Financial institution server, method, program, and self-transaction system

Abstract

To allow customers to safely conduct transactions by themselves at the storefront of a financial institution.SOLUTION: A financial institution server according to one embodiment of the present invention includes an identification information issuing unit that transmits information for identifying a storefront terminal installed at the storefront of a financial institution to the storefront terminal, an authentication unit that receives authentication information from a customer terminal and performs authentication, an identification information acquisition unit that receives information for identifying the storefront terminal from the customer terminal, and a transaction unit that conducts a transaction that is input to the storefront terminal when the authentication is successful.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to a financial institution server, a method, a program, and a self-service transaction system. [Background technology]

[0002] Conventionally, at the counters of financial institutions such as banks, employees such as bank clerks process various transactions at the request of customers who visit the bank. When conducting transactions with financial institutions, customers are required to be identified, and identity verification is performed by stamping a seal on paper documents or visually inspecting the documents by employees. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-189969 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in recent years, there has been a trend to reduce the number of staff required for such counter operations, and there is a demand for customers to be able to trade safely by themselves at financial institutions' branches.

[0005] Therefore, an object of the present invention is to enable customers to safely carry out transactions by themselves at the counter of a financial institution. [Means for solving the problem]

[0006] A financial institution server according to one embodiment of the present invention includes an identification information issuing unit that transmits information for identifying a point-of-sale terminal installed at a financial institution's store to the point-of-sale terminal, an authentication unit that receives authentication information from a customer terminal and performs authentication, an identification information acquisition unit that receives information for identifying the point-of-sale terminal from the customer terminal, and a transaction unit that executes a transaction input to the point-of-sale terminal if the authentication is successful. Effect of the Invention

[0007] According to the present invention, a customer can safely carry out a transaction by himself / herself at a financial institution's counter. [Brief description of the drawings]

[0008] [Figure 1] 1 is a diagram showing an overall configuration according to an embodiment of the present invention; [Diagram 2] FIG. 2 is a functional block diagram of a financial institution server according to an embodiment of the present invention. [Diagram 3] 4 is an example of data stored in an identification information storage unit according to an embodiment of the present invention. [Figure 4] 4 is an example of data stored in an authentication information / account information storage unit according to one embodiment of the present invention. [Diagram 5] FIG. 2 is a functional block diagram of a point-of-sale terminal according to an embodiment of the present invention. [Figure 6] FIG. 2 is a functional block diagram of a customer terminal according to an embodiment of the present invention. [Figure 7] FIG. 2 is a sequence diagram of a self-service transaction process according to an embodiment of the present invention. [Figure 8] 13 is an example of a screen displayed on a point-of-sale terminal according to an embodiment of the present invention. [Figure 9] 13 is an example of a screen displayed on a customer terminal according to an embodiment of the present invention. [Figure 10] This is a hardware configuration diagram of a financial institution server (self-service transaction server, Internet banking authentication server), in-store terminal, and customer terminal in one embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] <Terminology explanation> In this specification, a "transaction" is any transaction conducted between a financial institution and a customer. For example, transactions include bank transfers, account transfers, confirmation of balances and deposit / withdrawal details, payment of taxes and utility bills, changes to registered information (e.g., address, name, PIN, etc.), procedures in the event of loss or theft, etc.

[0010] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[0011] <Overall composition> Fig. 1 is a diagram showing the overall configuration according to one embodiment of the present invention. The self-service transaction system 1 is a system for customers (customers 31A, 31B, and 31C (collectively referred to as customers 31) in the example of Fig. 1) who visit each branch (branch 1 and branch 2 in the example of Fig. 1) of a financial institution to carry out transactions at the branch by themselves.

[0012] The self-service transaction system 1 includes a financial institution server 10 and a storefront terminal 20 installed at the storefront of each branch of the financial institution. Each of these will be described below.

[0013] <<Financial institution server>> The financial institution server 10 includes a self-service transaction server 11 and an Internet banking authentication server 12 .

[0014] The self-service transaction server 11 is a server that executes a transaction input to the point-of-sale terminal 20 when authentication using authentication information obtained from the customer terminal 30 by the internet banking authentication server 12 is successful. The self-service transaction server 11 is composed of one or more computers.

[0015] The internet banking authentication server 12 is a server that performs authentication when the customer 31 uses the internet banking service. The internet banking authentication server 12 is made up of one or more computers.

[0016] Although the self-service transaction server 11 and the Internet banking authentication server 12 are described in this specification as separate servers, the self-service transaction server 11 and the Internet banking authentication server 12 may be implemented as a single server.

[0017] <<Store terminal>> The in-store terminal 20 is a computer installed at a storefront of a financial institution's branch (in the example of FIG. 1, storefront terminal 20A and storefront terminal 20B are installed at store 1, and storefront terminal 20C is installed at store 2 (collectively referred to as storefront terminal 20)). For example, the in-store terminal 20 is a tablet or the like. It is assumed that one or more in-store terminals 20 are installed at the storefront of each branch.

[0018] <<Customer terminal>> The customer terminal 30 is a computer carried by a customer 31 who visits a branch of the financial institution (in the example of FIG. 1, it is assumed that customer 31A carries customer terminal 30A, customer 31B carries customer terminal 30B, and customer 31C carries customer terminal 30C (collectively referred to as customer terminal 30)). For example, the customer terminal 30 is a smartphone or the like.

[0019] <Function block> 2 is a functional block diagram of financial institution server 10 according to one embodiment of the present invention. Financial institution server 10 includes an identification information issuing unit 101, an authentication unit 102, an identification information acquiring unit 103, a transaction unit 104, an identification information storage unit 105, and an authentication information / account information storage unit 106. Financial institution server 10 functions as identification information issuing unit 101, authentication unit 102, identification information acquiring unit 103, and transaction unit 104 by executing a program.

[0020] For example, the self-transaction server 11 comprises an identification information issuing unit 101, a transaction unit 104, and an identification information storage unit 105, and the Internet banking authentication server 12 comprises an authentication unit 102, an identification information acquisition unit 103, and an authentication information / account information storage unit 106.

[0021] The identification information issuing unit 101 issues information for identifying a store terminal installed at a storefront of a financial institution and transmits it to the storefront terminal 20. For example, the information for identifying the storefront terminal is assumed to be converted into a code (e.g., QR code (registered trademark)) that can be read by the customer terminal 30.

[0022] The authentication unit 102 receives authentication information from the customer terminal 30 and performs authentication (specifically, collating it with the authentication information stored in the authentication information / account information storage unit 106). For example, the authentication information is authentication information used for authentication of Internet banking (e.g., ID and password for logging in to Internet banking, one-time password for transactions via Internet banking, etc.).

[0023] The identification information acquisition unit 103 receives information for identifying the in-store terminal from the customer terminal 30 (for example, information included in a code displayed on the in-store terminal 20 that is read by the customer terminal 30).

[0024] If authentication by the authentication unit 102 is successful, the transaction unit 104 executes the transaction (specifically, a transaction related to the account identified by the authentication information used for authentication by the authentication unit 102) input to the in-store terminal 20 (specifically, the in-store terminal 20 identified by the information acquired by the identification information acquisition unit 103).

[0025] The identification information storage unit 105 stores information issued by the identification information issuing unit 101 for identifying the in-store terminal.

[0026] The authentication information / account information storage unit 106 stores authentication information of the customer 31 (e.g., authentication information used for authentication of Internet banking (e.g., ID and password when logging in to Internet banking, one-time password when conducting transactions via Internet banking, etc.)) and account information of the customer 31 (e.g., branch number, account number, name, etc.).

[0027] FIG. 3 is an example of data stored in the identification information storage unit 105 according to an embodiment of the present invention.

[0028] The "information for identifying a point-of-sale terminal" is information for identifying a point-of-sale terminal installed at a financial institution's point-of-sale terminal.

[0029] The “identifier” in the “information for identifying the in-store terminal” is an identifier given to each in-store terminal 20.

[0030] The "code" of the "information for identifying the in-store terminal" is data obtained by converting the "identifier" into a code (e.g., a QR code) that can be read by the customer terminal 30. The "code" may also be data obtained by converting the "identifier" and the "issue date and time" into a code (e.g., a QR code) that can be read by the customer terminal 30.

[0031] "Transaction" indicates whether or not a transaction using the "code" has been completed. When a transaction using the "code" is completed, the transaction unit 104 changes the information of "Transaction" from "Incomplete" to "Completed."

[0032] The "issue date and time" is the date and time when the identification information issuing unit 101 transmitted to the in-store terminal 20 information for identifying the in-store terminal installed at the in-store of the financial institution.

[0033] The code may be valid until the "transaction" using the code is completed (i.e., when the transaction is completed, the code becomes invalid). Alternatively, the code may be valid until a new code is displayed on the in-store terminal 20, or may be valid for a predetermined period from the date and time of issue.

[0034] FIG. 4 is an example of data stored in the authentication information / account information storage unit 106 according to one embodiment of the present invention.

[0035] "Account information" is information about an account (e.g., branch number, account number, name, etc.).

[0036] "ID", "Password", and "One-Time Password" are authentication information used for authenticating Internet banking and are linked to the account in "Account Information".

[0037] "ID" is the ID used to log in to Internet banking. For example, "ID" can be a contract number, or a branch number and account number.

[0038] "Password" is the password used to log in to Internet banking.

[0039] A "one-time password" is a one-time password used when conducting online banking transactions.

[0040] 5 is a functional block diagram of the in-store terminal 20 according to one embodiment of the present invention. The in-store terminal 20 includes an identification information presenting unit 201, a transaction accepting unit 202, and a transaction requesting unit 203. The in-store terminal 20 functions as the identification information presenting unit 201, the transaction accepting unit 202, and the transaction requesting unit 203 by executing a program.

[0041] The identification information presenting unit 201 receives and displays information (eg, a QR code) issued by the financial institution server 10 for identifying the point-of-sale terminal.

[0042] The transaction acceptance unit 202 accepts a transaction. Specifically, the transaction acceptance unit 202 acquires information necessary for the transaction that is input to the in-store terminal 20 by the customer 31.

[0043] The transaction request unit 203 requests the financial institution server 10 to execute a transaction (specifically, a transaction accepted by the transaction acceptance unit 202) when authentication using authentication information from the customer terminal 30 that reads the information for identifying the in-store terminal displayed by the identification information presentation unit 201 is successful.

[0044] 6 is a functional block diagram of a customer terminal 30 according to an embodiment of the present invention. The customer terminal 30 includes a reading unit 301 and an authentication request unit 302. The customer terminal 30 functions as the reading unit 301 and the authentication request unit 302 by executing a program.

[0045] The reading unit 301 reads information (for example, a QR code) for identifying a point-of-sale terminal, which is displayed on a point-of-sale terminal 20 installed at a financial institution's point-of-sale terminal.

[0046] The authentication request unit 302 transmits information for identifying the point-of-sale terminal (e.g., information read by the reading unit 301) and authentication information to the financial institution server 10, and requests the point-of-sale terminal 20 to execute the transaction entered if authentication is successful.

[0047] <Processing method> FIG. 7 is a sequence diagram of a self-service transaction process according to one embodiment of the present invention.

[0048] In step 1 (S1), the customer 31 inputs an instruction to the point-of-sale terminal 20 to start a transaction.

[0049] In step 2 (S2), the in-store terminal 20 transmits to the self-service transaction server 11 the instruction to start the transaction input in S1.

[0050] In step 3 (S3), the self-service transaction server 11 issues information for identifying the in-store terminal that is the source of the instruction to start the transaction received in S2.

[0051] In step 4 (S4), the self-service transaction server 11 transmits the information for identifying the in-store terminal issued in S3 (for example, a QR code) to the in-store terminal 20 (the in-store terminal that is the source of transmission of S2).

[0052] In step 5 (S5), the in-store terminal 20 displays the information (for example, a QR code) for identifying the in-store terminal received in S4.

[0053] It should be noted that S1 to S5 may be executed after S8.

[0054] In step 6 (S6), the customer 31 inputs authentication information (for example, a contract number, or an ID such as a branch number and an account number, and a password) into the customer terminal 30.

[0055] In step 7 (S7), the customer terminal 30 transmits to the internet banking authentication server 12 the authentication information (ID and password) entered in S6.

[0056] In step 8 (S8), the internet banking authentication server 12 performs authentication using the ID and password received in S7. If the authentication in S8 is successful, step 9 is executed.

[0057] In step 9 (S9), the customer terminal 30 reads the information (for example, a QR code) for identifying the in-store terminal that was displayed on the in-store terminal 20 in S5.

[0058] In step 10 (S10), the customer terminal 30 transmits to the internet banking authentication server 12 the information for identifying the point-of-sale terminal read in S9 and the authentication information (one-time password).

[0059] In addition, the customer terminal 30 can automatically generate a one-time password and transmit it to the Internet banking authentication server 12 in response to reading the information for identifying the point-of-sale terminal.

[0060] In step 11 (S11), the Internet banking authentication server 12 executes authentication using the one-time password received in S10. After the authentication in S11, the financial institution server 10 may notify the customer 31 of the authentication by sending a message to the customer's email address or the like.

[0061] In step 12 (S12), the Internet banking authentication server 12 transmits to the self-transaction server 11 the results of the authentication in S8 and S11 (specifically, that the authentication was successful), the information for identifying the in-store terminal received in S10, and the account information (specifically, the account information linked to the authentication information received in S7 and S10 in the authentication information / account information storage unit 106).

[0062] In step 13 (S13), the self-transaction server 11 transmits the account information (specifically, the account information received in S12) to the in-store terminal 20 (specifically, the in-store terminal identified by the information for identifying the in-store terminal received in S12).

[0063] In step 14 (S14), the customer 31 inputs the information necessary for the transaction into the customer terminal 30 (a screen similar to step 2003 in Figure 8 generated by the self-transaction server 11, displaying the account information received in S13).

[0064] In step 15 (S15), the customer terminal 30 transmits to the self-service transaction server 11 information required for the transaction input in S14 (ie, the transaction using the account information received in S13).

[0065] In step 16 (S16), the self-transaction server 11 executes the transaction requested in S15 (i.e., the transaction using the account information received in S12 and entered into the in-store terminal 20 identified by the information for identifying the in-store terminal received in S12).

[0066] The financial institution server 10 may manage a history of authentication performed in S11, so that the customer 31 and employees such as bank staff can inquire about the authentication history.

[0067] FIG. 8 is an example of a screen displayed on the in-store terminal 20 according to an embodiment of the present invention.

[0068] In step 2001 (S2001), a screen for inputting an instruction to start a transaction (S1 in FIG. 7) is displayed. The customer 31 can select a desired transaction on the screen of S2001.

[0069] In step 2002 (S2002), information for identifying the in-store terminal (for example, a QR code) is displayed (S5 in FIG. 7).

[0070] In step 2003 (S2003), a screen for inputting information required for the transaction (S14 in FIG. 7) is displayed. The customer 31 inputs the information required for the transaction on the screen of S2003. The account information transmitted by the self-service transaction server 11 to the in-store terminal 20 in S13 in FIG. 7 is displayed on the screen of S2003.

[0071] In step 2004 (S2004), when the transaction in S2003 is executed, a message is displayed indicating that the transaction has been completed.

[0072] FIG. 9 is an example of a screen displayed on the customer terminal 30 according to an embodiment of the present invention.

[0073] In step 3001 (S3001), a screen for inputting authentication information (for example, a contract number, or an ID such as a branch number and an account number, and a password) (S6 in FIG. 7) is displayed.

[0074] Thereafter, the authentication information entered in S3001 (for example, a contract number, or an ID such as a branch number and an account number, and a password) is sent to the Internet banking authentication server 12.

[0075] In step 3002 (S3002), a screen for reading information (for example, a QR code) for identifying the in-store terminal displayed on the in-store terminal 20 (S9 in FIG. 7) is displayed.

[0076] Thereafter, the information for identifying the point-of-sale terminal read in S3002 and the authentication information (one-time password) are sent to the Internet banking authentication server 12.

[0077] <Effects> In one embodiment of the present invention, when a customer makes a transaction at a bank or other financial institution's counter, the customer does not need to bring a seal, passbook, or cash card; instead, the customer can simply bring a customer terminal such as a smartphone and safely conduct the transaction at the financial institution's counter, without having to stamp a seal on paper documents or have an employee visually verify the customer's identity.

[0078] <Hardware configuration> Figure 10 is a hardware configuration diagram of a financial institution server 10 (self-transaction server 11, Internet banking authentication server 12), a storefront terminal 20, and a customer terminal 30 (hereinafter referred to as financial institution server 10, etc.) in one embodiment of the present invention.

[0079] The financial institution server 10 or the like can include a control unit 1001, a main memory unit 1002, an auxiliary memory unit 1003, an input unit 1004, an output unit 1005, and an interface unit 1006. Each of these will be described below.

[0080] The control unit 1001 is a processor (eg, a central processing unit (CPU), a graphics processing unit (GPU), etc.) that executes various programs installed in the auxiliary storage unit 1003.

[0081] The main memory unit 1002 includes a non-volatile memory (Read Only Memory (ROM)) and a volatile memory (Random Access Memory (RAM)). The ROM stores various programs, data, etc. required for the control unit 1001 to execute various programs installed in the auxiliary memory unit 1003. The RAM provides a working area into which the various programs installed in the auxiliary memory unit 1003 are expanded when the control unit 1001 executes them.

[0082] The auxiliary storage unit 1003 is an auxiliary storage device that stores various programs and information used when the various programs are executed.

[0083] The input unit 1004 is an input device through which an operator of the financial institution server 10 or the like inputs various instructions to the financial institution server 10 or the like.

[0084] The output unit 1005 is an output device that outputs the internal state of the financial institution server 10 and the like.

[0085] The interface unit 1006 is a communication device for connecting to a network and communicating with other devices.

[0086] Although the embodiment has been described above, changes in form and details are possible without departing from the spirit and scope of the claims. [Explanation of symbols]

[0087] 1. Self-Trading System 10 Financial institution server 11 Self-Trading Server 12 Internet banking authentication server 20 Point of sale terminal 30 Customer terminal 31 Customer 101 Identification Information Issuance Department 102 Authentication Department 103 Identification information acquisition unit 104 Trading Department 105 Identification information storage unit 106 Authentication information / account information storage unit 201 Identification information presentation unit 202 Transaction Reception Department 203 Transaction Request Section 301 Reading unit 302 Authentication Request Section 1001 Control section 1002 Main memory 1003 Auxiliary storage unit 1004 Input section 1005 Output section 1006 Interface section

Claims

1. an identification information issuing unit that transmits information for identifying a storefront terminal installed at a storefront of a financial institution to the storefront terminal; an authentication unit that receives authentication information from the customer terminal and performs authentication; an identification information acquisition unit that receives information for identifying the in-store terminal from the customer terminal; a transaction unit that executes the transaction input to the point-of-sale terminal if the authentication is successful; A financial institution server equipped with the above.

2. The financial institution server of claim 1 , wherein the transaction unit executes a transaction relating to an account identified by the authentication information input to the point-of-sale terminal identified by the information for identifying the point-of-sale terminal received by the identification information acquisition unit.

3. 2. The financial institution server according to claim 1, wherein the information for identifying the point-of-sale terminal is converted into a code readable by the customer terminal and displayed on the point-of-sale terminal.

4. The financial institution server according to claim 1 , wherein the authentication information is authentication information used for authentication of Internet banking.

5. A method executed by a financial institution server, comprising: transmitting information for identifying a storefront terminal installed at a storefront of the financial institution to the storefront terminal; receiving authentication information from the customer terminal and performing authentication; receiving information for identifying the point-of-sale terminal from the customer terminal; executing the transaction entered into the point-of-sale terminal if the authentication is successful; The method includes:

6. The terminals installed at financial institutions' branches are an identification information presenting unit that receives and displays information for identifying the storefront terminal issued by a financial institution server; a transaction reception unit for receiving transactions; a transaction request section that requests the financial institution server to execute the transaction when authentication based on authentication information from a customer terminal that has read the displayed information for identifying the storefront terminal is successful; A program to function as a

7. Customer terminals, A reading unit that reads information for identifying a storefront terminal displayed on a storefront terminal installed at a storefront of a financial institution; an authentication request unit that transmits information for identifying the point-of-sale terminal and authentication information to a financial institution server and requests the execution of a transaction input to the point-of-sale terminal when authentication is successful; A program to function as a

8. A self-service transaction system including a financial institution server and a storefront terminal installed at a storefront of the financial institution, The financial institution server, an identification information issuing unit that transmits information for identifying the point-of-sale terminal to the point-of-sale terminal; an authentication unit that receives authentication information from the customer terminal and performs authentication; an identification information acquisition unit that receives information for identifying the in-store terminal from the customer terminal; a transaction unit that executes the transaction input to the point-of-sale terminal if the authentication is successful; A self-dealing system with

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