JP6829617B2 - Customer trading system and customer trading method - Google Patents

Description

The present invention relates to a customer transaction system及beauty customer transaction method it is possible to achieve a slip-less in the store such as financial institutions.

Conventionally, when a customer visits a store such as a financial institution, a number tag with a reception number of the transaction type desired by the customer is issued, and the customer fills out a slip and receives a receipt number from the counter. When the call is made, the customer goes to the relevant counter, hands over the number tag and slip to the counter staff, and makes a transaction request.

As a background technique related to this type of transaction, for example, in Patent Document 1, a receipt number is assigned to each customer who visits a store, and the waiting status of the customer is managed in association with the receipt number, and information related to a slip to be created is created. And the number of slips by type of carry-on slips are received, the information related to the slips to be created in association with the reception number and the number of slips by type of carry-on slips are managed, and the waiting status of the customer and the slips to be created or carry-in slips are received. A technique for outputting an aggregation result based on the type of slips that have been created is disclosed.

JP-A-2016-091478

However, in the prior art represented by the above-mentioned Patent Document 1, a slip, which is a paper medium, is indispensable, and sliplessness has not been achieved. Some stores these days have an electronic bookkeeping system that inputs the contents of the slip to the terminal device, but if there is a carry-on slip that the customer brings in after filling out the slip in advance. , This carry-on slip has to be processed at the usual counter, and the slip-less system has not been realized. Especially in the case of corporate customers, since the transaction stamp cannot be taken out of the company, it is necessary to bring the slip stamped at the office and the actual item such as cash to the sales office, so such a carry-on slip inevitably exists. The reality is that it is not possible to eliminate slips.

The present invention, said was made in order to solve the problems of the prior art, aims at providing a customer transaction system及beauty customer transaction method capable of reducing the slip-less in the shop, such as financial institutions And.

In order to solve the above-mentioned problems and achieve the object, the present invention comprises a customer terminal device having an imaging unit that captures a transaction slip, a transmission unit that transmits a transaction slip image captured by the imaging unit, and the above. A transaction availability determination unit that determines the transaction availability of the transaction slip image transmitted from the customer terminal device, and a predetermined automatic teller machine that performs money deposit / withdrawal processing corresponding to the transaction slip image determined to be transactionable. It is characterized by including a transaction data generation unit for generating transaction data to be read, and a management device having a transmission unit for transmitting the transaction data to the customer terminal device.

Further, in the present invention, in the above invention, the management device further includes a reference imprint storage unit for storing a reference imprint of the customer's seal stamped on the transaction slip, and the transaction possibility determination unit is the customer terminal device. It is characterized in that the imprint included in the transaction slip image transmitted from the above is collated with the reference imprint of the customer's seal stored in the reference imprint storage unit to determine whether or not the transaction slip can be traded. To do.

Further, in the present invention, in the above invention, the management device further includes a biometric information storage unit that stores biometric information of a customer who conducts a transaction, and the transaction availability determination unit is a biometric information transmitted from the customer terminal device. And, based on the biometric information of the customer stored in the biometric information storage unit, it is characterized in that the possibility of transaction is determined.

Further, the present invention is characterized in that, in the above invention, the transaction data generated by the transaction data generation unit is a one-dimensional code or a two-dimensional code.

Further, the present invention is characterized in that, in the above invention, the transaction data generated by the transaction data generation unit is transaction data relating to a transaction involving cash transfer.

Further, the present invention is characterized in that, in the above invention, the transaction data generated by the transaction data generation unit includes a transaction restriction period in the automatic teller machine.

Further, the present invention is characterized in that, in the above invention, the transaction data generated by the transaction data generation unit includes the installation destination information of the automatic teller machine.

Further, in the above invention, in the above invention, when the transaction data generated by the transaction data generation unit is a transaction involving deposit and withdrawal of money, the deposit amount of money is offset from the withdrawal amount of money. It is characterized by being offset data.

Further, in the present invention, an imaging step of capturing a transaction slip by a customer terminal device, a transmission step of transmitting a transaction slip image captured by the imaging step, and a management device communicably connected to the customer terminal device are provided. , The transaction availability determination process for determining the transaction availability of the transaction slip image transmitted from the customer terminal device, and the management device corresponding to the transaction slip image determined to be transactionable, and the deposit / withdrawal processing of money. The feature is that the management device includes a transaction data generation step of generating transaction data to be read by a predetermined automatic transaction device, and a transmission step of transmitting the transaction data to the customer terminal device. And.

According to the present invention, it is possible to eliminate slips in stores such as financial institutions.

