JP2022080343A - Transaction management method, transaction management system, and program - Google Patents

Abstract

To provide a transaction management method and a transaction management system capable of industrially advantageously performing transaction processing that can be executed by a deposit/withdrawal device.SOLUTION: Provided is a transaction management system in which at least a transaction management server for managing transaction processing that can be executed by a deposit/withdrawal device and a user terminal of a user who uses the transaction processing are communicably connected to each other via a communication line. The transaction management server uses the transaction management system including means for attaching, to the transaction processing, position information of a position where the deposit/withdrawal device is not actually installed, thereby executing a step of designating a position where the deposit/withdrawal device is not actually installed, and a step of attaching the position information of the designated position to the transaction processing.SELECTED DRAWING: Figure 1

Description

The present invention relates to a transaction management method, a transaction management system, or a program applied thereto that can carry out financial transactions and the like that can be traded by a deposit / withdrawal device of a financial institution.

Deposit and withdrawal devices for conducting financial transactions of financial institutions include automatic teller machines (generally referred to as "ATMs"), which automatically deposit and withdraw cash and deposit and withdraw cash. It is widely known as a device that provides a service (ATM service). The automatic cash deposit / payment device is installed in a corner of a financial institution store such as a bank, a store such as a convenience store, or a public place (for example, in a station yard) and is used by a user. The automatic cash deposit and payment device is operated by a bank, but in its actual operation, it is often outsourced to a security company. A user inserts a medium such as a cash card or debit card issued by a bank or the like (hereinafter, also simply referred to as a "card") into an automated teller machine and follows the instructions displayed on the operation screen. You can easily carry out ATM transactions.
In recent years, an automatic cash deposit / payment device that allows a user to intuitively recognize that the card is in the operation stage to be taken at the end of an ATM transaction has been studied (Patent Document 1).

However, ATMs have a limited installation location, and you have to go to the installation location to process transactions such as financial transactions. Also, the number of ATMs is limited, and there are many users. Had problems such as having to form a line and wait until it was their turn.
By the way, it is conceivable to conduct online transactions using WEB sites such as banks other than ATMs, but in simple online transactions, it is necessary to display a dedicated WEB site each time, and procedures such as authentication are complicated. There is a problem that it is difficult to use it sensuously because the operation is completely different from the actual ATM, and it is difficult to use it easily especially for elderly people, so it is not always satisfactory. Therefore, there has been a long-awaited measure that is more convenient, easier to access, and more operable than an actual ATM.

Japanese Unexamined Patent Publication No. 2014-137703

An object of the present invention is to provide a transaction management method and a transaction management system capable of industrially advantageous transaction processing that can be traded by a deposit / withdrawal device.

As a result of diligent studies to achieve the above object, the present inventors can execute the transaction in augmented reality (hereinafter, also referred to as "AR") or virtual reality (hereinafter, also referred to as "VR") with a deposit / withdrawal device. A transaction method using a transaction management system that manages transaction processing, in which a step of designating a position where the deposit / withdrawal device is not actually installed and a step of attaching the position information of the designated position to the transaction process. It was found that the transaction management method including the above can easily and easily perform the transaction processing, and it was found that such a transaction management method can solve the above-mentioned conventional problems at once.
In addition, after obtaining the above findings, the present inventors have further studied and completed the present invention.

