JP4403883B2 - Automated trading system - Google Patents

Description

  The present invention relates to an automatic transaction system that efficiently operates an automatic transaction apparatus such as an automatic teller machine installed in a store such as a financial institution.

For example, if a transaction using a conventional automatic teller machine is a withdrawal transaction, the customer inserts a transaction card, enters a PIN and withdrawal amount, and confirms the transaction. When the customer communicates with the computer and the customer is authenticated, the cash corresponding to the withdrawal amount is discharged from the banknote depositing / withdrawing unit or the coin depositing / withdrawing unit and paid to the customer to complete the transaction (for example, see Patent Document 1). .)
JP 2002-342589 A (2nd page paragraph 0011-3rd page paragraph 0017, FIG. 1)

However, in the above-mentioned conventional technology, the PIN number and transaction amount are entered each time a transaction is made, so when a specific amount is withdrawn multiple times or when the same amount is transferred to the same bank account many times. There is a problem that the same transaction data must be input several times.
In addition, particularly in the case of a transfer transaction, since there are many items to be input, it takes time to process the transaction, and there is a problem that the operating efficiency of the automatic teller machine is lowered.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide means for shortening transaction time by simplifying transaction data input operation in an automatic teller machine.

The present invention, in order to solve the above problems, the automatic transaction system, a web server installed in financial institutions, and an output means of the two-dimensional code, connected via a communication network with the web server customers and the terminal has a two-dimensional code reader, the customer has selected, and an automatic teller machine to automatically perform at least one transaction of withdrawal transaction or a transfer transaction, the web server from the client terminal, hand stage accepting an transaction data consisting of input data that require manual input of the transaction selected by the customer, and hand stage that generates a two-dimensional code based on the transaction data in which the received, the two-dimensional code the generated and a hand stage that sends to the customer terminal, the customer terminal has an input means for inputting the transaction data, two-dimensional code to store the two-dimensional code received from the web server Comprising a storage unit, and means for reading two-dimensional codes stored in the two-dimensional code storing means, by said output means, a manual stage you forms the output of the 2-dimensional code was the reading, the automatic transaction device, by the two-dimensional code reader, the two-dimensional code reading that hand stage two-dimensional code from the output of a hands-stage two-dimensional code read said that converts the transaction data, and the converted And a means for executing the transaction selected by the customer based on the transaction data .

As described above, the present invention generates a two-dimensional code by inputting transaction data in advance, and inputs the transaction data using the transaction data input means as a transaction data input means. It can be simplified, and the effect of shortening the transaction time and improving the operating efficiency of the automatic teller machine can be obtained.
Also, transaction data is input from a homepage established by a financial institution on a communication network, and a two-dimensional code generated by a web server is stored in a storage unit of a customer terminal. By entering transaction data using the two-dimensional code displayed on the display unit of the terminal, it is possible to easily generate a two-dimensional code in which transaction data is recorded, as well as transactions for transfer transactions and withdrawal transactions. Once the data is entered and the two-dimensional code is stored in the storage section of the customer terminal, the same transaction can be repeated any number of times by simply inserting a transaction card for the same transfer or withdrawal transaction. And the convenience of the customer can be improved.

  Embodiments of an automatic transaction system according to the present invention will be described below with reference to the drawings.

1 is a block diagram illustrating a two-dimensional code generation system according to a first embodiment, FIG. 2 is a block diagram illustrating a mobile phone according to the first embodiment, FIG. 3 is a block diagram illustrating an automatic teller machine according to the first embodiment, and FIG. It is a perspective view which shows the automatic teller machine of Example 1. FIG.
In FIG. 1, 1 is a web server installed in a financial institution such as a bank, a postal service corporation, a convenience store (referred to as a financial institution, etc.), and cash as an automatic transaction apparatus to be described later on a communication network 2 such as the Internet. A customer inputs transaction data used in the automatic teller machine 20 and opens a homepage for generating a two-dimensional code.

The web server 1 may be installed in one place by bundling the whole country, or may be installed for each prefecture, for each city, or for each wide area where a plurality of these are collected.
A mobile phone 3 is a mobile terminal as a customer terminal used by a customer, and has a function of connecting to the communication network 2 by a wireless phone.

  Reference numeral 4 denotes a personal computer as a customer terminal used by the customer, a function of connecting to the communication network 2 via a telephone line, a function of accepting customer input by a keyboard, a mouse or the like, and various display screens such as a CRT or LCD And a function for displaying a program executed by the personal computer 4 and various data processing results used therefor.

