Automatic transaction system and automatic transaction device

Abstract

To provide a method for reducing labor and time required for returning cash that a user has forgotten to take from an automatic transaction device.SOLUTION: An automatic transaction device 10a transmits transaction information 20a1 including information indicative of the occurrence of forgetting to take cash by a user 2 and the amount of forgotten cash to a server 20a after the withdrawal transaction, authenticates whether the user 2 is the person who forgot to take the cash when the user 2 requests the return of the cash, acquires the amount of the forgotten cash contained in the transaction information 20a1 of the user 2 from the server 20a when the user 2 is authenticated as the person, and refunds the cash when it is determined that the input amount inputted by the user 2 coincides with the amount of the forgotten cash.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to an automatic trading system and an automatic trading device.

Background Art

[0002] A user of a bank account may conduct transactions regarding their bank account using an automatic trading device such as an ATM (Automated Teller Machine) or a cash dispenser. As a technology related to an automatic trading device, conventionally, in order to prevent forgetting to take cash, a method has been proposed to notify the user of the forgetting based on the direction of the user's feet or the detection result of the user's operation. Also, in order to reduce the burden on the administrator when the customer returns a forgotten trading medium from the ATM, a method has been proposed to send an inquiry about the handling of the trading medium to the contact associated with the identification information using the customer's identification information recorded on the trading medium. In addition, an ATM has been proposed that displays a message to alert users who repeatedly forget cash or the like. Furthermore, a technology has been proposed in which an ATM performs personal authentication using a wireless interface.

[0003] By the way, when a user of an automatic trading device forgets to take cash during a withdrawal transaction, the cash may be taken into the automatic trading device again. In such a case, in a situation where a withdrawal cancellation or an automatic deposit (automatically depositing the forgotten cash into the user's account) cannot be performed, the user has been going through procedures at the bank counter to receive the returned forgotten cash.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Patent Document 2

Patent Document 3

[0005] However, when procedures are carried out at a bank counter to receive the return of forgotten cash, it takes time and effort for the user to go to the bank counter. Also, for the bank, since there are more unnecessary counter operations, it takes time and effort for the return of cash.

[0006] In one aspect, the present case aims to reduce the time and effort required for the return of cash forgotten by the user from the automated teller machine. [Means for Solving the Problems]

[0007] In one proposal, an automated teller system having a server and an automated teller machine is provided. The automated teller machine transmits transaction information including information indicating the occurrence of forgotten cash by the user and the forgotten amount to the server after a withdrawal transaction. When receiving a request for the return of cash by the user, it performs an authentication of whether the user is the person who made the forgetfulness. When the user is authenticated as the person himself / herself, it acquires the forgotten amount included in the user's transaction information from the server. When it is determined that the input amount entered by the user matches the forgotten amount, it performs a cash refund process.

[0008] Also, in one aspect, an automated transaction apparatus having a cash storage unit and a processing unit is provided. The cash storage unit stores cash when a user forgets to take the cash after a withdrawal transaction. The processing unit transmits transaction information including information indicating the occurrence of the forgetting and the forgotten amount to a server, and when receiving a request for returning the cash from the user, performs an authentication to determine whether the user is the person who made the forgetting. When the user is authenticated as the person himself / herself, the processing unit acquires the forgotten amount included in the user's transaction information from the server, and when it is determined that the input amount entered by the user matches the forgotten amount, the processing unit withdraws the cash from the cash storage unit and performs a refund process.

[0009] Also, in one aspect, an automated transaction system having an automated transaction apparatus and a server is provided. The automated transaction apparatus transmits transaction information including information indicating the occurrence of forgetting of cash by the user after a withdrawal transaction and the forgotten amount. The server receives and stores the transaction information from the automated transaction apparatus, the location of the automated transaction apparatus, and the cash forgetting time information, receives and stores the cash return request, the forgotten location, the time information, and the amount input by the user on the user's terminal device, and when it is determined that the stored location, the forgotten time information, and the forgotten amount included in the transaction information respectively match the forgotten location, the time information, and the amount input on the user's terminal device, the server performs a process of returning the cash to the user's account.

Advantages of the Invention

[0010] According to one aspect, it is possible to reduce the trouble and time required for the user to return the cash forgotten from the automated transaction apparatus.

Brief Description of the Drawings

[0011]

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Mode for Carrying Out the Invention

[0012] Hereinafter, this embodiment will be described with reference to the drawings. Note that multiple embodiments can be combined and implemented within a non - conflicting range. 〔First Embodiment〕 First, the first embodiment will be described.

[0013] FIG. 1 is a diagram showing an example of an automatic transaction system according to the first embodiment. The automatic transaction system 1a according to the first embodiment is a system for returning the cash forgotten by the user 2 from the automatic transaction device 10a. The automatic transaction system 1a includes an automatic transaction device 10a and a server 20a. The automatic transaction device 10a and the server 20a are connected via a network. The automatic transaction device 10a is a device that executes financial transactions according to the operation of the user 2. The automatic transaction device 10a is, for example, an ATM installed in a financial institution or the like. Note that the automatic transaction system 1a may have a plurality of automatic transaction devices. The server 20a is a server computer (sometimes called a host computer) that manages the bank accounts of the traders. The server 20a performs transmission and reception processing of transaction information related to transactions with respect to the automatic transaction device 10a. Note that the server 20a may include a plurality of computers.

[0014] The automatic transaction device 10a includes a processing unit 11, a cash storage unit 12, and a storage unit 13. The processing unit 11 is a processor or an arithmetic circuit such as a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or a DSP (Digital Signal Processor). The processing unit 11 executes the following-described processing of the automatic transaction device 10a.

[0015] The cash storage unit 12 is a device that stores cash (coins and banknotes) so that deposit and withdrawal are possible. The storage unit 13 is, for example, a volatile storage device which is an electronic circuit such as a DRAM (Dynamic Random Access Memory), or a non-volatile storage device which is an electronic circuit such as an HDD (Hard Disk Drive) or a flash memory. The storage unit 13 may include an electronic circuit such as an SRAM (Static Random Access Memory) register. The storage unit 13 stores various data used by the automatic transaction device 10a. The storage unit 13 may store various programs for operating the automatic transaction device 10a.

