WO2019117034A1 - Terminal apparatus, automatic teller machine, transfer processing method, and program - Google Patents

Terminal apparatus, automatic teller machine, transfer processing method, and program Download PDF

Info

Publication number
WO2019117034A1
WO2019117034A1 PCT/JP2018/045086 JP2018045086W WO2019117034A1 WO 2019117034 A1 WO2019117034 A1 WO 2019117034A1 JP 2018045086 W JP2018045086 W JP 2018045086W WO 2019117034 A1 WO2019117034 A1 WO 2019117034A1
Authority
WO
WIPO (PCT)
Prior art keywords
transfer
information
payment
amount
medium
Prior art date
Application number
PCT/JP2018/045086
Other languages
French (fr)
Japanese (ja)
Inventor
達朗 細川
純 近藤
直樹 森下
祐太朗 北畑
Original Assignee
日本電気株式会社
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to JP2017238025A priority Critical patent/JP6801917B2/en
Priority to JP2017-238025 priority
Application filed by 日本電気株式会社 filed Critical 日本電気株式会社
Publication of WO2019117034A1 publication Critical patent/WO2019117034A1/en

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self- service terminals [SSTs], vending machines, kiosks or multimedia terminals
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07DHANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D9/00Counting coins; Handling of coins not provided for in the other groups of this subclass

Abstract

Provided is a terminal apparatus provided with: a payment information acquisition unit for acquiring payment information from a payment information storage medium, the payment information including at least settlement amount information and transfer destination information; a transfer amount-specifying information acquisition unit for acquiring transfer amount-specifying information through a transfer amount-depositing device provided in the terminal apparatus, the transfer amount-specifying information being based on a transfer amount-specifying medium that is a physical medium carried by a user using the terminal apparatus; and a transfer processing unit for transmitting a transfer request including the settlement amount information to a transfer destination indicated by the transfer destination information, when the transfer amount-specifying information can be acquired on the basis of the transfer amount-specifying medium.

Description

端末装置、現金自動預払機、振込処理方法、プログラムTerminal device, cash dispenser, transfer processing method, program

本発明は、端末装置、現金自動預払機、振込処理方法、プログラムに関する。 The present invention relates to a terminal device, a cash dispenser, a transfer processing method, and a program.

 ユーザ操作に基づいてPCやスマートフォン等の携帯端末がインターネット網に接続されている商品販売サイトのウェブサーバにアクセスして、携帯端末のユーザに商品を購入させる電子商取引の技術が多く利用されている。当該電子商取引の技術では、携帯端末をユーザが操作することにより当該携帯端末のディスプレイに商品の掲載されたウェブページが表示され、ユーザはその商品を購入するために決済用のクレジットカード番号、銀行口座番号、又はパスワードなどを入力することが求められる。なお本願発明に関連する技術が特許文献1に開示されている。特許文献1の技術では振込処理時のユーザの入力を軽減し、誤振込を防止するとともに連続した振込の効率化を可能とする技術が開示されている。 Many e-commerce technologies are used to make the user of a portable terminal purchase a product by accessing the web server of a commodity sales site where a portable terminal such as a PC or smartphone is connected to the Internet network based on user operation . In the technology of the electronic commerce, when a user operates a mobile terminal, a web page on which a product is posted is displayed on the display of the mobile terminal, and the user uses a credit card number for settlement to purchase the product. It is required to enter an account number or password. A technique related to the present invention is disclosed in Patent Document 1. In the technology of Patent Document 1, a technology is disclosed that reduces the user's input at the time of transfer processing, prevents erroneous transfer, and enables the efficiency of continuous transfer.

特開2006-323717号公報JP, 2006-323717, A

上述の電子商取引では、決済用のクレジットカード番号、銀行口座番号、又はパスワードなど入力情報の入力が求められる。このため、そのような入力情報が他人に漏洩すると、第三者による自由な商品購入を許容してしまい安全性に問題があった。 In the above-described electronic commerce, it is required to enter input information such as a credit card number for settlement, a bank account number, or a password. For this reason, when such input information leaks to another person, the third party permits the free purchase of goods, and there is a problem in safety.

 そこでこの発明は、上述の課題を解決する端末装置、現金自動預払機、振込処理方法、プログラムを提供することを目的としている。 Then, this invention aims at providing the terminal device which solves the above-mentioned subject, a cash dispenser, a transfer processing method, and a program.

 本発明の第1の態様によれば、端末装置は、決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得する支払情報取得部と、自装置を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、前記自装置に備わる振込金額入金装置を介して取得する振込金額特定情報取得部と、前記振込金額特定媒体に基づいて前記振込金額特定情報が取得できた場合に、前記決済金額情報を含む振込要求を前記振込先情報が示す振込先へ送信する振込処理部と、を備えることを特徴とする。 According to the first aspect of the present invention, the terminal device is a payment information acquisition unit that acquires payment information including at least payment amount information and transferee information from the payment information storage medium, and a transfer user using the own device. A transfer amount specifying information acquiring unit for acquiring transfer amount specifying information based on a transfer amount specifying medium which is a physical medium to be possessed via the transfer amount depositing device provided in the own device; and the transfer amount specifying medium based on the transfer amount specifying medium And a transfer processing unit configured to transmit a transfer request including the payment amount information to a transfer destination indicated by the transfer destination information when the amount-of-money identification information can be acquired.

 本発明の第2の態様によれば、現金自動預払機は、決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得する支払情報取得部と、自装置を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、前記自装置に備わる振込金額入金装置を介して取得する振込金額特定情報取得部と、前記振込金額特定媒体に基づいて前記振込金額特定情報が取得できた場合に、前記決済金額情報を含む振込要求を前記振込先情報が示す振込先へ送信する振込処理部と、を備えることを特徴とする。 According to the second aspect of the present invention, the cash dispenser uses the payment information acquiring unit for acquiring payment information including at least settlement amount information and transferee information from the payment information storage medium, and transfers using its own device. Based on the transfer amount specifying information acquisition unit for acquiring transfer amount specifying information based on the transfer amount specifying medium which is a physical medium owned by the user via the transfer amount depositing device provided in the own device, and the transfer amount specifying medium And a transfer processing unit that transmits a transfer request including the payment amount information to a transfer destination indicated by the transfer destination information when the transfer amount specifying information can be acquired.

 本発明の第3の態様によれば、振込処理方法は、端末装置が、決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得し、自装置を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、前記自装置に備わる振込金額入金装置を介して取得し、前記振込金額特定媒体に基づいて前記振込金額特定情報が取得できた場合に、前記決済金額情報を含む振込要求を前記振込先情報が示す振込先へ送信することを特徴とする。 According to the third aspect of the present invention, in the transfer processing method, the terminal device acquires payment information including at least payment amount information and transfer destination information from the payment information storage medium, and the transfer user using the own device The transfer amount specifying information based on the transfer amount specifying medium which is the physical medium to be possessed is obtained through the transfer amount depositing device provided in the own device, and the transfer amount specifying information can be obtained based on the transfer amount specifying medium In this case, the transfer request including the payment amount information is transmitted to the transfer destination indicated by the transfer destination information.

 本発明の第4の態様によれば、プログラムは、端末装置のコンピュータに、決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得し、自装置を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、自装置に備わる振込金額入金装置を介して取得し、前記振込金額特定媒体に基づいて前記振込金額特定情報が取得できた場合に、前記決済金額情報を含む振込要求を前記振込先情報が示す振込先へ送信する、処理を実行させることを特徴とする。 According to the fourth aspect of the present invention, the program acquires, from the payment information storage medium, payment information including at least payment amount information and transferee information from the payment information storage medium to the computer of the terminal device, and uses the device itself. When the transfer amount specifying information based on the transfer amount specifying medium which is the physical medium to be possessed is obtained through the transfer amount depositing device provided in the own device, and the transfer amount specifying information can be obtained based on the transfer amount specifying medium Processing for transmitting a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information.

 本発明によれば、商品販売サイトのウェブサーバから送信され端末に表示された決済開始ウェブページにクレジットカード番号、銀行口座番号、又はパスワードなどの入力情報を入力することなく商品購入のための決済を行うことができる。 According to the present invention, payment for product purchase is made without inputting input information such as a credit card number, bank account number, or password on the payment start web page transmitted from the product sale site web server and displayed on the terminal. It can be performed.

本発明の一実施形態による振込システムの概要を示す図である。 It is a figure showing an outline of a transfer system by one embodiment of the present invention. 本発明の一実施形態による現金自動預払機のインタフェースの一部を示す図である。 FIG. 5 illustrates a portion of an automated teller machine interface in accordance with an embodiment of the present invention. 本発明の一実施形態による現金自動預払機の制御装置のハードウェア構成図である。 It is a hardware block diagram of the control apparatus of the cash dispenser according to one embodiment of the present invention. 本発明の一実施形態による制御装置の機能ブロック図である。 FIG. 2 is a functional block diagram of a control device according to an embodiment of the present invention. 本発明の一実施形態による振込システムの処理フローを示す図である。 It is a figure showing the processing flow of the transfer system by one embodiment of the present invention. 現金自動預払機に備わる制御装置の最小構成を示す図である。 It is a figure which shows the minimum structure of the control apparatus with which a cash dispenser is equipped.

