JP6911299B2 - Mobile communication terminal and automatic cash transaction system - Google Patents

Description

The present invention relates to an automatic cash transaction system for conducting financial transactions using a communication terminal.

An automated teller machine (ATM), an automated teller machine (CD), or an automated teller machine (CD), which is connected to a financial institution via a dedicated line, is known as an automated teller machine. ..

For example, Patent Document 1 discloses an automatic transaction system for conducting financial transactions via an ATM and a mobile phone. In this system, when an ATM detects a cash card inserted by a user, it communicates with the user's mobile phone by a short-range wireless communication means such as Bluetooth (registered trademark), and the ATM communicates with the user's mobile phone during transaction processing. It communicates with the host computer of a financial institution via a telephone to execute a financial transaction.

Japanese Unexamined Patent Publication No. 2013-117849

However, in the above-mentioned conventional technique, it is necessary to monitor and grasp the operating state of the wireless communication device built in the ATM. Therefore, since the wireless communication equipment is more expensive than the wired communication equipment, there is a problem that the monitoring, maintenance, and operation costs of the automatic cash transaction system are high.

The present invention has been made in view of the above problems, and an object of the present invention is to provide a mobile communication terminal and an automatic cash transaction system capable of reducing the cost of the automatic cash transaction system.

The mobile communication terminal of the present invention is a mobile communication terminal connected to a network including an online banking server, cooperates with an automated teller machine, and has a display unit.
A registration means for pre-registering the contents of cash transactions with the online banking server via the network.
A permission requesting means for requesting the permission of the cash transaction from the online banking server,
It is characterized by having a display means for displaying a code pattern representing the pre-registered contents of the cash transaction on the display unit while waiting for the receipt of the permission or receiving the permission.

The automated teller machine system of the present invention includes the mobile communication terminal, further has a reading unit that is not connected to the network and reads the code pattern displayed on the display unit, and corresponds to the code pattern. It is characterized by including an automated teller machine for executing cash transactions.

According to the present invention, it is possible to obtain an automatic cash transaction system that can realize system monitoring, maintenance and operation at low cost.

FIG. 5 is a system configuration diagram including an Internet banking system in the automatic cash transaction system of the first embodiment. It is explanatory drawing which shows the processing flow at the time of the cash payment processing by the smartphone and the monitorless ATM in the Internet banking of Example 1. FIG. It is explanatory drawing which shows the example of the menu operation selection screen of the smartphone of Example 1. FIG. It is explanatory drawing which shows the example of the menu transaction selection screen of the smartphone of Example 1. FIG. It is explanatory drawing which shows the example of the menu amount selection screen of the smartphone of Example 1. FIG. It is explanatory drawing which shows the example of the screen which shows that the communication of the smartphone of Example 1 is in progress. It is explanatory drawing which shows the example of the transaction registration screen including the 2D code of the smartphone of Example 1. FIG. It is explanatory drawing which shows the processing flow at the time of the cash payment processing by the smartphone and the monitorless ATM in the Internet banking of the modification of Example 1. FIG. It is explanatory drawing which shows the example of the menu operation selection screen of the smartphone of Example 2. FIG. It is explanatory drawing which shows the example of the menu transaction result registration screen of Example 2. FIG. It is explanatory drawing which shows the processing flow at the time of the cash payment processing by the smartphone and the monitorless ATM in the Internet banking of Example 2.

Hereinafter, the automatic transaction system according to the embodiment of the present invention will be described with reference to the drawings. The present invention is not limited to the following examples.

There are known online banking or internet banking or internet banking services that can be used on a home PC via the internet. Further, as online banking, so-called mobile banking, which is an automatic transaction system that uses a mobile communication terminal to perform financial transactions via a communication network (network) such as a mobile phone network or an Internet network, is also known. FIG. 1 is a system configuration diagram including an Internet banking system 11 in the cash automatic transaction system of the embodiment. The Internet banking system 11 includes an accounting host computer 13 installed in a financial institution, an Internet banking (online banking) cooperation server 15 (online banking server) operated by a financial institution connected to the host computer, and the like. including. In addition, all or part of the above communication network includes a dedicated line and the like.

