user ID to the cooperation system 3. (S104 in FIG. 7, S202 in FIG. 8).

  In the cooperation system 3, when the transfer information request acquisition unit 301 acquires the transfer information request message from the ATM 1, the corporate ID and the user ID included in the transfer information request message are extracted. And the cooperation destination search part 302 searches the address information of the corresponding company server 4 based on the extracted corporate ID and user ID with reference to the cooperation management information (FIG. 4) of the memory | storage part 31 (S203).

  The cooperation processing unit 303 converts the transfer information request message into a transfer information request signal. The cooperation processing unit 303 assigns the address information of the searched company server 4 to the transfer information request signal, and transmits the transfer information request signal to the cooperation destination company server 4 (S204). At this time, the transfer information request signal includes a corporate ID and a user ID as specific information.

  In the company server 4, the transfer information request acquisition unit 401 acquires the transfer information request signal, and the user confirmation unit 402 extracts specific information (corporate ID and user ID) included in the transfer information request signal, Based on the corporate ID and the user ID, the transfer management information (FIG. 6) is referred to and it is confirmed whether there is transfer information corresponding to the corporate ID and the user ID (S205).

  When the transfer information corresponding to the corporate ID and the user ID exists, it is determined that a specific transaction is being performed between the customer and the company.

  At this time, the ATM 1 and the enterprise server 4 start communication with each other via the cooperation system 3 (S105 in FIG. 7).

  Then, the transfer information search unit 403 in the company server 4 searches for transfer information corresponding to the corporate ID and the user ID from the transfer management information (FIG. 6) (S206), and transfers the transfer information corresponding to the corporate ID and the user ID. The transfer information response signal including this is transmitted to the cooperation system 3 (S207).

  When the transfer information response signal is received in the linkage system 3, the linkage processing unit 303 converts the transfer information response signal into a response message of transfer information and transmits the response message to ATM1 (S208).

  When there is no transfer information corresponding to the corporate ID and the user ID, it is determined that there is no transfer information, and the user confirmation unit 402 returns a message to that effect to the cooperation system 3. In this case, ATM 1 may display on the operation display unit 12 that there is no transfer information. Further, in ATM1, there is no transfer information, and the customer may be prompted to input the transfer information, or the specific transaction may be terminated.

  ATM1 receives the transfer information response message from the cooperation system 3 (S106). In ATM1, the transfer information extraction part 113 extracts transfer information from the transfer information response message received from the company server 4 through the cooperation system 3. FIG. At this time, in the ATM 1, the transfer information is displayed on the operation display unit 12 in order to confirm with the customer whether or not the content of the transfer information acquired from the company server 4 is correct. Then, the transfer information is confirmed by the customer operation on the operation display unit 12 (S107 in FIG. 7 and S209 in FIG. 8).

  For example, the transfer information from the company server 4 includes a bank name, a branch name, an account type, an account number, an account name, and a transfer requester. Accordingly, the operation display unit 12 displays the bank name, branch name, account type, account number, account name, and transfer requester (ie, customer name) of the company.

  When the transfer information is confirmed, the transfer transaction request unit 114 transmits a transaction inquiry request message including the transfer information acquired from the company server 4 to the host computer 2 (S108 in FIG. 7 and S210 in FIG. 8).

  The host computer 2 analyzes the transaction inquiry request message from the ATM 1 and transmits a transaction inquiry response message to the ATM 1 in response to the transaction inquiry request message (S211).

  In ATM1, when the transaction inquiry response message is received (S109 in FIG. 7), the operation display unit 12 displays the transfer amount input screen, and the transfer amount is input by the customer operation (S110 in FIG. 7, FIG. 8). S212). The transfer transaction execution unit 115 transmits a transaction execution request message including the transfer amount to the host computer 2 (S111 in FIG. 7 and S213 in FIG. 8).

  The host computer 2 analyzes the transaction execution request message including the transfer amount and transmits a transaction execution response message to the ATM 1 (S214 in FIG. 8). When ATM1 receives the transaction execution response message (S112 in FIG. 7), the operation display unit 12 displays the transaction result, the transaction result is confirmed by the customer, and the transaction ends (S113 in FIG. 7, S215 in FIG. 8). ).

  FIG. 9 is a flowchart showing a conventional transfer transaction processing operation in ATM1. In FIG. 9, processes that are the same as or correspond to the processes in FIG. 7 are denoted by the same reference numerals.

  As shown in FIG. 9, in the case of a conventional transfer transaction, as shown in S151 to S158, the company's bank name, branch name, account type, account number, account name, and transfer requester are individually entered as transfer information. There is a need to. Therefore, input mistakes by customers can occur.

