WO2016063572A1

WO2016063572A1 - Transaction device and transaction system

Info

Publication number: WO2016063572A1
Application number: PCT/JP2015/067795
Authority: WO
Inventors: 足立　章
Original assignee: 沖電気工業株式会社
Priority date: 2014-10-24
Filing date: 2015-06-19
Publication date: 2016-04-28
Also published as: JP2016085583A; JP6413626B2

Abstract

　Provided is a transaction device for carrying out a cash withdrawal transaction on the basis of inputted transaction information. This transaction device is equipped with a transaction control unit (21) that, in the event that an inputted cash withdrawal amount exceeds a prescribed limit amount, performs a cash withdrawal process on the basis of a cash withdrawal command from a connected operator terminal (3). The transaction device is further equipped with a connection control unit that, in the event that an inputted cash withdrawal amount exceeds a prescribed limit amount, performs a connection process to the operator terminal (3), which is capable of voice and video communication. Optionally, the transaction control unit (21) may perform a cash withdrawal process on the basis of a cash withdrawal command acquired from the operator terminal (3) through the connection processing unit.

Description

Transaction apparatus and transaction system

The present disclosure relates to a transaction apparatus and a transaction system, and can be applied to, for example, a transaction apparatus and a transaction system installed in a financial institution store, a station, a convenience store, or the like.

Along with the development of network security in recent years, automatic transaction devices (ATM: Automatic Teller Machine) are connected to a host server or a management server (hereinafter referred to as a host server) through the network to exchange transaction information. Yes. And when it receives consent from the host server etc. of transaction information, the automatic transaction apparatus is performing transactions, such as withdrawing cash.

For example, the host server or the like manages the customer's transaction limit, and when a transaction with an amount exceeding the customer's transaction limit is performed, the host server or the like notifies the automatic transaction apparatus that the transaction limit is exceeded, The automatic transaction device notifies the customer that the transaction is not possible. (For example, Japanese Patent Publication No. 3-051030, Japanese Patent Laid-Open No. 7-325978)

When the above automatic transaction device is notified by the host server that transactions cannot be performed, the automatic transaction device performs a response such as displaying a message indicating that transactions cannot be performed, but transactions can be made without taking sufficient communication with the customer. It has been terminated.

Therefore, it is strongly desired to execute transactions while sufficiently communicating with customers who use automatic transaction devices.

In view of the above problems, the present disclosure provides a transaction apparatus, a transaction system, and a transaction program capable of proceeding with a transaction while sufficiently communicating with a customer.

In order to solve the above-described problem, the transaction apparatus according to the first aspect is a transaction apparatus that performs a withdrawal transaction based on the input transaction information. When the input withdrawal amount exceeds a predetermined limit amount, A transaction control unit is provided for performing a withdrawal process based on a withdrawal instruction from the connected operator terminal.

The transaction system according to the second aspect includes an operator terminal and a transaction apparatus according to the first aspect that performs a withdrawal transaction based on the input transaction information.

According to the present disclosure, it is possible to proceed with a withdrawal transaction while sufficiently communicating with the customer.

It is an internal block diagram which shows the internal structure of ATM which concerns on 1st Embodiment. It is a lineblock diagram showing the whole transaction system composition concerning a 1st embodiment. It is an external appearance block diagram which shows the external appearance structure of ATM which concerns on 1st Embodiment. It is a flowchart which shows the flow of processing operation | movement of the payment transaction in the transaction system which concerns on 1st Embodiment. It is an internal block diagram which shows the internal structure of ATM which concerns on 2nd Embodiment. It is a flowchart which shows the flow of processing operation | movement of the payment transaction in the transaction system which concerns on 2nd Embodiment. It is a lineblock diagram showing the whole transaction system composition concerning a 3rd embodiment. It is an internal block diagram which shows the internal structure of ATM which concerns on 3rd Embodiment. It is a flowchart which shows the flow of processing operation | movement of the payment transaction in the transaction system which concerns on 3rd Embodiment (the 1). It is a flowchart which shows the flow of processing operation | movement of the payment transaction in the transaction system which concerns on 1st Embodiment (the 2). It is a screen figure which shows an example of the customer approval screen which concerns on 1st Embodiment. It is a screen figure which shows an example of the customer approval screen which concerns on 2nd Embodiment. It is a screen figure which shows an example of the withdrawal amount re-input screen which concerns on 2nd Embodiment. It is a screen figure which shows an example of the security key display screen which concerns on 3rd Embodiment.