 以下、本発明の一実施形態による現金自動預払機を備えた振込システムを図面を参照して説明する。
 図1は同実施形態による現金自動預払機を備えた振込システムの概要を示す図である。
この図で示すように振込システム100は、少なくとも端末装置の一例である現金自動預払機1、専用サーバ5を備えている。 As shown in this figure, the transfer system 100 includes at least an automated teller machine 1 and a dedicated server 5, which are examples of terminal devices. 現金自動預払機1は振込者であるユーザの顔を撮影する第一カメラ51と、振込ユーザを含み情報から当該ユーザの後方や当該ユーザの両脇を画角内に含んで撮影を行う第二カメラ52と、を備えてよい。 The automatic teller machine 1 has a first camera 51 that captures the face of the user who is the transferor, and a second camera that includes the transfer user and includes the back of the user and both sides of the user within the angle of view. A camera 52 may be provided. 現金自動預払機1は専用サーバ5を介して、または直接、決済システム2と通信接続されてよい。 The automated teller machine 1 may be connected to the payment system 2 via a dedicated server 5 or directly. 決済システム2は商品販売サイトのウェブサーバと連携して電子商取引の機能を発揮する。 The payment system 2 exerts the function of electronic commerce in cooperation with the web server of the product sales site. 現金自動預払機1は専用サーバ5を介して、または直接、銀行システム4と通信接続されてよい。 The automated teller machine 1 may be connected to the banking system 4 via a dedicated server 5 or directly. Hereinafter, a transfer system provided with a cash dispenser according to an embodiment of the present invention will be described with reference to the drawings. Efficiently, a transfer system provided with a cash dispenser according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram showing an outline of a transfer system provided with an automatic teller machine according to the same embodiment. FIG. 1 is a diagram showing an outline of a transfer system provided with an automatic teller machine according to the same embodiment.
As shown in this figure, the money transfer system 100 includes at least a cash dispenser 1 which is an example of a terminal device, and a dedicated server 5. The cash dispenser 1 includes a first camera 51 that captures the face of the user who is the transferee, and a second image that includes the transfer user and includes the back of the user and both sides of the user from the information within the angle of view And a camera 52. The cash dispenser 1 may be communicatively connected to the settlement system 2 via the dedicated server 5 or directly. The settlement system 2 cooperates with the web server of the product sales site to exhibit the function of electronic commerce. The cash dispenser 1 may be communicatively connected to the bank system 4 via the dedicated server 5 or directly. As shown in this figure, the money transfer system 100 includes at least a cash dispenser 1 which is an example of a terminal device, and a dedicated server 5. The cash dispenser 1 includes a first camera 51 that captures the face of the user who is the transferee, and a second image that includes the transfer user and includes the back of the user and both sides of the user from the information within the angle of view And a camera 52. The cash dispenser 1 may be communicatively connected to the settlement system 2 via the dedicated server 5 or directly. The settlement system 2 cooperates with the web server of the product sales site to exhibit the function of electronic commerce. The cash dispenser 1 may be communicatively connected to the bank system 4 via the dedicated server 5 or directly.

 図2は現金自動預払機のインタフェースの一部を示す図である。
 図2で示すように現金自動預払機1はメインディスプレイ11、NFC(Near field communication)アンテナ12、小型ディスプレイ13、コードリーダ14、第三カメラ15、貨幣投入口16、カード投入口17、及びレシート排出口18等を備える。なお図2には図示していないが、現金自動預払機1はその他のハードウェア構成としてメインディスプレイ11の上方に設けられたサブディスプレイ、貨幣投入口16に右側にテンキー、スピーカなどが設けられている。ただし、説明の便宜上、それらの詳細な説明は省略する。
FIG. 2 is a diagram showing a part of the interface of the cash dispenser.
As shown in FIG. 2, the cash dispenser 1 includes a main display 11, an NFC (Near field communication) antenna 12, a small display 13, a code reader 14, a third camera 15, a coin slot 16, a card slot 17, and a receipt. A discharge port 18 and the like are provided. Although not shown in FIG. 2, the cash dispenser 1 is provided with a sub display provided above the main display 11 as another hardware configuration, a ten-key pad, a speaker and the like on the right side of the money insertion slot 16 There is. However, for the convenience of description, the detailed description thereof is omitted. As shown in FIG. 2, the cash dispenser 1 includes a main display 11, an NFC (Near field communication) antenna 12, a small display 13, a code reader 14, a third camera 15, a coin slot 16, a card slot 17, and a receipt. A discharge port 18 and the like are provided. Although not shown in FIG. 2, the cash dispenser 1 is provided with a sub display provided above the main display 11 as another hardware configuration, a ten-key pad , a speaker and the like on the right side of the money insertion slot 16 There is. However, for the convenience of description, the detailed description thereof is omitted.

メインディスプレイ11には操作の案内画面等が表示される。
NFCアンテナ12はメインディスプレイ11の下方に設けられた水平台座部91に内蔵されている。

小型ディスプレイ13は水平台座部91の水平な台座面に設けられている。 The small display 13 is provided on the horizontal pedestal surface of the horizontal pedestal portion 91. 小型ディスプレイ13はICカード等を水平台座部91に載置させるための案内画面を表示する。 The small display 13 displays a guidance screen for placing an IC card or the like on the horizontal pedestal portion 91.
コードリーダ14は水平台座部91の台座面に載置された紙媒体や携帯端末3の表示するコード情報を読み取る。 The code reader 14 reads the code information displayed on the paper medium or the mobile terminal 3 placed on the pedestal surface of the horizontal pedestal portion 91. コード情報はバーコードや二次元コード等であってよい。 The code information may be a barcode, a two-dimensional code, or the like.
第三カメラ15は水平台座部91の台座面に載置されたカード等の撮影対象を撮影する。 The third camera 15 photographs a shooting target such as a card placed on the pedestal surface of the horizontal pedestal portion 91.
貨幣投入口16は本実施形態においては紙幣が投入される投入口である。 The money slot 16 is a slot into which bills are inserted in the present embodiment.
カード投入口17はクレジットカード、銀行カード、その他ICカードを引き込むとともに、それらカードに記録された情報に基づく処理が完了したのちに当該カードを排出する。 The card slot 17 draws in a credit card, a bank card, or other IC card, and ejects the card after the processing based on the information recorded on the card is completed.
レシート排出口18は処理結果等を印字したレシートを排出する。 The receipt discharge port 18 discharges a receipt on which the processing result and the like are printed. An operation guidance screen or the like is displayed on the main display 11. An operation guidance screen or the like is displayed on the main display 11.
The NFC antenna 12 is built in a horizontal pedestal 91 provided below the main display 11. The NFC antenna 12 is built in a horizontal pedestal 91 provided below the main display 11.
The small display 13 is provided on the horizontal pedestal surface of the horizontal pedestal 91. The small display 13 displays a guide screen for placing an IC card or the like on the horizontal pedestal 91. The small display 13 is provided on the horizontal pedestal surface of the horizontal pedestal 91. The small display 13 displays a guide screen for placing an IC card or the like on the horizontal pedestal 91.
The code reader 14 reads a paper medium placed on the pedestal surface of the horizontal pedestal 91 and code information displayed by the portable terminal 3. The code information may be a barcode, a two-dimensional code or the like. The code reader 14 reads a paper medium placed on the pedestal surface of the horizontal pedestal 91 and code information displayed by the portable terminal 3. The code information may be a barcode, a two-dimensional code or the like.
The third camera 15 photographs an object to be photographed such as a card placed on the pedestal surface of the horizontal pedestal 91. The third camera 15 photographs an object to be photographed such as a card placed on the pedestal surface of the horizontal pedestal 91.
In the present embodiment, the coin insertion slot 16 is an insertion slot into which a bill is inserted. In the present embodiment, the coin insertion slot 16 is an insertion slot into which a bill is inserted.
The card insertion slot 17 draws in a credit card, a bank card, and other IC cards, and discharges the card after processing based on the information recorded in the cards is completed. The card insertion slot 17 draws in a credit card, a bank card, and other IC cards, and discharges the card after processing based on the information recorded in the cards is completed.
The receipt discharge port 18 discharges the receipt on which the processing result and the like are printed. The receipt discharge port 18 discharges the receipt on which the processing result and the like are printed.

図3は現金自動預払機の制御装置のハードウェア構成図である。
この図が示すように制御装置10はCPU(Central Processing Unit)10-1、ROM(Read Only Memory)10-2、RAM(Random Access Memory)10-3、SSD(Solid State Drive)10-4、及び通信モジュール10-5等の各ハードウェアを備えたコンピュータである。制御装置10は、上述した各ハードウェアを制御する。
FIG. 3 is a hardware block diagram of a control device of the cash dispenser.

As shown in the figure, the control device 10 includes a central processing unit (CPU) 10-1, a read only memory (ROM) 10-2, a random access memory (RAM) 10-3, and a solid state drive (SSD) 10-4. And a communication module 10-5 and the like. The control device 10 controls each hardware described above. As shown in the figure, the control device 10 includes a central processing unit (CPU) 10-1, a read only memory (ROM) 10-2, a random access memory (RAM) 10-3, and a solid state drive ( SSD) 10-4. And a communication module 10-5 and the like. The control device 10 controls each hardware described above.

図4は制御装置の機能ブロック図である。
制御装置10は、現金自動預払機1に電源が投入されると起動し、予め記憶する管理プログラムを実行する。これにより制御装置10には、制御部101、支払情報取得部102、振込金額特定情報取得部103、及び振込処理部104等の機能部が備わる。
制御部101は、従来の現金自動預払機1の制御のほか、他の機能部の制御を行う。

支払情報取得部102は、決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得する。 The payment information acquisition unit 102 acquires payment information including at least payment amount information and transfer destination information from the payment information storage medium. 支払情報記憶媒体とは、支払情報に対応するコード情報の印字された支払票などの紙媒体や、支払情報を記憶する携帯端末3等である。 The payment information storage medium is a paper medium such as a payment slip on which code information corresponding to the payment information is printed, a mobile terminal 3 that stores the payment information, and the like.
振込金額特定情報取得部103は、自機を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、現金自動預払機1に備わる振込金額入金装置を介して取得する。 The transfer amount specific information acquisition unit 103 acquires the transfer amount specific information based on the transfer amount specific medium, which is a physical medium possessed by the transfer user who uses the own machine, via the transfer amount deposit device provided in the automated teller machine 1. To do. 振込金額入金装置とは、現金自動預払機1に備わる装置等である。 The transfer amount deposit device is a device or the like provided in the automatic teller machine 1. 現金自動預払機1は、貨幣投入口16、NFCアンテナ12、又はカード投入口17から引き込んだICカードを用いて、振込ユーザ等のユーザの口座からの引き落としを銀行システム4へ要求する。 The automatic teller machine 1 requests the bank system 4 to withdraw money from a user's account such as a transfer user by using an IC card drawn from the money slot 16, the NFC antenna 12, or the card slot 17. また振込金額特定媒体とは紙幣そのもの、または銀行口座の開設時に発行されたICカードやその他のNFCカードであってよい。 The transfer amount specifying medium may be the banknote itself, or an IC card or other NFC card issued at the time of opening a bank account.
振込処理部104は、振込金額特定媒体に基づいて振込金額特定情報が取得できた場合に、決済金額情報を含む振込要求を、振込先情報が示す振込先へ送信する。 When the transfer amount specifying information can be acquired based on the transfer amount specifying medium, the transfer processing unit 104 transmits a transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information. 振込先とは決済システム2や銀行システム4である。 The transfer destination is a payment system 2 or a bank system 4. FIG. 4 is a functional block diagram of the control device. FIG. 4 is a functional block diagram of the control device.
The control device 10 is activated when the cash dispenser 1 is powered on, and executes a management program stored in advance. Accordingly, the control device 10 is provided with functional units such as the control unit 101, the payment information acquisition unit 102, the transfer amount specifying information acquisition unit 103, and the transfer processing unit 104. The control device 10 is activated when the cash dispenser 1 is powered on, and executes a management program stored in advance. Accordingly, the control device 10 is provided with functional units such as the control unit 101, the payment information acquisition unit 102, the transfer amount specifying information acquisition unit 103, and the transfer processing unit 104.
The control unit 101 performs control of other functional units in addition to control of the conventional cash dispenser 1. The control unit 101 performs control of other functional units in addition to control of the conventional cash dispenser 1.
The payment information acquisition unit 102 acquires payment information including at least payment amount information and transferee information from the payment information storage medium. The payment information storage medium is a paper medium such as a payment slip on which code information corresponding to the payment information is printed, a portable terminal 3 for storing the payment information, and the like. The payment information acquisition unit 102 acquires payment information including at least payment amount information and transferee information from the payment information storage medium. The payment information storage medium is a paper medium such as a payment slip on which code information corresponding to the payment information is printed. , a portable terminal 3 for storing the payment information, and the like.
The transfer amount specifying information acquisition unit 103 acquires transfer amount specifying information based on a transfer amount specifying medium which is a physical medium owned by a transfer user using the own machine, through the transfer amount depositing device provided in the cash dispenser 1. Do. The transfer amount deposit apparatus is an apparatus or the like provided in the cash dispenser 1. The cash dispenser 1 requests the bank system 4 to debit the user's account, such as a transfer user, using the money slot 16, the NFC antenna 12, or the IC card withdrawn from the card slot 17. Further, the transfer amount specifying medium may be a bill itself, or an IC card or another NFC card issued when the bank account is opened. The transfer amount specifying information acquisition unit 103 acquires transfer amount specifying information based on a transfer amount specifying medium which is a physical medium owned by a transfer user using the own machine, through the transfer amount depositing device provided in the cash dispenser 1. Do. The transfer amount deposit apparatus is an apparatus or the like provided in the cash dispenser 1. The cash dispenser 1 requests the bank system 4 to debit the user's account, such as a transfer user, using the money slot 16, the NFC antenna 12, or the IC card with drawn from the card slot 17. Further, the transfer amount specifying medium may be a bill itself, or an IC card or another NFC card issued when the bank account is opened.
When the transfer amount specifying information can be acquired based on the transfer amount specifying medium, the transfer processing unit 104 transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information. The transfer destination is the payment system 2 or the bank system 4. When the transfer amount specifying information can be acquired based on the transfer amount specifying medium, the transfer processing unit 104 transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information. The transfer destination is the payment system 2 or the bank system 4.

 ユーザは携帯端末3を用いて決済システム2のウェブサーバ機能が提供する商品販売サイトのウェブページにアクセスし、携帯端末3に表示されたウェブページ内の商品の購入操作を行う。このとき携帯端末3は商品販売サイトの決済システム2へ購入要求を送信する。決済システム2は購入要求を受信すると、その購入要求から特定した購入商品の決済金額情報、振込先情報、及び振込元情報を少なくとも含む支払情報のコード情報を生成する。コード情報はバーコードや二次元コードの情報である。決済システム2はこのコード情報を携帯端末3へ送信する。自装置を利用する振込ユーザの所持する物理媒体である携帯端末3(振込金額特定媒体)のユーザは、携帯端末3にコード情報を表示させて現金自動預払機1のコードリーダ(コード読取装置)14に読み取らせる。または携帯端末3がNFC機能を有する端末である場合には、決済システム2のNFCアンテナ(コード読取装置)12にコード情報を読み取らせるようにしてもよい。
現金自動預払機1は、取得したコード情報と貨幣投入口16に投入された貨幣(振込金額特定媒体)とを用いて振込処理を行う。 The automated teller machine 1 performs a transfer process using the acquired code information and the money (transfer amount specifying medium) inserted into the money input port 16. または現金自動預払機1は取得したコード情報と、振込金額特定媒体から電子的に読み取った貨幣情報とを用いて振込処理を行う。 Alternatively, the automated teller machine 1 performs a transfer process using the acquired code information and the monetary information electronically read from the transfer amount specifying medium. これによりユーザは決済システム2にアクセスして携帯端末3に表示された決裁画面において、クレジットカード番号、銀行口座番号、又はパスワード等の入力情報を入力することなく購入商品の決済を進めることができる。 As a result, the user can access the payment system 2 and proceed with the payment of the purchased product without inputting input information such as a credit card number, a bank account number, or a password on the approval screen displayed on the mobile terminal 3. .. The user accesses the web page of the merchandise sales site provided by the web server function of the payment system 2 using the portable terminal 3 and performs the purchase operation of the merchandise in the web page displayed on the portable terminal 3. At this time, the portable terminal 3 transmits a purchase request to the settlement system 2 of the product sales site. When the payment system 2 receives the purchase request, the payment system 2 generates code information of payment information including at least payment amount information of the purchased product specified from the purchase request, payee information, and payee information. The code information is information of a barcode or a two-dimensional code. The payment system 2 transmits this code information to the portable terminal 3. The user of the portable terminal 3 (transfer amount specification medium), which is a physical medium possessed by the transfer user who uses the own apparatus, causes the portable te The user accesses the web page of the merchandise sales site provided by the web server function of the payment system 2 using the portable terminal 3 and performs the purchase operation of the merchandise in the web page displayed on the portable terminal 3. At this time, the portable terminal 3 transmits a purchase request to the settlement system 2 of the product sales site. When the payment system 2 receives the purchase request, the payment system 2 generates code information of payment information including at least payment amount information of the purchased product specified From the purchase request, payee information, and payee information. The code information is information of a barcode or a two-dimensional code. The payment system 2 transmits this code information to the portable terminal 3. The user of the portable terminal 3 (transfer amount specification medium), which is a physical medium possessed by the transfer user who uses the own apparatus, causes the portable te rminal 3 to display code information, and the code reader of the cash dispenser 1 (code reader). Make it read by 14. Alternatively, when the portable terminal 3 is a terminal having an NFC function, the code information may be read by the NFC antenna (code reader) 12 of the settlement system 2. rminal 3 to display code information, and the code reader of the cash dispenser 1 (code reader). Make it read by 14. Alternatively, when the portable terminal 3 is a terminal having an NFC function, the code information may be read by the NFC antenna (code reader) 12 of the settlement system 2.
The automated teller machine 1 performs the transfer process using the acquired code information and the money (transfer amount specifying medium) inserted into the money insertion slot 16. Alternatively, the cash dispenser 1 performs the transfer process using the acquired code information and the money information electronically read from the transfer amount specifying medium. As a result, the user can proceed with the settlement of the purchased product without inputting the input information such as the credit card number, the bank account number, or the password on the settlement screen displayed on the portable terminal 3 by accessing the settlement system 2 . The automated teller machine 1 performs the transfer process using the acquired code information and the money (transfer amount specifying medium) inserted into the money insertion slot 16. Alternatively, the cash dispenser 1 performs the transfer process using the acquired code information and the money information electronically read from the transfer amount specifying medium. As a result, the user can proceed with the settlement of the purchased product without inputting the input information such as the credit card number, the bank account number, or the password on the settlement screen displayed on the portable terminal 3 by accessing the settlement system 2.

図5は本実施形態による振込システムの処理フローを示す図である。
次に振込システムの処理フローについて説明する。

決済システム2は商品販売サイトのウェブサーバからの購入要求を受信する(ステップS501)。 The payment system 2 receives a purchase request from the web server of the product sales site (step S501). 購入要求には、決済金額情報、振込先情報、ユーザのID、及び購入商品のIDなどが含まれている。 The purchase request includes payment amount information, transfer destination information, user ID, ID of purchased product, and the like. 決済システム2は購入要求から特定した購入商品の決済金額情報、振込先情報、及び振込元情報を少なくとも含む支払情報に対応するコード情報を生成する(ステップS502)。 The payment system 2 generates code information corresponding to payment information including at least payment amount information, transfer destination information, and transfer source information of the purchased product specified from the purchase request (step S502). 本実施形態において振込元情報は商品を購入するユーザのIDであってよい。 In the present embodiment, the transfer source information may be the ID of the user who purchases the product. 決済システム2はコード情報を含む決済指示情報を携帯端末3へ送信する(ステップS503)。 The payment system 2 transmits payment instruction information including code information to the mobile terminal 3 (step S503). 携帯端末3は決済指示情報を受信する。 The mobile terminal 3 receives the payment instruction information. 決済システム2は決済指示情報をウェブページとして送信してもよいし、メールアドレスに格納して送信してもよい。 The payment system 2 may send the payment instruction information as a web page, or may store it in an e-mail address and send it. または決済システム2は、決済指示情報を表示するウェブページへのURL(Uniform Resource Locator)を携帯端末3へ送信するようにしてもよい。 Alternatively, the payment system 2 may transmit a URL (Uniform Resource Locator) to a web page displaying payment instruction information to the mobile terminal 3. 決済指示情報には案内文が含まれる。 The payment instruction information includes a guide text. この案内文には、現金自動預払機1においてコード情報を読み取らせて振込処理を行うよう指示する文章が含まれる。 This guidance text includes a text instructing the automatic teller machine 1 to read the code information and perform the transfer process.
なお携帯端末3は商品を購入したユーザ自身の所有する携帯端末3でもよいし、第三者の所持する携帯端末3であってもよい。 The mobile terminal 3 may be a mobile terminal 3 owned by the user who purchased the product, or may be a mobile terminal 3 owned by a third party. ユーザは商品販売サイトのウェブサーバから送信されたウェブページ中の、決済指示情報の送信先の携帯端末3の選択欄や入力欄において、携帯端末3を指定する情報を選択または入力してよい。 The user may select or input information that specifies the mobile terminal 3 in the selection field or input field of the mobile terminal 3 to which the payment instruction information is transmitted in the web page transmitted from the web server of the product sales site. この情報が決済システム2に通知されて、ユーザが所望する携帯端末3に対して、決済指示情報が送信されてよい。 This information may be notified to the payment system 2 and the payment instruction information may be transmitted to the mobile terminal 3 desired by the user. 以下、決済指示情報の送信先の携帯端末3を所持するユーザを振込ユーザと呼ぶ。 Hereinafter, the user who possesses the mobile terminal 3 to which the payment instruction information is transmitted is referred to as a transfer user. FIG. 5 is a diagram showing a processing flow of the money transfer system according to the present embodiment. FIG. 5 is a diagram showing a processing flow of the money transfer system according to the present embodiment.
Next, the processing flow of the transfer system will be described. Next, the processing flow of the transfer system will be described.
The settlement system 2 receives a purchase request from the web server of the product sales site (step S501). The purchase request includes payment amount information, transferee information, the ID of the user, the ID of the purchased product, and the like. The settlement system 2 generates code information corresponding to payment information including at least the payment amount information of the purchased product specified from the purchase request, the transferee information, and the transferor information (step S502). In the present embodiment, the transfer source information may be an ID of a user who purchases a product. The settlement system 2 transmits settlement instruction information including code information to the portable terminal 3 (step S503). The portable terminal 3 receives the settlement instruction information. The payment system 2 may transmit payment instruction information as a web page, or may store the payment instruction information in a mail address for The purchase request includes payment amount information, transferee information, the ID of the user, the ID of the purchased product, and the like. The settlement system 2 receives a purchase request from the web server of the product sales site (step S501). The settlement system 2 generates code information corresponding to payment information including at least the payment amount information of the purchased product specified from the purchase request, the transferee information, and the transferor information (step S502). In the present embodiment, the transfer source information The settlement system 2 transmits settlement instruction information including code information to the portable terminal 3 (step S503). The portable terminal 3 receives the settlement instruction information. The payment system 2 may transmit payment instruction information as a web page, or may store the payment instruction information in a mail address for transmission. Alternatively, the settlement system 2 may transmit a URL (Uniform Resource Locator) to a web page on which settlement instruction information is displayed to the portable terminal 3. The settlement instruction information includes a guidance sentence. The guidance text includes a text that instructs the cash dispenser 1 to read the code information and perform the transfer process. transmission. Alternatively, the settlement system 2 may transmit a URL (Uniform Resource Locator) to a web page on which settlement instruction information is displayed to the portable terminal 3. The settlement instruction information includes a guidance sentence. The guidance text includes a text that instructions the cash dispenser 1 to read the code information and perform the transfer process.
The portable terminal 3 may be a portable terminal 3 owned by the user who has purchased the product, or may be a portable terminal 3 owned by a third party. The user may select or input information for specifying the portable terminal 3 in the selection field or the input field of the portable terminal 3 as the transmission destination of the payment instruction information in the web page transmitted from the web server of the product sales site. This information may be notified to the payment system 2, and payment instruction information may be transmitted to the portable terminal 3 desired by the user. Hereinafter, the user who holds the portable terminal 3 of the transmission destination of the payment instruction information is referred to as a transfer user. The portable terminal 3 may be a portable terminal 3 owned by the user who has purchased the product, or may be a portable terminal 3 owned by a third party. The user may select or input information for specifying the portable terminal 3 in the selection field or the input field of the portable terminal 3 as the transmission destination of the payment instruction information in the web page transmitted from the web server of the product sales site. This information may be notified to the payment system 2, and payment instruction information may be transmitted to the portable terminal 3 desired by the user. Increasing, the user who holds the portable terminal 3 of the transmission destination of the payment instruction information is referred to as a transfer user.

 振込ユーザは決済指示情報を携帯端末3に表示させて案内文を確認したのち、最寄りの現金自動預払機1の設置されている店舗へ赴く。振込ユーザは携帯端末3のディスプレイに決済指示情報を表示させる。この決済指示情報には決済システム2の生成した二次元コードが含まれる。振込ユーザは現金自動預払機1のメインディスプレイ11に表示されている複数のアイコンボタンのうち、振込処理のアイコンボタンにタッチする。メインディスプレイ11はタッチセンサを備える。振込処理のアイコンボタンへのタッチに応答して、制御部101は振込処理を開始すると判定する(ステップS504)。制御部101は支払情報取得部102に処理の開始を指示する。 The transfer user displays settlement instruction information on the portable terminal 3 and confirms the guidance text, and then goes to the nearest store where the automated teller machine 1 is installed. The transfer user displays the payment instruction information on the display of the portable terminal 3. The settlement instruction information includes the two-dimensional code generated by the settlement system 2. Among the plurality of icon buttons displayed on the main display 11 of the cash dispenser 1, the transfer user touches the icon button for transfer processing. The main display 11 includes a touch sensor. In response to the touch on the icon button of the transfer process, the control unit 101 determines to start the transfer process (step S504). The control unit 101 instructs the payment information acquisition unit 102 to start the process.

 支払情報取得部102はNFCアンテナ12、小型ディスプレイ13、及びコードリーダ14等に対して支払情報取得制御を行う(ステップS505)。当該支払情報取得制御において支払情報取得部102は、例えばコードリーダ14を起動し、携帯端末3の二次元コードが表示されたディスプレイを上方に向けて水平台座部91の台座面に載置するよう指示する案内画面を小型ディスプレイ13に表示させる。振込ユーザは携帯端末3のディスプレイを上方に向けて水平台座部91に載置する。コードリーダ14は携帯端末3に表示されている二次元コードを読み取る。コードリーダ14は読み取った二次元コードに含まれるコード情報を支払情報取得部102へ送信する。 The payment information acquisition unit 102 performs payment information acquisition control on the NFC antenna 12, the small display 13, the code reader 14, and the like (step S505). In the payment information acquisition control, for example, the payment information acquisition unit 102 activates the code reader 14 to place the display on which the two-dimensional code of the portable terminal 3 is displayed upward on the pedestal surface of the horizontal pedestal 91. A guidance screen to be instructed is displayed on the small display 13. The transfer user places the display of the portable terminal 3 upward on the horizontal pedestal 91. The code reader 14 reads the two-dimensional code displayed on the portable terminal 3. The code reader 14 transmits code information included in the read two-dimensional code to the payment information acquisition unit 102.

 振込ユーザは決済指示情報に含まれるコード情報を印刷して振込を行うようにしてもよい。コード情報が印刷された紙媒体は、振込票の一態様である。支払情報取得部102は、振込票に印刷された二次元コードを上方に向けて水平台座部91の台座面に載置するよう指示する案内画面を、小型ディスプレイ13に表示させる。振込ユーザは印刷された二次元コードを上方に向けて水平台座部91に載置する。コードリーダ14は振込票に印刷されている二次元コードを読み取る。コードリーダ14は読み取った二次元コードに含まれるコード情報を支払情報取得部102へ送信する。 The transfer user may perform transfer by printing the code information included in the payment instruction information. The paper medium on which the code information is printed is an aspect of the transfer slip. The payment information acquisition unit 102 causes the small display 13 to display a guidance screen instructing to place the two-dimensional code printed on the transfer slip upward on the pedestal surface of the horizontal pedestal 91. The transfer user places the printed two-dimensional code upward on the horizontal pedestal 91. The code reader 14 reads the two-dimensional code printed on the transfer slip. The code reader 14 transmits code information included in the read two-dimensional code to the payment information acquisition unit 102.

 支払情報取得部102は他の支払情報取得制御によってコード情報を取得してもよい。
例えば携帯端末3にはNFC機能を備えるものがある。したがって支払情報取得部102は例えばNFCアンテナ12を起動し、携帯端末3のNFC機能が備わる面を水平台座部91の台座面に合わせて載置するよう指示する案内画面を、小型ディスプレイ13に表示させる。振込ユーザは携帯端末3のNFC機能が備わる面を台座面に合わせて載置する。NFCアンテナ12は携帯端末3に表示されている二次元コードを無線通信によって読み取る。NFCアンテナ12は読み取った二次元コードに含まれるコード情報を支払情報取得部102へ送信する。
なお、支払情報取得部102は上述の何れかの支払情報取得制御を行ってもよい。 The payment information acquisition unit 102 may perform any of the above payment information acquisition controls. または、支払情報取得部102は、それら複数の支払情報取得制御を同時に行うようにして、NFCアンテナ12またはコードリーダ14の何れかからコード情報を受信した場合に当該支払情報取得制御を終了してよい。 Alternatively, the payment information acquisition unit 102 ends the payment information acquisition control when the code information is received from either the NFC antenna 12 or the code reader 14 by simultaneously performing the plurality of payment information acquisition controls. Good. The payment information acquisition unit 102 may acquire code information by other payment information acquisition control. The payment information acquisition unit 102 may acquire code information by other payment information acquisition control.
For example, some portable terminals 3 have an NFC function. Therefore, the payment information acquisition unit 102 displays, for example, on the small display 13 a guidance screen instructing the NFC antenna 12 to be activated and to place the face of the portable terminal 3 provided with the NFC function on the pedestal surface of the horizontal pedestal 91. Let The transfer user places the face of the portable terminal 3 provided with the NFC function on the base face and places the face. The NFC antenna 12 reads the two-dimensional code displayed on the portable terminal 3 by wireless communication. The NFC antenna 12 transmits code information included in the read two-dimensional code to the payment information acquisition unit 102. Therefore, the payment information acquisition unit 102 displays, for example, on the small display 13 a guidance screen instructing the NFC antenna 12 to be activated and to place the face of the portable terminal 3 provided with the NFC function on the pedestal surface of the horizontal pedestal 91. Let The transfer user places the face of the portable terminal 3 provided with the NFC function on the base face and places the face. The NFC antenna 12 reads the two- dimensional code displayed on the portable terminal 3 by wireless communication. The NFC antenna 12 transmits code information included in the read two-dimensional code to the payment information acquisition unit 102.
The payment information acquisition unit 102 may perform any of the above-described payment information acquisition control. Alternatively, the payment information acquisition unit 102 terminates the payment information acquisition control when code information is received from either the NFC antenna 12 or the code reader 14 by simultaneously performing the plurality of payment information acquisition controls. Good. The payment information acquisition unit 102 may perform any of the above-described payment information acquisition control. Alternatively, the payment information acquisition unit 102 terminates the payment information acquisition control when code information is received from either the NFC antenna 12 or the code reader 14 by Simultaneously performing the plurality of payment information acquisition controls. Good.

 支払情報取得部102はコード情報を取得する(ステップS506)。すると支払情報取得部102は当該コード情報を振込処理部104へ出力する。また支払情報取得部102は支払情報取得制御の終了を制御部101へ通知する。制御部101は次に振込金額特定情報取得部103に処理の開始を指示する。 The payment information acquisition unit 102 acquires code information (step S506). Then, the payment information acquisition unit 102 outputs the code information to the transfer processing unit 104. The payment information acquisition unit 102 also notifies the control unit 101 of the end of the payment information acquisition control. Next, the control unit 101 instructs the transfer amount specifying information acquisition unit 103 to start the process.

 振込金額特定情報取得部103はメインディスプレイ11と貨幣投入口16に対して振込金額特定情報取得制御を行う(ステップS507)。当該振込金額特定情報取得制御において振込金額特定情報取得部103は、貨幣投入口16の扉が「閉」から「開」に制御されるよう指示する。また振込金額特定情報取得部103はメインディスプレイ11に、貨幣投入口16に振込金額特定媒体の一例としての貨幣(紙幣や硬貨)を投入するよう案内する案内画面を表示させる。貨幣投入口16は貨幣が投入されたことを検知して投入された貨幣の金額をカウントする。貨幣投入口16は、投入された金額の合計を示す振込金額特定情報を振込金額特定情報取得部103へ出力する。 The transfer amount specification information acquisition unit 103 performs transfer amount specification information acquisition control on the main display 11 and the money insertion slot 16 (step S507). In the transfer amount specification information acquisition control, the transfer amount specification information acquisition unit 103 instructs the door of the money insertion slot 16 to be controlled from “close” to “open”. Further, the transfer amount specifying information acquisition unit 103 causes the main display 11 to display a guidance screen for guiding the money insertion port 16 to insert money (a bill or a coin) as an example of the transfer amount specifying medium. The money insertion slot 16 detects that money has been inserted and counts the amount of money inserted. The money insertion slot 16 outputs the transfer amount specifying information indicating the total amount of the inserted amount to the transfer amount specifying information acquiring unit 103.

 振込金額特定情報取得部103は他の振込金額特定情報取得制御によって振込金額特定情報を取得してもよい。例えば振込金額特定情報取得部103はNFCアンテナ12を起動し、決済金額を含む入金指示をNFCアンテナ12に出力する。振込金額特定情報取得部103は電子マネー情報(金額に換算できるポイント情報や暗号通貨の情報であってもよい)が記憶されている振込金額特定媒体の一例としてのICカードをNFCアンテナ12に翳すよう指示する案内画面をメインディスプレイ11に表示させる。振込ユーザはICカードをNFCアンテナ12に翳す。NFCアンテナ12は入金指示に含まれる決済金額をICカードから取得する入金処理を行う。入金処理自体は公知の技術により行われればよい。NFCアンテナ12は決済金額を示す振込金額特定情報を振込金額特定情報取得部103へ出力する。なお、振込金額特定情報取得部103は上述の何れかの振込金額特定情報取得制御を行ってもよい。または、振込金額特定情報取得部103は、それら複数の振込金額特定情報取得制御を同時に行うようにして、貨幣投入口16またはNFCアンテナ12の何れかから振込金額特定情報を受信した場合に当該振込金額特定情報取得制御を終了してよい。なお振込ユーザは振込金額特定媒体の一例として口座を開設した際に銀行から発行されたICカードを挿入するようにしてもよい。 The transfer amount specifying information acquisition unit 103 may obtain transfer amount specifying information by other transfer amount specifying information acquisition control. For example, the transfer amount specification information acquisition unit 103 activates the NFC antenna 12 and outputs a payment instruction including the payment amount to the NFC antenna 12. An IC card as an example of a transfer amount specifying medium in which electronic money information (which may be point information that can be converted into amount or information on encrypted currency) may be stored in the NFC antenna 12 as an example of a transfer amount specifying medium. The main display 11 displays a guidance screen instructing the user to The transfer user transfers the IC card to the NFC antenna 12. The NFC antenna 12 performs a deposit process for acquiring the payment amount included in the deposit instruction from the IC card. The deposit process itself may be performed by a known technique. The NFC antenna 12 outputs the transfer amount specifying information indicating the payment amount to the transfer amount specifying information acquiring unit 103. The transfer amount specifying information acquiring unit 103 may perform any of the above-described transfer amount specifying information acquisition control. Alternatively, the transfer amount specification information acquisition unit 103 performs the plurality of transfer amount specification information acquisition controls simultaneously, and when the transfer amount specification information is received from either the money insertion slot 16 or the NFC antenna 12, the transfer amount is received. The amount specification information acquisition control may be ended. The transfer user may insert an IC card issued from a bank when an account is opened as an example of the transfer amount specifying medium.

 振込金額特定情報取得部103は振込金額特定情報を取得する(ステップS508)。振込金額特定情報取得部103は当該振込金額特定情報を振込処理部104へ出力する。また振込金額特定情報取得部103は振込金額特定情報取得制御の終了を制御部101へ通知する。制御部101は次に振込処理部104に処理の開始を指示する。 The transfer amount specifying information acquisition unit 103 acquires transfer amount specifying information (step S508). The transfer amount specifying information acquisition unit 103 outputs the transfer amount specifying information to the transfer processing unit 104. Further, the transfer amount specifying information acquiring unit 103 notifies the control unit 101 of the end of the transfer amount specifying information acquisition control. Next, the control unit 101 instructs the money transfer processing unit 104 to start processing.

 振込処理部104は、コード情報から決済金額情報、振込先情報、及び振込元情報を読み取る。振込処理部104はステップS508で取得した振込金額特定情報の示す金額が、ステップS506で取得した決済金額情報の示す金額以上である場合には振込処理を開始する。振込処理において振込処理部104はステップS508で取得したコード情報から取得した決済金額情報、振込先情報、及び振込元情報を少なくとも含む振込要求を銀行システム4へ送信する(ステップS509)。この振込処理部104の処理は、振込金額特定媒体に基づいて振込金額特定情報が取得できた場合に、決済金額情報を含む振込要求を振込先情報が示す振込先へ送信することの一態様である。
銀行システム4は決済金額情報、振込先情報、及び振込元情報を用いて振込処理を行う。 The bank system 4 performs the transfer process using the payment amount information, the transfer destination information, and the transfer source information. 具体的には銀行システム4は振込先情報が示す口座番号へ決済金額情報が示す金額を振り込む処理を行う。 Specifically, the bank system 4 performs a process of transferring the amount indicated by the settlement amount information to the account number indicated by the transfer destination information. この場合、銀行システム4は振込ユーザの口座番号等の情報や、口座への入金処理を経ずに、現金自動預払機1において振り込まれた貨幣に対応する決済金額情報を用いて振込処理を行うことができる。 In this case, the bank system 4 performs the transfer processing using the information such as the account number of the transfer user and the settlement amount information corresponding to the money transferred by the automatic teller machine 1 without going through the payment processing to the account. be able to. これにより振込ユーザが銀行口座を開設していなくとも、商品販売サイトにおいて購入を行った商品の決済金額を振り込むことが可能となる。 As a result, even if the transfer user does not open a bank account, it is possible to transfer the payment amount of the product purchased on the product sales site. なお振込元情報は商品販売サイトのウェブサーバからの購入要求を行ったユーザの氏名やID等であってよい。 The transfer source information may be the name or ID of the user who made the purchase request from the web server of the product sales site. The transfer processing unit 104 reads payment amount information, transfer destination information, and transfer source information from the code information. The transfer processing unit 104 starts the transfer process when the amount indicated by the transfer amount specifying information acquired in step S508 is equal to or more than the amount indicated by the settlement amount information acquired in step S506. In the transfer process, the transfer processing unit 104 transmits a transfer request including at least the payment amount information, the transfer destination information, and the transfer source information acquired from the code information acquired in step S508 to the bank system 4 (step S509). The processing of the transfer processing unit 104 is an aspect of transmitting the transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specifying information can be a The transfer processing unit 104 reads payment amount information, transfer destination information, and transfer source information from the code information. The transfer processing unit 104 starts the transfer process when the amount indicated by the transfer amount specifying information acquired in step S508 is equal to or more than the amount indicated by the settlement amount information acquired in step S506. In the transfer process, the transfer processing unit 104 transmits a transfer request including at least the payment amount information, the transfer destination information, and the transfer source information acquired from the code information acquired in step S508 to the bank system 4 (step S509). The processing of the transfer processing unit 104 is an aspect of transmitting the transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specifying information can be a cquired based on the transfer amount specifying medium. is there. cquired based on the transfer amount specifying medium. Is there.
The bank system 4 performs the transfer process using the payment amount information, the transfer destination information, and the transfer source information. Specifically, the bank system 4 transfers the amount indicated by the payment amount information to the account number indicated by the transfer destination information. In this case, the bank system 4 performs the transfer process using information such as the account number of the transfer user, and the payment amount information corresponding to the money transferred in the cash dispenser 1, without passing through the deposit process to the account. be able to. As a result, even if the transfer user does not open a bank account, it is possible to transfer the settlement amount of the product purchased at the product sales site. The transfer source information may be the name, ID, etc. of the user who has made a purchase request from the web server of the product sales site. The bank system 4 performs the transfer process using the payment amount information, the transfer destination information, and the transfer source information. Specifically, the bank system 4 transfers the amount indicated by the payment amount information to the account number indicated by the transfer destination information. In this case, the bank system 4 performs the transfer process using information such as the account number of the transfer user, and the payment amount information corresponding to the money transferred in the cash dispenser 1, without passing through the deposit process to the account As a result, even if the transfer user does not open a bank account, it is possible to transfer the settlement amount of the product purchased at the product sales site. The transfer source information may be the name, ID, etc. of the user who has made a purchase request from the web server of the product sales site.

 振込元情報は商品販売サイトのウェブサーバからの購入要求を行ったユーザの銀行の口座番号であってもよい。この場合銀行システム4は、商品販売サイトのウェブサーバからの購入要求を行ったユーザの口座番号の預金金額から決済金額情報の示す金額を差し引いて、振込先情報が示す振込先に決済金額の振込処理を行ってもよい。 The transfer source information may be the account number of the bank of the user who has made the purchase request from the web server of the product sales site. In this case, the bank system 4 deducts the amount indicated by the settlement amount information from the deposit amount of the account number of the user who made the purchase request from the web server of the product sales site, and transfers the settlement amount to the transfer destination indicated by the transfer destination information. You may process.

 振込処理部104は、銀行システム4の代わりに商品販売サイトの運営者等の管理する決済システム2に直接、決済金額を振り込んでもよい。具体的には振込処理において振込処理部104はステップS508で取得したコード情報から取得した振込先情報に基づいて、決済システム2のネットワークアドレスを特定する。ネットワークアドレスは現金自動預払機1に専用のサーバに記憶されており、この記憶する情報によって特定されてもよいし、自装置で予め記憶されてもよい。振込処理部104はコード情報をから取得した決済金額情報、及び振込元情報を少なくとも含む振込要求を、特定した決済システム2へ送信する。決済システム2は振込要求から決済金額情報、及び振込元情報を読み取る。決済システム2は振込元情報に紐づいて記憶される未決済の情報を、振込要求から読み取った決済金額情報を用いて決済完了の情報に更新する。この場合も同様に、振込ユーザの口座番号等の情報や、口座への入金処理を経ずに、現金自動預払機1において振り込まれた貨幣に対応する決済金額情報を用いて振込処理を行うことができる。これにより振込ユーザが銀行口座を開設していなくとも、商品販売サイトにおいて購入を行った商品の決済金額を振り込むことが可能となる。 The transfer processing unit 104 may transfer the payment amount directly to the payment system 2 managed by the operator of the product sales site instead of the bank system 4. Specifically, in the transfer process, the transfer processing unit 104 specifies the network address of the payment system 2 based on the transfer destination information acquired from the code information acquired in step S508. The network address is stored in a server dedicated to the cash dispenser 1 and may be specified by the stored information or may be stored in advance by the own device. The transfer processing unit 104 transmits a transfer request including at least the payment amount information acquired from the code information and the transfer source information to the identified payment system 2. The settlement system 2 reads the settlement amount information and the transfer source information from the transfer request. The settlement system 2 updates the unsettled information stored in association with the transfer source information to the information on the completion of the settlement using the settlement amount information read from the transfer request. Also in this case, similarly, the transfer process is performed using information such as the account number of the transfer user, or the payment amount information corresponding to the money transferred in the automated teller machine 1 without passing through the deposit process to the account. Can. As a result, even if the transfer user does not open a bank account, it is possible to transfer the settlement amount of the product purchased at the product sales site.

 銀行システム4や決済システム2は決済が完了すると決済完了を現金自動預払機1へ送信する。現金自動預払機1の振込処理部104は、決済終了を示すレシートをレシート排出口18から排出する制御を行う(ステップS510)。 When the settlement is completed, the bank system 4 and the settlement system 2 transmit the settlement completion to the cash dispenser 1. The transfer processing unit 104 of the cash dispenser 1 performs control to discharge a receipt indicating the end of settlement from the receipt discharge port 18 (step S510).

 以上の処理によれば、ユーザは商品販売サイトのウェブサーバにアクセスして携帯端末3に表示された決裁画面において、クレジットカード番号、銀行口座番号、又はパスワード等の入力情報を入力することなく購入商品の決済を、現金自動預払機1を用いて行うことができる。また振込ユーザが銀行口座を開設していなくとも、商品販売サイトにおいて購入を行った商品の決済金額を振り込むことが可能となる。現金自動預払機1は独自ネットワークと専用設計にしたがって安全が確保されている。このため、ユーザはその守られた環境で決済サービスを享受することができる。また必要な金額の決済を商品購入の都度、物理的に支払う処理を行うことにより、万が一詐欺被害にあっても、クレジットカード番号、銀行口座番号、又はパスワード等の漏洩が減少する。このため、その被害規模を限定することができる。現金自動預払機1は、上述の振込処理を行った後、振込処理を行ったことに対する対価を含む対価要求を決済システム2へ送信するようにしてもよい。これにより現金自動預払機1を用いた新たなサービスと、そのサービスによる収益を見込むことができる。 According to the above processing, the user accesses the web server of the product sales site and makes a purchase without entering the input information such as the credit card number, the bank account number, or the password on the determination screen displayed on the portable terminal 3 The settlement of the goods can be performed using an automatic teller machine 1. Further, even if the transfer user does not open a bank account, it is possible to transfer the settlement amount of the product purchased at the product sales site. The cash dispenser 1 is secured in accordance with its own network and dedicated design. Therefore, the user can enjoy the payment service in the protected environment. Further, by physically paying for the necessary amount of payment each time a product is purchased, leakage of a credit card number, a bank account number, a password or the like is reduced even in the event of fraud damage. For this reason, the scale of the damage can be limited. After performing the above-described transfer process, the automated teller machine 1 may transmit to the settlement system 2 a consideration request including the consideration for the transfer process. As a result, it is possible to anticipate new services using the cash dispenser 1 and revenue from the services.

 図6は現金自動預払機に備わる制御装置の最小構成を示す図である。
 この図が示すように現金自動預払機1に備わる制御装置10は、少なくとも支払情報取得部102、振込金額特定情報取得部103、及び振込処理部104を備えればよい。
FIG. 6 is a diagram showing a minimum configuration of a control device provided in the cash dispenser.
As shown in the figure, the control device 10 provided in the cash dispenser 1 may include at least a payment information acquisition unit 102, a transfer amount specifying information acquisition unit 103, and a transfer processing unit 104.

 上述の説明では現金自動預払機1を用いて説明しているが、現金自動預払機1は端末装置の一例である。現金自動預払機1以外の端末装置が、上述の現金自動預払機1と同様の構成を備えて、同様の処理を行うようにしてもよい。この場合、端末装置が上述の制御装置10を備える。 Although the above description is made using the cash dispenser 1, the cash dispenser 1 is an example of a terminal device. Terminal devices other than the cash dispenser 1 may have the same configuration as that of the cash dispenser 1 described above and perform the same processing. In this case, the terminal device includes the control device 10 described above.

 上述の現金自動預払機1は内部に、コンピュータシステムを有している。そして、上述した各処理の過程は、プログラムの形式でコンピュータ読み取り可能な記録媒体に記憶されており、このプログラムをコンピュータが読み出して実行することによって、上記処理が行われる。ここでコンピュータ読み取り可能な記録媒体とは、磁気ディスク、光磁気ディスク、CD-ROM、DVD-ROM、半導体メモリ等をいう。また、このコンピュータプログラムを通信回線によってコンピュータに配信し、この配信を受けたコンピュータが当該プログラムを実行するようにしても良い。 The cash dispenser 1 described above has a computer system inside. And the process of each process mentioned above is memorize | stored in the computer readable recording medium in the form of a program, and the said process is performed when a computer reads and runs this program. 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, the computer program may be distributed to a computer through a communication line, and the computer that has received the distribution may execute the program.

 また、上記プログラムは、前述した機能の一部を実現するためのものであっても良い。
さらに、前述した機能をコンピュータシステムにすでに記録されているプログラムとの組み合わせで実現できるもの、いわゆる差分ファイル(差分プログラム)であっても良い。
Further, the program may be for realizing a part of the functions described above.
Furthermore, it may be a so-called difference file (difference program) that can realize the above-described functions in combination with a program already recorded in the computer system.

 この出願は、2017年12月12日に日本出願された特願2017-238025号を基礎とする優先権を主張し、その開示の全てをここに取り込む。 This application claims priority based on Japanese Patent Application No. 2017-238025 filed on Dec. 12, 2017, the entire disclosure of which is incorporated herein.

 本発明によれば、商品販売サイトのウェブサーバから送信され端末に表示された決済開始ウェブページにクレジットカード番号、銀行口座番号、又はパスワードなどの入力情報を入力することなく商品購入のための決済を行うことができる。 According to the present invention, payment for product purchase is made without inputting input information such as a credit card number, bank account number, or password on the payment start web page transmitted from the product sale site web server and displayed on the terminal. It can be performed.

1・・・現金自動預払機
2・・・決済システム
3・・・携帯端末
4・・・銀行システム
5・・・専用サーバ
51・・・第一カメラ
52・・・第二カメラ
10・・・制御装置
11・・・メインディスプレイ
12・・・NFCアンテナ
13・・・小型ディスプレイ
14・・・コードリーダ
15・・・第三カメラ
16・・・貨幣投入口
17・・・カード投入口
18・・・レシート排出口
101・・・制御部
102・・・支払情報取得部
103・・・振込金額特定情報取得部
104・・・振込処理部
1 ... cash dispenser 2 ... settlement system 3 ... mobile terminal 4 ... bank system 5 ... dedicated server 51 ... first camera 52 ... second camera 10 ... Control device 11 ... Main display 12 ... NFC antenna 13 ... Small display 14 ... Code reader 15 ... Third camera 16 ... Money slot 17 ... Card slot 18 ... -Receipt discharge port 101 ... Control unit 102 ... Payment information acquisition unit 103 ... Transfer amount specific information acquisition unit 104 ... Transfer processing unit

Claims (9)

  1.  決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得する支払情報取得部と、
     自装置を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、前記自装置に備わる振込金額入金装置を介して取得する振込金額特定情報取得部と、
     前記振込金額特定媒体に基づいて前記振込金額特定情報が取得できた場合に、前記決済金額情報を含む振込要求を前記振込先情報が示す振込先へ送信する振込処理部と、
     を備えた端末装置。
    A payment information acquisition unit for acquiring payment information including at least payment amount information and transferee information from a payment information storage medium;
    A transfer amount specifying information acquisition unit for acquiring transfer amount specifying information based on a transfer amount specifying medium, which is a physical medium owned by a transfer user using the own device, via the transfer amount depositing device provided in the own device; A transfer amount specifying information acquisition unit for acquiring transfer amount specifying information based on a transfer amount specifying medium, which is a physical medium owned by a transfer user using the own device, via the transfer amount depositing device provided in the own device;
    A transfer processing unit that transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specifying information can be acquired based on the transfer amount specifying medium; A transfer processing unit that transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specifying information can be acquired based on the transfer amount specifying medium;
    Terminal equipment equipped with Terminal equipment equipped with
  2. 前記支払情報記憶媒体のコード情報を読み取るコード読取装置をさらに備え、
    前記支払情報取得部は、前記コード読取装置が読み取った前記コード情報に含まれる前記支払情報を取得する 請求項1に記載の端末装置。 The terminal device according to claim 1, wherein the payment information acquisition unit acquires the payment information included in the code information read by the code reading device. The system further comprises a code reader for reading code information of the payment information storage medium, The system further in a code reader for reading code information of the payment information storage medium,
    The terminal device according to claim 1, wherein the payment information acquisition unit acquires the payment information included in the code information read by the code reader. The terminal device according to claim 1, wherein the payment information acquisition unit acquires the payment information included in the code information read by the code reader.
  3. 前記コード読取装置は、
    前記支払情報記憶媒体としての携帯端末のディスプレイに表示された前記コード情報を読み取る 請求項2に記載の端末装置。
    The code reader

    The terminal device according to claim 2, wherein the code information displayed on a display of a portable terminal as the payment information storage medium is read. The terminal device according to claim 2, wherein the code information displayed on a display of a portable terminal as the payment information storage medium is read.
  4. 前記コード読取装置は、
    前記支払情報記憶媒体としての紙媒体に印字された前記コード情報を読み取る 請求項2に記載の端末装置。
    The code reader
    The terminal device according to claim 2, wherein the code information printed on a paper medium as the payment information storage medium is read.
  5. 前記支払情報に振込元情報がさらに含まれており、
    前記振込処理部は、

    通信接続された銀行システムに、前記振込先情報と前記振込元情報とをさらに含む前記振込要求を送信する 請求項1から請求項4の何れか一項に記載の端末装置。 The terminal device according to any one of claims 1 to 4, which transmits the transfer request including the transfer destination information and the transfer source information to a bank system connected by communication. The payment information further includes transfer source information, The payment information further includes transfer source information,
    The transfer processing unit The transfer processing unit
    The terminal apparatus according to any one of claims 1 to 4, wherein the transfer request further including the transfer destination information and the transfer source information is transmitted to a bank system connected by communication. The terminal apparatus according to any one of claims 1 to 4, which the transfer request further including the transfer destination information and the transfer source information is transmitted to a bank system connected by communication.
  6. 前記支払情報に振込元情報がさらに含まれており、
    前記振込処理部は、

    前記振込先情報に対応する通信接続された振込先の決済システムに、前記振込元情報をさらに含む前記振込要求を送信する 請求項1から請求項4の何れか一項に記載の端末装置。 The terminal device according to any one of claims 1 to 4, wherein the transfer request including the transfer source information is transmitted to the payment system of the transfer destination connected by communication corresponding to the transfer destination information. The payment information further includes transfer source information, The payment information further includes transfer source information,
    The transfer processing unit The transfer processing unit
    The terminal apparatus according to any one of claims 1 to 4, wherein the transfer request further including the transfer source information is transmitted to a payment system of the transfer destination connected in communication corresponding to the transfer destination information. The terminal apparatus according to any one of claims 1 to 4, which the transfer request further including the transfer source information is transmitted to a payment system of the transfer destination connected in communication corresponding to the transfer destination information.
  7. 決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得する支払情報取得部と、
    自装置を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、前記自装置に備わる振込金額入金装置を介して取得する振込金額特定情報取得部と、 The transfer amount specific information acquisition unit that acquires the transfer amount specific information based on the transfer amount specific medium, which is the physical medium possessed by the transfer user who uses the own device, through the transfer amount deposit device provided in the own device.
    前記振込金額特定媒体に基づいて前記振込金額特定情報が取得できた場合に、前記決済金額情報を含む振込要求を前記振込先情報が示す振込先へ送信する振込処理部と、 A transfer processing unit that transmits a transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information when the transfer amount specific information can be acquired based on the transfer amount specific medium.
    を備えた現金自動預払機。 Automatic teller machine equipped with. A payment information acquisition unit for acquiring payment information including at least payment amount information and transferee information from a payment information storage medium; A payment information acquisition unit for acquiring payment information including at least payment amount information and transferee information from a payment information storage medium;
    A transfer amount specifying information acquisition unit for acquiring transfer amount specifying information based on a transfer amount specifying medium, which is a physical medium owned by a transfer user using the own device, via the transfer amount depositing device provided in the own device; A transfer amount specifying information acquisition unit for acquiring transfer amount specifying information based on a transfer amount specifying medium, which is a physical medium owned by a transfer user using the own device, via the transfer amount depositing device provided in the own device;
    A transfer processing unit that transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specifying information can be acquired based on the transfer amount specifying medium; A transfer processing unit that transmits a transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specifying information can be acquired based on the transfer amount specifying medium;
    ATM with cash machine. ATM with cash machine.
  8. 端末装置が、
    決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得し、

    自装置を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、前記自装置に備わる振込金額入金装置を介して取得し、 The transfer amount specific information based on the transfer amount specific medium, which is the physical medium possessed by the transfer user who uses the own device, is acquired through the transfer amount deposit device provided in the own device.
    前記振込金額特定媒体に基づいて前記振込金額特定情報が取得できた場合に、前記決済金額情報を含む振込要求を前記振込先情報が示す振込先へ送信する を備えた振込処理方法。 A transfer processing method comprising transmitting a transfer request including the settlement amount information to the transfer destination indicated by the transfer destination information when the transfer amount identification information can be acquired based on the transfer amount specifying medium. The terminal device is The terminal device is
    Acquire payment information including at least payment amount information and transferee information from the payment information storage medium, Acquire payment information including at least payment amount information and transferee information from the payment information storage medium,
    The transfer amount specifying information based on the transfer amount specifying medium which is a physical medium owned by the transfer user using the own device is acquired via the transfer amount depositing device provided in the own device, The transfer amount specifying information based on the transfer amount specifying medium which is a physical medium owned by the transfer user using the own device is acquired via the transfer amount depositing device provided in the own device,
    Transmitting the transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specifying information can be acquired based on the transfer amount specifying medium. Transmitting the transfer request including the payment amount information to the transfer destination indicated by the transfer destination information when the transfer amount specifying information can be acquired based on the transfer amount specifying medium.
  9. 端末装置のコンピュータに、
    決済金額情報と振込先情報とを少なくとも含む支払情報を支払情報記憶媒体から取得し、
    自装置を利用する振込ユーザの所持する物理媒体である振込金額特定媒体に基づく振込金額特定情報を、前記自装置に備わる振込金額入金装置を介して取得し、
    前記振込金額特定媒体に基づいて前記振込金額特定情報が取得できた場合に、前記決済金額情報を含む振込要求を前記振込先情報が示す振込先へ送信する、

    処理を実行させるプログラム。 A program that executes processing. In the terminal computer, In the terminal computer,
    Acquire payment information including at least payment amount information and transferee information from the payment information storage medium, Acquire payment information including at least payment amount information and transferee information from the payment information storage medium,
    The transfer amount specifying information based on the transfer amount specifying medium which is a physical medium owned by the transfer user using the own device is acquired via the transfer amount depositing device provided in the own device, The transfer amount specifying information based on the transfer amount specifying medium which is a physical medium owned by the transfer user using the own device is acquired via the transfer amount depositing device provided in the own device,
    When the transfer amount specifying information can be acquired based on the transfer amount specifying medium, a transfer request including the payment amount information is transmitted to the transfer destination indicated by the transfer destination information. When the transfer amount specifying information can be acquired based on the transfer amount specifying medium, a transfer request including the payment amount information is transmitted to the transfer destination indicated by the transfer destination information.
    A program that runs a process. A program that runs a process.
PCT/JP2018/045086 2017-12-12 2018-12-07 Terminal apparatus, automatic teller machine, transfer processing method, and program WO2019117034A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
JP2017238025A JP6801917B2 (en) 2017-12-12 2017-12-12 Automatic teller machine, transfer processing method, program
JP2017-238025 2017-12-12

Publications (1)

Publication Number Publication Date
WO2019117034A1 true WO2019117034A1 (en) 2019-06-20

Family

ID=66820249

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2018/045086 WO2019117034A1 (en) 2017-12-12 2018-12-07 Terminal apparatus, automatic teller machine, transfer processing method, and program

Country Status (2)

Country Link
JP (1) JP6801917B2 (en)
WO (1) WO2019117034A1 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002109421A (en) * 2000-09-28 2002-04-12 Denso Corp Payment method and payment system using portable terminal
JP2005302047A (en) * 2005-04-28 2005-10-27 Bank Of Tokyo-Mitsubishi Ltd Settlement method, terminal for settlement, settlement system, computer program and recording medium
JP2009020664A (en) * 2007-07-11 2009-01-29 Oki Electric Ind Co Ltd Automatic transaction device and portable terminal equipment

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002109421A (en) * 2000-09-28 2002-04-12 Denso Corp Payment method and payment system using portable terminal
JP2005302047A (en) * 2005-04-28 2005-10-27 Bank Of Tokyo-Mitsubishi Ltd Settlement method, terminal for settlement, settlement system, computer program and recording medium
JP2009020664A (en) * 2007-07-11 2009-01-29 Oki Electric Ind Co Ltd Automatic transaction device and portable terminal equipment

Also Published As

Publication number Publication date
JP2019106004A (en) 2019-06-27
JP6801917B2 (en) 2020-12-16

Similar Documents

Publication Publication Date Title
US10716675B2 (en) Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
US10600069B2 (en) Gift card exchange kiosks and associated methods of use
US20180357637A1 (en) Authentication token for wallet based transactions
US9286606B2 (en) Wireless mobile communicator for contactless payment on account read from removable card
US20170323298A1 (en) System and method for securely transferring funds between persons
CA2925265C (en) Electronic voucher ticket system
AU2012372778B2 (en) Methods and systems for performing a financial transaction using a mobile communication device
US9589269B2 (en) Cardless payment transactions
US8977234B2 (en) Using low-cost tags to facilitate mobile transactions
US8831981B2 (en) Electronic transaction record distribution system
JP6400270B2 (en) Self-service terminal device transaction
US20160104157A1 (en) Method for producing a transaction signal
CN103282929B (en) Method and system for operating mobile device to complete ATM transaction of account holder
EP2788938B1 (en) Network-accessible point-of-sale device instance
EP1209639B1 (en) Net shopping method, system therefor, and automatic payment transfer device
JP5586033B2 (en) Electronic payment system for automated equipment
US9292870B2 (en) System and method for point of service payment acceptance via wireless communication
JP6151916B2 (en) Indicia reader system and automatic information distribution system to mobile devices
US20160005027A1 (en) Method and apparatus for automated ordering and payment
US10592878B1 (en) Smart chaining
US20120317035A1 (en) Processing transactions with an extended application id and dynamic cryptograms
US8985445B2 (en) Payment transaction receipt system and method
US8020756B2 (en) Authorization system and method
US10671996B2 (en) Systems and methods for providing pre-paid multicards
US20090076934A1 (en) Personalized customer transaction system

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18889900

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE