JP6816884B2 - Terminal equipment, automated teller machines, transfer processing methods, programs - Google Patents

Description

The present invention relates to a terminal device, an automated teller machine, a transfer processing method, and a program.

Many electronic commerce technologies are used in which a mobile terminal such as a PC or a smartphone accesses a web server of a product sales site connected to an Internet network based on a user operation to allow the user of the mobile terminal to purchase a product. In the electronic commerce technology, when a user operates a mobile terminal, a web page containing the product is displayed on the display of the mobile terminal, and the user can purchase the product with a credit card number for payment and a bank. You will be required to enter your account number, password, etc. The technique related to the present invention is disclosed in Patent Document 1. The technique of Patent Document 1 discloses a technique that reduces user input during a transfer process, prevents erroneous transfer, and enables continuous transfer efficiency to be improved.

Japanese Unexamined Patent Publication No. 2006-323717

In the above-mentioned electronic commerce, input information such as credit card number, bank account number, password for payment is required, so if such input information is leaked to others, free purchase of goods by a third party is allowed. There was a problem with safety.

Therefore, an object of the present invention is to provide a terminal device, an automated teller machine, a transfer processing method, and a program that solve the above-mentioned problems.

According to the first aspect of the present invention, the automatic cash deposit machine has at least the payment amount information and the transfer destination information based on the code reading device and the code information read from the payment information storage medium by the code reading device. Based on the payment information acquisition unit that acquires the payment information including, the transfer amount deposit device, and the transfer amount specific medium that is the physical medium possessed by the transfer user who uses the own device via the transfer amount deposit device provided in the own device. The transfer amount specific information acquisition unit for acquiring the transfer amount specific information, the guide for acquiring the transfer user's identification information, the guidance for starting the acquisition of the transfer user's biometric information, and the guidance for instructing a predetermined operation regarding the acquisition of the biometric information. It is a dedicated server that performs authentication based on a user information acquisition unit that outputs information, biometric information of the transfer user photographed in response to the output of the guidance information, and biometric information associated with the identification information of the transfer user. When the authentication is successful, the authentication unit that transmits an authentication request including the biometric information of the transfer user to the dedicated server that stores the biometric information and the payment information in association with each other, and the authentication unit that successfully performs the authentication and said It is characterized by including a transfer processing unit that transmits a transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information when the transfer amount specific information can be acquired based on the transfer amount specific medium. To do.

According to the second aspect of the present invention, the transfer processing method is based on the code information read from the payment information storage medium by the automatic cash deposit machine provided with the transfer amount deposit device and the code reading device. Then, the payment information including at least the payment amount information and the transfer destination information is acquired, and the transfer amount specific medium which is the physical medium possessed by the transfer user who uses the own device via the transfer amount deposit device provided in the own device is used. The transfer amount specific information based on the transfer amount is acquired, the identification information of the transfer user is acquired, the guidance for starting the acquisition of the biometric information of the transfer user and the guidance information instructing a predetermined operation regarding the acquisition of the biometric information are output, and the above-mentioned It is a dedicated server that authenticates based on the biometric information of the transfer user in response to the output of the guidance information and the biometric information associated with the identification information of the transfer user, and when the authentication is successful, the biometric information is used. An authentication request including the biometric information of the transfer user is transmitted to the dedicated server that stores the payment information in association with each other, and the biometric information obtained by photographing the transfer user and the transfer user in response to the output of the guidance information. When authentication is performed based on the biometric information associated with the identification information, the authentication is successful, and the transfer amount specific information can be obtained based on the transfer amount specific medium, a transfer request including the settlement amount information is made. It is characterized in that it is transmitted to the transfer destination indicated by the transfer destination information.

According to the third aspect of the present invention, the program is based on the code information read from the payment information storage medium by the computer of the automatic cash deposit machine provided with the transfer amount deposit device and the code reading device. A payment information acquisition means for acquiring payment information including at least payment amount information and transfer destination information, and a transfer that is a physical medium possessed by a transfer user who uses the own device via the transfer amount deposit device provided in the own device. Transfer amount specific information based on amount specific medium Transfer amount specific information acquisition means, acquire identification information of the transfer user, guide the start of acquisition of biometric information of the transfer user, and a predetermined operation related to acquisition of the biometric information. A user information acquisition means that outputs guidance information instructing the user, and a dedicated server that performs authentication based on biometric information obtained by photographing the transfer user and biometric information associated with the transfer user's identification information in response to the output of the guidance information. The authentication means for transmitting the authentication request including the biometric information of the transfer user to the dedicated server that stores the biometric information and the payment information in association with each other when the authentication is successful, the authentication is successful. When the transfer amount specifying information can be acquired based on the transfer amount specifying medium, it functions as a transfer processing means for transmitting a transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information.

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

It is a figure which shows the outline of the transfer system by one Embodiment of this invention. It is a figure which shows a part of the interface of the automatic teller machine according to one Embodiment of this invention. It is a hardware block diagram of the control device of the automatic teller machine according to one Embodiment of this invention. It is a functional block diagram of the control device by one Embodiment of this invention. It is a figure which shows the processing flow of the transfer system by one Embodiment of this invention. It is a figure which shows the minimum structure of the control device provided in the automatic teller machine according to one Embodiment of this invention.

Hereinafter, a transfer system including an automated teller machine according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram showing an outline of a transfer system provided with an automated teller machine according to the same embodiment.
As shown in this figure, the transfer system 100 includes at least an automated teller machine 1 and a payment system 2, which are examples of terminal devices. The automated teller machine 1 has a first camera 51 that captures the face of the transfer user who is the transferor, and a second camera that includes the transfer user and includes the back of the user and both sides of the user within the angle of view. The two cameras 52 may be provided. The automatic teller machine 1 and the dedicated server 5 may be connected to the payment system 2 via communication or directly. The payment system 2 exerts the function of electronic commerce in cooperation with the web server of the product sales site. The automated teller machine 1 may be connected to the banking system 4 via a dedicated server 5 or directly.

FIG. 2 is a diagram showing a part of the interface of an automated teller machine.
As shown in FIG. 2, the automatic teller machine 1 includes a main display 11, an NFC (Near field communication) antenna 12, a small display 13, a code reader 14, a third camera 15, a money slot 16, a card slot 17, and a receipt. It is provided with an exit 18 and the like. Although not shown in FIG. 2, the automatic teller machine 1 has other hardware configurations such as the first camera and the second camera described above, as well as a sub-display, a speaker, and a numeric keypad provided above the main display 11. , Etc. are provided, but for convenience of explanation, detailed description thereof will be omitted. The code reader 14 and the NFC antenna 12 are one aspect of the code reader.

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

FIG. 3 is a hardware configuration diagram of a control device for an automated teller machine.
As shown in this figure, the control device 10 includes a CPU (Central Processing Unit) 10-1, a ROM (Read Only Memory) 10-2, a RAM (Random Access Memory) 10-3, and an SSD (Solid State Drive) 10-4. It is a computer equipped with various hardware such as communication modules 10-5. The control device 10 controls each of the above-mentioned hardware.

FIG. 4 is a functional block diagram of the control device.
The control device 10 is activated when the power is turned on to the automatic teller machine 1, and executes a management program stored in advance. As a result, the control device 10 is provided with functional units such as a control unit 101, a payment information acquisition unit 102, a transfer amount specific information acquisition unit 103, a user information acquisition unit 104, an authentication unit 105, and a transfer processing unit 106.
The control unit 101 controls other functional units in addition to the control of the conventional automatic teller machine 1.
The payment information acquisition unit 102 acquires payment information including at least payment amount information and transfer destination information from the payment information storage medium. The payment information storage medium is a paper medium such as a payment slip on which code information corresponding to the payment information is printed, a mobile terminal 3 or the like that stores the payment information.
The transfer amount specific information acquisition unit 103 acquires the transfer amount specific information based on the transfer amount specific medium, which is a physical medium possessed by the transfer user who uses the own machine, via the transfer amount deposit device provided in the automatic teller machine 1. .. The transfer amount deposit device is an automated teller machine 1 that requests the bank system 4 to withdraw money from a user's account such as a transfer user using an IC card drawn from a money slot 16, an NFC antenna 12, or a card slot 17. Equipment, etc. provided in. The transfer amount specifying medium may be the banknote itself, or an IC card or other NFC card issued at the time of opening a bank account.
The user information acquisition unit 104 acquires the identification information of the transfer user who uses the own device. It may be read from the identification information of the transfer user, the mobile terminal 3, the IC card, or the like.
The authentication unit 105 authenticates based on the biometric information acquired by the own device from the transfer user and the biometric information recorded in advance in association with the identification information of the transfer user. In the present embodiment, the biological information indicates a facial image or feature information of the facial image, but biological information such as a fingerprint or a glow may be used.
When the authentication is successful and the transfer amount specific information can be acquired based on the transfer amount specific medium, the transfer processing unit 106 transmits a transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information.
The transfer destination is a payment system 2 or a bank system 4.

The user uses the mobile terminal 3 to access the web page of the product sales site provided by the web server function of the payment system 2, and purchases the product in the web page displayed on the mobile terminal 3. At this time, the mobile terminal 3 transmits a purchase request to the payment system 2 of the product sales site. When the payment system 2 receives the purchase request, it generates code information of payment information including at least payment amount information, transfer destination information, and transfer source information of the purchased product specified from the purchase request. The code information is bar code or two-dimensional code information. The payment system 2 transmits this code information to the mobile terminal 3. The user of the mobile terminal 3 (transfer amount specifying medium), which is a physical medium possessed by the transfer user who uses the own device, displays the code information on the mobile terminal 3 and causes the code reader 14 of the automated teller machine 1 to read it. Alternatively, when the mobile terminal 3 is a terminal having an NFC function, the NFC antenna 12 of the payment system 2 may be made to read. The automatic teller machine 1 uses the first camera 51 to take a face image of the transfer user. When the automatic teller machine 1 is successfully authenticated based on the transfer user's face image, the automated teller machine 1 uses the acquired code information and the money (transfer amount specifying medium) received from the money slot 16 or the like. Perform transfer processing. Alternatively, the automated teller machine 1 performs a transfer process using the acquired code information and the monetary information electronically read from the transfer amount specifying medium. As a result, the user can access the payment system 2 and proceed with the payment of the purchased product without inputting input information such as a credit card number, a bank account number, and a password on the approval screen displayed on the mobile terminal 3.

FIG. 5 is a diagram showing a processing flow of the transfer system according to the present embodiment.
Next, the processing flow of the transfer system will be described.
The payment system 2 acquires a purchase request from the web server function that provides the product sales site (step S501). The purchase request includes payment amount information, transfer destination information, user ID, purchased product ID, and the like. The payment system 2 generates code information corresponding to payment information including at least payment amount information, transfer destination information, and transfer source information of the purchased product specified from the purchase request (step S502). In the present embodiment, the transfer source information may be the ID of the user who purchases the product. The payment system 2 transmits payment instruction information including code information to the mobile terminal 3 (step S503). The mobile terminal 3 receives the payment instruction information. The payment system 2 may send the payment instruction information as a web page, or may store it in an e-mail address and send it. Alternatively, the payment system 2 may transmit the URL to the web page displaying the payment instruction information to the mobile terminal 3. The payment instruction information includes a guide text. This guidance text includes a text instructing the automatic teller machine 1 to read the code information and perform the transfer process. The mobile terminal 3 may be a mobile terminal 3 owned by the user who purchased the product, or may be a mobile terminal 3 owned by a third party. The user may select or input information that specifies the mobile terminal 3 in the selection field or input field of the mobile terminal 3 to which the payment instruction information is transmitted in the web page transmitted from the web server of the product sales site. This information may be notified to the payment system 2 and the payment instruction information may be transmitted to the mobile terminal 3 desired by the user. Hereinafter, the user who possesses the mobile terminal 3 to which the payment instruction information is transmitted is referred to as a transfer user.

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

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

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

The payment information acquisition unit 102 may acquire the code information by another payment information acquisition control. For example, some mobile terminals 3 have an NFC function. Therefore, for example, the payment information acquisition unit 102 activates the NFC antenna 12 to display a guidance screen instructing the small display 13 to place the surface of the mobile terminal 3 provided with the NFC function on the pedestal surface of the horizontal pedestal unit 91. .. The transfer user places the mobile terminal 3 on the surface provided with the NFC function so as to match the pedestal surface. The NFC antenna 12 wirelessly reads the two-dimensional code displayed on the mobile terminal 3. The NFC antenna 12 transmits the code information included in the read two-dimensional code to the payment information acquisition unit 102.

The payment information acquisition unit 102 may acquire a part of the information included in the payment information from the numeric keypad of the automated teller machine 1. For example, the transaction number for specifying the transfer source information included in the payment information may be obtained from the numeric keypad.

The payment information acquisition unit 102 may perform any of the above payment information acquisition controls, or may simultaneously perform a plurality of payment information acquisition controls to code from either the NFC antenna 12 or the code reader 14. When the information is received, the payment information acquisition control may be terminated.

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

The user information acquisition unit 104 described above acquires user identification information for identifying a user in parallel with the processing by the payment information acquisition unit 102 or after the processing is completed (step S507). As the user identification information, the code information may be acquired from the payment information acquisition unit 102 and the user identification information included in the code information may be specified, or the user identification information may be acquired from the numeric keypad based on the user input of the numeric keypad. You may. Alternatively, the user information acquisition unit 104 inquires of the payment system 2 for the user identification information corresponding to the transaction number based on the transaction number input from the numeric keypad via the dedicated server 5, and as a result, the returned user identification information is returned. May be obtained. Since the user identification information referred to here is identification information that identifies the user who purchased the product by the payment system 2, the user identification information managed by the automated teller machine 1 may be acquired in advance. For example, the payment information acquisition unit 102 may acquire the face image of the transfer user taken by the first camera 51, and acquire the feature information of the face image and the user identification information calculated by using the feature information. The user information acquisition unit 104 transmits an authentication request including user identification information, a face image, and feature information of the face image to the dedicated server 5 (step S508). The user information acquisition unit 104 may control the first camera 51 to output a guidance screen for starting shooting to the main display 11 when shooting a face image of the transfer user. As a result, a guidance screen is output to the main display 11. The guidance screen is video information that prompts the user to stand facing the automated teller machine 1 and turn his / her line of sight to the first camera 51. The user information acquisition unit 104 may output the guidance voice corresponding to the video information from the speaker.

The dedicated server 5 authenticates using the user identification information, the face image, and the feature information of the face image included in the authentication request. The authentication may be a process of determining whether or not the face image and its feature information stored in advance in a database or the like match as a result of comparison with the face image and its feature information included in the authentication request. If they match, it means that the authentication was successful, and if they do not match, it means that the authentication was unsuccessful. Alternatively, the authentication may be a process of recording the user identification information, the face image, and the feature information included in the authentication request in the database. When recording the user identification information, the face image, and the feature information in the database, the dedicated server 5 records the payment information further included in the authentication request in the database in association with the payment information, so that the transfer user who made the transfer can use the transfer information. You can create a situation where you can confirm that you have made the transfer at a later date. In this case, it is confirmed that the face image is a photographed image of the face facing the camera, and the information about the face image is recorded, which means that the authentication is successful. The dedicated server 5 transmits an authentication result indicating successful or unsuccessful authentication to the automated teller machine 1.

When the authentication unit 105 acquires an authentication result indicating successful authentication, the authentication unit 105 outputs the authentication result to the transfer processing unit 106. Further, the authentication unit 105 notifies the control unit 101 of the end of the authentication process. When the authentication result indicates that the authentication is unsuccessful, the control unit 101 outputs a notification screen notifying the transfer user that the transfer is impossible. When the transfer user recognizes that the transfer is impossible, he / she makes the mobile terminal 3 access the product sales site and performs an operation of attempting payment by another method. When the authentication result indicates that the authentication is successful, the control unit 101 instructs the transfer amount identification information acquisition unit 103 to start the process.

The transfer amount specific information acquisition unit 103 controls the transfer amount specific information acquisition control for the main display 11 and the money slot 16 (step S509). In the transfer amount specific information acquisition control, the transfer amount specific information acquisition unit 103 controls to control the door of the money input port 16 from closed to open. Further, the transfer amount specifying information acquisition unit 103 displays a guidance screen on the main display 11 for guiding the money (banknotes and coins) as an example of the transfer amount specifying medium to the money insertion slot 16. The money insertion slot 16 detects that money has been inserted, counts the amount of money inserted, and outputs transfer amount identification information indicating the total amount of the amount to the transfer amount identification information acquisition unit 103.

The transfer amount specific information acquisition unit 103 may acquire the transfer amount specific information by another transfer amount specific information acquisition control. For example, the transfer amount specific information acquisition unit 103 activates the NFC antenna 12, and outputs a payment instruction including the settlement amount to the NFC antenna 12. The transfer amount specific information acquisition unit 103 holds an IC card as an example of the transfer amount specific medium in which electronic money information (which may be point information or cryptocurrency information that can be converted into an amount) is stored in the NFC antenna 12. A guidance screen instructing the user is displayed on the main display 11. The transfer user holds the IC card over the NFC antenna 12. The NFC antenna 12 performs a payment process for acquiring the payment amount included in the payment instruction from the IC card. The deposit process itself may be performed by a known technique. The NFC antenna 12 outputs the transfer amount specifying information indicating the settlement amount to the transfer amount specifying information acquisition unit 103. In addition, the transfer amount specific information acquisition unit 103 may perform any of the above-mentioned transfer amount specific information acquisition control, or perform the plurality of transfer amount specific information acquisition control at the same time, and the money input port 16 or the NFC. When the transfer amount specific information is received from any of the antennas 12, the transfer amount specific information acquisition control may be terminated. The transfer user may insert an IC card issued by the bank when opening an account as an example of the transfer amount specifying medium.

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

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

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

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

When the payment is completed, the bank system 4 and the payment system 2 transmit the payment completion to the automated teller machine 1. The transfer processing unit 106 of the automated teller machine 1 controls to discharge the receipt indicating the end of payment from the receipt discharge port 18 (step S512).

According to the above processing, the user accesses the web server of the product sales site and purchases the product without inputting input information such as a credit card number, a bank account number, and a password on the approval screen displayed on the mobile terminal 3. Can be settled using the automatic teller machine 1. In addition, even if the transfer user does not open a bank account, it is possible to transfer the payment amount of the product purchased on the product sales site. Since the automatic teller machine 1 is secured by its own network and dedicated design, the user can enjoy the payment service in the protected environment. In addition, by physically paying the required amount of payment each time a product is purchased, even if fraudulent damage occurs, the leakage of credit card numbers, bank account numbers, passwords, etc. will be reduced, so the scale of the damage will be reduced. Can be limited. After performing the above-mentioned transfer processing, the automated teller machine 1 may send a consideration request including consideration for the transfer processing to the settlement system 2. As a result, a new service using the automated teller machine 1 and profits from the service can be expected.

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

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

In the above description, the automated teller machine 1 is used, but the automated teller machine 1 is an example of a terminal device, and the terminal device other than the automated teller machine 1 is the automated teller machine 1 described above. The same processing may be performed with the same configuration as the above. In this case, the terminal device includes the above-mentioned control device 10.

The above-mentioned automated teller machine 1 has a computer system inside. The process of each process described above is stored in a computer-readable recording medium in the form of a program, and the process is performed by the computer reading and executing this program. Here, the computer-readable recording medium refers to a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, or the like. Further, this computer program may be distributed to a computer via a communication line, and the computer receiving the distribution may execute the program.

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

1 ... Automatic teller machine 2 ... Payment system 3 ... Mobile terminal 4 ... Bank system 5 ... Dedicated server 51 ... First camera 52 ... Second camera 10 ... Control device 11 ... Main display 12 ... NFC antenna 13 ... Small display 14 ... Code reader 15 ... Third camera 16 ... Money slot 17 ... Card slot 18 ... -Receipt discharge port 101 ... Control unit 102 ... Payment information acquisition unit 103 ... Transfer amount specific information acquisition unit 104 ... User information acquisition unit 105 ... Authentication unit 106 ... Transfer processing unit

Claims (7)

With a code reader
A payment information acquisition unit that acquires payment information including at least payment amount information and transfer destination information based on the code information read from the payment information storage medium by the code reading device.
Transfer amount deposit device and
The transfer amount specific information acquisition unit that acquires the transfer amount specific information based on the transfer amount specific medium, which is the physical medium possessed by the transfer user who uses the own device through the transfer amount deposit device provided in the own device.
A user information acquisition unit that acquires the identification information of the transfer user and outputs guidance information for starting acquisition of the biometric information of the transfer user and instructing a predetermined operation related to the acquisition of the biometric information.
It is a dedicated server that authenticates based on the biometric information obtained by photographing the transfer user in response to the output of the guidance information and the biometric information associated with the identification information of the transfer user, and when the authentication is successful, the biometric information And the authentication unit that transmits an authentication request including the biometric information of the transfer user to the dedicated server that stores the payment information in association with each other.
When the authentication is successful and the transfer amount specifying information can be acquired based on the transfer amount specifying medium, the transfer processing unit that transmits the transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information. ,
Automatic teller machine equipped with. The code reader
The automated teller machine according to claim 1, which reads the code information displayed on the display of the mobile terminal. The code reader
The automated teller machine according to claim 1, which reads the code information printed on a paper medium. The payment information includes the transfer source information,
The transfer processing unit
The automated teller machine according to any one of claims 1 to 3, which transmits the transfer request including at least the settlement amount information, the transfer destination information, and the transfer source information to a bank system connected by communication. .. The payment information includes the transfer source information,
The transfer processing unit
The method according to any one of claims 1 to 3, wherein the transfer request including at least the payment amount information and the transfer source information is transmitted to the payment system of the transfer destination connected by communication corresponding to the transfer destination information. Automatic teller machine. An automated teller machine equipped with a transfer amount deposit device and a code reader
Based on the code information read from the payment information storage medium by the code reading device, the payment information including at least the payment amount information and the transfer destination information is acquired, and the payment information is acquired.
The transfer amount specific information based on the transfer amount specific medium, which is the physical medium possessed by the transfer user who uses the own device, is acquired through the transfer amount deposit device provided in the own device.
The identification information of the transfer user is acquired, and guidance for starting acquisition of the biometric information of the transfer user and guidance information for instructing a predetermined operation regarding the acquisition of the biometric information are output.
It is a dedicated server that authenticates based on the biometric information obtained by photographing the transfer user in response to the output of the guidance information and the biometric information associated with the identification information of the transfer user, and when the authentication is successful, the biometric information And the payment information are linked and stored, and an authentication request including the biometric information of the transfer user is transmitted to the dedicated server.
Authentication is performed based on the biometric information obtained by photographing the transfer user and the biometric information associated with the identification information of the transfer user in response to the output of the guidance information.
A transfer processing method for transmitting a transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information when the authentication is successful and the transfer amount identification information can be acquired based on the transfer amount specifying medium. A computer with an automated teller machine equipped with a transfer amount deposit device and a code reader
A payment information acquisition means for acquiring payment information including at least payment amount information and transfer destination information based on the code information read from the payment information storage medium by the code reading device.
Transfer amount specific information acquisition means for acquiring transfer amount specific information based on the transfer amount specific medium, which is a physical medium possessed by a transfer user who uses the own device via the transfer amount deposit device provided in the own device.
A user information acquisition means that acquires the identification information of the transfer user and outputs guidance information for starting acquisition of the biometric information of the transfer user and instructing a predetermined operation regarding the acquisition of the biometric information.
It is a dedicated server that authenticates based on the biometric information obtained by photographing the transfer user in response to the output of the guidance information and the biometric information associated with the identification information of the transfer user, and when the authentication is successful, the biometric information An authentication means for transmitting an authentication request including the biometric information of the transfer user to the dedicated server that stores the payment information in association with each other.
A transfer processing means for transmitting a transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information when the authentication is successful and the transfer amount identification information can be acquired based on the transfer amount identification medium.
A program that functions as.

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