(A) 1st Embodiment Below, embodiment of the transaction apparatus and transaction system of this invention is described in detail, referring drawings.

This embodiment exemplifies a case where the present disclosure is applied to, for example, a transaction system having an automatic transaction apparatus (ATM), a financial institution host server, and an operator terminal.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration of Transaction System FIG. 2 is a configuration diagram showing the overall configuration of the transaction system according to the first embodiment. In FIG. 2, the transaction system 5 according to this embodiment includes an automatic transaction apparatus (ATM) 1, a financial institution host server 2, and an operator terminal 3 that can be connected to a communication line 4.

The communication line 4 is a communication line for transferring information between the ATM 1 and the financial institution host server 2 or between the ATM 1 and the operator terminal 3. The protocol of the communication line 4 is a communication line in which network security is ensured, and for example, a unique dedicated protocol for each financial institution, TCP / IP (Internet Protocol), or the like can be applied.

ATM1 is installed in, for example, financial institutions, airports, stations, convenience stores, etc., and performs various transaction processes by customer operations. The ATM 1 transmits transaction information including the transaction type and transaction content information input by the customer operation to the financial institution host server 2 or receives transaction execution information executed by the financial institution host server 2.

Transaction types that ATM1 can handle include, for example, deposit transactions and withdrawal transactions. The deposit transaction is a transaction for depositing cash received from a customer, and includes, for example, a deposit transaction for depositing cash and a transfer transaction for depositing cash into a predetermined account. The withdrawal transaction is a transaction for paying cash to a customer, and includes, for example, a withdrawal transaction for withdrawing cash from an account.

The financial institution host server 2 is a host server of a basic system of a financial institution. In this embodiment, the financial institution host server 2 is used, but any server that can determine whether or not the customer's daily transaction limit is exceeded may be used. For example, a server that determines whether or not a transaction can be executed may be interposed between the ATM 1 and the financial institution host server 2.

The financial institution host server 2 executes a transaction based on the transaction information received from the ATM 1 via the communication line 4 and manages the completed transaction information. The financial institution host server 2 manages, for example, a customer's transaction limit (for example, a limit that can be withdrawn in one day, a limit that can be withdrawn in one transaction, etc.) linked to an account number, etc. is doing. Based on the transaction information acquired from the ATM 1, the financial institution host server 2 notifies the ATM that the current transaction is not possible when the current transaction amount exceeds the transaction limit of the customer.

The operator terminal 3 is provided, for example, in the video window center 30 or the like, and performs image communication (video communication) with a customer who uses the ATM 1. Thereby, communication can be performed by performing video communication in real time between a customer who uses ATM1 and an operator. The operator terminal 3 can remotely control the ATM 1 in response to an operator operation. For example, the operator terminal 3 transmits predetermined screen data to the ATM 1 to display it on the operation display unit 1 of the ATM 1 or receives customer approval even when the withdrawal amount exceeds a predetermined limit. , It is possible to issue a withdrawal instruction to ATM1.

The video window center 30 is also called, for example, a video teller center (VTC) provided in a network operated by a financial institution. The operator terminal 3 is also called an image communication device or a VTC device.

(A-1-2) Detailed Configuration of ATM FIG. 3 is an external configuration diagram showing an external configuration of ATM 1 according to the first embodiment. In FIG. 3, ATM1 which concerns on this embodiment has the operation display part 11, the banknote depositing / withdrawing port 12, the coin depositing / withdrawing port 13, the bankbook entrance / exit 14, the card entrance / exit 15, the imaging part 16, and the handset 17.

The operation display unit 11 displays, for example, a transaction type selection menu screen, an operation screen for each transaction type, a transaction content confirmation screen, and the like, and takes in input information input by a customer. For example, a touch panel type operation display unit can be applied to the operation display unit 12. The operation display unit 12 is not limited to the touch panel system in which the operation unit and the display unit are integrated, and the operation unit and the display unit may be physically different from each other.

The banknote deposit / withdrawal port 12 accepts banknotes inserted by customers or discharges banknotes.