FIG. 1 is an explanatory diagram for explaining the concept of the customer transaction system according to the present embodiment. FIG. 2 is a configuration diagram of a customer transaction system according to this embodiment. FIG. 3 is a configuration diagram of the customer terminal device shown in FIG. FIG. 4 is a configuration diagram of the management device shown in FIG. FIG. 5 is an explanatory diagram showing an example of the device data shown in FIG. FIG. 6 is a diagram showing an example of the user data shown in FIG. FIG. 7 is a diagram showing an example of the transaction data shown in FIG. FIG. 8 is a configuration diagram of the automated teller machine shown in FIG. FIG. 9 is a flowchart showing a processing procedure of the customer transaction system according to the present embodiment. FIG. 10 is a flowchart showing details of processing related to the transaction request shown in FIG. FIG. 11 is a modified example in which the administrator approves the transaction code.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of the customer transaction system及beauty customer transaction method according to the present invention will be described in detail.

<Concept of customer transaction system according to the present invention>
A financial institution such as a bank can process a slip that a customer has filled out and brought in in advance outside the store as a carry-on slip. In this way, when handling paper-based carry-on slips, the counter will handle them. On the other hand, financial institutions provide Internet banking that allows customers to carry out transactions that do not involve cash deposits and withdrawals, such as transfers, without visiting stores.

In the customer transaction system according to the present embodiment, Internet banking can be used to process slips filled out outside the store of a financial institution without using a window.

FIG. 1 is an explanatory diagram for explaining the concept of the customer transaction system according to the present embodiment. FIG. 1 shows the processing when the accounting staff of a corporate customer fills out a necessary item on a slip and stamps a transaction stamp at the company's office. The accounting staff of the corporate customer captures the filled-in and stamped slip by the customer terminal device 10 (S1). The customer terminal device 10 is a terminal device used by an arbitrary customer such as an accountant of a corporate customer. In this embodiment, a case where a smartphone is used as the customer terminal device 10 will be described as an example.

The customer terminal device 10 transmits a transaction request including a slip image obtained by imaging to the management device 20 (S2). The management device 20 is a server device that can communicate with the customer terminal device 10 and is connected to the financial system, and is capable of Internet banking.

When the management device 20 receives the transaction request from the customer terminal device 10, it determines whether or not the transaction is possible (S3). Specifically, the management device 20 determines whether or not a transaction is possible by using user authentication and imprint collation. The management device 20 holds a user ID, a password, an imprint of a registration stamp, and the like. First, user authentication is executed by the user ID and password shown in the transaction request. Then, if the user authentication is successful, the imprint of the registration stamp associated with the user ID is collated with the imprint included in the slip image. As a result of the collation, when the imprint included in the slip image matches the imprint of the registered seal, the management device 20 determines that the transaction is possible.

If it is determined that the transaction is possible, the management device 20 identifies the entry contents of each item by image processing on the slip image, and specifies the transaction contents. Then, a transaction code indicating the content of the specified transaction is generated (S4). The transaction code can be generated not only for transfers but also for transactions involving cash deposits and withdrawals such as deposits and withdrawals, and includes various information necessary for transactions such as account numbers and amounts. Further, when a plurality of transactions are performed, the contents of a plurality of transactions can be included in one transaction code.

The transaction code format is readable by an automated teller machine (ATM). As an example, the data indicating the transaction content may be coded to have confidentiality and then converted into a one-dimensional code (bar code) or a two-dimensional code.

The management device 20 transmits the generated transaction code to the customer terminal device 10 (S5). The customer terminal device 10 can store the transaction code received from the management device 20 and display it on the display unit.

The automatic teller machine 30 can execute various transactions using a cash card, a passbook, or the like, and can further execute a transaction based on a transaction code. Specifically, when the customer carries the customer terminal device 10 and goes to the installation location of the automatic teller machine 30, displays the transaction code on the display unit of the customer terminal device 10 and holds it over the automatic teller machine 30, the automatic teller machine trades. The device 30 captures and reads the transaction code (S6), and executes the transaction of the content indicated by the transaction code by Internet banking. By using Internet banking, it is possible to carry out desired transactions using only a transaction code without using a cash card or passbook.

If the transaction indicated by the transaction code includes deposits and withdrawals, the automated teller machine 30 makes deposits and withdrawals according to the transaction details (S7). Therefore, even a transaction that requires the handling of cash can be executed.

In this way, when the customer terminal device 10 images the slip and transmits the slip image to the management device 20, the management device 20 determines whether or not the transaction is possible from the slip image, and when it is determined that the transaction is possible, the automatic teller machine 30 By generating transaction data that can be read by the ATM and executing the transaction indicated in the transaction code using Internet banking when the automatic teller machine 30 reads the transaction code, processing is possible without using a window. is there.

Further, since deposits and withdrawals can be made by the automatic teller machine 30, transactions including the handling of cash can be executed. Further, on the financial institution side, it is not necessary to process paper-based slips, and slip-less can be achieved.

FIG. 2 is a configuration diagram of a customer transaction system according to this embodiment. As shown in FIG. 2, the management device 20 is connected to the plurality of customer terminal devices 10 and the plurality of automated teller machines 30 via the network N1.

