JP2020017306A - Transaction system, atm, server, transaction method, and program - Google Patents

Abstract

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

Description

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

  ATMs are installed not only at stores of financial institutions such as banks, but also at stores such as supermarkets and convenience stores, and provide users with various transaction services such as depositing and withdrawing cash.

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

  Patent Document 2 discloses an automatic cash transaction system that does not require a cash card, but allows a cash automatic transaction device to deposit and withdraw money by carrying only a mobile phone.

JP 2009-245272 A JP 2003-123126 A

  The entire disclosure content of the above patent documents is incorporated herein by reference. The following analysis has been made by the present inventors.

  When depositing and withdrawing an account of a financial institution such as a bank via an ATM, a user inserts and deposits a cash card issued by a bank into the ATM. However, it is inconvenient for a user to carry a plurality of cash cards issued for each financial institution or account, and there is a risk of losing the card. In addition, some business companies, such as money transfer companies, which have been increasing in recent years, have a need to quickly provide services to users by omitting card issuance itself. Thus, in the transaction service via the ATM, there is a need to eliminate the need for the user to carry the card and issue the card by the financial institution.

  For example, Patent Literatures 1 and 2 disclose a technique for responding to such a demand. When depositing and withdrawing via an ATM, instead of a card issued by a financial institution, a mobile terminal (mobile phone, smartphone, etc. There has been proposed a technique for confirming that a user who owns a terminal actually exists in front of an ATM by using a “terminal”.

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

  On the other hand, in the automatic cash transaction system described in Patent Document 2, a server at a financial institution transmits a transaction number to a user terminal, and the user manually inputs a transaction number to an ATM. According to this system, it takes time to exchange the transaction number issued by the server between the server and the terminal of the user, so that the quality of experience of the user may be reduced similarly to the system described in Patent Document 1. . Further, according to such a system, the user needs to manually input the transaction number, and the user is required to perform a complicated input operation.

  Therefore, it is an issue to realize a high-speed cardless transaction via the ATM without significantly modifying the ATM. An object of the present invention is to provide a transaction system, an ATM, a server, a transaction method, and a program that contribute to solving the problem.

  A transaction system according to a first aspect of the present invention includes an ATM and a first server that manages an account related to a transaction performed by a user via the ATM. The ATM generates information including a first identifier for identifying the ATM as cooperation information, and transmits the generated cooperation information to the first server. The first server receives, from the terminal, cooperation information read from the ATM by a terminal owned by the user, and compares the cooperation information received from the ATM with the cooperation information received from the terminal, It is determined whether the transaction is permitted.

  An ATM according to a second aspect of the present invention includes a generation unit that generates information including a first identifier for identifying an ATM as link information, and a first unit that manages an account related to a transaction performed by a user via the ATM. A communication unit that transmits the cooperation information to the server, the first server checks and determines the cooperation information read from the ATM by a terminal owned by the user, and the cooperation information received from the ATM. A transaction unit for executing or stopping the transaction in accordance with the result of the approval or disapproval of the transaction.

  A server according to a third aspect of the present invention includes a management unit that manages an account related to a transaction performed by a user via an ATM, and information including a first identifier that is generated by the ATM and that identifies the ATM. A communication unit that receives, from the terminal, the cooperation information read from the ATM by a terminal owned by the user, while receiving the cooperation information from the ATM, the cooperation information received from the ATM, and the cooperation information received from the terminal. And a judging unit for judging whether or not the transaction is permitted.

  A transaction method according to a fourth aspect of the present invention is a transaction method in a transaction system that includes an ATM and a first server that manages an account related to a transaction performed by a user via the ATM. In this transaction method, the ATM generates information including a first identifier for identifying the ATM as cooperation information, and transmits the generated cooperation information to the first server. Receiving the cooperation information read from the ATM by a terminal owned by the user, and the first server compares the cooperation information received from the ATM with the cooperation information received from the terminal, Determining whether or not to permit the transaction.