The coin deposit / withdrawal port 13 accepts coins input by customers or discharges coins.

The bankbook entry / exit port 14 accepts a bankbook inserted by the customer or discharges the bankbook.

The card entry / exit 15 accepts a cash card inserted by the customer or discharges the cash card.

The imaging unit 16 is a camera that images customers. In this embodiment, although the case where the imaging part 16 is mounted in the inside of ATM1 is illustrated, you may be provided in the vicinity of ATM1. A plurality of imaging units 16 may be provided, and all or any of the images captured by the plurality of imaging units 16 may be transmitted to the operator terminal 3.

The handset 17 is used to make a call with the operator of the video window center 30.

FIG. 1 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the first embodiment. The ATM 1 includes, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 1 functionally shows the internal configuration of the ATM 1.

In FIG. 1, ATM1 is transaction control part 21, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, and imaging control part. 29.

The transaction control unit 21 is a processing unit or device that controls the overall function of the ATM 1. The transaction control unit 21 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, and the like, and various functions of the ATM 1 are realized by the CPU executing a processing program stored in the ROM. Moreover, the function of ATM1 may be constructed by installing the processing program. Even in this case, the function can be shown in FIG.

The transaction control unit 21 includes a transaction processing unit 211 and an image communication connection request unit 212.

The transaction processing unit 211 performs the transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation.

For example, in the case of deposit processing, the transaction processing unit 211 accepts the input of cash to be deposited, counts the inserted cash, and causes the customer to confirm the deposit amount. When confirmation by the customer is made, the transaction processing unit 211 notifies the financial institution host server 2 of transaction information including the deposit amount. Then, upon receiving the approval from the financial institution host server 2, the ATM 1 stores the inserted cash and ends the deposit transaction.

Also, for example, in the case of a withdrawal process, the transaction processing unit 211 transmits transaction information including the input withdrawal amount to the financial institution host server 2. When the financial institution host server 2 accepts the withdrawal based on the transaction information, the ATM 1 withdraws the cash stored in the ATM 1 and ends the withdrawal transaction.

Note that the transaction processing unit 211 of the transaction control unit 21 is in the middle of a transaction, and when the call connection is made with the operator terminal 3 by the image communication control unit 22, the current transaction is continued while the call connection is continued. Do not exit.

In the related technology, for example, when receiving a notification from the financial host server 2 that the transaction exceeds the transaction limit, the transaction is terminated after displaying a predetermined display screen on the operation display unit 11. However, in the case of this embodiment, even if the financial host server 2 receives a notification that the transaction exceeds the daily transaction limit, the transaction is not terminated because the connection with the operator terminal 3 is made. .

When the transaction processing unit 211 receives a notification from the financial institution host server 2 that the transaction is an amount exceeding the transaction limit, the image communication connection requesting unit 212 connects to the operator terminal 3 to connect to the image communication control unit 22. Is to make an image communication connection request.

When the image communication control unit 22 acquires the image communication connection request from the transaction control unit 21, the image communication control unit 22 requests a call connection to the operator terminal 3 and performs image and information communication processing with the image communication control unit 22. Do. Various methods can be widely applied to call control between the image communication control unit 22 and the operator terminal 3, for example, SIP (Session Initiation Protocol) or H.264. The image communication control unit 22 connects a call with the operator terminal 3 using a communication protocol such as H.323. As the call control method, an existing method can be applied, and a detailed description thereof is omitted here.

The image communication control unit 22 performs video communication with the operator terminal 3 after establishing a call with the operator terminal 3. The image communication control unit 22 forms a packet based on the image signal picked up by the image pickup unit 16 of the ATM 1 and the audio signal from the handset 17 and transmits the packet to the operator terminal 3 or receives the packet received from the operator terminal 3. The included image signal is displayed on the operation display unit 11, and the voice included in the received packet is output to the handset 17.

The storage unit 23 is a processing program executed by the transaction control unit 21 or the image communication control unit 22, various information necessary for information processing, a display screen displayed on the operation display unit 11 (even if a still image or a moving image is included). Good.) Etc. The storage unit 23 is used as secondary storage means by the control unit 21, and for example, a nonvolatile storage device such as a flash memory, a hard disk (HDD), a storage medium (for example, a CD-R) can be applied.

The communication unit 24 is a network interface for communicating information between the financial institution host server 2 and the operator terminal 3. The communication unit 24 receives screen data and withdrawal instruction data transmitted from the operator terminal 3 and gives the received data to the transaction control unit 21. Thereby, the screen data received by the remote operation from the operator terminal 3 can be displayed on the operation display unit 11 or the withdrawal process can be executed based on the withdrawal instruction from the operator terminal 3.

The operation display control unit 25 controls the user interface function of ATM1. Specifically, the operation display control unit 25 presents an operation screen to the user using, for example, the touch panel type operation display unit 11, outputs information to the user, accepts an operation from the user (menu selection, transaction Type input, money amount input, number input, etc.) or a screen (an operator image, a specific input screen, etc.) acquired from the operator terminal 3 of the video window center 30 is displayed.

The card mechanism unit 26 gives the data stored in the data storage unit of a card (for example, a cash card, a credit card, etc.) inserted from the card entrance / exit 15 to the transaction control unit 21 or writes data to the card Or do.

The passbook mechanism unit 27 performs data reading, data writing, passbook entry processing, etc. of the data storage unit such as the magnetic stripe of the passbook inserted into the passbook entry / exit 14.

The cash mechanism unit 28 has a function of storing the received money (banknotes and / or coins) and a function of withdrawing the stored money to the user. In this embodiment, the cash mechanism unit 27 deposits / withdraws banknotes from the banknote deposit / withdrawal port 12 and deposits / withdraws coins from the coin deposit / withdrawal port 13.

The imaging control unit 29 controls the operation of the imaging unit 16. After the image communication control unit 22 establishes a call with the operator terminal 3, the imaging control unit 29 sets the imaging operation of the imaging unit 16 to ON and images a customer who uses the ATM 1. The image picked up by the image pickup unit 16 is transmitted to the opposing operator terminal 3.

(A-2) Operation of the First Embodiment FIG. 4 is a flowchart showing the flow of processing operation of the withdrawal transaction in the transaction system 5 according to the first embodiment.

Here, when a customer conducts a withdrawal transaction at ATM1, a movement when a withdrawal amount is designated and a transaction amount exceeding the daily allowance limit of the customer is designated will be described.

First, a menu screen is displayed on the operation display unit 11 of the ATM 1, and a withdrawal transaction selection button is selected by the customer. In response to this, the transaction processing unit 211 of the transaction control unit 21 displays an operation screen for the withdrawal transaction on the operation display unit 11. The customer inserts a card, inputs a password, inputs a withdrawal amount, and selects a confirmation button (S101).

In ATM1, the transaction processing unit 211 starts communication with the financial institution host server 2 and transmits the acquired transaction information including card information, personal identification number, withdrawal amount, etc. to the financial institution host server 2 (S102). .

The financial institution host server 2 acquires transaction information (S103), confirms the daily transaction limit of the customer based on the received card information, and determines the transaction amount related to the current withdrawal transaction of the customer. It is confirmed whether or not the transaction limit is exceeded (S104). If the transaction amount does not exceed the daily transaction limit, the process proceeds to S105, and a normal withdrawal process is executed (S105).

On the other hand, if the transaction amount exceeds the daily transaction limit, the financial institution host server 2 notifies the ATM 1 that the transaction exceeds the daily transaction limit (S106). Then, in ATM1, the image communication connection request unit 212 of the transaction control unit 21 makes a connection request with the operator terminal 3 to the image communication control unit 22 (S107). In response to this, the image communication control unit 22 of the ATM 1 makes a connection request to the operator terminal 3 of the video window center 30, and between the image communication control unit 22 of the ATM 1 and the operator terminal 3 by a predetermined call connection process. Then, the call is established and connected (S107, S108). At this time, the ATM 1 may display on the operation display unit 11 a screen including guidance indicating that the transaction amount exceeds the daily transaction limit and whether the transaction may be terminated.

After the call is established, real-time online video communication starts between the ATM 1 and the operator terminal 3 of the video window center 30. That is, the customer and the operator can perform video communication. At this time, the operator explains that the transaction amount related to the current withdrawal transaction exceeds the daily transaction limit of the customer (S109). ).

ATM1 obtains approval from the customer (S110). For example, the customer approval screen 500 illustrated in FIG. 11 is displayed on the operation display unit 11 of ATM1. As illustrated in FIG. 11, for example, the transaction amount exceeds the customer's daily transaction limit. Do you want to withdraw the amount exceeding the current transaction limit? “Exit” button 501 for ending the transaction because the transaction amount exceeds the daily transaction limit, “Approve” button (confirmation button) 502 for approving withdrawal exceeding the transaction limit, etc. A screen containing is displayed.

If the customer's approval is not obtained and the customer ends the current transaction, the end button is selected by the customer operation, and the transaction control unit 21 of ATM1 ends the current transaction (S115).

On the other hand, when the operator determines that the withdrawal transaction may be continued through a call between the operator and the customer, the operator terminal 3 issues a withdrawal instruction to the ATM 1 in response to the operator's operation (S112). Upon receiving the withdrawal instruction, the transaction control unit 21 of ATM 1 has exceeded the daily transaction limit, but if the operator's approval is obtained, the transaction control unit 21 withdraws the transaction amount exceeding the transaction limit. Money is possible.

ATM1 treats it as a transaction with a withdrawal amount instructed to withdraw, and counts and dispenses banknotes (S113). Then, when the dispensed banknote is received by the customer (S114), the transaction ends (S115).

(A-3) Effects of the First Embodiment As described above, according to the first embodiment, the image communication device (VTC device) of the video window center and the ATM cooperate with each other, and one sunrise of the ATM. Withdrawal transactions exceeding the gold transaction limit can be realized. In particular, when it is determined that the ATM withdrawal amount is exceeded, a good service can be provided by automatically connecting the ATM to the VTC device.

(B) 2nd Embodiment Next, 2nd Embodiment of the transaction apparatus and transaction system which concern on this indication is described in detail, referring drawings.

This embodiment exemplifies a case where the present disclosure is applied to, for example, a transaction system having an automatic transaction apparatus (ATM) and a financial institution host server.

(B-1) Configuration of Second Embodiment The second embodiment is different from the first embodiment in the function processing of the transaction control unit of ATM. The overall configuration of the transaction system and the external configuration of ATM 1 are basically the same as those in the first embodiment. Therefore, also in 2nd Embodiment, it demonstrates using FIG.2 and FIG.3 which concern on 1st Embodiment.

FIG. 5 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the second embodiment. The ATM 1 is configured to include, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 5 functionally illustrates the internal configuration of the ATM 1.

In FIG. 5, ATM1 is transaction control part 21A, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, imaging control part. 29.

The image communication control unit 22, the storage unit 23, the communication unit 24, the operation display control unit 25, the card mechanism unit 26, the passbook mechanism unit 27, the cash mechanism unit 28, and the imaging control unit 29 are the same as or correspond to those in the first embodiment. Therefore, detailed description here is omitted.

The transaction control unit 21A is a processing unit or device that controls the overall function of the ATM 1, as in the first embodiment. The main functions of the transaction control unit 21A include a transaction processing unit 211, a remaining number management unit 213, and an image communication connection request unit 212.

Similarly to the first embodiment, the transaction processing unit 211 performs the transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation. .

The remaining number management unit 213 manages the number of banknotes stored in the ATM 1 cash storage cassette for each denomination. In the withdrawal transaction, the remaining number management unit 213 obtains the number of denominations to be withdrawn based on the transaction amount, and checks whether the number of denominations of the transaction amount is stored in the cash storage cassette.

The image communication connection request unit 212 controls the image communication control to connect with the operator terminal 3 when the number of denominations corresponding to the transaction amount to be withdrawn by the remaining number management unit 213 is not stored in the cash storage cassette. An image communication connection request is made to the unit 22. Thereby, when withdrawing money exceeding the number of denominations stored in the ATM 1, the call between the customer and the operator can be started by video communication.

(B-2) Operation of Second Embodiment FIG. 6 is a flowchart showing the flow of processing operation of a withdrawal transaction in the transaction system 5 according to the second embodiment.

Here, when a customer makes a withdrawal transaction at ATM1, a movement when the number of denominations related to the withdrawal amount is not stored in ATM1 will be described.

In ATM1, based on the input withdrawal amount, the remaining number management unit 213 determines whether or not the number of denominations related to withdrawal exceeds the number of denominations (remaining number) of cash currently stored in ATM1. Is determined (S201). If the number of denominations related to withdrawal does not exceed the current ATM1 denomination, the process proceeds to S105, and normal withdrawal processing is executed (S105).