That is, the present invention relates to the following invention.
[1] A transaction method using a transaction management system that manages transaction processing that can be executed by a deposit / withdrawal device, the step of designating a position where the deposit / withdrawal device is not actually installed, and the designated step. A transaction management method comprising a step of attaching position information of a position to the transaction processing.
[2] The transaction management method according to the above [1], wherein the location information is subjected to processing.
[3] The transaction management method according to [1] or [2], wherein an image for processing the transaction is generated at the position in augmented reality or virtual reality, and the transaction is executed using the image. ..
[4] The transaction management method according to the above [3], wherein the transaction processing is performed by operating a 3D model or the image using a user terminal of a user who uses the transaction processing of the deposit / withdrawal device.
[5] The transaction management method according to the above [4], wherein the user makes the designation using the user terminal.
[6] The transaction management method according to any one of the above [3] to [5], wherein the image is an image of the deposit / withdrawal device.
[7] The transaction management method according to any one of the above [1] to [6], wherein the transaction processing includes payment processing.
[8] The transaction management method according to the above [7], wherein the payment processing is a prepayment method.
[9] The transaction management method according to the above [7], wherein the payment processing is a deferred payment method.
[10] The transaction management method according to the above [7], wherein the payment process is an immediate payment method.
[11] Transaction management in which at least a transaction management server that manages transaction processing that can be executed by a deposit / withdrawal device and a user terminal of a user who uses the transaction processing are connected to each other so as to be communicable via a communication line. A transaction management system, wherein the transaction management server includes means for attaching position information of a position where the deposit / withdrawal device is not actually installed to the transaction processing.
[12] The transaction management system according to the above [11], wherein the user terminal is provided with a means for designating the position and transmitting the position information of the designated position to the transaction management server.
[13] The transaction management system according to the above [11] or [12], wherein the transaction management server includes means for subjecting the location information to a processing process.
[14] The transaction according to any one of the above [11] to [13], wherein the transaction management server is provided with a means for generating an image for processing the transaction at the position in augmented reality or virtual reality. Management system.
[15] The transaction management system according to the above [14], wherein the user terminal includes a means for operating the 3D model or the image to perform the transaction processing.
[16] The transaction management system according to the above [14] or [15], wherein the image is an image of the deposit / withdrawal device.
[17] The transaction management system according to any one of the above [11] to [16], wherein the transaction processing includes payment processing.
[18] The transaction management system according to the above [17], wherein the payment processing is a prepayment method.
[19] The transaction management system according to the above [17], wherein the payment processing is a deferred payment method.
[20] The transaction management system according to the above [17], wherein the payment processing is an immediate payment method.
[21] A program that causes a transaction management server that manages transaction processing that can be executed by a deposit / withdrawal device to function as a means for attaching position information of a position where the deposit / withdrawal device is not actually installed to the transaction processing.
[22] The program according to the above [21], which functions as a means for subjecting the position information to a processing process.
[23] The user terminal of the user who uses the transaction processing that can be executed by the deposit / withdrawal device is designated as the position where the deposit / withdrawal device is not actually installed, and the position information of the designated position is used. A program that functions as a means for processing the transaction.

The transaction management method and the transaction management system of the present invention can perform transaction processing that can be traded by the deposit / withdrawal device in an industrially advantageous manner.

It is a schematic block diagram which shows typically an example of a preferable embodiment of the transaction management system of this invention. It is a figure which shows typically the information processing flow of the transfer which is preferably carried out in the transaction management system of this invention. It is a figure which shows schematically the virtual ATM screen operation flowchart of the transfer which is preferably carried out in the transaction management system of this invention. An example of an AR image or a VR image before displaying an ATM image displayed on a user terminal preferably used in the present invention is schematically shown. An example of the menu in FIG. 4 is schematically shown. An example of the AR image or the VR image being displayed in the ATM image in FIG. 4 is schematically shown. It is a figure which shows an example of a preferable embodiment of the image of the deposit / withdrawal device in the AR image or VR image which is suitably used in this invention. It is a figure which shows an example of the functional element of the suitable internal system composition of the deposit / withdrawal apparatus used as an image in this invention schematically. It is a figure which shows an example of the embodiment of the suitable transaction start operation of the image of the deposit / withdrawal apparatus in the AR image or VR image which is suitably used in this invention. It is a figure which shows an example of the embodiment of the suitable operation screen (transaction screen) of the image of the deposit / withdrawal device in the AR image or VR image which is suitably used in the present invention. It is a figure which shows an example of the embodiment of the suitable operation screen (transfer amount input confirmation screen) of the image of the deposit / withdrawal device in the AR image or VR image which is suitably used in the present invention. Another example of the AR image or the VR image before the ATM image display displayed on the user terminal preferably used in the present invention is schematically shown. An example of the menu in FIG. 12 is schematically shown. An example of the AR image or the VR image being displayed in the ATM image in FIG. 12 is schematically shown. It is a figure explaining an example of the structure of the block chain which is preferably used in this invention. It is a figure explaining an example of the transaction structure of the blockchain which is preferably used in this invention. It is a figure explaining an example of the data structure of the transaction of the blockchain which is preferably used in this invention. It is a figure explaining an example of the script of a blockchain transaction preferably used in this invention.