  On the other hand, as shown in FIG. 7, in the case of the transfer transaction of this embodiment, since the input operation by the customer is reduced, a transaction inquiry request message including the transfer information received from the company server 4 with which ATM1 cooperates is displayed. It can be transmitted to the host computer 2. The host computer 2 analyzes the received transaction inquiry request message in the same manner as a conventional transaction, but the transfer information is not information input by hand. Therefore, incorrect information is not transmitted to the host computer 2. Further, unlike the prior art, there is no need to shift to re-input when there is an input error.

(A-3) Effect of First Embodiment As described above, according to the first embodiment, the cash transaction system can be linked with a company server other than a financial institution.

  Moreover, in the conventional transfer transaction, the customer had to manually input seven types of transfer information. However, according to the first embodiment, information to be input such as a corporate ID and a user ID is reduced. (For example, it becomes two types of information) Therefore, it is possible to avoid an input error.

  Furthermore, according to the first embodiment, it is possible to eliminate the trouble of the customer's operation in the ATM and to use the correct information acquired from the company server, thereby eliminating the correction of the transfer information and the repetition of the communication. .

(B) 2nd Embodiment Next, 2nd Embodiment of the transaction system which concerns on this invention, a cash processing apparatus, and a server is described in detail, referring drawings.

  The second embodiment exemplifies a transfer transaction in which an air ticket fee is paid in an ATM that exchanges messages with a host computer.

  In the second embodiment, it is assumed that the specific transaction is a transfer transaction in which an air ticket fee is paid. Further, it is assumed that the specific information is a ticket ID and a password related to ticket reservation (purchase).

  The overall configuration of the transaction system of the second embodiment is the same as the configuration shown in FIG. 1 of the first embodiment. The internal configurations of the ATM 1, the linkage system 3, and the company server 4 are the same as the configurations shown in FIGS. 2, 3, and 5 of the first embodiment.

  Since the specific information is a ticket ID and a password, the linkage management information of the linkage system 3 and the transfer management information of the company server 4 are a ticket ID and a password instead of the corporate ID and the user ID of the first embodiment.

  FIG. 10 is a flowchart showing an operation of processing in the ATM 1 according to the second embodiment.

  In FIG. 10, processes that are the same as or correspond to those in FIG. 7 of the first embodiment are denoted by the same reference numerals. The transaction processing sequence of the second embodiment is the same as the processing of FIG. 8 of the first embodiment.

  In FIG. 10, in ATM1, the customer selects a specific transaction on the transaction menu screen displayed on the operation display unit 12 (S301). At this time, the operation display unit 12 displays a transaction menu screen including a “price payment” transaction indicating payment for the ticket of the air ticket, and the customer selects payment.

  An input screen for “ticket ID” and “password” is displayed on the operation display unit 12 of the ATM 1, and a ticket ID and a password are input by a customer operation (S302 and S303). Here, the ticket ID may include information for identifying a company, such as a company such as “airline company A” and “airline company B”.

  In the transaction processing unit 11, the specific information acquisition unit 111 acquires specific information including a ticket ID and a password, and the transfer information request unit 112 transmits a transfer information request message including a ticket ID and a password to the cooperation system 3 (S304). ).

  In the cooperation system 3, when the transfer information request acquisition unit 301 acquires the transfer information request message from the ATM 1, the ticket ID and password included in the transfer information request message are extracted, and the cooperation destination search unit 302 uses the ticket ID as the ticket ID. Based on this, the address information of the corresponding company server 4 is searched (S203).

  The cooperation processing unit 303 converts the transfer information request message into a transfer information request signal, and transmits it to the cooperation destination company server 4 (S204). At this time, the transfer information request signal includes a ticket ID and a password as specific information.

  In the company server 4, the transfer information request acquisition unit 401 acquires the transfer information request signal, the user confirmation unit 402 extracts the specific information (ticket ID and password) included in the transfer information request signal, and the ticket Based on the ID and password, the transfer management information is referred to and it is confirmed whether or not there is transfer information (S205). When the transfer information exists, it is determined that a specific transaction is being performed between the customer and the company. The ATM 1 and the enterprise server 4 start communication with each other via the cooperation system 3 (S305).

  And the transfer information search part 403 in the company server 4 searches transfer information from transfer management information (S206), and transmits the transfer information response signal containing transfer information to the cooperation system 3 (S207).

  When the transfer information response signal is received in the linkage system 3, the linkage processing unit 303 converts the transfer information response signal into a response message of transfer information and transmits the response message to ATM1 (S208).

  ATM1 receives the transfer information response message from the cooperation system 3 (S306). In ATM1, the transfer information extraction part 113 extracts transfer information from the transfer information response message received from the company server 4 through the cooperation system 3. FIG. At this time, in the ATM 1, the transfer information is displayed on the operation display unit 12 in order to confirm with the customer whether the content of the transfer information acquired from the company server 4 is correct. Then, in the operation display unit 12, the transfer information is confirmed by a customer operation (S107, S209).