On the other hand, when the number of denominations related to withdrawal exceeds the current ATM1 denomination, the image communication connection requesting unit 212 of the transaction control unit 21 sends an image communication control unit 22 to the operator terminal 3. A connection request is made (S107). In response to this, the image communication control unit 22 of the ATM 1 makes a connection request to the operator terminal 3 of the video window center 30, and between the image communication control unit 22 of the ATM 1 and the operator terminal 3 by a predetermined call connection process. The call is established (S107, S108).

After the call is established, real-time online video communication starts between the ATM 1 and the operator terminal 3 of the video window center 30. That is, the customer and the operator can perform video communication. At this time, the operator does not satisfy the customer request because the withdrawal request amount exceeds the remaining amount of cash stored in the current ATM 1. The fact that only the amount can be prepared will be described (S202).

ATM1 obtains approval from the customer (S110). For example, a customer approval screen 510 illustrated in FIG. 12 is displayed on the operation display unit 11 of ATM1. The customer approval screen 510 shown in FIG. 12 is displayed by video communication such as, for example, “The transaction amount exceeds the remaining amount in the ATM. Will you withdraw with the amount within the current remaining amount in the ATM?” “Expend” button 511 to terminate the transaction when the transaction amount exceeds the amount stored in the current ATM1 and the amount of money currently stored in ATM1 is approved. A screen including a “button” (confirmation button) 512 and the like is displayed. Moreover, you may make it display the shortage amount with respect to ATM remaining amount amount and transaction amount like the customer approval screen 510 illustrated in FIG. Furthermore, as illustrated in FIG. 12, in order to inform the customer of the number of denominations (amount) that can be traded, the number of denominations that can be traded in the current ATM 1 may be displayed for each denomination. .

On the other hand, when it is determined by the call between the operator and the customer that the withdrawal transaction can be continued with the amount currently stored in ATM1, upon receipt of the operator operation, the operator terminal 3 instructs the ATM1 to withdraw. (S112). The transaction control unit 21 of the ATM 1 that has received the withdrawal instruction can withdraw money with the amount stored in the current ATM 1 when approval by the operator is obtained.

ATM1 handles the transaction as a withdrawal amount instructed to withdraw, and counts banknotes (S113). At this time, when a withdrawal transaction is performed with the amount stored in the ATM 1, the amount initially input by the customer in the current withdrawal transaction and the amount to be actually withdrawn are different.

Therefore, for example, the withdrawal amount re-input screen 520 illustrated in FIG. 13 may be displayed on the operation display unit 11 of the ATM 1. As a result, the operation screen for the withdrawal transaction is displayed again, the customer is allowed to correct the withdrawal amount, and the transaction can be continued with the revised withdrawal amount. Specifically, as illustrated in FIG. 13, for example, a guidance display such as “The remaining amount in ATM is XX yen. Please enter the transaction amount again.” And “End” "Button 521 and a" confirm "button 522 that is selected after confirming the transaction amount after the transaction amount is entered. Then, the withdrawal with the amount specified in the remaining number of sheets (remaining amount) in the current ATM 1 is accepted. As a result, a new withdrawal transaction can be performed with the amount stored in the ATM 1.

Then, when the banknote withdrawn is received by the customer (S114), the transaction ends (S115).

(B-3) Effect of Second Embodiment As described above, according to the second embodiment, the image communication apparatus (VTC apparatus) and the ATM cooperate with each other, so that the cash is less than the customer request amount. If the customer approves and the banker approves, the withdrawal can be made. In particular, when it is determined that the number of cash in the ATM is less than the number requested by the customer, the ATM can automatically provide a good service by connecting to the VTC device.

(C) Third Embodiment Next, a third embodiment of the transaction apparatus and the transaction system according to the present disclosure will be described in detail with reference to the drawings.

In the third embodiment, when the transaction amount exceeds the transaction limit amount, or when the transaction amount exceeds the amount stored in the ATM 1, the ATM 1 displays a security key, and the customer's mobile terminal displays the video. Enable communication with the operator terminal of the counter center.