Reference numeral 5 denotes a printer, which has a function of creating prints by printing print data output from the personal computer 4 on paper.
In FIG. 2, reference numeral 11 denotes a terminal control unit of the mobile phone 3, which controls each unit in the mobile phone 3 to enable telephone communication by the call unit 12 including a microphone, a speaker, and the like, and a wireless communication unit 13. To connect to the communication network 2 to control data communication and the like.

Reference numeral 14 denotes a terminal storage unit having a function of storing a program executed by the terminal control unit 11, various data used for the program, processing results by the terminal control unit 11, and the like.
A display unit 15 has a display screen such as an LCD and has a function of displaying display data such as characters and images generated by the terminal control unit 11.
Reference numeral 16 denotes an input unit, which includes a numeric keypad and various push buttons, and functions as an input means for a customer to input transaction data and the like in addition to a telephone number and the like.

In FIG. 3, reference numeral 20 denotes an automatic teller machine as an automatic transaction apparatus, which is installed in a sales office such as a financial institution or a store such as a post office, and automatically performs cash transactions with customers.
A host computer 21 is a host computer installed in a center of a financial institution or the like, and is connected to an automatic teller machine 20 installed in a store via a communication line 22 such as a dedicated line or a telephone line. The customer account is managed by holding customer information such as the account number of the customer account, its PIN, and the account balance.

A main control unit 23 of the automatic teller machine 20 is connected to the host computer 21 via the communication line 22 by the communication unit 24, and controls each part in the automatic teller machine 20 to execute transaction processing and the like. In addition, it controls data communication and the like.
A storage unit 25 stores a program executed by the main control unit 23, various data used for the program, processing results by the main control unit 23, and the like.

A customer operation unit 26 is provided on the front face of the automatic teller machine 20 and is composed of a combination of a display screen such as an LCD and a position signal detection means such as a touch panel. While displaying an input screen, a screen for prompting the customer's treatment, etc., the position signal detecting means accepts input from the customer.
A card handling unit 27 has a function of reading and writing card information recorded on a magnetic stripe of a transaction card such as a customer's cash card inserted from the card insertion slot 27a and a function of printing a transaction statement. Have.

A bankbook handling unit 28 has a function of reading and writing the bankbook information recorded in the magnetic stripe of the customer's bankbook inserted from the bankbook insertion slot 28a, and a function of recording the transaction contents in the customer's bankbook. ing.
Reference numeral 29 denotes a banknote deposit / withdrawal unit that accepts banknotes inserted by a customer through the banknote deposit / withdrawal port 29a, discriminates and counts them, stores them, counts the banknotes to be paid to the customer, and discharges them from the banknote deposit / withdrawal port 29a. It has a function to deliver to customers.

Reference numeral 30 denotes a coin deposit / withdrawal unit that accepts coins inserted by a customer through a coin deposit / withdrawal port 30a, discriminates and counts them, stores them, counts coins to be paid to the customer, and discharges them from the coin deposit / withdrawal port 30a. It has a function to deliver to customers.
A two-dimensional code reader 31 includes an optical scanner and has a function of reading a two-dimensional code displayed on the display unit 15 of the mobile phone 3 or a two-dimensional code printed on paper.

  The storage unit 25 of the automatic teller machine 20 reads a two-dimensional code obtained by encrypting various transaction data into a normal transaction processing program for performing various transactions with a customer in advance. A business processing program to which a dedicated application program having a function of decoding and converting into normal transaction data converted into characters and numerical values is stored, and is formed by each step of the main control unit 23 and the business processing program. Various functional means are formed as hardware.

The two-dimensional code used in the present embodiment is, for example, a two-dimensional code defined in Japanese Industrial Standards as JIS X 0510, but the encryption method is unique to financial institutions and the like, and is a dedicated application program. It is comprised so that it can be deciphered by using.
Similarly, application programs for communicating between the customer terminal and the storage unit of the web server are stored, and various functional means are provided as hardware formed by executing these steps. It is formed.

The operation of the above configuration will be described.
In the present embodiment, a case where a customer performs a withdrawal transaction using the mobile phone 3 as a customer terminal will be described as an example.
Hereinafter, the two-dimensional code generation process of the present embodiment will be described according to the steps with reference to the flowchart shown in FIG. The step name is SK for the mobile phone 3 and SW for the web server 1.