The transaction management method of the present invention is a transaction method using a transaction management system that manages transaction processing that can be executed by the deposit / withdrawal device, and is a step of designating a position where the deposit / withdrawal device is not actually installed. It is characterized by including a step of attaching the position information of the designated position to the transaction processing.

Further, in the transaction management method, at least the transaction management server that manages the transaction processing that can be executed by the deposit / withdrawal device and the user terminal of the user who uses the transaction processing are connected so as to be able to communicate with each other via a communication line. A means that is suitably used for a transaction management system, and in such a transaction management system, the transaction management server attaches position information of a position where the deposit / withdrawal device is not actually installed to the transaction processing. A transaction management system characterized by being provided is also included in the present invention.

In the present invention, it is preferable to subject the position information to the processing process because the information processing related to the transaction process can be performed more efficiently and easily anywhere. Further, in the present invention, in augmented reality (AR) or virtual reality (VR), it is prior to generating an image for the transaction processing at the position and executing the transaction processing using the image. It is preferable because the handleability of the entry / withdrawal device can be further improved, and the 3D model or the image is operated by using the user terminal of the user who uses the transaction processing of the deposit / withdrawal device. It is more preferable to do this, and it is most preferable that the image is an image of the deposit / withdrawal device. Further, the above designation can be carried out even if the financial institution is not a financial institution, and may be made by the administrator of the transaction management server, or may be made by a person authorized by the administrator to generate the image. You may. The manager is not particularly limited as long as it does not hinder the object of the present invention, and may be a corporation or various organizations as well as a natural person. In the present invention, it is preferable that the user makes the designation by using the user terminal because the user can use the designation more easily.

As the deposit / withdrawal device, for example, an automatic teller machine such as an automatic teller machine can be mentioned as a preferable example, and the cash automatic teller machine is a terminal device that provides a so-called ATM transaction service to a user (customer). Sufficiently, it is also called "ATM". The deposit / withdrawal device does not have to have both cash deposit / withdrawal (withdrawal) functions, as the word implies. Further, the automatic teller machine may be regarded as synonymous with the terms "automated teller machine" or "automated teller machine".

The transaction process is not particularly limited as long as it is a transaction process that can be traded in the deposit / withdrawal device, and may be a known transaction process. The transaction processing includes, for example, transfer processing, transfer processing, payment processing, cashing processing, card loan processing, foreign currency deposit processing, time deposit processing, balance inquiry processing, deposit processing receipt, transfer destination deletion processing, exchange / exchange processing, etc. Is a suitable example.

In the present invention, it is preferable that the transaction processing includes payment processing. The payment process is not particularly limited, and examples thereof include a transfer process, a transfer process, and a payment process. In the present invention, the payment process may be any of a prepaid type, a postpaid type, and an immediate payment type, and the convenience for each user can be further improved.

The transaction target of the transaction processing is not particularly limited as long as it does not hinder the object of the present invention, but in the present invention, money, points and the like are preferable.

"Money" refers to any medium that can be exchanged for any value, and examples of the currency include, but are not limited to, banknotes, coins, foreign exchange, cashier checks, and the like, and various currencies (including digital currencies). ) Is also included. In the present invention, the currency may be a currency approved or issued by the government, or may be a cryptographic asset such as a virtual currency.

