JP7293853B2 - Transaction linkage program, transaction linkage method and information processing device - Google Patents

Description

The present invention relates to a transaction cooperation program and the like.

2. Description of the Related Art In recent years, bank branches use financial institution teller support systems to reduce the burden on bank employees. FIG. 12 is a diagram for explaining the financial institution teller support system. In the financial institution teller support system, a branch terminal 10A operated by a bank employee and an ATM (Automatic Teller Machine) 10B operated by a customer are arranged together, and transactions are performed while the branch terminal 10A and the ATM 10B cooperate. is a counter to do. In the following description, the branch terminal 10A and the ATM 10B are collectively referred to as a station 10. FIG.

The financial institution teller support system is a "semi-self" office operation in which bank employees and customers work together. Transactions such as deposits, transfers, and withdrawals can be performed. In addition, since the cash is delivered by the ATM 10B, the bank employee does not have to touch the cash directly.

JP 2015-60405 A Japanese Patent Publication No. 58-19105

As described above, the financial institution teller support system is premised on semi-self-service, but there is a need for self-service in order to reduce the burden on bank employees. However, in the conventional financial institution teller support system, it is difficult to make large withdrawals self-service from the viewpoint of crime prevention. A large withdrawal refers to a withdrawal of a predetermined amount (for example, 2,000,000 yen) or more.

FIG. 13 is a diagram for explaining a large withdrawal procedure using a conventional financial institution teller support system. The customer inserts the cash card into the ATM 10B of the station, enters the details of the transaction (large withdrawal) and the PIN number in the presence of a bank clerk, and conducts the transaction with the host server 20, thereby obtaining the customer's ledger information. Update. A number tag 6 is issued from the ATM 10B. When the host server 20 registers information on the withdrawal amount based on the transaction details in the DB (Data Base) 15, the station outputs the information on the withdrawal amount and the information on the number tag 6 to the sales terminal 10B.

The bank staff confirms the information on the withdrawal amount displayed on the sales terminal 10B and the information on the number tag 6, takes out cash from the cash processor 25 in the backyard, and hands it over to the customer. In this way, the banker supports the customer's transaction from the start of the transaction to the end of the transaction, which places a heavy burden on the banker. It should be noted that procedures using physical items other than cash (passbooks, seals, etc.) are also difficult to self-manage and are handled by bank employees.

In one aspect, an object of the present invention is to provide a transaction cooperation program, a transaction cooperation method, and an information processing apparatus that can maintain safety even if a customer himself/herself executes a large cash transaction.

In the first scheme, the computer is caused to perform the following processing. The computer receives the transaction type, and if the received acquisition type is cash transaction, determines whether or not the amount of money in the transaction is equal to or greater than a predetermined amount. If the amount of money is equal to or greater than a predetermined amount, the computer coordinates the transaction with the device that executes the cash transaction after executing the face authentication process. When the amount of money is less than a predetermined amount, the computer suppresses activation of the face authentication process and cooperates with the apparatus for executing the cash transaction.

Large cash transactions can be safely carried out by the customer himself.

FIG. 1 is a diagram for explaining an example of a transaction cooperation system according to the first embodiment. FIG. 2 is a functional block diagram showing the configuration of the tablet terminal according to the first embodiment. FIG. 3 is a diagram showing an example of the data structure of the customer information table according to the first embodiment. FIG. 4 is a functional block diagram showing the configuration of the host server according to the first embodiment. FIG. 5 is a flow chart showing the processing procedure of the tablet terminal according to the first embodiment. FIG. 6 is a diagram for explaining a conventional procedure for withdrawal using a seal and passbook. FIG. 7 is a diagram for explaining an example of a transaction cooperation system according to the second embodiment. FIG. 8 is a functional block diagram showing the configuration of the tablet terminal according to the second embodiment. FIG. 9 is a functional block diagram showing the configuration of the host server according to the second embodiment. FIG. 10 is a flow chart showing the processing procedure of the tablet terminal according to the second embodiment. FIG. 11 is a diagram illustrating an example of a hardware configuration of a computer that implements functions similar to those of the tablet terminal according to this embodiment. FIG. 12 is a diagram for explaining the financial institution teller support system. FIG. 13 is a diagram for explaining a large withdrawal procedure using a conventional financial institution teller support system.

Hereinafter, embodiments of the transaction cooperation program, the transaction cooperation method, and the information processing apparatus disclosed in the present application will be described in detail based on the drawings. In addition, this invention is not limited by this Example.

FIG. 1 is a diagram for explaining an example of a transaction cooperation system according to the first embodiment. As shown in FIG. 1, this transaction cooperation system has a station 50, a DB 55, a branch server 60, a host server 70, and a tablet terminal 100. FIG. The tablet terminal 100 is an example of an “information processing device”.

The station 50 has a branch terminal 50B operated by a bank employee and an ATM 50A. Station 50 is connected to DB 55 and branch server 60 . The branch server 60 is connected to the host server 70 .

A tablet terminal 100 is connected to a card reader 105 and has a camera 106 . The tablet terminal 100 accesses the branch server 60 by wireless communication, and performs data communication with the host server 70 via the branch server 60 . Note that the tablet terminal 100 may directly access the host server 70 through wireless communication.

Further, the tablet terminal 100 accesses the DB 55 by wireless communication, and registers in the DB 55 information on the amount of money to be withdrawn transmitted from the host server 70 and information on the face image of the customer captured by the camera 106 .

Here, the customer executes a payment-related transaction by operating the tablet terminal 100 . The tablet terminal 100 may be located anywhere as long as it can perform wireless communication with the DB 55 and the branch server 60 (host server 70).

The tablet terminal 100 accepts transaction details (withdrawal) by customer's operation. The tablet terminal 100 uses the card reader 105 to obtain information on the cash card 5 and accepts the personal identification number to authenticate the customer. For example, the information on the cash card 5 includes bank code, branch number, account, and account number. In the following explanation, the bank code, branch number, item, and account number are collectively referred to as "passbook information".

When the customer authentication is successful, the tablet terminal 100 determines whether or not the withdrawal amount is equal to or greater than a predetermined amount, based on the transaction content information. The predetermined amount is set in advance, for example, 2,000,000 yen. The tablet terminal 100 executes face authentication processing when the amount of money withdrawn is equal to or greater than a predetermined amount.

Face authentication processing will be described below. The tablet terminal 100 activates the camera 106 to capture the facial image of the customer who operates the tablet terminal 100 . The tablet terminal 100 generates a unique customer number, associates the generated customer number with the facial image information, and registers them in the DB 55 . The information of the face image registered in the DB 55 is referred to as "authentication face image information". The tablet terminal 100 may register the customer name in the DB 55 in association with the customer number.

The tablet terminal 100 transmits transaction details information and passbook information to the host server 70 via the branch server 60 . The host server 70 updates the amount of money (ledger information) associated with the passbook information according to the information on the transaction details. The host server 70 transmits to the tablet terminal 100 "passbook printing information" accompanying the transaction content (withdrawal) and "information on the amount of money withdrawn". The passbook print information includes information on the customer's balance updated according to transaction details. For example, if the customer's savings amount is 3 million yen and the transaction content is a withdrawal of 2 million yen, the passbook printing information includes information to the effect that 2 million yen has been withdrawn and the balance is 1 million yen. be

The tablet terminal 100 registers the information on the withdrawal amount received from the host server 70 and the passbook printing information in the DB 55 in association with the customer number. The branch terminal 50B reads out the information on the withdrawal amount and the customer name registered in the DB 55 and displays them on the display. The bank clerk confirms the withdrawal amount displayed on the display and takes out cash from the cash processing machine installed in the backyard. The banker calls the customer by referring to the customer name displayed on the display.

When the customer receives the call, he or she takes the tablet terminal 100 and goes to a predetermined receiving place. When the customer arrives at the receiving place, the customer operates the tablet terminal 100 to request face authentication.

Upon receiving the face authentication request, the tablet terminal 100 reads authentication face image information from the DB 55 . In addition, the tablet terminal 100 activates the camera 106 to photograph the customer's face image, compares the information of the photographed face image with the face image information for authentication, and determines whether the features of each face image match. determine whether or not The tablet terminal 100 displays, on the screen of the tablet terminal 100, information to the effect that the authentication is successful when the features of the face images match. On the other hand, when the features of the face images do not match, the tablet terminal 100 displays information indicating that the authentication has failed on the screen of the tablet terminal 100 .

The bank employee at the receiving place refers to the screen of the tablet terminal 100, and hands the cash corresponding to the content of the transaction to the customer only when the information indicating that the authentication is successful is displayed. When the customer inserts the passbook into the ATM 50A, the ATM 50A reads the passbook print information from the DB 55 and prints the passbook print information on the passbook.

By the way, when the amount of money withdrawn is less than the predetermined amount, the tablet terminal 100 executes the following process without executing the face authentication process.

The tablet terminal 100 transmits transaction details information and passbook information to the host server 70 via the branch server 60 . The host server 70 updates the amount of money associated with the passbook information according to the transaction content information. The host server 70 transmits to the tablet terminal 100 the passbook print information associated with the content of the transaction (withdrawal) and the information of the amount of money withdrawn.

The tablet terminal 100 registers the information on the withdrawal amount received from the host server 70 and the passbook printing information in the DB 55 in association with the customer number. The tablet terminal 100 displays the customer number on the screen of the tablet terminal 100 . The customer operates the ATM 50A and inputs the customer number. When receiving the input of the customer number, the ATM 50A accesses the DB 55 and dispenses cash according to the information on the amount of money to be withdrawn corresponding to the customer number. Also, when the customer inserts the passbook into the ATM 50A, the ATM 50A reads the passbook print information from the DB 55 and prints the passbook print information on the passbook.

As described above, in the transaction cooperation system according to the first embodiment, when the content of the transaction is a large withdrawal, the camera 106 of the tablet terminal 100 is used to photograph the facial image of the customer who has operated the transaction. The face image registered in the DB 55 is used to authenticate the customer by using the face image registered in the DB 55 at the time of cash delivery after the execution of the processing related to the cash transaction. This allows customers to carry out large cash transactions themselves safely.

Next, an example configuration of the tablet terminal 100 according to the first embodiment will be described. FIG. 2 is a functional block diagram showing the configuration of the tablet terminal according to the first embodiment. As shown in FIG. 2 , this tablet terminal 100 has a camera 106 , an interface 110 , a wireless communication section 120 , a touch panel 130 , a storage section 140 and a control section 150 .

The camera 106 is an imaging device using a CCD (Charge Coupled Device), a CMOS (Complementary Metal Oxide Semiconductor), or the like. As described with reference to FIG. 1 , the camera 106 captures a face image of the customer operating the tablet terminal 100 and outputs information on the face image to the control unit 150 .

The interface 110 is a device that connects with the card reader 105 . The card reader 105 is a device that reads information (passbook information) on the cash card 5, as described in FIG. The interface 110 acquires passbook information from the card reader 105 and outputs the acquired passbook information to the control unit 150 .

The wireless communication unit 120 performs wireless communication with the branch server 60 via a wireless LAN (Local Area Network) or the like. The tablet terminal 100 transmits data to the host server 70 and receives data from the host server 70 via the branch server 60 . Also, the wireless communication unit 120 accesses the DB 55 via a wireless LAN or the like to register and read data. The wireless communication unit 120 may directly perform wireless communication with the host server 70 . Wireless communication unit 120 corresponds to a wireless communication device.

Touch panel 130 is a displayable and inputtable device. As described with reference to FIG. 1, the customer operates the touch panel 130 to input transaction details (withdrawal), input a personal identification number, request face authentication, and the like. Touch panel 130 outputs the received information to control unit 150 .

Storage unit 140 has customer information table 141 . The storage unit 140 corresponds to semiconductor memory devices such as RAM (Random Access Memory) and flash memory, and storage devices such as HDD (Hard Disk Drive).

The customer information table 141 is a table that holds information on customers who conduct transactions. FIG. 3 is a diagram showing an example of the data structure of the customer information table according to the first embodiment. As shown in FIG. 3, the customer information table 141 has customer numbers for identifying customers, passbook information, and transaction content information. The customer number is a unique number generated by the tablet terminal 100 when the customer starts trading. The passbook information is passbook information read from the cash card 5, and has a bank code, branch number, subject, and account number. The transaction content information is information on the transaction content (deposit, transfer, withdrawal) input by the customer by operating the touch panel 130 . In the first embodiment, as an example, the transaction content information is the withdrawal amount information.

Control unit 150 includes reception unit 151 , determination unit 152 , cooperation processing unit 153 , and face authentication processing unit 154 . The control unit 150 can be realized by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like. The control unit 150 can also be realized by hardwired logic such as ASIC (Application Specific Integrated Circuit) and FPGA (Field Programmable Gate Array).

Accepting unit 151 accepts passbook information of cash card 5 from card reader 105 via interface 110 . The reception unit 151 receives information on transaction details from the touch panel 130 operated by the customer. When receiving transaction details information, the reception unit 151 requests the customer to enter a personal identification number and authenticates the customer. The reception unit 151 generates a customer number for identifying the customer when the customer is successfully authenticated. The reception unit 151 registers the customer number, the passbook information, and the transaction content information in the customer information table 141 .

The determination unit 152 is a processing unit that acquires transaction content information registered in the customer information table 141 and determines whether or not the transaction amount is equal to or greater than a predetermined amount. The determination unit 152 outputs the determination result to the cooperation processing unit 153 .

Based on the determination result of the determination unit 152, if the transaction amount is equal to or greater than a predetermined amount, the cooperation processing unit 153 requests the face authentication processing unit 154 to perform the face authentication process, and then executes the cash transaction. It cooperates with the host server 70 and the station 50 .

On the other hand, based on the determination result of the determination unit 152, if the transaction amount is less than the predetermined amount, the cooperation processing unit 153 suppresses the face authentication processing unit 154 from requesting the face authentication processing to be executed, and the cash transaction is performed. , the host server 70 and the station 50 are linked.

First, the processing of the cooperation processing unit 153 and the face authentication processing unit 154 when the transaction amount is equal to or greater than a predetermined amount will be described. The face authentication processing unit 154 acquires face image information (authentication face image information) by activating the camera 106 and photographing the face image of the customer who operates the tablet terminal 100 . The face authentication processing unit 154 associates the customer number and face image information for authentication and registers them in the DB 55 .

The cooperation processing unit 153 transmits the transaction details information and passbook information registered in the customer information table 141 to the host server 70 via the branch server 60 . Here, the host server 70 updates the amount of money (ledger information) associated with the passbook information according to the information on the transaction details. The host server 70 transmits "passbook print information" accompanying the transaction content (withdrawal) and "withdrawal amount information" to the tablet terminal 100 (cooperation processing unit 153).

The cooperation processing unit 153 registers the information on the withdrawal amount and the passbook printing information in the DB 55 in association with the customer number.

Upon receiving a face authentication request from a customer operating touch panel 130 , face authentication processing unit 154 reads from DB 55 an authentication face image corresponding to the customer number in customer information table 141 . The face authentication processing unit 154 activates the camera 106 and captures the face image of the customer who operates the tablet terminal 100, thereby acquiring face image information of the customer who requested the face authentication. In the following description, the face image information of a customer who requested face authentication is referred to as "authentication target face image information".

The face authentication processing unit 154 compares the feature amount of the authentication target face image information and the feature amount of the authentication face image information, and determines whether or not they match. The feature amount corresponds to HOG (Histograms of Oriented Gradients), SIFT (Scale Invariant Feature Transform), SURF (Speeded Up Robust Features), and the like.

For example, when the difference between the feature amount of the authentication target face image information and the feature amount of the authentication face image information is less than the threshold, the face authentication processing unit 154 sets the feature amount of the authentication target face image information to the authentication target face image information. It is determined that the feature amount of the face image information matches. If the difference between the feature amount of the authentication target face image information and the feature amount of the authentication face image information is equal to or greater than a threshold, the face authentication processing unit 154 It is determined that the feature amount of the information does not match.

The face authentication processing unit causes the touch panel 130 to display information to the effect that the authentication was successful when it is determined that they match. The face authentication processing unit causes the touch panel 130 to display information to the effect that authentication has failed when it is determined that they do not match. The bank employee at the receiving place refers to the screen of the tablet terminal 100, and hands the cash corresponding to the content of the transaction to the customer only when the information indicating that the authentication is successful is displayed.

Next, the processing of the cooperation processing unit 153 when the transaction amount is less than a predetermined amount will be described. The cooperation processing unit 153 transmits the transaction details information and passbook information registered in the customer information table 141 to the host server 70 via the branch server 60 . Here, the host server 70 updates the amount of money (ledger information) associated with the passbook information according to the information on the transaction details. The host server 70 transmits "passbook print information" accompanying the transaction content (withdrawal) and "withdrawal amount information" to the tablet terminal 100 (cooperation processing unit 153).

The cooperation processing unit 153 registers the information on the withdrawal amount and the passbook printing information received from the host server 70 in the DB 55 in association with the customer number in the customer information table 141 .

Next, an example of the configuration of the host server 70 shown in FIG. 1 will be described. FIG. 4 is a functional block diagram showing the configuration of the host server according to the first embodiment. As shown in FIG. 4 , this host server 70 has a communication section 71 , a storage section 72 and a control section 73 .

The communication unit 71 is a processing unit that executes data communication with the branch server 60, the tablet terminal 100, and the station 50 by wire or wirelessly. The communication unit 71 is an example of a communication device.

The storage unit 72 has a ledger DB 72a. The storage unit 72 corresponds to semiconductor memory elements such as RAM and flash memory, and storage devices such as HDD.

The ledger DB 72a is a database that holds various types of information related to the ledger, such as customer savings balances and transaction histories, in association with account numbers.

The control unit 73 has a receiving unit 73a, a transaction executing unit 73b, and a transmitting unit 73c. The control unit 73 can be implemented by a CPU, MPU, or the like. The control unit 73 can also be realized by hardwired logic such as ASIC and FPGA.

The receiving unit 73 a is a processing unit that receives transaction content information and passbook information from the tablet terminal 100 . The receiving unit 73a outputs the received transaction content information and passbook information to the transaction executing unit 73b.

The transaction execution unit 73b is a processing unit that executes various transactions based on transaction content information and passbook information. For example, the transaction execution unit 73b accesses the ledger DB 72a, updates the balance by subtracting the withdrawal amount from the balance corresponding to the customer's account number, and updates the transaction details and information on the date and time of the transaction. , register in the ledger information corresponding to the account number.

The transaction executing unit 73b generates passbook print information associated with the content of the transaction (withdrawal) and information on the amount of money withdrawn, and outputs the generated information to the transmission unit 73c. The passbook print information includes information such as the updated balance, transaction details, date and time of the transaction, and the like. The information on the amount of money withdrawn includes the information on the amount of money withdrawn included in the information on the content of the transaction.

The transmission unit 73 c is a processing unit that uses the communication unit 71 to transmit passbook print information and information on the amount of money to be withdrawn to the tablet terminal 100 .

By the way, it is assumed that the DB 55 is connected to a response processing device (not shown) that responds to access from the tablet terminal 100 and access from the station 50 . For example, this response processing device receives from the tablet terminal 100 a customer number, payment amount information, passbook print information, face image information for authentication, and receives the customer number, payment amount information, passbook print information, and authentication face image information. The face image information is registered in the DB55.

When a request for face image information for authentication is received from the tablet terminal 100 by designating a customer number, the response processing device searches the DB 55 for face image information for authentication corresponding to the customer number, and generates a face image for authentication. Information is transmitted to the tablet terminal 100 .

When the response processing device receives an access from the branch terminal 50B, it transmits the information on the customer number and the withdrawal amount to the branch terminal 50B. When receiving the customer number from the ATM 50A, the response processing device transmits information on the withdrawal amount and passbook print information corresponding to the customer number to the ATM 50A.

Next, an example of the processing procedure of the tablet terminal 100 according to the first embodiment will be described. FIG. 5 is a flow chart showing the processing procedure of the tablet terminal according to the first embodiment. As shown in FIG. 5, the reception unit 151 of the tablet terminal 100 receives input of transaction details (step S101). The accepting unit 151 uses the card reader 105 to acquire passbook information from the cash card (step S102).

The accepting unit 151 accepts the personal identification number and executes customer authentication processing (step S103). The reception unit 151 generates a customer number, and registers the customer number, passbook information, and transaction content information in the customer information table 141 (step S104).

The determination unit 152 of the tablet terminal 100 determines whether or not the withdrawal amount is equal to or greater than a predetermined amount, and outputs the determination result to the cooperation processing unit 153 (step S105). If the amount is equal to or greater than the predetermined amount (step S106, Yes), the cooperation processing unit 153 of the tablet terminal 100 requests the face authentication processing unit 154 to activate the camera 106 and photograph the customer's face image. The face authentication processing unit 154 registers the customer number and face image information for authentication in the DB 55 (step S107). The cooperation processing unit 153 transmits the transaction content information and the passbook information to the host server 70 (step S108).

The cooperative processing unit 153 receives the information on the amount of money to be withdrawn and the passbook printing information from the host server 70 (step S109). The cooperation processing unit 153 registers the information on the withdrawal amount and the passbook printing information in the DB 55 in association with the customer number (step S110).

When receiving the authentication request, the face authentication processing unit 154 activates the camera 106 to take a face image (step S111). The face authentication processing unit 154 compares the photographed face image information with the face image information for authentication in the DB 55 to perform face authentication (step S112). The face authentication processing unit 154 displays the face authentication result on the touch panel 130 (step S113).

On the other hand, in step S106, if the amount is equal to or greater than the predetermined amount (step S106, No), the cooperation processing unit 153 transmits the transaction content information and the passbook information to the host server 70 (step S114).

The cooperation processing unit 153 receives the information on the withdrawal amount and the passbook print information from the host server 70 (step S115). The cooperation processing unit 153 registers the information on the withdrawal amount and the passbook printing information in the DB 55 in association with the customer number (step S116).

Next, the effect of the transaction cooperation system according to the first embodiment will be explained. In the transaction cooperation system, the tablet terminal 100 determines whether or not the withdrawal amount is equal to or greater than a predetermined amount based on the information on the transaction details. When the withdrawal amount is equal to or greater than a predetermined amount, the tablet terminal 100 captures the facial image of the customer who performed the transaction using the camera 106, registers it in the DB 55, and executes processing related to cash transactions. At the time of handing over the cash after the payment, the face image registered in the DB 55 is used to perform authentication based on the customer's face image. As a result, it is possible to authenticate whether or not the customer who made the transaction and the customer who received the cash are the same customer, so that safety can be maintained even if the customer himself/herself executes a large amount of cash transaction.

In addition, in the transaction cooperation system according to the first embodiment, when the tablet terminal 100 receives the passbook print information from the host server 70, it registers the passbook print information in the DB 55 in association with the customer number. Upon receiving the customer number, the ATM 50A reads the passbook printing information corresponding to the customer number from the DB 55, and performs passbook entry for the passbook inserted by the customer. As a result, even when a customer uses the tablet terminal 100 without a printing function to make a transaction, the customer number can be used to perform passbook entry using the ATM 50A.

By the way, in the transaction cooperation system according to the first embodiment, the tablet terminal 100 registers face image information for authentication in the DB 55, and reads out the face image for authentication to perform authentication when cash is handed over. I've been there, but it's not limited to this. For example, an authentication device having a camera different from the tablet terminal 100 may be installed at the receiving place to authenticate the customer's face image. The authentication device compares the face image information captured by the camera with the face image information for authentication read out from the DB 55, authenticates whether or not the face images match, and outputs the authentication result.

Before explaining the processing of the transaction cooperation system according to the second embodiment, a procedure for withdrawal using a seal and a passbook by a conventional financial institution counter support system will be explained. FIG. 6 is a diagram for explaining a conventional procedure for withdrawal using a seal and passbook.

The customer hands over the passbook 7a, the seal 7b, and the slip 7c describing the details of the transaction (withdrawal) to the bank clerk. The bank employee operates the branch terminal 10A to perform seal verification. When the seal collation is successful, the bank clerk operates the branch terminal 10A, inputs the information of the passbook 7a (passbook information) and the contents of the slip 7c, and sends the passbook information and transaction details to the host server 20. Notice. The host server 20 updates the customer's ledger information based on the passbook information and transaction details information, and registers the withdrawal amount information based on the transaction details in the DB 15 . The ATM 10B reads the information of the withdrawal amount from the DB 15 and withdraws cash according to the withdrawal amount, and the customer takes out the cash from the ATM 10B. Also, the bank clerk inserts the passbook 7a into the branch terminal 10A to enter the passbook.

As described with reference to FIG. 6, in the conventional financial institution counter support system, when a customer uses a passbook 7a, a seal 7b, and a slip 7c to withdraw money, a bank employee inputs the details of the transaction, checks the seal, Transactions with the server 20 and entry of passbooks are performed, and the work of the bank staff is increasing.

Next, an example of a transaction cooperation system according to the second embodiment will be explained. FIG. 7 is a diagram for explaining an example of a transaction cooperation system according to the second embodiment. As shown in FIG. 7, this transaction cooperation system has a station 50, a DB 55, a branch server 60, a host server 80, a seal DB 85, and a tablet terminal 200. Tablet terminal 200 is an example of an information processing device.

The station 50 has a branch terminal 50B operated by a bank employee and an ATM 50A. Station 50 is connected to DB 55 and branch server 60 . The branch server 60 is connected to the host server 80 . The host server 80 is connected to the stamp DB 85 .

The tablet terminal 200 is connected to a passbook reader 205 that reads passbook information from a passbook and a scanner 206 that scans the surface of a seal. The tablet terminal 200 accesses the branch server 60 by wireless communication, and performs data communication with the host server 80 via the branch server 60 . Note that the tablet terminal 200 may directly access the host server 80 through wireless communication.

The tablet terminal 200 accesses the DB 55 by wireless communication, and registers information on the amount of money to be withdrawn and passbook print information transmitted from the host server 80 in the DB 55 . The tablet terminal 200 has a camera 207 . The tablet terminal 200 may directly access the host server 80 .

Here, the customer executes transactions using the passbook and seal by operating the tablet terminal 200 . The tablet terminal 200 may be located anywhere within a range where wireless communication with the DB 55 and the branch server 60 (host server 80) can be performed.

The tablet terminal 200 uses the passbook reader 205 to acquire the passbook information of the passbook. The tablet terminal 200 accepts transaction details (withdrawal) by customer's operation. The tablet terminal 200 uses the scanner 206 to read the image information of the seal surface of the seal (hereinafter referred to as seal image information). The tablet terminal 200 transmits the account number information included in the passbook information to the host server 80 . The host server 80 searches the seal DB 85 for authentication seal image information corresponding to the account number, and transmits the authentication seal image information to the tablet terminal 200 .

The tablet terminal 200 compares the seal image information read by the scanner 206 and the authentication seal image information, and determines whether or not they match. The tablet terminal 200 executes subsequent processing only when the seal image information matches the authentication seal image information. The tablet terminal 200 displays the seal image information and the authentication seal image information on the touch panel, and the bank clerk refers to the touch panel to see whether or not the seal image information and the authentication seal image information match. You can judge whether

When determining that the seal image information and the authentication seal image information match, the tablet terminal 200 transmits the transaction content information and the passbook information to the host server 80 via the branch server 60 . The host server 80 updates the amount of money associated with the passbook information according to the transaction content information. The host server 80 transmits to the tablet terminal 200 the passbook print information associated with the content of the transaction (withdrawal) and the information of the amount of money withdrawn. The tablet terminal 200 generates a customer number, associates it with the customer number, and registers the information on the withdrawal amount and the passbook print information in the DB 55 . The tablet terminal 200 displays the customer number on the touch panel and notifies the customer of the customer number.

The customer operates the ATM 50A and inputs the customer number. When receiving the input of the customer number, the ATM 50A accesses the DB 55 and dispenses cash according to the information on the amount of money to be withdrawn corresponding to the customer number. Also, when the customer inserts the passbook into the ATM 50A, the ATM 50A accesses the DB 55, acquires the passbook printing information corresponding to the customer number, and prints it on the passbook.

As described above, in the transaction cooperation system according to the second embodiment, the tablet terminal 200 uses the passbook reader 205 to read passbook information from the passbook, and uses the scanner 206 to acquire seal image information. The tablet terminal 200 acquires transaction content information through customer operations. The tablet terminal 200 receives the authentication seal image information corresponding to the account number of the normal information from the host server 80, and when the seal image information and the authentication seal image information match, the passbook information and transaction details are displayed. The host server 80 is notified of the information, the transaction is executed, and the information of the withdrawal amount and the passbook printing information are registered in the DB 55. - 特許庁The customer uses the ATM 50A to withdraw cash and make a passbook entry. In the procedures using such a seal and passbook, the bank staff does not need to enter transaction details, verify the seal stamp, make transactions with the host server 80, or enter the passbook, thereby reducing the burden on the bank staff. can.

Next, an example of the configuration of the tablet terminal 200 according to the second embodiment will be described. FIG. 8 is a functional block diagram showing the configuration of the tablet terminal according to the second embodiment. As shown in FIG. 8 , this tablet terminal 200 has a camera 207 , an interface 210 , a wireless communication section 220 , a touch panel 230 , a storage section 240 and a control section 250 .

A camera 207 is an imaging device using a CCD, CMOS, or the like.

Interface 210 is a device that connects to passbook reader 205 and scanner 206 . The passbook reader 205 is a device that reads passbook information from the magnetic stripe of the passbook, as described with reference to FIG. The interface 210 acquires passbook information from the passbook reader 205 and outputs the acquired passbook information to the control unit 250 .

The scanner 206 is a device that reads the image information (seal stamp image information) of the seal surface of the seal, as described with reference to FIG. The interface 210 acquires the seal image information from the scanner 206 and outputs the acquired seal image information to the control unit 250 .

The wireless communication unit 220 performs wireless communication with the branch server 60 via a wireless LAN or the like. The tablet terminal 200 transmits data to the host server 80 and receives data from the host server 80 via the branch server 60 . Also, the wireless communication unit 220 accesses the DB 55 via a wireless LAN or the like to register and read data. The wireless communication unit 220 may directly perform wireless communication with the host server 80 . Wireless communication unit 220 corresponds to a wireless communication device.

Touch panel 230 is a displayable and inputtable device. As described with reference to FIG. 7, the customer operates the touch panel 230 to input transaction details (withdrawal). Touch panel 230 outputs the received information to control unit 250 .

Storage unit 240 has customer information table 241 . The storage unit 240 corresponds to semiconductor memory elements such as RAM and flash memory, and storage devices such as HDD.

The customer information table 241 is a table that holds information on customers who conduct transactions. The customer information table 241 has customer numbers, passbook information, and transaction content information. The data structure of the customer information table 241 is the same as the data structure of the customer information table 141 described with reference to FIG.

The control unit 250 has a reception unit 251 , a seal authentication unit 252 and a cooperation processing unit 253 . The control unit 250 can be implemented by a CPU, MPU, or the like. Also, the control unit 250 can be realized by hardwired logic such as ASIC and FPGA.

Accepting unit 251 accepts passbook information from passbook reader 205 via interface 210 . The accepting unit 251 accepts transaction details information from the touch panel 230 operated by the customer. The reception unit 251 also outputs the account number of the passbook information to the seal authentication unit 252 to request seal authentication.

Upon receiving information from the seal authentication unit 252 indicating that the seal authentication has succeeded, the reception unit 251 generates a customer number. The reception unit 251 registers the customer number, the passbook information, and the transaction content information in the customer information table 241 .

The seal authentication unit 252 is a processing unit that, upon receiving an account number from the reception unit 251, executes seal authentication processing described below. The seal authentication unit 252 outputs information on whether or not the seal authentication has succeeded to the reception unit 251 and the cooperation processing unit 253 . The seal authentication unit 252 may cause the touch panel 230 to display the result of the seal authentication.

The seal authentication unit 252 receives the authentication seal image information from the host server 80 by notifying the host server 80 of the account number information. The seal authentication unit 252 uses the scanner 206 to acquire the seal image information of the stamp surface of the seal brought by the customer.

The seal authentication unit 252 determines that the authentication is successful when the seal image information matches the authentication seal image information. On the other hand, the seal authentication unit 252 determines that authentication has failed when the seal image information does not match the authentication seal image information.

For example, the seal authentication unit 252 generates an authentication binarized image obtained by binarizing the authentication seal image and a target binarized image obtained by binarizing the seal image information. The seal authentication unit 252 determines that the seal image information matches the authentication seal image information when the difference between the authentication binarized image and the target binarized image is less than a threshold.

By the way, the seal authentication unit 252 displays the seal image information and the authentication seal image information on the touch panel 230, and asks the bank staff whether or not the seal image information and the authentication seal image information match. may be judged. The bank clerk operates the touch panel 230 to notify the seal authentication unit 252 of information as to whether or not the seal image information matches the authentication seal image information.

When the cooperation processing unit 253 receives information from the seal authentication unit 252 indicating that the seal authentication has succeeded, the cooperation processing unit 253 cooperates with the host server 80 and the station 50 that execute cash transactions.

The cooperation processing unit 253 transmits the transaction details information and passbook information registered in the customer information table 241 to the host server 80 via the branch server 60 . Here, the host server 80 updates the amount of money (ledger information) associated with the passbook information according to the information on the transaction details. The host server 80 transmits to the tablet terminal 200 (cooperation processing unit 253) the "passbook print information" accompanying the transaction content (withdrawal) and the "withdrawal amount information".

The cooperation processing unit 253 registers the information on the withdrawal amount and the passbook printing information received from the host server 80 in the DB 55 in association with the customer number.

Next, an example of the configuration of the host server 80 shown in FIG. 7 will be described. FIG. 9 is a functional block diagram showing the configuration of the host server according to the second embodiment. As shown in FIG. 9 , the host server 80 has a communication section 81 , a storage section 82 and a control section 83 .

The communication unit 81 is a processing unit that executes data communication with the branch server 60, the tablet terminal 200, and the station 50 by wire or wirelessly. The communication unit 81 is an example of a communication device.

The storage unit 82 has a ledger DB 82 a and a seal DB 85 . The storage unit 82 corresponds to a semiconductor memory device such as a RAM or flash memory, or a storage device such as an HDD.

The ledger DB 82a and the ledger DB 72a are databases that hold various types of information related to ledgers, such as customer savings balances and transaction histories, in association with account numbers.

The seal DB 85 is a database that holds information that associates account numbers with authentication seal image information.

The control unit 83 has a receiving unit 83a, a seal information processing unit 83b, a transaction executing unit 83c, and a transmitting unit 83d. The control unit 83 can be implemented by a CPU, MPU, or the like. The control unit 83 can also be realized by hardwired logic such as ASIC and FPGA.

When receiving the account number information from the tablet terminal 200, the receiving section 83a outputs the account number information to the seal information processing section 83b. When receiving the transaction content information and the passbook information, the reception unit 83a outputs the received transaction content information and passbook information to the transaction execution unit 83c.

When the information on the account number is acquired from the receiving section 83a, the seal information processing section 83b searches the seal DB 85 for authentication seal information corresponding to the account number. The seal information processing unit 83b outputs the searched authentication seal information to the transmission unit 83d.

The transaction execution unit 83c is a processing unit that executes various transactions based on transaction content information and passbook information. For example, the transaction execution unit 83c accesses the ledger DB 82a, updates the balance by subtracting the withdrawal amount from the balance corresponding to the customer's account number, and updates the transaction details and information on the date and time of the transaction. , register in the ledger information corresponding to the account number.

The transaction execution unit 83c generates passbook print information associated with the content of the transaction (withdrawal) and information on the amount of money withdrawn, and outputs the generated information to the transmission unit 83d. The passbook print information includes information such as the updated balance, transaction details, date and time of the transaction, and the like. The information on the amount of money withdrawn includes the information on the amount of money withdrawn included in the information on the content of the transaction.

When receiving authentication seal information from the seal information processing unit 83 b , the transmission unit 83 d uses the communication unit 81 to transmit the authentication seal information to the tablet terminal 200 . The transmitting unit 83d transmits the passbook printing information and the information of the withdrawal amount to the tablet terminal 200 when the passbook printing information and the information of the withdrawal amount are received from the transaction executing unit 83c.

By the way, it is assumed that the DB 55 is connected to a response processing device (not shown) that responds to access from the tablet terminal 200 and access from the station 50 . The explanation of the response processing device is the same as the explanation of the first embodiment.

Next, an example of the processing procedure of the tablet terminal 200 according to the second embodiment will be described. FIG. 10 is a flow chart showing the processing procedure of the tablet terminal according to the second embodiment. As shown in FIG. 10, the reception unit 251 of the tablet terminal 200 acquires passbook information from the passbook using the passbook reader 205 (step S201). The reception unit 251 receives input of transaction details (step S202).

The seal authentication unit 252 executes seal authentication processing (step S203). If the authentication is successful (step S204, Yes), the seal authentication unit 252 proceeds to step S205. The reception unit 251 generates a customer number, and registers the customer number, passbook information, and transaction content information in the customer information table 241 (step S205).

The cooperation processing unit 253 transmits the transaction content information and the passbook information to the host server 80 (step S206). The cooperation processing unit 253 receives the information on the amount of money to be withdrawn and the passbook printing information from the host server 80 (step S207). The cooperative processing unit 253 registers the information on the withdrawal amount and the passbook printing information in the DB 55 in association with the customer number (step S208).

On the other hand, if the authentication is not successful (step S204, No), the seal authentication unit 252 displays information indicating that the seal authentication has failed on the touch panel 230 (step S209).

Next, the effect of the transaction cooperation system according to the second embodiment will be explained. As described above, in the transaction cooperation system according to the second embodiment, the tablet terminal 200 uses the passbook reader 205 to read passbook information from the passbook, and uses the scanner 206 to acquire seal image information. The tablet terminal 200 acquires transaction content information through customer operations. The tablet terminal 200 receives the authentication seal image information corresponding to the account number of the normal information from the host server 80, and when the seal image information and the authentication seal image information match, the passbook information and transaction details are displayed. The host server 80 is notified of the information, the transaction is executed, and the information of the withdrawal amount and the passbook printing information are registered in the DB 55. - 特許庁The customer uses the ATM 50A to withdraw cash and make a passbook entry. In the procedure using the seal and passbook, the bank staff does not have to enter transaction details, verify the seal stamp, make transactions with the host server 80, or enter the passbook, thereby reducing the burden on the bank staff. can.

By the way, the seal authentication unit 252 of the tablet terminal 200 shown in the second embodiment reads the stamp face of the seal with the scanner 206, executes seal stamp verification processing, and receives information on the details of the transaction from the touch panel 230. It is not limited to this. The tablet terminal 200 may use the scanner 206 to read the slip with the stamp stamped. The reception unit 251 may perform character recognition on the image information of the slip written on the scanner, and acquire information on the content of the transaction such as the withdrawal amount. Further, the seal authentication unit 252 may acquire the information of the seal imprint included in the image information of the slip as the seal image information, and perform the seal authentication. As a result, transactions can be conducted using slips stamped with a seal in advance without the intervention of a bank employee.

Moreover, the tablet terminal 200 of the second embodiment may further have the function of the face authentication processing unit 154 of the tablet terminal 100 of the first embodiment. For example, the tablet terminal 200 may refer to the transaction content information and activate the face authentication processing unit 154 to perform face authentication processing when the withdrawal amount is equal to or greater than a predetermined amount.

Next, an example of the hardware configuration of a computer that implements the same functions as the tablet terminal 100 (200) shown in this embodiment will be described. FIG. 11 is a diagram illustrating an example of a hardware configuration of a computer that implements functions similar to those of the tablet terminal according to this embodiment.

As shown in FIG. 11, a computer 300 exchanges data among a CPU 301 that executes various arithmetic processes, a touch panel 302 that receives data input from a user, a card reader 105, a passbook reader 205, and a scanner 206. and an interface device 305 for performing. The computer 300 has a RAM 306 that temporarily stores various information and a hard disk device 307 . Each device 301 - 307 is then connected to a bus 308 .

The hard disk device 307 has a reception program 307a, a determination program 307b, a cooperation processing program 307c, a face authentication processing program 307d, and a seal authentication program 307e. The CPU 301 reads out the reception program 307a, the determination program 307b, the cooperation processing program 307c, the face authentication processing program 307d, and the seal authentication program 307e, and develops them in the RAM 306. FIG.

The reception program 307a functions as a reception process 306a. The determination program 307b functions as a determination process 306b. The cooperation processing program 307c functions as a cooperation processing process 306c. The face authentication processing program 307d functions as a face authentication processing process 306d. The seal authentication program 307e functions as a seal authentication process 306e.

The processing of the reception process 306 a corresponds to the processing of the reception units 151 and 251 . The processing of the determination process 306 b corresponds to the processing of the determination unit 152 . The processing of the cooperative processing process 306 c corresponds to the processing of the cooperative processing units 153 and 253 . A face authentication processing process 306 d corresponds to the processing of the face authentication processing unit 154 . The processing of the seal authentication process 306 e corresponds to the processing of the seal authentication unit 252 .

Note that the programs 307a to 307e do not necessarily have to be stored in the hard disk device 307 from the beginning. For example, each program is stored in a “portable physical medium” such as a flexible disk (FD), CD-ROM, DVD disk, magneto-optical disk, IC card, etc. inserted into the computer 300 . Then, the computer 300 may read and execute each of the programs 307a-307e.

The following additional remarks are further disclosed regarding the embodiments including the above examples.

(Appendix 1) Receiving the transaction type,
If the type of acquisition received is cash transaction, determine whether the amount in the transaction is equal to or greater than a predetermined amount,
if the amount is equal to or greater than the predetermined amount, linking the transaction with the device that executes the cash transaction after executing the face authentication process;
When the amount is less than the predetermined amount, suppressing activation of the face authentication process and cooperating with the device that executes the cash transaction;
A transaction cooperation program characterized by causing a computer to execute processing.

(Appendix 2) When the passbook is inserted into the passbook reader, the passbook reader identifies the account number associated with the passbook, and further executes processing for linking transactions based on the account number. A transaction linkage program according to appendix 1, characterized by:

(Appendix 3) When the cash card is inserted into the card reader, the card reader identifies the account number associated with the cash card, and further executes processing for linking the transaction based on the account number. A transaction cooperation program according to appendix 1 or 2, characterized by:

(Appendix 4) In the face authentication process, a first facial image of the customer is captured using a camera of a mobile terminal operated by the customer, and information of the captured first facial image is registered in a predetermined storage device. Then, when the authentication request is accepted, it is determined whether or not the second face image photographed using the camera of the mobile terminal operated by the customer matches the first face image registered in the predetermined storage device. The transaction cooperation program according to Supplementary Note 1, characterized by being processing.

(Appendix 5) The transaction cooperation program according to any one of appendices 2 to 4, characterized in that, when the transaction type is received, a process of generating a customer number identifying the customer is further executed.

(Supplementary Note 6) The cooperative processing updates the passbook entry information associated with the account number managed by the server by transmitting the information on the account number and the information on the cash transaction to the server. When receiving the update result information from, the update result information and the customer number are registered in a predetermined storage device accessible by a device having a printing function. Trade linkage program as described.

(Appendix 7) A transaction linkage method executed by a computer,
Accept transaction type,
If the type of acquisition received is cash transaction, determine whether the amount in the transaction is equal to or greater than a predetermined amount,
if the amount is equal to or greater than the predetermined amount, linking the transaction to the device that executes the cash transaction after performing face authentication processing;
If the amount is less than the predetermined amount, suppressing activation of the face authentication process and linking the transaction to the device that executes the cash transaction;
A transaction cooperation method characterized by executing processing.

(Appendix 8) When the passbook is inserted into the passbook reader, the passbook reader identifies the account number associated with the passbook, and further executes processing for linking transactions based on the account number. 8. The method of collaborating transactions according to appendix 7, characterized by:

(Appendix 9) When the cash card is inserted into the card reader, the card reader identifies the account number associated with the cash card, and further executes processing for linking the transaction based on the account number. 9. A transaction linkage method according to appendix 7 or 8, characterized in that:

(Appendix 10) The face authentication process uses a camera of a mobile terminal operated by the customer to capture a first facial image of the customer, and registers information of the captured first facial image in a predetermined storage device. Then, when the authentication request is accepted, it is determined whether or not the second face image photographed using the camera of the mobile terminal operated by the customer matches the first face image registered in the predetermined storage device. The transaction cooperation method according to appendix 7, characterized in that it is a process.

(Supplementary note 11) The transaction cooperation method according to any one of Supplementary notes 8 to 10, characterized in that when the transaction type is accepted, a process of generating a customer number identifying the customer is further executed.

(Supplementary Note 12) The cooperating process updates the passbook entry information associated with the account number managed by the server by transmitting information on the account number and information on the cash transaction to the server. 10, wherein when the information on the update result is received from the client, the information on the update result and the customer number are registered in a predetermined storage device accessible by a device having a printing function. Transaction linkage method described.

(Appendix 13) a reception unit that receives a transaction type;
a determination unit that determines whether or not the amount of money in the transaction is equal to or greater than a predetermined amount when the received type of acquisition is cash transaction;
If the amount is equal to or greater than the predetermined amount, the transaction is linked to the device that executes the cash transaction after performing face authentication processing, and if the amount is less than the predetermined amount, the face authentication processing is activated. and a cooperation processing unit that inhibits the above-mentioned cash transaction and cooperates the transaction with the device that executes the cash transaction.

(Supplementary Note 14) When the passbook is inserted into the passbook reader, the reception unit identifies the account number associated with the passbook by the passbook reader, and the cooperation processing unit, based on the account number, 14. The information processing device according to appendix 13, further executing a process of linking transactions.

(Supplementary Note 15) When the cash card is inserted into the card reader, the reception unit identifies the account number associated with the cash card by the card reader, and the cooperation processing unit, based on the account number, 15. The information processing device according to appendix 13 or 14, further executing a process of linking transactions.

(Appendix 16) Using the camera of the mobile terminal operated by the customer, the first facial image of the customer is photographed, the information of the photographed first facial image is registered in a predetermined storage device, and an authentication request is accepted. In this case, face authentication processing is performed to determine whether or not the second face image captured by the camera of the portable terminal operated by the customer matches the first face image registered in the predetermined storage device. 14. The information processing apparatus according to appendix 13, further comprising a face authentication processing unit.

(Supplementary Note 17) The information processing apparatus according to any one of Supplementary Notes 14 to 16, characterized in that, when the transaction type is accepted, the reception unit generates a customer number that identifies the customer.

(Additional remark 18) The cooperation processing unit updates the passbook entry information associated with the account number managed by the server by transmitting the information on the account number and the information on the cash transaction to the server. 13, wherein, when receiving the update result information from, the update result information and the customer number are registered in a predetermined storage device accessible by a device having a printing function. The information processing device described.

50 stations 50A ATM
50B branch terminal 60 branch server 70 host server 71 communication unit 72, 140 storage unit 72a ledger DB
73 control unit 73a reception unit 73b transaction execution unit 73c transmission unit 100, 200 tablet terminal 105 card reader 106 camera 110 interface 120 wireless communication unit 130 touch panel 141 customer information table 150 control unit 151 reception unit 152 determination unit 153 cooperation processing unit 154 face Authentication processing part

Claims (7)

Accept transaction type,
If the type of acquisition received is cash transaction, determine whether the amount in the transaction is equal to or greater than a predetermined amount,
If the amount is equal to or greater than the predetermined amount, the facial image associated with the customer number, which is generated each time the transaction type is accepted and is used to identify the customer, is used to identify the customer. After performing the authentication process, linking the transaction with the device that performs the cash transaction,
When the amount is less than the predetermined amount, suppressing activation of the face authentication process and cooperating with the device that executes the cash transaction,
A transaction cooperation program characterized by causing a computer to execute processing. A claim characterized in that when a passbook is inserted into a passbook reader, the passbook reader identifies an account number associated with the passbook, and further executes processing for linking transactions based on the account number. Item 1. Transaction cooperation program according to item 1. A claim characterized in that when a cash card is inserted into a card reader, the card reader identifies an account number associated with the cash card, and further executes processing for linking transactions based on the account number. 3. The transaction cooperation program according to item 1 or 2. In the face authentication processing, a first face image of the customer is photographed using a camera of a mobile terminal operated by the customer, information of the photographed first face image is associated with the customer number, and stored in a predetermined memory. When the device is registered and an authentication request is received, whether or not the second facial image captured using the camera of the mobile terminal operated by the customer matches the first facial image registered in the predetermined storage device 2. The transaction cooperation program according to claim 1, characterized in that it is a process of judging. The cooperative processing updates the passbook entry information associated with the account number managed by the server by transmitting the information of the account number and the information about the cash transaction to the server, and the update result is sent from the server. 5. The transaction according to claim 4 , wherein the information on the update result and the customer number are registered in a predetermined storage device that can be accessed by a device having a printing function when the information on the customer is received. Collaborative program. A transaction linkage method executed by a computer,
Accept transaction type,
If the type of acquisition received is cash transaction, determine whether the amount in the transaction is equal to or greater than a predetermined amount,
If the amount is equal to or greater than the predetermined amount, the facial image associated with the customer number, which is generated each time the transaction type is accepted and is used to identify the customer, is used to identify the customer. linking the transaction to the device that executes the cash transaction after performing the authentication process;
When the amount is less than the predetermined amount, suppressing activation of the face authentication process and linking the transaction to the device that executes the cash transaction;
A transaction cooperation method characterized by executing processing. a reception unit that receives a transaction type;
a determination unit that determines whether or not the amount of money in the transaction is equal to or greater than a predetermined amount when the received type of acquisition is cash transaction;
If the amount is equal to or greater than the predetermined amount, the facial image associated with the customer number, which is generated each time the transaction type is accepted and is used to identify the customer, is used to identify the customer. After executing the authentication process, the transaction is linked to the apparatus for executing the cash transaction, and if the amount is less than the predetermined amount, the activation of the face authentication process is suppressed and the transaction is made to the apparatus for executing the cash transaction. and a linking processing unit that links the information processing apparatus.

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