Automatic cash transaction device and method for controlling the same

Abstract

To provide an automatic cash transaction device capable of using internet banking more easily and a method for controlling the same.SOLUTION: An automatic cash transaction device 1 which is connected only to an internet banking system MB and assigned an automatic cash transaction device account which is an account on the internet banking system comprises: a control unit 10, 12; and a mechanism unit 13 for depositing and dispensing cash. The control unit confirms the transaction state of the automatic cash transaction device account through the internet banking system, and controls the mechanism unit in accordance with the transaction state of the automatic cash transaction device account.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a cash automated transaction device and a control method for a cash automated transaction device.

Background Art

[0002] Cash automated transaction devices such as cash dispensers (CDs) or automated teller machines (ATMs) are connected to a management center via a dedicated network. On the other hand, in recent years, so-called Internet banking systems (mobile banking systems) using the Internet have become widespread. Therefore, an ATM system that coexists with the conventional ATM network and Internet banking has been proposed (Patent Documents 1 and 2).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the prior art, since the ATM dedicated network and Internet banking coexist, the manufacturing cost and maintenance cost increase.

[0005] Therefore, an object of the present invention is to provide a cash automated transaction device that can perform deposit and withdrawal using Internet banking and a control method for the cash automated transaction device.

Means for Solving the Problems

[0006] In order to solve the above problems, an automated teller machine according to the present invention is an automated teller machine connected to an Internet banking system, to which an account for the automated teller machine, which is an account on the Internet banking system, is assigned, and includes a control unit and a mechanism unit for depositing and withdrawing cash. The control unit checks the transaction status of the account for the automated teller machine through the Internet banking system, controls the mechanism unit according to the transaction status of the account for the automated teller machine, and exchanges transaction information for conducting transactions via the Internet banking system with a user terminal connected to the Internet banking system.

Advantages of the Invention

[0007] According to the present invention, it is possible to reduce the cost of the automated teller machine and provide Internet banking using the automated teller machine to users.

Brief Description of the Drawings

[0008]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Figure 12

Figure 13

Figure 14

Figure 15

Modes for Carrying Out the Invention

[0009] Hereinafter, embodiments of the present invention will be described with reference to the drawings. In this embodiment, the main network to which the cash automatic transaction device 1 is connected to provide services as a cash automatic transaction device is only the mobile banking system MB as an Internet banking system, and it is not connected to the conventional ATM network (cash automatic deposit and withdrawal machine network). In other words, the cash automatic transaction device 1 of this embodiment is not connected to the ATM network, but is connected to the mobile banking system MB, and provides a cash deposit and withdrawal service to the user via the mobile banking system MB.

[0010] The cash automatic transaction device 1 can also exchange information for using the mobile banking system MB with the user terminal 2 using an information exchange technology at a short distance. As the information exchange technology at a short distance, for example, short-range wireless communication using light or radio can be used. The information for using the mobile banking system MB may include, for example, information about the transaction account (such as information for transactions) and information for security (such as authentication information).

[0011] Note that the cash dispenser 1 may be connected to other communication networks such as a maintenance management network, etc., in aspects other than the cash deposit and withdrawal service, which is a service directly provided to the user.

[0012] The cash dispenser 1 and the user terminal 2 exchange information via the mobile banking system MB, and by performing transfers and the like between the account for the cash dispenser provided on the mobile banking system MB and the user account, the cash dispenser 1 can provide the user who holds the user terminal 2 with a cash deposit and withdrawal service.

[0013] Hereinafter, the ATM 1 will be described as an example of the "cash dispenser". The cash dispenser is not limited to an ATM and may also be a cash dispenser (CD). Further, the mobile banking system MB will be described as an example of the "Internet banking system". The mobile banking system MB is a type of Internet banking system and is a system that conducts transactions with the financial institution system 3 via a mobile device. In the mobile banking system MB, transactions are conducted with the financial institution system 3 via an application program (hereinafter referred to as an application or app) installed on the mobile device.

[0014] The user terminal 2 is a mobile device. The ATM 1 is equipped with an application 11 for realizing the functions of a mobile device. Since the ATM 1 cannot be carried around in the normal sense, it is not a mobile device. However, the ATM 1 is provided with an application 11 for using the mobile banking system MB. For example, a terminal device 10 for realizing a mobile terminal may be provided inside the ATM 1, and the terminal device 10 and the ATM control unit 12 for controlling the ATM mechanism unit 13 may be connected. The ATM 1 can access the mobile banking system MB via the terminal device 10. The application 11 installed on the terminal device 10 can provide the user with a cash deposit and withdrawal service by exchanging information with the ATM control unit 12.

[0015] The terminal device 10, together with the ATM control unit 12 described later, constitutes a "control unit".

Example

[0016] Example 1 will be described with reference to FIGS. 1 to 6. FIG. 1 is an overall configuration diagram of an information processing system including the ATM 1. FIG. 1 shows the case where the user withdraws money from the ATM 1. In the figure, the user's account may be abbreviated as "user account".

[0017] The ATM 1, as an example of a "cash dispenser", is connected to the financial institution system 3 by a mobile banking system MB as an example of an "Internet banking system" and can conduct transactions such as transfers. Similarly, the user terminal 2 is also connected to the financial institution system 3 by the mobile banking system MB and can conduct transactions such as transfers. It should be noted here that FIG. 1 does not include the ATM network for connecting the ATMs owned by ordinary financial institutions.

[0018] The ATM 1 is a device for depositing and withdrawing cash (in-out transactions). The ATM 1 is installed, for example, inside a railway station, inside an airport, a bank, a convenience store, etc.

[0019] The ATM 1 can include, for example, a terminal device 10, an ATM control unit 12, and an ATM mechanism unit 13. The ATM 1 is communicably connected to the financial institution system 3 via the Internet CN.

[0020] The terminal device 10 is a device for accessing the mobile banking system MB, and is provided with a mobile banking app 11. The mobile banking app 11 includes, for example, an account management unit 111 and a money transfer unit 112. The account management unit 111 accesses the account 31 on the mobile banking system MB assigned from the financial institution system 3 and checks transaction records such as transfers. The money transfer unit 112 has a function of transferring the designated amount to the account 32 on the mobile banking system MB assigned to the user from the financial institution system 3.

[0021] The ATM control unit 12 is a device that controls the ATM mechanism unit 13. The ATM control unit 12 includes a processor, a memory, etc. (both not shown), and a sensor unit 121 is connected thereto. The sensor unit 121 includes, for example, a camera, a microphone, a vibration sensor, a temperature sensor, etc.

[0022] The ATM mechanism unit 13 includes, for example, a bill deposit / withdrawal unit, a coin deposit / withdrawal unit, a transport unit, a bill cartridge, a short-range communication unit, a display unit, etc. (all not shown). The sensor unit 121 may be considered as part of the ATM mechanism unit 13.

[0023] The short-range communication unit (not shown) is provided, for example, on the upper surface of the housing of the ATM1. Short-range communication is performed by bringing the user terminal 2 close to the short-range communication unit. The short-range communication method is, for example, NFC (Near Field Communication), but is not limited thereto. Optical communication means such as reading the two-dimensional code displayed on the terminal screen of the user terminal 2 with the camera of the sensor unit 121 may also be used. Also, wireless communication means such as BLE (bluetooth low energy) and UWB (ultra wide band) may be used.

[0024] The user terminal 2 will be described. The user terminal 2 is configured as a computer such as a mobile phone (including so-called smartphones), a personal digital assistant, a tablet computer, a laptop computer, or a wearable terminal.

[0025] The user terminal 2 includes, for example, a mobile banking application 21, an information processing unit 22, a user interface unit 23, and a communication unit 24.

[0026] The mobile banking application 21 is an application for using the mobile banking system MB, and can include, for example, an account management unit 211, a transfer unit 212, and a deposit unit 213. The account management unit 211 is a function for accessing the account 32 on the mobile banking system MB assigned from the financial institution system 3 and checking transaction records. The transfer unit 212 is a function for transferring the amount input by the user to the account 31 on the mobile banking system MB assigned to the ATM 1. The deposit unit 213 is a function for transmitting the start of the deposit transaction to the ATM 1 by the user and the user account 32.

[0027] The information processing unit 22 executes various information processes such as control of the user terminal 2. The information processing unit 22 includes, for example, a processor and a memory (both not shown). The mobile banking application 21 is installed in the memory within the information processing unit 22. In the figure, for convenience, the mobile banking application 21 is described outside the information processing unit 22.

[0028] The user interface unit 23 exchanges information with the user. The user interface unit 23 includes, for example, a monitor display, a touch panel, a microphone, a speaker, and the like.

[0029] The communication unit 24 has a function of communicating with the financial institution system 3 via the Internet CN and a function of communicating with the ATM 1 by short-range communication.

[0030] The financial institution system 3 will be described. The financial institution system 3 is an information processing system managed and operated by a financial institution such as a bank. The financial institution system 3 includes a core system (accounting system) and provides mobile banking services through the mobile banking system MB. The financial institution system 3 manages the account 31 assigned to the ATM 1 and the user account 32 assigned to the user.

[0031] The outline of the withdrawal process in which the user uses the mobile banking system MB to withdraw a desired amount from the ATM 1 will be described. A detailed example will be described later.

[0032] The user who holds the user terminal 2 approaches the ATM 1, activates the transfer section 212 of the mobile banking app 21, and exchanges the reference information for using the mobile banking system MB between the ATM 1 and the user terminal 2 (S0). The reference information is, for example, information that identifies the account of the financial institution.

[0033] Then, the user instructs the withdrawal of the desired amount from the user account 32 on the mobile banking app. The mobile banking app 21 requests the financial institution system 3 to transfer the user's desired amount from the user account 32 to the ATM account 31 (S1). User authentication is performed when using the mobile banking system MB, but the description is omitted here. When the financial institution system 3 receives a transfer request (remittance request) from the user terminal 2, it moves the specified amount from the user account 32 to the ATM account 31 (S2).

[0034] ATM1 accesses the ATM account 31 using the account management unit 111 of the mobile banking application 11 and verifies that a deposit has been made from the user account 32 to the ATM account 31 (S3). ATM1 checks that the remitter to the ATM account 31 is the user account obtained in step S0, and when it can verify that a deposit (transfer) has been made from the user account obtained in step S0, it causes cash corresponding to the deposit amount to be discharged from the discharge port (not shown) of the ATM mechanism unit 13 (S4). The user withdraws the cash from the discharge port (S5). When ATM1 confirms that the cash has been withdrawn from the discharge port, it ends the withdrawal process.

[0035] Figure 2 shows an overview of the process of a user using the mobile banking system MB to deposit money from ATM1 to the user account 32.