SK 1, the customer is a financial institution or the like homepage that the web server 1 of the financial institution or the like is opened on the communication network 2 by the mobile phone 3 used by the customer before the transaction at the cash dispenser 20 in the store of the financial institution or the like The URL (Uniform Resource Locator) of the web page for creating the transaction data is input using the input unit 16.
Receiving this input, the terminal control unit 11 of the mobile phone 3 transmits a web page transmission request describing the input URL to the web server 1 via the communication network 2 by the wireless communication unit 13.

SW1, web server 1 that has received the web page transmission request accepts this, and includes a web page corresponding to the received URL, a web including an input screen for inputting transaction data used in automatic teller machine 20 in this embodiment. The page is wirelessly transmitted to the transmission source mobile phone 3 via the communication network 2.
The terminal control unit 11 that has received the web page from the SK 2 and the web server 1 by the wireless communication unit 13 displays the received web page on the display unit 15.

The screen of the display unit 15 displays a part for selecting a transaction type such as a withdrawal transaction or a transfer transaction, and the customer uses the input unit 16 for a transaction performed by the automatic teller machine 20, in this embodiment, a withdrawal transaction. To select.
SK3, the terminal control unit 11 recognizing this, scrolls to the input screen of the transaction data linked on the web page, in this embodiment the input screen of the withdrawal transaction, and displays the input screen on the display unit 13. indicate.

On the transaction data input screen of the withdrawal transaction, a PIN number input field, a withdrawal amount input field, a selection column for necessity of transaction details slip, and the like are displayed, and the customer uses the input unit 16 to verify the customer's account password. Enter the number, withdrawal amount, selection of necessity of transaction statement slip, etc., and confirm operation.
SK4, the terminal control unit 11 that has recognized the customer's confirmation operation selects the selection of the input transaction data, in this embodiment the PIN number, the withdrawal amount, and the transaction details slip via the communication network 2. Send to.

SW2, the web server 1 that has received the transaction data accepts this, forms a matrix pattern that is the basis of the two-dimensional code based on the received transaction data, and superimposes a unique encryption pattern such as a financial institution on this 2 Generate dimension code.
After completing the generation of the SW3 and the two-dimensional code, the web server 1 transmits the generated two-dimensional code to the transmission source mobile phone 3 via the communication network 2.

And the web server 1 returns to step SW1 via the connector A, and continues the process of steps SW1-SW3.
The terminal control unit 11 that has received the SK5 and the two-dimensional code from the web server 1 stores it in the terminal storage unit 14. In the present embodiment, the stored two-dimensional code is displayed on the display screen of the display unit 15, thereby forming transaction data input means for the automatic teller machine 20 of the present embodiment.

In this case, the two-dimensional code stored in the terminal storage unit 14 may be stored with a title.
Thereafter, the terminal control unit 11 terminates the connection with the web server 1 by the customer's termination operation, and the above two-dimensional code generation process is terminated.
FIG. 6 shows an operation when the customer who stores the two-dimensional code describing the transaction data in the terminal storage unit 14 of the mobile phone 3 performs a withdrawal transaction using the automatic teller machine 20 in this manner. A description will be given according to the steps indicated by S using the flowchart.

S1, The main control unit 23 of the automatic teller machine 20 installed in a store such as a financial institution displays a transaction selection screen on the screen of the customer operation unit 26 by a business processing program and is on standby.
On the transaction selection screen, a message prompting you to press the transaction button, a “draw” button for withdrawal transactions, a “deposit” button for deposit transactions, a “transfer” button for transfer transactions, an account Transaction buttons for selecting transactions such as “Balance inquiry” button for balance inquiry transaction for inquiring balance and “Passbook entry” button for passbook entry transaction for posting unfilled transaction contents in the passbook are displayed. ing.

In this embodiment, the customer selects a withdrawal transaction from the screen of the customer operation unit 26, and presses a “draw” button on the touch panel.
S2, the main control unit 23 that recognizes the transaction selected by the customer as a withdrawal transaction based on a position signal from the touch panel, etc., displays a transaction data input inquiry screen asking whether or not to input the transaction data using a two-dimensional code. .

