JP7435999B2 - Automatic teller machines, terminal devices, processing methods, programs - Google Patents

Description

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

Up until now, when giving money to a third party who is far away, such as a child or an elderly person with a low income, the money could be handed over to the recipient in advance, or the money could be transferred to the recipient's account. often uses an automated teller machine to withdraw the money. A related technique 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

A third party, such as a child who is far away and suddenly needs money, can easily transfer money using an automated teller machine without having to possess the equipment or cards necessary to receive the money. There is a need for technology that can do this.

Therefore, an object of the present invention is to provide an automatic teller machine, 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 reads the biometric information of the second user linked to the first user who opened the first account and the second user who instructed the amount transfer process. an amount transfer unit that performs the amount transfer process regarding amount information recorded as a deposit limit of the second user linked to the first account when authentication based on a matching state with biometric information is successful; The present invention is characterized by comprising an image transmitting unit that transmits a photographed image of the second user taken when performing the amount transfer process to a destination related to the first user.

According to the second aspect of the present invention, the automatic teller machine reads the biometric information of the second user linked to the first user who opened the first account and the second user who instructed the amount transfer process. Based on the success of authentication based on the matching state with biometric information and the first user's permission for the second user's amount transfer process, the second user's deposit limit is linked to the first account. The present invention is characterized by comprising an amount moving unit that performs the amount moving process regarding the amount information to be recorded.

According to the third aspect of the present invention, the terminal device includes biometric information of a second user linked to the first user who opened the first account and biometric information read from the second user who instructed the amount transfer process. an amount transfer unit that performs the amount transfer process regarding amount information recorded as a deposit limit of the second user linked to the first account when authentication based on a matching state is successful; The present invention is characterized by comprising an image transmitting unit that transmits a photographed image of the second user photographed when performing processing to a transmission destination related to the first user.

According to the fourth aspect of the present invention, the processing method includes biometric information of a second user linked to the first user who opened the first account and biometric information read from the second user who instructed the amount transfer process. If the authentication based on the matching state is successful, when performing the amount transfer processing regarding the amount information recorded as the deposit limit of the second user linked to the first account, and performing the amount transfer processing. The second user's photographed image is transmitted to a transmission destination related to the first user.

According to the fifth aspect of the present invention, the program instructs the computer of the automatic teller machine to process the biometric information of the second user linked to the first user who opened the first account and the amount transferred. If the authentication based on the matching state with the biometric information read from the two users is successful, the amount to be used for the amount transfer process regarding the amount information recorded as the deposit limit of the second user linked to the first account. The present invention is characterized in that it functions as a moving means and an image transmitting means for transmitting a photographed image of the second user taken when performing the amount transfer process to a destination related to the first user.

According to the present invention, a third party, such as a child who is located far away and suddenly needs money, can use an automatic teller machine to receive money without having to possess the equipment or cards necessary to receive the money. You can easily transfer money.

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. FIG. 2 is a functional block diagram of a control device according to an embodiment of the present invention. 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. It is a figure showing the processing flow of ATM by a second embodiment of the present invention. It is a figure showing the processing flow of the ATM system according to the fourth embodiment of the present invention. It is a figure showing the processing flow of the ATM system according to the fifth embodiment of the present invention. FIG. 1 is a first diagram showing the minimum configuration of an ATM of the present invention. FIG. 1 is a first diagram showing a processing flow of an ATM according to the minimum configuration of the present invention. FIG. 2 is a second diagram showing the minimum configuration of the ATM of the present invention. FIG. 2 is a second diagram showing the processing flow of an ATM according to 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) and a server device 2 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 also communicates with a mobile terminal 3 such as a parent of a user (child) who uses the ATM 1. In FIG. 1, only one ATM 1 is 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 receipt 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 receipt discharge port 18 discharges a receipt 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 piece of hardware described above.

FIG. 4 is a functional block diagram of the control device.
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 following functions: a control section 41, a UI section 42, a photographing section 43, an authentication section 44, an amount transfer section 45, an image transmission section 46, a status information transmission section 47, and a communication section 48. .