[0036] The user approaches ATM1, activates the deposit section 213 of the mobile banking application 21, and causes the user terminal 2 and ATM1 to exchange reference information for using the mobile banking system MB (S0). After that, the user inserts cash in the amount they wish to deposit into the cash insertion slot (not shown) of the ATM mechanism unit 13 (S6).

[0037] When ATM1 detects that cash in a predetermined amount has been inserted, it activates the money transfer section 112 of the mobile banking application 11 of the terminal device 10 and causes a predetermined amount to be transferred from the ATM account 31 to the user account 32 using the mobile banking system MB (S7).

[0038] The user accesses the mobile banking system MB through the account management unit 211 of the mobile banking application 21 and verifies that a predetermined amount has been transferred from the ATM account 31 to the user account 32 (S8). Thereby, the deposit process is completed.

[0039] FIG. 3 is a flowchart showing details of the processing at the time of withdrawal. When the user wishes to withdraw cash from ATM 1 using the mobile banking system MB (when wishing to make a withdrawal), the user approaches ATM 1 to a position where short-range communication is possible and activates the remittance section 212 of the mobile banking application 21 (S110). The user terminal 2 transmits information for conducting a transaction with the user account 32 (first transaction information) to ATM 1 by short-range communication (S111). In this embodiment, an example of a method of transmitting transaction information to ATM 1 by operating the user terminal first is illustrated. However, it is also possible to select "Transaction by User Terminal" on the transaction screen of ATM 1 and transmit the transaction information of ATM 1 to the user terminal first. When ATM 1 receives the first transaction information from the user terminal 2, it transmits information for conducting a transaction with the ATM account 31 (second transaction information) to the user terminal 2 by short-range communication (S112). Thereby, the basic preparation for the user terminal 2 to conduct a transaction using the mobile banking system MB with ATM 1 is completed. Here, the transaction information may be account information such as a financial institution name, account number, branch name, account name, etc., encrypted account information, or a telephone number or email address registered in association with the account information.

[0040] The user inputs the desired withdrawal amount into the remittance section 212 of the mobile banking application 21 (S113) and requests the financial institution system 3 to transfer (remit) the amount from the user account 32 to the ATM account 31 (S114). The remittance section 212 of the user terminal 2 notifies ATM 1 via short-range communication that a remittance instruction has been issued (S115).

[0041] When the financial institution system 3 is requested to transfer from the mobile banking application 21 of the user terminal 2 to the ATM account 31, it causes the specified amount to be transferred from the user account 32 to the specified ATM account 31 (S116).

[0042] When ATM1 receives the notification in step S115 from the user terminal 2, it accesses the mobile banking system MB through the account management unit 111 of the mobile banking app 11 to confirm that a predetermined amount has been deposited (transferred) from the user account 32 to the ATM account 31 (S117). Here, ATM1 confirms not only that the predetermined amount has been deposited, but also that the user account included in the user withdrawal information acquired in S111 matches the account of the remitter.

[0043] If ATM1 can confirm that the user account included in the user withdrawal information acquired in S111 matches the account of the remitter, it causes the ATM mechanism unit 13 to discharge cash corresponding to the amount transferred to the ATM account 31 from the discharge port (S118). When ATM1 confirms that all the cash has been taken out from the discharge port, it normally ends this process (S119). If not all the cash is taken out from the discharge port, error processing such as outputting a warning message is executed.

[0044] Figure 4 is a flowchart showing the changes in the on - hand balance in the ATM and the balances of each account 31, 32 in the mobile banking system MB at the time of cash withdrawal. Details of each step are omitted. In this process, at the start of operation of ATM1, the on - hand balance in the ATM matches the balance of the ATM account 31. That is, the on - hand balance in the ATM is 1 million yen, and the balance of the ATM account is also 1 million yen. The initial value of the balance of the user account is 500,000 yen.

[0045] When the user withdraws 100,000 yen in cash from ATM1, the user sets the withdrawal amount to 100,000 yen (C13) and inputs it to the transfer section 212 (S113). The financial institution system 3 causes 100,000 yen to be transferred from the user account 32 to the ATM account 31 (S116). As a result, the balance of the user account 32 decreases by 100,000 yen to 400,000 yen (C14). The balance of the ATM account 31 increases by 100,000 yen to 1.1 million yen (C15).

[0046] When ATM1 confirms the deposit to ATM account 31 (S117), the deposited cash amount is discharged (S118, C16). When the cash is withdrawn, the on - hand amount in the ATM decreases by 100,000 yen and becomes 900,000 yen (C17).

[0047] Here, when a series of transactions by the mobile banking system MB is completed, the total amount of the on - hand amount of 1 million yen in the ATM and the balance of 1 million yen in ATM account 31 is equal to the total amount of the on - hand amount of 1 million yen in the ATM and the balance of 1 million yen in ATM account 31 at the start of operation. Therefore, based on the total amount of the on - hand amount in the ATM and the balance in ATM account 31, it is possible to determine whether the mobile banking system MB using ATM1 is operating normally and to manage it appropriately.

[0048] Figure 5 is a flowchart showing the process during deposit. When the user deposits cash from ATM1 to his / her own account 32 using the mobile banking system MB, the user approaches ATM1 to a position where short - range communication is possible and activates the deposit section 213 of the mobile banking app 21 (S210). The user terminal 2 transmits the first transaction information for transacting with the user's account 32 to ATM1 by short - range communication (S211). When ATM1 receives the first transaction information from the user terminal 2, it transmits the second transaction information for transacting with ATM account 31 to the user terminal 2 by short - range communication (S212).