On the transaction data input inquiry screen, to enter transaction data using a word to prompt selection of transaction data input method, a “normal input” button for inputting transaction data in a normal procedure, and a two-dimensional code "Code input" button etc. are displayed. In this embodiment, the customer presses the “code input” button.
S3, Recognizing that the “code input” button has been pressed, the main control unit 23 displays a card insertion request screen on the screen of the customer operation unit 26 with a message prompting the insertion of a transaction card, and the customer transacts accordingly. The card is inserted into the card insertion slot 27a of the card handling unit 27.

At this time, the main control unit 23 uses the card handling unit 27 to read card information such as a customer account number recorded in the magnetic stripe of the transaction card.
In step S4, the main control unit 23 that has read the card information displays a word on the screen of the customer operation unit 26 prompting the input of transaction data using a two-dimensional code, and prompts the input of the transaction data.
The customer who has confirmed the display contents performs an operation of displaying a two-dimensional code on the display unit 15 of the mobile phone 3 that he / she brought, and the terminal control unit 11 that has detected the operation displays the two-dimensional code stored in the terminal storage unit 14. Is displayed on the display screen of the display unit 15.

The customer puts the two-dimensional code displayed on the display screen over the two-dimensional code reader 31 of the automatic teller machine 20 and inputs transaction data using the two-dimensional code.
At this time, the main control unit 23 reads the two-dimensional code displayed on the display unit 15 of the customer's mobile phone 3 by the two-dimensional code reader 31.
S5 The main control unit 23 that has read the two-dimensional code by the two-dimensional code reader 31 can decrypt the code by using a dedicated application program and handle it as normal transaction data. Convert to data for selection of necessity.

S <b> 6 The main control unit 23, which has decoded the two-dimensional code and recognized transaction data such as a code number and a withdrawal amount, performs a withdrawal transaction exchange process with the host computer 21.
In other words, the main control unit 23 creates a withdrawal transaction message by attaching the recognized personal identification number and withdrawal amount to the card information of the transaction card, and sends it to the host computer 21 via the communication line 22 by the communication unit 24. Send.

  The host computer 21 that has received the withdrawal transaction message searches the customer information based on the card information included in the withdrawal transaction message, and collates the PIN number of the corresponding customer information with the PIN number of the withdrawal transaction message. If the passwords match, the customer is authenticated, and if there is no shortage in the account balance, a transaction permission message is created with a transaction permission message, and the account balance of the corresponding customer information is updated. If the passwords do not match or the account balance is insufficient, a transaction permission message is created with a message indicating that the transaction is not permitted, accompanied by a message to that effect.

The host computer 21 that created the transaction approval / disapproval message transmits it to the automatic teller machine 20 as the transmission source via the communication line 22. The main control unit 23 of the automatic teller machine 20 that has received the transaction propriety message by the communication unit 24 ends the communication process.
S7, the main control unit 23 determines whether or not the transaction is permitted based on the received transaction propriety message. If the transaction is permitted, the process proceeds to step S9. If the transaction is not permitted, the process proceeds to step S8.

S8, the main control unit 23 that has determined that the transaction with the customer is not permitted, the transaction non-permitted screen displaying a message indicating that the transaction is not permitted and a message prompting confirmation of the content on the screen of the customer operation unit 26 Is displayed, and the customer confirms the content and performs a confirmation operation.
Upon detecting this, the main control unit 23 displays a screen prompting receipt of the transaction card, ejects the transaction card from the card insertion slot 27a of the card handling unit 27, returns it to the customer, and confirms that the customer has received it. After confirming, the withdrawal transaction process is terminated, and the process returns to step S1 to display the transaction selection screen on the screen of the customer operation unit 26 and wait.

S9. The main control unit 23 that has determined that the transaction with the customer is permitted executes a withdrawal process.
That is, the main control unit 23 counts and pays out the cash corresponding to the input withdrawal amount from the banknote deposit / withdrawal unit 29 and the coin deposit / withdrawal unit 30, and sends this to the banknote deposit / withdrawal port 29 a and the coin deposit / withdrawal port 30 a. Accumulate and temporarily wait. At the same time, the main control unit 23 refers to the decoded transaction data and, when a transaction statement slip is necessary, creates print data based on the transaction contents and sends it to the card handling unit 27. Print the transaction statement.