The control unit 41 controls the ATM 1 as well as other functional units as part of the processing.
As part of the processing, the UI unit 42 outputs and inputs information to the user via the main display 11 of the ATM.
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 using a user's facial image.

The amount transfer unit 45 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 46 transmits a photographed image of the user (child) taken when performing the money transfer process to a destination related to another user (parent) associated with the user. An example of the destination is the mobile terminal 3 owned by the other user (parent).

As part of the processing, the status information transmitting unit 47, after implementing the amount transfer process related to the withdrawal of amount information, links the status information regarding the amount transfer process of the user (child) using the ATM 1 to that user. Send to another user's (parent) destination.

As part of the processing, the communication unit 48 communicates with the device of the transmission destination (such as the mobile terminal 3) regarding another user (parent) associated with the user (child) using the ATM 1 and the user (child) using the ATM 1. and assist communication between the users. Specifically, the ATM 1 is equipped with a telephone function, and when the user picks up the receiver, the ATM 1 directly processes a call to the mobile terminal 3 of another user (parent).

By providing these functions, the ATM 1 can store, for example, the biometric information of the child, who is the second user, linked to the parent, who is the first user who opened the first account, and the second user who instructed the ATM 1 to process the amount transfer. When the authentication based on the matching state with the biometric information read from the child who is the second user is successful, an amount transfer process is performed regarding the amount information recorded as the child's deposit limit linked to the parent's account. Then, the ATM 1 transmits the photographed image of the child taken when performing the amount transfer process to the transmission destination related to the parent.

This process allows a third party, such as a child who is far away, who suddenly needs money, to be able to receive the money even if they do not have the equipment or cards they need to use to receive the money. The first user of the ATM 1 can easily transfer money to the second user, who is a third party. The details of the processing of the ATM system 100 will be described below.

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 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 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 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.
If a child suddenly needs money, he or she heads to ATM 1 installed at a nearby convenience store or the like and stands in front of 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 withdraw money even if he or she does not hold a bank cash card. As an example, the service name will be referred to as "emergency withdrawal service." The user touches the icon button corresponding to the emergency withdrawal service. The UI unit 42 detects that the user has touched the icon button corresponding to the emergency withdrawal 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 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 outputted in advance in the form of a two-dimensional barcode, etc. information to be displayed on a computer, 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 this 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 3 receives a password, unique ID, or portable medium recording information, the server device 3 either stores the password in advance in association with facial feature information, or uses the unique ID or portable media 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 4 does not hold the facial feature information of the user using the ATM 1 in the user management table, the server device 4 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 withdrawal 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 unit 44 detects successful authentication, it outputs the start of the emergency withdrawal service to the UI unit 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 withdrawal service. In place of this information, the server device 2 sends to the ATM 1, for example, the first account number or the first account number, if the information can identify the user (child) who is currently using the ATM 1 that receives the emergency withdrawal service. 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, and the ATM 1 may record such information.

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

With the emergency withdrawal service screen displayed, the user operates the numeric keypad of the ATM 1 to input the withdrawal amount. The UI unit 42 displays the withdrawal amount in the withdrawal amount input field and stores the amount information. Further, assume that the user presses the withdrawal start button while the emergency withdrawal service screen is displayed. The UI unit 42 detects pressing of the withdrawal start button (step S108). Then, the UI unit 42 outputs an emergency withdrawal request including the memorized withdrawal amount to the amount transfer unit 45.

The amount transfer unit 45 acquires the emergency withdrawal request. The amount transfer unit 45 reads the temporarily recorded first account number and second account number from the memory. The amount moving unit 45 generates an emergency withdrawal control signal that includes the first account number, the second account number, and the withdrawal amount included in the emergency withdrawal request. The amount transfer unit 45 transmits an emergency withdrawal control signal to the server device 2 (step S109).

The server device 2 receives the emergency withdrawal control signal. The server device 2 reads the first account number, second account number, and withdrawal 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. Note that the emergency service permission flag is set to ON by the financial institution that manages the ATM 1 based on the parent's prior application. In other words, when a parent wants their child to receive an emergency withdrawal service, they apply in advance for this 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 withdrawal service for the user using the ATM 1 is permitted. When the server device 2 determines to permit the emergency withdrawal service, the server device 2 checks the mobile terminal 3 carried by the parent who is the first user, which is 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 to the ATM 1 an emergency withdrawal permission signal including information on the amount to be withdrawn and the destination address of the parent's mobile terminal 3. The server device 2 also performs a withdrawal process to subtract the withdrawal 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.

Note that when performing the emergency withdrawal service, the server device 2 may perform a withdrawal process that subtracts the withdrawal 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 withdrawal amount from the deposit amount. Withdrawal processing may be performed in which the withdrawal amount is subtracted from the deposit amount in the account information regarding one account number. Alternatively, in order to provide an emergency withdrawal service, the server device 2 moves the withdrawal amount from the account information of the first account number to the account information of the second account number after receiving the emergency withdrawal control signal, and then moves the withdrawal amount from the account information of the first account number to the account information of the second account number. In the account information of the second account number, a withdrawal process may be performed in which the withdrawal amount is subtracted from the deposit amount. Alternatively, the server device 2 may perform a withdrawal process in which the withdrawal amount is subtracted from the deposit amount of a preset deposit limit for children in the account information of the first account number. Alternatively, the server device 2 moves the withdrawal amount from the deposit amount of the preset deposit limit for children in the account information of the first account number to the account information of the second account number, and then transfers the withdrawal amount to the account information of the second account number. Withdrawal processing may be performed to reduce the withdrawal amount in the account information of the number. 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 source of withdrawal when performing emergency withdrawal services, are all child accounts. This is a deposit limit for a certain second user.

The ATM 1 receives the emergency withdrawal permission signal (step S110). The control unit 41 outputs an emergency withdrawal permission signal to the amount transfer unit 45. Based on the acquisition of the emergency withdrawal permission signal, the amount transfer unit 45 detects that withdrawal processing, which is one aspect of amount transfer processing, is permitted. The amount moving unit 45 specifies the withdrawal amount included in the emergency withdrawal permission signal. The amount transfer unit 45 controls the discharge of money corresponding to the withdrawal amount from among the money stored in the ATM 1 (step S111). Thereby, the ATM 1 discharges money corresponding to the withdrawal amount from the money discharge port 16. The user can take out the ejected coins.

According to the above process, when a user using ATM 1 suddenly needs money, he or she can easily receive money using ATM 1 even if he or she does not have an IC card or the like. can.

The amount moving unit 45 detects that the money has been completely discharged. Then, the amount moving unit 45 outputs a discharge completion signal including the destination address of the parent's mobile terminal 3 read from the emergency withdrawal permission signal to the image transmitting unit 46 and the status information transmitting unit 47. Upon acquiring the ejection completion signal, the image transmitter 46 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 46 acquires the image acquired by the photographing unit 43 from the camera 51. The image transmitter 46 transmits the acquired image to the destination address of the parent's mobile terminal 3 (step S112). Note that 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 withdrawal service. However, these images may be acquired sequentially. The plurality of images may then be output to the image transmitter 46. The image transmitter 46 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 withdrawal service and the surrounding situation by looking at the image.

Upon acquiring the discharge completion signal from the amount transfer unit 45, the status information transmitter 47 reads the destination address of the parent's mobile terminal 3 from the discharge completion signal. The status information transmitting unit 47 also reads the address where the ATM 1 is installed and the name of the convenience store where the ATM 1 is installed, which are recorded in advance in the storage unit of the ATM 1. Further, the status information transmitting unit 47 detects the time when the discharging of the coins is completed. Further, the status information transmitting unit 47 acquires the withdrawal amount withdrawn by the user in the emergency withdrawal service from the amount transfer unit 45. The status information transmitting unit 47 generates status information including the address where the ATM 1 is installed, the store name, withdrawal amount information, and the completion time of money discharging. This status information indicates the current status information (where, when, and how much money was withdrawn) of the child who is the second user who operated the amount transfer process after performing the amount transfer process related to the withdrawal of amount information. It is information. The status information transmitter 47 transmits the status information to the destination address of the child's parent's mobile terminal 3 using the ATM 1 (step S113). This allows parents to know where, when and how much money their child has withdrawn.

In the above-mentioned process, a case has been described in which the ATM 1 and the server device 2 cooperate to provide the emergency withdrawal service to the user. Deposit services, emergency transfer services, etc. may also be provided. In this case, the user presses the emergency deposit service or emergency transfer service button on the main screen output to the main display 11 of the ATM 1. Then, through similar processing, the UI unit 42 of the ATM 1 outputs an emergency deposit service screen or an emergency transfer service screen. When the user inputs the deposit amount or the transfer amount and transfer destination on the emergency deposit service screen or the emergency transfer service screen, the amount transfer unit 45 of the ATM 1 sends an emergency deposit control signal containing the input information. and transmits an emergency transfer control signal to the server device 2. The server device 2 transmits an emergency deposit permission signal and an emergency transfer permission signal to the ATM 1, similar to the process with the emergency withdrawal service. At this time, the server device 2 processes deposits and transfers based on the deposit limit of the user (child) using the ATM 1. In other words, when making a deposit, the deposit amount is added to the amount in the deposit limit, and when making a transfer, the transfer amount is subtracted from the amount in the deposit limit, and the amount is transferred to the transfer destination. When these processes are completed, the image transmitting unit 46 of the ATM 1 transmits the user's (child) image to the parent's mobile terminal 3, and the status information transmitting unit 47 transmits the user's (child) status information to the parent's mobile terminal 3. Send to mobile terminal 3.

<Second embodiment>
FIG. 7 is a diagram showing an ATM processing flow according to the second embodiment.
In the above-described process, the ATM 1 discharges money when receiving the emergency withdrawal permission signal from the server device 2. However, instead of discharging money, the ATM 1 may transmit electronic money information to an electronic money recording medium such as a terminal carried by the user (child) or an NFC card. In this case, the AMT 1 similarly processes steps S101 to S110 and receives the emergency withdrawal permission signal. The amount transfer unit 45 of the ATM 1 generates an electronic money transmission signal containing information on the amount to be withdrawn instead of controlling the withdrawal of money. The amount transfer unit 45 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. It is output to the display 11 (step S201).

The user visually recognizes the electronic money transmission notification image. The user holds the electronic money recording medium over the NFC antenna 12. The amount transfer unit 45 controls the NFC antenna 12 to establish a communication connection with the electronic money recording medium, and issues an instruction to transmit an electronic money transmission signal (step S202). The NFC antenna 12 communicates with the electronic money recording medium under the control of the amount transfer unit 45 and transmits an electronic money transmission signal. The electronic money recording medium receives the electronic money transmission signal. The electronic money recording medium reads the withdrawal amount information from the electronic money transmission signal, totals the amount information recorded in the memory and the withdrawal amount, and adds the amount information recorded in the memory to the new total withdrawal amount. Update to later amount information. The electronic money recording medium transmits the new post-withdrawal amount information updated in the memory to the NFC antenna 12 of the AMT 1. The ATM 1 receives information on the amount of money after withdrawal from the electronic money recording medium (step S203).

The amount transfer unit 45 of the ATM 1 detects that the electronic money withdrawal process is completed by receiving the amount information after withdrawal from the electronic money recording medium. Then, the amount transfer unit 45 outputs a withdrawal completion signal including the destination address of the parent's mobile terminal 3 read from the emergency withdrawal permission signal to the image transmission unit 46 and the status information transmission unit 47. The image transmitter 46 acquires the destination address of the parent's mobile terminal 3. The image transmitting unit 46 also acquires the image that the photographing unit 43 acquired from the camera 51. The image transmitter 46 transmits the image to the destination address of the parent's mobile terminal 3, similarly to step S112. This image may be a moving image as described in the first embodiment.

Further, the amount moving unit 45 outputs amount information after the electronic money recording medium is withdrawn to the status information transmitting unit 47. As a result, the status information transmitter 47 generates status information that includes, in addition to the information stored in the status information described in the first embodiment, post-withdrawal amount information stored in the electronic money recording medium of the user who used the ATM 1. do. Then, the status information transmitting unit 47 transmits status information including amount information after withdrawal stored in the electronic money recording medium of the user who used the ATM 1 to the mobile terminal 3 of the user's parent. This allows the parent to recognize the amount of money that the child has stored in the electronic money recording medium after withdrawal. The status information is information indicating at least the status of the second user (child) regarding the amount transfer process (the amount of money held).

<Third embodiment>
The ATM system 100 may restrict implementation of emergency withdrawal services. For example, the amount transfer unit 45 of the ATM 1 further transmits an emergency withdrawal control signal including the identification number of the ATM 1 to the server device 2 in step S109 described above. That is, the emergency withdrawal control signal includes the first account number, the second account number, the withdrawal amount included in the emergency withdrawal request, and the identification number of the ATM 1. When the server device 2 receives the emergency withdrawal control signal, it reads the identification number of the ATM 1 included in the signal. The server device 2 identifies information on the service usage area from among 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 detects installation position information stored in advance in association with the identification number of the ATM 1. The server device 2 determines whether the installation location information of the ATM 1 is included in the service usage area. If the installation location information of the ATM 1 is included in the service usage area, the server device 2 generates an emergency withdrawal permission signal and transmits it to the ATM 1. The ATM 1 thereafter performs the processing of the first embodiment or the second embodiment after step S110.

If the installation location information of the ATM 1 is not included in the service usage area, the server device 2 generates an emergency withdrawal rejection signal and transmits it to the ATM 1. When the control unit 41 of the ATM 1 receives the emergency withdrawal rejection signal, it stops processing the emergency withdrawal service. The control unit 41 instructs the UI unit 42 to stop processing. The UI unit 42 outputs a processing stop screen for the emergency withdrawal service to the main display 11.

According to the above process, the parent can restrict the areas where the child can use the emergency withdrawal service.

The server device 2 may restrict usage based on the conditions under which the parent receives the child's emergency withdrawal service based on other information included in the service provision conditions. For example, the server device 2 receives the emergency withdrawal control signal based on the process of the amount transfer unit 45 of the ATM 1 in step S109 described above. The server device 2 acquires the first account number, second account number, and withdrawal amount included in the emergency withdrawal control signal. The server device 2 reads the upper limit amount of money transfer from among the service provision conditions recorded in the user management table in association with the first account and the second account. In addition to the processing performed in other embodiments, the server device 2 determines whether the withdrawal amount is less than or equal to the upper limit transfer amount. When the withdrawal amount is less than or equal to the upper limit transfer amount, the server device 2 generates an emergency withdrawal permission signal and transmits it to the ATM 1.

According to the above process, the parent can specify the upper limit of the amount that the child can withdraw using the emergency withdrawal service.

The server device 2 may limit the time during which the child can use the emergency withdrawal service based on the service usage time included in the service provision conditions. In this case, the server device 2 receives the emergency withdrawal control signal based on the process of the amount transfer unit 45 of the ATM 1 in step S109 described above. The server device 2 identifies the time when the emergency withdrawal control signal is received. The server device 2 reads the service usage time from among the service provision conditions recorded in the user management table in association with the first account and the second account. In addition to the processing performed in other embodiments, the server device 2 generates an emergency withdrawal permission signal and transmits it to the ATM 1 if the time when the emergency withdrawal control signal is received is included in the service usage time.

According to the above process, the parent can restrict the timing of the child's withdrawal using the emergency withdrawal service.

<Fourth embodiment>
FIG. 8 is a diagram showing the processing flow of the ATM system according to the fourth embodiment.
In the processes of the first to third embodiments described above, if the authentication is successful, the amount information is recorded in the deposit limit for the child linked to the parent's first account in advance based on the parent's settings. The child can freely withdraw the specified withdrawal amount. However, when a child uses the emergency withdrawal service, it may be possible to receive the service only if the child receives permission from the parent.

In this case, the ATM 1 performs steps S101 to S109 in the same manner as in the first embodiment. When the server device 2 receives the emergency withdrawal control signal, it reads the first account number, second account number, and withdrawal 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. When the emergency service permission flag is ON, 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 a withdrawal permission request including the withdrawal amount to the destination address of the mobile terminal 3 (step S401). When the identification number of the ATM 1 is included in the emergency withdrawal control signal, the server device 2 may detect the installation location information and store name of the ATM 1, and transmit a withdrawal permission request containing such information.

The parent's mobile terminal 3 receives the withdrawal permission request. The mobile terminal 3 outputs a permission request screen on the display that displays the withdrawal amount included in the withdrawal permission request and also displays a button for the parent to instruct permission or refusal of the withdrawal (step S402). Furthermore, the mobile terminal 3 may detect the installation location information of the ATM 1 and the store name included in the withdrawal permission request, and display a permission request screen containing such information on the display. The parent checks the permission request screen and presses the withdrawal permission or withdrawal refusal button. This allows the parent to permit or deny the use of the emergency withdrawal service requested by the child. The mobile terminal 3 transmits a withdrawal permission signal to the server device 2 when the withdrawal permission button is pressed. The mobile terminal 3 transmits a withdrawal rejection signal to the server device 2 when the withdrawal rejection button is pressed. When the server device 2 receives the withdrawal permission signal from the parent's mobile terminal 3, it determines to permit the emergency withdrawal service for the user using the ATM 1, and transmits the withdrawal permission signal to the ATM 1 (step S403). On the other hand, when the server device 2 receives the withdrawal refusal signal from the parent's mobile terminal 3, it determines to refuse the emergency withdrawal service for the user using the ATM 1, and transmits the withdrawal refusal signal to the ATM 1.

When the ATM 1 receives the withdrawal permission signal, it performs the processing from step S110 onwards. Further, when the ATM 1 receives a withdrawal refusal signal, it stops processing the emergency withdrawal service.

According to the above process, the parent can detect that the child will receive the emergency withdrawal service, and can freely instruct the child to permit or deny the service, depending on the situation at the time.

In the fourth embodiment, the amount transfer unit 45 uses the biometric information of the second user (child) linked to the first user (parent) who opened the first account and the second user (child) who instructed the amount transfer process. The second user linked to the first account based on the success of authentication based on the matching state with the biometric information read from the second user (child) and the first user's (parent) permission for the second user's (child) amount transfer process. This is an example of a processing mode for implementing an amount transfer process regarding amount information recorded as a (child) deposit limit.

<Fifth embodiment>
FIG. 9 is a diagram showing the processing flow of the ATM system according to the fifth embodiment.
In each of the above-described embodiments, the communication unit 28 of the ATM 1 may establish a communication connection between the parent's mobile terminal 3 and a telephone function installed in the ATM 1 to assist communication between the parent and the child. If a user using the ATM 1 encounters any problem while operating the above-mentioned emergency withdrawal service of the ATM 1, the user picks up the handset of the telephone function installed in the ATM 1. Alternatively, the user presses the contact button displayed on the emergency withdrawal service screen and picks up the telephone receiver.

Then, the communication unit 48 of the ATM 1 detects that the telephone receiver is picked up or that the contact button is pressed (step S501). When the handset is picked up or after the contact button is pressed, the communication unit 48 sends a communication request including the facial feature information sent in step S105 to the server device 2 (step S502). The server device 2 identifies facial feature information included in the communication request, and determines whether the feature information is included in the user management table based on the feature information. When the user management table includes facial feature information of the user, the server device 2 identifies the parent's first account number linked to the feature information. The server device 2 also specifies the phone number of the parent's mobile terminal 3 that is linked to the first account number. The server device 2 transmits the parent's telephone number to the ATM 1 (step S503).

The communication unit 48 of the ATM 1 acquires the telephone number. The communication unit 48 of the ATM 1 makes a call to the parent's phone number (step S504). Thereby, the parent receives the call on the mobile terminal 3 (step S505). The communication unit 48 and the mobile terminal 3 perform call processing between the parent's mobile terminal 3 and the telephone function of the ATM 1 (step S506). The parent and child can talk over the phone using the mobile terminal 3 and the telephone function installed in the ATM 1.

Note that the AMT 1 outputs a communication screen to the main display 11 based on the processing of the communication unit 48 and the UI unit 42, and displays images such as stamp images and icon images selected on the communication screen on the parent's mobile terminal. 3 or received from the parent's mobile terminal 3, and a function of receiving and displaying the images, and a function of transmitting and receiving messages and outputting them to the main display.

<Other embodiments>
In addition to the above-mentioned processing, the status information transmitting unit 47 of the ATM 1 transmits the electronic money usage history, electronic money amount update history (charging history), product purchase history, etc. recorded in the user's electronic money recording medium. The information may be acquired, stored in state information, and transmitted to the server device 2. In this case, the status information transmitter 47 reads the destination address of the parent's mobile terminal 3 from the ejection completion signal or the withdrawal completion signal. The status information transmitting unit 47 generates status information including information such as the usage history of electronic money, the update history of the amount of electronic money (charging history), and the purchase history of products, and transmits the status information to the mobile terminal of the child's parent who used the ATM 1. Send to destination address 3. This allows parents to understand their child's electronic money usage history and product purchase behavior.

The embodiments of the present invention have been described above, and according to the above-described process, a parent, such as a child who is located far away and suddenly needs money, can receive money from a device or card. Money can be easily transferred using the ATM 1 without having to hold it. Furthermore, if the child suddenly needs money, he or she can withdraw money using the ATM1.

FIG. 10 is a first diagram showing the minimum configuration of an ATM.
FIG. 11 is a first diagram showing the processing flow of an ATM with a minimum configuration.
The ATM 1 may include at least an amount transfer unit 45 and an image transmission unit 46.
In this case, the amount transfer unit 45 of the ATM 1 reads the biometric information of the second user (child) linked to the first user (parent) who opened the first account and the second user (child) who instructed the amount transfer process. If the authentication based on the matching state with the biological information obtained is successful, an amount transfer process is performed regarding the amount information recorded as the deposit limit of the second user (child) linked to the first account (step S601).
The image transmitting unit 46 of the ATM 1 also transmits the photographed image of the second user (child) taken when performing the amount transfer process to the transmission destination related to the first user (parent) (step S602).

FIG. 12 is a second diagram showing the minimum configuration of an ATM.
FIG. 13 is a second diagram showing the processing flow of the ATM with the minimum configuration.
The ATM 1 may include at least an amount transfer unit 45.
In this case, the amount transfer unit 45 of the ATM 1 reads the biometric information of the second user (child) linked to the first user (parent) who opened the first account and the second user (child) who instructed the amount transfer process. The second user (child) linked to the first account based on the successful authentication based on the matching state with the biometric information and the first user's (parent) permission for the second user's (child) amount transfer process. ) is executed to transfer the amount of money information recorded as the deposit limit (step S701).

In the above process, 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 above description, a case has been described in which each process is performed between the ATM 1 and the server device 2, but a terminal device different from the ATM 1 may perform the same process as the ATM 1 described above. 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 11... Main display 12... NFC antenna 14... Code reader 16... Money outlet 17... Card slot 18... Receipt outlet 91... Horizontal Pedestal section 10...Control device 41...Control section 42...UI section 43...Photography section 44...Authentication section 45...Amount transfer section 46...Image transmission section 47... Status information transmitting unit 48...communication unit

Claims (12)

The facial feature information of the second user linked to the first user who opened the first account, and the instruction for the amount transfer process from the second user who pressed a predetermined button displayed on the display and instructed the amount transfer process. Authentication is performed based on a match between the previously read facial feature information and the facial feature information read by photographing the second user approaching the automated teller machine using a camera , and the authentication is successful. an amount transfer unit that performs the amount transfer process regarding amount information recorded as a deposit limit of the second user that is linked to the facial feature information and the first account;
an image transmitting unit that transmits a photographed image of the second user taken when performing the amount transfer process to a destination related to the first user;
Automatic teller machine equipped with The amount transfer unit specifies a deposit limit of the second user based on the facial feature information of the second user, and if the amount transfer process regarding the amount information recorded as the specified deposit limit is permitted. The automatic teller machine according to claim 1, wherein the amount transfer process is performed based on success of authentication based on at least a matching state of the facial feature information . The automatic teller machine according to claim 1, wherein the amount transfer unit executes the amount transfer process based on the first user's permission for amount information specified by the second user regarding the amount transfer process. The automatic teller machine according to any one of claims 1 to 3, wherein the amount transfer unit executes the amount transfer process regarding withdrawal of specified amount information from the amount information. a status information transmitting unit that transmits status information of a second user regarding the amount transfer process to the destination of the first user after implementing the amount transfer process regarding the withdrawal of the amount information;
The automatic teller machine according to any one of claims 1 to 4. The automatic teller machine according to claim 5, wherein the state information is amount information after the amount transfer process that is stored in a recording medium owned by the second user. The amount transfer unit executes the amount transfer process when the regional information recorded in association with at least one of the first user and the second user does not include information regarding the installation location of the own device. The automatic teller machine according to any one of claims 1 to 6, wherein the automatic teller machine stops. a communication unit that communicatively connects a transmission destination device related to the first user and the second user, and assists communication between the first user and the second user;
The automatic teller machine according to any one of claims 1 to 7, comprising: The facial feature information of the second user linked to the first user who opened the first account, and the instruction for the amount transfer process from the second user who pressed a predetermined button displayed on the display and instructed the amount transfer process. Authentication is performed based on a match state between the previously read facial feature information and the facial feature information read by photographing the second user who approached in front of the automatic teller machine using a camera , and the authentication is determined to be successful. , regarding amount information recorded as the second user's deposit limit linked to the facial feature information and the first account, based on the first user's permission for the second user's amount transfer process. an amount transfer unit that performs the amount transfer process;
Automatic teller machine equipped with The facial feature information of the second user linked to the first user who opened the first account, and the instruction for the amount transfer process from the second user who pressed a predetermined button displayed on the display and instructed the amount transfer process. Authentication is performed based on a match between the previously read facial feature information and the facial feature information read by photographing the second user approaching the automated teller machine using a camera , and the authentication is successful. an amount transfer unit that performs the amount transfer process regarding amount information recorded as a deposit limit of the second user that is linked to the facial feature information and the first account;
an image transmitting unit that transmits a photographed image of the second user taken when performing the amount transfer process to a destination related to the first user;
A terminal device equipped with. The automatic teller machine is
The facial feature information of the second user linked to the first user who opened the first account, and the instruction for the amount transfer process from the second user who pressed a predetermined button displayed on the display and instructed the amount transfer process. Authentication is performed based on a match between the previously read facial feature information and the facial feature information read by photographing the second user approaching the automated teller machine using a camera , and the authentication is successful. In this case, carrying out the amount transfer process regarding amount information recorded as a deposit limit of the second user that is linked to the facial feature information and the first account,
A processing method comprising: transmitting a photographed image of the second user taken when performing the amount transfer process to a destination related to the first user. automatic teller machine computer,
The facial feature information of the second user linked to the first user who opened the first account, and the instruction for the amount transfer process from the second user who pressed a predetermined button displayed on the display and instructed the amount transfer process. Authentication is performed based on a match between the previously read facial feature information and the facial feature information read by photographing the second user approaching the automated teller machine using a camera , and the authentication is successful. an amount transfer unit that performs the amount transfer process regarding amount information recorded as a deposit limit of the second user that is linked to the facial feature information and the first account;
image transmitting means for transmitting a photographed image of the second user taken when performing the amount transfer process to a destination related to the first user;
A program that functions as

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