The automated teller machine system of this embodiment further includes a mobile communication terminal owned by the customer, for example, a smartphone 17, and a monitorless ATM 19 which is a cash automatic teller (Cash Dispenser) installed in, for example, a financial institution. The smartphone 17 is connected to the Internet banking system 11 via a communication network IP such as a mobile phone network or an Internet network.

The host computer 13 has a function of managing the account number, account balance, account history, etc. of each customer of Internet banking in a database as account information, and processing various transactions requested by the customer.

Although not shown, the host computer 13 is a computer device that controls the entire process including transaction processing by using RAM as a work memory for primary storage according to various software programs stored in a storage unit such as a ROM or a hard disk drive. Is. The host computer 13 reads a control program from a storage medium such as a ROM or RAM that stores a control program that describes a processing procedure for realizing various transaction processing functions, interprets the program, and executes the program. Further, the host computer 13 includes a network connection unit (not shown). The network connection unit is a wired or wireless interface with the cooperation server 15 included in the system, and transmits / receives various data. The host computer 13 stores a correspondence table in which the account number of each customer is associated with the mobile communication terminal ID which is the identifier of each customer's smartphone 17, and processes the transaction reservation sent from the cooperation server 15. , Processes transaction permits for Internet banking customers.

The cooperation server 15 (Web server) is connected to the host computer 13 by a predetermined communication line. Like the host computer 13, the linked server 15 also processes transactions by using the RAM as a work memory for primary storage according to various software programs stored in a storage unit such as a ROM / or a hard disk drive (not shown). It is a computer device that controls the whole including.

The customer operates the Web browser or Web application of the personal computer or smartphone 17 to access the established Web (World Wide Web) site, the cooperation server 15, in advance via the communication network IP. Register your customer ID and password in Internet banking. The linked server 15 has a function of authenticating a customer's customer ID and password via a Web browser and then providing a financial institution's transaction such as a transfer for the customer or a balance inquiry as a service. There is.

Although not shown, the smartphone 17 has a communication unit provided with an interface for transmission / reception, a display unit including a touch monitor such as a liquid crystal display having an input unit, an audio input unit equipped with a microphone, and audio provided with a speaker. It is a computer device having an output unit, a connection interface including a connector for connecting to an external cable, and a control unit including a CPU, a memory, various processing circuits, and the like. According to the program (software) stored in the memory, the smartphone 17 has a registration means for pre-registering the contents of cash transactions on the server, a permission requesting means for requesting permission for cash transactions from the server, and a permission. While waiting for reception or receiving permission, it functions as a display means for displaying a code pattern of a two-dimensional code such as a QR code (registered trademark) indicating the contents of pre-registration of cash transactions on the display unit.

A unique mobile communication terminal ID is set on the customer's smartphone 17, and this mobile communication terminal ID notifies the cooperation server 15 (host computer 13) when using Internet banking such as transaction registration (reservation) at the monitorless ATM 19. Then, the customer's account and account number for identity verification are authenticated and specified, and the transaction menu and the like are displayed on the smartphone 17.

The monitorless ATM 19 is provided with a two-dimensional code reading unit 19a on which the smartphone 17 can be mounted and which reads an image of the two-dimensional code on the display screen of the smartphone 17. The monitorless ATM 19 has a withdrawal unit 19b that processes cash withdrawals such as banknotes. In this embodiment, the monitorless ATM 19 is an offline device that is not connected to the communication network IP or the like, that is, is not connected to the network. The monitorless ATM 19 is an automated teller machine having a configuration in which the two-dimensional code reading unit 19a reads the two-dimensional code on the display screen of the customer's smartphone 17 to perform withdrawal processing. The payment operation of the monitorless ATM 19 by the smartphone 17 is performed via the two-dimensional code reading unit 19a. The monitorless ATM 19 is provided with a withdrawal unit 19b having a mechanism unit for identifying, counting, transporting, and discharging banknotes and a two-dimensional code reading unit 19a for optically reading a two-dimensional code, and is used to execute a cash transaction. It is a computer device having a control unit including a CPU, a memory, and the like that control the metal unit 19b and the two-dimensional code reading unit 19a.

The operation of Example 1 according to the above configuration will be described. The operations of the smartphone 17, the cooperation server 15, the host computer 13, and the monitorless ATM 19 described below are not shown based on the programs (software) stored in the storage units (not shown) provided in each of them. It is controlled by the control unit.

FIG. 2 is an explanatory diagram showing a processing flow at the time of cash payment processing by the host computer 13, the cooperation server 15, the smartphone 17, and the monitorless ATM 19 of this embodiment. Here, a case where a customer applies for a withdrawal transaction of 30,000 yen will be described as an example according to step (S) shown in FIG. In the following description, the description of the use of Internet banking, for example, the access operation up to the transaction menu screen will be omitted.

First, the customer connects to the Internet banking cooperation server 15 by the application of the smartphone 17 and opens the menu operation selection screen of FIG. 3 (S1).

The customer taps and selects "new transaction registration" on the menu operation selection screen of FIG. 3 of the smartphone 17 to open the menu transaction selection screen of FIG. 4 (S2).

Next, the customer taps and selects the desired transaction "payment (withdrawal)" on the menu transaction selection screen of FIG. 4, opens the menu amount selection screen of FIG. 5, and the amount of money on the menu screen of FIG. Tap "30,000 yen" to select it, and tap "OK" to confirm (S3). When the customer taps "Cancel", the screen returns to the menu operation selection screen shown in FIG. 3 without executing the transaction.

By tapping "OK", the smartphone 17 transmits the transaction data to the cooperation server 15 (S4). The cooperation server 15 that has received the transaction data (S5) performs the transaction data registration process (S6), and transmits a response to the effect that the transaction data has been registered to the smartphone 17 (S7). The smartphone 17 receives the response from the cooperation server 15 (S8). Here, the smartphone 17 returns to the menu operation selection screen of FIG.

Next, when the customer taps and selects the "registered QR display" on the screen of the smartphone 17 (S9), the smartphone 17 displays that the communication in FIG. 6 is in progress (S9).

By tapping the "registration QR display", the smartphone 17 transmits an execution message based on the transaction data to the host computer 13 via the cooperation server 15 (S10, S11). The host computer 13 that has received the execution message (S12) executes the execution message (S13) and sends a response to the effect of permission to execute to the cooperation server 15 (S14). In the execution process, the host computer 13 searches the account information of the corresponding customer from the transaction information, compares the account balance with the withdrawal amount of the transaction information, and if there is no problem such as insufficient balance, registers the execution permission. ..

When the cooperation server 15 receives the permission response (S15), it generates a two-dimensional code including the contents of "30,000 yen" payable, and transmits the data of this two-dimensional code pattern to the smartphone 17 (S16). ).

The smartphone 17 receives the data of the two-dimensional code pattern representing the pre-registration content from the cooperation server 15 (S17), and displays the transaction registration screen including the two-dimensional code representing the pre-registration content of FIG. 7 for a predetermined time (the customer has two). The time required for reading by holding it over the dimension code reading unit 19a is displayed for, for example, 1 minute (S18). If "Back" is tapped here, the screen returns to the menu operation selection screen of FIG. 3 without executing the transaction. In this way, the smartphone 17 confirms whether or not the transaction can be executed to the host computer 13 via the cooperation server 15, and the cooperation server 15 receives the result. The cooperation server 15 has a two-dimensional code as the transaction permission information. The data is transmitted to the smartphone 17, the smartphone 17 receives the two-dimensional code data, and the two-dimensional code is displayed on the screen of the smartphone 17.

The customer places the two-dimensional code displayed on the smartphone 17 over the two-dimensional code reading unit 19a of the monitorless ATM 19 so as to hold it over.

