Information processing device, information processing system, information processing method, and program

Abstract

To improve convenience in cash transfer transactions.SOLUTION: An information processing device is provided, comprising a transfer acknowledging unit for acknowledging an instruction to execute a cash transfer transaction from a customer, a customer identification information acquisition unit for acquiring identification information of the customer, a transaction execution unit for executing the cash transfer transaction, and an output unit for outputting details of the cash transfer transaction in association with the identification information of the customer.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing system, an information processing method, and a program. [Background technology]

[0002] In recent years, various transactions such as deposits, withdrawals, and balance inquiries are carried out using automated teller machines (ATMs). In addition, various technologies have been developed to enable users to check the details of each transaction later.

[0003] For example, Patent Document 1 discloses a technology that allows a customer to check the history of transaction results, such as deposits and withdrawals, from their account using a mobile phone or the like. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-189855 Summary of the Invention [Problem to be solved by the invention]

[0005] However, with the technology of Patent Document 1, it was not possible to check the details of a cash transfer transaction after the fact, which does not involve funds in an account. Conventionally, for cash transfer transactions, a paper statement is issued to the customer, but if the statement is lost, there was a problem in that the details of the transaction could not be checked after the fact.

[0006] Therefore, the present invention has been made in consideration of the above problems, and an object of the present invention is to provide a new and improved technology that can improve the convenience of cash transfer transactions. [Means for solving the problem]

[0007] In order to solve the above problem, according to one aspect of the present invention, an information processing device is provided, comprising: a transfer acceptance unit that accepts instructions from a customer to execute a cash transfer transaction; a customer identification information acquisition unit that acquires identification information of the customer; a transaction execution unit that executes the cash transfer transaction; and an output unit that outputs the content of the cash transfer transaction in association with the identification information of the customer.

[0008] The details of the cash transfer transaction output by the output unit may be stored in a database.

[0009] The details of the cash transfer transaction stored in the database may be displayed based on an output request using the customer's identification information.

[0010] The customer identification information may be identification information other than account information at a financial institution.

[0011] The customer's identification information may be the customer's personal number, which is officially assigned to citizens.

[0012] The customer identification information acquisition unit may acquire the personal number obtained by an automated teller machine that accepts the cash deposit for the cash transfer reading a personal number card.

[0013] The information processing device may further include an acquisition unit that acquires, when an instruction to execute the cash transfer is accepted by the transfer acceptance unit, information on approval or disapproval of the cash transfer approval request, which is notified to a notification destination associated with the customer's pre-registered identification information, and the transaction execution unit may execute the cash transfer transaction when the acquisition unit acquires the approval information.

[0014] When the acquisition unit acquires the non-approval information, the transaction execution unit may execute a transaction to deposit an amount corresponding to the cash transfer transaction into an account associated with the customer's pre-registered identification information.

[0015] In addition, according to another aspect of the present invention to solve the above problem, there is provided an information processing system comprising: a transfer acceptance unit that accepts instructions from a customer to execute a cash transfer transaction; a customer identification information acquisition unit that acquires identification information of the customer; a transaction execution unit that executes the cash transfer transaction; and an output unit that outputs the content of the cash transfer transaction in association with the identification information of the customer.

[0016] In addition, according to another aspect of the present invention to solve the above problem, there is provided an information processing method executed by a computer, which includes accepting an instruction from a customer to execute a cash transfer transaction, obtaining identification information of the customer, executing the cash transfer transaction, and outputting the content of the cash transfer transaction in association with the identification information of the customer.

[0017] In addition, according to another aspect of the present invention, in order to solve the above problem, a program is provided to cause a computer to function as a transfer acceptance unit that accepts instructions from a customer to execute a cash transfer transaction, a customer identification information acquisition unit that acquires the customer's identification information, a transaction execution unit that executes the cash transfer transaction, and an output unit that outputs the content of the cash transfer transaction in association with the customer's identification information. [Effects of the Invention]

[0018] As described above, according to the present invention, it is possible to improve the convenience of cash transfer transactions. [Brief explanation of the drawings]

[0019] [Figure 1] FIG. 1 is an explanatory diagram showing the configuration of a cash handling system 1, which is an information processing system according to a first embodiment of the present invention. [Figure 2] 1 is an explanatory diagram showing the internal configuration of an ATM 10 according to a first embodiment of the present invention. [Figure 3] 1 is an explanatory diagram showing the configuration of a transfer source bank host computer 20 according to a first embodiment of the present invention. [Figure 4]FIG. 2 is an explanatory diagram showing the configuration of a transfer monitor host 50 according to the first embodiment of the present invention. [Figure 5] 10 is a diagram showing an example of a display screen D1 displayed on the customer terminal 60, which includes a history of the details of a cash transfer transaction by the customer U. FIG. [Figure 6] FIG. 3 is a sequence diagram showing an example of operation of a cash transfer transaction execution process by the cash handling system 1 according to the first embodiment of the present invention. [Figure 7] FIG. 3 is a sequence diagram showing an example of operation of a process for displaying details of a cash transfer transaction by the cash handling system 1 according to the first embodiment of the present invention. [Figure 8] FIG. 1 is an explanatory diagram showing an example of the configuration of a cash handling system 2 according to a second embodiment of the present invention. [Figure 9] This figure shows an example of a display screen D2 displayed on the approver terminal 90 for accepting input of notification information, refund account information, and customer U's My Number when instructed to execute a cash transfer transaction. [Figure 10] FIG. 10 is a diagram showing an example of a display screen D3 displayed on the approver terminal 90 for receiving input of information on approval or disapproval by the approver A. [Figure 11] 13 is a diagram showing an example of a display screen D4 displayed on the approver terminal 90 when the approver A inputs approval information. FIG. [Figure 12] FIG. 10 is a diagram showing an example of a display screen D5 displayed on the approver terminal 90 when the approver A inputs non-approval information. [Figure 13] FIG. 10 is a sequence diagram showing an example of operation of the cash handling system 2 according to the second embodiment of the present invention. [Figure 14] FIG. 9 is a diagram illustrating a hardware configuration of an information processing device 900 according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0020] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification and drawings, components having substantially the same functional configurations are designated by the same reference numerals, and redundant explanations will be omitted.

[0021] <<1. First Embodiment>> <1-1. Overview> One embodiment of the present invention relates to a cash processing system that outputs details of a cash transfer transaction so that the details can be confirmed later when a customer uses an ATM to carry out a cash transfer transaction to a designated account. In one embodiment of the present invention, when carrying out a cash transfer transaction using an ATM, the customer uses a medium such as a card that is linked to the customer's identification information. The details of the cash transfer transaction are output to a database in association with the customer's identification information obtained by reading the medium. The details of the cash transfer transaction output to the database are then made viewable by the customer, allowing the customer to confirm the details of the cash transfer transaction later.

[0022] First, an overview of a cash handling system according to a first embodiment of the present invention will be described using FIG. 1. FIG. 1 is an explanatory diagram showing the configuration of cash handling system 1, which is an information processing system according to the first embodiment of the present invention. As shown in FIG. 1, cash handling system 1 according to one embodiment of the present invention includes ATM 10, transferor bank host computer 20, transfer recipient bank host computer 30, transaction information database 40, transfer monitoring host computer 50, customer terminal 60, and network 70 (70A-D). ATM 10 and transferor bank host computer 20 are communicatively connected via network 70A. Furthermore, transferor bank host computer 20 and transfer recipient bank host computer 30 are communicatively connected via network 70B. Furthermore, transferor bank host computer 20, transaction information database 40, and transfer monitoring host computer 50 are communicatively connected via network 70C. Furthermore, transfer monitoring host computer 50 and customer terminal 60 are communicatively connected via network 70D.

[0023] (ATM10) The ATM 10 executes various transactions such as cash transfers based on operations by a customer U. The ATM 10 is installed in a variety of facilities such as financial institution branches, convenience stores, train stations, hotels, shopping centers, hospitals, amusement parks, restaurants, or office buildings.

[0024] The ATM 10 includes an operation display unit 12, a bankbook insertion slot 14, a card insertion slot 16, a statement ejection slot 17, a bill slot 18, and a coin slot 19.

[0025] The operation display unit 12 has both a display function that displays a guidance screen for operations by the customer U and an operation detection function that detects operations by the customer U. The display function is realized, for example, by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The operation detection function is realized, for example, by a touch panel, and may also include an input function into which the customer U inputs information. For example, the customer U operates the operation display unit 12 to perform various transaction procedures such as cash transfers. The customer U may input information about the various transactions during the procedures. Note that while FIG. 1 shows an example in which the display function and the operation detection function are integrated into the ATM 10, the display function and the operation detection function may be configured separately.

[0026] The passbook insertion slot 14 is an opening for inserting and ejecting the customer U's passbook.

[0027] The card insertion slot 16 is an opening for inserting and ejecting the customer U's cash card.

[0028] The card insertion slot 16 according to the first embodiment of the present invention may be used to insert and eject a My Number card (individual number card) of customer U. The My Number card is a card on which is written a personal number (My Number) officially assigned to citizens. The My Number card has an integrated circuit (IC) chip on which personal information of customer U is recorded. The personal information of customer U includes the name and My Number of customer U. The My Number card is an example of a medium used to obtain identification information other than account information of customer U at a financial institution according to the first embodiment of the present invention.

[0029] The card insertion slot 16 may have separate openings for inserting and ejecting a cash card and for inserting and ejecting a My Number card.

[0030] The statement discharge port 17 is an opening for discharging a statement on which detailed transaction information is printed. The banknote port 18 functions as a deposit port through which banknotes are inserted by the customer U, and as a withdrawal port through which banknotes are dispensed to the customer U. The coin port 19 functions as a deposit port through which coins are inserted by the customer U, and as a withdrawal port through which coins are dispensed to the customer U.

[0031] (Bank host name 20) The transferor bank host 20 is an example of an information processing device and is a host computer managed by a financial institution (here, a bank). The transferor bank host 20 controls various transactions by communicating with the ATM 10 via the network 70A. For example, when the transferor bank host 20 receives an instruction from the ATM 10 to execute a transaction such as a cash transfer from a customer U, the transferor bank host 20 executes the transaction at the ATM 10. If the destination of the cash transfer is an account at a bank managed by the transferor bank host 20, the transferor bank host 20 controls the deposit of funds into the account. Furthermore, if the destination of the cash transfer is an account at a bank managed by the destination bank host 30, the transferor bank host 20 controls the transmission of a request to the destination bank host 30 to deposit funds into the account.

[0032] Furthermore, the transferor bank host 20 outputs the details of the cash transfer transaction accepted at the ATM 10 to the transfer destination bank host 30 via the network 70B, in association with the My Number linked to the My Number card read by the ATM 10 during the cash transfer transaction. More specifically, the details of the cash transfer transaction may include the transfer date and time, information about the transfer destination, information about the customer U who instructed the cash transfer (client information), the transfer amount, and the amount of the fee. The transfer destination information may include the branch code and account number of the transfer destination bank, the name of the transfer destination, and the like. The client information may also include the name and telephone number of the client, the customer U.

[0033] (Bank host name 30) The transfer destination bank host computer 30 is a host computer managed by a financial institution (here, a bank) different from the financial institution that manages the transfer source bank host computer 20. The transfer destination bank host computer 30 controls the deposit of funds into a destination account for a cash transfer, based on a request for deposit of funds into that account received from the transfer source bank host computer 20. Note that although an example is shown here in which one transfer destination bank host computer 30 is provided in the cash processing system 1, the cash processing system 1 may be provided with multiple transfer destination bank hosts 30 corresponding to the respective financial institutions affiliated with the financial institution that manages the transfer source bank host computer 20.

[0034] (Transaction Information Database 40) The transaction information database 40 is a database that stores the details of cash transfer transactions output by the transfer source bank host 20. The transaction information database 40 stores the details of each customer U's cash transfer transaction, such as the customer U's My Number, transfer date and time, transfer destination information, requester information, transfer amount, and fee amount. The transaction information database 40 may assign and store serial numbers in chronological order for the details of cash transfers for all customers U, or it may assign and store serial numbers in chronological order for the details of cash transfers for each customer U.

[0035] The transaction information database 40 outputs the details of the stored cash transfer transaction to the transfer monitoring host 50 via the network 70C. When the transaction information database 40 stores the details of a new cash transfer transaction, it may output the details of the cash transfer transaction to the transfer monitoring host 50, or it may output the details of the cash transfer transaction to the transfer monitoring host 50 in response to a request from the transfer monitoring host 50.