The “points, etc.” may be known benefits, financial products, etc. granted in the goods or services without limitation as long as the object of the present invention is not impaired. Examples of the privilege include a privilege used for exchanging a prize or the like (for example, points) and a privilege used for payment of a voting ticket (for example, a discount or a discount). The "point" is not particularly limited as long as it does not interfere with the object of the present invention, and may be a known point given or the like in a commercial transaction. It may or may not have an expiration date. Further, the financial product may be a known financial product, and securities or financial derivative products (financial derivatives) may be mentioned as suitable examples. The financial product may be issued through a financial institution such as a securities company. Examples of the securities include stock securities (preferably private stocks), government bond securities, local bond securities, corporate bonds, investment securities, beneficiary securities of investment trusts, beneficiary securities of loan trusts, beneficiary securities of special purpose trusts, and beneficiaries. Beneficiary securities of securities issuance trusts, promised bills, foreign exchange bills, checks, postal exchanges, warehouse securities, shipping securities, corporate bond interest tags, gift certificates, prepaid cards, etc. can be mentioned. Further, examples of the financial derivative product (financial derivative) include financial transactions derived from the securities, and over-the-counter option transactions, swap transactions, and the like are also included in the financial derivative product (financial derivative).

Hereinafter, the present invention will be described in more detail with reference to the drawings, but the present invention is not limited to these specific embodiments.

FIG. 1 shows an example of a preferred embodiment of the transaction management system of the present invention. In the transaction management system of FIG. 1, at least a transaction management server 12 that manages transaction processing that can be executed by a deposit / withdrawal device and a user terminal 11 of a user who uses the transaction processing can communicate with each other via a communication line. It is connected to the. The image 100 of the deposit / withdrawal device is displayed on the screen of the user terminal 11, and the transaction management server 12 is also communicably connected to the management server 10 of the financial institution via a communication line. ..

The transaction management server 12 may be a management server of the transaction processing manager, may be a financial institution, or may be a service provider that manages the transaction processing as a business. .. In the present invention, it is preferable that the manager is a processing company because the transaction processing can be performed more efficiently and more appropriately.

Further, the transaction management server 12 includes ATM information including the user information of the user, the card information of the card used by the user, the transaction information by using the card, and the position information of the designated position. Is preferably remembered.

The card may be a prepaid card (prepaid payment method), a debit card (immediate payment method), a credit card (postpaid payment method), or the like, and the shape or the like is not limited to a card shape but is electronic. It may be a non-contact type IC card, a contact type IC card, and / or a magnetic card provided with a magnetic stripe. In addition, the card may include information corresponding to the type of credit card or debit card, the type of credit card, the maximum amount, and the transaction content.

"Financial institution" means a financial services provider such as a bank or non-bank to which financial services and money services are provided. Financial institutions include, for example, banks, credit unions, insurance companies, insurance agents, stock brokers, securities companies, mortgage finance companies, money services businesses, institutions for money services businesses, financial services or money. Examples include institutions for organizations that provide services.

The "user" is also referred to as a user, and may be a person who can use the card, and may be a corporation or various organizations as well as a natural person.

The "communication line" is not particularly limited and may be a wireless line or a wired line as long as communication is possible, but it is preferable to include a telephone network or an internet network because bidirectional communication can be performed. .. Further, the communication line may be a dedicated line provided with communication restrictions.
In the present invention, the transaction management server may be provided with means for using a blockchain for management of the transaction processing and the like.

"Position information" refers to position information for designating the position, and is not particularly limited as long as the position can be specified. However, in the present invention, the position information is set based on the GPS position information. It is preferable that it is a thing.

In the transaction management system of FIG. 2, the user performs, for example, a transfer process as the transaction process using the image 100 of the deposit / withdrawal device displayed on the screen of the user terminal 11.

FIG. 2 is a diagram schematically showing an information processing flow of transfer that is preferably carried out in the transaction management system of FIG. Further, FIG. 3 is a diagram schematically showing a virtual ATM screen operation flowchart of transfer, which is preferably performed in the transaction management system of FIG. 1.

For example, as shown in FIG. 4, the user causes the user terminal 1 to display an AR image or a VR image 2a. The AR image or VR image 2a of FIG. 4 is an indoor image in a real or virtual building, and a menu icon 3 is displayed at the upper right of the screen of the user terminal 1. Here, the screen of the user terminal 1 of FIG. 4 is a touch panel screen, and when the menu icon 3 is pressed, the menu 3a is expanded as shown in FIG. 5, for example, "return to home", "return to home", ". Menu items such as "Get ATM", "Settings", and "Exit" are displayed in a selectable manner. The menu items are not particularly limited in the present invention, and known menu items can be appropriately used.

When the user selects, for example, "issue an ATM" in the menu 3a, the ATM position information is designated based on the GPS position information of the user terminal 1 as shown in FIG. 2, and the designated position information is set as the designated position information. It is transmitted from the user terminal 11 to the transaction management server 12 together with the ATM request (S101). When the transaction management server 12 receives the designated location information and the ATM request from the user terminal 11, the transaction management server 12 generates the ATM information based on the designated location information and the ATM request (S102), and stores the ATM information including the designated location information (S103). ). Then, the transaction management server 12 transmits the ATM image to the user terminal 11 at the position of the designated position information of the AR image or the VR image, and displays the ATM image on the screen of the user terminal 11 (S105). ).

FIG. 6 shows an AR image or a VR image during an ATM image display. The ATM image 100 is displayed in the AR image or the VR image 2a of FIG. Further, in the present invention, as shown in FIG. 6, the operation setting button 4, the home bar 5, and the like may be provided in the AR image or the VR image.

FIG. 7 shows an ATM image 100, and the ATM displayed as an image in FIG. 7 includes an operation unit 120. The operation unit 120 preferably includes a touch panel display 121, a numeric keypad 122, a card reading unit 123a, a card information reading unit 123b, a form output mechanism 124, a cash accounting mechanism 125, a change slot 127, and the like. Further, the user may be provided with an intercom 126 for making a direct call with an operator in a store or a call center via a dedicated line at the time of ATM transaction. Each of these configurations is displayed as an image on the touch panel display of the user terminal 1, and when these images are touched or transaction processing is performed with the ATM image 100, each function is visually expressed. It is configured in. For example, as shown in FIG. 9, when the touch panel display 121 of the ATM image 100 is touched with the user's finger 6a, an operation guidance and a transaction start screen are displayed at the time of ATM transaction.

FIG. 10 shows a transaction start screen 7 displayed as a result of being touched in FIG. The contents of the transaction start screen 7 include, for example, "charge" for charging money or points that can be used in the AR or VR world with other money or points, money or points that can be used in the AR or VR world, and the like. "Various exchanges" for exchanging money or points for other coins, "balance confirmation inquiry" for confirming the balance of coins or points that can be used in the AR or VR world, coins or points that can be used in the AR or VR world, etc. "Card loan" to make a card loan, "Transfer" to transfer money or points to a third party, "Withdrawal / withdrawal" to check the upper limit of transaction price such as withdrawal of money or points with other money or points Inquiry about possible amount "etc.

On the transaction start screen 7 of FIG. 10, for example, when the transfer is touched and selected, the transfer destination or the transfer amount input screen is displayed (not shown), and as shown in FIG. 11, the transfer amount input confirmation screen 8 is displayed. Is displayed. When the input confirmation of the transfer destination and the transfer amount is completed, as shown in FIG. 2, the transfer destination and the transfer amount are transmitted from the user terminal 11 to the transaction management server 12 as a transfer request (S106). When the transaction management server 12 receives the transfer request from the user terminal 11, the transaction management server 12 deducts money, points, etc. from the user's account based on the transfer request (S107), and according to a conventional method, the financial institution to which the transfer is made. Remittance processing is performed to the management server 10 of (S108). The transaction management server 12 stores ATM information, subtraction processing, and remittance processing information (S109), and transmits the subtraction processing result and remittance processing result to the user terminal 11 (S110).

FIG. 3 shows a virtual ATM screen operation flowchart of the transfer as an example of a preferred embodiment. When the transaction start screen is displayed from the ATM image 100 (S201) and "transfer" is selected, card authentication is performed as to whether or not the transfer transaction is possible with the user's card (S202). It is preferable that the card authentication is performed by the transaction management server 12, and it is more preferable that the transaction management server 12 has a means for storing and checking the transaction conditions of the user, and the payment conditions and the payment authority. It is most preferable to have a means for storing and checking. In the card authentication, if there is no particular problem, the transfer input screen is displayed (S203), and if an error occurs, the authentication error is transmitted to the user terminal, and the authentication error is displayed on the user terminal (S207). When the transfer input screen is displayed, the transfer destination, the transfer amount, and the like are input (S204), and the transaction management server 12 checks the input contents. In particular, it is checked whether the balance is insufficient (S205), and if there is no particular problem, the transfer process is performed (S206). If an error occurs due to insufficient balance or the like, the error is transmitted to the user terminal 11 and the error is displayed on the user terminal (S207).

According to the method of the present invention, transaction processing that can be traded by a deposit / withdrawal device can be performed by VR or AR, but operation images and processed images can be output so that transactions can be performed as if they were actually operated at an ATM. It is preferable to configure it.
For example, as shown in FIG. 11, the ATM image 100 displays a screen that matches the actual use of the ATM, such as displaying the number input operation screen 9 by ejecting a balloon from the numeric keypad 122. Anyone can easily make transactions in an easy-to-understand manner as if operating an actual ATM. Further, when the card reading unit 123a or the card information reading unit 123b is touched, the card information is magnetically, electrically, or optically read from the user's card using the user terminal 1, or the slot. According to the guidance, the department outputs a video of ejecting the card after the card transaction is completed. In FIG. 7, the card reading unit 123a is arranged adjacent to the lower end of the screen of the touch panel display 121, but in the present invention, these arrangements and the like are not particularly limited, and each component of the ATM is used. It can be arranged freely as appropriate. Further, for example, the form output mechanism 124 outputs an image for printing an ATM transaction on a recording paper, and if the image of the recording paper is touched, the form (detailed form) is displayed and the transaction can be confirmed. The cash accounting mechanism 125 and the change slot 127 receive, discriminate, count, and accept cash such as banknotes inserted by the user, and also discriminate, count, and discharge the cash to be paid out to the user, especially opening and closing. It can also be configured to open and close the lid to output a video of cash in and out so that transactions can be carried out as if they were real.

FIG. 8 is a block diagram showing functional elements of a deposit / withdrawal device showing an example of a preferred embodiment of the present invention. Some functional elements, individually or in combination with others, can be associated with the control means of the transaction management server shown in FIG.

As shown in FIG. 3, the actual deposit / withdrawal device 200 includes a CPU 210, a user interface 220, a card information acquisition unit 230, a form output unit 240, a cash balance unit 250, a cash storage unit 260, a storage unit 270, and a conversion unit 280. It includes a display unit 290 and a communication control unit 300.

The CPU 210 includes means for performing arithmetic processing. The CPU 210 realizes processing related to various transactions and the like in the present embodiment by executing a program and the like stored in the storage unit 270. The storage unit 270 includes storage means such as a semiconductor memory and a hard disk. The storage unit 270 is accessiblely connected to the CPU 210 and stores data and the like used for various processes, and also stores the exchange rate and the like. The user interface unit 220 includes means for the user to input information, and includes, for example, a touch panel and a keyboard for receiving input from the user, a numeric keypad, and the like. The card information acquisition unit 230 usually includes a card reading unit 123a and / and a card information reading unit 123b. Further, the card information acquisition unit 230 may include a network interface or the like for receiving the user's card information, and may receive data to be processed. The display unit 290 includes means for displaying an input selection screen and the like necessary for various transactions in the deposit / withdrawal device. Further, the communication control unit 300 includes a network interface and the like for transmitting and receiving information and the like to the outside such as a management server of a financial institution via a communication line. The communication control unit 300 is, for example, a communication interface. The form output unit 240, the cash accounting unit 250, and the cash storage unit 260 output information about the ATM transaction to the user when the ATM transaction is completed. The conversion unit 280 has a means for calculating the value required for exchange based on the exchange rate (conversion rate) that can be exchanged for money, points, or the like. The exchange rate may be a fixed rate or a variable rate.
The transaction processing of the ATM image 100 can be executed, for example, by each function of the deposit / withdrawal device 200 shown in FIG. 8 executing a predetermined program on the CPU of the transaction management server 12 or the user terminal 11.

Further, in the present invention, it is preferable to perform the transaction processing not only in the above-mentioned indoor VR or AR video but also in the outdoor VR or AR video. FIG. 12 differs from the AR image or VR image 2a of FIG. 4 in that the actual or virtual outdoor image is used instead of the indoor image inside the building in the real or virtual state. Further, as in FIG. 4, in FIG. 12, the screen of the user terminal 1 is also a touch panel screen, and when the menu icon 3 is pressed, the menu 3a is expanded as shown in FIG. 13, for example, ". Menu items such as "Return to Home", "Get ATM", "Settings", and "Exit" are displayed in a selectable manner. Then, the ATM image can be displayed in the same manner as described above. FIG. 14 shows an AR image or a VR image during an ATM image display when a real or virtual outdoor image is used. In the present invention, since the transaction management server also stores the location information of the designated ATM, the ATM transaction processing can be easily and easily performed at any event or exchange place, indoors or outdoors. ..

In the present invention, the blockchain can be preferably used. Hereinafter, a blockchain that is preferably used will be described. In the present invention, the block functions as a transaction database containing transaction information regarding the card. Specifically, each block contains a list of transactions that are digest data and information about the transaction. The digest data includes a new hash value calculated from the previous block. That is, as shown in FIG. 15, by including the hash value calculated from the information contained in the previous block, each block is stored as a transaction database (blockchain) in a state of being connected like a chain. Will be done. The transaction history database is not only managed by the server, but is also verified and added to the user terminal 11 and the like.

A transaction is data that records the exchange of money, points, and the like. Transactions include input and output information. The input information is the output information of the transaction when the user who is the exchange source receives the exchange of money, points, etc. to be traded (identification information for specifying the transaction (transaction hash value, sequence number, etc.)). , Includes information to prove that the user owns the money, points, etc. (such as a script that meets the conditions for using the output). The output information includes information such as a type and number of exchanged coins and points, and a script for using the exchanged coins and points at an address specifying the exchange destination.

FIG. 16 shows an example of a blockchain transaction configuration preferably used in the present invention. Money, points, etc. are expressed as a transaction history, that is, a group of transactions in which money, points, etc. have passed. Each transaction (transaction of money, points, etc.) is digitally signed with the original owner's encryption key, including the hash value of the previous transaction and the new owner's public key. Information about all transactions is shared throughout the P2P network. By expressing the transaction in this way, there is an advantage that the currency etc. cannot be transferred by anyone other than the person without the permission of the original owner, and the third party can objectively confirm the transfer of the currency. Has.

FIG. 17 shows an example of a blockchain transaction data structure preferably used in the present invention. The transaction data structure has "output (money, points, etc. to be withdrawn)" and "input (money, points, etc. used for deposit)". Remittance requires money, points, etc. and a destination (address) to be given to the other party, and the output is a representation of these. In order to use the money, points, etc. addressed to you or send money to someone, you must refer to the output of the past transaction, which corresponds to the input in this transaction. Multiple outputs and inputs can be specified in one transaction. In order to send an arbitrary amount of money, it is necessary to collect the output of transactions addressed to you in the past and specify it as the input of the transaction to be performed.

FIG. 18 shows an example of a blockchain transaction script preferably used in the present invention. In the currency, points, etc. of FIG. 19, a transaction including an input source address and an output source address is described by a script. The transaction shown in the figure means that the money, points, etc. of a predetermined face value are sent to another user by using the money, points, etc. sent from the user to himself in the past. .. A transaction is given a transaction identifier unique to the transaction, and the hash value of the transaction is usually used. Where multiple outputs can be specified in "Output Script", "Output 2" is a normal description for verifying the digital signature of the input, while "Output 1" is a description for adding a byte array. be. The script provides a code called "OP_RETURN", which, like a typical programming return, stops the script when it comes to it and does not allow references to its output. Then, if a byte array is added using "OP_PUSHDATA" following "OP_RETURN", "output 1" can be used as a byte array description field without adversely affecting the digital signature. Since there is an upper limit to the number of bytes in the byte array that can be added using "OP_PUSHDATA", it is a condition that the hash value is used for files and the upper limit is not exceeded for text messages.

By configuring as described above, the transaction management server that manages the transaction processing that can be executed by the deposit / withdrawal device is preferably used, and the location information of the position where the deposit / withdrawal device is not actually installed is used for the transaction processing. It can function as a means to be attached to the processing, and more preferably, it can be made to function as a means to attach the position information to the processing process. Further, the user terminal of the user who uses the transaction processing that can be executed by the deposit / withdrawal device is designated as the position where the deposit / withdrawal device is not actually installed, and the position information of the designated position is used. It can also function as a means for processing transactions.

The transaction management method and the transaction management system of the present invention can perform transaction processing that can be traded by the deposit / withdrawal device in an industrially advantageous manner.

1 User terminal 2a AR image or VR image (indoor)
2b AR video or VR video (outdoor)
3 Menu icon 3a Menu 4 Operation setting button 5 Home bar 6 Hand 6a Finger 7 Transaction start screen 8 Input confirmation screen 9 Number input operation screen 10 Financial institution management server 11 User terminal 12 Transaction management server 18 Communication line 100 Deposit / withdrawal device Image 110 Photographed image 120 Operation unit 121 Touch panel display 122 Tenkey 123a Card reader 123b Card information reader 124 Form output mechanism 125 Cash accounting mechanism 126 Interphone 127 Change slot 200 Deposit / withdrawal device 210 CPU
220 User interface 230 Card information acquisition unit 240 Form output unit 250 Cash accounting unit 260 Cash storage unit 270 Storage unit 280 Conversion unit 290 Display unit 300 Communication control unit

Claims (23)

It is a transaction method using a transaction management system that manages transaction processing that can be executed by the deposit / withdrawal device, and is a step of designating a position where the deposit / withdrawal device is not actually installed, and a position of the designated position. A transaction management method comprising a step of attaching information to the transaction processing. The transaction management method according to claim 1, wherein the location information is subjected to processing. The transaction management method according to claim 1 or 2, wherein an image for processing the transaction is generated at the position in augmented reality or virtual reality, and the transaction processing is executed using the image. The transaction management method according to claim 3, wherein the transaction processing is performed by operating a 3D model or the image using a user terminal of a user who uses the transaction processing of the deposit / withdrawal device. The transaction management method according to claim 4, wherein the user makes the designation using the user terminal. The transaction management method according to any one of claims 3 to 5, wherein the image is an image of the deposit / withdrawal device. The transaction management method according to any one of claims 1 to 6, wherein the transaction processing includes payment processing. The transaction management method according to claim 7, wherein the payment process is a prepayment method. The transaction management method according to claim 7, wherein the payment process is a deferred payment method. The transaction management method according to claim 7, wherein the payment process is an immediate payment method. It is a transaction management system in which at least a transaction management server that manages transaction processing that can be executed by a deposit / withdrawal device and a user terminal of a user who uses the transaction processing are connected so as to be able to communicate via a communication line. The transaction management server is a transaction management system, characterized in that the transaction management server is provided with means for attaching position information of a position where the deposit / withdrawal device is not actually installed to the transaction processing. The transaction management system according to claim 11, wherein the user terminal has a means for designating the position and transmitting the position information of the designated position to the transaction management server. The transaction management system according to claim 11, wherein the transaction management server includes means for subjecting the location information to processing. The transaction management system according to any one of claims 11 to 13, wherein the transaction management server is provided with a means for generating an image for processing the transaction at the position in augmented reality or virtual reality. The transaction management system according to claim 14, wherein the user terminal includes a means for operating the 3D model or the image to perform the transaction processing. The transaction management system according to claim 14 or 15, wherein the image is an image of the deposit / withdrawal device. The transaction management system according to any one of claims 11 to 16, wherein the transaction processing includes payment processing. The transaction management system according to claim 17, wherein the payment processing is a prepayment method. The transaction management system according to claim 17, wherein the payment processing is a deferred payment method. The transaction management system according to claim 17, wherein the payment process is an immediate payment method. A program that causes a transaction management server that manages transaction processing that can be executed by a deposit / withdrawal device to function as a means for attaching position information of a position where the deposit / withdrawal device is not actually installed to the transaction processing. 21. The program according to claim 21, wherein the location information functions as a means for subjecting the processing to processing. The user terminal of the user who uses the transaction processing that can be executed by the deposit / withdrawal device specifies the position where the deposit / withdrawal device is not actually installed, and the position information of the designated position is used for the transaction processing. A program that functions as a means to attach to.

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