JP7419841B2 - Information processing equipment and programs - Google Patents

Description

The present invention relates to an information management device, a program, and an information terminal.

In recent years, transactions using automatic transaction devices such as ATMs (Automatic Teller Machines) have become widespread. For example, a user of an automatic transaction device inserts a cash card into the automatic transaction device and executes a transaction by specifying the transaction type, transaction amount, and the like.

Additionally, cardless transactions, which are transactions using automated teller machines without using a cash card, are also known. For example, there is a transaction mode in which an automated transaction device displays a two-dimensional code, a user reads the two-dimensional code with his or her own information terminal, and the user enters the number displayed on the information terminal into the automated transaction device. .

Additionally, Patent Document 1 discloses a technology in which a user uses a mobile terminal to access a financial institution's web page, obtains a transaction number, and executes a transaction by inputting the transaction number into an automatic transaction device. has been done. Additionally, Patent Document 2 discloses a technology for performing financial transactions such as balance inquiries and transfers based on text input on SNS, blogs, and the like. In addition, Patent Document 3 discloses a technology that determines whether a conversation is a chat or a command execution, and performs processing according to the determination result.

Japanese Patent Application Publication No. 2003-123126 Japanese Patent Application Publication No. 2012-185672 Japanese Patent Application Publication No. 2015-81971

However, known cardless transactions have sometimes caused users to feel inconvenienced. For example, in the technique disclosed in Patent Document 1, for each deposit/withdrawal, access is made to a financial institution's web page, and a user ID, password, and transaction details are input on the financial institution's web page.

Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a new and improved information management device that can realize more convenient cardless transactions. , to provide programs and information terminals.

In order to solve the above problems, according to one aspect of the present invention, there is provided an interactive service server that provides an interactive communication service to a user of the information terminal via an information terminal, and an automatic transaction device connected to the interactive service server. a communication unit that communicates with a financial server; a storage unit that associates and stores identification information of the user in the interactive communication service and account information of the user; When the user's identification information and the transaction details information indicating the details of the transaction are received, a communication control section causes the communication section to transmit the transaction key to the interactive service server, and a communication control section that makes the communication section transmit the transaction key to the interactive service server; a specifying unit that specifies the account information of the user corresponding to the user's identification information; An information management device is provided that causes the communication unit to transmit the account information of the specified user and the transaction details information corresponding to the transaction key to the financial server.

Further, in order to solve the above problems, according to another aspect of the present invention, an interactive service server that provides an interactive communication service to a user of the information terminal via an information terminal, and is connected to an automatic transaction device. a communication unit that communicates with the financial server and the message server; a storage unit that associates and stores identification information of the user in the interactive communication service and account information of the user; When the identification information of the user and the transaction details information indicating the details of the transaction are received from the interactive service server, a communication control section causes the communication section to transmit a transaction key to the message server, and a communication control section that refers to the storage section. and a specifying unit that specifies account information of the user corresponding to the user's identification information, and the communication control unit is configured to: when the communication unit receives the transaction key from the financial server; An information management device is provided that causes the communication unit to transmit the account information of the user specified by the identification unit and the transaction details information corresponding to the transaction key to the financial server.

The transaction details information may indicate at least one of a transaction type and a designated amount.

The transaction key may be time-limited key information.

Further, in order to solve the above problems, according to another aspect of the present invention, a computer is connected to an interactive service server that provides an interactive communication service to a user of the information terminal via an information terminal, and an automatic a communication unit that communicates with a financial server connected to the transaction device; a storage unit that stores identification information of the user in the interactive communication service and account information of the user in association with each other; When the identification information of the user and the transaction details information indicating the details of the transaction are received from the interactive service server, a communication control unit causes the communication unit to transmit a transaction key to the interactive service server; a specifying unit that refers to and specifies account information of the user corresponding to the user's identification information, and the communication control unit receives the transaction key from the financial server by the communication unit. and a program for functioning as an information management device that causes the communication unit to transmit the account information of the user specified by the identification unit and the transaction details information corresponding to the transaction key to the financial server. is provided.

According to the present invention described above, it is possible to realize more convenient cardless transactions.

FIG. 1 is an explanatory diagram showing the configuration of an information processing system according to an embodiment of the present invention. FIG. 1 is an explanatory diagram showing the configuration of an information terminal 10 according to an embodiment of the present invention. FIG. 2 is an explanatory diagram showing an interaction screen for registering the use of cardless transactions. FIG. 2 is an explanatory diagram showing an authentication screen for registering the use of cardless transactions. FIG. 2 is an explanatory diagram showing the configuration of an interactive service server 30 according to an embodiment of the present invention. FIG. 2 is an explanatory diagram showing the configuration of a relay server 20 according to an embodiment of the present invention. FIG. 2 is an explanatory diagram showing a specific example of an account information DB stored in a storage unit 250. FIG. FIG. 3 is an explanatory diagram showing a specific example of a transaction DB stored in the storage unit 250. FIG. It is an explanatory diagram showing the composition of ATM40 by one embodiment of the present invention. 9 is an explanatory diagram showing a specific example of a menu screen 90. FIG. It is an explanatory view showing a specific example of a transaction key input screen 95. FIG. 2 is an explanatory diagram showing the configuration of an ATM management server 50 according to an embodiment of the present invention. FIG. 2 is an explanatory diagram showing the configuration of an accounting system server 60 according to an embodiment of the present invention. FIG. 3 is an explanatory diagram showing an operation for registering the use of cardless transactions. It is an explanatory diagram showing the operation of a cardless withdrawal transaction. It is an explanatory diagram showing the operation of a cardless withdrawal transaction. It is an explanatory diagram showing the operation of a cardless withdrawal transaction. FIG. 3 is an explanatory diagram showing a specific example of a dialog screen. FIG. 3 is an explanatory diagram showing a specific example of a dialog screen. 2 is a block diagram showing the hardware configuration of a relay server 20. FIG. FIG. 3 is an explanatory diagram showing the configuration of an information processing system according to a modified example.

Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. Note that, in this specification and the drawings, components having substantially the same functional configurations are designated by the same reference numerals and redundant explanation will be omitted.

Further, in this specification and the drawings, a plurality of components having substantially the same functional configuration may be distinguished by using different alphabets after the same reference numeral. However, if there is no particular need to distinguish each of the plurality of components having substantially the same functional configuration, only the same reference numerals are given to each of the plurality of components.

<0. Overview of information processing system>
FIG. 1 is an explanatory diagram showing the configuration of an information processing system according to an embodiment of the present invention. As shown in FIG. 1, the information processing system according to an embodiment of the present invention includes an information terminal 10, a relay server 20, an interactive service server 30, an ATM 40, an ATM management server 50, and an accounting server 60. and has.

Information terminal 10, relay server 20, and interactive service server 30 are connected via network 8A. Network 8A may be the Internet. Further, the relay server 20, ATM 40, ATM management server 50, and accounting server 60 are connected via a network 8B. Network 8B may be a bank's internal network.

(information terminal)
The information terminal 10 is an information processing device used by a user. The information terminal 10 according to an embodiment of the present invention downloads an interactive application and installs the interactive application. The interactive application is an application for using the interactive communication service provided by the interactive service server 30. Note that although FIG. 1 shows a mobile terminal as an example of the information terminal 10, the information terminal 10 may be an information processing device such as a PC (Personal Computer) or a wearable device.

(Relay server)
Relay server 20 is interposed between interactive service server 30 and ATM management server 50. The relay server 20 according to an embodiment of the present invention particularly functions as an information management device for supporting cardless transactions at the ATM 40, which are transactions that do not use a cash card. The relay server 20 is installed, for example, in a data center of a bank or a system vendor.

(Interactive service server)
The interactive service server 30 is an information processing device that provides an interactive communication service. Specifically, the interactive service server 30 provides the information terminal 10 with an interaction screen with the communication partner as an interface for the interactive communication service, and displays information transmitted from the information terminal 10 and information transmitted from the communication partner. are added to the above dialog screen one by one. In particular, the interactive service server 30 according to an embodiment of the present invention provides the information terminal 10 with an interaction screen between the information terminal 10 and the relay server 20, and provides cardless communication at the ATM 40 sent from the information terminal 10 and the relay server 20. Add transaction information to the above dialog screen.

(ATM)
An ATM (Automatic Teller Machine) 40 is an automatic teller machine that automatically performs various transactions such as cash deposit transactions and cash withdrawal transactions. When a cash card is inserted, the ATM 40 can proceed with the transaction based on information read from the cash card. Furthermore, the ATM 40 according to an embodiment of the present invention also supports cardless transactions that do not use a cash card. Therefore, the ATM 40 can also perform cardless transactions based on the user's input of a transaction key, which will be described later.

(ATM management server)
The ATM management server 50 is an example of a financial server that bundles multiple ATMs 40, and relays various information and notifications between the ATMs 40 and the accounting server 60. For example, the ATM management server 50 transmits the PIN number and designated amount entered into the ATM 40 in a withdrawal transaction to the banking server 60, and upon receiving a withdrawal processing completion notification from the banking server 60, the ATM management server 50 performs the withdrawal processing. A notification of completion is sent to the ATM 40.

(Accounting server)
The accounting system server 60 is a device that processes a deposit account ledger and controls exchange, connection with the ATM 40, and the like. In one embodiment of the present invention, when a transaction key, which will be described later, is input to the ATM 40, the accounting system server 60 performs withdrawal processing based on the deposit in the bank account corresponding to the transaction key.

(System operation overview)
In the information processing system described above, the user requests a withdrawal transaction at the ATM 40 from the information terminal 10 on the dialog screen provided by the interactive service server 30, and inputs the transaction key added to the dialog screen into the ATM 40. . When a valid transaction key is input, the ATM 40 performs withdrawal processing without inserting a cash card. In recent years, interactive communication services have become familiar and used by many users. In the information processing system according to an embodiment of the present invention, cardless transactions are realized by using such an interactive communication service, so that it is possible to improve convenience for users. The configuration and operation of an information processing system according to an embodiment of the present invention will be described in detail below.

<1. Information terminal configuration>
FIG. 2 is an explanatory diagram showing the configuration of the information terminal 10 according to an embodiment of the present invention. As shown in FIG. 2, the information terminal 10 according to an embodiment of the present invention includes a communication section 120, a display section 130, an operation section 140, and a control section 170.

(Communication Department)
The communication unit 120 communicates various information with other devices. For example, the communication unit 120 transmits to the interactive service server 30 trigger information for registering the use of cardless transactions, trigger information for cardless withdrawal transactions, and the like.

(Display)
The display unit 130 displays a display screen generated by the control unit 170. For example, the display unit 130 displays an interactive screen provided by an interactive communication service, various web pages, and the like. Note that the display unit 130 may be a liquid crystal display or an OLED (Organic Light Emitting Diode).

(Operation unit)
The operation unit 140 is configured for a user to input information, instructions, etc. to the information terminal 10 through operations. For example, the user enters bank authentication information such as the store number, account name, account number, and password of the user's bank account on an authentication screen for registering the use of cardless transactions.

