JP2019106003A - Terminal device, automatic teller machine, transfer processing method, and program - Google Patents

Abstract

To provide an automatic teller machine which enhances security of e-commerce settlements.SOLUTION: An automatic teller machine is configured to: acquire payment information, including at least settlement amount information and transfer destination information, from a payment information storage medium; acquire transfer amount-specifying information based on a transfer amount-specifying medium, a physical medium belonging to a transfer user using the machine, via a transfer amount reception unit of the machine; acquire identification information of the transfer user; perform authentication based on biometric information obtained by photographing the transfer user and biometric information associated with the identification information of the transfer user; and, upon successful authentication and successful acquisition of the transfer amount-specifying information based on the transfer-amount specifying medium, transmit a transfer request that includes the settlement amount information to a transfer destination indicated by the transfer destination information.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a terminal device, a cash dispenser, a transfer processing method, and a program.

  2. Description of the Related Art A technology of electronic commerce in which a portable terminal such as a PC or a smart phone accesses a web server of a commodity sales site connected to the Internet network based on user operation to make a user of the portable terminal purchase a commodity is widely used. In the technology of the electronic commerce, when a user operates a mobile terminal, a web page on which a product is posted is displayed on the display of the mobile terminal, and the user uses a credit card number for settlement to purchase the product. You will be asked to enter your account number, password, etc. A technique related to the present invention is disclosed in Patent Document 1. In the technology of Patent Document 1, a technology is disclosed that reduces the user's input at the time of transfer processing, prevents erroneous transfer, and enables the efficiency of continuous transfer.

Unexamined-Japanese-Patent No. 2006-323717

  In the above-mentioned electronic commerce, since it is required to input input information such as a credit card number for payment, bank account number, password, etc., when such input information leaks to another person, free goods purchase by a third party is permitted. And there was a problem with safety.

  Then, this invention aims at providing the terminal device which solves the above-mentioned subject, a cash dispenser, a transfer processing method, and a program.

  According to the first aspect of the present invention, the terminal apparatus receives from the payment information storage medium payment information including at least payment amount information and transferee information from the payment information storage medium; A transfer amount specifying information acquiring unit for acquiring transfer amount specifying information based on a transfer amount specifying medium which is a physical medium possessed by the transfer user using the own apparatus via the device, and user information obtaining for acquiring the identification information of the transfer user An authentication unit that performs authentication based on the unit, the biometric information obtained by photographing the transfer user, and the biometric information linked to the identification information of the transfer user, the authentication is successful, and the transfer amount is specified based on the transfer amount specifying medium And a transfer processing unit configured to transmit a transfer request including the payment amount information to a transfer destination indicated by the transfer destination information when the amount-of-money identification information can be acquired.

  According to the second aspect of the present invention, the cash dispenser has a payment information acquisition unit for acquiring payment information including at least settlement amount information and transferee information from the payment information storage medium, and a transfer amount provided to the own device. A transfer amount specifying information acquiring unit for acquiring transfer amount specifying information based on a transfer amount specifying medium which is a physical medium possessed by a transfer user using the own device via a depositing apparatus, and a user for acquiring the identification information of the transfer user An authentication unit that performs authentication based on an information acquisition unit, biometric information obtained by imaging the transfer user, and biometric information linked to identification information of the transfer user, and the authentication succeeds, based on the transfer amount specifying medium. And a transfer processing unit that transmits a transfer request including the payment amount information to a transfer destination indicated by the transfer destination information when the transfer amount specifying information can be acquired.

  According to the third aspect of the present invention, in the transfer processing method, the terminal device acquires payment information including at least payment amount information and transfer destination information from the payment information storage medium, and the transfer amount depositing device provided in the own device Acquiring the transfer amount specifying information based on the transfer amount specifying medium which is the physical medium possessed by the transfer user using the own apparatus, acquiring the identification information of the transfer user, and biometric information obtained by photographing the transfer user The authentication is performed based on the biometric information linked to the identification information of the transfer user, and when the authentication is successful and the transfer amount specifying information can be acquired based on the transfer amount specifying medium, the payment amount information is It is characterized in that the transfer request including the transfer request is transmitted to the transfer destination indicated by the transfer destination information.

  According to the fourth aspect of the present invention, the program is provided in the payment information acquisition means for the computer of the terminal device to acquire payment information including at least payment amount information and transferee information from the payment information storage medium, and the own device. Transfer amount specifying information acquiring means for acquiring transfer amount specifying information based on a transfer amount specifying medium which is a physical medium possessed by a transfer user using the own apparatus via a transfer amount depositing apparatus, acquiring identification information of the transfer user User information acquisition means, authentication means for performing authentication based on biometric information obtained by imaging the transfer user and biometric information linked to identification information of the transfer user, the authentication is successful, and the transfer amount specifying medium is used to As transfer processing means for transmitting a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specific information can be acquired Characterized in that to ability.

  According to the present invention, payment for product purchase is made without inputting input information such as a credit card number, bank account number, password, etc. on the payment start web page transmitted from the web server of the product sales site and displayed on the terminal. It can be carried out.

It is a figure showing an outline of a transfer system by one embodiment of the present invention. FIG. 5 illustrates a portion of an automated teller machine interface in accordance with an embodiment of the present invention. It is a hardware block diagram of the control apparatus of the cash dispenser according to one embodiment of the present invention. FIG. 2 is a functional block diagram of a control device according to an embodiment of the present invention. It is a figure showing the processing flow of the transfer system by one embodiment of the present invention. It is a figure which shows the minimum structure of the control apparatus with which the cash dispenser according to one embodiment of the present invention is equipped.

Hereinafter, a transfer system provided with a cash dispenser according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram showing an outline of a transfer system provided with an automatic teller machine according to the same embodiment.
As shown in this figure, the money transfer system 100 includes at least an automatic teller machine 1 and a settlement system 2 which are examples of a terminal device. The cash dispenser 1 includes a first camera 51 that captures the face of the transfer user who is the transferee, and a transfer user, and from the information, includes the back of the user and both sides of the user within the angle of view Two cameras 52 may be provided. The payment system 2 may be communicably connected via the cash dispenser 1 and the dedicated server 5 or directly. The settlement system 2 cooperates with the web server of the product sales site to exhibit the function of electronic commerce. The cash dispenser 1 may be communicatively connected to the bank system 4 via the dedicated server 5 or directly.

FIG. 2 is a diagram showing a part of the interface of the cash dispenser.
As shown in FIG. 2, the cash dispenser 1 has a main display 11, an NFC (Near field communication) antenna 12, a small display 13, a code reader 14, a third camera 15, a coin slot 16, a card slot 17, and a receipt box. An outlet 18 and the like are provided. Although not shown in FIG. 2, the cash dispenser 1 has a sub-display, a speaker, a numeric keypad provided above the main display 11 in addition to the first camera and the second camera described above as other hardware configurations. , Etc., but the detailed description thereof is omitted for the convenience of the description. The code reader 14 and the NFC antenna 12 are an aspect of the code reader.

An operation guidance screen or the like is displayed on the main display 11.
The NFC antenna 12 is built in a horizontal pedestal 91 provided below the main display 11.
The small display 13 is provided on the horizontal pedestal surface of the horizontal pedestal 91. The small display 13 displays a guide screen for placing an IC card or the like on the horizontal pedestal 91.
The code reader 14 reads a paper medium placed on the pedestal surface of the horizontal pedestal 91 and code information displayed by the portable terminal 3. The code information may be a barcode, a two-dimensional code or the like.
The third camera 15 photographs an object to be photographed such as a card placed on the pedestal surface of the horizontal pedestal 91.
In the present embodiment, the coin insertion slot 16 is an insertion slot into which a bill is inserted.
The card insertion slot 17 draws in a credit card, a bank card, and other IC cards, and discharges the card after processing based on the information recorded in the cards is completed.
The receipt discharge port 18 discharges the receipt on which the processing result and the like are printed.

FIG. 3 is a hardware block diagram of a control device of the cash dispenser.
As shown in the figure, the control device 10 includes a central processing unit (CPU) 10-1, a read only memory (ROM) 10-2, a random access memory (RAM) 10-3, and a solid state drive (SSD) 10-4. It is a computer provided with each hardware of communication module 10-5 grade | etc.,. The control device 10 controls each hardware described above.

FIG. 4 is a functional block diagram of the control device.
The control device 10 is activated when the cash dispenser 1 is powered on, and executes a management program stored in advance. Thus, the control device 10 includes functional units such as the control unit 101, the payment information acquisition unit 102, the transfer amount specifying information acquisition unit 103, the user information acquisition unit 104, the authentication unit 105, the transfer processing unit 106, and the like.
The control unit 101 performs control of other functional units in addition to control of the conventional cash dispenser 1.
The payment information acquisition unit 102 acquires payment information including at least payment amount information and transferee information from the payment information storage medium. The payment information storage medium is a paper medium such as a payment slip on which code information corresponding to the payment information is printed, a portable terminal 3 for storing the payment information, and the like.
The transfer amount specifying information acquisition unit 103 acquires transfer amount specifying information based on a transfer amount specifying medium which is a physical medium possessed by a transfer user using the own machine via the transfer amount depositing device provided in the cash dispenser 1. . The money transfer deposit apparatus uses the money insertion slot 16, the NFC antenna 12, and the IC card drawn in from the card insertion slot 17 to request the bank system 4 to debit the user's account such as a transfer user from the cash dispenser 1 Devices provided in Further, the transfer amount specifying medium may be a bill itself, or an IC card or another NFC card issued when the bank account is opened.
The user information acquisition unit 104 acquires identification information of a transfer user who uses the own apparatus. The identification information of the transfer user, the portable terminal 3, the IC card or the like may be read.
The authentication unit 105 performs authentication based on the biometric information acquired by the own device from the transfer user and the biometric information recorded in advance in association with the identification information of the transfer user. In the present embodiment, the biometric information indicates face images or feature information of face images, but biometric information such as a fingerprint or glow may be used.
When the authentication is successful and the transfer amount specifying information can be acquired based on the transfer amount specifying medium, the transfer processing unit 106 transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information.
The transfer destination is the payment system 2 or the bank system 4.

  The user uses the portable terminal 3 to access the web page of the merchandise sales site provided by the web server function of the payment system 2 and performs the purchase operation of the goods in the web page displayed on the portable terminal 3. At this time, the portable terminal 3 transmits a purchase request to the settlement system 2 of the product sales site. When the payment system 2 receives the purchase request, it generates code information of payment information including at least payment amount information of the purchased product specified from the purchase request, payee information, and payee information. The code information is information of a barcode or a two-dimensional code. The payment system 2 transmits this code information to the portable terminal 3. The user of the portable terminal 3 (transfer amount specifying medium), which is a physical medium possessed by the transfer user who uses the own apparatus, causes the portable terminal 3 to display code information and causes the code reader 14 of the cash dispenser 1 to read it. Alternatively, when the portable terminal 3 is a terminal having an NFC function, the NFC antenna 12 of the payment system 2 may read the information. The cash dispenser 1 uses the first camera 51 to capture a face image of the transfer user. When the authentication based on the face image of the transfer user is successful, the automated teller machine 1 uses the acquired code information and the money (transfer amount specifying medium) received from the money insertion slot 16 or the like. Perform the transfer process. Alternatively, the cash dispenser 1 performs the transfer process using the acquired code information and the money information electronically read from the transfer amount specifying medium. As a result, the user can proceed with the settlement of the purchased product without inputting the input information such as the credit card number, the bank account number, and the password on the settlement screen displayed on the portable terminal 3 by accessing the settlement system 2.

FIG. 5 is a diagram showing a processing flow of the money transfer system according to the present embodiment.
Next, the processing flow of the transfer system will be described.
The settlement system 2 acquires a purchase request from the web server function that provides the product sales site (step S501). The purchase request includes payment amount information, transferee information, the ID of the user, the ID of the purchased product, and the like. The settlement system 2 generates code information corresponding to payment information including at least the payment amount information, the transferee information, and the transferee information of the purchased product specified from the purchase request (step S502). In the present embodiment, the transfer source information may be an ID of a user who purchases a product. The settlement system 2 transmits settlement instruction information including code information to the portable terminal 3 (step S503). The portable terminal 3 receives the settlement instruction information. The payment system 2 may transmit payment instruction information as a web page, or may store the payment instruction information in a mail address for transmission. Alternatively, the settlement system 2 may transmit the URL to the web page displaying the settlement instruction information to the portable terminal 3. The settlement instruction information includes a guidance sentence. The guidance text includes a text that instructs the cash dispenser 1 to read the code information and perform the transfer process. The portable terminal 3 may be a portable terminal 3 owned by the user who has purchased the product, or may be a portable terminal 3 owned by a third party. The user may select or input information for specifying the portable terminal 3 in the selection field or the input field of the portable terminal 3 as the transmission destination of the payment instruction information in the web page transmitted from the web server of the product sales site. This information may be notified to the settlement system 2 and the settlement instruction information may be transmitted to the portable terminal 3 desired by the user. Hereinafter, the user who holds the portable terminal 3 of the transmission destination of the payment instruction information is referred to as a transfer user.

  The transfer user displays settlement instruction information on the portable terminal 3 and confirms the guidance text, and then goes to the nearest store where the automated teller machine 1 is installed. The transfer user displays the payment instruction information on the display of the portable terminal 3. The settlement instruction information includes the two-dimensional code generated by the settlement system 2. Among the plurality of icon buttons displayed on the main display 11 of the cash dispenser 1, the transfer user touches the icon button for transfer processing. The main display 11 includes a touch sensor. Thus, the control unit 101 determines to start the transfer process (step S504). The control unit 101 instructs the payment information acquisition unit 102 and the user information acquisition unit 104 to start processing.

  The payment information acquisition unit 102 performs payment information acquisition control on the NFC antenna 12, the small display 13, the code reader 14, and the like (step S505). In the payment information acquisition control, the payment information acquisition unit 102 activates, for example, the code reader 14, and the display on which the two-dimensional code of the portable terminal 3 is displayed on the small display 13 faces upward on the pedestal surface of the horizontal pedestal 91. Display a guidance screen for instructing placement. The transfer user places the display of the portable terminal 3 upward on the horizontal pedestal 91. The code reader 14 reads the two-dimensional code displayed on the portable terminal 3. The code reader 14 transmits code information included in the read two-dimensional code to the payment information acquisition unit 102.

  The transfer user may perform transfer by printing the code information included in the payment instruction information. The paper medium on which the code information is printed is an aspect of the transfer slip. The payment information acquisition unit 102 displays a guidance screen instructing the two-dimensional code printed on the transfer slip to be placed upward on the pedestal surface of the horizontal pedestal 91. The transfer user places the printed two-dimensional code upward on the horizontal pedestal 91. The code reader 14 reads the two-dimensional code printed on the transfer slip. The code reader 14 transmits code information included in the read two-dimensional code to the payment information acquisition unit 102.

  The payment information acquisition unit 102 may acquire code information by other payment information acquisition control. For example, the portable terminal 3 has an NFC function. Therefore, the payment information acquisition unit 102 activates, for example, the NFC antenna 12 and causes the small display 13 to display a guidance screen instructing to place the surface provided with the NFC function of the portable terminal 3 on the pedestal surface of the horizontal pedestal 91. . The transfer user places the face of the portable terminal 3 provided with the NFC function on the base face and places the face. The NFC antenna 12 wirelessly reads the two-dimensional code displayed on the portable terminal 3. The NFC antenna 12 transmits code information included in the read two-dimensional code to the payment information acquisition unit 102.

  The payment information acquisition unit 102 may acquire part of the information included in the payment information from the ten keys of the cash dispenser 1. For example, a transaction number for specifying transfer source information included in payment information may be acquired from the ten key.

  Note that the payment information acquisition unit 102 may perform any of the above-described payment information acquisition controls, or simultaneously execute the plurality of payment information acquisition controls, and a code from either the NFC antenna 12 or the code reader 14 When information is received, the payment information acquisition control may be ended.

  The payment information acquisition unit 102 acquires code information (step S506). Then, the payment information acquisition unit 102 outputs the code information to the transfer processing unit 106. The payment information acquisition unit 102 also notifies the control unit 101 of the end of the payment information acquisition control.

  The above-described user information acquisition unit 104 acquires user identification information for identifying a user in parallel with the process by the payment information acquisition unit 102 or after the process is completed (step S507). The user identification information may acquire code information from the payment information acquisition unit 102 and may specify user identification information included in the code information, or may acquire user identification information from the ten key based on user input of the ten key. May be Alternatively, based on the transaction number input from the ten key, the user information acquisition unit 104 inquires of the payment system 2 through the dedicated server 5 about user identification information corresponding to the transaction number, and as a result, the returned user identification information You may get The user identification information referred to here is identification information for identifying the user who has purchased the product by the settlement system 2, and therefore, identification information of the user managed by the automated teller machine 1 may be acquired in advance. For example, the payment information acquisition unit 102 may acquire a face image of the transfer user captured by the first camera 51, and may acquire feature information of the face image or user identification information calculated using the feature information. The user information acquisition unit 104 transmits an authentication request including user identification information, a face image, and feature information of the face image to the dedicated server 5 (step S508). When the first camera 51 captures a face image of the transfer user, the user information acquisition unit 104 may control the main display 11 to output a guidance screen to start capturing. As a result, a guidance screen is output to the main display 11. The guidance screen is video information that stands in front of the cash dispenser 1 and urges the first camera 51 to look at it. The user information acquisition unit 104 may output a guidance voice corresponding to the video information from the speaker.

  The dedicated server 5 performs authentication using the user identification information, the face image, and the feature information of the face image included in the authentication request. The authentication may be a process of determining whether the face image stored in a database or the like in advance and its feature information match the face image included in the authentication request and the result of comparison between the face image and its feature information. A match means authentication success, and a mismatch means authentication failure. Alternatively, the authentication may be processing of recording user identification information, a face image, and feature information included in the authentication request in a database. When the user identification information, the face image, and the feature information are recorded in the database, the dedicated server 5 associates the payment information further included in the authentication request and records the information in the database, whereby the transfer user who made the transfer It is possible to create a situation where you can confirm later that you made the transfer. In this case, the fact that the face image has been confirmed to be a photographed image of the face facing the camera and the recording of the information related to the face image means that the authentication is successful. The dedicated server 5 transmits the authentication result indicating the authentication success or the authentication failure to the cash dispenser 1.

  When acquiring the authentication result indicating the authentication success, the authentication unit 105 outputs the authentication result to the transfer processing unit 106. The authentication unit 105 also notifies the control unit 101 of the end of the authentication process. When the authentication result indicates that the authentication is unsuccessful, the control unit 101 outputs a notification screen notifying the transfer user that transfer is not possible. When the transfer user recognizes the late sound that can not be transferred, the user makes the portable terminal 3 access the product sales site and performs an operation to try the settlement by another method. When the authentication result indicates that the authentication is successful, the control unit 101 instructs the transfer amount specifying information acquisition unit 103 to start the process.

  The transfer amount specification information acquisition unit 103 performs transfer amount specification information acquisition control on the main display 11 and the money insertion slot 16 (step S509). In the transfer amount specification information acquisition control, the transfer amount specification information acquisition unit 103 performs control to control the door of the money insertion slot 16 from closing to opening. Further, the transfer amount specifying information acquisition unit 103 displays on the main display 11 a guidance screen for guiding to insert money (a bill or a coin) as an example of the transfer amount specifying medium in the money insertion slot 16. The money insertion slot 16 detects that money has been inserted, counts the amount of money inserted, and outputs transfer amount specifying information indicating the total amount of the amount to the transfer amount specifying information acquisition unit 103.

  The transfer amount specifying information acquisition unit 103 may obtain transfer amount specifying information by other transfer amount specifying information acquisition control. For example, the transfer amount specification information acquisition unit 103 activates the NFC antenna 12 and outputs a payment instruction including the payment amount to the NFC antenna 12. An IC card as an example of a transfer amount specifying medium in which electronic money information (which may be point information that can be converted into amount or information on encrypted currency) may be stored in the NFC antenna 12 as an example of a transfer amount specifying medium. The main display 11 displays a guidance screen instructing the user to The transfer user transfers the IC card to the NFC antenna 12. The NFC antenna 12 performs a deposit process for acquiring the payment amount included in the deposit instruction from the IC card. The deposit process itself may be performed by a known technique. The NFC antenna 12 outputs the transfer amount specifying information indicating the payment amount to the transfer amount specifying information acquiring unit 103. Note that the transfer amount specifying information obtaining unit 103 may perform any of the above-described transfer amount specifying information obtaining controls, and by simultaneously performing a plurality of transfer amount specifying information obtaining controls, the money insertion slot 16 or NFC When the transfer amount specifying information is received from any of the antennas 12, the transfer amount specifying information acquisition control may be ended. The transfer user may insert an IC card issued from a bank when an account is opened as an example of the transfer amount specifying medium.

  The transfer amount specifying information acquisition unit 103 acquires transfer amount specifying information (step S510). The transfer amount specifying information acquisition unit 103 outputs the transfer amount specifying information to the transfer processing unit 106. Further, the transfer amount specifying information acquiring unit 103 notifies the control unit 101 of the end of the transfer amount specifying information acquisition control. Next, the control unit 101 instructs the money transfer processing unit 106 to start processing.

  The transfer processing unit 106 reads payment amount information, transfer destination information, and transfer source information from the code information. If the authentication result is authentication success and the amount of money indicated by the transfer amount specifying information acquired in step S510 is equal to or more than the amount indicated by the payment amount information included in the code information acquired in step S506, the transfer processing unit 106 Start processing In the transfer process, the transfer processing unit 106 transmits a transfer request including at least the payment amount information, the transfer destination information, and the transfer source information acquired from the code information to the bank system 4 (step S511). The bank system 4 performs the transfer process using the payment amount information, the transfer destination information, and the transfer source information. Specifically, the bank system 4 transfers the amount indicated by the payment amount information to the account number indicated by the transfer destination information. In this case, the bank system 4 performs the transfer process using information such as the account number of the transfer user, and the payment amount information corresponding to the money transferred in the cash dispenser 1, without passing through the deposit process to the account. be able to. As a result, even if the transfer user does not open a bank account, it is possible to transfer the settlement amount of the product purchased at the product sales site. The transfer source information may be the name, ID, etc. of the user who has made a purchase request from the web server of the product sales site.

  The transfer source information may be the account number of the bank of the user who has made the purchase request from the web server of the product sales site. In this case, the bank system 4 transfers the payment amount to the transfer destination indicated by the transfer destination information by subtracting the amount indicated by the payment amount information from the deposit of the account number of the user who made the purchase request from the web server of the product sales site. May be

  The transfer processing unit 106 may transfer the payment amount directly to the payment system 2 managed by the operator or the like of the product sales site instead of the bank system 4. Specifically, in the transfer process, the transfer processing unit 106 specifies the network address of the payment system 2 based on the transfer destination information acquired from the code information acquired in step S506. The network address is stored in a dedicated server in the cash dispenser 1, and may be specified by the stored information, or may be stored in advance by the own device. The transfer processing unit 106 transmits a transfer request including at least the payment amount information acquired from the code information and the transfer source information to the identified payment system 2. The settlement system 2 reads the settlement amount information and the transfer source information from the transfer request. The settlement system 2 updates the unsettled information stored in association with the transfer source information to the completion of the settlement using the settlement amount information read from the transfer request. Also in this case, similarly, the transfer process is performed using information such as the account number of the transfer user, or the payment amount information corresponding to the money transferred in the automated teller machine 1 without passing through the deposit process to the account. Can. As a result, even if the transfer user does not open a bank account, it is possible to transfer the settlement amount of the product purchased at the product sales site.

  When the settlement is completed, the bank system 4 and the settlement system 2 transmit the settlement completion to the cash dispenser 1. The transfer processing unit 106 of the cash dispenser 1 performs control to discharge a receipt indicating the end of settlement from the receipt discharge port 18 (step S512).

  According to the above process, the user accesses the web server of the product sales site and displays the purchased product without entering the input information such as the credit card number, the bank account number, and the password on the determination screen displayed on the portable terminal 3 The settlement can be performed using an automatic teller machine 1. Further, even if the transfer user does not open a bank account, it is possible to transfer the settlement amount of the product purchased at the product sales site. Since the cash dispenser 1 is secured by the unique network and the exclusive design, the user can enjoy the settlement service in the protected environment. Also, by physically paying the necessary amount of payment every time a product is purchased, the leakage of credit card numbers, bank account numbers, passwords, etc. is reduced even in the event of fraud damage, so the damage scale Can be limited. After performing the above-described transfer process, the automatic teller machine 1 may transmit to the settlement system 2 a consideration request including the consideration for the transfer process. As a result, it is possible to anticipate new services using the cash dispenser 1 and revenue from the services.

  In the above process, payment information is stored in code information and transmitted from the payment system 2 to the portable terminal 3. In another embodiment, the payment system 2 may transmit payment information and payment identification information to the dedicated server 5, and the dedicated server 5 may store payment information linked to payment identification information. In this case, the transfer user inputs payment identification information for specifying payment information to the automatic teller machine 1 using the portable terminal 3, the IC card, the numeric keypad, the first camera 51 and the like. The payment identification information may be any information such as a number or a symbol for specifying payment information, a character string, a face image, feature information of a face image, other biometric information, and the like. The payment identification information may be information transmitted to the portable terminal 3 by any method, and may be information registered in the dedicated server 5 at the time of member registration by the user who has purchased the product, biometric information of the user who has purchased the product, or the like. In this case, the payment information acquisition unit 102 of the cash dispenser 1 transmits a payment information acquisition request including settlement identification information to the dedicated server 5. Based on the payment information acquisition request, the dedicated server 5 transmits payment information to be stored in the database in association with the payment identification information to the automated teller machine 1. The cash dispenser 1 may perform the transfer process using the payment information.

FIG. 6 is a diagram showing a minimum configuration of a control device provided in the cash dispenser.
As shown in the figure, the control device 10 provided in the cash dispenser 1 includes at least a payment information acquisition unit 102, a transfer amount specifying information acquisition unit 103, a user information acquisition unit 104, an authentication unit 105, and a transfer processing unit 106. Just do it.

  Although the above explanation is made using the cash dispenser 1, the cash dispenser 1 is an example of a terminal device, and a terminal device other than the cash dispenser 1 is the above-mentioned cash dispenser 1. The same processing may be performed with the same configuration as in FIG. In this case, the terminal device includes the control device 10 described above.

  The cash dispenser 1 described above has a computer system inside. And the process of each process mentioned above is memorize | stored in the computer readable recording medium in the form of a program, and the said process is performed when a computer reads and runs this program. Here, the computer readable recording medium refers to a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory or the like. Alternatively, the computer program may be distributed to a computer through a communication line, and the computer that has received the distribution may execute the program.

  Further, the program may be for realizing a part of the functions described above. Furthermore, it may be a so-called difference file (difference program) that can realize the above-described functions in combination with a program already recorded in the computer system.

1 ... cash dispenser 2 ... settlement system 3 ... mobile terminal 4 ... bank system 5 ... dedicated server 51 ... first camera 52 ... second camera 10 ... Control device 11 ... Main display 12 ... NFC antenna 13 ... Small display 14 ... Code reader 15 ... Third camera 16 ... Money slot 17 ... Card slot 18 ... -Receipt discharge port 101-Control unit 102-Payment information acquisition unit 103-Transfer amount specific information acquisition unit 104-User information acquisition unit 105-Authentication unit 106-Transfer processing unit

According to the first aspect of the present invention, the terminal device receives the payment information including at least the payment amount information and the transferee information from the payment information storage medium, the payment information acquiring unit, the transfer amount depositing device, and the own device. a transfer amount specifying information acquisition unit that acquires the amount of transfer specific information based on the amount of transfer specific medium is a physical medium that possession of the transfer the user using the own device via the transfer amount depositing apparatus provided in the identification of the transfer user A user information acquisition unit for acquiring information and outputting guidance for starting acquisition of biometric information of the transfer user and guidance information for instructing a predetermined operation regarding acquisition of the biological information, and the transfer according to the output of the guidance information An authentication unit that performs authentication based on biometric information obtained by photographing a user and biometric information linked to identification information of the transfer user, and the authentication succeeds, and based on the transfer amount specifying medium If the serial transfer amount specifying information has been obtained, characterized in that it and a transfer processing unit for transmitting a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information.

According to a second aspect of the present invention, a cash dispenser, a payment information acquisition unit for acquiring payment information including at least settlement amount information and transferee information from a payment information storage medium, a transfer amount deposit apparatus, a transfer amount specifying information acquisition unit that acquires the amount of transfer specific information based on the amount of transfer specific medium is possessed physical media transfer user using the own device via the transfer amount depositing apparatus provided in its own device, the transfer user A user information acquisition unit for acquiring identification information of the transfer information, guidance for starting acquisition of biometric information of the transfer user, and guidance information for instructing a predetermined operation concerning acquisition of the biometric information, and output of the guidance information according to the output of the guidance information An authentication unit for performing authentication based on the biometric information obtained by photographing the transfer user and the biometric information linked to the identification information of the transfer user; If was acquired the transfer amount specified information is already there, characterized in that it and a transfer processing unit for transmitting a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information.

According to the third aspect of the present invention, in the transfer processing method, the terminal device provided with the transfer amount deposit apparatus acquires payment information including at least payment amount information and transfer destination information from the payment information storage medium, get the transfer amount specification information via said transfer amount credited device included in the apparatus based on the amount of transfer specific medium is possessed physical media transfer user using the own device, acquires identification information of said transfer user, wherein The guidance of the transfer user's acquisition start of the biometric information and the guidance information for instructing a predetermined operation concerning the acquisition of the biometric information are outputted, and the biometric information of the transfer user taken according to the output of the guidance information and the transfer user's Authentication is performed based on biometric information linked to identification information, the authentication is successful, and the payment amount specification information can be acquired based on the transfer amount specification medium, the payment amount And transmits a transfer request including a multicast to transfer destination indicated by the transfer destination information.

According to a fourth aspect of the present invention, a program acquires payment information including at least payment amount information and payment destination information from a payment information storage medium, of a computer of a terminal device provided with a payment amount deposit apparatus. acquisition means, transfer amount specifying information acquisition means for acquiring the amount of transfer specific information based on the amount of transfer specific medium is possessed physical media transfer user using the own device via the transfer amount depositing apparatus provided in the own device, the User information acquisition means for acquiring the identification information of the transfer user, outputting guidance of acquisition start of the biological information of the transfer user and guidance information for instructing a predetermined operation regarding acquisition of the biological information, and according to the output of the guidance information authenticating means for performing authentication based on the string brute biometric information to the identification information of the transfer user and biometric information capturing said transfer user Te, the authentication is successful When the transfer amount specifying information can be acquired based on the transfer amount specifying medium, it functions as a transfer processing means for transmitting a transfer request including the payment amount information to a transfer destination indicated by the transfer destination information. I assume.

Claims (9)

A payment information acquisition unit for acquiring payment information including at least payment amount information and transferee information from a payment information storage medium;
A transfer amount specifying information acquiring unit for acquiring transfer amount specifying information based on a transfer amount specifying medium which is a physical medium possessed by a transfer user using the own apparatus via a transfer amount depositing apparatus provided in the own apparatus;
A user information acquisition unit that acquires identification information of the transfer user;
An authentication unit that performs authentication based on biometric information obtained by imaging the transfer user and biometric information associated with identification information of the transfer user;
And a transfer processing unit that transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the authentication is successful and the transfer amount specifying information can be acquired based on the transfer amount specifying medium. ,
Terminal equipment equipped with Equipped with a code reader,
The terminal device according to claim 1, wherein the payment information acquisition unit acquires the payment information included in code information read by the code reading device. The code reader
The terminal device according to claim 2, wherein the code information displayed on the display of the portable terminal is read. The code reader
The terminal device according to claim 2, wherein the code information printed on a paper medium is read. The payment information includes the transfer source information,
The transfer processing unit
The terminal apparatus according to any one of claims 1 to 4, wherein the transfer request including at least the payment amount information, the transfer destination information, and the transfer source information is transmitted to a bank system connected by communication. The payment information includes the transfer source information,
The transfer processing unit
The payment system according to any one of claims 1 to 4, wherein the payment request including at least the payment amount information and the payment source information is transmitted to the payment system of the payment destination connected in communication corresponding to the payment destination information. Terminal equipment. A payment information acquisition unit for acquiring payment information including at least payment amount information and transferee information from a payment information storage medium;
A transfer amount specifying information acquiring unit for acquiring transfer amount specifying information based on a transfer amount specifying medium which is a physical medium possessed by a transfer user using the own apparatus via a transfer amount depositing apparatus provided in the own apparatus;
A user information acquisition unit that acquires identification information of the transfer user;
An authentication unit that performs authentication based on biometric information obtained by imaging the transfer user and biometric information associated with identification information of the transfer user;
And a transfer processing unit that transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the authentication is successful and the transfer amount specifying information can be acquired based on the transfer amount specifying medium. ,
ATM with cash machine. The terminal device is
Acquire payment information including at least payment amount information and transferee information from the payment information storage medium,
The transfer amount specifying information based on the transfer amount specifying medium, which is a physical medium owned by the transfer user using the own device, is acquired via the transfer amount depositing device provided in the own device.
Acquire identification information of the transfer user,
The authentication is performed on the basis of the biometric information obtained by photographing the transfer user and the biometric information linked to the identification information of the transfer user.
The transfer processing method transmits the transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the authentication is successful and the transfer amount specifying information can be acquired based on the transfer amount specifying medium. The terminal computer is
Payment information acquisition means for acquiring from the payment information storage medium payment information including at least payment amount information and transferee information;
Transfer amount specifying information acquiring means for acquiring transfer amount specifying information based on a transfer amount specifying medium which is a physical medium possessed by a transfer user using the own device through the transfer amount depositing device provided in the own device
User information acquisition means for acquiring the identification information of the transfer user;
An authentication unit configured to perform authentication based on biometric information obtained by photographing the transfer user and biometric information linked to identification information of the transfer user;
Transfer processing means for transmitting a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the authentication is successful and the transfer amount specifying information can be acquired based on the transfer amount specifying medium.
A program to function as

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