[0016] The automatic transaction device 10a and the server 20a execute the following processes during a transaction using the automatic transaction device 10a. Suppose that user 2 of the automatic transaction device 10a conducts a withdrawal transaction such as withdrawing cash from their account and forgets to take some or all of the cash from the cash inlet / outlet of the automatic transaction device 10a. The automatic transaction device 10a transmits transaction information 20a1 including information indicating the occurrence of the user 2 forgetting the cash and the amount forgotten to the server 20a after the withdrawal transaction. The transaction information 20a1 is stored in the server 20a.

[0017] An example of the transaction information 20a1 is shown in FIG. 1. The transaction information 20a1 includes a transaction name indicating the transaction type ("Withdrawal" in the example of FIG. 1), transaction card information identifying the cash card inserted into the automatic transaction device 10a, the input PIN number entered by user 2 in the automatic transaction device 10a, and the transaction amount. Further, the transaction information 20a1 includes the presence or absence of forgetting and the amount forgotten as information indicating the occurrence of forgetting. In the example of the transaction information 20a1 in FIG. 1, it is shown that forgetting of 10,000 yen has occurred.

[0018] When forgetting of cash occurs, the processing unit 11 stores the forgotten cash in the cash storage unit 12. When user 2 who has noticed the forgetting of cash returns, the processing unit 11 accepts a request for returning the cash. For example, when user 2 inserts the cash card into the automatic transaction device 10a, the processing unit 11 displays a key on the touch panel of the automatic transaction device 10a that can be pressed if the user wishes to return the forgotten cash.

[0019] After that, the processing unit 11 performs authentication to determine whether the user 2 is the person who left the money behind. The authentication is performed, for example, by receiving the input of a PIN from the user 2 and determining whether the input PIN matches the card PIN associated with the cash card. The processing unit 11 may receive the card PIN associated with the cash card from the server 20a and determine whether it matches the input PIN. Alternatively, the processing unit 11 may send the input PIN to the server 20a, and the server 20a may perform the comparison between the PIN and the card PIN, and the processing unit 11 may receive the result.

[0020] In addition, or instead of using the PIN for authentication, the processing unit 11 may perform authentication to determine whether the user 2 is the person himself / herself by using face authentication or the user 2's terminal device (such as a smartphone or a tablet terminal) in order to enhance the security of the authentication. For example, face authentication is performed by comparing the face photo of the user 2 stored in advance in the server 20a with the face image of the user 2 acquired from the camera of the automated transaction device 10a. The authentication using the terminal device is performed, for example, by displaying an authentication code registered in association with the account in advance on the screen of the terminal device and having the automated transaction device 10a read it.

[0021] If it is confirmed by the authentication that the user 2 is the person who left the money behind (in the case of successful authentication), the processing unit 11 acquires the forgotten amount included in the transaction information 20a1 of the user 2 from the server 20a. Then, the processing unit 11 determines whether the input amount entered by the user 2 matches the forgotten amount.

[0022] When the input amount matches the forgotten amount, the processing unit 11 performs a cash refund process. The processing unit 11 takes out the cash of the forgotten amount from the cash storage unit 12 and moves it to the cash entrance / exit. The processing unit 11 may send the result of the refund process to the server 20a. When the refund is completed normally, the server 20a may update the presence / absence of cash forgetting in the transaction information 20a1 to "none" and the forgotten amount to "0".

[0023] In addition, when the input amount and the forgotten amount do not match, the processing unit 11 does not perform the refund process. In this case, for example, the processing unit 11 causes a message prompting procedures at the bank counter to be displayed on the display of the automatic transaction device 10a.

[0024] As described above, in the automatic transaction system 1a of the first embodiment, the automatic transaction device 10a transmits transaction information 20a1 including information indicating the occurrence of forgetting of cash by the user 2 and the forgotten amount to the server 20a after the withdrawal transaction. Then, when the automatic transaction device 10a receives a cash return request from the user 2, the automatic transaction device 10a performs an authentication to determine whether the user 2 is the person who forgot. When the automatic transaction device 10a authenticates that the user 2 is the person himself / herself and determines that the input amount input by the user 2 matches the forgotten amount, the automatic transaction device 10a performs a cash refund process.

[0025] Thereby, the user 2 does not need to go to the bank counter to receive the refund of the forgotten amount in cash. Also, as for the bank, an increase in unnecessary counter operations is prevented. Thus, according to the automatic transaction system 1a of the first embodiment, it is possible to reduce the labor and time required for the user 2 to return the cash forgotten from the automatic transaction device 10a.

[0026] In addition, in the above example, it has been described assuming that the automatic transaction device where the forgetting of cash occurred and the automatic transaction device that performs the refund process are the same, but the automatic transaction device where the forgetting of cash occurred and the automatic transaction device that performs the refund process may be different.

[0027] 〔Second Embodiment〕 FIG. 2 is a diagram showing an example of an automatic transaction system according to the second embodiment. The automatic transaction system 1b according to the second embodiment is a system in which the user 2 returns the forgotten cash from the automatic transaction device 10b using the terminal device 30 of the user 2. The automatic transaction system 1b includes an automatic transaction device 10b, a server 20b, and a terminal device 30. The automatic transaction device 10 and the server 20a are connected via a network. The server 20a and the terminal device 30 are also connected via a network. The two networks may be the same network or different networks. For example, the network between the automatic transaction device 10 and the server 20a may be a dedicated network, and the network between the server 20a and the terminal device 30 may be a wide area network such as the Internet.

[0028] The automatic transaction device 10b is a device that executes financial transactions according to the operation of the user 2. The automatic transaction device 10b is, for example, an ATM installed in a financial institution or the like. The automatic transaction device 10b transmits transaction information 20a1 to the server 20b in the same manner as the automatic transaction device 10a of the first embodiment. Further, the automatic transaction device 10b transmits the location of the automatic transaction device 10b and the cash forgetting time information (date and time of forgetting in the following example) to the server 20b.

[0029] Note that the automatic transaction device 10b may have a processing unit 11, a cash storage unit 12, and a storage unit 13 that perform the same functions as the automatic transaction device 10a of the first embodiment. Further, the automatic transaction system 1b may include a plurality of automatic transaction devices.

[0030] The server 20b is a server computer that manages the bank accounts of the traders. Note that the server 20a may include a plurality of computers. The server 20b has a storage unit 21 and a processing unit 22.

[0031] The storage unit 21 is, for example, a volatile storage device that is an electronic circuit such as a DRAM, or a non-volatile storage device that is an electronic circuit such as an HDD or a flash memory. The storage unit 21 may include an electronic circuit such as an SRAM register.

[0032] The storage unit 21 stores the location of the automated transaction device 10b and the date and time of forgetting the cash, together with the transaction information 20a1. In the example of FIG. 2, in the storage unit 21, the location of the automated transaction device 10b where the forgetting of cash occurred is "Branch C, City B, Prefecture A", and the transaction date and time (date and time of forgetting) is stored as "December 29, 2023, 12:00:00". Further, the account information of user 2 is stored in the storage unit 21.

[0033] Note that the storage unit 21 may store other data used by the server 20b and various programs for operating the server 20b. The processing unit 22 is a processor or arithmetic circuit such as a CPU, MPU, or DSP. The processing unit 22 executes the following-described processing of the server 20b.

[0034] The terminal device 30 is a smartphone, tablet terminal, wearable terminal, PC (Personal Computer), etc. of user 2. User 2 uses the terminal device 30 to request the server 20b to return the forgotten cash.

[0035] The automated transaction device 10b and the server 20b execute the following processing during a transaction using the automated transaction device 10b. Suppose that user 2 of the automated transaction device 10b conducts a withdrawal transaction such as withdrawing cash from their own account and forgets to take some or all of the cash from the cash inlet / outlet of the automated transaction device 10b. The automated transaction device 10b transmits transaction information 20a1 including information indicating the occurrence of the user 2 forgetting the cash and the forgotten amount after the withdrawal transaction to the server 20b. Further, the automated transaction device 10b transmits the location of the automated transaction device 10b and the date and time of forgetting the cash to the server 20b.

[0036] The processing unit 22 of the server 20b receives the transaction information 20a1 and the above-mentioned location and date and time of forgetting from the automated transaction device 10b, and stores the location of the automated transaction device 10b and the date and time of forgetting the cash in the storage unit 21 together with the transaction information 20a1.

[0037] The processing unit 22 receives a cash return request and input information (the location where the money was left behind, the date and time, and the amount) input to the terminal device 30 of the user 2. Then, the processing unit 22 determines whether the input information matches the stored information stored in the storage unit 21. That is, the processing unit 22 determines whether the location where the money was left behind matches the location of the automated teller machine 10b stored in the storage unit 21, the date and time match the date and time when the money was left behind, and the amount matches the amount of money left behind.

[0038] The input of the cash return request and input information to the terminal device 30 is performed, for example, through the installed bank application. The location where the money was left behind, the date and time when the money was left behind, and the amount of money left behind are information that only the user 2 himself / herself can know. By requiring the input of such information, security can be enhanced even if the user has been authenticated during login using the bank application.

[0039] Note that even if the input date and time do not exactly match the date and time when the money was left behind, the processing unit 22 may be configured to determine that they match if they are within a predetermined time period (for example, within 2 hours) of the date and time when the money was left behind.

[0040] When the processing unit 22 determines that the input information matches the stored information, it performs a process of returning the cash of the amount of money left behind to the user's account. The processing unit 22 returns the cash, for example, by updating the account information of the user 2 stored in the storage unit 21. After returning the cash, the processing unit 22 may update the presence or absence of cash being forgotten in the transaction information 20a1 to "none" and the amount of money left behind to "0".

[0041] Thus, in the automatic transaction system 1b of the second embodiment, the automatic transaction device 10b transmits transaction information 20a1 including information indicating the occurrence of the user 2 forgetting to take the cash after the withdrawal transaction and the forgotten amount to the server 20b. The server 20b receives and stores the transaction information 20a1 from the automatic transaction device 10b, and the location of the automatic transaction device 10b and the date and time of forgetting to take the cash. Further, the server 20b receives the request for returning the cash, the forgotten location, date and time, and amount input to the terminal device 30 of the user 2. Then, when the server 20b determines that the above-mentioned location, date and time of forgetting, and forgotten amount stored in the server 20b match the forgotten location, date and time, and amount input to the terminal device 30 of the user 2, respectively, the server 20b performs a process of returning the cash of the forgotten amount to the account of the user 2.

[0042] Thereby, the user 2 does not need to go to the bank counter to receive the refund of the forgotten cash amount. Also, as for the bank, it is possible to prevent an increase in unnecessary counter operations. Thus, also in the automatic transaction system 1b of the second embodiment, similar to the automatic transaction system 1a of the first embodiment, it is possible to reduce the labor and time required for the user 2 to return the cash forgotten from the automatic transaction device 10b.

[0043] 〔Third Embodiment〕 Next, the third embodiment will be described. The third embodiment is an automatic transaction system that returns the cash forgotten by the user from an ATM, which is an example of an automatic transaction device, during a withdrawal transaction.

[0044] FIG. 3 is a diagram showing an example of the automatic transaction system according to the third embodiment. The automatic transaction system 1c of the third embodiment includes an ATM 100, a server 200, and a smartphone 300 which is an example of a user's terminal device. The ATM 100, the server 200, and the smartphone 300 are connected to a network 400. The network 400 is, for example, a wide area network such as the Internet or a dedicated network. Note that a dedicated network may be used between the ATM 100 and the server 200, and a wide area network such as the Internet may be used between the server 200 and the smartphone 300.

[0045] The ATM 100 is a device that receives an input operation by a user and executes a withdrawal transaction such as cash withdrawal or a deposit transaction such as deposit or account transfer based on the received input. The ATM 100 transmits transaction information related to the transaction to the server 200. Note that the automatic transaction system 1c may include a plurality of ATMs.

[0046] The server 200 is a server computer that manages a user's bank account. The server 200 performs transmission and reception processing of transaction information related to the transaction with respect to the ATM 100 and the smartphone 300. Note that the server 200 may include a plurality of computers.

[0047] For example, a bank application (bank app) of a bank where the user conducts transactions is installed on the smartphone 300. The smartphone 300 transmits and receives transaction information to and from the server 200 through the bank app.

[0048] FIG. 4 is a diagram showing an example of the hardware configuration of the ATM. The ATM100 is controlled as a whole by the processor 101. A memory 102 and a plurality of peripheral devices are connected to the processor 101 via a bus 108. The processor 101 may be a multiprocessor. The processor 101 is, for example, a CPU, an MPU, or a DSP. At least a part of the functions realized by the execution of a program by the processor 101 may be realized by an electronic circuit such as an ASIC (Application Specific Integrated Circuit) or a PLD (Programmable Logic Device).

[0049] The memory 102 is used as the main storage device of the ATM100. At least a part of the program of the OS (Operating System) to be executed by the processor 101 and the application program are temporarily stored in the memory 102. Also, various data used for the processing by the processor 101 are stored in the memory 102. As the memory 102, for example, a volatile semiconductor storage device such as a RAM (Random Access Memory) is used.

[0050] Peripheral devices connected to the bus 108 include a storage device 103, a network interface 104, a display processing unit 105, a touch panel processing unit 106, and an I / O (Input / Output) interface 107.

[0051] The storage device 103 writes and reads data electrically or magnetically to and from the built-in recording medium. The storage device 103 is used as the auxiliary storage device of the ATM100. Various data including the program of the OS, the application program, etc. are stored in the storage device 103. Note that as the storage device 103, for example, an HDD or an SSD (Solid State Drive) can be used.

[0052] The network interface 104 is connected to the network 400. The network interface 104 transmits and receives data to and from the server 200 via the network 400.

[0053] A display processing unit 105 is connected to a display 105a. The display processing unit 105 displays various information such as operation guidance on the screen of the display 105a according to instructions from the processor 101. Examples of the display 105a include a display device using organic EL (Electro Luminescence) and a liquid crystal display device.

[0054] A touch panel processing unit 106 is connected to a touch panel 106a. The touch panel 106a is disposed, for example, in front of the display 105a. The touch panel processing unit 106 detects the position on the screen where the finger of the trader touches or approaches the touch panel 106a and notifies the processor 101.

[0055] An I / O interface 107 is connected to a card processing unit 107a, a passbook processing unit 107b, a coin processing unit 107c, a bill processing unit 107d, and a camera 107e. The I / O interface 107 notifies each connected unit of an instruction from the processor 101 according to an instruction from the processor 101. Further, the I / O interface 107 notifies the processor 101 of the information acquired from each unit via the bus 108.

[0056] The card processing unit 107a controls the insertion acceptance and ejection of a cash card. The card processing unit 107a reads information (such as an account number) recorded by the magnet attached to the inserted card.

[0057] The passbook processing unit 107b controls the intake and ejection of a passbook. Further, the passbook processing unit 107b reads information (such as an account number) recorded by the magnet attached to the taken-in passbook. The passbook processing unit 107b also has a function of printing on the passbook and can record in the passbook.

[0058] The coin processing unit 107c controls the release of coins from the coin cash box 109, the intake of coins into the cash box 109, and the opening and closing of the door at the coin inlet / outlet according to the instructions of the processor 101. The bill processing unit 107d controls the release of bills from the bill cash box 109, the intake of bills into the cash box 109, and the opening and closing of the door at the bill inlet / outlet according to the instructions of the processor 101. The bill processing unit 107d has a function of reading the type and serial number of bills. The bill processing unit 107d reads the serial number of the bills put in and taken out during deposits and withdrawals and outputs it to the processor 101.

[0059] The camera 107e generates still image or moving image data of the scene in front of the lens of the camera 107e according to an instruction from the processor 101 and stores it in the memory 102. The camera 107e is installed so as to be able to photograph the user of the ATM 100.

[0060] Also, the I / O interface 107 can read data from the portable recording medium 107f or write data to the portable recording medium 107f. The portable recording medium 107f is a recording medium such as a DVD (Digital Versatile Disc) or a CD (Compact Disc), for example.

[0061] Note that the automatic transaction devices 10a and 10b shown in the first and second embodiments can also be realized by the same hardware as the ATM 100 shown in FIG. 4. For example, the processor 101 is an example of the processing unit 11 shown in FIG. 1, and the memory 102 and the storage device 103 are examples of the storage unit 13 shown in FIG. 1. The cash box 109 is an example of the cash storage unit 12 shown in FIG. 1.

[0062] The ATM100 realizes the processing functions of the third embodiment, for example, by executing a program recorded on a computer-readable recording medium. Programs describing the processing content to be executed by the ATM100 can be recorded on various recording media. For example, the program to be executed by the ATM100 can be stored in the storage device 103. The processor 101 loads at least a part of the program in the storage device 103 into the memory 102 and executes the program. Also, the program to be executed by the ATM100 can be recorded on the portable recording medium 107f. The program stored in the portable recording medium 107f becomes executable, for example, after being installed in the storage device 103 under the control of the processor 101. Also, the processor 101 can directly read and execute the program from the portable recording medium 107f.

[0063] FIG. 5 is a diagram showing an example of the configuration of the hardware of the server. The server 200 is entirely controlled by the processor 201. A memory 202 and a plurality of peripheral devices are connected to the processor 201 via a bus 209. The processor 201 may be a multiprocessor. The processor 201 is, for example, a CPU, MPU, or DSP. At least a part of the functions realized when the processor 201 executes a program may be realized by an electronic circuit such as an ASIC or PLD.

[0064] The memory 202 is used as the main storage device of the server 200. At least a part of the OS program and application programs to be executed by the processor 201 are temporarily stored in the memory 202. Also, various data used for the processing by the processor 201 are stored in the memory 202. As the memory 202, for example, a volatile semiconductor memory device such as a RAM is used.

[0065] Peripheral devices connected to bus 209 include storage device 203, GPU (Graphics Processing Unit) 204, input interface 205, optical drive device 206, device connection interface 207, and network interface 208.

[0066] Storage device 203 electrically or magnetically writes and reads data to and from a built-in recording medium. Storage device 203 is used as an auxiliary storage device of the computer. The storage device 203 stores the OS program, application programs, and various data. Note that as the storage device 203, for example, an HDD or an SSD can be used.

[0067] Monitor 204a is connected to GPU 204. GPU 204 displays an image on the screen of monitor 204a according to instructions from processor 201. Examples of monitor 204a include a display device using organic EL and a liquid crystal display device.

[0068] Keyboard 205a and mouse 205b are connected to input interface 205. Input interface 205 transmits signals sent from keyboard 205a or mouse 205b to processor 201. Note that mouse 205b is an example of a pointing device, and other pointing devices can also be used. Examples of other pointing devices include a touch panel, a tablet, a touch pad, and a trackball.

[0069] Optical drive device 206 reads data recorded on optical disk 206a using laser light or the like. Optical disk 206a is a portable recording medium on which data is recorded so that it can be read by reflection of light. Examples of optical disk 206a include DVD, DVD-RAM, CD-ROM (Read Only Memory), CD-R (Recordable) / RW (ReWritable).

[0070] The device connection interface 207 is a communication interface for connecting peripheral devices to the server 200. For example, a memory device 207a and a memory reader / writer 207b can be connected to the device connection interface 207. The memory device 207a is a recording medium equipped with a communication function with the device connection interface 207. The memory reader / writer 207b is a device that writes data to or reads data from the memory card 207c. The memory card 207c is a card-type recording medium.

[0071] The network interface 208 is connected to the network 400. The network interface 208 transmits and receives data to and from the ATM 100, the smartphone 300, other computers, or communication devices via the network 400.

[0072] With the above hardware configuration, the server 200 can realize the processing functions of the third embodiment. Note that the servers 20a and 20b shown in the first and second embodiments can also be realized by the same hardware as the server 200 shown in FIG. 5. For example, the processor 201 is an example of the processing unit 22 shown in FIG. 2, and the memory 202 and the storage device 203 are examples of the storage unit 21 shown in FIG. 2.

[0073] Server 200 realizes the processing functions of the third embodiment, for example, by executing a program recorded on a computer-readable recording medium. Programs describing the processing contents to be executed by Server 200 can be recorded on various recording media. For example, the program to be executed by Server 200 can be stored in storage device 203. Processor 201 loads at least a part of the program in storage device 203 into memory 202 and executes the program. Also, the program to be executed by Server 200 can be recorded on portable recording media such as optical disk 206a, memory device 207a, and memory card 207c. The program stored in the portable recording media becomes executable after being installed in storage device 203 under the control of, for example, processor 201. Also, processor 201 can directly read and execute the program from the portable recording media. Next, the functions of ATM 100 and Server 200 will be described in detail.

[0074] FIG. 6 is a block diagram showing functional examples of an ATM and a server. ATM 100 includes a transaction unit 110, an authentication unit 120, a transmission / reception unit 130, and a refund processing unit 140. Transaction unit 110, authentication unit 120, transmission / reception unit 130, and refund processing unit 140 are realized by processor 101 executing a program stored in memory 102.

[0075] Transaction unit 110 executes processing for transactions using ATM 100. At the start of a transaction, transaction unit 110 accepts the insertion of a cash card and the input of a PIN. For example, transaction unit 110 causes card processing unit 107a to accept the insertion of a cash card and read the account number from the inserted cash card. Then, transaction unit 110 accepts the input of the PIN from touch panel 106a. Transaction unit 110 accepts the input of transaction details. For example, transaction unit 110 accepts an input for selecting a transaction type, transaction amount, transfer destination, etc. from touch panel 106a. The transaction type includes the return of forgotten cash.

[0076] After the transaction is executed, the transaction unit 110 causes the card processing unit 107a to eject the inserted cash card. Further, the transaction unit 110 generates transaction information related to the transaction. The transaction information includes whether there is a cash omission and the amount of the omitted cash. For example, at the time of a withdrawal transaction such as a withdrawal transaction, if cash remains at the cash entrance and exit even after a predetermined time has elapsed, the coin processing unit 107c or the bill processing unit 107d is caused to close the door of the entrance and exit, and it is determined that a cash omission has occurred.

[0077] The authentication unit 120 performs personal authentication by checking whether the correct PIN corresponding to the read account number has been input. For example, the authentication unit 120 receives the card PIN associated with the cash card from the server 200 and performs personal authentication by determining whether it matches the input PIN. Alternatively, the authentication unit 120 may cause the transceiver unit 130 to transmit the input PIN to the server 200 and obtain the result of comparing the PIN in the authentication unit 240 of the server 200 with the card PIN via the transceiver unit 130.

[0078] In addition, or instead of, personal authentication using a PIN, the authentication unit 120 may perform authentication as to whether the user 2 is the genuine user using face authentication or a smartphone 300 in order to enhance the security of personal authentication. For example, face authentication is performed by comparing a face photo of the user stored in advance in the server 200 with a face image of the user acquired from the camera 107e. Personal authentication using a smartphone 300 is performed, for example, by causing the authentication code registered in association with the account in advance to be displayed on the screen of the smartphone 300 and read by the ATM 100.

[0079] If the authentication unit 120 can confirm that the user is the one who has forgotten the cash, the authentication unit 120 permits the transaction to the transaction unit 110. If the authentication unit 120 cannot confirm that the user is the one who has forgotten the cash, the authentication unit 120 does not permit the transaction.

[0080] The transmission / reception unit 130 controls the transmission and reception of data with the server 200. The transmission / reception unit 130 transmits and receives transaction information related to transactions to and from the server 200. When the return of forgotten cash is selected on the touch panel 106a, the refund processing unit 140 accepts the input of the amount for which the return is requested from the touch panel 106a. The refund processing unit 140 receives the forgotten amount included in the transaction information from the server 200 and compares the input amount with the forgotten amount.

[0081] When the input amount matches the forgotten amount, the refund processing unit 140 performs a cash refund process. The refund processing unit 140 causes the coin processing unit 107c or the bill processing unit 107d to take out the cash of the forgotten amount from the cash storage 109 and move it to the cash entrance / exit.

[0082] The server 200 includes a storage unit 210, a transmission / reception unit 220, a transaction unit 230, an authentication unit 240, and a refund processing unit 250. The storage unit 210 is realized using the storage area of the memory 202 or the storage device 203. The transmission / reception unit 220, the transaction unit 230, the authentication unit 240, and the refund processing unit 250 are realized by the processor 201 executing the programs stored in the memory 202.

[0083] The storage unit 210 stores transaction-related information 211 and account information 212. The transaction-related information 211 includes transaction information related to transactions and information on the ATM where the transactions were conducted. The transmission / reception unit 220 transmits and receives transaction information related to transactions to and from the ATM 100 and the smartphone 300. Also, the transmission / reception unit 220 receives, for example, the login ID and password input to the smartphone 300 to start a transaction in a bank app, and the input information input to the smartphone 300 when the user requests the return of forgotten cash.

[0084] The transaction unit 230 executes processing for transactions using the smartphone 300. After the transaction is executed, the transaction unit 230 updates the transaction-related information 211 and the account information 212 stored in the storage unit 210.

[0085] The authentication unit 240 performs identity authentication by checking whether the PIN received from the ATM 100 or the password received from the smartphone 300 is the correct card PIN or password corresponding to the user's account number. When the verification is successful, the authentication unit 240 permits the ATM 100 or the transaction unit 230 to conduct a transaction with the user. If the verification fails, the authentication unit 240 does not permit the transaction. Also, when there is a request to return forgotten cash, if the verification fails, the authentication unit 240 does not permit the return.

[0086] When there is a request to return forgotten cash from the smartphone 300, the refund processing unit 250 performs a refund process. When the refund processing unit 250 receives input information (location, date and time, and amount forgotten) from the smartphone 300, it determines whether the input information matches the corresponding stored information. That is, the refund processing unit 250 determines whether the location where the cash was forgotten matches the location of the ATM 100 where the cash was forgotten, the date and time match the forgotten date and time, and the amount matches the forgotten amount. If the input date and time are within a predetermined time (for example, within 2 hours) of the forgotten date and time, the refund processing unit 250 determines that they match the forgotten date and time. When the refund processing unit 250 determines that the input information matches the stored information, it updates the account information 212 to return the forgotten amount of cash to the user's account.

[0087] Note that the lines connecting the elements shown in FIG. 6 indicate a part of the communication path, and communication paths other than the illustrated communication path can also be set. Next, the transaction-related information 211 stored in the storage unit 210 will be described in detail.

[0088] FIG. 7 is a diagram showing an example of transaction-related information when forgotten cash occurs. The transaction-related information 211 includes transaction ATM information and transaction information. The transaction ATM information includes the device branch number that identifies the branch where the ATM 100 is installed, the device serial number that identifies the ATM 100, the transaction date, and the transaction time. In the example of the transaction-related information 211 in FIG. 7, the device branch number represents the location of the ATM 100, and the transaction date and transaction time represent the date and time when the cash was forgotten.

[0089] The transaction information includes the transaction name that represents the transaction type ("Withdrawal" in the example of FIG. 7), the transaction card information that identifies the cash card inserted into the ATM 100, the PIN number entered by the transaction person at the ATM 100, the transaction amount, the presence or absence of forgotten cash, and the forgotten amount.

[0090] Hereinafter, the procedure of the refund process of the ATM 100 when a cash withdrawal transaction such as a withdrawal transaction is performed will be described using a flowchart. FIG. 8 is a flowchart showing an example of the ATM refund process procedure.

[0091] After a cash withdrawal transaction (step S10) is performed by the transaction unit 110 of the ATM 100, the transaction unit 110 determines whether or not a forgotten cash has occurred (step S11). If the transaction unit 110 determines that no forgotten cash has occurred, it generates transaction information with the presence or absence of forgotten cash set to "None" and causes the transmission / reception unit 130 to transmit it to the server 200 (step S12). Thereby, the processing of the cash withdrawal transaction is completed.

[0092] If the transaction unit 110 determines that a forgotten cash has occurred, it generates transaction information with the presence or absence of forgotten cash set to "Yes" and including the forgotten amount, and causes the transmission / reception unit 130 to transmit it to the server 200 together with the location of the ATM 100 and the date and time of the forgotten cash (step S13).

[0093] The transaction unit 110 causes the coin processing unit 107c or the bill processing unit 107d to store the forgotten cash in the cash storage 109 (step S14). When a user who has forgotten to take cash returns to the ATM 100, the transaction unit 110 accepts the insertion of the cash card (step S15).

[0094] FIG. 9 is a diagram showing an example of a card insertion acceptance screen. The transaction unit 110 causes the display 105a to display, for example, a card insertion acceptance screen 500 as shown in FIG. 9. On the card insertion acceptance screen 500, a message prompting the user to insert the cash card into the card insertion slot of the ATM 100 is displayed.

[0095] The transaction unit 110 accepts a request for cash return (step S16). FIG. 10 is a diagram showing an example of a transaction type selection screen. When the cash card is inserted, the transaction unit 110 causes the touch panel 106a to display, for example, a transaction type selection screen 501 as shown in FIG. 10. On the transaction type selection screen 501, pressable keys are displayed corresponding to each transaction type ("withdrawal", "deposit", "balance inquiry", "forgotten"). The request for cash return is accepted when the "forgotten" key is pressed. Note that a "cancel" key to be pressed when canceling the selection of the transaction type is also displayed on the transaction type selection screen 501.

[0096] When the request for cash return is accepted, the authentication unit 120 performs user authentication (step S17). FIG. 11 is a diagram showing an example of a PIN input acceptance screen when performing user authentication.

[0097] When performing user authentication, the authentication unit 120 causes the touch panel 106a to display, for example, a PIN input acceptance screen 502 as shown in FIG. 11. On the PIN input acceptance screen 502, pressable numeric keys, a "confirm" key to be pressed when the input of the PIN is completed, and a "cancel" key to be pressed when canceling the input of the PIN are also displayed.

[0098] For example, the authentication unit 120 performs personal authentication by receiving the PIN of the cash card from the server 200 and determining whether it matches the entered PIN. When it is confirmed that the user is the person who forgot to take the cash (authentication OK), the process of step S18 is performed. When it is not confirmed that the user is the person who forgot to take the cash (authentication NG), the process of step S21 is performed.

[0099] In the process of step S18, the refund processing unit 140 receives an input of the amount requested for return from the touch panel 106a. FIG. 12 is a diagram showing an example of a return request amount input reception screen.

[0100] When performing the refund process, the refund processing unit 140 causes the touch panel 106a to display, for example, a return request amount input reception screen 503 as shown in FIG. 12. On the return request amount input reception screen 503, numeric keys and the like that can be pressed to input the return request amount are displayed. Also, on the return request amount input reception screen 503, a "confirm" key to be pressed when the input of the return request amount is completed and a "cancel" key to be pressed when canceling the input of the return request amount are displayed.

[0101] The refund processing unit 140 receives the forgotten amount included in the transaction information from the server 200 and compares the input amount with the forgotten amount (step S19). When the input amount matches the forgotten amount, the refund processing unit 140 performs a cash refund process (step S20). The refund processing unit 140 causes the coin processing unit 107c or the bill processing unit 107d to take out the cash of the forgotten amount from the cash storage 109 and move it to the cash entrance / exit.

[0102] When the input amount does not match the forgotten amount, the process of step S21 is performed. In the process of step S21, an error is displayed on the display 105a or the touch panel 106a. For example, a message indicating that authentication has failed, or that the input amount and the forgotten amount do not match and that a refund cannot be made at this ATM 100, is displayed. A message prompting the user to go to the bank counter may also be displayed.

[0103] After the process of step S20 or step S21, the refund process ends. Next, the procedure when the server 200 performs the refund process will be described using a flowchart.

[0104] FIG. 13 is a flowchart showing an example of the refund process procedure of the server. When the transmission / reception unit 220 of the server 200 receives transaction information including the forgotten amount, the location of the ATM 100, and the date and time of cash forgetting from the ATM 100 (step S30), it stores them in the storage unit 210 as transaction-related information 211 (see FIG. 7) (step S31).

[0105] When a user who has forgotten to take cash requests a cash refund using the smartphone 300, the transmission / reception unit 220 of the server 200 receives a cash refund request from the user's smartphone 300 (step S32).

[0106] FIG. 14 is a diagram showing an example of a transaction type selection screen of the smartphone. After the bank application installed on the smartphone 300 is launched and logged in, a transaction type selection screen 600 as shown in FIG. 14, for example, is displayed on the touch panel of the smartphone 300.

[0107] On the transaction type selection screen 600, pressable keys are displayed corresponding to each transaction type ("transfer", "payment of fees", "balance inquiry", "card loan", "forgotten"). The transmission / reception unit 220 of the server 200 receives a cash refund request when the "forgotten" key is pressed on the touch panel of the smartphone 300. Note that a "cancel" key to cancel the selection of the transaction type is also displayed on the transaction type selection screen 600.

[0108] The transmission / reception unit 220 of the server 200 receives input information from the user's smartphone 300 (step S33). The input information includes the location (forgetting location) and date / time of the ATM 100 where the user thinks they left their cash, and the amount of cash they think they left.

[0109] FIG. 15 is a diagram showing an example of a forgetting location input screen. When the "forgetting" key is pressed on the transaction type selection screen 600, a forgetting location selection screen 601 as shown in FIG. 15, for example, is displayed on the touch panel of the smartphone 300.

[0110] The user can select the location of the ATM 100 where they left their cash on the forgetting location selection screen 601. For example, when selections are made in the order of prefecture, city, and town, a list of branches in the selected city or town is displayed as a list of installation locations. The user can specify the location of the ATM 100 by selecting a specific branch name. Note that on the forgetting location selection screen 601, a "confirm" key to be pressed when the selection of the forgetting location is completed and a "cancel" key to be pressed when canceling the selection of the forgetting location are also displayed.

[0111] The transmission / reception unit 220 of the server 200 receives the location of the ATM 100 selected as described above from the smartphone 300 as the forgetting location. FIG. 16 is a diagram showing an example of a forgetting date / time input screen.

[0112] When the selection of the forgetting location is completed, a forgetting date / time input screen 602 as shown in FIG. 16, for example, is displayed on the touch panel of the smartphone 300. The user can input the date and time when they left their cash on the forgetting date / time input screen 602. Note that on the forgetting date / time input screen 602, a "confirm" key to be pressed when the input of the forgetting date / time is completed and a "cancel" key to be pressed when canceling the input of the forgetting date / time are also displayed.

[0113] The transmission / reception unit 220 of the server 200 receives the input date and time from the smartphone 300. FIG. 17 is a diagram showing an example of a forgotten amount input screen.

[0114] When the input of the forgotten date and time is completed, a forgotten amount input screen 603 as shown in FIG. 17, for example, is displayed on the touch panel of the smartphone 300. The user can input the amount of the forgotten cash on the forgotten amount input screen 603. Note that on the forgotten amount input screen 603, a "confirmation" key to be pressed when the input of the forgotten amount is completed and a "cancellation" key to be pressed when canceling the input of the forgotten amount are also displayed.

[0115] The transmission / reception unit 220 of the server 200 receives the input amount from the smartphone 300. Note that the display order of the forgotten location selection screen 601, the forgotten date and time input screen 602, and the forgotten amount input screen 603 on the smartphone 300, or the reception order of the forgotten location, date and time, and amount at the server 200 is not limited to the above order. Also, on one screen of the smartphone 300, the input or selection of the forgotten location, date and time, and amount may be performed, and the server 200 may receive the forgotten location, date and time, and amount at the same timing.

[0116] When the reception of the input information is completed, the refund processing unit 250 of the server 200 determines whether the received input information (forgotten location, date and time, and amount) matches the corresponding stored information (step S34). That is, the refund processing unit 250 determines whether the forgotten location matches the location of the ATM 100 where the forgetting of the cash occurred, the date and time matches the forgotten date and time, and the amount matches the forgotten amount.

[0117] When it is determined that the input information and the stored information match, the process of step S35 is performed, and when it is determined that they do not match, the process of step S36 is performed. In the process of step S35, the refund processing unit 250 performs a process (refund process) of returning the cash of the forgotten amount to the user's account by updating the account information 212.

[0118] In the process of step S36, the refund processing unit 250 causes the transmission / reception unit 220 to send an error message to the smartphone 300. For example, it causes an error message indicating that the input information is incorrect to be sent. The error message may include a message prompting the user to go to the bank counter. The error message is displayed on the screen of the smartphone 300.

[0119] After the processes of steps S35 and S36, the refund process ends. Note that the above order of processes is an example, and the order of processes may be changed as appropriate. As described above, in the automatic transaction system 1c of the third embodiment, an ATM 100, which is an example of an automatic transaction device, transmits transaction information including information indicating the occurrence of forgetting to take cash by the user and the forgotten amount to the server 200 after a withdrawal transaction. Then, when the ATM 100 receives a request for returning cash from the user, it performs an authentication of whether the user is the person who forgot. When the ATM 100 authenticates that the user is the person himself / herself and determines that the input amount input by the user matches the forgotten amount, it performs a cash refund process.

[0120] Also, in the automatic transaction system 1c of the third embodiment, the server 200 receives and stores the transaction information, the location of the ATM 100, and the date and time of forgetting to take cash from the ATM 100. Further, the server 200 receives a request for returning cash, the location of forgetting, the date and time, and the amount input to a smartphone 300, which is an example of the user's terminal device. Then, when the location, the date and time of forgetting, and the forgotten amount stored in the server 200 match the location of forgetting, the date and time, and the amount input to the user's smartphone 300, respectively, the server 200 performs a process of returning the cash of the forgotten amount to the user's account.

[0121] As a result, the user does not need to go to the bank counter to receive the refund of the forgotten amount in cash. Also, the bank is prevented from having an increase in unnecessary counter operations. Thus, according to the automatic transaction system 1c of the third embodiment, it is possible to reduce the trouble and time required for the user to return the cash forgotten from the ATM 100.

[0122] In addition, when the ATM 100 receives a request for returning cash from the user, the ATM 100 may acquire the location of the ATM 100 and the date and time of forgetting from the server 200. In that case, the ATM 100 receives the location of forgetting and the date and time input by the user from, for example, the touch panel 106a or the smartphone 300. Then, when it is determined that the location and the date and time of forgetting acquired from the server 200 match the location of forgetting and the date and time input by the user, respectively, the ATM 100 may perform a process of returning the cash to the user's account.

[0123] As described above, the embodiments have been illustrated, but the configurations of each part shown in the embodiments can be replaced with other ones having the same functions. Also, other arbitrary components or processes may be added. Furthermore, it may be a combination of any two or more configurations (features) among the above-described embodiments.

Explanation of Reference Numerals

[0124] 1a, 1b, 1c Automatic transaction system 2 User 10a, 10b Automatic transaction device 11, 22 Processing unit 12 Cash storage unit 13, 21 Storage unit 20a, 20b Server 20a1 Transaction information 30 Terminal device

Claims

1. A server, and an automated transaction device that transmits transaction information including information indicating the occurrence of the user forgetting cash after a withdrawal transaction and the amount of the forgotten money to the server, and when receiving a request from the user to return the cash, performs an authentication of whether the user is the person who made the forgetfulness. When the user is authenticated as the person, obtains the amount of the forgotten money included in the transaction information of the user from the server, and when it is determined that the input amount entered by the user matches the amount of the forgotten money, performs a refund process for the cash. An automated transaction system having the above.

2. When performing the authentication of the person, the automated transaction device receives an input of a personal identification number by the user, and when the personal identification number matches the card personal identification number associated with the cash card, authenticates that the user is the person. The automated transaction system according to claim 1.

3. The automated transaction device performs the authentication of the person by face authentication or using the user's terminal device. The automated transaction system according to claim 1.

4. The automated transaction device further transmits the location of the automated transaction device and the forgotten time information to the server together with the transaction information, when receiving a request from the user to return the cash, obtains the location and the forgotten time information from the server, receives the forgotten location and time information entered by the user, and when it is determined that the location and the forgotten time information obtained from the server respectively match the forgotten location and the time information entered by the user, performs a process of returning the cash to the user's account. The automated transaction system according to claim 1.

5. When a user forgets cash after a withdrawal transaction, a cash storage unit that stores the cash, and a processing unit that transmits transaction information including information indicating the occurrence of the forgetfulness and the amount of the forgotten money to the server, and when receiving a request from the user to return the cash, performs an authentication of whether the user is the person who made the forgetfulness. When the user is authenticated as the person, obtains the amount of the forgotten money included in the transaction information of the user from the server, and when it is determined that the input amount entered by the user matches the amount of the forgotten money, takes out the cash from the cash storage unit and performs a refund process. An automated transaction device having the above.

6. An automatic transaction device that transmits transaction information including information indicating the occurrence of the user forgetting to take cash after a withdrawal transaction and the amount of the forgotten cash, A server that receives, stores the transaction information, the location of the automatic transaction device, and the information on the time when the cash was forgotten from the automatic transaction device, receives the request for returning the cash, the location where it was forgotten, the time information, and the amount input to the user's terminal device, and stores the location, the forgotten time information, and the forgotten amount included in the transaction information. When it is determined that each of them matches the location where it was forgotten, the time information, and the amount input to the user's terminal device, a process of returning the cash to the user's account is performed. An automatic transaction system having the above.

Images