S10, the main control unit 23 having finished collecting cash and printing the transaction statement, displays a screen displaying a message prompting receipt of cash, a transaction card, and a transaction statement on the screen of the customer operation unit 26. The banknote deposit / withdrawal port 29a and the coin deposit / withdrawal port 30a are opened to the customer, and the transaction card and transaction statement slip are discharged from the card insertion port 27a.
The main control unit 23 confirms that the customer has received them, ends the withdrawal transaction process, returns to step S1, displays the transaction selection screen on the screen of the customer operation unit 26, and stands by.

In the present embodiment, the case of a withdrawal transaction has been described as an example, but the same applies to other transactions such as a transfer transaction. In the case of a transfer transaction, the customer inputs transaction data such as a personal identification number, transfer destination, transfer amount, and client name in step SK3, and the web server 1 generates a two-dimensional code based on this transaction data.
As described above, in this embodiment, transaction data is input in advance to generate a two-dimensional code, and the transaction data is input on the display screen of the mobile phone displaying the two-dimensional code as transaction data input means. By doing so, the transaction data input operation in the automatic teller machine can be simplified, the transaction time can be shortened, and the operating efficiency of the automatic teller machine can be improved.

  In addition to this, transaction data is input from a web page of a homepage established by a financial institution on a communication network, and a two-dimensional code generated by a web server is stored in a storage unit of a mobile phone. Transaction data is input using the two-dimensional code displayed on the display unit of the mobile phone at the time of the input operation, so that the two-dimensional code describing the transaction data can be easily generated and the transfer transaction If you enter transaction data for payment transactions and store the two-dimensional code in the storage unit of a customer terminal such as a mobile phone, you can use a transaction card for the same transfer or withdrawal transaction. The same content can be transacted as many times as it is inserted, and the convenience of the customer can be improved.

  In addition, withdrawing transactions using an automated teller machine, transactions can be performed simply by inserting a transaction card and inputting transaction data using a two-dimensional code, so that the PIN number and withdrawal amount can be entered and transaction statements. Therefore, it is possible to omit the operation of selecting whether or not the automatic teller machine is required, shorten the transaction time in the withdrawal transaction by the automatic teller machine, and improve the operating efficiency of the automatic teller machine.

  In the present embodiment, the mobile terminal is described as being a mobile phone. However, the mobile terminal is not limited to a mobile phone, and may be a portable information device such as an electronic system notebook or a personal communication device. In this case, in the case of a device that does not have a function of connecting to a communication network by wireless communication, it may be connected to the communication network via a telephone line or the like as in a personal computer described later.

FIG. 7 is a flowchart showing the two-dimensional code generation process of the second embodiment, and FIG. 8 is a flowchart showing the transfer transaction process of the second embodiment.
The configurations of the two-dimensional code generation system and the automatic teller machine 20 of the present embodiment are the same as those of the first embodiment. The same parts as those in the first embodiment are denoted by the same reference numerals, and the description thereof is omitted.

The homepage established by the web server 1 of this embodiment is configured such that the customer can download a unique two-dimensional code generation program such as a financial institution to a customer terminal used by the customer.
The operation of the above configuration will be described.
In this embodiment, a case where a customer performs a transfer transaction using the personal computer 4 as a customer terminal will be described as an example.

In the following, the two-dimensional code generation process of the present embodiment will be described in accordance with the steps using the flowchart shown in FIG. The step name is SKA for the personal computer 4 and SWA for the web server 1.
SKA 1, a customer uses a personal computer 4 used by a customer before a transaction at an automated teller machine 20 in a store such as a financial institution, etc. Is input using a keyboard or the like.

Recognizing this input, the personal computer 4 transmits a homepage connection request describing the input URL to the web server 1 via the communication network 2.
The SWA 1 receives the connection request and the web server 1 receives the connection and downloads the homepage corresponding to the received URL, a two-dimensional code generation program for transaction data used in the cash dispenser 20 in this embodiment. A home page including an input screen is transmitted to the personal computer 4 as a transmission source via the communication network 2.

The personal computer 4 that has received the homepage from the SKA 2 and the web server 1 displays the received homepage on its display screen.
On the screen of the display screen, an operation explanation relating to the download of the two-dimensional code generation program, a “download” button for downloading the two-dimensional code generation program, a “cancel” button for canceling the download, and the like are displayed.

In the present embodiment, the customer presses a “download” button using a keyboard or the like in order to generate a two-dimensional code used at the time of making a transaction with the automatic teller machine 20 at home or the like.
The SKA 3, the personal computer 4 that has recognized that the “download” button has been pressed, transmits a transmission request for the two-dimensional code generation program to the web server 1 via the communication network 2.