[0036] (Transfer monitoring host 50) The transfer monitoring host 50 outputs the details of the cash transfer transaction output from the transaction information database 40 to the customer terminal 60 used by customer U in response to an output request from the customer terminal 60. More specifically, in response to an output request using the My Number received from the customer terminal 60 via the network 70C, the transfer monitoring host 50 transmits to the customer terminal 60 the details of the cash transfer transaction linked to the My Number received from the transaction information database 40.

[0037] (Customer terminal 60) The customer terminal 60 is an information processing terminal used by the customer U. For example, as shown in FIG. 1, the customer terminal 60 may be a smartphone. The customer terminal 60 is not limited to this example and may also be a PC (Personal Computer) or a tablet terminal. The customer terminal 60 sends an output request using the My Number entered by the customer U to the transfer monitoring host 50. The customer terminal 60 also displays the details of the cash transfer transaction received from the transfer monitoring host 50 and presents them to the customer U. For example, the customer terminal 60 has an application provided by the transfer monitoring host 50 pre-installed. The application has functions for logging in to the transfer monitoring host 50, requesting the transfer monitoring host 50 to display a transaction history, displaying the transaction history received from the transfer monitoring host 50, and specifying the desired transaction date and time range (including specifying a specific transaction date and time). The customer U can use these functions by displaying and operating the application.

[0038] (Network 70) The network 70 is a wired or wireless transmission path for information transmitted from devices connected to the network 70. For example, the network 70 may include public line networks such as the Internet, telephone line networks, satellite communication networks, and various LANs (Local Area Networks) including Ethernet (registered trademark), WANs (Wide Area Networks), etc. Further, the network 70 may include a dedicated line network such as an IP-VPN (Internet Protocol-Virtual Private Network).

[0039] <1-2. Configuration example> <Configuration example of ATM10> The configuration of the cash processing system 1 according to the first embodiment of the present invention has been described above. Subsequently, the configuration of the ATM10 according to the first embodiment of the present invention will be described.

[0040] FIG. 2 is an explanatory diagram showing the internal configuration of the ATM10 according to the first embodiment of the present invention. As shown in FIG. 2, the ATM10 includes an operation display unit 12, a communication unit 110, a card reader unit 120, a bill deposit / withdrawal unit 150, a coin deposit / withdrawal unit 160, a storage unit 170, and a control unit 180.

[0041] (Operation display unit 12) As described with reference to FIG. 1, the operation display unit 12 has both the function of a display unit for displaying an operation guidance screen for the customer U and the function of an operation detection unit for detecting operations by the customer U. In the procedure of a cash transfer transaction, the operation display unit 12 may display a screen for guiding the insertion of a My Number card into the card insertion slot 16. Further, in the procedure of executing a cash transfer transaction, the operation display unit 12 may accept the input of transfer destination information, transfer amount, etc. Note that the method for realizing the operation detection function may be a resistive film method or an infrared method.

[0042] (Communication unit 110) The communication unit 110 transmits and receives various information to and from the transferor bank host 20 via the network 70A. For example, the communication unit 110 transmits to the transferor bank host 20 the name and My Number of the customer U, etc., read from the My Number card of the customer U by the card reading unit 120. The communication unit 110 also transmits to the transferor bank host 20 an instruction to execute the transaction, including information for executing the transaction (transaction type, transaction amount, etc.).

[0043] (Card reading unit 120) The card reading unit 120 reads magnetic information recorded on the cash card and My Number card of the customer U inserted through the card insertion slot 26. The card reading unit 120 may read magnetic information including, for example, the name of the customer U and the My Number of the customer U from the My Number card of the customer U.

[0044] (Banknote deposit / withdrawal unit 150, coin deposit / withdrawal unit 160) The banknote deposit / withdrawal unit 150 has a banknote transport path, a banknote cassette, and a function for recognizing the validity of banknotes, etc. The coin deposit / withdrawal unit 160 has a coin transport path, a coin cassette, and a function for recognizing the validity of coins, etc.

[0045] (Storage unit 170) The storage unit 170 is a storage medium that stores various information used for the operation of the ATM 10, and is configured by a hard disk or memory. For example, the storage unit 170 stores programs that the control unit 180 uses to control the operation and display unit 12, the communication unit 110, the card reading unit 120, the banknote deposit and withdrawal unit 150, the coin deposit and withdrawal unit 160, etc.

[0046] (control unit 180) The control unit 180 controls the overall operation of the ATM 10. For example, the control unit 180 controls the operation of each of the operation and display unit 12, the communication unit 110, the card reading unit 120, the banknote deposit and withdrawal unit 150, and the coin deposit and withdrawal unit 160.

[0047] The control unit 180 also controls the execution of each transaction. For example, when the operation display unit 12 accepts the start of a cash transfer transaction procedure, the control unit 180 controls the operation display unit 12 to display a guidance screen that guides the user to insert their My Number card into the card insertion slot 16. The control unit 180 may also set the name, etc. of the customer U read by the card reading unit 120 when the My Number card is inserted into the card insertion slot 16 as the client information for the cash transfer. This eliminates the need for the customer U to input their name, thereby improving the convenience of the customer U when making a cash transfer. However, the name of the customer U as the client information for the cash transfer may be changed based on the customer U's operation on the operation display unit 12.

[0048] <Configuration example of remittance source bank host 20> The configuration of the ATM 10 according to the first embodiment of the present invention has been described above. Next, the configuration of the transfer source bank host computer 20 according to the first embodiment of the present invention will be described with reference to FIG.

[0049] 3 is an explanatory diagram showing the configuration of the source bank host computer 20 according to the first embodiment of the present invention. As shown in FIG. 3, the source bank host computer 20 according to the first embodiment of the present invention has a communication unit 210, a control unit 220, and a memory unit 230.

[0050] (Communication unit 210) The communication unit 210 communicates various information with other devices. When a customer U performs a transaction using the ATM 10, the communication unit 210 acquires a transaction execution instruction, including the transaction type and transaction amount, from the ATM 10 and transmits the transaction details to the ATM 10. For example, the communication unit 210 functions as a transfer reception unit that receives an instruction to execute a cash transfer transaction from the ATM 10.

[0051] The instruction to execute a cash transfer transaction that the communication unit 210 receives from the ATM 10 includes information on the transfer destination, information on the client, the transfer amount, etc. The instruction to execute a cash transfer transaction that the communication unit 210 receives from the ATM 10 also includes the My Number linked to the My Number card that the ATM 10 reads in the cash transfer transaction. That is, the communication unit 210 according to the first embodiment of the present invention functions as a customer identification information acquisition unit that acquires the My Number as identification information of the customer U.

[0052] The communication unit 210 also functions as an output unit that outputs the details of the cash transfer transaction to the transaction information database 40 in association with the My Number of the customer U.

[0053] (control unit 220) The control unit 220 controls the overall operation of the transferor's bank host computer 20. In particular, the control unit 220 according to the first embodiment of the present invention has the functions of a transaction execution unit 221 and an output control unit 222.

[0054] (Transaction Execution Unit 221) The transaction execution unit 221 executes a transaction based on a transaction execution instruction acquired by the communication unit 210 from the ATM 10. For example, based on an instruction to execute a cash transfer transaction acquired by the communication unit 210, the transaction execution unit 221 may control the deposit of funds into a transfer destination account indicated by the instruction to execute a cash transfer transaction.

[0055] (output control unit 222) The output control unit 222 controls the communication unit 210 to output the details of the cash transfer transaction executed by the transaction execution unit 221 to the transaction information database 40.

[0056] (Storage unit 230) The storage unit 230 is a storage medium that stores various information used for the operation of the transferor bank host computer 20, and is configured with a hard disk or memory. For example, the storage unit 230 stores a program that the control unit 220 uses to control the communication unit 210 and the like.

[0057] <Configuration example of transfer monitoring host 50> The configuration of the ATM 10 according to the first embodiment of the present invention has been described above. Next, the configuration of the transfer monitor host 50 according to the first embodiment of the present invention will be described with reference to FIG.

[0058] 4 is an explanatory diagram showing the configuration of the transfer monitor host 50 according to the first embodiment of the present invention. As shown in FIG. 4, the transfer monitor host 50 according to the first embodiment of the present invention has a communication unit 510, a control unit 520, and a memory unit 530.

[0059] (Communication unit 510) The communication unit 510 communicates various information with other devices. For example, the communication unit 510 acquires the details of a cash transfer transaction made by the transfer source bank host 20 from the transaction information database 40.

[0060] Furthermore, the communication unit 510 outputs the details of the cash transfer transaction obtained from the transaction information database 40 to the customer terminal 60. More specifically, the communication unit 510 may receive an output request using the My Number from the customer terminal 60, and transmit to the customer terminal 60 a transaction history that is a history of the details of the cash transfer transaction of customer U corresponding to the My Number obtained from the transaction information database 40. The output request using the My Number may be an output request that includes, for example, the My Number and authentication information such as a password preset by customer U. The details of the cash transfer transaction of customer U may be displayed on the customer terminal 60, for example, by executing an application installed on the customer terminal 60.

[0061] Here, a display screen including the transaction history of customer U's cash transfers, which is displayed on customer terminal 60, will be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of display screen D1, which is displayed on customer terminal 60 and includes the transaction history of customer U's cash transfers. As shown in Fig. 5, display screen D1 includes transaction history H (H1 and H2) of customer U's cash transfers. Here, an example is shown in which transaction history H includes the transfer date and time, transfer destination information such as the name of the transfer destination financial institution and the name of the transferee, and the transfer amount, but the content included in transaction history H is not particularly limited, and it is sufficient that the information stored in transaction information database 40 is reflected in transaction history H as appropriate.

[0062] In this way, the details of customer U's cash transfer transaction are stored in the transaction information database 40 and displayed on the customer terminal 60, allowing customer U to check the details of the cash transfer transaction later, thereby improving the convenience of cash transfer transactions.

[0063] (Control unit 520) The control unit 520 controls the overall operation of the transfer monitor host 50. In particular, the control unit 520 according to the first embodiment of the present invention has the function of an output control unit 521.

[0064] (Output control unit 521) The output control unit 521 controls the communication unit 510 to request the transaction information database 40 to output the details of the cash transfer transaction of customer U in response to an output request received by the communication unit 510 from the customer terminal 60. Then, the output control unit 521 controls the communication unit 510 to output the details of the cash transfer transaction of customer U received by the communication unit 510 to the customer terminal 60.

[0065] (Storage unit 530) The storage unit 530 is a storage medium that stores various information used for the operation of the transfer monitoring host 50, and is configured from a hard disk or memory. For example, the storage unit 530 stores a program that the control unit 520 uses to control the communication unit 510, etc. The storage unit 530 also stores customer information such as the user ID, password, and corresponding My Number of the customer U that the customer U uses to access and use the transfer monitoring host.

[0066] <1-3. Example of operation> The configuration of each device according to the first embodiment of the present invention has been described above. Next, an example of the operation of the cash handling system 1 according to the first embodiment of the present invention will be described with reference to Figs. 6 and 7.

[0067] First, the execution process of a cash transfer transaction will be described with reference to Fig. 6. Fig. 6 is a sequence diagram showing an example of the operation of the execution process of a cash transfer transaction by the cash handling system 1 according to the first embodiment of the present invention.

[0068] First, the customer U presses "Transfer" from among the transaction types displayed on the operation display unit 12 of the ATM 10 (S101). The customer U then presses "Cash Transfer" from among the transfer types displayed on the operation display unit 12 (S102). This causes the ATM 10 to accept the start of the cash transfer transaction procedure.

[0069] Next, customer U inserts his / her My Number card into card insertion slot 16 of ATM 10 in accordance with a guidance screen displayed on ATM 10 that guides the customer to insert his / her My Number card into card insertion slot 16 of ATM 10 (S103). Here, card reading unit 120 of ATM 10 reads customer U's name and My Number from the My Number card. In addition, control unit 180 sets customer U's name read by card reading unit 120 as the person requesting the cash transfer.

[0070] Next, the customer U inputs the transfer destination information and the transfer amount according to the input screen for the transfer destination information and the transfer amount displayed on the operation display unit 12 of the ATM 10 (S104). The customer U may also input the telephone number, etc.

[0071] Next, the customer U inserts cash into the bill slot 18 and coin slot 19 of the ATM 10 in an amount equal to the sum of the transfer amount and the handling fee, which is displayed on the operation display unit 12 of the ATM 10 (S105).

[0072] The communication unit 110 of the ATM 10 transmits an instruction to execute the cash transfer transaction, including the information read from the My Number card and the information entered by the customer U, to the transferor bank host 20 (S106). The transferor bank host 20 executes the cash transfer transaction based on the received instruction to execute the cash transfer transaction.