  In a transaction method according to a fifth aspect of the present invention, an ATM generates information including a first identifier for identifying the ATM as link information, and manages an account relating to a transaction performed by a user via the ATM. Transmitting the cooperation information to the first server, and the first server checks the cooperation information read from the ATM by the terminal owned by the user with the cooperation information received from the ATM. Executing or stopping the transaction according to the result of the determination as to whether or not the transaction is permitted.

  A transaction method according to a sixth aspect of the present invention is a transaction method by a server that manages an account related to a transaction performed by a user via an ATM, wherein the server identifies the ATM generated by the ATM. Receiving information including the first identifier from the ATM as cooperation information, receiving from the terminal the cooperation information read from the ATM by a terminal owned by the user, and cooperation information received from the ATM And collating the cooperation information received from the terminal to determine whether or not to permit the transaction.

  A program according to a seventh aspect of the present invention includes a process for generating information including a first identifier for identifying an ATM as link information, and a first server for managing an account related to a transaction performed by a user via the ATM. Transmitting the cooperation information, the transaction determined by the first server by collating the cooperation information read from the ATM by the terminal owned by the user with the cooperation information received from the ATM. And a process of executing or stopping the transaction according to the result of the permission or rejection of the transaction.

  A program according to an eighth aspect of the present invention provides a computer provided in a server that manages an account relating to a transaction performed by a user via an ATM to a first computer that is generated by the ATM and that identifies the ATM. A process of receiving information including an identifier from the ATM as coordination information, a process of receiving coordination information read from the ATM by a terminal owned by the user from the terminal, a process of receiving coordination information received from the ATM and the terminal And determining whether to permit or deny the transaction by collating with the cooperation information received from.

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

  ADVANTAGE OF THE INVENTION According to the transaction system, ATM, server, transaction method, and program concerning this invention, it becomes possible to implement | achieve a high-speed cardless transaction via ATM, without significantly remodeling ATM.

It is a figure showing composition of a transaction system concerning one embodiment. It is a block diagram which illustrates the composition of the transaction system concerning a 1st embodiment. It is a figure which illustrates the structure of the table which the management part of the transaction center server holds in the transaction system which concerns on embodiment. FIG. 3 is a sequence diagram illustrating a dispensing operation of the transaction system according to the first embodiment. It is a sequence diagram which illustrates the deposit operation | movement of the transaction system which concerns on 1st Embodiment. It is a block diagram which illustrates the composition of the transaction system concerning a 2nd embodiment. FIG. 11 is a sequence diagram illustrating a dispensing operation of the transaction system according to the second embodiment.

  First, an outline of an embodiment will be described. It should be noted that the reference numerals in the drawings appended to this outline are merely examples for facilitating understanding, and are not intended to limit the present invention to the illustrated embodiments.

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

  The first server 2 manages an account related to a transaction performed by a user via the ATM 1. The ATM 1 generates information including a first identifier (for example, an ATM terminal number) for identifying the ATM 1 as cooperation information, and transmits the generated cooperation information to the first server 2. The first server 2 receives from the terminal 3 the cooperation information read from the ATM 1 (as a QR code as an example) by the terminal 3 owned by the user. The first server 2 checks the coordination information received from the ATM 1 with the coordination information received from the terminal 3 to determine whether or not a transaction performed by the user via the ATM 1 is permitted.

  In the transaction system of one embodiment, the first server collates the cooperation information generated by the ATM with the cooperation information received from the user terminal that has read the cooperation information from the ATM. Thus, it is possible to confirm that the user who conducts the transaction via the ATM exists in front of the ATM, and the user can execute the transaction via the ATM using his / her terminal without carrying the card. Can be.

  Further, in the transaction system according to the embodiment, the user terminal reads the identification information generated by the ATM. At this time, there is no need to improve the ATM in order to separately provide a QR code reading function on the ATM side.

  Further, in the transaction system according to the embodiment, the ATM itself generates information including a first identifier (for example, an ATM terminal number) for identifying the ATM, instead of the first server side, as the cooperation information. According to such a configuration, a case is adopted in which a user terminal (or ATM) requests identification information (cooperation information) from a server, generates identification information on the server side, and transmits the generated identification information to the user terminal (or ATM). In comparison, it is possible to speed up issuance of identification information and improve the quality of experience of the user.

