JP7112914B2 - Provision system and provision method - Google Patents

Description

The present invention relates to a provision system, a transaction device, a provision method and a provision program.

When using an ATM (Automated Teller Machine), for example, advertisements are displayed during the waiting time for transaction processing of deposits and withdrawals. In displaying such advertisements, exchange of customer data occurs between the server that provides the advertisements and the customer database in the accounting system of the financial institution. However, since the contents and formats of customer data vary widely, it has been proposed to provide a gateway server for associating data between the server and the customer database. It has also been proposed to convert a credit number flowing through a communication network into another number using a conversion rule.

Japanese Patent Application Laid-Open No. 2002-041781 JP-A-2001-337925 Japanese Unexamined Patent Application Publication No. 2016-181806

Servers that provide advertisements are desired to be placed in an environment different from the financial institution's accounting system, for example, in an open environment such as a cloud. However, if the server is placed in an open environment, for example, sensitive information such as account information and personal information will be stored on the cloud, which may increase security risks.

One aspect is to provide a provision system, a transaction device, a provision method, and a provision program that can ensure the security of personal information.

In one aspect, the provision system has a transaction device and a provision server. The transaction device has a conversion section, an acquisition section, a display control section, and a result transmission section. When accepting the start of a transaction, the conversion unit converts the personal information corresponding to the transaction into a token, and transmits the token to the providing server. The obtaining unit receives first recommendation information corresponding to the token from the providing server. The display control unit displays the received first recommendation information. The result transmission unit transmits an operation result for the displayed first recommendation information to the provision server. The providing server has a specifying unit and a communication control unit. The specifying unit, upon receiving the token from the transaction device, specifies the first recommendation information corresponding to the received token. The communication control unit transmits the identified first recommendation information to the transaction device and receives the operation result from the transaction device.

Security of personal information can be ensured.

FIG. 1 is a block diagram showing an example of the configuration of the provision system of the embodiment. FIG. 2 is a diagram showing an example of customer information. FIG. 3 is a block diagram showing an example of the configuration of the trading device of the embodiment. FIG. 4 is a diagram showing an example of conversion of account information. FIG. 5 is a block diagram showing an example of the configuration of the provision server of the embodiment. FIG. 6 is a diagram showing an example of a recommendation management table. FIG. 7 is a diagram showing an example of a recommendation result management table. FIG. 8 is a diagram showing an example of information flow in the provision system of the embodiment. FIG. 9 is a diagram showing an example of analysis results. FIG. 10 is a diagram illustrating an example of utilization information of analysis results. FIG. 11 is a diagram showing an example of a display screen for recommended content. FIG. 12 is a diagram showing another example of a display screen of recommended content. FIG. 13 is a sequence diagram illustrating an example of preprocessing according to the embodiment. FIG. 14 is a sequence diagram showing an example of the first information providing process of the embodiment. FIG. 15 is a sequence diagram showing an example of the second information providing process of the embodiment. FIG. 16 is a sequence diagram illustrating an example of post-processing according to the embodiment. FIG. 17 is a diagram illustrating an example of a computer that executes a provided program;

Hereinafter, embodiments of the provision system, the transaction device, the provision method, and the provision program disclosed in the present application will be described in detail based on the drawings. Note that the disclosed technology is not limited by the present embodiment. In addition, the following examples may be combined as appropriate within a non-contradictory range.

FIG. 1 is a block diagram showing an example of the configuration of the provision system of the embodiment. A provision system 1 shown in FIG. 100. The number of transaction devices 10 and terminals 60 is not limited in the providing system 1, and any number of transaction devices 10 and terminals 60 may be provided.

Transaction apparatus 10 and host computer 40 are connected so as to be able to communicate with each other. Also, the host computer 40 and the information management device 50 are connected so as to be able to communicate with each other. Further, the information management device 50 and the providing server 100 are connected so as to be able to communicate with each other. Trading device 10 and providing server 100 are connected via relay server 70 so as to be able to communicate with each other. Also, the terminal 60 and the providing server 100 are connected via a network N so as to be able to communicate with each other.

As the network N, any type of communication network such as the Internet, LAN (Local Area Network), VPN (Virtual Private Network), etc. can be adopted, regardless of whether it is wired or wireless. Further, each communication between the terminal 60 and the providing server 100 via the network N may be encrypted by TLS (Transport Layer Security)/SSL (Secure Sockets Layer), for example.

The providing system 1 is an example of a system in which the providing server 100 provides recommendation information to a customer who uses the transaction device 10 by using the transaction device 10 or the terminal 60 owned by the customer.

The transaction device 10 is an ATM, and is installed, for example, in financial institution stores, convenience stores (hereinafter also referred to as convenience stores), and the like. The transaction device 10 allows, for example, customers of financial institutions to receive various financial services such as deposits/withdrawals and credit transfers. When accepting the start of a transaction, the trading device 10 converts personal information (account information) corresponding to the transaction into a token and transmits the token to the providing server 100 . Note that the token is obtained by converting the account information using conversion logic set in advance, for example. In the following description, the account information before conversion is also referred to as account information (plaintext), and the token is also referred to as account information (converted). The trading device 10 receives the first recommendation information corresponding to the token from the providing server 100 . Trading device 10 displays the received first recommendation information. The transaction device 10 transmits to the providing server 100 an operation result for the displayed first recommendation information. Thereby, the transaction device 10 can ensure the security of the personal information (account information).