(C-1) Configuration of Third Embodiment FIG. 7 is a configuration diagram showing the overall configuration of a transaction system according to the third embodiment. In FIG. 7, the transaction system 5 according to the third embodiment includes an automatic transaction apparatus (ATM) 1, a financial institution host server 2, an operator terminal 3, and a mobile terminal 6 that can be connected to the communication line 4.

The mobile terminal 6 is a mobile terminal having a communication function possessed by a customer, and for example, a smartphone, a tablet terminal, a mobile phone or the like can be applied. When the transaction amount exceeds the transaction limit amount, or when the transaction amount exceeds the amount stored in the ATM 1, the ATM 1 displays a security key for connection with the operator terminal 3. The customer connects to the operator terminal 3 using the displayed security key, and the customer can communicate with the operator.

FIG. 8 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the third embodiment. The ATM 1 is configured to include, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 8 functionally illustrates the internal configuration of the ATM 1.

In FIG. 8, ATM1 is transaction control part 21B, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, imaging control part. 29.

The transaction control unit 21 </ b> B is a processing unit or device that controls the overall function of the ATM 1 as in the first and second embodiments. Main functions of the transaction control unit 21B include a transaction processing unit 211 and a security key display control unit 214.

The security key display control unit 214 is configured to display a security key for connecting to the operator terminal 3 when the transaction amount exceeds the transaction limit amount or when the transaction amount exceeds the amount stored in the ATM 1. 11 is displayed. Here, the security key is information necessary for connecting to the operator terminal 3. For example, the security key can be a character string including numbers and alphabets.

The security key display control unit 214 is a security key that uniquely identifies a transaction when the transaction amount exceeds the transaction limit amount or the number of sheets stored in the ATM 1 as in the first embodiment or the second embodiment. To display the security key.

(C-2) Operation of the Third Embodiment FIG. 9 and FIG. 10 are flowcharts showing the flow of the processing operation of the withdrawal transaction in the transaction system 5 according to the third embodiment.

The third embodiment can be applied to either the case where the transaction amount exceeds the transaction limit amount or the case where the transaction amount exceeds the amount stored in the ATM 1.

Here, an example of operation when the transaction amount exceeds the transaction limit when a customer makes a withdrawal transaction at ATM1 will be described.

On the other hand, if the transaction amount exceeds the daily transaction limit, the financial institution host server 2 notifies the ATM 1 that the transaction exceeds the daily transaction limit.

In ATM1, the security key display control unit 214 issues a security key and displays the security key on the operation display unit 11 (S301).

FIG. 14 is a screen diagram showing an example of a security key display screen according to the third embodiment. The security key display screen 530 illustrated in FIG. 14 is, for example, “The transaction amount exceeds the customer's daily transaction limit. Please contact the following contact information on the customer's mobile terminal.” As shown, the current transaction amount exceeds the transaction limit amount and the contact information is displayed. Further, the security key display screen 530 of FIG. 14 displays, for example, a telephone number, URL, etc. as connection destination information of the operator terminal 3. Furthermore, the security key display screen 530 of FIG. 14 displays a security key 534 for uniquely identifying the transaction of the customer, such as “security key: aaa 112bbbb”. As illustrated in FIG. 14, the security key display screen 530 may display code information 533 such as a two-dimensional code or a barcode including connection destination information of the operator terminal 3, for example. Thereby, the mobile terminal 6 can read the code information and access the operator terminal 6 by customer operation.

Then, the customer connects to the operator terminal 3 displayed on the display screen using his / her mobile terminal 6 (S302, S303), and inputs the security key displayed on the display screen (S304).

Here, the security key input process in S304 will be described. For example, when the mobile terminal 6 is connected to the operator terminal 3 through the Web, the display screen of the mobile terminal 6 is provided with a security key input field, and the security key is input into the security key input field. The operator terminal 3 verifies the input security key, and if it is valid, the operator terminal 3 and the portable terminal 6 may be connected.

Further, for example, the operator terminal 6 calls the telephone number displayed on the display screen, connects to the automatic voice response (IVR) system of the video counter center 30, and inputs the security key in the automatic voice response system. The operator terminal 3 verifies the input security key, and if it is valid, the operator terminal 3 and the portable terminal 6 may be connected.

In yet another example, the customer may call the video window center 30 with the mobile terminal 6 and verbally convey the security key to the operator during the conversation with the operator.

As described above, real-time online video communication is started between the portable terminal 6 and the operator terminal 3 of the video window center 30. That is, the customer and the operator can perform video communication. At this time, the operator explains that the transaction amount relating to the current withdrawal transaction exceeds the daily transaction limit of the customer (S305). ), ATM1 obtains approval from the customer (S110). For example, the customer approval screen 500 of FIG. 11 according to the first embodiment is displayed on the operation display unit 11 of ATM1.

If the customer's approval is not obtained and the customer ends the current transaction (S110), the end button is selected by the customer operation, and the transaction control unit 21 of ATM1 ends the current transaction (S115). .

(C-3) Effects of Third Embodiment As described above, for example, even when the ATM side device is old and does not have the Online Video function, if the customer desires, even when the withdrawal limit is over at the customer's mobile terminal. You can make money.

(D) Other Embodiments Although various modified embodiments have been described in the above-described embodiments, the present disclosure can also be applied to the following modified embodiments.

(D-1) In each of the above-described embodiments, the case where the present disclosure is applied to an ATM installed in a financial institution or the like is illustrated. However, the present disclosure can also be applied to a remote branch terminal device, an AUTOTELLER CASHIER for bank employees, and the like.

(D-2) In each of the above-described embodiments, when the withdrawal amount entered at the ATM exceeds the transaction limit amount or the balance of the cash stored in the ATM (remaining number), the ATM is in the video contact center. The case where it connects with an operator terminal was illustrated. However, the financial institution host server may notify the operator terminal of the video window center, and the operator terminal may make a call connection with the ATM. That is, the call connection from the ATM side to the operator terminal is not limited, and the call connection may be made from the operator terminal side to the ATM side.

(D-3) In the third embodiment described above, the case where the customer connects to the operator terminal using his / her mobile terminal even when the ATM is not compatible with online connection is exemplified. As described in the third embodiment, the customer may perform voice communication with the operator terminal using the portable terminal, or when the portable terminal is capable of video communication (image communication and voice communication). Alternatively, video communication with the operator terminal may be performed.

Claims

A transaction apparatus for performing a withdrawal transaction based on input transaction information,
A transaction control unit for performing a withdrawal process based on a withdrawal instruction from a connected operator terminal when the input withdrawal amount exceeds a predetermined limit amount;
A transaction apparatus comprising:
A connection control unit that performs connection processing with an operator terminal capable of performing voice image communication when the input withdrawal amount exceeds a predetermined limit amount;
The transaction control unit performs a withdrawal process based on a withdrawal instruction acquired from the operator terminal through the connection control unit.
The transaction apparatus according to claim 1.
The transaction apparatus according to claim 2, wherein the connection control unit executes connection processing with the operator terminal when the withdrawal amount exceeds a transaction limit amount from a connected host server.
A remaining number information management unit for managing remaining number information stored in the cash storage unit of the transaction apparatus;
When the remaining number information management unit determines that the withdrawal amount exceeds the remaining number stored in the cash storage unit, the connection control unit executes connection processing with the operator terminal. The transaction apparatus according to claim 2.
The transaction control unit
When the input withdrawal amount exceeds a predetermined limit, display predetermined key information for connecting to the operator terminal,
A withdrawal process is performed based on a withdrawal instruction from the operator terminal that confirms the validity of the predetermined key information.
The transaction apparatus according to claim 1.
If the withdrawal amount exceeds the transaction limit amount from the host server to which the transaction control unit is connected, or the withdrawal amount exceeds the remaining number stored in the cash storage unit of the transaction device The transaction apparatus according to claim 5, wherein predetermined key information is displayed when the transaction information is displayed.
7. The transaction control unit according to claim 3 or 6, wherein, even when the withdrawal amount exceeds a transaction limit, the withdrawal of an amount exceeding the transaction limit is permitted based on a withdrawal instruction from the operator terminal. Transaction equipment.
The transaction according to claim 4 or 6, wherein, when the withdrawal amount exceeds the remaining number, the transaction control unit allows the withdrawal of the remaining amount based on a withdrawal instruction from the operator terminal. apparatus.
An operator terminal;
The transaction apparatus according to any one of claims 1 to 7, which performs a withdrawal transaction based on input transaction information;
A trading system comprising: