JP6763558B2 - Trading systems, ATMs, servers, trading methods and programs - Google Patents

Description

The present invention relates to a trading system, an automated teller machine (hereinafter referred to as "ATM"), a server, a trading method and a program, and a trading system for conducting a transaction via an ATM. With respect to ATMs in such trading systems, servers that manage accounts related to transactions, and trading methods and programs via ATMs.

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

As a related technique, Patent Document 1 describes a cardless payment system that enables withdrawals from ATMs without using a card.

Further, Patent Document 2 describes an automated teller machine system that enables deposits and withdrawals with an automated teller machine by carrying only a mobile phone without the need for a cash card.

JP-A-2009-245272 Japanese Unexamined Patent Publication No. 2003-123126

All disclosures of the above patent documents shall be renormalized and described in this document. The following analysis was made by the present inventors.

When depositing and withdrawing money from an account of a financial institution such as a bank via an ATM, the user inserts and withdraws a cash card issued by the bank into the ATM. However, it is inconvenient for users to carry multiple cash cards issued for each financial institution or account, and at the same time, there is a risk of losing the cards. In addition, some operating companies such as fund transfer companies, which have been increasing in recent years, have a need to omit issuing cards themselves and provide services to users promptly. As described above, in the transaction service via ATM, it is required that the user does not need to carry the card or the financial institution does not issue the card.

As technologies for responding to such demands, for example, Patent Documents 1 and 2 describe the following mobile terminals (mobile phones, smartphones, etc.) owned by users instead of cards issued by financial institutions when making deposits and withdrawals via ATMs. A technique has been proposed for confirming that the user who owns the terminal actually exists in front of the ATM by using (referred to as "terminal").

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

On the other hand, in the automated teller machine system described in Patent Document 2, the server on the financial institution side transmits the transaction number to the user's terminal, and the user manually inputs the transaction number into the ATM. According to such a system, it takes time to exchange the transaction number issued by the server between the server and the user's terminal, which may lead to deterioration of the user's perceived quality as in the system described in Patent Document 1. .. Further, according to such a system, the user needs to manually input the transaction number, and the user is required to perform complicated input work.

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

The trading system according to the first aspect of the present invention includes an ATM and a first server that manages an account related to transactions performed by a user via the ATM. The ATM generates information including a first identifier that identifies the ATM as cooperation information, and transmits the generated cooperation information to the first server. The first server receives the cooperation information read from the ATM by the terminal owned by the user from the terminal, collates the cooperation information received from the ATM with the cooperation information received from the terminal, and collates the cooperation information. Judge whether the transaction is permitted or not.

The ATM according to the second aspect of the present invention has a generation unit that generates information including a first identifier that identifies the ATM as cooperation information, and a first unit that manages an account related to a transaction performed by a user via the ATM. The first server collates and determines the communication unit that transmits the cooperation information to the server, the cooperation information read from the ATM by the terminal owned by the user, and the cooperation information received from the ATM. It includes a trading unit that executes or suspends the transaction according to the result of permission or disapproval of the transaction.

The server according to the third aspect of the present invention contains information including a management unit that manages an account related to a transaction performed by a user via an ATM and a first identifier that identifies the ATM, which is generated by the ATM. A communication unit that receives as cooperation information from the ATM and receives the cooperation information read from the ATM by the terminal owned by the user from the terminal, and the cooperation information received from the ATM and the cooperation information received from the terminal. Is provided, and a determination unit for determining whether or not the transaction is permitted is provided.

The trading method according to the fourth aspect of the present invention is a trading method in a trading system including an ATM and a first server that manages an account related to a transaction performed by a user via the ATM. Such a transaction method includes a step in which the ATM generates information including a first identifier that identifies the ATM as cooperation information and transmits the generated cooperation information to the first server, and the first server The step of receiving the cooperation information read from the ATM by the terminal owned by the user is collated with the cooperation information received from the ATM by the first server and the cooperation information received from the terminal. The step of determining the permission or disapproval of the transaction includes.

In the transaction method according to the fifth aspect of the present invention, the ATM manages a step of generating information including a first identifier that identifies the ATM as cooperation information and an account related to a transaction performed by a user via the ATM. The first server collates the step of transmitting the cooperation information to the first server, the cooperation information read from the ATM by the terminal owned by the user, and the cooperation information received from the ATM. The step includes a step of executing or stopping the transaction according to the result of the permission or disapproval of the transaction determined in the above.

The transaction method according to the sixth aspect of the present invention is a transaction method by a server that manages an account related to a transaction performed by a user via an ATM, and the server identifies the ATM generated by the ATM. A step of receiving information including a first identifier from the ATM as cooperation information, a step of receiving cooperation information read from the ATM by the terminal owned by the user from the terminal, and cooperation information received from the ATM. And the step of collating the cooperation information received from the terminal and determining the permission or disapproval of the transaction.

The program according to the seventh aspect of the present invention is a process of generating information including a first identifier that identifies an ATM as linked information, and a first server that manages an account related to a transaction performed by a user via the ATM. The transaction in which the first server collates and determines the process of transmitting the cooperation information, the cooperation information read from the ATM by the terminal owned by the user, and the cooperation information received from the ATM. The process of executing or stopping the transaction is executed by the computer provided in the ATM according to the result of the permission or disapproval of the ATM.

The program according to the eighth aspect of the present invention is a first method of identifying the ATM generated by the ATM with respect to a computer provided in a server that manages an account related to a transaction performed by a user via the ATM. The process of receiving information including an identifier from the ATM as cooperation information, the process of receiving the cooperation information read from the ATM by the terminal owned by the user from the terminal, the cooperation information received from the ATM and the terminal. The process of determining the permission or disapproval of the transaction by collating with the cooperation information received from the above is executed.

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

According to the trading system, ATM, server, trading method and program according to the present invention, it is possible to realize high-speed cardless trading via ATM without significantly modifying the ATM.

It is a figure which shows the structure of the trading system which concerns on one Embodiment. It is a block diagram which illustrates the structure of the trading system which concerns on 1st Embodiment. It is a figure which illustrates the structure of the table held by the management part of the transaction center server in the transaction system which concerns on embodiment. It is a sequence diagram which illustrates the withdrawal operation of the trading system which concerns on 1st Embodiment. It is a sequence diagram which illustrates the deposit operation of the trading system which concerns on 1st Embodiment. It is a block diagram which illustrates the structure of the trading system which concerns on 2nd Embodiment. It is a sequence diagram which illustrates the withdrawal operation of the trading system which concerns on 2nd Embodiment.

First, an outline of one embodiment will be described. It should be noted that the drawing reference reference numerals added to this outline are merely examples for facilitating understanding, and the present invention is not intended to be limited to the illustrated embodiment.

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

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

In the trading system of one embodiment, the cooperation information generated by the ATM and the cooperation information received from the terminal of the user who has read the cooperation information from the ATM are collated by the first server. As a result, it is possible to confirm that the user who conducts the transaction via the ATM actually exists in front of the ATM, and the user can execute the transaction via the ATM using his / her own terminal without carrying a card. Can be done.

Further, in the trading system of one embodiment, the user's terminal reads the identification information generated by the ATM. At this time, it is not necessary to improve the ATM in order to separately provide the QR code reading function on the ATM side.

Further, in the trading system of one embodiment, information including a first identifier (for example, an ATM terminal number) that identifies the ATM by the ATM itself is generated as cooperation information instead of the first server side. According to such a configuration, when the user's terminal (or ATM) requests the identification information (cooperation information) from the server, the server side generates the identification information and sends it to the user's terminal (or ATM). In comparison, the issuance of identification information can be expedited and the quality of experience of the user can be improved.

From the above, according to the trading system of one embodiment, it is possible to realize high-speed cardless trading via an ATM without significantly modifying the ATM.

<Embodiment 1>
Next, the trading system according to the first embodiment will be described with reference to the drawings. In the present embodiment, it is assumed that the user holds an account at a financial institution such as a bank, and a PIN for the account (for example, a PIN associated with the issuance of a cash card) is registered with the financial institution.

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

The ATM 10 is installed in stores such as financial institutions, supermarkets, and convenience stores, and provides various financial transaction services to users. The trading center server 20 is a server held by, for example, a financial institution (for example, a bank, a credit union, a credit union, an agricultural cooperative, a fishery cooperative, securities / life insurance, consumer finance, etc.), and manages a user's account. On the other hand, the brokerage center server 40 is, for example, a server held by a financial institution that operates the ATM 10, and relays the ATM 10 and the transaction center server 20.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

FIG. 3 is a diagram illustrating the configuration of the table held by the management unit 21. Referring to FIG. 3, the table shows "user ID", "store number", "account (deposit) type", "account number", "transaction type (withdrawal / deposit)", and "transaction amount (withdrawal)". Amount) ”and“ cooperation information ”are associated and retained. The configuration of the tables shown in FIG. 3 is merely an example, and the management unit 21 may divide the attributes of these tables into a plurality of tables and hold them.

The communication unit 22 receives the password entered by the user when logging in. Further, when the login is authenticated, the communication unit 32 sends a notification of authentication OK to the user's terminal 30. Further, when the communication unit 22 receives the transaction type and amount from the user terminal 30, these are stored in the table (FIG. 3) of the management unit 21. Further, the communication unit 22 transmits a company number (identifier of the financial institution, identification number of the bank) that identifies the company (financial institution) that manages the transaction center server 20 to the terminal 30. Further, when the communication unit 22 receives the cooperation information read from the ATM 10 by the user terminal 30, the communication unit 22 stores the received cooperation information in the table (FIG. 3) of the management unit 21. Further, the communication unit 22 receives the cooperation information generated by the ATM 10 from the ATM 10 via the brokerage center server 40. Further, the communication unit 22 refers to the table (FIG. 3) held by the management unit 21 and displays the account information indicating the user's account information (for example, information corresponding to the magnetic stripe information of the cash card) and the terminal 30. Notify the ATM 10 of the received transaction type and / or transaction information indicating the amount. Further, when the communication unit 22 permits the withdrawal, the communication unit 22 notifies the ATM 10 to that effect.

The determination unit 23 collates the cooperation information received from the ATM 10 with the cooperation information received from the terminal 30 and determines whether or not the transaction is permitted. If the cooperation information does not match, the determination unit 23 rejects the transaction registered from the user's terminal 30. On the other hand, when these cooperation information match, the determination unit 23 notifies the ATM 10 of the account information and the transaction information via the brokerage center server 40. When the transaction type is withdrawal, the determination unit 23 collates the PIN code of the account related to the transaction with the PIN code input to the ATM 10 received from the ATM 10 via the brokerage center server 40, and both match. If you do, allow transactions (ie withdrawals).

The brokerage center server 40 includes a distribution unit 41.

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

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

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

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

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

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

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

When the user inputs the company number displayed on the display of the terminal 30 into the ATM 10 (step S11), the communication unit 14 of the ATM 10 inputs the company number generated in step S7 (or scrambled information). The number is transmitted to the brokerage center server 40.

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

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

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

When the communication unit 22 of the transaction center server 20 notifies the ATM 10 of the account information and the withdrawal amount with reference to the table (FIG. 3) (step S15), and the user inputs the password into the ATM 10 (step S16), the ATM 10 is displayed. The unit 13 displays the withdrawal amount notified from the transaction center server 20 (step S17).

When the input for confirming the withdrawal amount is received from the user (step S18), the communication unit 14 of the ATM 10 transmits the input PIN to the transaction center server 20 (step S19). The determination unit 23 of the transaction center server 20 confirms whether or not the received PIN and the PIN of the account related to the transaction match (step S20). If the passwords match, the communication unit 22 of the transaction center server 20 notifies the ATM 10 of the withdrawal permission (step S21). If the PINs do not match, the transaction center server 20 notifies the ATM 10 that the withdrawal is refused . Upon receiving the withdrawal permission notification, the trading unit 15 of the ATM 10 performs the withdrawal process according to the withdrawal amount notified from the transaction center server 20 (step S22). The user receives the cash withdrawn from the ATM 10 (step S23).

Withdrawal processing is completed by the above steps.

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

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

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

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

The deposit process is completed by the above steps.

[effect]
In the transaction system of the present embodiment, a transaction is performed using the ATM by collating the cooperation information generated by the ATM with the cooperation information received from the terminal of the user who has read the cooperation information from the ATM by the transaction center server. It is possible to confirm that the user actually exists in front of the ATM. As a result, the user can execute deposits and withdrawals via ATMs using his / her own terminal without carrying a card.

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

Further, in the trading system of the present embodiment, the ATM itself generates the information including the terminal number of the ATM as the cooperation information, not the trading center server side. According to such a configuration, when the user's terminal (or ATM) requests the identification information (cooperation information) from the server, the identification information is generated on the server side and transmitted to the user's terminal (or ATM). In comparison, the ATM can quickly generate the cooperation information and the QR code based on the cooperation information, and can improve the quality of experience of the user.

From the above, according to the trading system of the present embodiment, it is possible to realize high-speed cardless trading via an ATM without significantly modifying the ATM.

Further, in the present embodiment, information including an ATM terminal number, a serial number for identifying a transaction, and / or a reception date / time is generated as cooperation information, and the transaction center server uses such cooperation information. Perform matching. Therefore, according to the present embodiment, there is a user who makes a transaction at an ATM in front of the ATM, as compared with the case where a part of these (for example, only the terminal number of the ATM) is used as the cooperation information for collation. Can be verified more reliably.

Further, in the present embodiment, the company number is notified from the transaction center server to the user's terminal, the user inputs the company number to the ATM, and the ATM sends the company number and the cooperation information to the brokerage center server. In addition, the brokerage center server refers to the company number and distributes the cooperation information to the transaction center server of the financial institution related to the transaction. As a result, the user can execute a cardless transaction using an ATM for each of a plurality of financial institutions holding an account, and the convenience of the user can be greatly improved.

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

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

[Constitution]
FIG. 6 is a block diagram illustrating the configuration of the trading system according to the present embodiment. The present embodiment differs from the configuration of the trading system (FIG. 2) of the first embodiment in that the trading center server 20 further has an issuing unit 24. Further, in the present embodiment, the transaction center server 20 transmits an authentication number (for example, a one-time password) for the transaction to the terminal 30 instead of the password, and the transmitted authentication number and the authentication number input to the ATM 10 are transmitted. By collating, it is judged whether or not the transaction is permitted.

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

Further, the trading center server 20 of the present embodiment is different from the trading center server 20 of the first embodiment in the following points. The issuing unit 24 issues an authentication number for a transaction (for example, withdrawal, deposit, etc.). Further, when the communication unit 22 transmits the company number (bank identification number, etc.) to the terminal 30, the communication unit 22 also transmits the authentication number issued by the issuing unit 24. Further, the determination unit 23 collates the authentication number issued by the issuing unit 24 with the authentication number input to the ATM 10 received from the ATM 10 to determine whether or not the transaction is permitted.

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

Steps S1 to S15 in the withdrawal operation of the present embodiment shown in FIG. 7 are the same as steps S1 to S15 in the withdrawal operation of the first embodiment shown in FIG. However, in step S10 of the withdrawal operation of the present embodiment, the communication unit 22 of the transaction center server 20 transmits the issued authentication number to the terminal 10 together with the company number, and the first embodiment shown in FIG. 4 is issued. It is different from gold operation.

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

Since the deposit operation of the trading system according to the present embodiment is the same as the deposit operation in the first embodiment shown in FIG. 5, the description thereof will be omitted.

[effect]
According to the trading system of the present embodiment, the same effect as the above-mentioned effect brought about by the trading system of the first embodiment is obtained. According to the present embodiment, the user can further execute a cardless transaction via an ATM even for an account of a business company such as a fund transfer company for which a PIN is not set.

Various modifications or improvements can be made to the trading system according to the first and second embodiments. Hereinafter, such a modification will be described.

<Modification example 1>
In the above embodiment, the transaction center server 20 may set an expiration date for transactions (for example, deposits and withdrawals) received from the user's terminal 30.

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

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

<Modification 2>
It is also possible to apply biometrics techniques instead of confirming the PIN or authentication number in the first or second embodiment (steps S16, S19, S20 of FIG. 4 or FIG. 5).

The user registers predetermined information (fingerprint, finger vein, face, iris, voice, handwriting, etc.) in the trading center server 20 in advance, and the trading center server 20 holds the registered information. When the sensor of the ATM 10 receives a notification such as account information from the transaction center server 20 (step S15 in FIGS. 4 and 5), the sensor reads (or accepts) the information corresponding to the above-mentioned pre-registered information from the user. The information is transmitted to the transaction center server 20. The determination unit 23 of the transaction center server 20 collates the received information with the information registered in advance to authenticate the user, and determines whether or not the transaction is permitted according to the authentication result.

According to such a modification, even if the PIN is forgotten, cardless transactions via ATM can be safely realized. Further, according to such a modification, it is possible to prevent another person from being erroneously authenticated as in the case where the personal identification number or the authentication number is leaked. Further, according to such a modification, it is possible to omit the notification of the authentication number from the transaction center server to the terminal and the work of inputting the personal identification number and the authentication number into the ATM by the user, so that the cardless transaction via the ATM can be performed. Further speedup and simplification will be possible.

<Modification example 3>
In the withdrawal operation in the first and second embodiments, the user reconfirms the withdrawal amount registered in advance by the user (step S4 in FIGS. 4 and 7) (step S18 in FIGS. 4 and 7), and in advance. Withdrawal of cash corresponding to the amount registered in (step S22 in FIGS. 4 and 7).

However, the user may want to change the withdrawal amount at the timing of withdrawal. In addition, the balance of cash held by the user in the account may be insufficient (or the withdrawal (or loan) limit allowed by the user may be exceeded) with respect to the withdrawal amount registered in advance. Further, depending on the remaining number of banknotes and coins held by the ATM, there may be a case where the withdrawal amount registered in advance by the user cannot be withdrawn.

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

According to such a modification, it is possible to meet the request of a user who wants to flexibly change the withdrawal amount. In addition, it is possible to deal with exceptional situations such as insufficient balance of accounts, excess withdrawal or loan limit, and shortage of ATM banknotes and coins.

<Modification example 4>
One-dimensional barcodes or other coding techniques may be used instead of the QR code in the first or second embodiment. In addition, instead of the ATM displaying a QR code containing the cooperation information and the terminal reads the cooperation information from the displayed QR code, wireless communication (for example, short-range wireless communication, proximity non-contact communication, etc.) from the ATM to the terminal, etc. ) May be used to transmit cooperation information (or information obtained by scrambling or encrypting cooperation information).

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

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

The entire disclosure contents of the above patent documents shall be renormalized and described in this document. Within the framework of the entire disclosure (including the scope of claims) of the present invention, the embodiments can be changed and adjusted based on the basic technical idea thereof. Further, various combinations or selections of various disclosure elements (including each element of each claim, each element of each embodiment, each element of each drawing, etc.) are possible within the framework of all disclosure of the present invention. is there. That is, it goes without saying that the present invention includes all disclosure including claims, and various modifications and modifications that can be made by those skilled in the art in accordance with the technical idea. In particular, with respect to the numerical range described in this document, it should be interpreted that any numerical value or small range included in the range is specifically described even if there is no other description.

1, 10 ATM
2 First server 3, 30 Terminal 11 Input unit 12 Generation unit 13 Display unit 14 Communication unit 15 Transaction unit 20 Transaction center server 21 Management unit 22 Communication unit 23 Judgment unit 24 Issuer 31 Reading unit 32 Communication unit 33 Display unit 40 Brokerage center server 41 distribution department

Claims (19)

ATM with display and
It is provided with a first server that manages accounts related to transactions performed by users via the ATM.
The ATM is
The cooperation information including the first identifier that identifies the ATM and the second identifier that identifies the transaction is generated, and the generated cooperation information is transmitted to the first server.
Further, the cooperation information is converted into a two-dimensional code and displayed on the display.
The first server is
Accepting a deposit request or withdrawal request from the terminal owned by the user after user authentication,
The cooperation information read from the two-dimensional code displayed on the display of the ATM by the terminal owned by the user is received from the terminal.
The cooperation information received from the ATM is collated with the cooperation information received from the terminal to determine whether or not the transaction is permitted.
An instruction for the deposit request or the withdrawal request based on the determination result of the approval or disapproval of the transaction is transmitted to the ATM.
A trading system characterized by that. The ATM generates cooperation information including the date and time when the transaction is accepted in addition to the first and second identifiers.
The trading system according to claim 1. The ATM displays a QR code including the cooperation information.
The trading system according to claim 1 or 2. The first server notifies the ATM of the account information indicating the account and the transaction information indicating the type and / or amount of the transaction received from the terminal as an instruction for the deposit request or the withdrawal request. ,
The ATM executes the transaction based on the account information and the transaction information.
The trading system according to any one of claims 1 to 3. Multiple primary servers for each of multiple financial institutions,
A second server that distributes the transaction to the plurality of first servers is provided.
One of the plurality of first servers transmits a third identifier that identifies the financial institution corresponding to the one server to the terminal.
The second server receives the third identifier input to the ATM from the ATM, and transmits the cooperation information to the first server corresponding to the financial institution indicated by the third identifier.
The trading system according to any one of claims 1 to 4. The first server transmits an authentication number for the transaction to the terminal, collates the transmitted authentication number with the authentication number input to the ATM received from the ATM, and determines whether or not the transaction is permitted. To do,
The trading system according to any one of claims 1 to 5. With the display
A generator that generates information including a first identifier that identifies an ATM and a second identifier that identifies a transaction as linked information.
A communication unit that transmits the cooperation information to a first server that manages an account related to a transaction performed by a user via the ATM.
A display unit that converts the cooperation information into a two-dimensional code and displays it on the display.
With the cooperation information read from the first server that received the deposit request or the withdrawal request from the terminal owned by the user after user authentication from the two-dimensional code displayed on the ATM by the terminal owned by the user. receives the instruction corresponding to the obtained the determination of whether to authorize transactions results by collating the link information received from the ATM, and a transaction portion for performing or stopping the transaction based on said instruction,
ATM characterized by that. In addition to the first and second identifiers, the generation unit generates cooperation information including the date and time when the transaction is accepted.
The ATM according to claim 7. A display unit for displaying a QR code including the cooperation information is provided.
The ATM according to claim 7 or 8. The communication unit receives the account information indicating the account and the transaction information indicating the type and / or amount of the transaction received from the terminal from the first server.
The trading department executes the transaction based on the account information and the transaction information.
The ATM according to any one of claims 7 to 9. A management department that manages accounts related to transactions performed by users via ATMs,
From the ATM, cooperation information including a first identifier that identifies the ATM and a second identifier that identifies a transaction, which is generated by the ATM, is received, and is read from the ATM by a terminal owned by the user. A communication unit that receives the linked information from the terminal,
It is provided with a determination unit that collates the cooperation information received from the ATM with the cooperation information received from the terminal and determines whether or not the transaction is permitted.
Accepting a deposit request or withdrawal request from the terminal owned by the user after user authentication,
The cooperation information read from the two-dimensional code displayed on the display of the ATM by the terminal owned by the user is received from the terminal, and the cooperation information is received from the terminal.
The cooperation information received from the ATM is collated with the cooperation information received from the terminal to determine whether or not the transaction is permitted.
An instruction for the deposit request or the withdrawal request based on the determination result of the approval or disapproval of the transaction is transmitted to the ATM.