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

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

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

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

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

  Hereinafter, a detailed configuration of each device will be described with reference to FIG.

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

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

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

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

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

  The input unit 11 receives various ATM operations from a user. The input unit 11 accepts operations such as pressing of a transaction button, input of a password or authentication number, a company number, and pressing of a deposit or withdrawal confirmation button.

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

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

  The communication unit 14 transmits the company number received by the input unit 11 and the cooperation information generated by the generation unit 12 to the mediation center server 40. The communication unit 14 transmits the personal identification number received by the input unit 11 to the transaction center server 20. Further, the communication unit 14 receives from the transaction center server 20 account information indicating an account with which the user makes a transaction, and transaction information indicating the type of transaction (withdrawal, deposit, etc.) and the amount of money (withdrawal amount, etc.). In addition, the communication unit 14 receives the result of permission (deny or permission) of the transaction determined by the transaction center server 20. Further, when the input unit 11 receives an operation for confirming the deposit amount displayed by the display unit 13 by the user, the communication unit 14 makes a transaction via the mediation center server 40 that the cash equivalent to the deposit amount has been deposited. It is transmitted to the center server 20.

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

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

  The management unit 21 manages accounts related to transactions performed by the user via the ATM 10. In addition, the management unit 21 stores the type and amount of the transaction notified from the user terminal 30 in a table (or DB: Database). Further, the management unit 21 stores the cooperation information received from the user terminal 30 in a table.

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

  The communication unit 22 receives the password input by the user when logging in. When the login is authenticated, the communication unit 32 transmits an authentication OK notification to the user terminal 30. Further, when the communication unit 22 receives the transaction type and the amount from the user's terminal 30, the communication unit 22 accumulates these in the table (FIG. 3) of the management unit 21. The communication unit 22 transmits to the terminal 30 a company number (financial institution identifier, bank identification number) for identifying the company (financial institution) managing the transaction center server 20. Further, when the communication unit 22 receives the cooperation information read from the ATM 10 by the user terminal 30 from the ATM 10, the communication unit 22 stores the received cooperation information in the table of the management unit 21 (FIG. 3). In addition, the communication unit 22 receives the cooperation information generated by the ATM 10 from the ATM 10 via the mediation center server 40. Further, the communication unit 22 refers to the table (FIG. 3) held by the management unit 21, and transmits account information (for example, information corresponding to magnetic stripe information of a cash card) indicating the information of the user's account to the terminal 30. The ATM 10 is notified of the received transaction information indicating the type and / or amount of the transaction. When permitting withdrawal, the communication unit 22 notifies the ATM 10 to that effect.

  The determination unit 23 collates the cooperation information received from the ATM 10 with the cooperation information received from the terminal 30 to determine whether to permit the transaction. If these pieces of cooperation information do not match, the determination unit 23 rejects the transaction registered from the user terminal 30. On the other hand, when these pieces of cooperation information match, the determination unit 23 notifies the ATM 10 of the account information and the transaction information via the mediation center server 40. When the type of transaction is withdrawal, the determination unit 23 compares the password of the account relating to the transaction with the password received from the ATM 10 via the mediation center server 40 and input to the ATM 10, and the two match. If so, permit the transaction (ie, withdraw).

  The mediation center server 40 includes a distribution unit 41.

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

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

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

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

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

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

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

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

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

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

  When the two pieces of cooperation information match, the communication unit 22 of the transaction center server 20 notifies the ATM 10 of the account information and the withdrawal amount stored in step S5 (step S15). On the other hand, if the two pieces of cooperation information do not match, the determination unit 23 of the transaction center server 20 rejects the transaction (here, withdrawal).

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

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

  The dispensing process is completed by the above steps.

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

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

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

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

  With the above steps, the deposit processing is completed.

[effect]
In the transaction system of the present embodiment, a transaction is performed using the ATM by collating the cooperation information generated by the ATM with the cooperation information received from the terminal of the user who has read the cooperation information from the ATM by using the transaction center server. It can be confirmed that the user exists before the ATM. As a result, the user can execute deposit and withdrawal via the ATM using his / her own terminal without carrying the card.

  In the transaction system of the present embodiment, the ATM displays the generated link information as a QR code and causes the terminal to read it. Therefore, it is not necessary to improve the ATM such as providing a QR code reading function on the ATM side.

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

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

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

  Further, in this embodiment, the company number is notified from the transaction center server to the user terminal, the user inputs the company number into the ATM, and the ATM sends the company number and the cooperation information to the mediation center server. Further, the mediation center server refers to the company number and distributes the cooperation information to the transaction center server of the financial institution related to the transaction. Thereby, the user can execute the cardless transaction using the ATM with respect to each of the plurality of financial institutions having the account, and the user's convenience can be greatly improved.

  Furthermore, in the present embodiment, the type of transaction (payment or withdrawal) and the amount of money (withdrawal amount) performed by the user are registered in advance in the transaction center server from the user's terminal. According to this configuration, the financial institution that manages the account grasps the transaction amount (for example, the withdrawal amount) before the withdrawal processing via the ATM is actually performed, and performs the necessary processing (for example, confirmation of a balance shortage, etc.). ) And preparations can be made.

<Embodiment 2>
Next, a transaction system according to a second embodiment will be described with reference to the drawings. In the first embodiment, it is assumed that the user has registered a personal identification number with a financial institution. On the other hand, in the present embodiment, it is assumed that the user has an account with a business company such as a fund transfer company and deposits and withdraws from the account for which a password is not set. The following mainly describes differences between the transaction system according to the present embodiment and the transaction system according to the first embodiment.

[Constitution]
FIG. 6 is a block diagram illustrating the configuration of the transaction system according to the present embodiment. The second embodiment is different from the transaction system (FIG. 2) of the first embodiment in that the transaction center server 20 further includes an issuing unit 24. Further, in this embodiment, the transaction center server 20 transmits an authentication number (for example, a one-time password) for the transaction to the terminal 30 instead of the password, and compares the transmitted authentication number with the authentication number input to the ATM 10. The collation is performed to determine whether or not the transaction is permitted.

  The communication unit 14 of the ATM 10 according to the present embodiment differs from the ATM 10 according to the first embodiment in that the communication unit 14 transmits the authentication number received by the input unit 11 to the transaction center server 20.

  Further, the transaction center server 20 of the present embodiment differs from the transaction center server 20 of the first embodiment in the following points. The issuing unit 24 issues an authentication number for a transaction (for example, withdrawal, payment, and the like). Further, when transmitting the company number (such as a bank identification number) to the terminal 30, the communication unit 22 also transmits the authentication number issued by the issuing unit 24. Further, the determination unit 23 collates the authentication number issued by the issuing unit 24 with the authentication number received from the ATM 10 and input to the ATM 10 to determine whether or not to permit the transaction.

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

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

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

  Note that the deposit operation of the transaction system according to the present embodiment is the same as the deposit operation in the first embodiment shown in FIG. 5, and a description thereof will be omitted.

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

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

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

  As an example, the determination unit 23 of the transaction center server 20 receives cooperation information from the ATM 10 after receiving registration of a withdrawal amount (step S4 of FIG. 4) or registration of a deposit transaction (step S4 of FIG. 5) from the terminal 30. If the period up to the execution (steps S12 and S13 in FIGS. 4 and 5) exceeds a predetermined period, the transaction may be permitted or rejected without depending on the comparison result (step S14 in FIGS. 4 and 5). . Here, as the predetermined period, for example, the user inputs the time required to read the QR code, the time required to transmit and receive the cooperation information and the company number, and the company number notified from the transaction center server 20 to the ATM 10. It is preferable to use a period (for example, about 15 minutes) determined in consideration of the time required for the operation.

  According to such a modification, the security of cashless transactions via ATM can be further improved.

<Modification 2>
Biometric authentication technology can be applied instead of the confirmation of the personal identification number or the authentication number in the first or second embodiment (steps S16, S19, S20 in FIG. 4 or FIG. 5).

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

  According to such a modification, even if the password is forgotten, the cardless transaction via the ATM can be safely realized. According to such a modification, it is also possible to prevent another person from being erroneously authenticated as in the case where a personal identification number or an authentication number is leaked. Further, according to such a modification, it is possible to omit the notification of the authentication number from the transaction center server to the terminal and to input the password or the authentication number to the ATM by the user, and to perform the cardless transaction via the ATM. It is possible to further increase the speed and simplify the operation.

<Modification 3>
In the withdrawal operation in the first and second embodiments, the user confirms the withdrawal amount registered by the user in advance (step S4 in FIGS. 4 and 7) again (step S18 in FIGS. 4 and 7), and Is to be dispensed (step S22 in FIGS. 4 and 7).

  However, the user may want to change the withdrawal amount at the time of withdrawal. In addition, there is a case where the cash balance held in the account by the user is insufficient for the withdrawal amount registered in advance (or exceeds the limit of withdrawal (or loan) allowed by the user). Furthermore, depending on the state of the number of remaining banknotes and coins held by the ATM, there may be cases where the user cannot pay out a withdrawal amount registered in advance.

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

  According to such a modification, it is possible to respond to a request of a user who wants to flexibly change the withdrawal amount. In addition, it is possible to deal with exceptional situations such as a shortage of the balance of the account, a withdrawal or exceeding the loan limit, and a shortage of ATM bills and coins.

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

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

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

  Note that the entire disclosure content of the above-mentioned patent documents is incorporated herein by reference. Modifications and adjustments of the embodiments are possible within the framework of the entire disclosure (including the claims) of the present invention and based on the basic technical concept thereof. Also, various combinations or selections of various disclosed elements (including each element of each claim, each element of each embodiment, each element of each drawing, and the like) are possible within the frame of the entire disclosure of the present invention. is there. That is, the present invention naturally includes various variations and modifications that can be made by those skilled in the art according to the entire disclosure including the claims and the technical idea. In particular, with respect to the numerical ranges described herein, any numerical values or small ranges included in the ranges should be construed as being specifically described even if not otherwise specified.

1,10 ATM
2 first server 3, 30 terminal 11 input unit 12 generation unit 13 display unit 14 communication unit 15 transaction unit 20 transaction center server 21 management unit 22 communication unit 23 determination unit 24 issue unit 31 read unit 32 communication unit 33 display unit 40 Mediation center server 41 Distributor

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

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

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

Claims (19)