[0049] When the user inserts the cash that he / she wishes to deposit from the insertion slot of the ATM mechanism unit 13, ATM1 confirms that the predetermined amount of cash has been inserted (S213). ATM1 requests the financial institution system 3 to send the predetermined amount from ATM account 31 to the user's account 32 (S214).

[0050] The financial institution system 3 transfers the specified amount from the specified ATM account 31 to the specified user account 32 and completes the remittance (S215). The mobile banking app 21 of the user terminal 2 accesses the user account 32 on the mobile banking system MB by the account management unit 211, confirms that the remittance has been made to the user account (S216), and ends this process after confirmation (S217).

[0051] Figure 6 is a flowchart showing the changes in the on - hand amount in the ATM and the balances of each account 31, 32 in the mobile banking system MB at the time of deposit. This process also starts with the on - hand amount in the ATM and the balance of the ATM account 31 being the same when the operation of ATM1 starts. The on - hand amount in the ATM is 1 million yen, and the balance of the ATM account is also 1 million yen. The initial value of the balance of the user account is 500,000 yen.

[0052] When the user deposits 100,000 yen into their own account 32 via ATM1, the user inserts 100,000 yen in cash into the insertion slot of the ATM mechanism unit 13. ATM1 confirms that 100,000 yen in cash has been inserted (S213). At this point, the on - hand amount in the ATM increases by 100,000 yen to 1.1 million yen (C23). ATM1 activates the remittance section 112 of the mobile banking app 11 and requests the transfer of the deposited amount from the ATM account 31 to the user account 32 (S215). As a result, the balance of the user account 32 increases by 100,000 yen to 600,000 yen (C24). The balance of the ATM account 31 decreases by 100,000 yen to 900,000 yen (C25).

[0053] Similar to what was described in the process of cash withdrawal, when a series of transactions by the mobile banking system MB are completed, the total amount of the on-site balance of 1.1 million yen in the ATM and the balance of 900,000 yen in the ATM account 31 is equal to the total amount of the on-site balance of 1 million yen in the ATM and the balance of 1 million yen in the ATM account 31 at the start of operation. Therefore, based on the total amount of the on-site balance in the ATM and the balance in the ATM account 31, it is possible to determine whether the mobile banking system MB using ATM1 is operating normally and manage it appropriately. The total amount of the on-site balance in the ATM and the balance in the ATM account 31 remains constant from the start of operation until the cash cartridge is exchanged for cash replenishment in case of insufficient in-machine cash or cash collection in case of excessive cash.

[0054] According to this embodiment configured as described above, without using the conventional ATM network, only by checking the balance of the account of the mobile banking system MB and performing the transfer process, ATM1 can provide a cash deposit and withdrawal service to the user terminal 2. Since the mobile banking system MB can be used by using a so-called open API (Application Programming Interface), the introduction cost and operation cost can be reduced compared to an ATM network using a dedicated computer program.

[0055] According to this embodiment, the user can use the cash deposit and withdrawal service provided by ATM1 via the mobile banking system MB only by approaching ATM1 using the user terminal 2 installed with the mobile banking app 21. Between ATM1 and the user terminal 2, only the initial setting process for exchanging transaction information needs to be directly performed, and the subsequent transaction process is carried out by the mobile banking system MB. This improves the convenience of the user.

[0056] In this embodiment, immediately after requesting a transfer from the user account 32 to the ATM account 31, in order to notify ATM1 from the user terminal 2 that the transfer has been requested (that the remittance has been requested) (S115), the withdrawal operation can be performed in advance, and the waiting time of the user can be shortened.

[0057] Note that information such as currency type management and which bank the transaction was made with can be linked by the information transmitted from the user terminal 2 to the ATM 1, managed by each ATM, and aggregated to the upper-level system to perform clearing offset processing for each bank.

[0058] The content (account number) of the second withdrawal information received by the user terminal 2 from the ATM 1 can be automatically recognized and set by the mobile banking app 21.

[0059] Instead of the existing mobile banking system MB, an Internet banking app dedicated to ATM transactions may be newly created using open APIs.

Example

[0060] Example 2 will be described with reference to FIGS. 7 and 8. In this example, an ATM 1A that corresponds to a plurality of financial institution systems 3 and enables withdrawals from and deposits to accounts of a plurality of financial institutions will be described. In each of the following examples including this example, the description will focus on the differences from the above-described example.

[0061] FIG. 7 is an overall view of an information processing system that can use a plurality of mobile banking systems for each financial institution. In the ATM 1A of this example, a table 113 for managing the lending and borrowing of the on-hand balance in the ATM by bank is stored in the mobile banking app 11.

[0062] FIG. 8 is an explanatory diagram showing changes between the on-hand balance in the ATM and each account 31, 32 on the mobile banking system MB when using the mobile banking system MB from the ATM 1 for each financial institution. In this process, both the total on-hand balance in the ATM at the start of operation and the balance of the ATM account 31 are 1 million yen, which match.

[0063] Here, the on - hand balance in the ATM is divided by bank (financial institution). For example, the on - hand balance in the ATM for Bank A is 600,000 yen, the on - hand balance in the ATM for Bank B is 300,000 yen, and the on - hand balance in the ATM for Bank C is 100,000 yen (C100). Therefore, the total amount of the on - hand balance in the ATM is 1,000,000 yen.

[0064] The ATM accounts 31 on the mobile banking system MB are also divided by bank (C102). The balance of the ATM account 31 of Bank A is 600,000 yen, the balance of the ATM account 31 of Bank B is 300,000 yen, and the balance of the ATM account 31 of Bank C is 100,000 yen. The total balance of the ATM account 31 is 1,000,000 yen. In this way, when starting to operate the service of ATM1, the balance by bank of the ATM account 31 (C102) is consistent with the on - hand balance by bank in the ATM (C100). Note that the user accounts 32 are also provided by bank (C101). The user has a deposit balance of 300,000 yen in Bank A, a deposit balance of 200,000 yen in Bank B, and a deposit balance of 100,000 yen in Bank C. The total amount of the user's deposits is 600,000 yen.

[0065] When the user withdraws 100,000 yen from Bank A and takes it out from ATM1 (C103), 100,000 yen is transferred from the Bank A portion of the user account to the Bank A portion of the ATM account. Therefore, the balance of Bank A in the user account decreases by 100,000 yen to 200,000 yen (C104), and the balance of the Bank A portion of the ATM account increases by 100,000 yen to 700,000 yen (C105). On the other hand, looking at the on - hand balance in the ATM, the on - hand balance of Bank A in the ATM decreases by 100,000 yen to 900,000 yen (C106).

[0066] Subsequently, when the user withdraws 150,000 yen from Bank B and takes it out from ATM1 (C107), 150,000 yen is transferred from the Bank B portion of the user account to the Bank B portion of the ATM account. Therefore, the balance of Bank B in the user account decreases by 150,000 yen to 50,000 yen (C108), and the balance of the Bank B portion of the ATM account increases by 150,000 yen to 450,000 yen (C109). The on - hand balance of Bank B in the ATM decreases by 150,000 yen to 150,000 yen (C110).

[0067] Furthermore, when the user withdraws 30,000 yen from Bank C and takes it out from ATM1 (C111), 30,000 yen is transferred from the Bank C portion of the user's account to the Bank C portion of the ATM account. Therefore, the balance of Bank C in the user's account decreases by 30,000 yen to 70,000 yen (C112), and the balance of the Bank C portion of the ATM account increases by 30,000 yen to 130,000 yen (C113). The in-bank balance of Bank C in the ATM decreases by 30,000 yen to 70,000 yen (C114).

[0068] As a result of the user withdrawing 100,000 yen from Bank A, 150,000 yen from Bank B, and 30,000 yen from Bank C, the total amount of the in-bank balance in the ATM becomes 720,000 yen (C114). The total balance of ATM account 31 becomes 1,280,000 yen. Therefore, the total amount obtained by adding the total amount of the in-bank balance in the ATM and the total balance of ATM account 31 is 2,000,000 yen, which is consistent with the total amount at the start of operation.

[0069] Furthermore, if transactions not shown in the figure are carried out and there is a shortage in the in-bank balance by bank, cash is lent from the in-bank balance of the bank with a sufficient balance to the in-bank balance of the bank with a shortage in the balance. The lending and borrowing are managed by the bank-by-bank lending and borrowing management table 113 inside ATM1. When the staff visits ATM1 for the purpose of exchanging the banknote cartridge, the lending and borrowing managed by the lending and borrowing management table 113 are settled (S122).

[0070] The present embodiment configured in this way also exhibits the same operational effects as those of Embodiment 1. Furthermore, since ATM1A of the present embodiment corresponds to a plurality of financial institution systems 3, the convenience for the user is further improved.

[0071] Furthermore, in the present embodiment, since the in-bank balance in the ATM is lent between banks, it is possible to suppress the occurrence of a situation where a withdrawal operation becomes impossible despite the existence of an in-bank balance in the ATM, improving the usability for the user.

Embodiment

[0072] Embodiment 3 will be described with reference to FIGS. 9 and 10. In this embodiment, an example in which operation is started without matching the in-bank balance in the ATM and the balance of the ATM account will be described.

[0073] Figure 9 is a flowchart showing the withdrawal process. The initial in-ATM balance at the start of operation is 2.5 million yen (C120), the balance of ATM account 31 is 30 million yen (C122), and the balance of the user's account is 3 million yen (C121).

[0074] When the user instructs a 2-million-yen withdrawal transaction (C123), 2 million yen is transferred from user account 32 to ATM account 31. The balance of the user's account decreases by 2 million yen to 1 million yen (C124), and the balance of ATM account 31 increases by 2 million yen to 32 million yen (C125).

[0075] When the user withdraws 2 million yen in cash from the outlet of ATM1 (C126), the in-ATM balance decreases by 2 million yen to 0.5 million yen (C127). The flow from step S121 during cash cartridge replacement will be explained. When replacing the cash cartridge, the balance of the ATM account remains unchanged, and operation management can be resumed with the amount that reflects the amount loaded and recovered in the ATM internal balance. When an attendant visits ATM1 and 10 million yen in cash is loaded (S121), the in-ATM balance increases by 10 million yen to 10.5 million yen (C128).

[0076] The total amount of the in-ATM balance of 0.5 million yen before 10 million yen in cash is loaded into ATM1 and the balance of ATM account 31 of 32 million yen is 32.5 million yen. In contrast, the total amount of the in-ATM balance of 10.5 million yen after 10 million yen in cash is loaded into ATM1 and the balance of ATM account 31 of 32 million yen is 42.5 million yen. After 10 million yen in cash is loaded into ATM1, it is managed whether the services of ATM1 are being properly provided based on this new total amount of 42.5 million yen.

[0077] Figure 10 is a flowchart showing the deposit process. Here, the initial in-ATM balance at the start of operation is 28 million yen (C200), the balance of ATM account 31 is 15 million yen (C202), and the balance of the user's account is 3 million yen (C201).

[0078] When the user instructs a 3 million yen deposit transaction (S213), 3 million yen is transferred from the ATM account 31 to the user account 32 (S215). Therefore, the balance of the user account increases by 3 million yen to 6 million yen (C204), and the balance of the ATM account 31 decreases by 3 million yen to 12 million yen (C205). Since 3 million yen in cash is inserted into ATM1, the in-ATM balance increases by 3 million yen to 31 million yen (C203). After that, when the staff visits ATM1 and 10 million yen in cash is collected (S218), the in-ATM balance decreases by 10 million yen to 21 million yen (C206).

[0079] After 10 million yen in cash is collected from ATM1, it is determined whether ATM1 is operating correctly based on the total amount of 33 million yen, which is the sum of the latest in-ATM balance of 21 million yen and the balance of the ATM account 31 of 12 million yen.

[0080] This embodiment configured as described above also has the same operational effects as those of Embodiment 1. Furthermore, in this embodiment, even when there is a discrepancy between the in-ATM balance and the balance of the ATM account at the start of operation of ATM1, ATM1 can be correctly managed. As a result, even when it is physically difficult to match the in-ATM balance with the balance of the ATM account at the start of operation, it is possible to perform deposits and withdrawals at the ATM using Internet banking without connecting to the conventional ATM network (cash automated teller machine network). Therefore, there is no need to match the in-ATM balance and the balance of the ATM account, improving the usability for the financial institution system 3.

Embodiment

[0081] Embodiment 4 will be described with reference to FIGS. 11 and 12. In Embodiment 4, the operation during the replacement of the cash cartridge performed by the security guard or the staff is described. FIG. 11 shows an example in which a dedicated cash operation account 33 linked to deposits and withdrawals at ATM1 is provided separately from the ATM account. In the figure, the dedicated cash operation account 33 is abbreviated as the cash account 33.

[0082] The usage method of the dedicated cash management account 33 is as follows. At the start of management, the on-site balance in the ATM is 5 million yen, the balance of the ATM account 31 is 90 million yen, and the balance of the dedicated cash management account 33 is 200 million yen. The total of the on-site balance in the ATM and the balance of the ATM account at the start of management is 95 million yen. In the example described below, 28 million yen is loaded into ATM1 (S301), and then 30 million yen is withdrawn from ATM1 (S303).

[0083] When loading cash into ATM1, since the on-site balance in the ATM increases, it corresponds to a deposit transaction. Therefore, when depositing cash into ATM1 (S301), the 28 million yen loaded into ATM1 is transferred (sent) from the ATM account 31 to the dedicated cash management account 33 (S302). As a result, the balance of the ATM account 31 becomes 62 million yen (C303), and the balance of the dedicated cash management account 33 becomes 228 million yen (C302). The on-site balance in the ATM increases by 28 million yen to 33 million yen (S304). Here, the total of the on-site balance in the ATM of 33 million yen and the balance of the ATM account of 62 million yen remains 95 million yen. When withdrawing cash from ATM1, since the on-site balance in the ATM decreases, it corresponds to a withdrawal transaction. Therefore, when withdrawing cash from ATM1 (S303), the 30 million yen withdrawn from ATM1 is transferred (sent) from the dedicated cash management account 33 to the ATM account 31 (S304). As a result, the balance of the dedicated cash management account 33 decreases by 30 million yen to 198 million yen (C305), and the balance of the ATM account increases by 30 million yen to 92 million yen (C306). The on-site balance in the ATM decreases by 30 million yen to 3 million yen (C307). Here, the total of the on-site balance in the ATM of 3 million yen and the balance of the ATM account of 92 million yen remains 95 million yen.

[0084] The transfer operations in steps S302 and S304 are executed by the staff member operating the staff terminal 4 they possess.

[0085] This embodiment configured in this way also has the same effects as those of Embodiment 1. Further, in this embodiment, since the dedicated cash operation account 33 is provided, it is possible to manage the loading and collection operations of the in-machine balance of a plurality of ATMs in the same process as the withdrawal and deposit operations with the user account, improving convenience. FIG. 12 shows a modification of the deposit process. The transition of the balance (C210 to C216) and each step S210 to S216 are as shown in the figure. This process shows the change in the in-machine balance in the ATM when the cash cartridge is replaced (S3218, C216).

Embodiment

[0086] Embodiment 5 will be described with reference to FIG. 13. In this embodiment, when withdrawing money from ATM1, the face of the user who should be within a predetermined range of ATM1 is confirmed. The predetermined range is, for example, within several meters from ATM1.

[0087] When the user terminal 2 starts the mobile banking application 21 or operates the remittance section 212 of the mobile banking application 21, the camera of the user terminal 2 takes a picture of the user's face and saves it in the user terminal 2 (S400). When the user terminal 2 transmits the information of the user account (withdrawal information) to ATM1, the data of the user's face image taken in step S400 is also transmitted together (S401).

[0088] When ATM1 receives the withdrawal information and the user's face image from the user terminal 2, it associates and saves both (S402). After that, when the deposit to the ATM account 31 is confirmed, before ATM1 discharges the cash to the discharge port of the ATM mechanism section 13, it takes a picture of the user with the camera included in the sensor section 121 (S403). ATM1 compares the user's face image received from the user terminal 2 with the user's face image included in the user image taken in step S403, and collates both face images (S404).

[0089] When the face image captured by the user terminal 2 before the instruction of the withdrawal transaction matches the face image captured by the ATM1 at the time of withdrawal (S405: YES), the ATM mechanism unit 13 permits the withdrawal (S406). The ATM mechanism unit 13 that has received this withdrawal permission causes a predetermined amount of cash to be discharged from the discharge port. When the face image captured by the user terminal 2 does not match the face image captured by the ATM1 (S405: NO), error processing is performed (S407). In the error processing, for example, a message such as "The faces do not match. Please stand in front of the camera again" is notified to the user by voice and / or text, and the face authentication is performed again. When the face authentication fails a predetermined number of times, the ATM1 notifies a staff member near the ATM1 and prompts the staff member to conduct the cash delivery. Other error processing may be performed.

[0090] This embodiment configured in this way also has the same operational effects as those of the first embodiment. Further, in this embodiment, when withdrawing cash, in order to identify whether the user who instructed the withdrawal transaction is the correct user by face authentication, it is possible to suppress the occurrence of a situation where someone else accidentally withdraws the cash, and the security is improved. This embodiment can be combined with any of the first to fourth embodiments.

[0091] A modified example of the fifth embodiment will be described with reference to FIG. 14. In this modified example, a one-time password is used to determine whether a user within a predetermined range of the ATM1 is a legitimate user.

[0092] When the user terminal 2 starts the mobile banking application 21 or operates the remittance unit 212 of the mobile banking application 21, it generates a time-limited one-time password and also transmits the one-time password to the ATM1 together with the user's transaction information (S410).

[0093] ATM1 receives citation information from the user terminal 2 (S412). When the deposit into the ATM account 31 is confirmed, ATM1 notifies the user by voice and / or text with a message such as "Please show the two-dimensional code of the one-time password on the screen of the user terminal", and reads the two-dimensional code displayed on the screen of the user terminal 2 with the camera of the sensor unit 121 (S413).

[0094] ATM1 collates the one-time password received in step S412 with the one-time password extracted from the two-dimensional code read in step S413 (S415). When both one-time passwords match (S415: YES), ATM1 permits withdrawal to the ATM mechanism unit 13 (S416). When both one-time passwords do not match (S415: NO), ATM1 performs error processing such as requesting the user to re-read the two-dimensional code or notifying the staff (S417).

[0095] This modified example configured in this way also has the same operational effects as those of Example 5. This modified example can be combined with any of Examples 1 to 4.

[0096] Another modified example will be described with reference to FIG. 15. ATM1 of this modified example stores in advance the association between the user's account information and the user's face image (S422). When ATM1 is operated, ATM1 captures the face image of the operator (user) (S423), and collates the face image of the user stored in advance with the face image captured during the ATM operation (S424). When both face images match (S425: YES), ATM1 permits withdrawal to the ATM mechanism unit 13 (S426). When both face images do not match (S425: NO), error processing is performed (S427).

[0097] Note that the feature points of the face image may be extracted, and it may be determined whether the two are the same person based on the degree of matching of the feature points. Since ATM1 does not always capture the user's face image correctly, it may be called a "camera image" instead of the face image.

[0098] Note that the present invention is not limited to the above-described embodiments. Those skilled in the art can make various additions, changes, etc. within the scope of the present invention. The features described in the embodiments can also be combined as appropriate. For example, the cash handling machine can also be linked with ticket vending machines such as train tickets and admission tickets.

[0099] The following configurations are disclosed in the above-described embodiments.

[0100] (Expression 1) A cash automated transaction device connected to an Internet banking system, to which a cash automated transaction device account, which is an account on the Internet banking system, is assigned, comprising a control unit and a mechanism unit for performing cash deposits and withdrawals, wherein the control unit checks the transaction status of the cash automated transaction device account through the Internet banking system, controls the mechanism unit according to the transaction status of the cash automated transaction device account, and exchanges transaction information for conducting transactions via the Internet banking system with a user terminal connected to the Internet banking system.

[0101] (Expression 2) The cash automated transaction device according to Expression 1, wherein when the control unit receives first transaction information including a user account on the Internet banking system from the user terminal, it transmits second transaction information including the cash automated transaction device account to the user terminal.

[0102] (Expression 3) The cash automated transaction device according to any one of Expressions 1-2, wherein when the control unit confirms that a transfer has been made from the user account on the Internet banking system to the cash automated transaction device account, and the information of the user account as the remitter matches the information of the user account received from the user terminal, it causes the mechanism unit to withdraw the predetermined amount.

[0103] (Expression 4) When the control unit confirms the deposit to the mechanism unit, it requests a transfer of the deposited amount to the user account received from the user terminal from the account for the cash automated teller machine using the internet banking system. The cash automated teller machine according to any one of Expressions 1-3.

[0104] (Expression 5) The control unit audits based on the total amount of the cash balance stored in the mechanism unit and the balance of the account for the cash automated teller machine. The cash automated teller machine according to any one of Expressions 1-4.

[0105] (Expression 6) The control unit starts operation when the cash balance stored in the mechanism unit matches the balance of the account for the cash automated teller machine. The cash automated teller machine according to any one of Expressions 1-5.

[0106] (Expression 7) The control unit starts operation when the cash balance stored in the mechanism unit does not match the balance of the account for the cash automated teller machine. The cash automated teller machine according to any one of Expressions 1-6.

[0107] (Expression 8) When the cash balance stored in the mechanism unit is updated, the control unit resumes operation based on the updated cash balance. The cash automated teller machine according to any one of Expressions 1-8.

[0108] (Expression 9) Withdrawals from or deposits to accounts of multiple financial institutions are possible. The control unit holds the account for the cash automated teller machine for each financial institution, and for each of the multiple financial institutions, separately manages the cash balance stored in the mechanism unit and the balance of the account for the cash automated teller machine. The cash automated teller machine according to any one of Expressions 1-8.

[0109] (Expression 10) The control unit manages the cash balance managed for each financial institution by lending and borrowing among the multiple financial institutions. The cash automated teller machine according to any one of Expressions 1-9.

[0110] (Expression 11) After the predetermined notification is confirmed, the control unit checks whether the user using the user terminal is within a predetermined range of the discharge port of the mechanism unit, and causes the mechanism unit to withdraw the predetermined amount of money. The cash automatic transaction device according to any one of Expressions 1-10.

[0111] (Expression 12) A method for controlling a cash automatic transaction device connected to an Internet banking system, The cash automatic transaction device includes a control unit and a mechanism unit that is controlled by the control unit to perform cash deposit and withdrawal, and a cash automatic transaction device account that is an account on the Internet banking system is assigned, The control unit, Checks the transaction status of the cash automatic transaction device account on the Internet banking system through the Internet banking system, Controls the mechanism unit according to the transaction status of the cash automatic transaction device account. A method for controlling a cash automatic transaction device.

[0112] (Expression 13) A method for controlling a cash automatic transaction device, comprising the features described in any one of Expressions 1-11.

[0113] (Expression 14) The cash automatic transaction device is connected to an Internet banking system and not connected to a cash automatic transaction device network. The cash automatic transaction device according to any one of Expressions 1-11.

[0114] (Expression 15) The cash automatic transaction device provides a cash automatic transaction service by an Internet banking system. The cash automatic transaction device according to any one of Expressions 1-11.

[0115] (Explanation of Signs) 1: ATM, 2: User Terminal, 3: Financial Institution System, 4: Staff Terminal, 10: Terminal Device, 11, 21: Mobile Bank Application, 12: ATM Control Unit, 13: ATM Mechanism Unit, MB: Mobile Banking System

Claims

1. A cash automated transaction device connected to an Internet banking system, which is assigned a cash automated transaction device account that is an account on the Internet banking system, comprising a control unit, and a mechanism unit for making cash deposits and withdrawals, wherein the control unit checks the transaction status of the cash automated transaction device account through the Internet banking system, controls the mechanism unit according to the transaction status of the cash automated transaction device account, and exchanges transaction information for conducting transactions via the Internet banking system with a user terminal connected to the Internet banking system. Cash automated transaction device.

2. When the control unit receives first transaction information including user account information on the Internet banking system from the user terminal, it transmits second transaction information including the cash automated transaction device account information to the user terminal. The cash automated transaction device according to Claim 1.

3. When the control unit confirms that a transfer has been made from a user account on the Internet banking system to the cash automated transaction device account, if the information of the user account as the remitter matches the information of the user account received from the user terminal, it causes the mechanism unit to withdraw the predetermined amount. The cash automated transaction device according to Claim 2.

4. When the control unit confirms a deposit to the mechanism unit, it requests a transfer of the deposited amount to the user account received from the user terminal from the cash automated transaction device account using the Internet banking. The cash automated transaction device according to Claim 2.

5. The control unit conducts an audit based on the total amount of the cash balance stored in the mechanism unit and the balance of the cash automated transaction device account. The cash automated transaction device according to Claim 2.

6. The control unit starts operation in a state where the cash balance stored in the mechanism unit matches the balance of the cash automated transaction device account. The cash automated transaction device according to Claim 5.

7. The control unit starts operation in a state where the cash balance stored in the mechanism unit does not match the balance of the cash automated transaction device account. The cash automated transaction device according to Claim 5.

8. When the cash balance stored in the mechanism unit is updated, the control unit resumes operation based on the updated cash balance. The cash automated transaction device according to Claim 7.

9. It is possible to withdraw money from or deposit money into accounts of multiple financial institutions. The control unit holds the account for the cash automated teller machine for each of the financial institutions, and separately manages the inventory of cash stored in the mechanism unit and the balance of the account for the cash automated teller machine for each of the financial institutions. The cash automated teller machine according to claim 1.

10. The control unit manages the inventory of cash managed for each of the financial institutions by lending and borrowing among the multiple financial institutions. The cash automated teller machine according to claim 9.

11. After the predetermined notification is confirmed, the control unit checks whether the user using the user terminal is within a predetermined range of the discharge port of the mechanism unit, and causes the mechanism unit to withdraw the predetermined amount of money. The cash automated teller machine according to claim 4.

12. A method for controlling a cash automated teller machine connected to an Internet banking system, the cash automated teller machine comprising: a control unit; and a mechanism unit controlled by the control unit to perform cash deposit and withdrawal operations, and an account for the cash automated teller machine, which is an account on the Internet banking system, is assigned. The control unit: checks the transaction status of the account for the cash automated teller machine through the Internet banking system, and controls the mechanism unit according to the transaction status of the account for the cash automated teller machine. A method for controlling a cash automated teller machine. ​

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