The monitorless ATM 19 reads the two-dimensional code held over the two-dimensional code reading unit 19a (S19), counts the banknotes according to the record of the two-dimensional code (S20), and releases the banknote "30,000 yen" to the customer (S21). ). The customer pulls out the released banknotes and the transaction of the monitorless ATM 19 is completed (S22).

According to the first embodiment, before displaying the two-dimensional code input to the monitorless ATM 19, the host computer 13 is communicated via the cooperation server 15, and the two-dimensional code is displayed on the smartphone 17 when the withdrawal is permitted. This makes it possible to confirm that the host computer 13 is permitted.

Although preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is clear that a person having ordinary knowledge in the field of technology to which the present invention belongs can come up with various modifications or modifications within the scope of the technical ideas described in the claims. , These are also naturally understood to belong to the technical scope of the present invention.

[Modification example]
In the first embodiment, as shown in steps S15 to S18 of FIG. 2, the cooperation server 15 receives the transaction permission information, the cooperation server 15 generates the two-dimensional code data, and sends this to the smartphone 17. .. In this modification, the smartphone 17 that has received the transaction permission information from the cooperation server 15 can generate the two-dimensional code data and display the two-dimensional code.

FIG. 8 is an explanatory diagram showing a processing flow at the time of cash payment processing by the smartphone 17 of the modified example of the first embodiment. Since steps S1 to S14 in FIG. 8 are the same as steps S1 to S14 in FIG. 2, and steps S17 to S21 in FIG. 8 are the same as steps S18 to S22 in FIG. 2, description of these steps will be omitted.

As shown in FIG. 8, the cooperation server 15 that has received the response to the effect of execution permission from the host computer 13 (S15) transmits the response to the smartphone 17 (S15). Then, the smartphone 17 generates a two-dimensional code including the content of "30,000 yen" payable based on the received permission response (S16), and displays this two-dimensional code pattern on its own screen (S17). ..

According to the modification of the first embodiment, it is possible to shorten the time required to display the two-dimensional code pattern on the screen.

In the second embodiment, the customer pulls out the released banknote in the first embodiment, and after the transaction of the monitorless ATM 19 is completed, the customer operates the smartphone 17 to register the transaction result on the host computer 13. It is possible to communicate from 17 to the host computer 13 via the cooperation server 15 so that the host computer 13 can grasp the transaction result.

FIG. 9 shows a menu operation selection screen of the smartphone 17 of the second embodiment. FIG. 10 shows a menu transaction result registration screen of the smartphone 17 of the second embodiment.

After extracting the banknotes, the customer taps and selects "transaction result notification" on the menu operation selection screen of FIG. 9 of the smartphone 17 to open the menu transaction result registration screen of FIG. Then, the customer taps and selects "normal end" or "abnormal end" as the transaction result. Here, the smartphone 17 transmits the transaction result to the host computer 13 via the cooperation server 15. The response from the host computer 13 is received via the cooperation server 15, and the screen returns to the menu operation selection screen of FIG.

According to the second embodiment, after the transaction is completed, the transaction result is registered by the customer operation on the smartphone 17, the smartphone 17 communicates with the host computer 13 via the cooperation server 15, and the transaction result is displayed on the host computer 13. It becomes possible to grasp.

FIG. 11 is an explanatory diagram showing a processing flow at the time of cash payment processing by the smartphone 17 of a specific example of the second embodiment. Since steps S1 to S8 of FIG. 11 are the same as steps S1 to S8 of FIG. 2 except for the menu operation selection screen (FIG. 9), the description of these steps will be omitted.

As shown in FIG. 11, the smartphone 17 receives the response from the cooperation server 15 to the effect that it has been registered (S8), and displays the menu operation selection screen of FIG. 9 (S9). Here, the smartphone 17 generates a two-dimensional code including the content of "30,000 yen" payable based on the response to the effect that it has been registered, and displays this two-dimensional code pattern on its own screen (S10).

After displaying the two-dimensional code pattern, the smartphone 17 transmits an execution message based on the transaction data to the host computer 13 via the cooperation server 15 (S11, S12). The host computer 13 that has received the execution message (S13) executes the execution message (S14) and sends a response to the effect of permission to execute to the cooperation server 15 (S15).

The cooperation server 15 that has received the response to the effect of execution permission from the host computer 13 (S16) transmits the response to the smartphone 17, and the smartphone 17 receives this (S17). The smartphone 17 switches to the menu operation selection screen shown in FIG.

On the other hand, after displaying the two-dimensional code pattern (S10), the customer holds the two-dimensional code displayed on the smartphone 17 over the two-dimensional code reading unit 19a of the monitorless ATM 19.

The monitorless ATM 19 reads the two-dimensional code held over the two-dimensional code reading unit 19a (S18), counts the banknotes according to the record of the two-dimensional code (S19), and releases the banknote "30,000 yen" to the customer (S20). ). The customer pulls out the released banknotes and the transaction of the monitorless ATM 19 is completed.

The customer removes the smartphone 17 from the two-dimensional code reading unit 19a of the monitorless ATM 19. The customer taps and selects "transaction result notification" on the menu operation selection screen of FIG. 9 of the smartphone 17 (S21), and opens the menu transaction result registration screen of FIG. Then, the customer taps and selects "normal end" as the transaction result (S22). If "Back" is tapped here, the screen returns to the menu operation selection screen shown in FIG. 9 without executing the transaction. Further, the smartphone 17 may return to the menu operation selection screen of FIG. 9 after displaying the predetermined time on the screen without displaying "return" on the menu transaction result registration screen of FIG.

After tapping "normal end", the smartphone 17 transmits the transaction result notification to the host computer 13 via the cooperation server 15 (S23, S24). Although "normal end" and "abnormal end" are displayed on the menu transaction result registration screen of FIG. 10, only "abnormal end" is displayed, and "abnormal end" is not tapped and after the predetermined time is displayed. , The transaction result notification may be transmitted to the host computer 13 via the cooperation server 15 (S23, S24). The host computer 13 that has received the transaction result notification (S25) processes the transaction result notification (S26) and transmits the result notification to the cooperation server 15 (S27). When the host computer 13 receives the notification of the end of the withdrawal process, the host computer 13 adds the withdrawal completion information to the corresponding transaction information registered in the host computer 13 as the transaction result notification process, and adds the balance of the corresponding account to the corresponding transaction information. Update. As the transaction result notification process, the log of the step (S20) of discharging the bills of the monitorless ATM 19 (for example, the record of the detection sensor output for detecting the released bills) is recorded and stored, so that the log is collected at the time of cash replenishment. Then, the balance of this account of the host computer 13 can be updated by the log.

The cooperation server 15 that has received the result notification from the host computer 13 (S28) transmits the response to the smartphone 17, and the smartphone 17 receives this (S29). The smartphone 17 switches to the menu operation selection screen shown in FIG.

According to the above embodiment, before displaying the two-dimensional code input to the monitorless ATM 19, communication is performed with the host computer 13 via the cooperation server 15, and the two-dimensional code is displayed on the smartphone 17 when permission is given. This makes it possible to confirm that the host computer 13 is permitted. Further, by registering the transaction result on the smartphone 17 by customer operation after the transaction is completed, the smartphone 17 can communicate with the host computer 13 via the cooperation server 15 and cause the host computer 13 to grasp the transaction result. can.

According to the above-described embodiment, since the monitorless ATM 19 does not have a wired wireless communication unit and uses the customer's mobile communication terminal for communication with the host computer, an ATM monitoring system via this communication unit is prepared. It is not necessary, and therefore, the effect of reducing equipment costs such as wiring work and monitoring costs can be obtained.

Further, since it is not necessary to equip the ATM with a reading mechanism (card reader) for a cash card, the size of the ATM can be reduced.

In addition, in order to accept transaction applications through Internet banking, acquire a customer account at that time, register it as transaction information along with the transaction type and amount on the host computer, and execute transactions at ATMs using this transaction information, use an Internet banking account. Issuance of cash cards is no longer required, and card issuance costs of financial institutions are reduced.