The NFC tag 20 is, for example, a contactless IC (Integrated Circuit) card based on a standard called NFC (ISO/IEC 18092). Note that the NFC tag 20 may be based on other standards such as ISO/IEC 14443, for example. The NFC tag 20 is installed near the touch panel of the transaction device 10, for example. Note that the NFC tag 20 may use, for example, a QR code (registered trademark), a Bluetooth (registered trademark) beacon oscillator, or the like instead of NFC.

The host computer 40 is, for example, a mainframe in an accounting system of a financial institution. The host computer 40 manages customer information files (CIF: Customers' Information Files) containing customer account information and personal information, for example.

Here, customer information will be described with reference to FIG. FIG. 2 is a diagram showing an example of customer information. As shown in FIG. 2, the customer information 41 is an example of various information stored in the customer information file. The customer information file (CIF) may be MCIF (Marketing CIF). The customer information 41 has items such as "account information (plaintext)" and "customer attributes", for example. The "customer attribute" has items such as "balance", "name", "address", "date of birth", "occupation", "family structure", and "used service".

"Account information (plaintext)" is information representing a financial institution code, a branch code, and an account number. "Balance", "Name", "Address", "Date of Birth", "Occupation", "Family Structure" and "Used Service" indicate respective information related to the customer.

Returning to the description of FIG. 1, the information management device 50 is an information processing device that manages recommendation information and analyzes recommendation results. The information management device 50 receives the conversion logic from the provision server 100 and stores it. The information management device 50 acquires customer information from the host computer 40 and converts account information (plaintext) into account information (conversion) based on the conversion logic. The information management device 50 associates account information (converted) with recommendation information based on customer information to generate recommendation management table information. The information management device 50 transmits the generated recommendation management table information to the provision server 100 .

The information management device 50 acquires recommendation results (recommendation result management table information) in which tokens (account information (conversion)) and operation results are associated with each other from the provision server 100 . The information management device 50 converts the acquired recommendation result token (account information (converted)) into personal information (account information (plaintext)). The information management device 50 generates an analysis result by analyzing the operation result, associates it with the personal information (account information (plain text)), and stores it in the storage unit. That is, the information management device 50 has an acquisition unit, a conversion unit, and a storage unit. Here, the analysis result can be, for example, an analysis of operation results accumulated for a predetermined period of time such as one week or one month. The information management device 50 also transmits the analysis results associated with the personal information (account information (plain text)) to the host computer 40 .

The terminal 60 is an information processing terminal owned by a customer. A smartphone can be used as the terminal 60, for example. The terminal 60 has a contactless IC tag reader capable of reading the NFC tag 20 . For example, by reading the NFC tag 20, the terminal 60 acquires an identifier that identifies the NFC tag 20 (hereinafter referred to as an NFCID (Identifier)) and an individual URL (Uniform Resource Locator) of the web service provided by the providing server 100. to get The terminal 60 can receive and display the content from the providing server 100 by accessing the web service of the individual URL using the browser and transmitting the NFCID. Note that the individual URL read from the NFC tag 20 may include the NFCID. Also, the terminal 60 may acquire a recommendation result for the displayed content, generate operation result information including the individual identification number of the terminal 60 and the recommendation result, and transmit the operation result information to the providing server 100 .

That is, when the terminal 60 reads the identification information associated with the transaction device 10 and accesses the provision server 100 , the terminal 60 receives the second recommendation information corresponding to the first recommendation information from the provision server 100 . Also, the terminal 60 accesses the provision server 100 using the identification information of the terminal 60 .

Relay server 70 is a server that relays connection between transaction device 10 and providing server 100 . In order to ensure security, it is not preferable to directly connect transaction device 10 to provision server 100 that connects to the Internet. Therefore, the connection between transaction device 10 and providing server 100 separates the network by exchanging information via relay server 70 . Note that the relay server 70 can be omitted by providing a gateway between the network N and the providing server 100 when the providing server 100 is in a closed environment.

The providing server 100 is an example of an information processing apparatus that provides recommended content using the transaction device 10 or the terminal 60 to a customer using the transaction device 10 . When the providing server 100 receives the token from the transaction device 10, the providing server 100 specifies the first recommendation information corresponding to the received token. The providing server 100 transmits the specified first recommendation information to the transaction device 10 and receives the operation result from the transaction device 10 . Thereby, the providing server 100 can provide recommendation information using the token.

Next, the configuration of transaction device 10 will be described. FIG. 3 is a block diagram showing an example of the configuration of the trading device of the embodiment. As shown in FIG. 3 , transaction device 10 includes communication section 11 , storage section 12 , display operation section 13 , and control section 14 . The transaction device 10 also has functional units for handling media such as cards and passbooks, and cash (not shown). In addition to the functional units shown in FIG. 3, the transaction apparatus 10 may have various functional units of known computers, such as various input devices and voice output devices.

The communication unit 11 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 11 is a communication interface that is connected to the host computer 40 by wire or wirelessly and controls information communication with the host computer 40 . Also, the communication unit 11 is a communication interface that is connected to the relay server 70 by wire or wirelessly, and controls information communication with the provision server 100 via the relay server 70 . The communication unit 11 transmits and receives transaction messages to and from the host computer 40 . The communication unit 11 also outputs the conversion logic and the first recommendation information received from the providing server 100 to the control unit 14 . The communication unit 11 also transmits the recommendation request and the operation result information input from the control unit 14 to the providing server 100 .

The storage unit 12 is implemented by, for example, a RAM (Random Access Memory), a semiconductor memory device such as a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 12 stores the conversion logic received from the providing server 100 . The storage unit 12 also stores information before and after conversion of account information, ie, account information (plaintext) and account information (conversion). Furthermore, the storage unit 12 stores information used for processing in the control unit 14 . Further, the storage unit 12 may store recommended content corresponding to the first recommendation information in advance. As the conversion logic, for example, logic for multiplying a specific random number or calculating a hash value can be used.

The display operation unit 13 is a display device for displaying various information and an input device for receiving various operations from the customer. For example, the display operation unit 13 is realized by a liquid crystal display or the like as a display device. Further, for example, the display operation unit 13 is realized by a touch panel or the like as an input device. That is, the display operation unit 13 is integrated with a display device and an input device. The display operation unit 13 outputs the operation input by the customer to the control unit 14 as operation information.

The control unit 14 is implemented by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like executing a program stored in an internal storage device using a RAM as a work area. Also, the control unit 14 may be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 14 includes a transaction processing unit 15, a conversion unit 16, an acquisition unit 17, a display control unit 18, and a result transmission unit 19, and realizes or executes information processing functions and actions described below. do. Note that the internal configuration of the control unit 14 is not limited to the configuration shown in FIG. 3, and may be another configuration as long as it performs information processing described later.

The transaction processing unit 15 accepts various inputs such as the insertion of a medium such as a card or a passbook and the type of transaction, etc., by the customer's operation. The transaction processing unit 15 transmits/receives a transaction message to/from the host computer 40 according to the received transaction input via the communication unit 11 to process the transaction. The transaction processing unit 15 cooperates with the host computer 40 to perform various transactions such as deposits and withdrawals, balance inquiry, transfer, and transfer. The transaction processing unit 15 releases the medium at the end of the transaction to end the transaction.

When a transaction is started in the transaction processing unit 15, the conversion unit 16 acquires account information from a medium such as a card or passbook. The conversion unit 16 refers to the storage unit 12 and converts the acquired account information (plaintext) into account information (conversion), that is, tokens, based on the conversion logic. The conversion unit 16 generates a recommendation request including account information (conversion) and the installation location of the transaction device 10 . The conversion unit 16 transmits the generated recommendation request to the provision server 100 via the communication unit 11 and the relay server 70 . In other words, when accepting the start of a transaction, the conversion unit 16 converts the personal information (account information (plaintext)) corresponding to the transaction into a token (account information (conversion)), and transmits the token to the providing server 100. .

The acquisition unit 17 receives and acquires the first recommendation information corresponding to the recommendation request from the provision server 100 via the relay server 70 and the communication unit 11 . The acquisition unit 17 outputs the received first recommendation information to the display control unit 18 . That is, the acquisition unit 17 receives and acquires the first recommendation information corresponding to the token from the provision server 100 .

The display control unit 18 displays recommended content on the display operation unit 13 based on the first recommendation information input from the acquisition unit 17 . Here, the recommended content may be included in the first recommended information. That is, the display control unit 18 displays the received first recommendation information. Also, the recommended content may be stored in the storage unit 12 in advance, and the recommended content corresponding to the content identification name of the first recommendation information may be read from the storage unit 12 and displayed.

The display control unit 18 acquires a recommendation result for the displayed recommended content based on the operation information input from the display operation unit 13 . The display control unit 18 generates operation result information including account information (conversion) and recommendation results. The display control unit 18 outputs the generated operation result information to the result transmission unit 19 .

When operation result information is input from the display control unit 18 , the result transmission unit 19 transmits the input operation result information to the provision server 100 via the communication unit 11 and the relay server 70 . That is, the result transmission unit 19 transmits the operation result for the displayed first recommendation information to the providing server 100 .

Conversion of account information will now be described with reference to FIG. FIG. 4 is a diagram showing an example of conversion of account information. As shown in FIG. 4, the account information (plaintext) 12a includes information such as "financial institution code (plaintext)", "branch code (plaintext)", and "account number (plaintext)". A financial institution code is a code that uniquely identifies a financial institution in Japan. A branch code is a code that uniquely identifies a branch within a financial institution. An account number is a code that uniquely identifies a customer within a branch of a financial institution. Note that the SWIFT code or the like defined in ISO 9362 may be used as the financial institution code. In addition, in the case of other types of businesses different from financial institutions, member numbers and member IDs may be used instead of account information.

The conversion unit 16 converts the account information (plaintext) 12a into the account information (conversion) 12b based on the conversion logic stored in the storage unit 12 . The account information (conversion) 12b includes information such as "financial institution code (conversion)", "branch code (conversion)", and "account number (conversion)".

Next, the configuration of the providing server 100 will be described. FIG. 5 is a block diagram showing an example of the configuration of the provision server of the embodiment. As shown in FIG. 5, the providing server 100 has a communication unit 110, a storage unit 120, and a control unit . The providing server 100 may have various functional units of known computers, such as various input devices and audio output devices, in addition to the functional units shown in FIG.

The communication unit 110 is implemented by, for example, a NIC. The communication unit 110 is a communication interface that is connected to the relay server 70 by wire or wirelessly, and controls communication of information with the trading device 10 via the relay server 70 . Also, the communication unit 110 is a communication interface that is connected to the terminal 60 via the network N in a wired or wireless manner and controls information communication with the terminal 60 . Also, the communication unit 110 is a communication interface that is connected to the information management device 50 by wire or wirelessly, and manages communication of information with the information management device 50 .

The communication unit 110 receives a recommendation request and operation result information from the transaction device 10 . The communication unit 110 also receives recommendation management table information from the information management device 50 . Also, the communication unit 110 receives access to the individual URL from the terminal 60 . The communication unit 110 outputs the received recommendation request, operation result information, recommendation management table information, and access to the individual URL to the control unit 130 .

Communication unit 110 transmits the conversion logic input from control unit 130 to transaction device 10 and information management device 50 . Also, the communication unit 110 transmits the first recommendation information input from the control unit 130 to the transaction device 10 . Also, the communication unit 110 transmits the second recommendation information input from the control unit 130 to the terminal 60 . The communication unit 110 also transmits the recommendation result management table information input from the control unit 130 to the information management device 50 .

The storage unit 120 is realized by, for example, a RAM, a semiconductor memory device such as a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 120 has a recommendation management table 121 and a recommendation result management table 122 . The storage unit 120 also stores information used for processing in the control unit 130 .

The recommendation management table 121 associates and stores account information (conversion) and recommendation information. That is, the recommendation management table 121 stores recommendation management table information. FIG. 6 is a diagram showing an example of a recommendation management table. As shown in FIG. 6, the recommendation management table 121 has items such as "account information (conversion)" and "recommendation information". The "recommendation information" has items such as "transaction device content" and "terminal content".

"Account information (conversion)" indicates account information converted by the conversion logic. The "transaction device content" corresponds to the first recommendation information displayed on the transaction device 10, and indicates the content identification name and the content body data. Note that when the recommended content is stored in the transaction device 10, the data of the content body can be omitted. "Terminal content" corresponds to the second recommendation information displayed on the terminal 60, and indicates the content identification name and the URL within the providing server 100 where the data of the content itself is stored, or an external URL. .

Returning to the description of FIG. 5, the recommendation result management table 122 stores, for example, account information (conversion) or an individual identification number and a recommendation result in association with each trading device 10 and terminal 60 . That is, the recommendation result management table 122 stores recommendation result management table information. FIG. 7 is a diagram showing an example of a recommendation result management table. As shown in FIG. 7 , the recommendation result management table 122 has a recommendation result management table 122 a related to the transaction device 10 and a recommendation result management table 122 b related to the terminal 60 . Note that the recommendation result management table 122 may include either or both of the recommendation result management table 122a and the recommendation result management table 122b. Also, in the following description, the recommendation result management table 122a and the recommendation result management table 122b may be collectively referred to as the recommendation result management table 122. FIG.

The recommendation result management table 122a has items such as "account information (conversion)" and "recommendation result". Also, the “recommendation result” has items such as “browsing history” and “operation history”. Further, the "browsing history" has items such as "date and time", "location", and "contents". The “operation history” has items such as “display time” and “selection key”. The recommendation result management table 122b has "individual identification number" in place of the "account information (conversion)" of the recommendation result management table 122a, and the "recommendation result" is the same as the recommendation result management table 122a.

"Account information (conversion)" indicates account information converted by the conversion logic. The “individual identification number” is an identifier for identifying an individual terminal 60, and information such as UUID (Universally Unique Identifier) or IMEI (International Mobile Equipment Identity) can be used. "Date and time" is information indicating the date and time when the recommended content was browsed. "Location" is information indicating the location where the recommended content was browsed. "Content" is information indicating a content identification name. “Display time” is information indicating the time when the recommended content was displayed. The “selection key” is information indicating a key by which a selection operation was performed on the recommended content, and is included in the recommendation result for the displayed recommended content.

Returning to the description of FIG. 5, the control unit 130 is realized by, for example, executing a program stored in an internal storage device using a RAM as a work area by a CPU, MPU, or the like. Also, the control unit 130 may be realized by an integrated circuit such as an ASIC or an FPGA, for example. The control unit 130 includes an acquisition unit 131, a specification unit 132, and a communication control unit 133, and implements or executes information processing functions and actions described below. Note that the internal configuration of the control unit 130 is not limited to the configuration shown in FIG. 5, and may be another configuration as long as it performs information processing described later.

For example, the acquisition unit 131 determines conversion logic of account information by the operation of the administrator of the provision system 1 . Acquisition unit 131 transmits the determined conversion logic to transaction device 10 via communication unit 110 and relay server 70 . The acquisition unit 131 also transmits the determined conversion logic to the information management device 50 via the communication unit 110 . The acquisition unit 131 receives the recommendation management table information including the account information (conversion) converted using the transmitted conversion logic from the information management device 50 via the communication unit 110 . The acquisition unit 131 stores the received recommendation management table information in the recommendation management table 121 .

The specifying unit 132 receives the recommendation request via the relay server 70 and the communication unit 110 . The specifying unit 132 refers to the recommendation management table 121 for the transaction device 10 and specifies the first recommendation information corresponding to the received recommendation request. The specifying unit 132 also refers to the recommendation management table 121 for the terminal 60 and specifies the second recommendation information corresponding to the first recommendation information. Note that the specifying unit 132 may specify the second recommendation information corresponding to the received recommendation request. The specifying unit 132 outputs the specified first recommendation information to the communication control unit 133 .

Further, upon receiving access to the individual URL from the terminal 60 , the specifying unit 132 outputs the second recommendation information corresponding to the received individual URL, that is, the specified second recommendation information to the communication control unit 133 . Note that when the period during which the terminal 60 reads the NFC tag 20, for example, the implementation period of a certain campaign, etc., is included in the individual URL, the identifying unit 132 controls the communication of the identified second recommendation information according to the period. You may make it output to the part 133. FIG.

In other words, upon receiving a token from the transaction device 10, the specifying unit 132 specifies the first recommendation information corresponding to the received token. Further, when receiving access from the terminal 60, the specifying unit 132 specifies the second recommended information according to the first recommended information displayed on the transaction device 10 associated with the identification information.

Communication control section 133 , upon receiving the first recommendation information from specifying section 132 , transmits the first recommendation information to transaction device 10 via communication section 110 and relay server 70 . When the second recommendation information is input from the specifying unit 132 , the communication control unit 133 transmits the second recommendation information to the terminal 60 via the communication unit 110 and the network N.

Communication control unit 133 receives operation result information from transaction device 10 via relay server 70 and communication unit 110 . The communication control unit 133 also receives operation result information from the terminal 60 via the network N and the communication unit 110 . The communication control unit 133 stores the received operation result information in the recommendation result management table 122 . The communication control unit 133 also transmits the contents of the recommendation result management table 122 to the information management device 50 as recommendation result management table information.

In other words, the communication control unit 133 transmits the specified first recommendation information to the transaction device 10 and receives the operation result from the transaction device 10 . The communication control unit 133 also transmits the specified second recommendation information to the terminal 60 .

Next, the flow of information in the providing system 1 will be described with reference to FIG. FIG. 8 is a diagram showing an example of information flow in the provision system of the embodiment.

As shown in FIG. 8, the information management device 50 acquires the customer information 41 from the host computer 40, converts the account information (plain text) into account information (converted), and generates recommendation management table information (step S1). . The information management device 50 transmits the generated recommendation management table information to the provision server 100 (step S2). The providing server 100 stores the received recommendation management table information as a recommendation management table 121 .

When the transaction device 10 receives the start of transaction from the customer, the transaction device 10 performs conventional transaction processing such as deposit and withdrawal (step S3). The transaction device 10 acquires account information (plaintext) from a medium such as a card or passbook, and converts the account information (plaintext) into account information (conversion) (step S4). The transaction device 10 transmits the account information (converted) together with the installation location as a recommendation request to the providing server 100 (step S5).

The providing server 100 specifies the recommendation information using the account information (conversion) of the recommendation request and the installation location as keys, and transmits the recommendation information to the transaction device 10 (step S6). Trading device 10 displays recommended content based on the received recommended information (step S7). The transaction device 10 acquires the recommendation result for the displayed recommended content, and transmits it to the providing server 100 as operation result information together with the account information (conversion) (step S8).

The providing server 100 stores the received operation result information in the recommendation result management table 122 . The providing server 100 transmits the contents of the recommendation result management table 122 as recommendation result management table information to the information management device 50 at a predetermined timing such as once a day (step S9).

The information management device 50 restores the account information (converted) of the received recommendation result management table information to the account information (plaintext), and analyzes the recommendation results (step S10). The information management device 50 transmits the analysis results associated with the account information (plaintext) to the host computer 40 . Based on the analysis result, the host computer 40 generates utilization information of the analysis result by associating the account information (plaintext) with the customer-directed behavior.

When the customer reads the NFC tag 20 installed on the transaction device 10 (step S11), the terminal 60 accesses the read individual URL (step S12). The access destination here is the provision server 100 . Upon receiving access to the individual URL, the providing server 100 transmits second recommendation information corresponding to the individual URL to the terminal 60 . The terminal 60 displays the recommended content based on the received second recommended information (step S13). Incidentally, when the display of the recommended contents is finished only by the transaction device 10, steps S11 to S13 do not have to be performed. As a result, the provision system 1 can ensure the security of personal information.

Here, analysis results will be described with reference to FIGS. 9 and 10. FIG. FIG. 9 is a diagram showing an example of analysis results. The analysis result 51 shown in FIG. 9 is associated with the account information (plain text) in order to be referenced by the accounting system (backbone system) such as the host computer 40 . The analysis result 51, for example, associates an analysis result such as an investment trust prospect with a customer who has not purchased an investment trust.

FIG. 10 is a diagram illustrating an example of utilization information of analysis results. The utilization information 42 shown in FIG. 10 associates actions for customers planned in the host computer 40 or the like with account information (plain text). The utilization information 42 is associated with, for example, actions such as sending investment trust materials and making calls (telephone calls) to customers whose analysis results indicate that investment trusts are expected.

Next, examples of recommended contents displayed on the transaction device 10 and the terminal 60 will be described with reference to FIGS. 11 and 12. FIG. FIG. 11 is a diagram showing an example of a display screen for recommended content. A screen 80 shown in FIG. 11 is an example of recommended content displayed on the transaction device 10 . Screen 80 suggests to the life insurance account payer, for example, that a life insurance policy be reviewed if multiple premiums have been deducted from the account. At this time, when the customer who is operating the transaction device 10 reads the NFC tag 20 installed on the transaction device 10 with the terminal 60 , a screen 81 is displayed on the terminal 60 . The screen 81 displays information such as an inquiry address regarding the review of life insurance, and it is possible to make an inquiry from the screen 81 by e-mail or telephone, for example.

FIG. 12 is a diagram showing another example of a display screen of recommended content. A screen 82 shown in FIG. 12 is an example of recommended content displayed on the transaction device 10 . On the screen 82, for example, seasonal campaign information is displayed. At this time, when the customer who is operating the transaction device 10 reads the NFC tag 20 installed on the transaction device 10 with the terminal 60 , a screen 83 is displayed on the terminal 60 . On the screen 83, for example, information such as an inquiry destination for a campaign related to investment trusts is displayed, and inquiries can be made from the screen 83 by e-mail or telephone, for example.

Next, the operation of the provision system 1 of the embodiment will be described. First, preprocessing such as sharing of conversion logic will be described. FIG. 13 is a sequence diagram illustrating an example of preprocessing according to the embodiment.

The acquiring unit 131 of the providing server 100 determines the conversion logic of the account information, for example, by the operation of the administrator of the providing system 1 (step S21). Acquisition unit 131 transmits the determined conversion logic to transaction device 10 and information management device 50 (step S22). Upon receiving the conversion logic from the providing server 100, the control unit 14 of the transaction device 10 stores the received conversion logic in the storage unit 12 (step S23).

The information management device 50 receives and stores the conversion logic from the provision server 100 (step S24). The information management device 50 acquires customer information from the host computer 40 (step S25), and converts the account information (plaintext) into account information (conversion) based on the conversion logic (step S26). The information management device 50 generates recommendation management table information in which account information (converted) and recommendation information are associated with each other, and transmits the generated recommendation management table information to the provision server 100 (step S27).

The acquisition unit 131 of the providing server 100 receives the recommendation management table information from the information management device 50 and stores it in the recommendation management table 121 (step S28). Thereby, transaction device 10 and information management device 50 can share conversion logic. The providing server 100 can also acquire recommendation management table information.

Next, the first information providing process in which the providing server 100 provides recommended content to the transaction device 10 will be described. FIG. 14 is a sequence diagram showing an example of the first information providing process of the embodiment.

The transaction processing unit 15 of the transaction device 10 accepts the insertion of a medium such as a card or passbook and various inputs such as the transaction type, etc., by the customer's operation (step S31). The transaction processing unit 15 processes the transaction by transmitting/receiving the transaction message to/from the host computer 40 according to the input of the accepted transaction (step S32).

When the transaction is started in the transaction processing unit 15, the conversion unit 16 acquires the account information from the medium (step S33). The conversion unit 16 refers to the storage unit 12 and converts the acquired account information (plaintext) into account information (conversion) based on the conversion logic (step S34). The conversion unit 16 generates a recommendation request including account information (conversion) and the installation location of the transaction device 10 . The conversion unit 16 transmits the generated recommendation request to the provision server 100 (step S35).

The specifying unit 132 of the providing server 100 receives the recommendation request. The specifying unit 132 refers to the recommendation management table 121 and specifies the first recommendation information corresponding to the received recommendation request (step S36). The specifying unit 132 also refers to the recommendation management table 121 to specify the second recommendation information corresponding to the first recommendation information (step S37). The specifying unit 132 outputs the specified first recommendation information to the communication control unit 133 . When the first recommendation information is input from the identification unit 132, the communication control unit 133 transmits the first recommendation information to the transaction device 10 (step S38).

The acquisition unit 17 of the transaction device 10 receives the first recommendation information corresponding to the recommendation request from the provision server 100 . The acquisition unit 17 outputs the received first recommendation information to the display control unit 18 . The display control unit 18 displays the recommended content on the display operation unit 13 based on the first recommendation information input from the acquisition unit 17 (step S39). The display control unit 18 acquires a recommendation result for the displayed recommended content based on the operation information input from the display operation unit 13 (step S40). The display control unit 18 generates operation result information including account information (conversion) and recommendation results, and outputs the operation result information to the result transmission unit 19 . When the operation result information is input from the display control unit 18, the result transmission unit 19 transmits the input operation result information to the providing server 100 (step S41).

The communication control unit 133 of the providing server 100 receives the operation result information from the transaction device 10 . The communication control unit 133 stores the received operation result information in the recommendation result management table 122 (step S42). The transaction processing unit 15 of the transaction device 10 releases the medium at the end of the transaction to end the transaction (step S43). Thereby, the transaction device 10 can display the recommended content corresponding to the account information. Also, the providing server 100 can acquire a recommendation result corresponding to the recommendation information.

Next, a second information providing process in which the providing server 100 provides recommended content to the terminal 60 will be described. FIG. 15 is a sequence diagram showing an example of the second information providing process of the embodiment. The second information providing process is executed, for example, when the customer brings the terminal 60 close to the NFC tag 20 in step S40 of the first information providing process.

The terminal 60 reads the NFC tag 20 and acquires the individual URL of the web service (step S51). The terminal 60 accesses the web service of the individual URL using a browser (step S52).

Upon receiving access to the individual URL from the terminal 60 , the specifying unit 132 of the providing server 100 outputs second recommendation information corresponding to the received individual URL to the communication control unit 133 . When the second recommendation information is input from the identification unit 132, the communication control unit 133 transmits the second recommendation information to the terminal 60 (step S53).

The terminal 60 receives the second recommended information from the providing server 100 and displays the recommended content (step S54). The terminal 60 acquires a recommendation result for the displayed recommended content (step S55). The terminal 60 generates operation result information including the individual identification number of the terminal 60 and the recommendation result, and transmits it to the providing server 100 (step S56).

The communication control unit 133 of the providing server 100 receives the operation result information from the terminal 60 . The communication control unit 133 stores the received operation result information in the recommendation result management table 122 (step S57). Thereby, the terminal 60 can display the recommended content corresponding to the operation on the transaction device 10 . Also, the providing server 100 can acquire a recommendation result corresponding to the recommendation information.

Next, post-processing in which the providing server 100 transmits the recommendation result management table information to the information management device 50 will be described. FIG. 16 is a sequence diagram illustrating an example of post-processing according to the embodiment.

The communication control unit 133 of the providing server 100 transmits the contents of the recommendation result management table 122 to the information management device 50 as recommendation result management table information (step S61). The information management device 50 receives and acquires recommendation result management table information from the provision server 100 . The information management device 50 converts the acquired account information (conversion) of the recommendation result management table information into account information (plaintext) (step S62). The information management device 50 generates an analysis result by analyzing the operation result (recommendation result), associates it with the account information (plaintext), and transmits it to the host computer 40 (step S63). Thereby, the information management device 50 can analyze the recommendation result.

Thus, the provision system 1 has the transaction device 10 and the provision server 100 . When accepting the start of a transaction, the transaction device 10 converts the personal information corresponding to the transaction into a token and transmits the token to the providing server 100 . Also, the trading device 10 receives the first recommendation information corresponding to the token from the providing server 100 . Moreover, the transaction device 10 displays the received first recommendation information. In addition, the trading device 10 transmits to the providing server 100 an operation result for the displayed first recommendation information. When the providing server 100 receives the token from the transaction device 10, the providing server 100 specifies the first recommendation information corresponding to the received token. The providing server 100 also transmits the specified first recommendation information to the transaction device 10 and receives the operation result from the transaction device 10 . As a result, the providing system 1 can ensure the security of personal information.

In addition, the providing system 1 further has a terminal 60 which is an information processing terminal. When the terminal 60 reads the identification information associated with the transaction device 10 and accesses the provision server 100 , the terminal 60 receives second recommendation information corresponding to the first recommendation information from the provision server 100 . As a result, the providing system 1 can provide more detailed recommended content while ensuring the security of personal information.

Further, when receiving an access from the terminal 60, the providing server 100 specifies the second recommended information according to the first recommended information displayed on the trading device 10 associated with the identification information. The providing server 100 also transmits the identified second recommendation information to the terminal 60 . As a result, the providing system 1 can provide the terminal 60 with recommended content corresponding to the recommended content displayed on the transaction device 10 .

The terminal 60 accesses the provision server 100 using the identification information of the terminal 60 . As a result, the providing system 1 can provide recommended content associated with the identification information of the terminal 60 .

The provision system 1 further has an information management device 50 . The information management device 50 acquires recommendation results (recommendation result management table information) in which tokens and operation results are associated with each other from the provision server 100 . Further, the information management device 50 converts the token (account information (converted)) of the acquired recommendation result into personal information (account information (plaintext)). In addition, the information management device 50 stores an analysis result obtained by analyzing the operation result in the storage unit in association with the personal information. As a result, the providing system 1 can acquire the analysis result associated with the account information (plaintext).

In the above embodiment, as the recommended information to be provided, review of life insurance and seasonal campaign information are mentioned, but the information is not limited to this. For example, on the basis of the contents of the recommendation management table 121, it is possible to provide stage information based on account opening campaigns and transaction points. Similarly, for example, if the child is about to enter school, information can be provided to guide the child to a consultation desk regarding an education loan. Similarly, for example, if mail is undelivered, information can be provided that directs a contact to change address. Also, for example, if the account has been used as a payroll account for many years, it is possible to provide information that guides the person to the counter regarding asset management. In addition, information leading to sales promotion of investment trusts, bonds, stocks, etc. may be provided according to the deposit balance based on the transaction information of the transaction device 10 or the like.

Further, in the above-described embodiment, an ATM of a financial institution was described as an example of the transaction device 10, but the transaction device 10 is not limited to this. For example, each of the information providing processes described above may be applied using various terminals capable of transactions such as POS (Point Of Sales) registers, self-checkouts, ticket vending machines, automatic vending machines, and kiosk terminals.

Further, in the above embodiment, the NFC tag 20 is installed in the transaction device 10, and the customer uses the terminal 60 to read the NFC tag 20. However, the present invention is not limited to this. For example, the first information providing process for displaying the recommended content on the transaction device 10 may be performed, and the second information providing process may not be performed. In this case, the terminal 60 does not have to be included in the providing system 1 .

In the above embodiment, the NFC tag 20 was read as a trigger for the terminal 60 to access the individual URL, but the present invention is not limited to this. For example, in the providing server 100, a table that associates the individual identification number of the terminal 60 with the account information (conversion) is prepared, and using the individual identification number included in the access to the individual URL from the terminal 60, The second recommendation information may be transmitted to the terminal 60. FIG. Thereby, the customer who possesses the terminal 60 can browse the recommended content corresponding to the second recommended information even at a place away from the transaction device 10 .

Also, each constituent element of each part illustrated does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each part is not limited to the one shown in the figure, and all or part of it can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. can be configured as For example, the acquisition unit 17, the display control unit 18, and the result transmission unit 19 of the transaction device 10 may be integrated. Moreover, the illustrated processes are not limited to the order described above, and may be performed simultaneously or in a different order as long as the contents of the processes are not inconsistent.

Furthermore, the various processing functions performed by each device may be executed in whole or in part on a CPU (or a microcomputer such as an MPU or MCU (Micro Controller Unit)). Also, various processing functions may be executed in whole or in part on a program analyzed and executed by a CPU (or a microcomputer such as an MPU or MCU) or on hardware based on wired logic. It goes without saying that it is good.

By the way, the various processes described in each of the above embodiments can be realized by executing a prepared program on a computer. Therefore, an example of a computer that executes a program having functions similar to those of the above embodiments will be described below. FIG. 17 is a diagram illustrating an example of a computer that executes a provided program;

As shown in FIG. 17, a computer 200 has a CPU 201 that executes various arithmetic processes, an input device 202 that receives data input, and a monitor 203 . The computer 200 also includes a medium reading device 204 for reading programs and the like from a storage medium, an interface device 205 for connecting to various devices, and a communication device 206 for connecting to other information processing devices by wire or wirelessly. have The computer 200 also has a RAM 207 that temporarily stores various information, and a hard disk device 208 . Each device 201 - 208 is also connected to a bus 209 .

The hard disk device 208 stores a provided program having functions similar to those of the transaction processing unit 15, the conversion unit 16, the acquisition unit 17, the display control unit 18, and the result transmission unit 19 shown in FIG. The hard disk device 208 also stores conversion logic, account information (plaintext), and account information (conversion). The input device 202 receives input of various information such as operation information from the user (customer) of the computer 200, for example. The monitor 203 displays various screens such as an output screen to the user of the computer 200, for example. The interface device 205 is connected with, for example, a printing device. The communication device 206 has, for example, the same function as the communication unit 11 shown in FIG. 3, is connected to the network N, and exchanges various information with the provision server 100 .

The CPU 201 performs various processes by reading each program stored in the hard disk device 208, developing it in the RAM 207, and executing it. Further, these programs can cause computer 200 to function as transaction processing unit 15, conversion unit 16, acquisition unit 17, display control unit 18, and result transmission unit 19 shown in FIG.

Note that the above provided program does not necessarily have to be stored in the hard disk device 208 . For example, computer 200 may read and execute a program stored in a storage medium readable by computer 200 . Examples of storage media readable by the computer 200 include portable recording media such as CD-ROMs, DVDs (Digital Versatile Discs), and USB (Universal Serial Bus) memories, semiconductor memories such as flash memories, and hard disk drives. . Alternatively, the provided program may be stored in a device connected to a public line, the Internet, a LAN, etc., and the computer 200 may read and execute the provided program from these devices.

1 Provision System 10 Trading Device 11 Communication Unit 12 Storage Unit 13 Display Operation Unit 14 Control Unit 15 Transaction Processing Unit 16 Conversion Unit 17 Acquisition Unit 18 Display Control Unit 19 Result Transmission Unit 20 NFC Tag 30 Data Center 40 Host Computer 50 Information Management Device 60 terminal 70 relay server 100 providing server 110 communication unit 120 storage unit 121 recommendation management table 122 recommendation result management table 130 control unit 131 acquisition unit 132 identification unit 133 communication control unit N network

Claims (5)

The provision system has a transaction device, a provision server, and an information processing terminal ,
The transaction device is
a conversion unit that converts the personal information corresponding to the transaction into a token and transmits the token to the providing server when the start of the transaction is accepted;
an obtaining unit that receives first recommendation information corresponding to the token from the providing server;
a display control unit that displays the received first recommendation information;
a result transmission unit that transmits an operation result for the displayed first recommendation information to the providing server;
The providing server is
a specifying unit that, when receiving the token from the transaction device, specifies the first recommendation information corresponding to the received token;
a communication control unit that transmits the specified first recommendation information to the transaction device and receives the operation result from the transaction device;
The information processing terminal
When the identification information associated with the trading device is read and the providing server is accessed, second recommendation information corresponding to the first recommendation information is received from the providing server.
A provision system characterized by: When receiving access from the information processing terminal, the identifying unit of the providing server generates the second recommended information according to the first recommended information displayed on the trading device associated with the identification information. identify the
the communication control unit of the providing server transmits the specified second recommendation information to the information processing terminal;
The providing system according to claim 1 , characterized by: The information processing terminal accesses the providing server using the identification information of the information processing terminal;
3. The providing system according to claim 1 or 2 , characterized by: The provision system further has an information management device,
The information management device
an acquisition unit that acquires a recommendation result in which the token and the operation result are associated with each other from the providing server;
a conversion unit that converts the token of the acquired recommendation result into the personal information;
a storage unit that stores an analysis result obtained by analyzing the operation result in a storage unit in association with the personal information;
The providing system according to any one of claims 1 to 3 , characterized by: A providing method in a providing system having a trading device, a providing server, and an information processing terminal,
when the start of the transaction is accepted, converts the personal information corresponding to the transaction into a token, transmits the token to the providing server,
receiving first recommendation information corresponding to the token from the providing server;
displaying the received first recommendation information;
sending an operation result for the displayed first recommendation information to the providing server;
The transaction device executes the processing,
Upon receiving the token from the transaction device, identifying the first recommendation information corresponding to the received token,
transmitting the identified first recommendation information to the transaction device and receiving the operation result from the transaction device;
The providing server executes the processing,
When the identification information associated with the trading device is read and the providing server is accessed, second recommendation information corresponding to the first recommendation information is received from the providing server.
The information processing terminal executes the process,
A provision method characterized by:

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