ATM and
A first server for managing an account relating to a transaction performed by a user via the ATM.
The ATM generates information including a first identifier for identifying the ATM as cooperation information, transmits the generated cooperation information to the first server,
The first server receives, from the terminal, cooperation information read from the ATM by a terminal owned by the user, and compares the cooperation information received from the ATM with the cooperation information received from the terminal, Judging whether the transaction is permitted,
A transaction system characterized by that: The ATM generates information including the first identifier, a second identifier for identifying the transaction, and / or a date and time when the transaction is accepted, as the link information.
The transaction system according to claim 1. The ATM displays a QR code including the link information;
The transaction system according to claim 1. The first server notifies the ATM of account information indicating the account and transaction information indicating the type and / or amount of the transaction received from the terminal;
The ATM executes the transaction based on the account information and the transaction information;
The transaction system according to claim 1. A plurality of first servers for each of the plurality of financial institutions;
A second server that distributes the transaction to the plurality of first servers;
One of the plurality of first servers transmits a third identifier for identifying a financial institution corresponding to the one server to the terminal;
The second server receives the third identifier input to the ATM from the ATM, and transmits the cooperation information to a first server corresponding to a financial institution indicated by the third identifier;
The transaction system according to any one of claims 1 to 4. The first server transmits an authentication number for the transaction to the terminal, and compares the transmitted authentication number with an authentication number received from the ATM and input to the ATM to determine whether the transaction is permitted. Do
The transaction system according to any one of claims 1 to 5. A generation unit that generates information including a first identifier for identifying an ATM as link information;
A communication unit that transmits the link information to a first server that manages an account related to a transaction performed by a user via the ATM;
The first server compares the cooperation information read from the ATM by the terminal owned by the user with the cooperation information received from the ATM, and determines the transaction according to a result of the permission or rejection of the transaction. And a trading unit to be executed or stopped;
ATM characterized by the above-mentioned. The generation unit generates information including the first identifier, a second identifier for identifying the transaction, and / or a date and time when the transaction is received, as the cooperation information,
The ATM according to claim 7. A display unit for displaying a QR code including the link information;
The ATM according to claim 7 or 8. The communication unit receives account information indicating the account and transaction information indicating a type and / or amount of the transaction received from the terminal from the first server,
The transaction unit executes the transaction based on the account information and the transaction information,
The ATM according to any one of claims 7 to 9. A management unit for managing an account related to a transaction performed by a user via an ATM,
Receiving, from the ATM, information including a first identifier for identifying the ATM, generated by the ATM, as cooperation information, and receiving, from the terminal, cooperation information read from the ATM by a terminal owned by the user. A communication unit,
A collation information received from the ATM and collation information received from the terminal, and a determination unit for determining whether or not to permit the transaction,
A server, characterized in that: The communication unit receives, as the cooperation information, information including the first identifier, the second identifier for identifying the transaction, and / or the date and time when the transaction was received, generated by the ATM. Do
The server according to claim 11. The communication unit notifies the ATM of account information indicating the account and transaction information indicating the type and / or amount of the transaction received from the terminal.
The server according to claim 11. An issuer that issues an authentication number for the transaction,
The communication unit transmits the authentication number to the terminal,
The determining unit compares the authentication number issued by the issuing unit with the authentication number received from the ATM and input to the ATM to determine whether the transaction is permitted.
The server according to any one of claims 11 to 13. A transaction method in a transaction system, comprising: an ATM; and a first server for managing an account relating to a transaction performed by a user via the ATM,
A step in which the ATM generates information including a first identifier for identifying the ATM as cooperation information, and transmits the generated cooperation information to the first server;
The first server receiving cooperation information read from the ATM by a terminal owned by the user;
The first server collating the coordination information received from the ATM with the coordination information received from the terminal to determine whether to permit or deny the transaction.
A transaction method characterized by that: An ATM generating information including a first identifier for identifying the ATM as link information;
Transmitting the link information to a first server that manages an account related to a transaction performed by a user via the ATM;
The first server compares the cooperation information read from the ATM by the terminal owned by the user with the cooperation information received from the ATM, and determines the transaction according to a result of the permission or rejection of the transaction. Performing or stopping.
A transaction method characterized by that: A transaction method by a server that manages an account related to a transaction performed by a user through an ATM,
The server receiving, from the ATM, information including a first identifier for identifying the ATM, generated by the ATM, as cooperation information;
Receiving from the terminal cooperative information read from the ATM by a terminal owned by the user;
Collating the coordination information received from the ATM with the coordination information received from the terminal to determine whether or not to permit the transaction.
A transaction method characterized by that: A process of generating information including a first identifier for identifying an ATM as link information;
Transmitting the link information to a first server that manages an account related to a transaction performed by a user via the ATM;
The first server compares the cooperation information read from the ATM by the terminal owned by the user with the cooperation information received from the ATM, and determines the transaction according to a result of the permission or rejection of the transaction. Causing the computer provided in the ATM to execute or stop processing.
A program characterized by that: A computer provided in a server that manages an account related to a transaction performed by a user through an ATM,
A process of receiving information including a first identifier for identifying the ATM, generated by the ATM, as cooperation information from the ATM;
A process of receiving, from the terminal, cooperation information read from the ATM by a terminal owned by the user;
Comparing the coordination information received from the ATM with the coordination information received from the terminal to determine whether or not to permit the transaction,
A program characterized by that:

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