(control unit)
The control unit 170 controls the overall operation of the information terminal 10. For example, the control unit 170 has a function of controlling communication between the communication unit 120 and the interactive service server 30, a function of generating various display screens displayed on the display unit 130, and the like. In particular, the control unit 170 according to an embodiment of the invention has the functionality of an interactive application 172 and the functionality of a browser application 174.

The interactive application 172 is an application used for the information terminal 10 to utilize the service provided by the interactive service server 30. The interactive application 172 controls transmission of messages for the interactive communication service by the communication unit 120 and display of an interactive screen by the display unit 130. The interactive application 172 is set with a user ID, which is identification information of a user in the interactive communication service, and is different for each information terminal 10 in which the interactive application 172 is installed.

The browser application 174 controls the acquisition of web pages and the display of the web pages on the display unit 130. Here, with reference to FIG. 3, specific examples of the dialog screen and web page displayed on the display unit 130 will be described.

FIG. 3 is an explanatory diagram showing an interaction screen for registering the use of cardless transactions. First, when the user selects a predetermined stamp that serves as trigger information for cardless transaction usage registration on the dialog screen, the stamp M1 is added to the dialog screen as shown in the left diagram of FIG. Then, URL information for accessing the authentication screen for usage registration is transmitted from the relay server 20, and a message M2 containing the URL information is added to the dialog screen. When the user selects the URL information, the browser application 174 is started, and the browser application 174 causes the display unit 130 to display an authentication screen (WEB page) for use registration.

FIG. 4 is an explanatory diagram showing an authentication screen 80 for registering the use of cardless transactions. As shown in FIG. 4, the authentication screen 80 includes a store number input field 82, an account number input field 84, a password input field 86, and a registration button 88. The user enters the store number (or store name), account number, and PIN of the user's financial institution account in the store number input field 82, account number input field 84, and PIN input field 86, respectively. Enter the information and press the registration button 88. Authentication processing is performed in the accounting server 60 based on the information input on the authentication screen 80. If the authentication process is successful, the user ID for the interactive service and the user's account information are stored in association with each other in the relay server 20, and the usage registration for cardless transactions is completed.

In this way, by guiding the transition from the dialog screen to the web page, usage registration can be achieved without intervening the dialog service server 30 in the account information communication path. Although FIG. 4 shows an example in which the store number input field 82, the account number input field 84, and the PIN input field 86 are displayed on the same screen, from the viewpoint of security, the PIN input field 86 is It may be displayed on a separate screen.

<2. Interactive service server configuration>
The configuration of the information terminal 10 according to an embodiment of the present invention has been described above. Next, with reference to FIG. 5, the configuration of the interactive service server 30 according to an embodiment of the present invention will be described.

FIG. 5 is an explanatory diagram showing the configuration of the interactive service server 30 according to an embodiment of the present invention. As shown in FIG. 5, the interactive service server 30 according to an embodiment of the present invention includes a communication section 320, a storage section 350, and a control section 370.

(Communication Department)
Communication unit 320 is an interface with information terminal 10 and relay server 20. For example, the communication unit 320 receives information transmitted from the information terminal 10 and transmits the information to the relay server 20. The information transmitted from the information terminal 10 includes trigger information for registering the use of cardless transactions, trigger information for cardless withdrawal transactions, and the like.

Furthermore, the communication unit 320 receives information transmitted from the relay server 20 and transmits the information to the information terminal 10. The information transmitted from the relay server 20 includes a transaction key, information indicating the end of the withdrawal process, and the like.

(Storage part)
The storage unit 350 stores a user ID set for each user of the interactive communication service.

(control unit)
The control unit 370 controls the overall operation of the interactive service server 30. For example, when the communication unit 320 receives information from either the information terminal 10 or the relay server 20, the control unit 370 adds the information to the dialog screen between the information terminal 10 and the relay server 20, and adds the information to the dialog screen between the information terminal 10 and the relay server 20. The communication unit 320 is caused to transmit the dialogue screen displayed to the other of the information terminal 10 or the relay server 20. In particular, when the trigger information and specified amount for a withdrawal transaction are received from the information terminal 10, the control unit 370 adds the trigger information and specified amount to the interaction screen between the information terminal 10 and the relay server 20. Note that the designated amount is an example of transaction content information that indicates the content of the transaction.

<3. Relay server configuration>
The configuration of the interactive service server 30 according to an embodiment of the present invention has been described above. Next, with reference to FIG. 6, the configuration of the relay server 20 according to an embodiment of the present invention will be described.

FIG. 6 is an explanatory diagram showing the configuration of relay server 20 according to an embodiment of the present invention. As shown in FIG. 6, the relay server 20 according to an embodiment of the present invention includes a communication section 220, a storage section 250, and a control section 270.

(Communication Department)
The communication unit 220 is an interface with the information terminal 10 , the interactive service server 30 , the ATM management server 50 , and the accounting server 60 . It has a function as a transmitting section and a receiving section for communicating between the two. For example, the communication unit 220 receives information from the interactive service server 30 and transmits information generated by the control unit 270 to the interactive service server 30.

(Storage part)
Storage unit 250 stores information used for the operation of relay server 20. For example, the storage unit 250 according to an embodiment of the present invention stores the user ID of the user's interactive communication service and the user's account information in association with each other through the cardless transaction usage registration process.

FIG. 7 is an explanatory diagram showing a specific example of the account information DB stored in the storage unit 250. As shown in FIG. 7, the account information DB includes a user ID, and account information such as store number, account, and account number.

(control unit)
The control unit 270 controls the overall operation of the relay server 20. In particular, the control unit 270 according to an embodiment of the present invention has the functions of a communication control unit 271, a usage registration unit 272, a transaction key issuing unit 273, and an account identification unit 274, as shown in FIG.

The communication control unit 271 controls communication performed by the communication unit 220. For example, when the communication unit 220 receives a user ID in the interactive communication service of the user from the interactive service server 30 and the transaction key issuing unit 273 issues a transaction key, the communication control unit 271 controls the transaction key. The communication unit 220 transmits the message to the interactive service server 30.

Further, when the communication unit 220 receives a transaction key from the ATM management server 50 and the account identification unit 274 specifies the account information of the user corresponding to the transaction key, the communication control unit 271 controls the account information of the user. The communication unit 220 is caused to transmit the information to the ATM management server 50. Further, when the communication unit 220 receives a notification indicating the end of a cardless withdrawal transaction at the ATM 40, the communication control unit 271 interactively instructs the communication unit 220 to execute a push notification indicating the end of the withdrawal. It is transmitted to the service server 30.

The usage registration unit 272 receives trigger information for registration of cardless transactions from the information terminal 10 to the interactive service server 30, and transmits the user ID of the user of the information terminal 10 from the interactive service server 30. When received by the unit 220, the user ID is temporarily stored in the storage unit 250, and a URL for accessing the authentication screen described with reference to FIG. 4 is issued. When the authentication process executed by the banking server 60 regarding the user's account information input on the authentication screen is successful, the usage registration unit 272 temporarily stores the information in the storage unit 250 as described with reference to FIG. The stored user ID and account information such as store number, subject, and account number are associated with each other and stored in the account information DB of the storage unit 250.

The transaction key issuing unit 273 transmits the trigger information and specified amount for a withdrawal transaction from the information terminal 10 to the interactive service server 30, and transmits the user ID and specified amount of the user of the information terminal 10 to the interactive service. When received by the communication unit 220 from the server 30, a transaction key is issued. The transaction key is information used for cardless withdrawal transactions at the ATM 40. The transaction key may be time-limited key information or a one-time password that is valid within a predetermined time (for example, within one minute) from issuance.

The transaction key issuing unit 273 causes the storage unit 250 to store the issued transaction key in association with the user ID and the designated amount. FIG. 8 is an explanatory diagram showing a specific example of the transaction DB stored in the storage unit 250. In the example shown in FIG. 8, the transaction key "123456" is stored in the transaction DB in association with the user ID "0001" and the designated amount "10000."

Note that issuing a transaction key means assigning a transaction key to a user. The transaction key issuing unit 273 may generate a transaction key based on the reception of the user ID and the designated amount, and may allocate the generated transaction key to the user. Alternatively, the transaction key issuing unit 273 has a plurality of transaction keys, selects one of the transaction keys from the plurality of transaction keys based on the reception of the user ID and the specified amount, and uses the selected transaction key. may be assigned to a person.

When a transaction key is input in the ATM 40 and an account identification request including the transaction key is received by the communication unit 220 from the ATM management server 50, the account identification unit 274 identifies the transaction in the transaction DB described with reference to FIG. Identify the user ID and designated amount that are stored in association with the key. Further, the account specifying unit 274 refers to the account information DB described with reference to FIG. 7 and specifies account information such as store number, account, and account number associated with the specified user ID. The account information thus specified is transmitted from the communication unit 220 to the ATM management server 50 together with the specified amount specified from the transaction DB.

Note that although an example in which a user ID is associated with a transaction key in the transaction DB has been described above, the configuration of the transaction DB is not limited to this example. As another example, when the transaction key issuing unit 273 issues a transaction key based on reception of a user ID, the account specifying unit 274 refers to the account information DB and determines the account information associated with the user ID. The storage unit 250 may associate and store the transaction key and the account information specified by the account identification unit 274 in the transaction DB.

<4. ATM configuration>
The configuration of the relay server 20 according to an embodiment of the present invention has been described above. Next, the configuration of the ATM 40 according to an embodiment of the present invention will be explained.

FIG. 9 is an explanatory diagram showing the configuration of the ATM 40 according to an embodiment of the present invention. As shown in FIG. 9, the ATM 40 includes a communication section 420, a display section 430, an operation section 440, a withdrawal section 460, and a control section 470.

(Communication Department)
The communication unit 420 communicates various information with the ATM management server 50. For example, the communication unit 420 transmits a transaction key input by a user to the ATM management server 50 in a cardless withdrawal transaction. The communication unit 420 also receives a withdrawal processing completion notification from the ATM management server 50 indicating that the withdrawal processing in the accounting system server 60 has been completed.

(Display)
The display unit 430 displays various display screens generated by the control unit 470. For example, the display unit 430 displays a menu screen for selecting a transaction, a transaction key input screen, and the like. Here, a specific example of the display screen displayed by the display unit 430 will be described with reference to FIGS. 10 and 11.

FIG. 10 is an explanatory diagram showing a specific example of the menu screen 90. As shown in FIG. 10, the menu screen 90 includes a withdrawal button 92, a deposit button 93, a cardless transaction button 94, and the like. The withdrawal button 92 is a button selected for a withdrawal transaction that involves the insertion of a cash card, and the deposit button 93 is a button that is selected for a deposit transaction that involves the insertion of a cash card. Cardless transaction button 94 is a button selected for cardless transactions that do not involve insertion of a cash card. When the user selects the cardless transaction button 94, the display unit 430 displays a transaction key input screen.

FIG. 11 is an explanatory diagram showing a specific example of the transaction key input screen 95. As shown in FIG. 11, the transaction key input screen 95 includes a transaction key input field 96 and a confirmation button 97. The user inputs the transaction key into the transaction key input field 96, and selects the confirmation button 97 after inputting the transaction key.

(Operation unit)
The operation unit 440 is configured for a user to input information, instructions, etc. to the ATM 40 through operations. By operating the operation unit 440, the user can select the cardless transaction button 94 on the menu screen 90 or input a transaction key on the transaction key input screen 95.

Although this specification mainly describes an example in which the ATM 40 acquires a transaction key through input from a user, the ATM 40 can also acquire a transaction key using other methods. For example, the ATM 40 may have a function of reading a two-dimensional code. In this case, the information terminal 10 displays the two-dimensional code indicating the transaction key, and the ATM 40 reads the two-dimensional code, so that the ATM 40 can read the transaction key. It is possible to obtain Further, the ATM 40 may have a contactless communication function or a wireless communication function. In this case, the information terminal 10 transmits information indicating the transaction key to the ATM 40 using the contactless communication function or the wireless communication function. The ATM 40 can acquire the transaction key.

(Withdrawal Department)
The withdrawal unit 460 is configured to withdraw cash in a withdrawal transaction. The cash dispensing unit 460 includes, for example, a cash storage unit that stores cash, a customer service unit from which users take out cash, a conveyance unit that transports cash from the cash storage unit to the customer service unit, and the like.

(control unit)
The control unit 470 controls the overall operation of the ATM 40. For example, the control unit 470 controls communication between the communication unit 420 and the ATM management server 50, screen display by the display unit 430, and cash withdrawal by the withdrawal unit 460.

<5. ATM management server configuration>
The configuration of the ATM 40 according to an embodiment of the present invention has been described above. Next, the configuration of the ATM management server 50 according to an embodiment of the present invention will be explained.

FIG. 12 is an explanatory diagram showing the configuration of the ATM management server 50 according to an embodiment of the present invention. As shown in FIG. 12, the ATM management server 50 according to an embodiment of the present invention includes a communication section 520 and a control section 570.

(Communication Department)
The communication unit 520 communicates various information with other devices. For example, the communication unit 520 receives a transaction key from the ATM 40 during a cardless withdrawal transaction, and transmits the transaction key to the relay server 20. Furthermore, the communication unit 520 receives the cash card's PIN number from the ATM 40 when making a cardless withdrawal transaction, and transmits the designated amount, PIN number, etc. together with the user's account information to the accounting system server 60.

(control unit)
The control unit 570 controls the overall operation of the ATM management server 50. As shown in FIG. 12, the control unit 570 has the functions of an account identification requesting unit 571, a processing requesting unit 572, and a processing end notification unit 574.

When a transaction key is input to the ATM 40 in a cardless withdrawal transaction and the communication unit 520 receives the transaction key from the ATM 40, the account identification request unit 571 sends an account identification request including the transaction key to the communication unit 520. is sent to the relay server 20. The account specification request is a request to specify account information corresponding to a transaction key. When the account information along with the designated amount is received from the relay server 20 in response to the account identification request, the account identification request unit 571 causes the communication unit 520 to transmit the account information and the designated amount to the ATM 40 .

When the communication unit 520 receives the account information, specified amount, and cash card PIN from the ATM 40, the processing request unit 572 sends a withdrawal processing request including the account information, specified amount, and cash card PIN to the communication unit. 520 to the accounting server 60. The processing requesting unit 572 executes the above-described processing that is substantially the same in both cardless withdrawal transactions and normal withdrawal transactions.

When a withdrawal processing end notification indicating the end of withdrawal processing is received from the accounting system server 60, the processing end notification unit 574 transmits the withdrawal processing end notification to the ATM 40 and the relay server 20 via the communication unit 520. do.

<6. Accounting server configuration>
The configuration of the ATM management server 50 according to an embodiment of the present invention has been described above. Next, the configuration of the accounting server 60 according to an embodiment of the present invention will be described.

FIG. 13 is an explanatory diagram showing the configuration of the accounting server 60 according to an embodiment of the present invention. As shown in FIG. 13, the accounting server 60 includes a communication section 620 and a control section 670.

The communication unit 620 communicates various information with the relay server 20 and the ATM management server 50. For example, the communication unit 620 receives an authentication request for registering the use of cardless transactions from the relay server 20 and transmits the authentication result to the relay server 20. The communication unit 620 also receives a withdrawal processing request from the ATM management server 50 and transmits a withdrawal processing completion notification to the ATM management server 50.

(control unit)
The control unit 670 controls the overall operation of the accounting server 60. As shown in FIG. 13, the control unit 670 has the functions of an accounting system processing unit 671 and a processing end notification unit 672.

The accounting processing unit 671 processes the deposit account ledger for each transaction. For example, based on a withdrawal processing request from the ATM management server 50, the accounting system processing unit 671 withdraws a specified amount of funds from the bank account indicated by the account information included in the withdrawal processing request as a withdrawal processing.

The processing end notification unit 672 controls transmission of a processing end notification indicating that the processing by the accounting system processing unit 671 has ended. For example, when the accounting system processing unit 671 finishes the withdrawal process, the processing completion notification unit 672 causes the communication unit 620 to transmit a withdrawal process completion notification to the ATM management server 50.

<7. Operation>
Each configuration of the information processing system according to an embodiment of the present invention has been described above. Next, the operation of the information processing system according to an embodiment of the present invention will be summarized with reference to FIGS. 14 to 17. Specifically, the operations for registering the use of cardless transactions will be summarized with reference to FIG. 14, and the operations for cardless withdrawal transactions will be summarized with reference to FIGS. 15 to 17.

(Registration for use of cardless transactions)
FIG. 14 is an explanatory diagram showing the operation for registering the use of cardless transactions. First, when the user starts the interactive application 172 of the information terminal 10 (S102) and selects a predetermined stamp for registering the use of cardless transactions on the interactive screen, the communication unit 120 of the information terminal 10 Trigger information for use registration is transmitted to the interactive service server 30 (S103).

Then, the control unit 370 of the interactive service server 30 acquires the user ID set in the information terminal 10 that is the source of the trigger information from the storage unit 350, and the communication unit 320 transfers the user ID to the relay server 20. (S104).

When the user ID is received from the interactive service server 30, the usage registration unit 272 of the relay server 20 temporarily stores the user ID in the storage unit 250, and displays the authentication screen as described with reference to FIG. A URL is issued (S105).

When the control unit 370 of the interactive service server 30 receives the URL of the authentication screen from the relay server 20, as described with reference to FIG. 3, the control unit 370 arranges the URL of the authentication screen on the interactive screen (S106). .

Then, when the user selects the URL of the authentication screen on the dialog screen displayed on the display unit 130 of the information terminal 10, the control unit 170 starts the browser application 174, and the browser application 174 accesses and obtains the above URL. The display unit 130 displays the authentication screen. The user operates the operation unit 140 to input the store number, account number, PIN number, etc. for the bank account held by the user on the authentication screen, and the communication unit 220 inputs the store number, account number, and password entered by the user. The number and password are transmitted to the relay server 20 (S107).

When the user's account information (store number, account number) and PIN number are received from the information terminal 10, the usage registration unit 272 of the relay server 20 sends an authentication request including the account information and PIN number to the accounting server 60. Send (S108). Based on receiving the authentication request, the accounting server 60 executes authentication processing for the account number and password included in the authentication request, and transmits the authentication result to the relay server 20 (S109).

If the authentication result is successful, the usage registration unit 272 of the relay server 20 associates the temporarily stored user ID with account information such as store number, subject, and account number, and stores the account information in the storage unit 250. It is stored in the DB (S110). Then, the communication unit 220 of the relay server 20 transmits a notification indicating completion of usage registration to the information terminal 10, and the display unit 130 of the information terminal 10 displays a screen indicating completion of usage registration (S111).

(Cardless withdrawal transaction)
15 to 17 are explanatory diagrams showing the operation of a cardless withdrawal transaction. As shown in FIG. 15, first, the user starts the interactive application 172 of the information terminal 10 (S202), selects a predetermined stamp for cardless withdrawal transaction on the interactive screen, and withdraws the specified amount. is input (S203).

For example, when the user selects a predetermined stamp that serves as trigger information for a cardless withdrawal transaction on the dialog screen, the stamp M3 is placed on the dialog screen as shown in the left diagram of FIG. Then, the relay server 20 receives the user ID of the user from the interactive service server 30, identifies the account information associated with the user ID in the account information DB, and updates the account information from the accounting system server 60. The balance information of the account indicated by the information is acquired and the balance information is transmitted to the interactive service server 30. Then, the interactive service server 30 adds a message M4 containing the balance information (100,000 yen in the illustrated example) to the interactive screen, as shown in the left diagram of FIG. Then, when the user inputs the specified amount into the information terminal 10, a message M5 containing the specified amount (10,000 in the illustrated example) is added to the dialog screen.

After that, the interactive service server 30 acquires the user ID set in the information terminal 10 from the storage unit 350 (S204), and transmits the user ID and the designated amount to the relay server 20 (S204).

Then, the transaction key issuing unit 273 of the relay server 20 issues a transaction key, and stores the transaction key, the user ID received from the relay server 20, and the specified amount in the transaction DB of the storage unit 250 in association with each other (S205). . Further, when the communication unit 220 of the relay server 20 transmits the transaction key to the interactive service server 30, the interactive service server 30 places the transaction key on the dialog screen (S206), and the information terminal 10 includes the transaction key. A dialogue screen is displayed (S207). For example, as shown in the right diagram of FIG. 18, a message M6 containing a transaction key (123456 in the illustrated example) is placed on the dialog screen.

Here, when a cardless transaction is selected by the user from the menu screen at the ATM 40, the display unit 430 of the ATM 40 displays a transaction key input screen, and the user enters the transaction key displayed on the dialog screen. Input on the input screen (S208).

When the transaction key is input, the communication unit 420 of the ATM 40 transmits the transaction key to the ATM management server 50, as shown in FIG. 16 (S210). Then, the account identification request unit 571 of the ATM management server 50 causes the communication unit 520 to transmit an account identification request including the transaction key received from the ATM 40 to the relay server 20 (S211).

Based on the account identification request, the account identification unit 274 of the relay server 20 identifies the user ID and specified amount stored in association with the transaction key included in the account identification request in the transaction DB described with reference to FIG. (S212). Furthermore, the account identification unit 274 refers to the account information DB described with reference to FIG. sends these account information to the ATM management server 50 along with the specified amount specified from the transaction DB (S213).

When the ATM management server 50 receives the account information and the specified amount from the relay server 20, it transmits the account information and the specified amount to the ATM 40 (S214). After receiving the account information and the designated amount (S215), the ATM 40 displays a screen for entering the cash card PIN as shown in FIG. A password is input (S220).

Subsequently, upon receiving the account information, designated amount, and cash card PIN from the ATM 40, the processing requesting unit 572 of the ATM management server 50 performs a withdrawal process including the account information, designated amount, and cash card PIN. The communication unit 520 transmits the request to the accounting server 60 (S221). Based on the withdrawal processing request from the ATM management server 50, the accounting system processing unit 671 of the accounting system server 60 processes the withdrawal processing request as withdrawal processing after the authentication processing using the cash card PIN number is successful. A designated amount of funds is withdrawn from the bank account indicated by the included account information (S222). Then, the accounting system server 60 transmits a withdrawal processing completion notification to the ATM management server 50, and the ATM management server 50 transmits a withdrawal processing completion notification to the ATM 40 and the relay server 20 (S223).

Note that the exchanges (telegrams) between the ATM 40 and the ATM management server 50 and the exchanges (telegrams) between the ATM management server 50 and the accounting server 60 shown in S221 to S223 are exchanges in a withdrawal transaction using a cash card. It can be made substantially the same (common, similar specifications). With this configuration, it is possible to reduce the scale of system modification of the accounting system server 60 performed in order to apply one embodiment of the present invention.

The withdrawal unit 460 of the ATM 40 withdraws the designated amount based on the withdrawal processing completion notification from the ATM management server 50 (S224). Further, the relay server 20 transmits an instruction to execute a push notification indicating the end of withdrawal to the interactive service server 30 based on the withdrawal processing end notification from the ATM management server 50 (S225). Based on the receipt of the instruction, the interactive service server 30 issues a push notification indicating the end of withdrawal (S226). For example, the interactive service server 30 may add a message M7 indicating the end of withdrawal to the interactive screen as shown in FIG. 19 as an example of the bush notification. The message M7 indicating the end of withdrawal may include the location where the withdrawal was made (in the example shown in FIG. 19, the AA branch) in addition to the withdrawal amount.

<8. Hardware configuration>
An embodiment of the present invention has been described above. Information processing such as issuance of transaction keys and specification of account information described above is realized by cooperation between software and hardware of relay server 20, which will be described below.

FIG. 20 is a block diagram showing the hardware configuration of relay server 20. As shown in FIG. The relay server 20 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, and a host bus 204. The relay server 20 also includes a bridge 205, an external bus 206, an interface 207, an input device 208, a display device 209, an audio output device 210, a storage device (HDD) 211, a drive 212, and a network interface. 215.

The CPU 201 functions as an arithmetic processing device and a control device, and controls overall operations within the relay server 20 according to various programs. Further, the CPU 201 may be a microprocessor. The ROM 202 stores programs used by the CPU 201, calculation parameters, and the like. The RAM 203 temporarily stores programs used in the execution of the CPU 201 and parameters that change as appropriate during the execution. These are interconnected by a host bus 204 composed of a CPU bus and the like. Through cooperation between the CPU 201, ROM 202, RAM 203, and software, each function of the control unit 270 described with reference to FIG. 6 can be realized.

The host bus 204 is connected via a bridge 205 to an external bus 206 such as a PCI (Peripheral Component Interconnect/Interface) bus. Note that the host bus 204, bridge 205, and external bus 206 do not necessarily need to be configured separately, and these functions may be implemented in one bus.

The input device 208 includes input means for the user to input information, such as a mouse, keyboard, touch panel, button, microphone, sensor, switch, and lever, and an input device that generates an input signal based on the user's input and outputs it to the CPU 201. It consists of control circuits, etc. By operating the input device 208, the user of the relay server 20 can input various data to the relay server 20 and instruct processing operations.

The display device 209 includes display devices such as a liquid crystal display (LCD) device, a projector device, an OLED (Organic Light Emitting Diode) device, and a lamp. Furthermore, the audio output device 210 includes an audio output device such as a speaker and headphones.

The storage device 211 is a data storage device configured as an example of a storage unit of the relay server 20 according to the present embodiment. The storage device 211 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deletion device that deletes data recorded on the storage medium, and the like. The storage device 211 is configured with, for example, an HDD (Hard Disk Drive), an SSD (Solid Storage Drive), or a memory having an equivalent function. This storage device 211 drives storage and stores programs executed by the CPU 201 and various data.

The drive 212 is a reader/writer for storage media, and is either built into the relay server 20 or attached externally. The drive 212 reads information recorded on an attached removable storage medium 24 such as a magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 203 or the storage device 211 . Drive 212 can also write information to removable storage medium 24 .

The network interface 215 is, for example, a communication interface configured with a communication device for connecting to the network 8. Further, the network interface 215 may be a wireless LAN (Local Area Network) compatible communication device or a wire communication device that performs wired communication.

Note that a hardware configuration including a CPU, ROM, RAM, etc. may be similarly applied to the information terminal 10, the interactive service server 30, the ATM management server 50, and the accounting server 60. In this case, the functions of the information terminal 10, the interactive service server 30, the ATM management server 50, and the accounting server 60 described above are realized by the cooperation of the CPU, ROM, RAM, and software.

<9. Conclusion>
As explained above, in one embodiment of the present invention, a user requests a withdrawal transaction at the ATM 40 from the information terminal 10 on the dialog screen provided by the dialog service server 30, and the Enter the transaction key into the ATM 40. When a valid transaction key is input, the ATM 40 performs withdrawal processing without inserting a cash card. In recent years, interactive communication services have become familiar and used by many users. In the information processing system according to an embodiment of the present invention, cardless transactions are realized by using such an interactive communication service, so that it is possible to improve convenience for users.

Further, according to one embodiment of the present invention, since the specified amount is input by the user on the dialog screen, a cardless withdrawal transaction is realized without inputting the specified amount to the ATM 40. Therefore, the user can easily operate the ATM 40, and the time the user spends using the ATM 40 can be shortened.

Also, according to one embodiment of the present invention, time-limited key information is used as the transaction key. Therefore, it is possible to improve the security of cardless withdrawal transactions.

Further, according to an embodiment of the present invention, the exchange (telegram) between the ATM management server 50 and the accounting server 60 can be substantially the same as the exchange in a withdrawal transaction using a cash card. . With this configuration, it is possible to reduce the scale of system modification of the accounting system server 60 performed in order to apply one embodiment of the present invention.

Although preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is clear that a person with ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea stated in the claims. It is understood that these also naturally fall within the technical scope of the present invention.

For example, although an example has been described above in which the relay server 20 transmits the transaction key to the information terminal 10 via the interactive service server 30, the transaction key may be transmitted to the information terminal 10 via another route. Here, a modification of the transaction key transmission route will be described with reference to FIG. 21.

FIG. 21 is an explanatory diagram showing the configuration of an information processing system according to a modified example. As shown in FIG. 21, the information processing system according to the modified example includes an SMS server 70 in addition to an information terminal 10, a relay server 20, an interactive service server 30, an ATM 40, an ATM management server 50, and an accounting server 60.

The SMS (Short Message Service) server 70 is a message server that transmits messages upon request from other devices. In this modification, when the transaction key issuing unit 273 of the relay server 20 issues a transaction key, the communication control unit 271 of the relay server 20 sends the transaction key to the telephone number of the information terminal 10 to which the transaction key is issued. The communication unit 220 causes the communication unit 220 to transmit a request to send a message including the text in the text to the SMS server 70.

Then, the SMS server 70 transmits a message including the transaction key in the body to the information terminal 10 based on the transmission request. In this way, it is also possible to transmit the transaction key to the information terminal 10 without going through the interactive service server 30. Note that for the operation according to this modification, it is desirable that each user's telephone number is stored in the storage unit 250 in addition to each user's account information when registering for use of cardless transactions.

Additionally, although we have explained above that a business that provides interactive communication services and a business that provides financial services are different, a business that provides interactive communication services and a business that provides financial services are the same. There may be. For example, if a business that provides interactive communication services operates an electronic money server as a funds transfer business and provides a server-type electronic money service, the electronic money server may be used instead of the above-mentioned accounting system server 60. It may function as a financial server.

Further, each step in the processing of the information processing system of this specification does not necessarily need to be processed chronologically in the order described in the flowchart. For example, each step in the processing of the information processing system may be processed in a different order from the order described in the flowchart, or may be processed in parallel.

In addition, the information terminal 10, the relay server 20, etc. described above have hardware such as a CPU, ROM, and RAM built in the information terminal 10, the relay server 20, the interactive service server 30, the ATM management server 50, and the accounting server 60. , the interactive service server 30 , the ATM management server 50 , and the accounting server 60 can also be created. A storage medium storing the computer program is also provided.

10 Information terminal 120 Communication section 130 Display section 140 Operation section 170 Control section 172 Interactive application 174 Browser application 20 Relay server 220 Communication section 250 Storage section 270 Control section 271 Communication control section 272 Usage registration section 273 Transaction key issuing section 274 Account specification Section 30 Interactive service server 320 Communication section 350 Storage section 370 Control section 40 ATM
420 Communication section 430 Display section 440 Operation section 460 Withdrawal section 470 Control section 50 ATM management server 520 Communication section 570 Control section 571 Account identification request section 572 Process request section 574 Process end notification section 60 Account system server 620 Communication section 670 Control section 671 Accounting system processing unit 672 Processing completion notification unit 70 SMS server

Claims (5)

an interactive service server that provides interactive communication services to users of the information terminal via the information terminal; and a communication unit that communicates with a financial server connected to the automatic transaction device;
a storage unit that stores identification information of the user in the interactive communication service and account information of the user in association with each other;
a communication control unit that causes the communication unit to transmit a transaction key to the interactive service server when the communication unit receives identification information of the user and transaction content information indicating the transaction content from the interactive service server; ,
a specifying unit that refers to the storage unit and specifies account information of the user corresponding to the user's identification information;
Equipped with
When the communication unit receives the transaction key from the financial server, the communication control unit transmits the account information of the user specified by the identification unit and the transaction content information corresponding to the transaction key. An information management device that causes the communication unit to transmit data to the financial server. an interactive service server that provides interactive communication services to users of the information terminal via the information terminal, a financial server connected to the automatic transaction device, and a communication unit that communicates with the message server;
a storage unit that stores identification information of the user in the interactive communication service and account information of the user in association with each other;
a communication control unit that causes the communication unit to transmit a transaction key to the message server when the communication unit receives identification information of the user and transaction content information indicating the transaction content from the interactive service server;
a specifying unit that refers to the storage unit and specifies account information of the user corresponding to the user's identification information;
Equipped with
When the communication unit receives the transaction key from the financial server, the communication control unit transmits the account information of the user specified by the identification unit and the transaction content information corresponding to the transaction key. An information management device that causes the communication unit to transmit data to the financial server. 3. The information management device according to claim 1, wherein the transaction details information indicates at least one of a transaction type and a designated amount. The information management device according to any one of claims 1 to 3, wherein the transaction key is time-limited key information. computer,
an interactive service server that provides interactive communication services to users of the information terminal via the information terminal; and a communication unit that communicates with a financial server connected to the automatic transaction device;
a storage unit that stores identification information of the user in the interactive communication service and account information of the user in association with each other;
a communication control unit that causes the communication unit to transmit a transaction key to the interactive service server when the communication unit receives identification information of the user and transaction content information indicating the transaction content from the interactive service server; ,
a specifying unit that refers to the storage unit and specifies account information of the user corresponding to the user's identification information;
Equipped with
When the communication unit receives the transaction key from the financial server, the communication control unit transmits the account information of the user specified by the identification unit and the transaction content information corresponding to the transaction key. A program for causing the communication unit to function as an information management device that transmits data to the financial server.

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