The web server 1 that has received the transmission request for the SWA 2 and the two-dimensional code generation program reads the two-dimensional code generation program from a server storage unit (not shown) and transmits it to the personal computer 4 that is the transmission source via the communication network 2 and The web server 1 returns to step SWA1 via the connector B, and continues the processing of steps SWA1 and SWA2.

The personal computer 4 receiving the SKA 4 and the two-dimensional code generation program from the web server 1 terminates the connection with the web server 1 and stores the received two-dimensional code generation program in a personal computer storage unit (not shown).
The personal computer 4 storing the SKA 5 and the two-dimensional code generation program starts up the program by a customer operation, and displays a transaction data input screen on the display screen according to the program, in this embodiment a transfer transaction input screen.

  On the transaction data input screen for transfer transactions, a PIN number input field, transfer destination information input field, transfer amount input field, client information input field, transaction details slip selection field, etc. are displayed. The customer's account PIN and transfer financial institution name and branch name, transfer account number, transferee information such as recipient name, transfer amount, requester information such as the client name and contact information In addition, the selection operation of the necessity of the transaction statement slip is input and the confirmation operation is performed.

  The terminal control unit 11 that has recognized the confirming operation of the SKA 6 and the customer is based on the input transaction data, in this embodiment, the PIN number and the transfer destination information, the transfer amount, the requester information, and the necessity of the transaction statement. A two-dimensional code generation program forms a matrix pattern that is the basis of the two-dimensional code, and a unique encryption pattern of a financial institution or the like is superimposed on the matrix pattern to generate a two-dimensional code.

  The personal computer 4 that has finished generating the SKA 7 and the two-dimensional code stores it in a personal computer storage unit (not shown). Further, the two-dimensional code stored in accordance with the customer's print instruction is read to create print data, which is sent to the printer 5 to print the two-dimensional code on paper. In the present embodiment, the printed matter of the two-dimensional code becomes the transaction data input means of the present embodiment for the automatic teller machine 20 and is printed and formed by the printer 5.

In this case, the two-dimensional code stored in the personal computer storage unit may be stored with a title.
Thereafter, the personal computer 4 terminates the two-dimensional code generation program by the customer's termination operation, and the two-dimensional code generation process is terminated.
In addition, when a customer makes a transaction with the next automated teller machine 20, the execution of the above steps SKA5 to SKA7 forms a two-dimensional code printed matter on which transaction data necessary for the transaction is formed. To.

Steps indicated by SA using the flowchart shown in FIG. 8 for the operation in the case where the customer who formed the printed matter of the two-dimensional code describing the transaction data performs the transfer transaction using the automatic teller machine 20 in this way. It explains according to.
SA1, the main control unit 23 of the automatic teller machine 20 displays the transaction selection screen and stands by in the same manner as in step S1 of the first embodiment.

In this embodiment, the customer selects a transfer transaction from the screen of the customer operation unit 26 and presses the “transfer” button on the touch panel.
S2, the main control unit 23, which has recognized the transaction selected by the customer as a transfer transaction, displays a transaction data input inquiry screen asking for input of transaction data using a two-dimensional code in the same manner as in step S2 of the first embodiment. Press the “Enter Code” button.

SA3, the main control unit 23, which has recognized that the “code input” button has been pressed, displays a card insertion request screen in the same manner as in step S3 of the first embodiment, and the customer inserts a transaction card into the card handling unit 27 according to this. The main control unit 23 reads the card information.
SA4, the main control unit 23 that has read the card information displays a message that prompts the user to input transaction data using a two-dimensional code in the same manner as in step S4 of the first embodiment. The transaction data is input by a two-dimensional code over the two-dimensional code reader 31 of the automatic teller machine 20.

At this time, the main control unit 23 reads the two-dimensional code of the printed matter held by the customer by the two-dimensional code reader 31.
SA5 The main control unit 23 that has read the two-dimensional code decodes the two-dimensional code in the same manner as in step S5 of the first embodiment, and can be handled as normal transaction data, transfer information, transfer amount, It is converted into data for selection of necessity of client information and transaction slip.

S <b> 6 The main control unit 23, which has decoded the two-dimensional code and recognized transaction data such as a password and transfer destination information, performs a transfer transaction process with the host computer 21.
That is, the main control unit 23 creates a transfer transaction message by attaching the PIN number, transfer destination information, transfer amount, requester information, etc. input to the card information of the transaction card. To the host computer 21.

  The host computer 21 that has received the transfer transaction message searches the customer information based on the card information included in the transaction message based on the card information included in the transfer transaction message, and the password of the corresponding customer information and the transfer transaction message. If the PIN matches, the customer is authenticated, the transfer amount and transfer fee are deducted from the customer's account, the customer's account balance is updated, and the transfer is made to the financial institution of the transfer information. Request payment of the transfer amount by attaching the destination information and client information.

The host computer 21 that has finished depositing the transfer amount creates a transfer transaction result notification message indicating that the transfer transaction has ended. If the PINs do not match or if the account balance is insufficient, a transfer transaction result notification message indicating that the transaction has not been established is created.
The host computer 21 that has created the transfer transaction result notification message transmits it to the automatic teller machine 20 that is the transmission source via the communication line 22. The main control unit 23 of the automatic teller machine 20 that has received the transaction propriety message by the communication unit 24 ends the communication process.

S7, the main control unit 23 determines whether or not the transaction is permitted based on the received transfer transaction result notification message. If the transaction is permitted, the process proceeds to step S9. If the transaction is not permitted, the process proceeds to step S8.
S8, the main control unit 23, which has determined that the transaction with the customer is not permitted, displays a transaction non-permitted screen in the same manner as in step S8 of the first embodiment, and a screen prompting receipt of the transaction card when the customer performs a confirmation operation. Is displayed and the transaction card is discharged from the card insertion slot 27a and returned to the customer. After confirming that the customer has received the transaction card, the transfer transaction processing is terminated, and the process returns to step SA1 to display the screen of the customer operation unit 26. Display the transaction selection screen and wait.

  S9, the main control unit 23 that has determined that the transaction with the customer is permitted, refers to the decrypted transaction data, and if a transaction statement slip is required, creates a print data based on the transaction contents and the card handling unit 27 The card handling unit 27 prints the transaction statement slip and displays a screen displaying a message prompting receipt of the transaction card and transaction statement slip on the screen of the customer operation unit 26, and displays the transaction card and transaction statement slip on the card. It is discharged from the insertion port 27a.

The main control unit 23 confirms that the customer has received them, ends the transfer transaction process, returns to step SA1, displays the transaction selection screen on the screen of the customer operation unit 26, and stands by.
In this embodiment, the case of a transfer transaction has been described as an example, but the same applies to other transactions such as a withdrawal transaction. In the case of a withdrawal transaction, the customer inputs transaction data such as a personal identification number and a withdrawal amount in step SKA5 and generates a two-dimensional code based on the personal computer 4 this transaction data.

As described above, in the present embodiment, the same effect as in the first embodiment can be obtained by inputting the transaction data by the printed matter of the two-dimensional code as the transaction data input means.
In addition, a two-dimensional code generation program is downloaded to a customer terminal such as a personal computer from a homepage established by a financial institution on a communication network, and transaction data is input using the two-dimensional code generated by the customer terminal as a printed matter. As a result, it is no longer necessary to access websites of financial institutions each time a two-dimensional code describing transaction data is generated, and it is possible to generate a two-dimensional code more easily, as well as transfer transactions and withdrawal transactions. Once the transaction data for the transaction is entered and the two-dimensional code is stored in the storage unit of the customer terminal such as a personal computer, it is only necessary to insert a transaction card in the case of the same transfer or withdrawal transaction. The same content can be traded as many times as possible, and the convenience of the customer can be improved.

  In addition, in the transfer transaction by the automatic teller machine, the transaction number can only be inserted by inserting the transaction card and inputting the transaction data using a two-dimensional code, so that the PIN number, transfer destination information, transfer amount, and client information can be stored. The input operation and the operation for selecting whether or not the transaction statement slip is necessary can be omitted, and the time required for the transfer transaction by the automatic teller machine can be greatly shortened to improve the operating efficiency of the automatic teller machine.

In the present embodiment, the customer terminal has been described as a personal computer. However, even if the mobile phone described in the first embodiment is used, a two-dimensional code generation program is similarly obtained to generate a two-dimensional code. The same effect can be achieved. The same applies to the case where a personal computer is used in the first embodiment.
In each of the embodiments described above, after selecting a transaction from the transaction selection screen of the automatic teller machine, the input is selected from the transaction data input inquiry screen. However, the transaction type is included when generating the two-dimensional code. Alternatively, a two-dimensional code may be generated, a “code input” button may be provided directly on the transaction selection screen, and a transaction may be executed according to the transaction type of the transaction data read by this selection. This makes it possible to further shorten the transaction time.

  Although the automatic transaction apparatus has been described as an automatic teller machine, the same applies if the present invention is applied to an automatic transaction apparatus that can shorten transaction time by creating transaction data in advance such as an unmanned contract machine. An effect can be obtained.

1 is a block diagram illustrating a two-dimensional code generation system according to a first embodiment. 1 is a block diagram illustrating a mobile phone according to a first embodiment. The block diagram which shows the automatic teller machine of Example 1 The perspective view which shows the automatic teller machine of Example 1 2 is a flowchart showing a two-dimensional code generation process according to the first embodiment. The flowchart which shows the payment transaction processing of Example 1. Flow chart showing the two-dimensional code generation processing of the second embodiment The flowchart which shows the transfer transaction processing of Example 2.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Web server 2 Communication network 3 Mobile phone 4 Personal computer 5 Printer 11 Terminal control part 12 Calling part 13 Wireless communication part 14 Terminal memory | storage part 15 Display part 16 Input part 20 Automatic teller machine 21 Host computer 22 Communication line 23 Main control part 24 communication section 25 storage section 26 customer operation section 27 card handling section 27a card insertion slot 28 passbook handling section 28a passbook insertion slot 29 banknote deposit / withdrawal section 29a banknote deposit / withdrawal slot 30 coin deposit / withdrawal section 30a coin deposit / withdrawal slot 31 two-dimensional code leader

Claims (4)

And the web server, which is installed in financial institutions,
A customer terminal having a two-dimensional code output means and connected to the web server via a communication network;
An automatic transaction apparatus having a two-dimensional code reader and automatically executing at least one of a withdrawal transaction and a transfer transaction selected by a customer ;
The web server is
Hand stage the customer terminal, accepting an transaction data consisting of input data that require manual input of the transaction selected by the customer,
Hand stage that generates a two-dimensional code based on the accepted transaction data,
And a hand stage that sends a two-dimensional code the generated to the customer terminal,
The customer terminal is
An input means for inputting the transaction data;
Two-dimensional code storage means for storing the two-dimensional code received from the web server;
And means for reading two-dimensional codes stored in the two-dimensional code storing means,
By said output means, and a hand stage you forms the output of the 2-dimensional code was the reading,
The automatic transaction apparatus is
By the two-dimensional code reader, a hand stage that reading the 2-dimensional code from the output of the two-dimensional code,
Hand stage that converts the two-dimensional code read the said transaction data,
An automatic transaction system comprising: means for executing the transaction selected by a customer based on the converted transaction data . And the web server, which is installed in financial institutions,
A customer terminal having a two-dimensional code output means and connected to the web server via a communication network;
An automatic transaction apparatus having a two-dimensional code reader and automatically executing at least one of a withdrawal transaction and a transfer transaction selected by a customer ;
The web server is
Hand stage the accepting an connection via the communication network from the customer terminal,
And a hand stage that sends a two-dimensional code generator to the customer terminal which has received the connection,
The customer terminal is
Program storage means for storing a two-dimensional code generation program received from the web server;
An input means for inputting transaction data consisting of input data selected by the customer and requiring manual input of the transaction;
Hand stage that generates a two-dimensional code based on the transaction data by the two-dimensional code generation program stored in the program storage means,
By said output means, and a hand stage you forms the output of the two-dimensional code the generated,
The automatic transaction apparatus is
By the two-dimensional code reader, a hand stage that reading the 2-dimensional code from the output of the two-dimensional code,
Hand stage that converts the two-dimensional code read the said transaction data,
An automatic transaction system comprising: means for executing the transaction selected by a customer based on the converted transaction data . In claim 1 or claim 2,
The customer terminal is a portable terminal having a display unit as output means ,
Automatic transaction system, wherein the output comprises a display screen of the two-dimensional code displayed by the display unit. In claim 1 or claim 2,
The customer terminal is a personal computer equipped with a printer as output means ;
Automatic transaction system, characterized in that the output product is a printed material of a two-dimensional code printed by the printer.

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