A server that features that. The communication unit receives the cooperation information including the date and time when the transaction is accepted in addition to the first and second identifiers from the ATM.
The server according to claim 11. The communication unit notifies the ATM of the account information indicating the account and the transaction information indicating the type and / or amount of the transaction received from the terminal.
The server according to claim 11 or 12. It has an issuer that issues an authentication number for the transaction.
The communication unit transmits the authentication number to the terminal, and the communication unit transmits the authentication number to the terminal.
The determination unit collates the authentication number issued by the issuing unit with the authentication number input to the ATM received from the ATM, and determines whether or not the transaction is permitted.
The server according to any one of claims 11 to 13. A trading method in a trading system including an ATM and a first server that manages an account related to a transaction performed by a user via the ATM.
A step in which the ATM generates cooperation information including a first identifier that identifies the ATM and a second identifier that identifies a transaction, and transmits the generated cooperation information to the first server.
A step in which the first server receives cooperation information read from a two-dimensional code displayed on an ATM display from a terminal owned by the user.
The first server that receives a deposit request or a withdrawal request from a terminal owned by the user after user authentication collates the cooperation information received from the ATM with the cooperation information received from the terminal, and the above-mentioned determining whether to permit the transaction, and sending an instruction to the said payment request or the withdrawal request based on the determination result of permission of transaction to the ATM,
A trading method characterized by that. A step in which an ATM including a display generates information including a first identifier that identifies the ATM and a second identifier that identifies a transaction as cooperation information.
A step of transmitting the cooperation information to a first server that manages an account related to a transaction performed by a user via the ATM.
A step of converting the cooperation information into a two-dimensional code and displaying it on the display.
With the cooperation information read from the first server that received the deposit request or the withdrawal request from the terminal owned by the user after user authentication from the two-dimensional code displayed on the ATM by the terminal owned by the user. A step of receiving an instruction corresponding to a determination result of permission / rejection of the transaction obtained by collating with the cooperation information received from the ATM and executing or stopping the transaction based on the instruction.
A trading method characterized by that. It is a transaction method by a server that manages accounts related to transactions performed by users via ATMs.
The server
A step of accepting a deposit request or a withdrawal request from a terminal owned by the user after user authentication, and
A step of receiving cooperation information from the ATM, including a first identifier for identifying the ATM and a second identifier for identifying a transaction, generated by the ATM.
A step of receiving the cooperation information read from the two-dimensional code displayed on the display of the ATM by the terminal owned by the user from the terminal, and
A step of collating the cooperation information received from the ATM with the cooperation information received from the terminal to determine whether or not the transaction is permitted.
A step of transmitting an instruction for the deposit request or the withdrawal request based on the determination result of the approval or disapproval of the transaction to the ATM.
A trading method characterized by that. A process of generating information including a first identifier that identifies an ATM and a second identifier that identifies a transaction as linked information, and
A process of transmitting the cooperation information to a first server that manages an account related to a transaction performed by a user via the ATM.
A display, a process of displaying by converting the link information in the two-dimensional code,
The cooperation information read from the ATM by the terminal owned by the user from the first server that received the deposit request or the withdrawal request from the terminal owned by the user after user authentication, and the cooperation received from the ATM. A computer provided in the ATM is made to receive an instruction corresponding to the result of permission or denial of the transaction obtained with the information, and execute or stop the transaction based on the instruction.
A program characterized by that. On a computer installed on a server that manages accounts related to transactions performed by users via ATMs
The process of accepting a deposit request or withdrawal request from a terminal owned by the user after user authentication,
A process of receiving cooperation information from the ATM, including a first identifier for identifying the ATM and a second identifier for identifying a transaction, generated by the ATM.
A process of receiving the cooperation information read from the two-dimensional code displayed on the display of the ATM by the terminal owned by the user from the terminal, and
A process of collating the cooperation information received from the ATM with the cooperation information received from the terminal to determine whether or not the transaction is permitted.
A process of transmitting an instruction for the deposit request or the withdrawal request based on the determination result of the approval or disapproval of the transaction to the ATM is executed.
A program characterized by that.

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