11 Internet banking system 15 Linked server 13 Host computer 17 Smartphone 19 Monitorless ATM
19a Two-dimensional code reading unit 19b Withdrawal unit

Claims (9)

A mobile communication terminal that is connected to a network including an online banking server, cooperates with an automated teller machine, and has an input unit and a display unit.
A registration means for pre-registering the contents of cash transactions with the online banking server via the network.
A permission requesting means for requesting the permission of the cash transaction from the online banking server,
It has a display means for displaying a code pattern representing the pre-registered contents of the cash transaction on the display unit while waiting for the receipt of the permission or receiving the permission.
The display means displays an end selection screen that allows the customer to select the normal end or abnormal end of the cash transaction .
A mobile communication terminal characterized in that the result of termination of the cash transaction is transmitted to the online banking server based on the input from the input unit. The mobile communication terminal according to claim 1, wherein the code pattern is generated when the permission is received via the network. The mobile communication terminal according to claim 1, wherein the online banking server generates data of the code pattern and transmits the data of the code pattern to the mobile communication terminal. The mobile communication terminal according to claim 1, wherein the automated teller machine is an offline device that is not connected to the network. The mobile communication terminal according to any one of claims 1 to 3, further having a reading unit that is not connected to the network and reads the code pattern displayed on the display unit, and the code pattern. An automated teller machine, characterized by including an automated teller machine, which executes cash transactions in accordance with. A program that causes a mobile communication terminal that is connected to a network including an online banking server, cooperates with an automated teller machine, and has an input unit and a display unit to execute cash transaction processing, and the program is the mobile. For communication terminals
A registration means for pre-registering the contents of cash transactions with the online banking server via the network.
A permission requesting means for requesting the permission of the cash transaction from the online banking server,
A display means for displaying a code pattern representing the pre-registered contents of the cash transaction on the display unit while waiting for the receipt of the permission or receiving the permission.
To make it work
After the display means displays the code pattern for a predetermined time, the end selection screen of the cash transaction is displayed, and the result of the end of the cash transaction is sent to the online banking server according to the presence or absence of input from the input unit. A program characterized by sending. The end selection screen is characterized in that a selection button indicating a normal end is not displayed, and the normal end is automatically selected when the display of the end selection screen elapses for a predetermined time. The program according to 6. A program that is connected to a network including an online banking server, cooperates with an automated teller machine, and causes a mobile communication terminal having an input unit and a display unit to execute cash transaction processing. The program is the mobile communication. On the terminal
A registration means for pre-registering the contents of cash transactions with the online banking server via the network.
A permission requesting means for requesting the permission of the cash transaction from the online banking server,
A display means for displaying a code pattern representing the pre-registered contents of the cash transaction on the display unit while waiting for the receipt of the permission or receiving the permission.
To make it work
The display means displays an end selection screen that allows the customer to select whether or not the cash transaction is normally completed .
Program characterized Rukoto to send a result of completion of the cash transactions based on input from the input section to the online banking server. An offline cash machine that is connected to a network including an online banking server and works with a mobile communication terminal that has an input unit and a display unit, and is not connected to the network.
The mobile communication terminal includes a registration means for pre-registering the contents of a cash transaction with the online banking server, a permission requesting means for requesting the online banking server for permission for the cash transaction, and the above. It has a display means for displaying a code pattern representing the pre-registered contents of the cash transaction on the display unit while waiting for the receipt of the permission or receiving the permission.
The automatic teller machine
A reading unit that optically reads the code pattern,
A mechanism that identifies, counts, transports, and releases banknotes,
It has a mechanism unit and a control unit that controls the reading unit in order to execute the cash transaction.
When the control unit to perform cash transactions of at least dispensing, in the execution of the developing trading, the code pattern Ri by said reading portion is read,
The mobile communication terminal displays an end selection screen that allows the customer to select the normal end or abnormal end of the cash transaction on the display means, and the result of the end of the cash transaction is displayed based on the input from the input unit. An automated teller machine characterized by sending to an online banking server.

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