In FIG. 2, the customer terminal device 10a and the customer terminal device 10b are shown as the customer terminal device 10. As the customer terminal device 10, any device such as a smartphone, a personal computer, or a dedicated terminal can be used. The customer terminal device 10 can also be connected via a wireless network.

Further, in FIG. 2, as the automatic teller machine 30, the automatic teller machine 30a and the automatic teller machine 30b are shown. The automated teller machine 30 is installed at an arbitrary location such as a store of a financial institution or a commercial facility.

Further, the management device 20 is connected to the financial system server 40 via the network N2. The financial system server 40 is a server of a financial institution or the like, and the network N2 is a secure network for Internet banking. On the other hand, the network N1 is a predetermined network such as the Internet.

<Explanation of the devices that make up the system>
FIG. 3 is a configuration diagram of the customer terminal device 10 shown in FIG. As shown in FIG. 7, the customer terminal device 10 includes a display unit 11, an input unit 12, a wireless communication unit 13, a GPS signal receiving unit 14, a camera 15, a storage unit 16, and a control unit 17.

The display unit 11 is an output interface such as a liquid crystal panel. The input unit 12 is an input interface such as a key or a touch panel used for an input operation by the operator. The display unit 11 and the input unit 12 may be integrated as a touch panel display.

The wireless communication unit 13 is a communication interface for communicating with the management device 20 and the like. The GPS signal receiving unit 14 is a communication interface for receiving a signal from a GPS (Global Positioning System) artificial satellite. The camera 15 is an imaging device used for imaging slips.

The storage unit 16 is a storage device such as a hard disk device or a non-volatile memory, and stores a transaction code 16a or the like. The transaction code 16a is data received from the management device 20, and is a two-dimensional code in this embodiment.

The control unit 17 is a control unit that controls the customer terminal device 10 as a whole, and includes an account transaction processing unit 17a, a transaction processing management unit 17b, a location information acquisition unit 17c, and a transaction code management unit 17d. Actually, the programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded into the CPU (Central Processing Unit) and executed to execute the account transaction processing unit 17a. , Transaction processing management unit 17b, location information acquisition unit 17c, and transaction code management unit 17d, respectively, to execute the corresponding processes.

The account transaction processing unit 17a is a processing unit that makes a transaction request to the management device 20. Specifically, the account transaction processing unit 17a first acquires information necessary for user authentication from the input unit 12 and the like, and transmits the information to the management device 20. The information required for user authentication is a user ID, password, and the like. Further, the biometric information of the operator may be used as the information for user authentication. For example, the face image of the operator captured by the camera 15 may be used, or a fingerprint sensor or the like may be further provided.

Further, the account transaction processing unit 17a transmits a transaction request including information indicating the contents of the transaction to the management device 20. For example, a slip image is extracted from the imaging result of the camera 15, and the slip image is used as information indicating the content of the transaction. In addition, input of various information such as transaction type, account number, and amount may be received from the input unit 12, and a transaction request may be transmitted as information indicating the transaction content.

The transaction processing management unit 17b is a processing unit that performs processing related to transaction management. Specifically, the transaction processing management unit 17b can specify the automated teller machine 30 used for the transaction. For example, if the position information of the own device acquired by the specific address or the position information acquisition unit 17c is transmitted to the management device 20, the automatic teller machine 30 located in the vicinity thereof is presented and presented as a candidate from the management device 20. The automated teller machine 30 used for trading can be selected from the automated teller machine 30.

In addition, the transaction processing management unit 17b can set a deadline for using the transaction code. The details will be described later, but the transaction code that is overdue is invalidated, and the processing performed on the transaction code is cancelled.

Further, the transaction processing management unit 17b can set the destination of the transaction code. The destination of the transaction code is preferably the address of the own device, but other destinations can be set as needed.

The position information acquisition unit 17c is a processing unit that calculates the position information of the customer terminal device 10 based on the signal received by the GPS signal reception unit 14. The calculated position information is output to the transaction processing management unit 17b and used for designating the automatic teller machine 30 and the like.

The transaction code management unit 17d is a processing unit that manages the transaction code received from the management device 20. First, when the transaction code management unit 17d receives the transaction code from the management device 20, it stores it in the storage unit 16. The transaction code 16a stored in the storage unit 16 can be displayed on the display unit 11 at an arbitrary timing. Further, related information may be associated with the transaction code 16a. For example, by storing the contents, conditions, restrictions, installation location of the designated device, and the like of the transaction in the storage unit 16 in association with the transaction code 16a, the operator can confirm the information at an arbitrary timing.

FIG. 4 is a configuration diagram of the management device 20 shown in FIG. The management device 20 includes a display unit 21, an input unit 22, a financial network communication unit 23, an external network communication unit 24, a storage unit 25, and a control unit 26.

The display unit 21 is a display device such as a liquid crystal display device. The input unit 22 is an input device such as a keyboard and a mouse. The financial network communication unit 23 is an interface unit for connecting to the network N2 and performing data communication with the financial system server 40. The external network communication unit 24 is an interface unit for connecting to the network N1 and performing data communication with the customer terminal device 10, the automatic teller machine 30, and the like.

The storage unit 25 is a storage device such as a hard disk device or a non-volatile memory, and stores device data 25a, user data 25b, and transaction data 25c. The device data 25a is data for managing a device such as an automated teller machine 30 that can be used for trading, and is a device ID, a device type, an installation location, an available time, and an amount of money that uniquely identifies the automated teller machine 30. And so on. The user data 25b is data for managing a customer, and indicates a user ID that uniquely identifies the customer, a password or face image for user authentication, an account number, an imprint of a registration stamp, contact information, and the like. The transaction data 25c is data for managing the transaction requested from the customer terminal device 10, and includes the reception date and time, user ID, code destination, transaction deadline, designated device, transaction details, deposit / withdrawal difference, transaction code, and the like. Shown.

The control unit 26 is a control unit that controls the entire management device 20, and includes a transaction availability determination unit 26a, a plurality of transaction integration unit 26b, a transaction restriction setting unit 26c, a transaction code generation unit 26d, and an account transaction execution unit 26e. Actually, the programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded into the CPU (Central Processing Unit) and executed to execute the transaction passability judgment unit 26a. , Multiple transaction integration unit 26b, transaction restriction setting unit 26c, transaction code generation unit 26d, and account transaction execution unit 26e, respectively, to execute the corresponding processes.

The transaction availability determination unit 26a is a processing unit that determines whether or not a transaction is possible when a transaction request is received from the customer terminal device 10. When the transaction availability determination unit 26a receives the user authentication information (user ID, password, face image, etc.) from the customer terminal device 10, it compares the received information with the user data 25b and executes user authentication. ..

If the user authentication is successful, the transaction availability determination unit 26a collates the imprint of the transaction slip. In this imprint collation, the imprint of the registered seal registered in the user data 25b is collated with the imprint included in the slip image in the transaction request. As a result of the collation, when the imprint included in the slip image matches the imprint of the registered seal, the transaction availability determination unit 26a determines that the transaction is possible.

The transaction availability determination unit 26a identifies the entry contents of each item by image processing on the slip image determined to be transactionable, and specifies the transaction contents.

The multiple transaction integration unit 26b integrates a plurality of transactions indicated by the plurality of transaction slips when a transaction request including a plurality of transaction slips is made, and enables the automatic teller machine 30 or the like to collectively process the plurality of transactions. It is a department. In particular, when there are a plurality of transactions including the handling of cash such as deposits and withdrawals, the multiple transaction integration unit 26b calculates the difference between deposits and withdrawals. For example, if there is a deposit transaction of 480,000 yen and a withdrawal transaction of 100,000 yen, the difference between deposits and withdrawals is 380,000 yen. Therefore, when these transactions are collectively processed by the automated teller machine 30, a deposit of 380,000 yen is sufficient.

The transaction restriction setting unit 26c is a processing unit that sets restrictions on transactions. The transaction restriction setting unit 26c specifies the automatic teller machine 30 used for the transaction and sets the transaction deadline. The transaction restriction setting unit 26c receives the address and location information from the customer terminal device 10, and searches the device data 25a for an automatic teller machine 30 or the like located in the vicinity. Then, referring to the height of the device obtained as the search result, the device having an appropriate height is presented to the customer terminal device 10 as a candidate, and the device selected from the candidates is designated as the designated device. Here, the appropriate amount of money is determined by the difference between deposits and withdrawals. If the difference between deposits and withdrawals indicates withdrawal, it is a condition of proper withdrawal amount to have a withdrawal amount or more. In addition, if the difference between deposits and withdrawals indicates deposits, it is an appropriate condition for the amount of money to be held that more money than the deposit amount can be stored.

If a single device cannot process deposits and withdrawals of transactions, it is possible to specify multiple devices. For example, for withdrawal of 500,000 yen, it is possible to specify that 200,000 yen is withdrawn from the first automated teller machine 30 and 300,000 yen is withdrawn from the second automated teller machine 30.

Further, the amount of money in the automated teller machine 30 may be adjusted by depositing and withdrawing money. For example, if the difference between deposits and withdrawals is deposit, the deposit amount can be used to replenish the deposit amount by designating the automated teller machine 30 whose amount is insufficient. In this way, when deposits and withdrawals can be used to adjust the amount of money in the automated teller machine 30, the customer can give benefits (such as preferential treatment of fees) to the designation of the corresponding automated teller machine 30. You may motivate your choice.

In addition, the transaction restriction setting unit 26c can set a deadline for using the transaction code. The initial value of the transaction deadline, which is the expiration date for using the transaction code, may be indefinite, or a predetermined deadline may be set as the initial value. The transaction deadline can be changed from the customer terminal device 10. Restrictions may be set on the change of the transaction deadline by the customer terminal device 10.

The transaction code generation unit 26d is a processing unit that generates a transaction code indicating the content of the transaction specified by the transaction availability determination unit 26a. The transaction code can be generated not only for transfers but also for transactions involving cash deposits and withdrawals such as deposits and withdrawals, and includes various information necessary for transactions such as account numbers and amounts. Further, when a plurality of transactions are performed, the contents of a plurality of transactions can be included in one transaction code, and the difference between deposits and withdrawals obtained by the multiple transaction integration unit 26b is included in the transaction code.

The transaction code format is readable by an automated teller machine. As an example, the data indicating the transaction content may be coded to have confidentiality and then converted into a one-dimensional code (bar code) or a two-dimensional code.

The transaction code generation unit 26d transmits the generated transaction code to the customer terminal device 10 and registers the generated transaction data in the transaction data 25c. At the time of registration in the transaction data 25c, the transaction code is associated with the reception date / time, user ID, code destination, transaction deadline, designated device, transaction details, deposit / withdrawal difference, and the like. Further, such information may be notified to the customer terminal device 10 as needed.

The account transaction execution unit 26e is a processing unit that executes a transaction according to the transaction code. Specifically, when the automatic teller machine 30 reads the transaction code, the account transaction execution unit 26e receives the transaction code from the automated teller machine 30. Then, the received transaction code and the transaction data 25c are referred to to determine whether or not the transaction can be executed.

In this execution feasibility determination, it is determined whether or not the received transaction code matches the transaction code registered in the transaction data 25c, and if they match, whether it is received from the designated device and whether it is within the transaction deadline. Is determined.

If the registered transaction code is received from the designated device and the transaction deadline has not been exceeded, the account transaction execution unit 26e determines that it is feasible and executes one or more transactions corresponding to the transaction code by Internet banking. .. Then, when deposit / withdrawal is required, deposit / withdrawal permission is transmitted to the automatic teller machine 30 to make deposit / withdrawal.

The account transaction execution unit 26e periodically refers to the transaction data 25c, and if there is a transaction code whose transaction deadline has expired, the transaction code may be invalidated by deleting it. Further, when the transaction code is invalidated due to deletion or the like, the customer terminal device 10 or the like is notified as necessary that the transaction code has been invalidated.

FIG. 5 is an explanatory diagram showing an example of the device data shown in FIG. As shown in FIG. 5, the device data 25a is data associated with a device ID, a device type, an installation location, an available time, an amount of money, etc. that uniquely identifies the automatic teller machine 30.

In FIG. 5, for the device ID "PA0022", the device type "ATM", the installation location "Shibuya, Tokyo ...", the available time "8: 00-24: 00", and the existing amount "10,000 yen bill x 34" , 5000 yen bill x 0 ... "and so on. Here, as the device type, in addition to the automatic teller machine "ATM", another device such as a money changer capable of depositing and withdrawing may be used.

FIG. 6 is a diagram showing an example of the user data shown in FIG. As shown in FIG. 6, the user data 25b is data associated with a user ID that uniquely identifies a customer, a password or face image for user authentication, an account number, an imprint of a registration stamp, a contact information, and the like.

In FIG. 6, the user ID “U0004” is associated with the password “XXXX”, the account number “YYYY”, the face image “FA0004”, the registration imprint “AT0004”, the contact information “ZZ @ ...”, and the like. Is shown.

FIG. 7 is a diagram showing an example of the transaction data shown in FIG. As shown in FIG. 7, the transaction data 25c is data associated with a reception date / time, a user ID, a code destination, a transaction deadline, a designated device, transaction details, a deposit / withdrawal difference, a transaction code, and the like.

In FIG. 7, the reception date and time "2017/01/19 13:05", the user ID "U0004", the code destination "ZZ @ ...", the transaction deadline "2017/02/19 24:00", and the designated device " "PA0022", transaction details "deposit 480000, transfer 180000, transfer 200,000, withdrawal 100,000", deposit / withdrawal difference "deposit 380000", and transaction code "QR001" are associated with each other.

FIG. 8 is a configuration diagram of the automated teller machine 30 shown in FIG. The automatic teller machine 30 includes a display unit 31, an input unit 32, a card reader 33, a code reader 34, a passbook processing unit 35a, a bill processing unit 35b, a coin processing unit 35c, a financial network communication unit 36a, an external network communication unit 36b, and a storage. It has a unit 37 and a control unit 38.

The display unit 31 is an output interface such as a liquid crystal panel. The input unit 32 is an input interface such as a key or a touch panel used for an input operation by the operator. The display unit 31 and the input unit 32 may be integrated as a touch panel display.

The card reader 33 is used to read a cash card. The code reader 34 is used to read the transaction code. For example, if the transaction code is a two-dimensional code, the camera that captures the two-dimensional code is the code reader 34.

The passbook processing unit 35a accepts the input of the passbook and fills in the transaction history. In addition, the passbook processing unit 35a stores a new passbook, and the passbook can be carried over or newly issued.

The banknote processing unit 35b is a unit for depositing and withdrawing banknotes. When the bill processing unit 35b accepts the insertion of bills, the bill processing unit 35b identifies the denomination and the number of inserted bills and stores them in the denomination. In addition, when withdrawal is required, banknotes can be paid out from the storage unit of each denomination.

The coin processing unit 35c is a unit for depositing and withdrawing coins. When the coin processing unit 35c accepts the insertion of coins, the coin processing unit 35c identifies the denomination and the number of inserted coins and stores them in the denomination. In addition, when withdrawal is required, coins can be paid out from the storage unit of each denomination.

The financial network communication unit 36a is an interface unit for connecting to the network N2 and performing data communication with the financial system server 40. The external network communication unit 36b is an interface unit for connecting to the network N1 and performing data communication with the automated teller machine 30 and the like.

The storage unit 37 is a storage device such as a hard disk device or a non-volatile memory, and stores the current data 37a and the like. The amount data 37a indicates the amount of money stored in the banknote processing unit 35b and the coin processing unit 35c by denomination.

The control unit 38 is a control unit that controls the automatic teller machine 30 as a whole, and has an account transaction execution unit 38a and a transaction code processing unit 38b. Actually, the programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded into the CPU (Central Processing Unit) and executed to execute the account transaction execution unit 38a. And the transaction code processing unit 38b are to execute the corresponding processes.

The account transaction execution unit 38a is a processing unit that executes various transactions using a cash card, a passbook, or the like. Specifically, when the card reader 33 accepts a cash card or the passbook processing unit 35a accepts a passbook, an account is specified from the cash card or the passbook, and transactions are performed on the account.

For example, in the case of a transfer transaction, the input unit 32 accepts the input of the password, the transfer destination, and the amount of money, and executes the transfer via the financial network communication unit 36a. Further, in the case of a withdrawal transaction, the input unit 32 accepts the input of the password and the amount of money and withdraws from the bill processing unit 35b. In the case of a deposit transaction, withdrawals are made from the banknote processing unit 35b and the coin processing unit 35c. If you make a transfer, deposit or withdrawal while accepting the passbook, enter the details of the transaction in the passbook and discharge it. When the operation of entering the passbook is accepted, the unfilled transaction is acquired via the financial network communication unit 36a, entered in the passbook, and discharged.

The transaction code processing unit 38b is a processing unit that executes a transaction based on the transaction code. Specifically, when the customer terminal device 10 displaying the transaction code is held by the code reader 34, the code reader 34 captures the transaction code, the transaction code processing unit 38b reads the transaction code, and the external network communication unit. It is transmitted to the management device 20 via 36b.

As described above, the management device 20 executes Internet banking based on the transaction code received from the automated teller machine 30, and grants the automated teller machine 30 a deposit / withdrawal permission when deposit / withdrawal is required. Send. The transaction code processing unit 38b receives the deposit / withdrawal permission from the management device 20 and processes the deposit / withdrawal difference associated with the transaction code. That is, if the withdrawal amount is specified as the deposit / withdrawal difference, the specified amount is withdrawn, and if the deposit amount is specified as the deposit / withdrawal difference, the specified amount of deposit is accepted. ..

<System operation>
Next, the processing procedure of the customer transaction system according to this embodiment will be described. FIG. 9 is a flowchart showing a processing procedure of the customer transaction system according to the present embodiment. First, when the management device 20 receives the transaction request from the customer terminal device 10 (step S201), the management device 20 executes the process related to the transaction request (step S202). The details will be described later, but this process generates a transaction code.

The management device 20 transmits the generated transaction code to the customer terminal device 10 (step S203). The transmitted transaction code is stored in the customer terminal device 10. When the customer carries the customer terminal device 10 and goes to the installation location of the automatic teller machine 30, displays the transaction code on the display unit of the customer terminal device 10 and holds it over the automatic teller machine 30, the automatic teller machine 30 has the transaction code. Is imaged and read (step S101), and the transaction code is transmitted to the management device 20 (step S102).

The management device 20 determines whether or not the transaction corresponding to the transaction code received from the automatic teller machine 30 can be executed (step S204). If it is determined that it is feasible, the management device 20 executes the transaction corresponding to the transaction code by Internet banking (step S205). By this Internet banking, the financial system server 40 updates the balance of the account (step S301). After that, the management device 20 transmits the deposit / withdrawal permission to the automatic teller machine 30 (step S206). The automatic teller machine 30 receives the deposit / withdrawal permission from the management device 20 and executes the deposit / withdrawal of the deposit / withdrawal difference associated with the transaction code (step S103), and ends the process.

Next, the details of the processing related to the transaction request shown in FIG. 9 will be described. FIG. 10 is a flowchart showing details of processing related to the transaction request shown in FIG. First, the transaction availability determination unit 26a of the management device 20 acquires user authentication information (user ID, password, face image, etc.) from the customer terminal device 10, and executes user authentication based on the acquired information ( Step S401). If this user authentication fails (step S402; No), the process ends as it is.

If the user authentication is successful (step S402; Yes), the transaction availability determination unit 26a reads the slip image from the transaction request and collates the imprint (step S404). If the collation is successful (step S405; Yes), the transaction availability determination unit 26a identifies the entry contents of each item by image processing on the slip image (step S406), and registers the transaction contents in the transaction data 25c (step S406). Step S407).

After step S407, or when the imprint collation fails (step S405; No). The transaction availability determination unit 26a determines whether or not there is an unprocessed slip image (step S408). If there is an unprocessed slip image (step S408; Yes), the process proceeds to step S403 and the next slip image is read out (step S403).

If there are no unprocessed slips (step S408; No), the plural transaction integration unit 26b calculates the difference between deposits and withdrawals (step S409). In addition, the transaction restriction setting unit 26c sets restrictions on transactions (step S410). By setting this restriction, the automated teller machine 30 used for the transaction and the transaction deadline are specified. After that, the transaction code generation unit 26d generates a transaction code indicating the content of the transaction (step S411), and ends the process.

If there is a slip that fails to collate the imprint, the customer terminal device 10 may be notified. Further, when the collation of the imprint fails in any of the slips, the generation of the transaction code may be stopped and the customer terminal device 10 may be notified.

<Modification example>
Next, a modified example of the customer transaction system according to this embodiment will be described. FIG. 11 is a modified example in which the administrator approves the transaction code. In this modification, the slip filled in and stamped by the accounting staff of the corporate customer is imaged by the customer terminal device 10 (S1), and the transaction request including the slip image is transmitted to the management device 20 (S2).

When the management device 20 receives the transaction request from the customer terminal device 10, it determines whether or not the transaction is possible (S3). If it is determined that the transaction is possible, the management device 20 identifies the entry contents of each item by image processing on the slip image, and specifies the transaction contents. Then, a transaction code indicating the content of the specified transaction is generated (S4).

The management device 20 transmits the generated transaction code to the customer terminal device 10 (S5), and also transmits the generated transaction code to the approver terminal device 50. The approver terminal device 50 is operated by an approver who has the authority to approve transactions related to slips, such as a corporate customer's accounting department manager. When the approver terminal device 50 receives the approval operation from the approver, the approver terminal device 50 notifies the management device 20 that the transaction code is valid.

On the other hand, when the customer carries the customer terminal device 10 and goes to the place where the automatic teller machine 30 is installed, displays the transaction code on the display unit of the customer terminal device 10, and holds it over the automatic teller machine 30, the automatic teller machine 30 The transaction code is imaged and read (S6). The read transaction code is executed provided it has been activated by the approver. Then, if the transaction indicated by the transaction code includes deposits and withdrawals, the automated teller machine 30 makes deposits and withdrawals according to the transaction details (S7).

As described above, in the customer transaction system according to the first embodiment, the customer terminal device 10 images a slip and transmits the slip image to the management device 20, and the management device 20 determines whether or not the transaction is possible from the slip image. When it is determined that the transaction is possible, the automatic teller machine 30 generates readable transaction data, and when the automatic teller machine 30 reads the transaction code, the transaction indicated in the transaction code is executed using Internet banking. By doing so, processing is possible without using a window.

Further, since deposits and withdrawals can be made by the automatic teller machine 30, transactions including the handling of cash can be executed. Further, on the financial institution side, it is not necessary to process paper-based slips, and slip-less can be achieved.

Further, since the processing can be performed by the automatic teller machine 30 instead of the counter, it is not restricted by the business hours of the counter, and the burden of fees can be reduced. On the financial institution side as well, the work at the counter can be reduced and efficiency can be improved.

In this embodiment, the case where an automated teller machine 30 capable of performing normal transactions using a cash card or a passbook is used for transactions related to a transaction code has been described as an example, but cash such as a money changer can be deposited and withdrawn. Any device can be used for transactions related to transaction codes.

Further, as a modification, the customer terminal device 10 may be configured to perform image processing on the slip image. As the image processing by the customer terminal device 10, for example, tilt correction and size adjustment of the slip image are suitable.

Further, in this embodiment, the case where the automatic teller machine 30 executes the transaction related to the transaction code via the management device 20 has been described as an example, but the automatic teller machine 30 directly performs Internet banking to obtain the transaction code. Such transactions may be carried out. As an example of such a configuration, if the transaction code generated by the management device 20 is transmitted to the automated teller machine 30 which is a designated device, the automated teller machine 30 which has received the transaction code does not communicate with the management device 20. You can complete the transaction related to the transaction code.

Further, the management device 20 may complete the Internet banking when the transaction code is generated, and the automatic teller machine 30 may perform only deposits and withdrawals. In such a configuration, the account balance will be updated when the transaction code is generated.

Further, the management device 20 may request the financial system server 40 to secure the balance of deposits and withdrawals when the transaction code is generated, and when the automatic teller machine 30 receives the transaction code, the processing by Internet banking may be executed. With such a configuration, it is possible to prevent the occurrence of a situation in which the transaction cannot be completed due to insufficient balance at the time of reading the transaction code.

Further, in this embodiment, the case where the automatic teller machine 30 reads the transaction code displayed on the display unit 11 of the customer terminal device 10 has been described as an example, but the transaction code can also be printed and used.

In addition, each configuration shown in the above embodiment is a schematic function, and does not necessarily have to be physically shown. That is, the form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically distributed / integrated in an arbitrary unit according to various loads and usage conditions. Can be configured.

Cash register system, the customer trading system及beauty customer trading method of the present invention is useful to be made slip-less in the store such as financial institutions.

10, 10a, 10b Customer terminal equipment 11, 21, 31 Display unit 12, 22, 32 Input unit 13 Wireless communication unit 14 GPS signal receiver 15 Camera 16, 25, 37 Storage unit 16a Transaction code 17, 26, 38 Control unit 17a Account transaction processing department 17b Transaction processing management department 17c Location information acquisition department 17d Transaction code management department 20 Management equipment 23 Financial network communication department 24 External network communication department 25a Device data 25b User data 25c Transaction data 26a Transaction availability judgment unit 26b Multiple transactions Integration unit 26c Transaction restriction setting unit 26d Transaction code generation unit 26e Account transaction execution unit 30, 30a, 30b Automatic teller machine 33 Card reader 34 Code reader 35a Passbook processing unit 35b Bill processing unit 35c Coin processing unit 36a Financial network communication unit 36b External Network Communication Department 37a Current Data 38a Account Transaction Execution Department 38b Transaction Code Processing Department 40 Financial System Server 50 Approver Terminal Equipment N1, N2 Network

Claims (9)

A customer terminal device having an imaging unit that captures a transaction slip and a transmission unit that transmits a transaction slip image captured by the imaging unit.
A predetermined automatic teller machine that processes money deposits and withdrawals in response to a transaction availability determination unit that determines transaction availability of the transaction slip image transmitted from the customer terminal device and a transaction slip image that is determined to be transactionable. A customer transaction system including a transaction data generation unit that generates transaction data to be read by the device, and a management device having a transmission unit that transmits the transaction data to the customer terminal device. The management device
Further provided with a reference imprint storage unit for storing the reference imprint of the customer's seal stamped on the transaction slip.
The transaction availability determination unit
The imprint included in the transaction slip image transmitted from the customer terminal device is collated with the reference imprint of the customer's seal stored in the reference imprint storage unit to determine whether or not the transaction slip can be traded. The customer transaction system according to claim 1, wherein the customer transaction system is characterized in that. The management device
It also has a biometric information storage unit that stores the biometric information of customers who make transactions.
The transaction availability determination unit
The customer transaction system according to claim 1, further comprising determining whether or not a transaction is possible based on the biometric information transmitted from the customer terminal device and the biometric information of the customer stored in the biometric information storage unit. .. The customer transaction system according to any one of claims 1 to 3, wherein the transaction data generated by the transaction data generation unit is a one-dimensional code or a two-dimensional code. The customer transaction system according to any one of claims 1 to 4, wherein the transaction data generated by the transaction data generation unit is transaction data relating to a transaction involving cash transfer. The customer transaction system according to any one of claims 1 to 5, wherein the transaction data generated by the transaction data generation unit includes a transaction restriction period in the automatic teller machine. The customer transaction system according to any one of claims 1 to 6, wherein the transaction data generated by the transaction data generation unit includes information on the installation destination of the automatic teller machine. A claim characterized in that the transaction data generated by the transaction data generation unit is offset data in which the deposit amount of money is offset from the withdrawal amount of money in the case of a transaction involving deposit and withdrawal of money. The customer transaction system according to any one of items 1 to 7. An imaging process that captures transaction slips using a customer terminal device,
A transmission step of transmitting the transaction slip image captured by the imaging step, and
A transaction propriety determination step in which a management device communicably connected to the customer terminal device determines whether or not the transaction slip image transmitted from the customer terminal device can be traded.
A transaction data generation process in which the management device generates transaction data to be read by a predetermined automatic teller machine that performs currency deposit / withdrawal processing corresponding to a transaction slip image determined to be tradable.
A customer transaction method, wherein the management device includes a transmission step of transmitting the transaction data to the customer terminal device.

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