JP7395914B2 - Automatic teller machine, processing method, program - Google Patents

Description

The present invention relates to an automatic teller machine, a vending system, a terminal device, a processing method, and a program.

A remote third party, such as a child or an elderly person with a low income, may need to purchase a product, and money may need to be given to the third party. In such cases, the person giving the money has until now either hand-delivered the money to the recipient in advance, or transferred the money to the recipient's account, and the recipient has used an automated teller machine to transfer the money. In many cases, processing is performed to bring out the Related technology is disclosed in Patent Document 1. Patent Document 1 discloses a technique for conducting cash transactions using an issued card.

Japanese Patent Application Publication No. 2009-176127

There is a need for technology that allows a third party, such as a child, who is located far away and suddenly needs to purchase a product, to easily purchase the product using an automated teller machine.

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

According to the first aspect of the present invention, the automatic teller machine stores the biometric information of the second user recorded in association with the first user who opened the first account, and the second user who instructed the purchase process. an authentication unit that determines whether authentication is successful based on a state of matching with biometric information read from the user; and an output that outputs a purchase permission medium that permits purchase of the target product of the purchase process when the authentication is successful. It is characterized by comprising: and.

According to the second aspect of the present invention, in the sales system, the automatic teller machine receives biometric information of the second user recorded in association with the first user who has opened the first account, and instructs purchase processing. an authentication unit that determines whether authentication is successful based on a matching state with biometric information read from the second user; and a purchase permission medium that allows purchase of the target product of the purchase process if the authentication is successful. The sales terminal is characterized by comprising an output unit that outputs the information, and a determination unit that determines whether or not the target product can be sold based on product attribute information included in the purchase permission medium.

According to the third aspect of the present invention, the terminal device stores biometric information of the second user recorded in association with the first user who opened the first account, and the biometric information from the second user who instructed the purchase process. an authentication unit that determines whether authentication is successful based on a match state with the read biometric information; and an output unit that outputs a purchase permission medium that permits purchase of the target product of the purchase process when the authentication is successful. It is characterized by comprising the following.

According to the fourth aspect of the present invention, the processing method includes biometric information of a second user recorded in association with the first user who opened the first account, and biometric information from the second user who instructed the purchase process. It is characterized in that it is determined whether the authentication is successful based on the matching state with the read biometric information, and if the authentication is successful, a purchase permission medium is output that permits the purchase of the target product of the purchase process.

According to the fifth aspect of the present invention, the program causes the computer of the automatic teller machine to collect the biometric information of the second user recorded in association with the first user who opened the first account and the purchase process. an authentication means that determines whether authentication is successful based on a matching state with biometric information read from the instructed second user; and a purchase permission medium that permits purchase of the target product of the purchase process if the authentication is successful. It is characterized by functioning as an output means for outputting.

According to the present invention, it is possible to provide an automatic teller machine that allows a third party, such as a child who is located far away, who suddenly needs to purchase a product, to easily purchase the product using the automatic teller machine. I can do it.

1 is a diagram showing the configuration of an ATM system according to an embodiment of the present invention. 1 is a diagram illustrating a portion of an ATM interface according to an embodiment of the present invention; FIG. FIG. 1 is a hardware configuration diagram of an ATM control device according to an embodiment of the present invention. 1 is a functional block diagram of an ATM control device and a sales terminal according to an embodiment of the present invention. FIG. FIG. 3 is a diagram showing a user management table stored in a server device according to an embodiment of the present invention. It is a diagram showing a processing flow of an ATM according to the first embodiment of the present invention. FIG. 3 is a diagram showing a processing flow of the sales terminal according to the first embodiment of the present invention. It is a figure showing the processing flow of ATM by a second embodiment of the present invention. It is a figure which shows the processing flow of ATM by 3rd embodiment of this invention. It is a figure showing the processing flow of a sales terminal by a third embodiment of the present invention. 1 is a diagram showing the minimum configuration of an ATM according to the minimum configuration of the present invention. It is a figure showing the processing flow of ATM with the minimum configuration of the present invention.

An ATM system according to an embodiment of the present invention will be described below with reference to the drawings.
FIG. 1 is a diagram showing the configuration of an ATM system.
The ATM system 100 according to this embodiment is configured by connecting an ATM 1 (automated teller machine), a server device 2, and a sales terminal 4 via a communication network. The ATM 1 is installed, for example, in a store such as a convenience store or in a public facility such as a station. ATM1 mainly allows users to perform money transfer processing such as withdrawing cash from their own account, depositing money into their own account, or transferring money from their own account to another account opened by another user. It is a device that accepts. A large number of ATMs 1 may be communicatively connected to the server device 2 . The server device 2 may also be communicatively connected to a mobile terminal 3 such as a parent of a user (child) who uses the ATM 1. The sales terminal 4 is, for example, a POS (Point of Sale System) terminal, and is similarly installed in a store where the ATM 1 is installed. The sales terminal 4 performs payment processing and the like that the user uses when purchasing products. The sales terminal 4 may be able to communicate with the server device 2. In addition, in FIG. 1, only one ATM 1 and sales terminal 4 are illustrated for convenience of explanation. The ATM 1 includes a camera 51 that photographs the user's face and images of the user's surroundings.

FIG. 2 is a diagram showing a part of the ATM interface.
As shown in FIG. 2, the ATM 1 includes a main display 11, a near field communication (NFC) antenna 12, a code reader 14, a money outlet 16, a card slot 17, a paper medium outlet 18, and the like. Although not shown in FIG. 2, the automatic teller machine 1 is equipped with other hardware components such as a sub-display provided above the main display 11, a speaker, and a numeric keypad. For convenience, detailed description thereof will be omitted.

