Transaction system, transaction method, and program

Abstract

To make it possible to easily and safely submit information required for various procedures to a customer via an automatic teller machine.SOLUTION: A transaction system includes: customer specific information acquisition means for acquiring customer specific information from media presented by a customer; authentication means for referring to the customer specific information to a partner system and performing authentication for specifying the customer; customer information acquisition means for acquiring customer information from an identity verification document presented by the customer when authentication for specifying the customer is successful; and customer information transmission means for transmitting the customer information to the partner system.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present invention relates to a trading system, a trading method, and a program. [Background technology]

[0002] Automated teller machines (hereafter referred to as ATMs) are widely installed not only in financial institutions but also in public spaces such as convenience stores, commercial facilities, stations, and airports, and have become an indispensable part of people's lives, functioning as a part of social infrastructure.

[0003] For example, Patent Document 1 describes an automated teller machine that functions as an automated teller machine for performing deposit / withdrawal and transfer transactions, etc., and also has the function of reading personal identification documents and carrying out various transactional tasks, such as opening a new account, filing reports for lost cards, address changes, name changes, etc. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2017-84195 A Summary of the Invention [Problem to be solved by the invention]

[0005] In the automated transaction device described in Patent Document 1, when a customer makes various notification transactions, audio and visual communication is initiated between the customer and an attendant, and the customer is required to either prepare the notification form by handwriting input while receiving operational assistance, or the attendant is required to prepare the notification form by inputting information on the customer's behalf while listening to the information to be filled in by the customer.

[0006] The present invention has been made in consideration of the above-mentioned circumstances, and has an object to enable information required for various procedures to be submitted to a business partner simply and safely via an automated teller machine. [Means for solving the problem]

[0007] The transaction system of the present invention comprises a customer identification information acquisition means for acquiring customer identification information from a medium presented by a customer, an authentication means for querying an affiliated system for the customer identification information and authenticating the customer, a customer information acquisition means for acquiring customer information from an identification document presented by the customer if the customer identification authentication is successful, and a customer information transmission means for transmitting the customer information to the affiliated system.

[0008] The transaction method of the present invention includes the steps of: a computer acquiring customer-specific information from a medium presented by a customer; a computer querying an affiliated system for the customer-specific information and performing customer-specific authentication; a computer acquiring customer information from an identification document presented by the customer if the customer-specific authentication is successful; and a computer transmitting the customer information to the affiliated system.

[0009] The program of the present invention causes a computer to function as a customer identification information acquisition means for acquiring customer identification information from a medium presented by a customer, an authentication means for querying an affiliated system for the customer identification information and performing customer identification authentication, a customer information acquisition means for acquiring customer information from an identification document presented by the customer if the customer identification authentication is successful, and a customer information transmission means for transmitting the customer information to the affiliated system. Effect of the Invention

[0010] According to the present invention, it is possible to easily and safely submit information required for various procedures to a business partner via an automated teller machine. [Brief description of the drawings]

[0011] [Figure 1] 1 is a block diagram showing a configuration of a trading system 1 according to one embodiment of the present invention. [Diagram 2] 1 is a diagram showing the appearance of an ATM 10 according to an embodiment of the present invention. [Diagram 3]FIG. 2 is a block diagram showing the functional configuration of an ATM 10 and an information processing server 30 according to an embodiment of the present invention. [Figure 4] 1 is a sequence diagram showing the flow of transaction processing by a transaction system 1 according to one embodiment of the present invention. [Diagram 5] FIG. 2 is a diagram illustrating screen transitions of an ATM 10 during transaction processing by a transaction system 1 according to one embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. Note that the same elements are given the same reference numerals and duplicated explanations will be omitted.

[0013] Embodiment Fig. 1 is a block diagram showing a configuration of a transaction system 1 according to an embodiment of the present invention. As shown in Fig. 1, the transaction system 1 includes an ATM 10 installed in a commercial facility or the like, an information processing server 30 installed in a management center or the like, and a partner system 40. The ATM 10 and the information processing server 30, and the information processing server 30 and the partner system 40 are connected via a communication network. The communication network may be, for example, the Internet, a LAN, a leased line, a telephone line, an in-house network, a mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, or a combination thereof, and may be either wired or wireless.

[0014] 2 is a diagram showing the external appearance of the ATM 10. The ATM 10 includes a main display unit 101, a card reading unit 102 that accepts magnetic cards such as cash cards, a banknote deposit / withdrawal unit 103 that deposits and withdraws banknotes, an operation unit 104 operated by a user, a code reading unit 105 that reads codes such as barcodes and two-dimensional codes, an optical reading unit 106, a stand 107, a sub-display unit 108, a non-contact IC communication unit 109, and a camera 110.

[0015] The main display unit 101 has, for example, a display means such as a liquid crystal display, and an input means such as a touch panel for receiving input from a user. A screen for guiding a user's operation and input keys are displayed on the display means, and the user can input information corresponding to the input keys by pressing the input keys on the touch panel. Note that the user can input similar information by operating the input means (such as a numeric keypad) of the operation unit 104 instead of the input means displayed on the main display unit 101.

[0016] The optical reading unit 106 is, for example, an image scanner, and can read as an image the photograph or characters attached to the face of an IC card or the like placed on the stand 107. The stand 107 has a surface that is approximately horizontal to the ground, and the optical reading unit 106 can obtain an image of a certain quality without being affected by hand shake or the like.

[0017] Sub-display unit 108 has a display means such as a liquid crystal display, and is installed on the surface of stand 107. Sub-display unit 108 may have only a display means, or may have an input means in addition to a display means, similar to main display unit 101. Sub-display unit 108 may display, for example, a screen that guides the position to place an IC card or the like to be read by optical reading unit 106. This allows even a user who is unfamiliar with operating ATM 10 to operate smoothly without hesitation.

[0018] The contactless IC communication unit 109 is, for example, a contactless IC reader / writer, and is installed inside the stand 107. The contactless IC communication unit 109 performs contactless communication with a contactless IC chip mounted on an IC card or the like, and can read and write information stored in the contactless IC chip. When an IC card or the like is placed on the stand 107, the contactless IC communication unit 109 can communicate with the contactless IC chip.

[0019] The camera 110 is a camera device capable of taking moving or still images, and is installed so as to be able to take a facial image of a user who operates the ATM 10.

[0020] Fig. 3 is a block diagram showing the functional configuration of an ATM 10 and an information processing server 30 according to an embodiment of the present invention. The ATM 10 includes a control device 20 inside a housing. The control device 20 includes, as hardware, a processor such as a CPU, memories such as ROM and RAM, an input interface, an output interface, a communication interface, and buses connecting these. The control device 20 realizes various functions by the processor executing programs stored in the memory or the like. As shown in Fig. 3, functional modules realized by the control device 20 include a customer specific information acquisition unit (customer specific information acquisition means) 201, a customer information acquisition unit (customer information acquisition means) 202, and a customer specific key generation unit (customer specific key generation means) 203.

[0021] The information processing server 30 may be composed of one computer, or may be composed of multiple computers distributed on a communication network. As shown in FIG. 1, the information processing server 30 includes a control device 31 and a storage device 32. The control device 31 includes, as hardware, a processor such as a CPU, memories such as ROM and RAM, an input interface, an output interface, a communication interface, and buses connecting these. The control device 31 realizes various functions by the processor executing a program stored in the memory or the like. As shown in FIG. 3, the functional modules realized by the control device 31 include an authentication unit (authentication means) 301 and a customer information transmission unit (customer information transmission means) 302. The storage device 32 is a hard disk drive or the like, and various applications and databases are stored in it.

[0022] The partner system 40 is a system of a partner such as a financial institution (e.g., another financial institution) that manages the ATM 10 and the information processing server 30, and includes one or more computers. The partner system 40 is connected to the information processing server 30 via a communication network. The partner system 40 receives information identifying a customer who will perform a transaction using the ATM 10 from the information processing server 30 and performs authentication to identify the customer. The partner system 40 also receives information obtained from the customer's identification document at the ATM 10 from the information processing server 30. Note that the configuration of the partner system 40 varies depending on the partner, and the system that performs authentication to identify the customer and the system that receives the information obtained from the customer's identification document may be the same system or different systems.

[0023] Next, the operation of the transaction system 1 will be described with reference to the sequence diagram of Fig. 4. Here, the operation will be described by taking as an example the case where a customer Y of an affiliated financial institution X uses an ATM 10 to carry out a procedure for changing his / her address.

[0024] First, a menu screen as shown in FIG. 5(A) is displayed on the main display unit 101, and when customer Y operates the touch panel to select "change address, etc." (step S101), a message prompting the insertion of a cash card (medium) is displayed on the screen. When customer Y inserts a cash card of financial institution X into the card reading unit 102 of the ATM 10 (step S102), a message prompting the input of a PIN is displayed on the screen. When customer Y operates the touch panel or numeric keypad to input the PIN (step S103), the ATM 10 transmits, for example, a balance inquiry message to the information processing server 30 (step S104). The transmitted message includes customer specific information (here, the account number and PIN) read from the cash card.

[0025] The information processing server 30 transmits the message received from the ATM 10 to the partner system 40 of the financial institution X and requests a balance inquiry (step S105). When the partner system 40 of the financial institution X receives the balance inquiry message, it performs authentication to identify the customer Y using the account number and PIN of the customer Y included in the message (step S106). If the authentication to identify the customer Y is successful, it transmits a balance inquiry response message to the information processing server 30 (step S107). When the information processing server 30 receives the balance inquiry response message, it notifies the ATM 10 that the authentication to identify the customer has been successful (step S108). If the authentication to identify the customer has failed, the partner system 40 notifies the information processing server 30 that the authentication to identify the customer has failed, and the information processing server 30 notifies the ATM 10 that the authentication to identify the customer has failed. The ATM 10 displays a message to the main display unit 101 to the effect that the authentication to identify the customer has failed.

[0026] When the ATM 10 receives a notification that the customer identification authentication was successful, it displays a screen for selecting an identification document on the main display unit 101, as shown in Fig. 5(B). As shown in Fig. 5(B), the identification document may be selected from among My Number Card, driver's license, residence card, special permanent resident certificate, etc. When customer Y operates the touch panel to select an identification document (e.g., My Number Card) (step S109), a message is displayed on the screen urging the customer to place the identification document on the stand 107.

[0027] When the customer Y places the My Number card on the stand 107 (step S110), the ATM 10 acquires customer information from the identification document (step S111). The customer information is, for example, the information written on the identification document (such as name, address, and date of birth). The information written on the document may be written on the surface of the document or stored in an IC chip attached to the document. The ATM 10 transmits the acquired customer information to the information processing server 30 (step S112). At this time, the ATM 10 may generate a customer identification key and transmit it to the information processing server 30 together with the information written on the document. The customer identification key may be any key that can identify the customer Y at the affiliated financial institution X, and may be, for example, a number including the account number of the customer Y at the financial institution X. Specifically, the customer identification key may be a combination of the branch number and the account number, or an account number to which the ATM 10 device number or the transaction date has been added.

[0028] The ATM 10 may also display a screen on the main display unit 101 that prompts customer Y to enter attribute information (such as a telephone number) other than the information that can be obtained as information on the document, and prompt the customer Y to enter the information. As shown in FIG. 5(C), the document information obtained from the personal identification document and information directly entered by customer Y may be displayed on the main display unit 101, and the customer may be prompted to confirm the contents before sending the information to the information processing server 30. At this time, the information directly entered may be allowed to be corrected. For example, in the example of FIG. 5(C), "furigana" and "telephone number" are items directly entered by customer Y, and therefore can be corrected.

[0029] The information processing server 30 transmits the customer information (customer identification key, document description, directly inputted information, etc.) received from the ATM 10 to the affiliated system 40 of financial institution X (step S113). As for the document description information, the information read from the personal identification document may be automatically converted into electronic data, or the data may be input by an operator or the like.

[0030] The business partner system 40 can process transactions (such as address changes) using the information received from the information processing server 30. At this time, the business partner system 40 can easily identify the customer by using the customer identification key attached to the received information.

[0031] In the above embodiment, the customer is identified at the partner by the customer presenting a cash card, but the medium used for customer identification is not limited to a cash card. For example, it may be code information issued in advance to the customer by the partner. The code information may include customer identification information (such as a customer number or a one-time transaction number), and the customer identification information included in the code information may be transmitted to the partner system 40 by having the ATM 10 read the code information. The customer himself may input the customer identification information. For example, it may be input via the operation unit 104 of the ATM 10 or via a touch panel displayed on the main display unit 101.

[0032] As described above, according to this embodiment, customer identification information obtained from the customer's cash card or the like in the ATM 10 is transmitted to the partner system 40 to authenticate the customer, and if the customer identification authentication is successful, customer information is obtained from the identity verification document presented by the customer and transmitted to the partner system 40. This allows the customer to easily and safely submit personal information required for various procedures at the partner to the partner from the ATM 10.

[0033] In addition, when transmitting customer information to the partner system 40, a customer identification key generated using the customer identification information is also transmitted, so that the partner can easily identify which customer the received customer information pertains to.

[0034] Furthermore, among the customer information, information that can be obtained from the identification documents is entered automatically or by an operator, and only the remaining information is entered by the customer, thereby simplifying the input operation by the customer himself and reducing the burden.

[0035] The present invention is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the scope of the present invention. Therefore, the above-described embodiment is merely an example in every respect, and should not be interpreted as being restrictive. For example, the order of each of the above-described processing steps can be arbitrarily changed or executed in parallel as long as no contradiction occurs in the processing content. [Explanation of symbols]

[0036] 1. Trading system 10...ATM 20...Control device 30…Information processing server 31...Control device 32…Storage device 40…Partner system 101...Main display 102…Card reader 103…Banknote deposit and withdrawal section 104...Operation unit 105…Code reader 106...Optical reading unit 107…Stand 108...Sub display 109…Non-contact IC communication department 110…Camera 201…Customer specific information acquisition department 202…Customer information acquisition department 203...Customer specific key generation unit 301...Authentication department 302…Customer information transmission department

Claims

1. A customer identification information acquisition means for acquiring customer identification information from a medium presented by a customer; an authentication means for inquiring the customer identification information to a partner system and authenticating the customer identification; a customer information acquiring means for acquiring customer information from an identification document presented by the customer when the authentication of identifying the customer is successful; A transaction system comprising: a customer information transmitting means for transmitting the customer information to the partner system.

2. a customer identification key generating means for generating a customer identification key using the customer identification information, The customer information transmission means includes:

2. The transaction system of claim 1, further comprising transmitting said customer specific key to said partner system together with said customer information.

3. The customer information acquisition means includes:

3. The transaction system according to claim 1, further comprising: a receiving section for receiving information other than the customer information obtainable from the customer identification document through an input operation by the customer.

4. acquiring, by a computer, customer specific information from a medium presented by the customer; a step of the computer querying the customer identification information to a partner system and authenticating the customer identification; a step of acquiring customer information from an identification document presented by the customer by the computer when the authentication of identifying the customer is successful; A transaction method comprising a step of transmitting the customer information to the partner system by a computer.

5. Computer, A customer identification information acquisition means for acquiring customer identification information from a medium presented by a customer; an authentication means for inquiring the customer identification information to a partner system and authenticating the customer identification; a customer information acquiring means for acquiring customer information from an identification document presented by the customer when the authentication of identifying the customer is successful; A program that functions as a customer information transmitting means for transmitting the customer information to the partner system.

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