  When the transfer information is confirmed, the transfer transaction request unit 114 transmits a transaction inquiry request message including the transfer information acquired from the company server 4 to the host computer 2 (S108, S210). Note that the subsequent processing is omitted because a transfer transaction is executed between the ATM 1 and the host computer 2 as in the first embodiment.

  As described above, according to the second embodiment, in addition to the effects of the first embodiment, the following effects can be obtained.

  According to the second embodiment, for example, a purchaser of an air ticket can directly deposit money into an account of an airline company. Airline companies can collect money without partnering with a credit card company or a convenience store company.

(C) Other Embodiments Although various modified embodiments have been mentioned in the first and second embodiments described above, the present invention can also be applied to the following modified embodiments.

  (C-1) In the second embodiment, the transfer processing related to payment of airline ticket reservation (purchase) is illustrated by the company server holding the airline ticket transfer information. However, it is not limited to the transfer process of airline ticket reservation (purchase), but for payment of goods and services such as concert tickets, groceries, such as payment of services such as lectures, seminars and training in cram schools. Widely applicable.

  (C-2) In the first and second embodiments, only the case where the customer performs the transfer process in the ATM (cash processing apparatus) is illustrated. However, the ATM may communicate with the company server via the linkage system so that the product or service provided on the company server can be reserved or purchased. In that case, the cash processing apparatus obtains the transfer information from the company server via the linkage system described in the first and second embodiments following the operation of reservation / purchase of goods and services, and the transfer information. You may make it perform the transfer transaction using this with respect to a host computer.

9 ... Trading system, 1 ... ATM, 2 ... Host computer, 3 ... Cooperation system, 4 (4-1 to 4-N) ... Corporate server,
DESCRIPTION OF SYMBOLS 10 ... Control part, 11 ... Transaction processing part, 12 ... Operation display part, 13 ... 1st interface part, 14 ... 2nd interface part, 111 ... Specific information acquisition part, 112 ... Transfer information request part, 113 ... Transfer information extraction 114, transfer transaction request unit, 115 ... transfer transaction execution unit,
DESCRIPTION OF SYMBOLS 30 ... Control part, 31 ... Memory | storage part, 32 ... 1st interface part, 33 ... 2nd interface part, 301 ... Transfer information request | requirement acquisition part, 302 ... Cooperation destination search part, 303 ... Cooperation process part,
DESCRIPTION OF SYMBOLS 40 ... Control part, 41 ... Memory | storage part, 42 ... Interface part, 401 ... Transfer information request | requirement acquisition part, 402 ... User confirmation part, 403 ... Transfer information search part, 404 ... Transfer information transmission part.

Claims (6)

A cash processing system for processing transactions between the cash processing apparatus and the host computer;
One or more servers holding transaction information required for one or more predetermined transactions;
A conversion system that performs a conversion process of a communication signal between the electronic statement between the cash transaction apparatus and the server, and a cooperation system that performs a cooperation process between the cash transaction apparatus and each of the servers,
The cash processing device
Acquire transaction information necessary for the transaction from the server, corresponding to the specific information for identifying the transaction, via the cooperation system,
A transaction system for performing transaction processing with the host computer using a message containing transaction information necessary for the transaction.   2. The transaction system according to claim 1, wherein when a predetermined transaction is selected, the cash processing apparatus displays an input screen for specifying information for specifying the transaction, and acquires the specifying information. Transaction information necessary for the transaction obtained from the server includes transfer information related to the transaction,
The said cash processing apparatus includes the said transfer information acquired from the said server in the message | telegram via the said cooperation system, and transacts with the said host computer. The transaction system characterized by the above-mentioned. The server
A storage unit that holds, for each transaction, transaction management information that associates the specific information for identifying the transaction with the transaction information necessary for the transaction;
Based on the specific information acquired through the cooperation system, a transaction information search unit that searches for transaction information necessary for the transaction from the storage unit,
A transaction system comprising: a transaction information transmission unit configured to transmit the transaction information searched for by the transaction information searched by the transaction information search unit to the requesting cash processing apparatus via the cooperation system. In a cash processing apparatus that performs cash processing with a host computer,
A specific information acquisition unit for acquiring specific information for specifying a predetermined transaction;
A transaction information acquisition unit that acquires transaction information necessary for the transaction, corresponding to specific information for identifying the transaction, from a server that holds transaction information necessary for one or a plurality of predetermined transactions via the cooperation system; ,
A cash processing apparatus comprising: a transaction execution unit that performs a cash transaction with the host computer using a message including transaction information necessary for the transaction. A storage unit that holds, for each transaction, transaction management information that associates specific information that identifies one or more predetermined transactions with the transaction information necessary for the transaction;
Based on the specific information acquired via the cooperation system, a transaction information search unit that searches for transaction information necessary for the transaction from the storage unit,
A server comprising: a transaction information transmitting unit that transmits the transaction information required for the transaction searched by the transaction information searching unit to the requesting cash processing apparatus via the linkage system.

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