The main display 11 displays an operation guide screen and the like. The main display 11 has a touch panel function, detects the position where the user touches the screen, and executes button processing according to the detected position.
The NFC antenna 12 is built into a horizontal pedestal section 91 provided below the main display 11.
The code reader 14 reads the paper medium placed on the pedestal surface of the horizontal pedestal section 91 and the code information displayed on the user's mobile terminal. The code information may be a barcode, a two-dimensional code, or the like.
In this embodiment, the money ejection port 16 is an ejection port through which banknotes are ejected.
The card slot 17 draws in a credit card, bank cash card, or other IC card, and discharges the card after processing based on the information recorded on the card is completed.
The paper medium ejection port 18 ejects receipts and product purchase tickets on which processing results such as amount transfer processing are printed.

FIG. 3 is a hardware configuration diagram of an ATM control device.
As shown in this figure, the control device 10 built into the ATM 1 includes a CPU (Central Processing Unit) 10-1, a ROM (Read Only Memory) 10-2, a RAM (Random Access Memory) 10-3, an SSD (Solid State This is a computer equipped with various hardware such as a drive) 10-4 and a communication module 10-5. The control device 10 controls each of the hardware described above.

FIG. 4 is a functional block diagram of an ATM control device and a sales terminal.
The control device 10 starts when the ATM 1 is powered on and executes a control program stored in advance. As a result, the control device 40 exhibits the functions of a control section 41, a UI section 42, a photographing section 43, an authentication section 44, a medium output section 45, an amount transfer section 46, and an image transmission section 47.

The control unit 41 controls the ATM 1 as well as other functional units as part of the processing.
The UI unit 42 controls the output of information to an output device such as the main display 11 of the ATM and the input of information from an input device such as the code reader 14 as part of the processing.
As part of the processing, the photographing unit 43 photographs an image including the face of the user using the ATM 1 and its background.
The authentication unit 44 performs biometric authentication of the user who uses the ATM 1 as part of the processing. In this embodiment, the authentication unit 44 performs authentication processing using a user's facial image.

The media output unit 45 outputs paper media such as receipts containing information such as usage history and balance to the user who used the ATM 1, and purchase tickets for products.
The amount transfer unit 46 performs amount transfer processing such as withdrawal processing, deposit processing, and transfer processing as part of the processing. Specifically, as an example, if the user using ATM1 is a child, biometric information of the child (second user) that is recorded in advance in association with the child's parent (first user) and ATM1 are used. Concerning the amount information recorded as the deposit limit of the child who is the user linked to the parent's account if authentication based on the matching state with the facial image (biometric information) read from the user who instructed the amount transfer process is successful. Perform amount transfer processing.

As part of the process, the image transmitting unit 47 transmits a photographed image of the user (child) taken when inputting an instruction for a product purchase process or an amount transfer process to another user (parent) associated with the user. Send to destination. An example of the destination is the mobile terminal 3 owned by the other user (parent).

Further, as shown in FIG. 4, the sales terminal 4 performs the functions of a control section 401, a POS processing section 402, and a determination section 403.
Control unit 401 controls sales terminal 4 .
The POS processing unit 402 causes the sales terminal 4 to function as a POS terminal.
The determining unit 403 determines whether the user can purchase the product.

Equipped with these functions, the ATM 1 can read the biometric information of the child, the second user, recorded in association with the parent, the first user, who opened the first account, and the child who instructed the purchase process. If the authentication based on the matching state with the biometric information obtained is successful, input of product attribute information of the product targeted for purchase processing is accepted. Then, when the authentication is successful, the ATM 1 outputs a purchase permission medium that permits the purchase of the target product of the purchase process. In the following embodiments, the purchase permission medium is a purchase ticket or money.

When the purchase permission medium is a purchase ticket, the sales terminal 4 determines whether or not the target product can be sold based on the product attribute information recorded in the purchase ticket. As a result, a child or the like who is located far away and suddenly needs to purchase a product can easily purchase the product using the ATM 1.

FIG. 5 is a diagram showing a user management table stored in the server device.
As shown in this figure, the server device 2 includes the first user's account number (hereinafter referred to as the first account number), the second user's account number (hereinafter referred to as the second account number), and the second user's face. At least characteristic information and service provision conditions are associated and stored in a user management table. The service provision conditions include information such as identification information, classification, and upper limit of purchaseable products that the parent has applied for in advance. The service provision conditions may include information such as an emergency service permission flag, an upper limit amount of money transfer, a service usage area, and a service usage time. Details of these service provision conditions will be described later.

The server device 2 also holds account information linked to the first user's account number and account information linked to the second user's account number. The account information includes information such as account holder information, deposit amount, destination address of the mobile terminal 3, address, and telephone number. The information recorded in the user management table is recorded in advance based on information presented by the first user and the second user to the financial institution that manages the ATM1. Hereinafter, an example will be explained in which the first user is a parent and the second user is a child of the first user.

<First embodiment>
FIG. 6 is a diagram showing the processing flow of the ATM according to the first embodiment.
When a child suddenly needs to purchase a product, the child heads to an ATM 1 installed at a nearby convenience store or the like and stands in front of the ATM 1. Under the control of the photographing unit 43 of the ATM 1, the camera 51 photographs images at intervals of several milliseconds (step S101). The photographing unit 43 sequentially acquires photographed images from the camera 51. The photographing unit 43 determines whether a human face is included in the acquired image (step S102). The photographing section 43 outputs the image to the authentication section 44 when a human face is included in the image. The authentication unit 44 temporarily records the image in a storage unit such as a memory. Furthermore, when a human face is included in the image, the photographing unit 43 instructs the UI unit 42 to start processing.

The UI unit 42 outputs the main image to the main display 11 (step S103). The main image displays several icon buttons for the user to instruct operations. Among the icon buttons, there is an icon button that describes the name of a service that allows a user to purchase a product without having to hold cash or a medium for storing electronic money. As an example, the service name will be referred to as "emergency product purchase service." The user touches an icon button corresponding to the emergency product purchase service.

The UI unit 42 detects that the user has touched an icon button corresponding to the emergency product purchase service (step S104). Then, the UI section 42 instructs the authentication section 44 to start authentication. Note that the UI unit 42 may display a password input screen on the main display 11 to request the user to input the password. In this case, the UI unit 42 outputs the input password to the authentication unit 44. As an alternative to this PIN, the unique ID of the NFC medium or the portable medium recording information in which the unique PIN is output in the form of a two-dimensional code in advance (the portable medium recording information is sent to the terminal operated by the user) (information to be displayed, information to be printed on paper, etc.) may be read by the NFC antenna 12 or code reader 14 of the ATM 1, and the UI unit 42 may acquire the information and output it to the authentication unit 44.

The authentication unit 44 reads the image temporarily recorded in the memory. The authentication unit 44 calculates feature information of the user's face appearing in the image. The authentication unit 44 transmits facial feature information to the server device 2 (step S105). When the authentication unit 44 receives the PIN number, unique ID, and portable medium recording information, it transmits the PIN number, unique ID, and portable medium recording information to the server device 2 together with facial feature information.

The server device 2 determines whether the user management table holds feature information that matches the facial feature information received from the ATM 1. When the server device 2 stores the characteristic information in the user management table, the server device 2 stores the first account number of the parent registered in the user management table in association with the characteristic information and the child who is currently using the ATM 1. Read the second account number. The server device 2 transmits an authentication success signal including the first account number and the second account number to the ATM 1. When the server device 2 receives a password, unique ID, or portable medium recording information, the server device 2 either stores the password in advance in association with facial feature information, or uses the unique ID or portable medium recording information. Further determines whether the information is correct, and sends an authentication success signal to AMT1 if the PIN is stored in association with facial feature information or if the unique ID or portable media recording information is correct. You may do so. If the server device 2 does not hold the facial feature information of the user using the ATM 1 in the user management table, the server device 2 transmits an authentication failure signal to the ATM 1.

The control unit 41 of the ATM 1 determines whether an authentication success signal or an authentication failure signal has been received (step S106). The control unit 41 of the ATM 1 stops processing when receiving the authentication failure signal. For example, the control unit 41 of the ATM 1 outputs an authentication failure signal to the authentication unit 44. The authentication unit 44 outputs the authentication failure to the UI unit 42. The UI unit 42 outputs information indicating that the emergency product purchase service is unavailable to the main display 11.

When the control unit 41 of the ATM 1 receives the authentication success signal, it outputs information about the authentication success signal to the authentication unit 44 . The authentication unit 44 detects authentication success based on reception of the authentication success signal. When the authentication section 44 detects successful authentication, it outputs the start of the emergency product purchase service to the UI section 42 . The authentication unit 44 also records the first account number and second account number included in the authentication success signal in a memory or the like. Note that the first account number and the second account number are examples of information regarding the user who receives the emergency product purchase service. In place of this information, the server device 2 sends to the ATM 1, for example, the first account number, if the information can identify the user (child) who is currently using the ATM 1 that receives the emergency product purchase service. Alternatively, only the management ID generated to be held in the server device 2 in association with the second account number and the second account number may be transmitted to the ATM 1, and the ATM 1 may record these information.

The UI unit 42 detects the start of the emergency product purchase service. Then, the UI unit 42 outputs an emergency product purchase service screen to the main display 11 (step S107). The emergency product purchase service screen displays, for example, a product identification information input field, a product selection field, a product purchase amount input field, a service start button, a contact button, and the like.

With the emergency product purchase service screen displayed, the user operates the numeric keypad of the ATM 1, the selection button displayed on the main display 11, etc. to enter product identification information, product purchase amount, select a product, etc. I do. The UI unit 42 displays the input or selected product identification information and product purchase price in a predetermined display field on the main display, and also links this information to the first account number and the second account number. , temporarily stored. Note that product identification information is included in the barcode or two-dimensional code printed on the product, and the UI unit 42 of the ATM 1 controls the code reader 14 to read this two-dimensional code via the code reader 14. You can do it like this. The user carries the purchased product from a predetermined shelf in the store to the ATM 1 installed in the store, and simply reads the two-dimensional code printed on the product into the code reader 14 to make the purchase at the ATM 1. The identification information of the product can be read.

Assume that the user presses the service start button while the emergency product purchase service screen is displayed. The UI unit 42 detects pressing of the service start button (step S108). Then, the UI unit 42 outputs a purchase ticket ejection request including the stored first account number, second account number, product identification information, and product purchase price to the medium output unit 45. Note that this is an example of information for identifying the first account number, the second account number, and the user who uses the ATM 1 included in the purchase ticket discharge request. The media output unit 45 generates a purchase permission request including the first account number, second account number, product identification information, and product purchase price, and transmits it to the server device 2 (step S109).

Server device 2 receives the purchase permission request. The server device 2 reads the first account number and product identification information included in the purchase permission request. The server device 2 determines whether the first account number and the product identification information are recorded in association with each other in the user management table stored in the database in advance. Note that the parent, who is the first user, applies in advance for his child to be able to use the emergency product purchase service. At this time, the parent applies for product identification information indicating products that the child can purchase. As a result, the user management table stores in advance the first account number of the parent, who is the first user, and the product identification information indicating the purchasable products that the parent has applied for, in association with each other. If the first account number and product identification information included in the purchase permission request are recorded in the user management table in association with each other, the server device 2 stores the product identification information and product name input using the ATM 1. It is determined that the user is permitted to purchase the product indicated by . Note that the user management table may store in advance the first account number of the parent, who is the first user, and the product identification information indicating the product that the parent has applied for and cannot purchase. In this case, if the first account number included in the purchase permission request and the product identification information are not recorded in the user management table in association with each other, the server device 2 stores the product identification information input using the ATM 1. It may be determined that the user is permitted to purchase the product indicated by the information or product name.

Note that the server device 2 uses product classification information instead of product identification information, and if the first account number and product classification information included in the purchase permission request are recorded in the user management table, the server device 2 uses product classification information instead of product identification information. It may be determined that the user is permitted to purchase products classified as .

If the server device 2 determines to permit the purchase, the user stores the destination address of the mobile terminal 3 carried by the parent, who is the first user, in association with the first account number of the first user. Read from management table. The server device 2 generates a purchase permission response including the parent's destination address and transmits it to the ATM 1. If the server device 2 determines that the purchase is not permitted, it generates a purchase not allowed response and sends it to the ATM 1.

ATM1 receives the purchase permission response (step S110). Alternatively, ATM1 receives a purchase not possible response. When the control unit 41 of the ATM 1 receives the purchase failure response, it outputs the purchase failure response to the UI unit 42 . When the UI unit 42 obtains a purchase not possible response, the UI unit 42 displays information indicating that the purchase is not possible on the main display 11. This allows the child, who is the second user, to understand that the product is not specified by the parent and cannot be purchased. Accordingly, the control unit 41 performs control to cancel the processing of the emergency product purchase service.

On the other hand, when the control section 41 receives the purchase permission response, it outputs the purchase permission response to the media output section 45 . The media output unit 45 generates a two-dimensional code including a first account number, a second account number, product identification information, and a product purchase amount. The medium output unit 45 discharges the purchase ticket on which the generated two-dimensional code is printed from the paper medium discharge port 18 (step S111). The user receives the ejected purchase ticket. The user moves to the sales terminal 4 with the purchase ticket and the product.

According to the above process, when a user who uses ATM 1 suddenly needs to purchase a product without money, he or she can receive a purchase ticket to easily purchase the product using ATM 1. can.

Note that the medium output unit 45 detects that the ejection of the purchase ticket has been completed. Then, the medium output unit 45 outputs a discharge completion signal including the destination address of the parent's mobile terminal 3 read from the purchase permission response to the image transmission unit 47. Upon acquiring the ejection completion signal, the image transmitter 47 reads the destination address of the parent's mobile terminal 3 from the ejection completion signal. Further, upon acquiring the ejection completion signal, the image transmitting unit 47 acquires the image acquired by the photographing unit 43 from the camera 51. The image transmitter 47 transmits the acquired image to the destination address of the parent's mobile terminal 3 (step S112). The photographing unit 43 controls the camera 51 to continuously photograph the background including the user multiple times from a predetermined photographing start time, such as the timing at which the user using the ATM 1 instructs the start of the emergency product purchase service. The images may be photographed and sequentially acquired. Then, the plurality of images may be output to the image transmitter 47. The image transmitter 47 may transmit the moving image captured by the camera 51 to the parent's mobile terminal 3. This allows parents to check the child who used the emergency product purchase service and the surrounding situation by looking at the image.

FIG. 7 is a diagram showing the processing flow of the sales terminal according to the first embodiment.
The store clerk receives the product and purchase ticket from the user. Under the operation of the store clerk, the sales terminal 4 reads code information printed on the product using a code reader provided in the sales terminal 4. Thereby, the sales terminal 4 reads and temporarily stores the product identification information included in the code information (step S201). Further, the store clerk uses a code reader provided in the sales terminal 4 to read the code information of the two-dimensional code printed on the purchase ticket. Thereby, the sales terminal 4 reads and temporarily stores the first account number, second account number, product identification information, and product purchase amount included in the two-dimensional code (step S202). The clerk then operates the sales terminal 4 and instructs the start of the sales determination based on the purchase ticket.

The determination unit 403 of the sales terminal 4 recognizes that the first account number, second account number, product identification information, and product purchase amount have been read from the two-dimensional code, and therefore has already obtained sales permission at the ATM 1. This is detected (step S203). The determining unit 403 also determines whether the product identification information read from the product and the product identification information read from the purchase ticket match (step S204). The determination unit 403 detects sales permission and determines that the products can be sold if the product identification information matches.

The determining unit 403 outputs sales permission information to the POS processing unit 402. The POS processing unit 402 detects the sales permission and sends a POS processing signal including the product identification information and the product purchase amount, and a payment request signal including the first account number, the second account number, the product identification information, and the product purchase amount. generate. The POS processing unit 402 transmits a POS processing signal to a predetermined POS server and performs POS processing (step S205). The POS process is a process such as subtracting one item from inventory information from product inventory information. The POS processing unit 402 transmits a payment request signal to the server device 2.

The server device 2 receives the payment request signal. The server device 2 performs payment processing using the first account number, second account number, and product purchase amount included in the payment request signal. For example, the server device 2 performs a payment process that subtracts the product purchase amount from the deposit amount in the account information regarding the second account number. As a result, the deposit amount indicated by the account information of the user (second user) using the ATM 1 is updated to the deposit amount after the payment processing.

When performing the emergency product purchase service, the server device 2 may perform a payment process that subtracts the product purchase amount from the deposit amount in the account information regarding the second account number that is the child's account, or may perform a payment process that subtracts the product purchase amount from the deposit amount. In the account information related to the first account number, a payment process may be performed in which the purchase amount of the product is subtracted from the deposit amount. Alternatively, after receiving the payment request signal, the server device 2 moves the amount indicated by the product purchase amount from the account information of the first account number to the account information of the second account number, and then transfers the amount indicated by the product purchase amount to the account information of the second account number. , a payment process may be performed in which the amount indicated by the product purchase amount is subtracted from the deposit amount.

Alternatively, the server device 2 may perform a payment process in which the amount indicated by the product purchase amount is subtracted from the deposit amount of a preset child-dedicated deposit limit in the account information of the first account number. Alternatively, the server device 2 moves the amount indicated by the product purchase amount from the preset deposit amount of the deposit limit for children in the account information of the first account number, and then transfers the amount indicated by the product purchase amount to the account information of the second account number. In the account information of the second account number, a payment process may be performed to subtract the amount indicated by the product purchase amount. Parents make deposits in advance into these child-specific deposit lines. In other words, the account indicated by the first account number, the account indicated by the second account number, or the deposit limit set for the account with the first account number, which can be the payment source for emergency product purchase services, are all child accounts. is the deposit limit of the second user.

When the server device 2 completes the payment process, it transmits a payment completion signal to the sales terminal 4. The POS processing unit 402 of the sales terminal 4 acquires the payment completion signal (step S206). The POS processing unit 402 outputs information indicating the completion of payment to the screen (step S207). Thereby, the store clerk hands over the product to the user.

According to the above process, when a user such as a child suddenly needs to purchase a product without having money, he or she can use ATM 1 to withdraw money even though he or she does not have a bank cash card or coins. The user can easily purchase a product by receiving a purchase ticket for purchasing a product of the product type specified by a person such as a paying parent.

<Second embodiment>
FIG. 8 is a diagram showing an ATM processing flow according to the second embodiment.
When the ATM 1 discharges the purchase ticket, the ATM 1 may simultaneously discharge money corresponding to the product purchase amount required for the user to purchase the product. In this case, in step S111, after the purchase ticket is ejected from the paper medium outlet 18, the control unit 41 reads the first account number, second account number, and product purchase amount from the storage unit, and stores these information. The emergency withdrawal request including the above is output to the amount transfer unit 46. In the second embodiment, only the money may be discharged without issuing the purchase ticket. While the purchase ticket serves as a substitute for money, by outputting money, the user may purchase a product using the money discharged from the ATM 1 without showing the purchase ticket to the clerk. If the purchase ticket is not to be output, upon receiving the purchase permission response in step S110, the amount transfer unit 46 may perform the following process without the medium output unit 45 performing the process for discharging the purchase ticket. The amount transfer unit 46 is a mode of an output unit that outputs a medium (money) that permits the purchase process of the target product.

The amount transfer unit 46 acquires the emergency withdrawal request. The amount moving unit 46 generates an emergency withdrawal control signal including the first account number, second account number, and product purchase amount. The amount transfer unit 46 transmits an emergency withdrawal control signal to the server device 2 (step S301).

The server device 2 receives the emergency withdrawal control signal. The server device 2 reads the first account number, second account number, and product purchase amount included in the emergency withdrawal control signal. The server device 2 reads the service provision conditions recorded in the user management table in association with the first account number and the second account number. The server device 2 determines whether the emergency service permission flag is ON among the information included in the service provision conditions. This determination is one aspect of processing for determining whether to permit withdrawal processing in the amount transfer processing. The emergency service permission flag is set to ON by the financial institution that manages the ATM 1 based on a prior application from the parent, who is the first user. In other words, if a parent wants their child to receive an emergency product purchase service, they apply in advance for that service to the financial institution that manages ATM 1 so that they can immediately withdraw money from a nearby ATM 1. .

If the emergency service permission flag is ON, the server device 2 determines that the emergency product purchase service for the user using the ATM 1 is permitted. When the server device 2 determines to permit the emergency product purchase service, the server device 2 uses the mobile terminal 3 carried by the parent who is the first user recorded in the user management table in association with the first account number and the second account number. Read the destination address. The server device 2 transmits an emergency withdrawal permission signal including the product purchase amount and the destination address of the parent's mobile terminal 3 to the ATM 1. The server device 2 also performs a withdrawal process to subtract the product purchase amount from the deposit amount in the account information regarding the second account number. As a result, the deposited amount indicated by the account information of the user (second user) using the ATM 1 is updated to the deposited amount after the withdrawal process.

When performing the emergency product purchase service, the server device 2 may perform a withdrawal process to subtract the product purchase amount from the deposit amount in the account information regarding the second account number that is the child's account, or may perform a withdrawal process that subtracts the product purchase amount from the deposit amount. In the account information related to the first account number, a withdrawal process may be performed to subtract the product purchase amount from the deposit amount. Alternatively, in order to provide an emergency product purchase service, after receiving the emergency withdrawal control signal, the server device 2 moves the amount indicated by the product purchase amount from the account information of the first account number to the account information of the second account number. After that, a withdrawal process may be performed in which the amount indicated by the product purchase amount is subtracted from the deposited amount in the account information of the second account number. Alternatively, in the account information of the first account number, the server device 2 may perform a withdrawal process to subtract the amount indicated by the product purchase amount from the deposit amount of a preset deposit limit for children. Alternatively, the server device 2 moves the amount indicated by the product purchase amount from the preset deposit amount of the deposit limit for children in the account information of the first account number, and then transfers the amount indicated by the product purchase amount to the account information of the second account number. In the account information of the second account number, a withdrawal process may be performed to subtract the amount indicated by the product purchase amount. Parents make deposits in advance into these child-specific deposit lines. In other words, the account indicated by the first account number, the account indicated by the second account number, or the deposit limit set in the account of the first account number, etc., which can be the source of withdrawals when performing emergency product purchase services, are all child funds. is the deposit limit of the second user.

The ATM 1 receives the emergency withdrawal permission signal (step S302). The control unit 41 outputs an emergency withdrawal permission signal to the amount transfer unit 46. Based on the acquisition of the emergency withdrawal permission signal, the amount transfer unit 46 detects that withdrawal processing, which is one aspect of amount transfer processing, is permitted. The amount moving unit 46 specifies the product purchase amount included in the emergency withdrawal permission signal. The amount transfer unit 46 performs discharge control of money corresponding to the product purchase amount among the money stored in the ATM 1 (step S303). Money is one aspect of purchase permission media. Thereby, the ATM 1 discharges money corresponding to the purchase price of the product from the money discharge port 16. The user can take out the ejected coins. As a result, the user receives the purchase ticket ejected in step S111 and the money ejected under the control in step S303. The user moves to the sales terminal 4 with the purchase ticket, money, and merchandise. The user can receive the product by moving to the sales terminal 4 with the purchase ticket and the product and presenting it to the store clerk. Note that in various cases where the purchase ticket is not discharged, the user may move to the sales terminal 4 with the coins discharged from the ATM 1 and the merchandise and purchase the merchandise.

According to the above process, when a user who uses ATM 1 suddenly needs to purchase a product without money, he or she can use ATM 1, transfer money, etc. even if he or she does not have a bank cash card or coins. You can receive money to purchase products of the product type specified by a person such as a parent who pays for the product.

In addition, when the ATM 1 that performs the emergency product purchase service discharges the purchase ticket and money together, the sales terminal 4 reads the two-dimensional code printed on the purchase ticket, and when the payment process with money is completed, the two-dimensional code is Based on the information included in the parent's mobile terminal 3, information indicating that the payment has been completed may be transmitted to the parent's mobile terminal 3. At this time, the sales terminal 4 transmits an address transmission request including the first account number and second account number included in the two-dimensional code of the purchase ticket to the server device 2. The server transmission 2 detects the destination address of the parent's mobile terminal 3 based on the first account number and the second account number, and transmits it to the sales terminal 4. The sales terminal 4 transmits information indicating the completion of payment to the parent's destination address acquired from the server device 2. This allows the parent to confirm that the child has paid for the product using the money received from the ATM 1.

<Third embodiment>
In the above process, the control device 10 of the ATM 1 sends the first user associated with the second user who uses the ATM 1 to the server device and the product identification information indicating the product that the second user wishes to purchase from the user management table. An example is shown in which the purchase ticket is ejected after the server device 2 has determined whether the purchase ticket has been recorded in the server device 2. On the other hand, the sales terminal 4 sends information to the server device or the ATM 1 about the first user (parent) associated with the second user (child) who wishes to purchase the product, and the second user (child) who wishes to purchase the product. The purchase permission determination may be obtained from the server device 2 or the ATM 1 by inquiring whether the product identification information indicating the product to be purchased is recorded in the user management table.

FIG. 9 is a diagram showing an ATM processing flow according to the third embodiment.
The ATM 1 similarly performs the processes of steps S401 to S408 corresponding to the processes of steps S101 to S108 of the first embodiment as the processes of the third embodiment. When the UI unit 42 detects that the service start button has been pressed in step S408, the UI unit 42 transmits a purchase ticket discharge request including the first account number, second account number, product identification information, and product purchase amount to the medium. It is output to the output section 45. The media output unit 45 generates a two-dimensional code including a first account number, a second account number, product identification information, and a product purchase amount. The medium output unit 45 discharges the purchase ticket on which the generated two-dimensional code is printed from the paper medium discharge port 18 (step S409). The user receives the ejected purchase ticket. The user moves to the sales terminal 4 with the purchase ticket and the product.

According to the above process, when a user using ATM 1 suddenly needs to purchase a product in a situation where he or she does not have money, the user using ATM 1 can easily use ATM 1 to purchase the product specified by the person paying the money, such as a parent or other person. You can receive a purchase ticket for purchasing a type of product.

The medium output unit 45 detects that the ejection of the purchase ticket has been completed. Then, the medium output section 45 outputs a discharge completion signal to the image transmission section 47. Upon acquiring the discharge completion signal, the image transmitting unit 47 transmits an address request including the first account number and the second account number to the server device 2. The server device 2 transmits to the ATM 1 an address response including the destination address of the parent's mobile terminal 3 recorded in the user management table in association with the first account number and the second account number.

The image transmitter 47 obtains the address response. The image transmitter 47 then reads the destination address of the parent's mobile terminal 3 from the address response. Further, upon acquiring the ejection completion signal, the image transmitting unit 47 acquires the image acquired by the photographing unit 43 from the camera 51. The image transmitter 47 transmits the acquired image to the destination address of the parent's mobile terminal 3 (step S410). The photographing unit 43 controls the camera 51 to continuously photograph the background including the user using the ATM 1 multiple times from a predetermined photographing start time, such as the timing at which the user instructs the start of the emergency product purchase service. , these images may be acquired sequentially. Then, the plurality of images may be output to the image transmitter 47. The image transmitter 47 may transmit the moving image captured by the camera 51 to the parent's mobile terminal 3. This allows parents to check the child who used the emergency product purchase service and the surrounding situation by looking at the image.

FIG. 10 is a diagram showing a processing flow of a sales terminal according to the third embodiment.
The store clerk receives the product and purchase ticket from the user. Under the operation of the store clerk, the sales terminal 4 reads code information printed on the product using a code reader provided in the sales terminal 4. Thereby, the sales terminal 4 reads and temporarily stores the product identification information included in the code information (step S501). Further, the store clerk uses a code reader provided in the sales terminal 4 to read the code information of the two-dimensional code printed on the purchase ticket. Thereby, the sales terminal 4 reads and temporarily stores the first account number, second account number, product identification information, and product purchase amount included in the two-dimensional code (step S502). The clerk then operates the sales terminal 4 and instructs the start of the sales determination based on the purchase ticket.

The determination unit 403 of the sales terminal 4 determines whether the product identification information read from the product and the product identification information read from the purchase ticket match (step S503). If the product identification information matches, the determination unit 403 generates a purchase permission request including the first account number, second account number, product identification information, and product purchase amount to be stored, and sends the request to the server device 2. Transmit (step S504).

Server device 2 receives the purchase permission request. The server device 2 reads the first account number and product identification information included in the purchase permission request. The server device 2 determines whether the first account number and the product identification information are recorded in association with each other in the user management table stored in the database in advance. Note that the parent, who is the first user, applies in advance for his child to be able to use the emergency product purchase service. At this time, the parent applies for product identification information indicating products that the child can purchase. As a result, the user management table stores in advance the first account number of the parent, who is the first user, and the product identification information indicating the product that the parent has applied for, in association with each other. If the first account number and product identification information are recorded in association with each other in the user management table, the server device 2 determines that the purchase by the user who received the purchase ticket from the ATM 1 is permitted.

Note that the server device 2 uses product classification information instead of product identification information, and if the first account number and product classification information included in the purchase permission request are recorded in the user management table, the server device 2 uses product classification information instead of product identification information. It may be determined that the user is permitted to purchase products classified as .

If the server device 2 determines to permit the purchase, it generates a purchase permission response and transmits it to the sales terminal 4. If the server device 2 determines that the purchase is not permitted, it generates a purchase not allowed response and sends it to the sales terminal 4. Sales terminal 4 receives the purchase permission response (step S505). Alternatively, the sales terminal 4 receives a purchase not possible response. The determination unit 403 of the sales terminal 4 detects purchase permission when a purchase permission response is obtained. Further, the determining unit 403 of the sales terminal 4 detects that the purchase is not possible when a purchase is not possible response is obtained.

Note that in step S504, the sales terminal 4 transmits a purchase permission request to the ATM 1, the ATM 1 receives the purchase permission request, determines purchase permission or purchase refusal, and transmits a purchase permission response or a purchase refusal response to the sales terminal 4. You may also do so. In this case, the control device 10 of the ATM 1 may independently obtain the information recorded in the user management table obtained from the server device 2 and determine whether the purchase is permitted or rejected. Alternatively, the control device 10 of the ATM 1 and the server device 2 may cooperate to determine permission for purchase or refusal to purchase.

When the determination unit 403 receives a purchase not possible response, it displays information indicating that purchase is not possible on the display. Thereby, the store clerk understands that the parent of the user who is attempting to purchase the product has refused the purchase, and stops handing over the product to the user (child). On the other hand, when the determination unit 403 receives a purchase permission response, it displays information indicating purchase permission on the display. Thereby, the store clerk understands that the parent of the user who intends to purchase the product has given permission for the purchase.

Note that when the determination unit 403 obtains a sales permission response, it outputs sales permission information to the POS processing unit 402. The POS processing unit 402 detects sales permission and sends a POS processing signal including temporarily stored product identification information and product purchase amount, as well as a first account number, a second account number, product identification information, and product purchase amount. A payment request signal containing a payment request signal is generated. The POS processing unit 402 transmits a POS processing signal to a predetermined POS server and performs POS processing (step S506). The POS process is a process such as subtracting one item from inventory information from product inventory information. The POS processing unit 402 transmits a payment request signal to the server device 2.

The server device 2 receives the payment request signal. The server device 2 performs payment processing using the first account number, second account number, and product purchase amount included in the payment request signal. For example, the server device 2 performs a payment process that subtracts the product purchase amount from the deposit amount in the account information regarding the second account number. As a result, the deposit amount indicated by the account information of the user (second user) using the ATM 1 is updated to the deposit amount after the payment processing.

When performing the emergency product purchase service, the server device 2 may perform a payment process that subtracts the product purchase amount from the deposit amount in the account information regarding the second account number that is the child's account, or may perform a payment process that subtracts the product purchase amount from the deposit amount. In the account information related to the first account number, a payment process may be performed in which the purchase amount of the product is subtracted from the deposit amount. Alternatively, after receiving the payment request signal, the server device 2 moves the amount indicated by the product purchase amount from the account information of the first account number to the account information of the second account number, and then transfers the amount indicated by the product purchase amount to the account information of the second account number. , a payment process may be performed in which the amount indicated by the product purchase amount is subtracted from the deposit amount.

Alternatively, the server device 2 may perform a payment process in which the amount indicated by the product purchase amount is subtracted from the deposit amount of a preset child-dedicated deposit limit in the account information of the first account number. Alternatively, the server device 2 moves the amount indicated by the product purchase amount from the preset deposit amount of the deposit limit for children in the account information of the first account number, and then transfers the amount indicated by the product purchase amount to the account information of the second account number. In the account information of the second account number, a payment process may be performed to subtract the amount indicated by the product purchase amount. Parents make deposits in advance into these child-specific deposit lines. In other words, the account indicated by the first account number, the account indicated by the second account number, or the deposit limit set for the account with the first account number, which can be the payment source for emergency product purchase services, are all child accounts. is the deposit limit of the second user.

When the server device 2 completes the payment process, it transmits a payment completion signal to the sales terminal 4. The POS processing unit 402 of the sales terminal 4 acquires the payment completion signal (step S507). The POS processing unit 402 outputs information indicating the completion of payment to the screen (step S508). Thereby, the store clerk hands over the product to the user.

According to the above process, when a user such as a child suddenly needs to purchase a product without having money, he or she can use ATM 1 to withdraw money even though he or she does not have a bank cash card or coins. To easily purchase a product by receiving a purchase ticket for purchasing a product of the product type specified by a person such as a paying parent.

<Fourth embodiment>
In the above embodiment, purchase tickets and coins are discharged, but the ATM 1 may generate purchase ticket data instead of the purchase ticket and send the purchase ticket data to a terminal carried by the user, or Instead of outputting electronic money, electronic money may be sent to a terminal carried by the user. Thereby, the user may be able to purchase the product by presenting the purchase ticket data or electronic money received at the terminal at the sales terminal 4.

When the ATM 1 outputs purchase ticket data, the medium output unit 45 of the AMT 1 generates purchase ticket data instead of controlling the discharge of the purchase ticket in step S111 in the first embodiment or step S409 in the third embodiment. Then, a purchase ticket data transmission start command is output to the UI section 42. The UI unit 42 displays a purchase ticket data transmission notification on the main display 11 that notifies the user of the start of transmission of purchase ticket data and a text that instructs the user to hold the recording medium of the purchase ticket data over the NFC antenna 12. The image is output to the main display 11.

The user visually recognizes the purchase ticket data transmission notification image output on the main display 11. The user holds the terminal, which is a purchase ticket data recording medium, over the NFC antenna 12. The media output unit 45 controls the NFC antenna 12 to establish a communication connection with the terminal, and instructs the transmission of a purchase ticket data transmission signal. The NFC antenna 12 communicates with the terminal under the control of the media output unit 45 and transmits a purchase ticket data transmission signal. The terminal receives the purchase ticket data transmission signal. The terminal stores the purchase ticket data transmission signal. The purchase ticket data is, for example, two-dimensional code data. The terminal can display the two-dimensional code on its display. The user moves to the sales terminal 4 with the terminal and the product. The user presents the two-dimensional code displayed on the display of the terminal to the clerk at the sales terminal 4. Then, in response to an operation by the store clerk, the sales terminal 4 reads the two-dimensional code (code information) displayed on the display of the user's terminal using a code reader provided in the sales terminal 4. The subsequent processing is similar to the processing from step S201 described in the first embodiment described above (see FIG. 7).

Further, when the ATM 1 outputs electronic money instead of money, the amount transfer unit 46 of the AMT 1 transmits the electronic money to the user's terminal instead of controlling the withdrawal of money in step S303 in the second embodiment. Specifically, the amount transfer unit 46 of the ATM 1 generates an electronic money transmission signal indicating an amount corresponding to the product purchase amount. The amount transfer unit 46 outputs a command to start electronic money transmission to the UI unit 42. The UI unit 42 displays, on the main display 11, an electronic money transmission notification image that displays a text notifying the user of the start of electronic money transmission and a text instructing the user to hold the electronic money recording medium over the NFC antenna 12. Output to display 11.

The user visually recognizes the electronic money transmission notification image. The user holds a terminal, which is an electronic money recording medium, over the NFC antenna 12. The amount transfer unit 46 controls the NFC antenna 12 to establish a communication connection with the terminal, and instructs the transmission of an electronic money transmission signal. The NFC antenna 12 communicates with the terminal under the control of the amount transfer unit 46 and transmits an electronic money transmission signal. The terminal receives the electronic money transmission signal. The terminal reads the product purchase amount information from the electronic money transmission signal, totals the amount information (balance) recorded in the memory and the product purchase amount, and adds up the amount information recorded in the memory to a new total. Update the amount information. The user moves to the sales terminal 4 with the terminal and the product. The user can purchase products using electronic money recorded on the terminal.

The embodiments of the present invention have been described above. According to the above-described process, it is possible to easily enable a child who is located far away and suddenly needs to purchase a product to purchase the product using the ATM 1. can.

FIG. 11 is a diagram showing the minimum configuration of an ATM.
FIG. 12 is a diagram showing a processing flow of an ATM with a minimum configuration.
The ATM 1 may include at least an authentication section 1001 and an output section 1002.
The authentication unit 1001 reads the biometric information of the second user (child) recorded in association with the first user (parent) who opened the first account, and the second user (child) who instructed the purchase process. It is determined whether the authentication based on the matching state with the biometric information is successful (step S1111).
If the authentication is successful, the output unit 1002 outputs a purchase permission medium that permits purchase of the product subject to purchase processing (step S1112). When the purchase permission medium is a purchase ticket, the ATM 1 outputs the purchase ticket including product identification information regarding the product input by the user and user identification information. If the purchase permission medium is money, the ATM 1 outputs money corresponding to the purchase price of the product input by the user. The purchase permission medium may be data.

In the processing of each embodiment described above, the first user is the parent and the second user is the child. However, the relationship between the first user and the second user is not a parent-child relationship, but may be a relationship between a certain user and another user included in the family. For example, the first user may be an adult child, and the second user may be an elderly parent. Alternatively, the relationship between the first user and the second user may be a relationship between users who are not included in relatives.

In the processing of each embodiment described above, a case has been described in which each processing is performed between the ATM 1 and the server device 2, but a terminal device different from the ATM 1 may perform the same processing as the ATM 1 described above. Good too. Further, the ATM 1 may perform part or all of the processing performed by the server device 2 described above. Alternatively, the server device 2 may perform part of the processing performed by the ATM 1 described above.

Each of the above-mentioned devices has a computer system inside. The steps of each of the above-mentioned processes are stored in a computer-readable recording medium in the form of a program, and the above-mentioned processes are performed by reading and executing this program by the computer. Here, the computer-readable recording medium refers to a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, and the like. Alternatively, this computer program may be distributed to a computer via a communication line, and the computer receiving the distribution may execute the program.

The above program may be for realizing some of the functions described above. Furthermore, it may be a so-called difference file (difference program) that can realize the above-mentioned functions in combination with a program already recorded in the computer system.

1...ATM (automated teller machine)
2... Server device 3... Mobile terminal 4... Sales terminal 11... Main display 12... NFC antenna 14... Code reader 16... Money outlet 17... Card slot 18...Paper medium outlet 91...Horizontal pedestal section 10...Control device 41...Control section 42...UI section 43...Photographing section 44...Authentication section 45...Medium Output unit 46...Amount transfer unit 47...Image transmission unit 401...Control unit 402...POS processing unit 403...Determination unit

Claims (6)

Whether the authentication based on the match between the second user's biometric information recorded in association with the first user who opened the first account and the biometric information read from the second user who instructed the purchase process was successful. an authentication unit that determines the
If the authentication is successful, identification information of the product for the purchase process input by the second user and user identification information of the first user related to the second user identified based on the biometric information. an output unit that outputs a purchase permission medium that permits purchase of the target product of the purchase process based on a determination result of the presence or absence of a relationship with the purchase process;
Automatic teller machine equipped with The automatic teller machine according to claim 1 , wherein the output unit outputs a purchase ticket that includes identification information of the target product and serves as the purchase permission medium that authorizes purchase of the target product. The output unit includes identification information of the target product and user identification information related to either the first user or the second user, and the output unit includes the purchase permission medium that authorizes purchase of the target product. The automatic teller machine according to claim 1, which outputs a ticket. The automatic teller machine according to any one of claims 1 to 3 , wherein the output unit outputs money serving as the purchase permission medium for permitting purchase of the target product. The automatic teller machine is
Whether the authentication based on the match between the second user's biometric information recorded in association with the first user who opened the first account and the biometric information read from the second user who instructed the purchase process was successful. Determine,
If the authentication is successful, identification information of the product for the purchase process input by the second user and user identification information of the first user related to the second user identified based on the biometric information. A processing method that outputs a purchase permission medium that permits purchase of the target product of the purchase process based on a determination result of whether there is a relationship with the purchase process. automatic teller machine computer,
Whether the authentication based on the match between the second user's biometric information recorded in association with the first user who opened the first account and the biometric information read from the second user who instructed the purchase process was successful. an authentication means for determining
If the authentication is successful, identification information of the product for the purchase process input by the second user and user identification information of the first user related to the second user identified based on the biometric information. output means for outputting a purchase permission medium that permits the purchase of the target product of the purchase processing based on the determination result of the presence or absence of a relationship with the item ;
A program that functions as

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