[0073] When the cash transfer transaction is completed, the communication unit 210 of the transferor's bank host 20 sends a write request to the transaction information database 40 to store the details of the cash transfer transaction (S107). When the transaction information database 40 stores the received details of the cash transfer transaction, it sends a write completion notification to the transferor's bank host 20 (S108).

[0074] Next, the communication unit 210 of the transferor bank host 20 sends a notification to the ATM 10 indicating that it has received an instruction to execute the cash transfer transaction (S109). Then, the ATM 10 returns the My Number card inserted through the card insertion slot 16 to the customer U through the card insertion slot 16 (S110). The ATM 10 also ejects a statement on which detailed transaction information is printed to the customer U through the statement ejection slot 17 (S111). Note that if there is change for the customer U, the change may be returned through the bill slot 18 or the coin slot 19 at this point.

[0075] Next, the process of displaying the details of a cash transfer transaction will be described with reference to Fig. 7. Fig. 7 is a sequence diagram showing an example of the operation of the process of displaying the details of a cash transfer transaction by the cash handling system 1 according to the first embodiment of the present invention.

[0076] First, based on the operation of customer U, customer terminal 60 sends a user ID and password to transfer monitoring host 50 as a login request to the application provided by transfer monitoring host 50 (S201). Transfer monitoring host 50 executes authentication processing for customer U. If authentication is successful, transfer monitoring host 50 sends control information to customer terminal 60 permitting use of the application, and an operation screen for requesting display of cash transfer transaction history is displayed on customer terminal 60. The operation screen includes an input field for specifying a range of transaction dates and times to narrow down the transactions desired to be displayed, a button to send a display request, and the like, and customer U can specify a desired date and time range as necessary to make a display request.

[0077] Next, the customer terminal 60 sends a display request (output request) for the cash transfer transaction history to the transfer monitoring host 50 based on the operation of customer U (S202). The communication unit 510 of the transfer monitoring host 50 requests customer U's cash transfer transaction history from the transaction information database 40 (S203). At this time, the transfer monitoring host 50 retrieves customer U's My Number from the storage unit 530 based on customer U's user ID, and sends the transaction history request to the transaction information database 40, including customer U's My Number and the date and time range included in the display request from the customer terminal 60. Note that if customer U does not specify a date and time range, the date and time range does not need to be included in the display request. The transaction information database 40 extracts customer U's cash transfer transaction history based on the My Number included in the transaction history request and, if included, the date and time range information, and sends the extracted transaction history to the transfer monitoring host 50 (S204). At this time, if a date and time range is not specified, transactions for the entire period are extracted.

[0078] The communication unit 510 of the transfer monitoring host 50 sends application control information to the customer terminal 60 so that the transaction history of customer U's cash transfers obtained from the transaction information database 40 is displayed (S205). That is, the communication unit 510 of the transfer monitoring host 50 includes the transaction history information obtained from the transaction information database 40 based on the display request received from the customer terminal 60 in the control information and sends it to the customer terminal 60.

[0079] <<2. Second Embodiment>> <2-1.Configuration example> Next, a second embodiment of the present invention will be described. Figure 8 is an explanatory diagram showing an example of the configuration of a cash handling system 2 according to the second embodiment of the present invention. As shown in Figure 8, the cash handling system 2 according to the second embodiment of the present invention further comprises a notification information database 80 and an approver terminal 90 in addition to the components of the cash handling system 1 according to the first embodiment of the present invention. Here, the following mainly describes additional functions from the cash handling system 1 according to the first embodiment, and a description of the same functions as those in the cash handling system 1 will be omitted.

[0080] In the second embodiment of the present invention, when customer U instructs to execute a cash transfer transaction, approver A is notified of the cash transfer transaction. Approver A is then asked to approve the execution of the cash transfer transaction. The cash transfer transaction is executed only if approved by approver A. Approver A may be, for example, customer U's guardian or a relative of elderly customer U. However, approver A may also be another person as long as he or she is previously approved by customer U as an approver.

[0081] (Notification Information Database 80) The notification information database 80 stores information on the notification recipient when customer U instructs the execution of a cash transfer transaction, and information on the account to which the refund will be made if the cash transfer transaction is not approved (for example, branch code and account number). Hereinafter, the notification recipient information may be, for example, the email address or telephone number of approver A, who is the notification recipient, or the identification number of approver A in the application provided by the transfer monitoring host 50.

[0082] For example, the notification information database 80 may store the My Number of customer U, notification destination information, and refund destination account information in association with each other. Here, the refund destination account information may be information about customer U's account if customer U has an account. However, customer U who performs a cash transfer transaction may not have an account. Therefore, the refund destination account information may be information about approver A's account. The information stored in the notification information database 80 may be obtained, for example, from the approver terminal 90.

[0083] The notification information database 80 may be connected to the transfer monitoring host 50 via the network 70C, and may transmit the My Number of customer U and information on the notification destination to the transfer monitoring host 50 in response to a request from the transfer monitoring host 50. The notification information database 80 may also be connected to the transfer source bank host 20 via the network 70C, and may transmit information on the account of the refund destination to the transfer source bank host 20 in response to a request from the transfer source bank host 20.

[0084] (Bank host name 20) When the communication unit 210 of the transfer source bank host computer 20 according to the second embodiment of the present invention receives an instruction to execute a cash transfer transaction from the ATM 10, it outputs the details of the cash transfer transaction to the transaction information database 40.

[0085] The communication unit 210 of the transferor bank host 20 according to the second embodiment of the present invention functions as an acquisition unit that acquires approval information from the approver A, and the transaction execution unit 221 suspends execution of the cash transfer transaction from the time the communication unit 210 receives an instruction to execute the cash transfer transaction from the ATM 10 until approval information is acquired from the transfer monitoring host 50. Here, the procedure at the ATM 10 by the customer U may be completed when the information required to execute the cash transfer transaction is entered into the operation and display unit 12 and cash is inserted into the banknote opening 18 and the coin opening 19.

[0086] The transaction execution unit 221 executes the cash transfer transaction when approval information is acquired from the transfer monitoring host 50 after the communication unit 210 receives an instruction to execute the cash transfer transaction from the ATM 10.

[0087] On the other hand, if non-approval information is obtained from the transfer monitoring host 50 or approval information is not obtained for a predetermined period of time after the communications unit 210 receives an instruction to execute a cash transfer transaction from the ATM 10, the cash transfer transaction will not be executed. In this case, the transaction execution unit 221 may execute a refund transaction in which the amount corresponding to the cash transfer transaction instructed to be executed by the customer U is deposited into the refund destination account indicated by the refund destination account information obtained from the notification information database 80 via the network 70C.

[0088] Note that if the refund destination account is not customer U's account (i.e., if it is approver A's account), the refund transaction may be carried out only with customer U's consent. For example, if customer U agrees to deposit money into the refund destination account, customer U may communicate a preset authentication code to approver A. The authentication code may be a random number generated by the transaction execution unit 221, or may be entered into the ATM 10 by customer U during the cash transfer transaction procedure. When the authentication code entered by approver A by operating the approver terminal 90 described below is transmitted to the transfer source bank host 20 via the transfer monitoring host 50, the transaction execution unit 221 may execute the refund transaction.

[0089] Alternatively, the transaction execution unit 221 may make the customer U wait in front of the ATM 10 so that the ATM 10 does not complete the procedure by the customer U until approval information or non-approval information is obtained within a predetermined time after the communication unit 210 receives an instruction to execute a cash transfer transaction from the ATM 10, or until the predetermined time has elapsed. If approval information is obtained within the predetermined time after the communication unit 210 receives an instruction to execute a cash transfer transaction from the ATM 10, the transaction execution unit 221 may execute the cash transfer transaction and transmit control information from the communication unit 210 to the ATM 10 to display on the operation display unit 12 of the ATM 10 a message to the customer U that the waiting may end. On the other hand, if non-approval information is obtained within the predetermined time after the communication unit 210 receives an instruction to execute a cash transfer transaction from the ATM 10, or the predetermined time has elapsed, the transaction execution unit 221 may transmit control information from the communication unit 210 to the ATM 10 to request the ATM 10 to refund the amount corresponding to the cash transfer transaction to the customer U. As a result, the ATM 10 performs an operation to return the cash inserted by the customer U to the customer U. By executing the refund in this manner, the cash is reliably refunded to the customer U, and therefore, it is possible to prevent any disputes between the approver A and the customer U regarding the refunded cash.

[0090] (Transaction Information Database 40) The transaction information database 40 according to the second embodiment of the present invention stores the details of a cash transfer transaction when the details are acquired from the transferring bank host 20. The transaction information database 40 according to the second embodiment of the present invention also outputs the acquired details of the cash transfer transaction to the transfer monitoring host 50.

[0091] Furthermore, transaction information database 40 receives approval information or disapproval information (approval result) sent from approver terminal 90 in response to notification of a cash transfer transaction from transfer monitoring host 50. When transaction information database 40 receives an approval result, it may update the content of the cash transfer transaction by including the approval result in the content of the cash transfer transaction.

[0092] (Transfer monitoring host 50) When the communication unit 510 of the transfer monitoring host 50 according to the second embodiment of the present invention acquires the details of a cash transfer transaction from the transaction information database 40, it requests information on the notification destination associated with the My Number of customer U included in the details of the cash transfer transaction from the notification information database 80. Then, upon acquiring the information on the notification destination from the notification information database 80, the communication unit 510 sends a notification of the cash transfer transaction to the approver terminal 90 of the notification destination indicated by the information on the notification destination. The notification of the cash transfer transaction includes an approval request for requesting approver A to approve or disapprove the execution of the cash transfer transaction. However, the approval request may be sent separately to the approver terminal 90.

[0093] The communication unit 510 may send a notification of the cash transfer transaction to the email address indicated by the notification destination information, or may send a notification of the cash transfer transaction from an application installed on the approver terminal 90 based on the identification number indicated by the notification destination information.

[0094] Furthermore, the communication unit 510 may transmit the approval information or disapproval information transmitted in response to the notification of the cash transfer transaction received from the approver terminal 90 to the transferring bank host 20 via the network 70C. Furthermore, the communication unit 510 may output the approval information or disapproval information transmitted in response to the notification of the cash transfer transaction received from the approver terminal 90 to the transaction information database 40 as updated information on the content of the cash transfer transaction.

[0095] (Approver terminal 90) The approver terminal 90 is an information processing terminal used by the approver A. The approver terminal 90 may be, for example, a smartphone as shown in Fig. 8. Furthermore, the approver terminal 90 is not limited to this example and may be a PC, a tablet terminal, or the like.

[0096] The approver terminal 90 is connected to the transfer monitoring host 50 via the network 70D for communication. The approver terminal 90 may accept input of information to be stored in the notification information database 80 so that a notification is executed when customer U instructs the execution of a cash transfer transaction. For example, the approver terminal 90 may accept input of information about the notification destination and the refund account information when instructed to execute a cash transfer transaction, as well as customer U's My Number. The approver terminal 90 transmits the input information about the notification destination, the refund account information, and customer U's My Number to the transfer monitoring host 50. The transfer monitoring host 50 outputs the received information to the notification information database 80.

[0097] 9 is a diagram showing an example of a display screen D2 displayed on the approver terminal 90 for inputting notification destination information, refund destination account information, and the My Number of customer U when an instruction to execute a cash transfer transaction is given. As shown in FIG. 9, the display screen D2 includes linkage information input fields P (P1 to P5). The approver A operates the approver terminal 90 to input each piece of information into the linkage information input field P.

[0098] The linkage information input field P1 is a field for entering customer U's My Number, which is associated with the notification information and the refund account information. The linkage information input field P2 is a field for entering the phone number of approver A, who will be notified when customer U instructs the execution of a cash transfer transaction. The linkage information input field P3 is a field for entering the email address of approver A, who will be notified when customer U instructs the execution of a cash transfer transaction. The linkage information input field P4 is a field for entering the refund account information. The linkage information input field P5 is a field for selecting the notification method from sending an SMS (Short Message Service) to the phone number entered in the linkage information input field P2, or sending an email to the email address entered in the linkage information input field P3.

[0099] In order for the approver terminal 90 to accept input of information to be stored in the notification information database 80, the approver terminal 90 may be required to read the My Number card of the customer U. This reduces the possibility that the notification destination information, refund destination account information, and the My Number of the customer U will be fraudulently associated and registered. Furthermore, the information to be stored in the notification information database 80 may be input by the customer terminal 60 in the first embodiment of the present invention.

[0100] Furthermore, the approver terminal 90 accepts input of approval or disapproval information by approver A in response to notification of the cash transfer transaction received from the transfer monitoring host 50. The approver terminal 90 transmits the approval or disapproval information input by approver A to the transfer monitoring host 50. The screen displayed on the approver terminal 90 for accepting input of approval or disapproval by approver A may be displayed by the transfer monitoring host 50 notifying the approver terminal 90 of the URL of the web server that provides the screen by email or SMS, and the approver terminal accessing the URL. In this case, the screen displayed in response to input of approval or disapproval by approver A is similarly transmitted to the approver terminal 90 by the web server and displayed there.

[0101] FIG. 10 is a diagram showing an example of a display screen D3 displayed on the approver terminal 90 for accepting input of approval or disapproval information by approver A. As shown in FIG. 10, the display screen D3 includes an accept button B1 and a cancel button B2. If approver A approves the cash transfer transaction, he / she presses the accept button B1. If approver A does not approve the cash transfer transaction, he / she presses the cancel button B2. As a result, the approval or disapproval information is notified to the transfer monitoring host 50.

[0102] Fig. 11 is a diagram showing an example of a display screen D4 displayed on the approver terminal 90 when approval information is input by the approver A. The display screen D4 may be a screen to which the user transitions when the accept button B1 on the display screen D3 shown in Fig. 10 is pressed. As shown in the display screen D4, when approval information is input by the approver A, the approver terminal 90 may notify the approver A that it will execute the cash transfer transaction instructed to be executed by the customer U.

[0103] Fig. 12 is a diagram showing an example of a display screen D5 displayed on the approver terminal 90 when approver A inputs non-approval information. Display screen D5 may be a screen to which the user transitions when the cancel button B2 on display screen D3 shown in Fig. 10 is pressed. As shown in display screen D5, when approver A inputs non-approval information, the approver terminal 90 may notify approver A that the cash transfer transaction instructed to be executed by customer U will not be executed, and a refund transaction will be executed instead.

[0104] The above describes examples of the display screens displayed on the approver terminal 90. The approver terminal 90 may further display the details of the cash transfer transaction received from the transfer monitoring host 50 and present them to the approver A, similar to the customer terminal 60 according to the first embodiment of the present invention.

[0105] As explained above, it is possible to prevent damage from bank transfer fraud using cash transfers by executing a cash transfer transaction only with the approval of approver A. In addition, by having approver A check the transfer destination and transfer amount of the cash transfer instructed to be executed by customer U, it is possible to prevent the cash transfer transaction from being executed with an incorrect transfer destination and transfer amount.

[0106] <2-2. Example of operation> An example of the configuration of each component of the second embodiment of the present invention has been described above. Next, an example of the operation of cash handling system 2 according to the second embodiment of the present invention will be described with reference to Fig. 13. Fig. 13 is a sequence diagram showing an example of the operation of cash handling system 2 according to the second embodiment of the present invention.

[0107] First, when the communication unit 210 of the transfer source bank host 20 receives an instruction to execute a cash transfer transaction from the ATM 10, it sends a write request to the transaction information database 40 to store the details of the cash transfer transaction (S301).

[0108] The transaction information database 40 outputs an additional notification of the transfer transaction details, including the acquired details of the cash transfer transaction, to the transfer monitoring host 50 (S302). Then, the communication unit 510 of the transfer monitoring host 50 sends a request for information on the notification destination associated with the My Number of customer U, which is included in the details of the cash transfer transaction, to the notification information database 80 (S303). In response to the request from the transfer monitoring host 50, the notification information database 80 sends information on the notification destination associated with the My Number of customer U to the transfer monitoring host 50 (S304).

[0109] The communication unit 510 of the transfer monitoring host 50 sends a notification of the cash transfer transaction to the notification destination indicated by the notification destination information obtained from the notification information database 80 (S305). The approver terminal 90 accepts input of approval information or disapproval information by approver A (S306). The approver terminal 90 notifies the transfer monitoring host 50 of the approval information or disapproval information input by approver A as the approval result (S307).

[0110] The communication unit 510 of the transfer monitoring host 50 outputs a request to update the details of the cash transfer transaction, including the obtained approval result, to the transaction information database 40 (S308). The transaction information database 40 updates the details of the cash transfer transaction and sends an update completion notice to the transfer monitoring host 50 (S309).

[0111] Furthermore, 510 of the transfer monitoring host 50 transmits the obtained approval result to the transferor bank host 20 (S310). The transaction execution unit 221 of the transferor bank host 20 executes processing according to the approval result (S311). More specifically, if approval information is obtained from the transfer monitoring host 50, the transaction execution unit 221 executes a cash transfer transaction. If non-approval information is obtained from the transfer monitoring host 50, the transaction execution unit 221 does not execute the cash transfer transaction, but instead acquires refund destination account information from the notification information database 80 and executes a refund transaction in which the amount corresponding to the cash transfer transaction instructed to be executed by customer U is deposited.

[0112] <<3. Hardware configuration example>> Next, we will explain examples of the hardware configuration of the ATM 10, transferor bank host 20, transferee bank host 30, transaction information database 40, transfer monitoring host 50, customer terminal 60, network 70, notification information database 80, and approver terminal 90 in an embodiment of the present invention.

[0113] The following describes an example of the hardware configuration of an information processing device 900 as an example of the hardware configuration of an ATM 10, a transferor bank host computer 20, a transferee bank host computer 30, a transaction information database 40, a transfer monitoring host computer 50, a customer terminal 60, a network 70, a notification information database 80, and an approver terminal 90 according to an embodiment of the present invention. Note that the hardware configuration example of the information processing device 900 described below is merely an example of the hardware configuration of the ATM 10, a transferor bank host computer 20, a transferee bank host computer 30, a transaction information database 40, a transfer monitoring host computer 50, a customer terminal 60, a network 70, a notification information database 80, and an approver terminal 90. Therefore, with regard to the hardware configuration of the ATM 10, a transferor bank host computer 20, a transferee bank host computer 30, a transaction information database 40, a transfer monitoring host computer 50, a customer terminal 60, a network 70, a notification information database 80, and an approver terminal 90, unnecessary components may be removed from the hardware configuration of the information processing device 900 described below, or new components may be added.

[0114] 14 is a diagram showing the hardware configuration of an information processing device 900 according to an embodiment of the present invention. The information processing device 900 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 904, a bridge 905, an external bus 906, an interface 907, an input device 908, an output device 909, a storage device 910, and a communication device 911.

[0115] The CPU 901 functions as an arithmetic processing unit and control unit, and controls the overall operation of the information processing device 900 in accordance with various programs. The CPU 901 may also be a microprocessor. The ROM 902 stores programs used by the CPU 901, calculation parameters, etc. The RAM 903 temporarily stores programs used in the execution of the CPU 901, parameters that change as appropriate during the execution, etc. These are interconnected by a host bus 904 that is composed of a CPU bus, etc.

[0116] The host bus 904 is connected to an external bus 906, such as a PCI (Peripheral Component Interconnect / Interface) bus, via a bridge 905. It is not necessary to configure the host bus 904, bridge 905, and external bus 906 separately, and these functions may be implemented on a single bus.

[0117] The input device 908 is composed of input means such as a mouse, keyboard, touch panel, buttons, microphone, switches, and levers that allow the user to input information, and an input control circuit that generates an input signal based on the user's input and outputs it to the CPU 901. By operating this input device 908, the user operating the information processing device 900 can input various data to the information processing device 900 and instruct the information processing device 900 to perform processing operations.

[0118] The output device 909 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, or a lamp, and an audio output device such as a speaker.

[0119] The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, and a deletion device for deleting data recorded on the storage medium. The storage device 910 is configured, for example, with an HDD (Hard Disk Drive). This storage device 910 drives a hard disk and stores programs executed by the CPU 901 and various data.

[0120] The communication device 911 is, for example, a communication interface configured with a communication device for connecting to a network, etc. The communication device 911 may be compatible with either wireless communication or wired communication.

[0121] The above describes examples of hardware configurations of the ATM 10, transferor bank host 20, transferee bank host 30, transaction information database 40, transfer monitoring host 50, customer terminal 60, network 70, notification information database 80, and approver terminal 90 in an embodiment of the present invention.

[0122] <<4. Supplementary Information>> Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art to which the present invention pertains can conceive of various modifications and alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

[0123] For example, in the above embodiment, customer U's identification information is read from his / her My Number card during a cash transfer transaction, but the present invention is not limited to such an example. For example, customer U's identification number may be read from customer U's cash card or passbook. In this case, customer U's identification number may be customer U's account information. Furthermore, customer U's identification number may be read from a medium other than that provided by the financial institution. For example, customer U's identification number may be read from a transportation IC card that customer U can use on public transportation. In this case, customer U's identification number may be the unique number of the transportation IC card. By reading customer U's identification number from a medium other than that provided by the financial institution, even customer U who does not have an account with the financial institution can check the details of the cash transfer transaction later.

[0124] Furthermore, in the above embodiment, an example has been described in which the details of the cash transfer transaction are displayed on the customer terminal 60 or the approver terminal 90, but the details of the cash transfer transaction may be obtained by the transferor bank host 20 from the transaction information database 40 and output to the ATM 10. The details of the cash transfer transaction may then be displayed on the operation display unit 12 of the ATM 10 in response to an operation of the operation display unit 12 by the customer U.

[0125] It is also possible to create one or more computer programs for causing hardware such as a CPU, ROM, and RAM built into ATM 10, transferor bank host 20, transfer destination bank host 30, transaction information database 40, transfer monitoring host 50, customer terminal 60, network 70, notification information database 80, and approver terminal 90 to perform the functions of ATM 10, transferor bank host 20, transfer destination bank host 30, transaction information database 40, transfer monitoring host 50, customer terminal 60, network 70, notification information database 80, or approver terminal 90. A computer-readable storage medium having stored thereon one or more computer programs is also provided. [Explanation of symbols]

[0126] 1, 2 Cash processing system 10 ATM 12 Operation display section 16 Card slot 110 Communications Department 120 control section 130 Card reader 160 Storage section 20 Transferring bank host 210 Communications Department 220 Control Unit 221 Transaction Execution Department 222 Output control section 230 Storage section 30 Bank Host 40 Transaction Information Database 50 Transfer monitoring host 510 Communications Department 520 control section 521 Output control section 530 Storage section 60 Customer terminals 70 Network 80 Notification Information Database 90 Approver terminal

Claims

1. a transfer reception unit that receives instructions from a customer to execute a cash transfer transaction; a customer identification information acquisition unit that acquires the customer identification information; a transaction execution unit that executes the cash transfer transaction; an output unit that outputs the details of the cash transfer transaction in association with the customer's identification information; An information processing device comprising:

2. The information processing device according to claim 1 , wherein the content of the cash transfer transaction output by said output unit is stored in a database.

3. 3. The information processing device according to claim 2, wherein the details of the cash transfer transaction stored in the database are displayed to the customer in response to an output request using the customer's identification information.

4. The information processing device according to claim 1 , wherein the customer identification information is identification information other than account information of a financial institution.

5. The information processing device according to claim 4 , wherein the customer identification information is a personal number of the customer that is officially assigned to citizens.

6. The information processing device according to claim 5 , wherein the customer identification information acquisition unit acquires the personal number obtained by an automated teller machine that accepts the cash deposit for the cash transfer reading a personal number card.

7. The information processing device includes: an acquisition unit that acquires, when the instruction to execute the cash transfer is accepted by the transfer acceptance unit, information on approval or disapproval of the cash transfer approval request, which is notified to a notification destination associated with the customer's identification information that has been registered in advance; the transaction execution unit executes the cash transfer transaction when the acquisition unit acquires the approval information. The information processing device according to claim 1 .

8. when the acquisition unit acquires the information of non-approval, the transaction execution unit executes a transaction to deposit an amount corresponding to the cash transfer transaction into an account associated with the pre-registered identification information of the customer; The information processing device according to claim 7 .

9. a transfer reception unit that receives instructions from a customer to execute a cash transfer transaction; a customer identification information acquisition unit that acquires the customer identification information; a transaction execution unit that executes the cash transfer transaction; an output unit that outputs the details of the cash transfer transaction in association with the customer's identification information; An information processing system comprising:

10. Accepting instructions from customers to execute cash transfer transactions; obtaining identification information of the customer; executing said cash transfer transaction; outputting the details of the cash transfer transaction in association with the customer's identification information; 2. A computer-implemented information processing method, comprising:

11. Computer, a transfer reception unit that receives instructions from a customer to execute a cash transfer transaction; a customer identification information acquisition unit that acquires the customer identification information; a transaction execution unit that executes the cash transfer transaction; an output unit that outputs the details of the cash transfer transaction in association with the customer's identification information; A program to function as a

Images