Deposit / withdrawal transaction system and deposit / withdrawal transaction method

Abstract

To appropriately and easily establish a communication connection between a mobile terminal carried by a user and an automatic transaction device for depositing and withdrawing currency.SOLUTION: A deposit / withdrawal transaction system has an automatic transaction device, and a mobile terminal connectable to an Internet banking system. The automatic transaction device transmits a packet containing identification information on the automatic transaction device to the surrounding area in a connection standby state of first communication means, and the automatic transaction device then provides the identification information to the mobile terminal by a method different from the first communication means. The mobile terminal identifies an automatic transaction device to which it should connect using the identification information extracted from the packet and the identification information provided by the method different from the first communication means, establishes two-way communication with the identified automatic transaction device via the first communication means, connects to an Internet banking system, and causes the automatic transaction device to execute a deposit and withdrawal transaction related to an identified account using the first communication means, and after the deposit and withdrawal transaction is completed, disconnects the two-way communication via the first communication means.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a deposit / withdrawal transaction system and a deposit / withdrawal transaction method. [Background technology]

[0002] 2. Description of the Related Art Services that allow transactions such as deposits and withdrawals to be carried out at an automated teller machine (ATM) without using a cash card are increasing. Japanese Patent Publication No. 2017-228270 (Patent Document 1) states that "a highly convenient cash cardless provision system is realized," and that "the provision device includes a receiving unit that receives first information received by the communication terminal from the first information processing device via a network through direct communication with the communication terminal, and a providing unit that places a tangible object in a state where it can be provided based on the first information.The provision device also includes a receiving unit that receives the first information received by the communication terminal from the first information processing device via a network through direct communication with the communication terminal, and a providing unit that provides electronic information through direct communication based on the first information." JP 2017-004496 A (Patent Document 2) states, "We provide a method and system for performing secure cardless transactions using a user device." and "First, an authenticated banking application is downloaded onto the user device. The application is linked to the user by a unique ID. The user logs in to the downloaded application to perform the transaction. After logging in, the user device and the ATM are securely paired. The ATM also has a location-based unique ID. The secure pairing process uses parameters such as a specific application identifier and a transaction terminal identifier. When the user initiates the secure pairing process, the ATM displays a unique number generated by the bank server. The unique number is linked to the user and is entered into the portable device. Furthermore, biometric authentication is performed, and after verification, a token ID is generated." [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2017-228270 [Patent Document 2] Japanese Patent Application Laid-Open No. 2017-004496 Summary of the Invention [Problem to be solved by the invention]

[0004] Patent Document 1 discloses that cash cardless transactions are realized by transmitting specific information such as transaction information from a communication terminal to an ATM via short-range wireless communication. The technology in Patent Document 1 requires that the communication terminal and the ATM be brought closer together each time communication is performed between them. In Patent Document 2, to pair a communication terminal with an ATM, a bank server receives a request from the communication terminal and generates a unique passcode for each transaction, which is then displayed on the ATM. The user enters the passcode displayed on the ATM into their own communication terminal, and pairing is enabled if the passcodes match. Patent Document 2 discloses that when a user enters the vicinity of an ATM, a pairing request is initiated by the user device, and that the pairing request can be initiated by switching on NFC (Near Field Communication) / Bluetooth (registered trademark) or any other short-range protocol enabled on the user device, but does not specifically disclose a method for identifying the connection partner.

[0005] Therefore, an object of the present invention is to provide an appropriate and easy communication connection between a portable terminal carried by a user and an automated teller machine that deposits and dispenses money. [Means for solving the problem]

[0006] In order to achieve the above object, one representative deposit / withdrawal transaction system of the present invention comprises an automated teller machine capable of depositing and withdrawing currency, and a portable terminal connectable to an Internet banking system, wherein the automated teller machine, while in a connection standby state of a first communication means, transmits a packet including identification information of the automated teller machine to its surroundings, the automated teller machine provides the identification information to the portable terminal by a method different from that of the first communication means, the portable terminal identifies an automated teller machine to connect to using the identification information extracted from the packet and the identification information provided by a method different from that of the first communication means, establishes two-way communication with the identified automated teller machine via the first communication means, connects to the Internet banking system, and causes the automated teller machine to execute a deposit / withdrawal transaction related to the identified account using the first communication means, and the automated teller machine and / or the portable terminal disconnects the two-way communication via the first communication means after the deposit / withdrawal transaction is completed. Furthermore, one representative deposit / withdrawal transaction method of the present invention is a deposit / withdrawal processing method in a deposit / withdrawal transaction system having an automated teller machine capable of depositing and withdrawing currency and a portable terminal connectable to an Internet banking system, characterized in that it includes the steps of: the automated teller machine transmitting a packet including identification information of the automated teller machine to its surroundings while in a connection standby state of a first communication means; the automated teller machine providing the identification information to the portable terminal by a method other than the first communication means; the portable terminal identifying an automated teller machine to connect to using the identification information extracted from the packet and the identification information provided by a method other than the first communication means, establishing two-way communication with the identified automated teller machine via the first communication means, connecting to the Internet banking system, and causing the automated teller machine to execute a deposit / withdrawal transaction related to the identified account using the first communication means; and the automated teller machine and / or the portable terminal disconnecting the two-way communication via the first communication means after the deposit / withdrawal transaction is completed. [Effects of the Invention]

[0007] According to the present invention, it is possible to appropriately and easily establish a communication connection between a mobile terminal carried by a user and an automated teller machine that deposits and dispenses currency. Problems, configurations, and effects other than those described above will become clear from the following description of the embodiment. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is an explanatory diagram of a deposit / withdrawal transaction according to an embodiment. [Figure 2] ATM configuration diagram. [Figure 3] FIG. [Figure 4] 10 is a flowchart showing an example of a processing procedure of an ATM. [Figure 5] 10 is a flowchart showing a processing procedure of the mobile terminal. [Figure 6] Sequence diagram of withdrawal processing. [Figure 7] FIG. 10 is a sequence diagram of a withdrawal process when a mobile terminal generates card information. [Figure 8] FIG. 10 is a sequence diagram of a withdrawal process when an ATM generates card information. [Figure 9] A sequence diagram of a withdrawal process when a mobile terminal communicates with an accounting transaction server. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, an embodiment will be described with reference to the drawings. [Example]

[0010] FIG. 1 is an explanatory diagram of a deposit / withdrawal transaction according to an embodiment. The mobile terminal 10 is a terminal carried by a user who is an operator, such as a smartphone or tablet terminal. By executing a predetermined application, the mobile terminal 10 communicates with an Internet transaction server and can perform Internet banking. This Internet banking does not require a cash card. If the Internet banking transaction is, for example, a transfer, the mobile terminal 10 can complete the transaction by communicating with the Internet transaction server. However, when performing a transaction involving the deposit or withdrawal of currency (deposit / withdrawal transaction), such as depositing money into an account or withdrawing money from an account, the mobile terminal 10 needs to be linked to an automated teller machine such as an ATM 20 or a cash dispenser.

[0011] The mobile terminal 10 and the ATM 20 communicate with each other when conducting deposit and withdrawal transactions. For communication related to deposit and withdrawal transactions, a protocol that identifies a connection partner, establishes a connection, and enables bidirectional data communication is desirable. For example, Bluetooth (registered trademark), BLE (Bluetooth Low Energy), UWB (Ultra-Wide Band), etc. are suitable. On the other hand, NFC, etc., requires the mobile terminal 10 to be brought close to the ATM 20 for each data communication, and is therefore not suitable for communication related to deposit and withdrawal transactions. In this embodiment, an example in which BLE is used for communication related to deposit and withdrawal transactions will be described.

[0012] In BLE, advertising packets are transmitted to the surrounding area in a connection standby state, and pairing is performed with a communication partner that receives the advertising packet, thereby identifying the connection partner and establishing a connection. Here, if multiple ATMs 20 are installed in close proximity, advertising packets are transmitted from the multiple ATMs 20, and the mobile terminal 10 must select which ATM 20 to connect to.

[0013] Therefore, in this embodiment, the identification information (ATMID) of the ATM 20 is provided to the mobile terminal 10 via multiple routes, and the ATMIDs are compared to identify the connection partner. Specifically, when the ATM 20 receives an operation (terminal-linked transaction operation) indicating that a transaction will be performed in cooperation with the mobile terminal 10, the ATM 20 displays a two-dimensional code indicating information including the ATM ID. The mobile terminal 10 optically reads the two-dimensional code indicating the ATM ID. As will be described later, the identification information of the ATM 20 may be passed to the mobile terminal by a method other than reading the two-dimensional code by the mobile terminal. Furthermore, the ATM 20 transmits an advertising packet including the ATM ID to the surrounding area while in a BLE connection standby state. The mobile terminal 10 acquires the ATM ID from the received advertising packet. The ATM ID may be converted or encrypted based on rules between the ATM and the mobile terminal, and the converted or encrypted information may be included in the advertising packet.

[0014] The mobile terminal 10 compares the optically read ATM ID with the ATM ID acquired from the advertising packet to determine whether they match. The mobile terminal 10 establishes BLE pairing with the ATM 20 that sent the advertising packet with the matching ATM ID. The paired mobile terminal 10 and ATM 20 perform deposit and withdrawal transactions using BLE. The BLE pairing is terminated at the end of one transaction. In other words, even if the mobile terminal 10 performs multiple transactions in cooperation with the same ATM 20, the BLE pairing is terminated at the end of one transaction, and the pairing is reestablished when the next transaction is performed. If the mobile terminal 10 and the ATM 20 unintentionally continue to be connected to each other after a transaction, there is a risk of unauthorized use by a third party, but this risk can be avoided by severing the pairing after each transaction. Also, since operators of the ATM 20 generally change frequently, continuing the communication connection between the mobile terminal 10 and the ATM 20 after a transaction could hinder use by the next operator, but severing the pairing after each transaction allows for a smooth change of operator.

[0015] 2 is a configuration diagram of the ATM 20. The ATM 20 has a control unit 21, an accounting system communication unit 22, a display unit 23, an operation unit 24, a BLE communication unit 25, an NFC communication unit 26, a camera 27, a proximity sensor 28, a memory unit 29, a currency storage 30, and a card reader 31.

[0016] The accounting system communication unit 22 is an interface that communicates with the accounting system transaction server via the accounting system network. The display unit 23 is a device that displays and outputs various information to the operator, and is, for example, a liquid crystal display. The operation unit 24 is a device that accepts operations by an operator, and is, for example, a touch panel.

[0017] The BLE communication unit 25 is an interface that communicates with the mobile terminal 10 and the like using BLE. The NFC communication unit 26 is an interface that communicates with the mobile terminal 10 and the like via NFC. The camera 27 is an imaging device installed so as to be able to capture an image of a person operating the ATM 20 . The approach sensor 28 is a sensor that detects the approach of an operator. The storage unit 29 stores various data related to the operation of the ATM 20. An ATMID, which is identification information that uniquely identifies the ATM 20, is stored in the storage unit 29. Note that the NFC communication unit may not be provided if NFC communication is not used.

[0018] The currency storage vault 30 stores coins and notes by denomination and manages the inventory. When a deposit is received, the currency storage vault 30 updates the inventory and notifies the control unit 21 of the amount of the deposit. The currency storage vault 30 also dispenses the amount specified by the control unit 21 and updates the inventory. The card reader 31 accepts a cash card, reads card data from the cash card, and transmits the card data to the control unit 21.

[0019] The control unit 21 controls the operation of the ATM 20. The control unit 21 may be configured to realize various functions by, for example, a CPU (Central Processing Unit) executing a predetermined program.

[0020] The control unit 21 includes a transaction processing unit 21a, an ATM ID providing unit 21b, and a BLE communication management unit 21c. The transaction processing unit 21a is a processing unit that performs various transactions. The transactions performed by the transaction processing unit 21a include normal transactions and terminal-linked transactions. In a normal transaction, the transaction processing unit 21a determines the transaction contents based on the card data read by the card reader 31 and the operation contents accepted by the operation unit 24, and processes the transaction by communicating with the accounting transaction server.Normal transactions include transfers, deposits, withdrawals, and balance inquiries.For convenience, operations to perform normal transactions are called normal transaction operations.

[0021] In a terminal-linked transaction, the transaction processing unit 21a processes the transaction based on data received from the mobile terminal 10 via BLE. Terminal-linked transactions include deposits and withdrawals. For convenience, the operation of performing a terminal-linked transaction is referred to as a terminal-linked transaction operation. In a terminal-linked transaction, BLE is used to communicate with the mobile terminal 10 and process the transaction, and it is preferable that this communication be encrypted at the application layer. That is, security can be improved by performing encryption at a higher layer in addition to encryption in the BLE communication protocol. Details of the processing of a terminal-linked transaction will be described later.

[0022] The ATMID providing unit 21b provides the ATMID to the mobile terminal 10 via a route different from BLE. One example is a display on the display unit 23. Specifically, when the operation unit 24 receives an operation to perform a terminal-linked transaction, a two-dimensional code indicating information including the ATM ID is displayed on the display unit 23. Note that the format is not limited to a two-dimensional code, and any format that can be read by the mobile terminal 10 can be used. One example is displaying the ATM ID on the ATM housing. Specifically, the ATM ID is always displayed on the ATM housing. Information including the ATM ID is displayed in a format that can be read by a mobile device, such as a two-dimensional code, one-dimensional code, or character string, and the mobile device can obtain the ATM ID by reading it. One example is transmission by the NFC communication unit 26. Specifically, when the mobile terminal 10 approaches the NFC communication unit 26, information including the ATM ID is transmitted to the mobile terminal 10. As already explained, NFC is not suitable for communications related to deposit and withdrawal transactions, but since transmission of the ATM ID is possible with a single communication in one direction, NFC can be used. Furthermore, the information including the ATM ID may be information that has been converted or encrypted based on rules between the mobile terminal and the ATM.

[0023] The BLE communication management unit 21c is a processing unit that manages communication by the BLE communication unit 25. The BLE communication management unit 21c uses the output of the camera 27 or the proximity sensor 28, or the input content to the operation unit 24, and puts the BLE communication unit 25 into a communication standby state on the condition that an operator is present. BLE communication unit 25, which has entered a communication standby state, transmits an advertising packet including the ATM ID to the surrounding area. BLE communication unit 25 then pairs with mobile terminal 10 that received the advertising packet. The communication after pairing is used for transaction processing by transaction processing unit 21a. After the transaction is completed, the BLE communication management unit 21c cancels the pairing. When pairing is cancelled, the information identifying the connection destination is deleted. Therefore, even if you pair with the same connection destination again, it will not automatically reconnect.

[0024] 3 is a configuration diagram of the mobile terminal 10. The mobile terminal 10 has a control unit 11, an Internet communication unit 12, a display unit 13, an operation unit 14, a BLE communication unit 15, an NFC communication unit 16, a camera 17, and a storage unit 18.

[0025] The internet communication unit 12 is an interface that connects to an internet transaction server via the internet. The display unit 13 is a device that displays and outputs various information to the operator, and is, for example, a liquid crystal display. The operation unit 14 is a device that accepts operations by an operator, and is, for example, a touch panel.

[0026] The BLE communication unit 15 is an interface that communicates with the ATM 20 and the like using BLE. The NFC communication unit 16 is an interface that communicates with the ATM 20 and the like via NFC. The camera 17 is an imaging device capable of capturing an image of the two-dimensional code displayed by the ATM 20. The storage unit 18 stores various data relating to the operation of the mobile terminal 10. The storage unit 18 stores an internet transaction application program.

[0027] The control unit 11 controls the operation of the mobile terminal 10. The control unit 11 realizes various functions by causing the CPU to execute an internet transaction application.

[0028] The control unit 11 includes an ID determination unit 11a, a BLE communication management unit 11b, and a transaction request unit 11c. If a two-dimensional code is included in the image captured by the camera 17, the ID determination unit 11a decodes the two-dimensional code to obtain the ATM ID. If the NFC communication unit 16 receives the ATM ID, the ID determination unit 11a acquires the ATM ID from the NFC communication unit 16. The ID determination unit 11a compares the ATM ID acquired from the advertising packet with the ATM ID acquired by the two-dimensional code or NFC. If the information acquired from the advertising packet or the two-dimensional code or NFC is information converted or encrypted based on the rules between the ATM and the mobile terminal, it compares the information converted or decrypted based on the rules between the ATM and the mobile terminal to see if it matches. When receiving advertising packets from multiple ATMs 20, the ID determination unit 11a preferably prioritizes advertising packets with strong radio wave strength when received and compares them with the ATMID obtained via two-dimensional code or NFC. In the case of UWB communication, angle information may be used to identify the advertising packet to be prioritized for comparison with the ATMID obtained via NFC. By using radio wave strength and angle information, it is possible to estimate the ATM closest to the mobile terminal and perform ID determination from the ATM closest to the mobile terminal. If the ATMID acquired from the advertising packet matches the ATMID acquired by the two-dimensional code or NFC, the ID determination unit 11a instructs the BLE communication management unit 11b to select the ATM 20 that is the sender of the advertising packet as the pairing destination. The determination result of the ID determination unit may be displayed to the user (operator of the mobile terminal) so that the user can make a final decision on the pairing destination, allowing the user to select the pairing destination.

[0029] When the BLE communication management unit 11b receives an operation (ATM-linked transaction operation) indicating that a transaction is to be performed in cooperation with the ATM 20, the BLE communication management unit 11b activates the BLE communication unit 15 and makes the BLE communication available. In other words, the operation indicating that a transaction is to be performed in cooperation with the ATM 20 is an operation that clearly indicates the start of an operation to cause the ATM 20 to execute a deposit or withdrawal. When the activated BLE communication unit 15 receives the advertising packet, it acquires the ATM ID from the advertising packet and sends it to the ID determination unit 11a. After starting the BLE communication unit 15, if the BLE communication management unit 11b receives an instruction from the ID determination unit 11a about the ATM 10 to be paired with, the BLE communication management unit 11b causes the BLE communication unit 15 to perform pairing with the ATM 20. When the transaction is completed, the BLE communication management unit 11b cancels the pairing. When pairing is cancelled, the information identifying the connection destination is deleted. Therefore, even if you pair with the same connection destination again, it will not automatically reconnect.

[0030] After starting the internet transaction application, the transaction request unit 11c logs in to the internet transaction server. After logging in, the transaction request unit 11c displays a menu screen on the display unit 23. When a transfer or balance inquiry is selected from the menu screen, communication with the Internet transaction server is performed to process the transfer or balance inquiry. For convenience, these are called normal transactions, and the transfer or balance inquiry operations are called normal transaction operations. When deposit or withdrawal is selected from the menu screen, coordination with an ATM is required. For convenience, these are called ATM-coordinated transactions, and deposit and withdrawal operations are called ATM-coordinated transaction operations.

[0031] When an ATM-linked transaction operation is performed, the transaction request unit 11c obtains the operator's account information from the Internet transaction server, accepts the details of the deposit and withdrawal, and processes the transaction. In an ATM-linked transaction, BLE is used to communicate with the ATM 20 and process the transaction, and it is preferable that this communication be encrypted at the application layer. In other words, security can be improved by encrypting the data at a higher layer in addition to the encryption in the BLE communication protocol. Details of the ATM-linked transaction processing will be described later.

[0032] 4 is a flowchart showing an example of a processing procedure of the ATM 20. The ATM 20 sequentially executes steps S101 to S110. Here, the processing for displaying a code indicating an ATM ID is shown.

[0033] Step S101 The display unit 23 displays the standby screen, and then the process proceeds to step S102. Step S102 The transaction processing unit 21a determines whether or not a normal transaction operation has been accepted. If a normal transaction operation has been accepted (step S102; Yes), the process proceeds to step S110. If a normal transaction operation has not been accepted (step S102; No), the process proceeds to step S103.

[0034] Step S103 The transaction processing unit 21a determines whether or not a terminal-linked transaction operation has been accepted. If a terminal-linked transaction operation has been accepted (step S103; Yes), the process proceeds to step S104. If a terminal-linked transaction operation has not been accepted (step S103; No), the process proceeds to step S101. Step S104 The ATMID providing unit 21b displays a two-dimensional code, which is an image obtained by encoding the ATMID, on the display unit 23. After that, the process proceeds to step S105. Step S105 The BLE communication management unit 21c determines whether or not an operator is present using the output of the camera 27 and the proximity sensor 28. If an operator is not present (step S105; No), step S105 is repeated. If an operator is present (step S105; Yes), the process proceeds to step S106. Note that the presence of an operator may also be confirmed by receiving a terminal-linked transaction operation in step S103.

[0035] Step S106 The BLE communication management unit 21c puts the BLE communication unit 25 into a communication standby state. The BLE communication unit 25 transmits an advertising packet including the ATMID to the surrounding area. Then, the process proceeds to step S107.

[0036] Step S107 The BLE communication unit 25 pairs with the mobile terminal 10 that received the advertising packet. Then, the process proceeds to step S108. Step S108 The transaction processing unit 21a processes the deposit / withdrawal transaction using BLE, and then the process proceeds to step S108.

[0037] Step S109 The BLE communication management unit 21c cancels the pairing and ends the process. Step S110 The transaction processing unit 21a executes the normal transaction and ends the process.

[0038] 5 is a flowchart showing an example of a processing procedure of the mobile terminal 10. The mobile terminal 10 sequentially executes steps S201 to S211. Here, the processing for reading a code indicating an ATM ID is shown.

[0039] Step S201 The control unit 11 starts the internet transaction application and logs in to the internet transaction server, and then proceeds to step S202. Step S202 The transaction request unit 11c determines whether or not a normal transaction operation has been accepted. If a normal transaction operation has been accepted (step S202; Yes), the process proceeds to step S211. If a normal transaction operation has not been accepted (step S202; No), the process proceeds to step S203.

[0040] Step S203 The transaction request unit 11c determines whether or not an ATM-linked transaction operation has been accepted. If an ATM-linked transaction operation has been accepted (step S203; Yes), the process proceeds to step S204. If an ATM-linked transaction operation has not been accepted (step S203; No), the process proceeds to step S201. Step S204 The transaction request unit 11c acquires information related to the transaction. Then, the process proceeds to step S205. The information related to the transaction may include the operator's account information, transaction information, and PIN. The account information can be acquired from the Internet transaction server. The transaction information includes the amount of deposit or withdrawal and the type of deposit or withdrawal, and is received by the operation unit 14. The PIN may be stored in the Internet transaction application or may be received by the operation unit 14.

[0041] Step S205 The BLE communication management unit 11b makes the BLE communication available by turning on the communication function of the BLE communication unit 15. Then, the process proceeds to step S206. Step S206 The ID determination unit 11a optically reads the two-dimensional code displayed by the ATM 20 using the camera 17, and acquires the ATM ID. Then, the process proceeds to step S207.

[0042] Step S207 The BLE communication unit 15 receives the advertising packet and acquires the ATM ID from the advertising packet, and then proceeds to step S208. Step S208 The ID determination unit 11a compares the ATMID acquired from the advertising packet with the ATMID acquired from the two-dimensional code. If they do not match (step S208; No), the process returns to step S207. If they match (step S208; Yes), the process proceeds to step S209. Step S209 The transaction request unit 11c processes the deposit / withdrawal transaction using BLE, and then the process proceeds to step S210.

[0043] Step S210 The BLE communication management unit 11b cancels the pairing and ends the process. Step S211 The transaction request unit 11c executes the normal transaction and ends the process.

[0044] A specific example of the transaction process will be described with reference to FIGS. FIG. 6 is a sequence diagram of the withdrawal process. The mobile terminal 10 executes an internet transaction application and logs in. Thereafter, the mobile terminal 10 accepts an ATM-linked transaction operation (S203) and requests account information from the internet transaction server 50 (D01). The internet transaction server 50 transmits the account information of the logged-in user to the mobile terminal 10 (D02). The mobile terminal 10 also receives input of transaction information and a personal identification number (S204).

[0045] The ATM 20 accepts the terminal-linked transaction operation (103) and provides the ATM ID code to the mobile terminal 10 by displaying it (D03). The ATM 20 also transmits an advertising packet including the ATM ID to the surrounding area (D04).

[0046] When the mobile terminal 10 identifies the ATM to which it wishes to connect (S208), it transmits a connection request to the identified ATM 20 and establishes pairing (D05). Once communication is established through pairing, the mobile terminal 10 transmits account information, transaction information, and a personal identification number to the ATM 20 (D06). The personal identification number may be entered into the ATM 20.

[0047] The ATM 20 receives the account information, transaction information, and PIN and confirms the transaction details (S108a). Then, the ATM 20 transmits the account information, transaction information, and PIN to the accounting transaction server 60 (D07).

[0048] The accounting transaction server 60 checks the account information, transaction information, and PIN number, and sends a withdrawal permission notice to the ATM 20 (D08). Upon receiving the withdrawal permission notification, the ATM 20 executes withdrawal of the currency (step S108b) and transmits a withdrawal completion notification to the mobile terminal 10 (D09). After that, the mobile terminal 10 and the ATM 20 disconnect the BLE (D10).

[0049] In the sequence of Figure 6, ATM 20 does not send the card information of the cash card to accounting transaction server 60. Therefore, the structure of the message sent to accounting transaction server 60 will be different for normal transactions using a cash card and deposit / withdrawal transactions not using a cash card.

[0050] While Figure 6 illustrates an example of a withdrawal transaction, it can also be applied to deposit transactions. In a withdrawal transaction, the withdrawal amount is accepted by user operation and included in the transaction information. If the account balance is equal to or greater than the withdrawal amount, the accounting transaction server 60 authorizes the withdrawal and includes the withdrawal amount in the withdrawal authorization notice sent to the ATM 20. In contrast, in a deposit transaction, the deposit amount is not determined until the deposit operation is performed at ATM 20. Therefore, the transaction information includes information indicating that a deposit will be made, but does not necessarily include information indicating the deposit amount. The accounting system transaction server authorizes the deposit if the user has a valid account, and does not include the deposit amount in the deposit authorization notice sent to ATM 20. Then, ATM 20 identifies the deposit amount at the time of deposit and notifies accounting system transaction server 60. It is also possible to perform a deposit transaction with a specified amount. In this case, as with a withdrawal transaction, the deposit amount is accepted by user operation and included in the transaction information. Even in this case, ATM 20 specifies the deposit amount at the time of deposit and notifies accounting system transaction server 60.

[0051] FIG. 7 is a sequence diagram of a withdrawal process when the mobile terminal 10 generates card information. 6 in that the mobile terminal 10 receives input of transaction information and a personal identification number (S204) and generates card information (step S204a). The card information can be generated based on account information received from the Internet transaction server 50. Since the mobile terminal 10 generates the card information, the card information is transmitted to the ATM 20 together with the account information, transaction information and PIN (D06a). The ATM 20 confirms the transaction details (S108a) and transmits the account information, transaction information, PIN number, and card information to the accounting transaction server 60. In other words, the same message structure can be used for both normal transactions and deposit / withdrawal transactions.

[0052] FIG. 8 is a sequence diagram of a withdrawal process when the ATM 20 generates card information. The difference from FIG. 6 is that the ATM 20 generates card information based on the account information received from the mobile terminal 10 (step S108c). The ATM 20 confirms the transaction details (S108a) and transmits the account information, transaction information, PIN number, and card information to the accounting transaction server 60. In other words, the same message structure can be used for both normal transactions and deposit / withdrawal transactions.

[0053] FIG. 9 is a sequence diagram of a withdrawal process when the mobile terminal 10 communicates with the account transaction server. The mobile terminal 10 receives input of transaction information and a personal identification number in the same manner as in FIG. 6 (S204). Thereafter, the mobile terminal 10 generates card information based on the account information received from the Internet transaction server 50 (S204a).

[0054] The ATM 20 accepts the terminal-linked transaction operation (103) and provides the ATM ID code to the mobile terminal 10 by displaying it (D03). The ATM 20 also transmits an advertising packet including the ATM ID to the surrounding area (D04).

[0055] If the ATMIDs match (S208), the mobile terminal 10 transmits a connection request to the ATM 20 and establishes pairing (D05). In addition, the mobile terminal 10 transmits the account information, transaction information, PIN number, and card information to the accounting transaction server 60 (D06b).

[0056] The accounting transaction server 60 checks the account information, transaction information, and personal identification number, and sends a withdrawal permission notice to the mobile terminal 10 (D07a). Upon receiving the withdrawal permission notification, the mobile terminal 10 transmits a withdrawal instruction to the ATM 20 (D08b). The ATM 20 receives the withdrawal instruction from the mobile terminal 10, executes the withdrawal of the currency (step S108b), and transmits a withdrawal completion notification to the mobile terminal 10 (D09). After that, the mobile terminal 10 and the ATM 20 disconnect the BLE (D10).

[0057] While Figures 6 to 9 illustrate cash cardless ATM transaction processing using an accounting transaction server, ATM transactions can also be performed over an Internet banking network without using an accounting transaction server. A cash donor in an automated teller machine maintains an administrator account for each automated teller machine, and deposits and withdrawals are made possible by transferring funds between the administrator account and a user account via Internet banking. Specifically, in the case of a withdrawal process, the desired withdrawal amount is transferred from the user account to the administrator account via Internet banking, and the user withdraws the amount transferred to the administrator account by the automated teller machine. In the case of a deposit process, the amount deposited into the administrator account by the automated teller machine is transferred from the administrator account to the user account. To perform this process, the mobile device must exchange information to identify the administrator account established for each automated teller machine, and the automated teller machine must exchange information to identify the user account. This information exchange can be performed using BLE communication.

[0058] As described above, the disclosed deposit and withdrawal transaction system includes an automated teller machine (ATM 20) capable of depositing and withdrawing currency, and a mobile terminal 10 connectable to an Internet banking system, wherein the automated teller machine, while in a connection standby state via a first communication means, transmits a packet including identification information of the automated teller machine to its surroundings, the automated teller machine provides the identification information to the mobile terminal via a method different from the first communication means, the mobile terminal 10 identifies the automated teller machine to connect to using the identification information extracted from the packet and the identification information provided via a method different from the first communication means, establishes two-way communication with the identified automated teller machine via the first communication means, connects to the Internet banking system, and causes the automated teller machine to execute a deposit and withdrawal transaction related to the identified account using the first communication means, and the automated teller machine and / or the mobile terminal 10 disconnect the two-way communication via the first communication means after completing the deposit and withdrawal transaction. Therefore, even in a situation where packets are received from a plurality of automated teller machines, it is possible to easily identify an appropriate connection destination and establish a communication connection. Furthermore, by disconnecting the two-way communication after each transaction, security can be improved and convenience can be increased even when multiple operators step back one after the other to use one automated transaction device.

[0059] Furthermore, the automated transaction machine and / or the portable terminal deletes information specifying the connection destination when the two-way communication by the first communication means is disconnected. This improves security and allows smooth user changeover when multiple users use the ATM in succession.

[0060] As an example, the automated teller machine provides the identification information to the mobile terminal in a manner different from the first communication means by displaying an image showing the identification information, and the mobile terminal optically reads the image. As an example, the automated transaction device provides the identification information using a second communication means different from the first communication means, and the second communication means is short-range wireless communication. In this way, any means can be used to provide the identification information to the mobile terminal, and the mobile terminal 10 can compare the identification information obtained through multiple routes.

[0061] In addition, the mobile terminal 10 connects to the Internet banking system and passes account information indicating the identified account and transaction information indicating the details of the deposit / withdrawal transaction to the automated teller machine using the first communication means, and the automated teller machine transmits the account information and the transaction information to an account system transaction server, obtains permission to deposit / withdraw from the account system transaction server, and executes the deposit / withdrawal. In this configuration, when the automated teller machine is linked to the mobile terminal 10, it can obtain permission for deposits and withdrawals from the accounting transaction server using a message that does not include card information.

[0062] In addition, the mobile terminal 10 connects to the Internet banking system and generates card information corresponding to the identified account using account information indicating the account, and the mobile terminal 10 passes the account information, transaction information indicating the details of the deposit / withdrawal transaction, and the card information to the automated transaction device using the first communication means, and the automated transaction device transmits the account information, transaction information, and card information to an account system transaction server, obtains permission for the deposit / withdrawal from the account system transaction server, and executes the deposit / withdrawal. In this configuration, the mobile terminal 10 generates card information, enabling cash card-less deposits and withdrawals using existing telegrams.

[0063] The mobile terminal 10 also connects to the Internet banking system and passes account information indicating the identified account and transaction information indicating the contents of the deposit / withdrawal transaction to the automated transaction device using the first communication means; the automated teller machine generates card information corresponding to the account using the account information; The automated transaction device transmits the account information, the transaction information, and the card information to an accounting transaction server, and executes the deposit or withdrawal after obtaining permission for the deposit or withdrawal from the accounting transaction server. In this configuration, the automated teller machine generates card information, enabling cash card-less deposits and withdrawals using existing telegrams.

[0064] In addition, the mobile terminal 10 connects to the Internet banking system and generates card information corresponding to the identified account using account information indicating the account, and the mobile terminal 10 transmits the account information, the transaction information, and the card information to an account system transaction server, and the mobile terminal 10 obtains permission to deposit or withdraw money from the account system transaction server and instructs the automated transaction device to make a deposit or withdrawal using the first communication means. In this configuration, the automated teller machine can perform deposit and withdrawal transactions without communicating with the account transaction server.

[0065] Furthermore, when the mobile terminal 10 receives the packets from a plurality of automated transaction machines, it prioritizes the received packets with the strongest radio wave intensity as the target for determining whether the identification information matches. This configuration allows efficient selection of connection destinations.

[0066] Furthermore, the mobile terminal 10 makes the communication via the first communication means available at the start of an operation to cause the automated teller machine to execute a deposit or withdrawal. In this configuration, activation of the first communication means is limited to when necessary, thereby improving safety and reducing power consumption.

[0067] The present invention is not limited to the above-described embodiments, but includes various modifications. For example, the above-described embodiments have been described in detail to clearly explain the present invention, and the present invention is not necessarily limited to those including all of the described configurations. Furthermore, not only can the configurations be deleted, but also replacements and additions of configurations are possible. For example, in the above embodiment, an example was given of using BLE for communication related to deposit and withdrawal transactions, but any communication method can be used as long as it identifies the connection partner, establishes a connection, and performs two-way communication. In the above embodiment, the ATMID is mainly provided by display, but it is also possible to provide the ATMID using NFC. Also, the ATMID may be provided by any method other than NFC.

[0068] In the above configuration, an ATM is shown as an example of an automated teller machine, but any machine such as a cashier can be used as long as it is capable of depositing and dispensing currency. In addition, in the above configuration, the automatic transaction device turns on BLE on the condition that a terminal-linked transaction operation is accepted, but the automatic transaction device may also keep BLE on at all times. In the above configuration, the mobile terminal 10 turns on the BLE on condition that an ATM transaction operation is accepted. However, the mobile terminal 10 may keep the BLE in the on state at all times. Furthermore, in the above configuration, an example is given of a configuration in which the automated transaction device or mobile terminal 10 communicates with the account system transaction server 60 to process deposit and withdrawal transactions, but it is also possible to configure the automated transaction device and mobile terminal 10 to communicate with the account system transaction server 60 to process deposit and withdrawal transactions, for example, without communicating with the account system transaction server 60. [Explanation of symbols]

[0069] 10: Mobile terminal, 11: Control unit, 11a: ID determination unit, 11b: BLE communication management unit, 11c: Transaction request unit, 12: Internet communication unit, 13: Display unit, 14: Operation unit, 15: BLE communication unit, 16: NFC communication unit, 17: Camera, 18: Memory unit, 21: Control unit, 21a: Transaction processing unit, 21b: ATMID providing unit, 21c: BLE communication management unit, 22: Accounting system communication unit, 23: Display unit, 24: Operation unit, 25: BLE communication unit, 26: NFC communication unit, 27: Camera, 28: Proximity sensor, 29: Memory unit, 30: Currency storage, 31: Card reader, 50: Internet transaction server, 60: Accounting system transaction server

Claims

1. an automated teller machine capable of depositing and withdrawing currency; A mobile terminal connectable to an internet banking system, the automated teller machine transmits a packet including identification information of the automated teller machine to surrounding areas in a connection standby state of the first communication means; the automated teller machine provides the identification information to the mobile terminal by a method different from the first communication means; the mobile terminal identifies an automated teller machine to connect to using the identification information extracted from the packet and identification information provided by a method different from the first communication means, establishes two-way communication with the identified automated teller machine using the first communication means, connects to the Internet banking system, and causes the automated teller machine to execute a deposit / withdrawal transaction related to the identified account using the first communication means; A deposit / withdrawal transaction system, characterized in that the automated teller machine and / or the mobile terminal disconnects two-way communication via the first communication means after the deposit / withdrawal transaction is completed.

2. 2. The deposit / withdrawal transaction system according to claim 1, A deposit / withdrawal transaction system characterized in that the automated teller machine and / or the mobile terminal delete information specifying the connection destination when two-way communication by the first communication means is disconnected.

3. 2. The deposit / withdrawal transaction system according to claim 1, the automated teller machine provides the identification information to the mobile terminal by a method different from the first communication means by displaying an image showing the identification information; A deposit / withdrawal transaction system, wherein the mobile terminal optically reads the image.

4. 2. The deposit / withdrawal transaction system according to claim 1, the automated teller machine provides the identification information using a second communication means different from the first communication means; A deposit / withdrawal transaction system, wherein the second communication means is short-range wireless communication.

5. 2. The deposit / withdrawal transaction system according to claim 1, the mobile terminal connects to the Internet banking system and passes account information indicating the identified account and transaction information indicating the content of the deposit / withdrawal transaction to the automated transaction machine using the first communication means; A deposit / withdrawal transaction system characterized in that the automatic transaction device transmits the account information and the transaction information to an account system transaction server, and executes deposits and withdrawals after obtaining permission for deposits and withdrawals from the account system transaction server.

6. 2. The deposit / withdrawal transaction system according to claim 1, the mobile terminal connects to the Internet banking system and generates card information corresponding to the identified account using account information indicating the account; the mobile terminal transmits the account information, transaction information indicating the content of the deposit / withdrawal transaction, and the card information to the automated transaction device using the first communication means; A deposit / withdrawal transaction system characterized in that the automatic transaction device transmits the account information, the transaction information, and the card information to an account system transaction server, and performs deposits and withdrawals after obtaining permission for deposits and withdrawals from the account system transaction server.

7. 2. The deposit / withdrawal transaction system according to claim 1, the mobile terminal connects to the Internet banking system and passes account information indicating the identified account and transaction information indicating the content of the deposit / withdrawal transaction to the automated transaction machine using the first communication means; the automated teller machine generates card information corresponding to the account using the account information; A deposit / withdrawal transaction system characterized in that the automatic transaction device transmits the account information, the transaction information, and the card information to an account system transaction server, and performs deposits and withdrawals after obtaining permission for deposits and withdrawals from the account system transaction server.

8. 2. The deposit / withdrawal transaction system according to claim 1, the mobile terminal connects to the Internet banking system and generates card information corresponding to the identified account using account information indicating the account; The mobile terminal transmits transaction information indicating the content of the deposit / withdrawal transaction, the account information, and the card information to an accounting transaction server; A deposit / withdrawal transaction system characterized in that the mobile terminal obtains permission for deposit / withdrawal from the accounting transaction server and instructs the automated transaction device to deposit / withdraw using the first communication means.

9. 2. The deposit / withdrawal transaction system according to claim 1, A deposit and withdrawal transaction system characterized in that, when the mobile terminal receives the packets from multiple automatic transaction devices, it prioritizes the packets with the strongest radio wave strength when determining whether the identification information matches.

10. 2. The deposit / withdrawal transaction system according to claim 1, A deposit / withdrawal transaction system characterized in that the mobile terminal makes communication via the first communication means available when an operation to cause the automated teller machine to execute a deposit / withdrawal is started.

11. A deposit / withdrawal processing method in a deposit / withdrawal transaction system having an automated teller machine capable of depositing and withdrawing currency and a mobile terminal connectable to an Internet banking system, comprising: a step in which the automated teller machine transmits a packet including identification information of the automated teller machine to surrounding areas while the first communication means is in a connection standby state; the automated teller machine providing the identification information to the mobile terminal by a method different from the first communication means; the mobile terminal identifies an automated teller machine to connect to using the identification information extracted from the packet and identification information provided by a method other than the first communication means, establishes two-way communication with the identified automated teller machine using the first communication means, connects to the Internet banking system, and causes the automated teller machine to execute a deposit / withdrawal transaction related to the identified account using the first communication means; the automated teller machine and / or the mobile terminal disconnecting the two-way communication by the first communication means after the deposit / withdrawal transaction is completed; A deposit and withdrawal transaction method comprising:

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