Automated transaction device balance management system and automated transaction device balance management method

Abstract

To identify a user who has performed a deposit / withdrawal transaction without directly turning over user information, and to achieve a balance adjustment based on the deposit / withdrawal transaction of the user.SOLUTION: An automated transaction device irreversibly converts user-specific information regarding an executed deposit / withdrawal transaction to generate first reconciliation information, a balance adjustment system irreversibly converts user-specific information managed by the system to generate second reconciliation information, the balance adjustment system obtains the first reconciliation information from the automated transaction device via a user terminal, or the automated transaction device obtains the second reconciliation information from the balance adjustment system via the user terminal, and the balance adjustment system or automated transaction device determines that a balance adjustment based on the deposit / withdrawal transaction of the user has been performed when the first reconciliation information and the second reconciliation information match.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an automatic transaction device inventory management system and an automatic transaction device inventory management method. [Background technology]

[0002] There is a conventional technology for adjusting inventory amounts at an automated teller machine (ATM) using user deposit and withdrawal transactions. Patent Document 1 states that "In order to reduce the cost of loading cash into an ATM, an ATM cash loading management system (100) includes a storage device (101) that stores an ATM management table (125) that stores information on the amount of cash held in each of a plurality of ATMs (200), and a computing device (104) that receives a notification of a scheduled ATM transaction by a predetermined user from a user terminal (300), identifies an ATM (200) in the ATM management table (125) whose cash holding amount will change toward a predetermined standard by executing the transaction indicated in the notification, and transmits information recommending the transaction at the identified ATM (200) to the user terminal (300)." [Prior art documents] [Patent documents]

[0003] [Patent Document 1] WO2016 / 098219 Summary of the Invention [Problem to be solved by the invention]

[0004] When a system that communicates with user terminals is connected to a financial institution's system that manages ATMs and is configured to recommend transactions at specific ATMs, the management of user information becomes an issue. This is because allowing user information (account number, account holder name, etc.) managed by the financial institution's system to be transmitted to external parties creates a security risk. The above-mentioned prior art does not take this into consideration.

[0005] Therefore, the present invention aims to identify the user who performed the deposit / withdrawal transaction without directly transferring user information, and to realize inventory adjustment based on the user's deposit / withdrawal transaction. [Means for solving the problem]

[0006] In order to achieve the above-mentioned object, one representative automated transaction device inventory management system of the present invention comprises a plurality of automated transaction devices and an inventory adjustment system capable of communicating with a user terminal, acquiring information regarding the cash inventory at the plurality of automated transaction devices, identifying automated transaction devices to be subject to inventory adjustment due to user deposit / withdrawal transactions, and determining the content of the inventory adjustment, wherein the automated transaction device irreversibly converts user-specific information for an executed deposit / withdrawal transaction to generate first reconciliation information, the inventory adjustment system irreversibly converts user-specific information managed by its own system to generate second reconciliation information, the inventory adjustment system acquires the first reconciliation information from the automated transaction device via the user terminal, or the automated transaction device acquires the second reconciliation information from the inventory adjustment system via the user terminal, and the inventory adjustment system or the automated transaction device determines that an inventory adjustment due to the user's deposit / withdrawal transaction has been executed when the first reconciliation information and the second reconciliation information match. Furthermore, one representative automated transaction device inventory management method of the present invention is characterized by including the steps of: an inventory adjustment system capable of communicating with a user terminal acquiring information regarding cash inventory at a plurality of automated transaction devices, identifying an automated transaction device to be subject to inventory adjustment due to a user's deposit / withdrawal transactions, and determining the content of the inventory adjustment; a step by the automated transaction device irreversibly converting user-specific information for the executed deposit / withdrawal transaction to generate first reconciliation information; a step by the inventory adjustment system irreversibly converting user-specific information managed by its own system to generate second reconciliation information; a step by the inventory adjustment system acquiring the first reconciliation information from the automated transaction device via the user terminal, or a step by the automated transaction device acquiring the second reconciliation information from the inventory adjustment system via the user terminal; and a step by the inventory adjustment system or the automated transaction device determining that an inventory adjustment due to the user's deposit / withdrawal transaction has been executed if the first reconciliation information and the second reconciliation information match. [Effects of the Invention]

[0007] According to the present invention, it is possible to identify the user who performed the deposit / withdrawal transaction without directly transferring user information, and to adjust the balance based on the user's deposit / withdrawal transaction. 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. 2 is an explanatory diagram of ATM inventory management according to the embodiment. [Figure 2] A configuration diagram of an automatic transaction device inventory management system. [Figure 3] Configuration diagram of the inventory adjustment system. [Figure 4] Specific examples of data from the inventory adjustment system. [Figure 5] ATM configuration diagram. [Figure 6] FIG. [Figure 7] FIG. 10 is a sequence diagram showing a processing procedure for extracting an inventory adjustment case. [Figure 8]FIG. 10 is a sequence diagram showing a procedure for processing an item reservation. [Figure 9] FIG. 10 is a sequence diagram illustrating the matching of inventory adjustment transactions. [Figure 10] Sequence diagram for adjusting inventory without a reservation. [Figure 11] FIG. 10 is a sequence diagram showing a case where an ATM performs matching processing. 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 the ATM balance management according to the embodiment. The ATM 20 is under the control of the financial institution's system. The financial institution's system manages account numbers and account holder names as user data. When the ATM 20 performs a deposit or withdrawal transaction, it reads the account number from a cash card or other device to identify the target account and process the transaction. The financial institution's system also manages the balance of funds in the ATM 20. The user service system can communicate with the mobile terminal 10 as a user terminal, and manages user data such as account numbers and user names. The user service system recommends deposit and withdrawal transactions at specific ATMs 20 to users, and provides a service that awards rewards.

[0011] The financial institution's system collects information indicating the balances of ATMs 20 (1) and provides it to the user service system (2). The user service system acquires the information indicating the balances of ATMs 20, identifies the ATMs 20 that are subject to balance adjustments due to user deposit and withdrawal transactions, and determines the content of the balance adjustment. The user service system associates the ATMs 20 that are subject to the balance adjustment with the content of the balance adjustment and manages them as a case.

[0012] The mobile terminal 10 is used to view the transaction (2) and reserve a deposit or withdrawal transaction (4). When a deposit / withdrawal transaction for balance adjustment is performed (5), the ATM 20 generates first hash data from the user data related to the transaction (6). Any method can be used to generate the hash data as long as it can irreversibly convert the user data. The ATM 20 transfers the first hash data to the mobile terminal 10. For example, the first hash data may be encoded into a two-dimensional code and displayed on the ATM 20, and the mobile terminal 10 may optically read the two-dimensional code to transfer the first hash data. Alternatively, the ATM 20 may transmit the first hash data to the mobile terminal 10 using near field communication (NFC) or BLE, which is a type of Bluetooth (registered trademark).

[0013] The mobile terminal 10 transmits the first hash data to the user service system (7). The user service system generates second hash data from the user data managed by the system (8). The user service system compares the first hash data with the second hash data, and if they match, determines that the reserved inventory adjustment case has been executed and awards a reward to the user.

[0014] In this way, the balance management shown in Figure 1 can identify users who have performed deposit and withdrawal transactions and adjust balances based on the user's deposit and withdrawal transactions without directly exchanging user information between the financial institution and the user service side. While Figure 1 illustrates the process of hashing only user data for simplicity, the first hash data may also be generated from the contents of a deposit or withdrawal transaction, including user data. The contents of a deposit or withdrawal transaction may include the ATM ID, which is identification information for the ATM 20, the transaction type, which indicates whether it is a deposit or withdrawal, and the amount of the deposit or withdrawal, in addition to the account number and account holder, which are user data. When the first hash data is generated from the transaction details, the second hash data must also be generated from the corresponding transaction details. In this case, the details of the deposit / withdrawal transaction are reserved in advance, and the second hash data is generated from the reserved transaction details. Alternatively, the user may input the transaction details into the mobile terminal 10 when performing a deposit / withdrawal transaction. The first hash data may be encrypted before being transmitted and received.

[0015] 2 is a configuration diagram of an automated teller machine inventory management system. The financial institution's system has an accounting system 50 and a monitoring system 60. Multiple ATMs 20 are connected to the accounting system 50 and the monitoring system 60 via the financial institution's closed network. The accounting system 50 is a system that manages transactions such as deposit and withdrawal transactions at the ATM 20 . The monitoring system 60 is a system that monitors the operating status of the ATM 20 .

[0016] The user service system includes a collection and distribution system 70, a collected data database 71, a cash demand forecasting system 80, a forecast data database 81, a cash inventory adjustment system 90, a points system 100, a management terminal 110, and a mobile terminal 10.

[0017] The distribution and collection system 70 is connected to the monitoring system 60 via a closed network. The collection and distribution system 70, cash demand forecasting system 80, and cash inventory adjustment system 90 are connected via a closed network. The inventory adjustment system 90, the point system 100, the management terminal 110, and the mobile terminal 10 are connected via the Internet or the like.

[0018] The distribution and collection system 70 is capable of collecting files and the like from the ATM 20 via the monitoring system 60. It is also capable of transmitting files to the ATM 20. The collected files include data indicating the balance of the ATM 20. The distribution and collection system 70 stores the collected files in a database 71.

[0019] The cash demand forecasting system 80 uses the data collected by the distribution and collection system 70 to predict future balances and deposit / withdrawal volumes from the past balances and deposit / withdrawal volumes of the ATM 20. The cash demand forecasting system 80 stores the prediction results, that is, prediction data, in a database 81.

[0020] The cash balance adjustment system 90 extracts ATMs 20 that require deposits and withdrawals based on the prediction results of the cash demand prediction system 80, and manages them as cash balance adjustment targets. Details will be described later. The point system 100 is a system that gives points as a reward to users who perform deposit / withdrawal transactions for adjusting their balance. The points as a reward may be original or may be linked to an existing point service.

[0021] The management terminal 110 is a terminal for managing the inventory adjustment system 90 . The mobile terminal 10 is a mobile terminal (smartphone, tablet, etc.) used by a user who cooperates with the balance adjustment.

[0022] 3 is a configuration diagram of the inventory adjustment system 90. The inventory adjustment system 90 shown in FIG. 3 is configured with one computer, and has a control unit 91, a communication unit 92, a display unit 93, an operation unit 94, and a memory unit 95.

[0023] The communication unit 92 is an interface for communicating with the collection and distribution system 70, the cash demand prediction system 80, the point system 100, the management terminal 110, and the mobile terminal 10. The display unit 93 is a device that displays and outputs various information to the operator, and is, for example, a liquid crystal display. The operation unit 94 is a device that accepts operations by an operator, such as a keyboard or a mouse. The storage unit 95 stores various data related to the operation of the inventory adjustment system 90. Specifically, the storage unit 95 stores case data 95a and user data 95b.

[0024] The control unit 91 controls the operation of the inventory adjustment system 90. The inventory adjustment system 90 may realize various functions by, for example, a CPU (Central Processing Unit) executing a predetermined program.

[0025] The control unit 21 has functional units including an ATM extraction unit 91a, a case management unit 91b, a matching confirmation unit 91c, a remuneration management unit 91d, an application communication unit 91e, a user management unit 91f, and a system management unit 91g.

[0026] The ATM extraction unit 91a uses the prediction results of the cash demand prediction system 80 to extract ATMs 20 that require inventory adjustments due to deposit and withdrawal transactions, and calculates the adjustment amounts and remuneration. For example, the ATM extraction unit 91a identifies an ATM 20 whose predicted balance is insufficient as a target for balance adjustment by a deposit transaction. Similarly, the ATM extraction unit 91a identifies an ATM 20 whose predicted balance is excessive as a target for balance adjustment by a withdrawal transaction. Based on the output of the ATM extraction unit 91a, the case management unit 91b manages, as case data 95a, how many deposits and withdrawals are required for which ATMs 20. The case management unit 91b also performs processes such as searching the case data 95a and reserving cases.

[0027] The matching confirmation unit 91c confirms the validity of a deposit or withdrawal for balance adjustment based on the case data 95a when the deposit or withdrawal is made at the ATM 20. Specifically, the matching confirmation unit 91c acquires first hash data from the mobile terminal 10, generates second hash data from the user data 95b and the details of the reserved transaction, and determines that a deposit or withdrawal for balance adjustment has been made if the first hash data and the second hash data match. Furthermore, if the first hash data is encrypted, the matching verification unit 91c can decrypt it using the private key of the ATM 20.

[0028] The reward management unit 91d manages rewards given to users who have made deposit / withdrawal transactions for balance adjustment. Linkage with an external point system, etc. is also possible. The application communication unit 91e communicates with the balance adjustment application running on the mobile terminal 10. The user management unit 91f registers and manages users who cooperate with the balance adjustment in the user data 95b. The system management unit 91g provides functions for managing the balance adjustment system 90. For example, it is possible to set configuration information of the ATM 20, set a target balance, monitor the balance, and monitor the results of balance adjustment.

[0029] FIG. 4 shows a specific example of data in the inventory adjustment system 90. The project data 95a includes items such as date, ATM ID, type indicating whether it is a deposit or withdrawal, amount, location of the ATM 20, reservation status indicating whether a reservation has been made, user who made the reservation, and transaction execution status indicating whether the transaction has been completed. The user data 95b includes items such as a user ID, account, name, and email address.

[0030] 5 is a configuration diagram of the ATM 20. The ATM 20 has a control unit 21, a communication unit 22, a display unit 23, an operation unit 24, a BLE communication unit 25, an NFC communication unit 26, a memory unit 29, a currency storage 30, and a card reader 31.

[0031] The communication unit 22 is an interface that connects to the accounting system 50 and the monitoring system 60 for communication. 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.

[0032] 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 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 BLE communication unit 25 may not be provided if BLE communication is not used. Similarly, the NFC communication unit 26 may not be provided if NFC communication is not used.

[0033] 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.

[0034] The control unit 21 controls the operation of the ATM 20. The control unit 21 may realize various functions by, for example, a CPU executing a predetermined program.

[0035] The control unit 21 includes a transaction processing unit 21a, an inventory management unit 21b, and a matching data processing unit 21c. The transaction processing unit 21a is a processing unit that performs various transactions, including normal transactions and inventory adjustment 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.

[0036] In a balance adjustment transaction, the transaction processing unit 21a performs a deposit or withdrawal transaction similar to a normal transaction, and then activates the matching data processing unit 21c. The balance adjustment transaction starts when a predetermined balance adjustment start operation is accepted on the standby screen.

[0037] The balance management unit 21b periodically transmits a file indicating the balance of the ATM 20 to the monitoring system 60. For example, the balance management unit 21b may transmit the current balance to the monitoring system 60 at the end of business hours.

[0038] The matching data processing unit 21c is activated by an inventory adjustment transaction and processes data for matching. Specifically, the matching data processing unit 21c generates first hash data from the transaction details of a deposit or withdrawal, and provides it to the mobile terminal 10. The transaction details can include information such as account information, account holder, whether it is a deposit or withdrawal, the amount, the ATM ID, and the date and time. The matching data processing unit 21c can also encrypt the first hash data with a public key and provide it to the mobile terminal 10. The matching data processing unit 21c encodes the first hash data into a two-dimensional code and displays it on the display unit 23, thereby providing it to the mobile terminal 10. Alternatively, the first hash data may be transmitted using BLE or NFC.

[0039] 6 is a configuration diagram of the mobile terminal 10. The mobile terminal 10 has a control unit 11, a 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.

[0040] The 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.

[0041] 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 related to the operation of the mobile terminal 10. The storage unit 18 stores an inventory adjustment application.

[0042] The control unit 11 controls the operation of the mobile terminal 10. The control unit 11 realizes various functions by the CPU executing an inventory adjustment transaction application.

[0043] The control unit 11 includes a case access unit 11a, a matching data processing unit 11b, and a remuneration processing unit 11c. The case access unit 11a acquires case data 95a managed by the inventory adjustment system 90 and displays it on the display unit 13. The case access unit 11a also makes a reservation for inventory adjustment based on an operation received by the operation unit 14.

[0044] The matching data processing unit 11b processes the matching data. Specifically, the matching data processor 11b acquires the first hash data from the ATM 20 and transmits it to the balance adjustment system 90. If the ATM 20 displays a two-dimensional code, the matching data processing unit 11b extracts the two-dimensional code from an image captured by the camera 17 and decrypts it to obtain the first hash data. Alternatively, the first hash data or the transaction details may be received using BLE or NFC. If the first hash data or the transaction details are encrypted, the matching data processing unit 11b may decrypt the data and transmit it to the balance adjustment system 90, or may transmit it to the balance adjustment system 90 in the encrypted form.

[0045] The reward processing unit 11c receives rewards for deposit / withdrawal transactions for balance adjustment from the balance adjustment system 90. The rewards may be original points or may be awarded in cooperation with an external point service.

[0046] FIG. 7 is a sequence diagram showing a processing procedure for extracting an inventory adjustment case. First, the distribution and collection system 70 starts the collection process at a fixed time, such as at night (step S101). The distribution / collection system 70 collects files of the specified data (transaction information, cash unit operation logs) from all ATMs 20 under its control (step S102). The distribution and collection system 70 processes the collected data so that it can be viewed, and stores it in the database 71 as collected data (step S103).

[0047] After the collection and distribution system 70 has finished storing the data, the cash demand forecasting system 80 starts the forecasting process in response to a notification from the collection and distribution system 70 or by being started at a scheduled time. The forecasting process uses the collected data to forecast the future inventory amounts and transaction volumes of the ATMs 20 and stores the forecasted data in the database 81 (step S104).

[0048] After the cash demand forecasting system 80 has completed its forecasting process, the cash balance adjustment system 90 performs ATM extraction processing and case management processing in response to a notification from the cash demand forecasting system 80 or upon being started at a scheduled time (step S105). The ATM extraction processing extracts the ATMs 20 that require deposits and withdrawals, the required deposit and withdrawal amounts, and information required for compensation, and stores this information as case data 95a.

[0049] FIG. 8 is a sequence diagram showing the procedure for processing an item reservation. If deposit and withdrawal transactions for balance adjustments are concentrated at a specific ATM, it is possible that balance adjustments will be excessive.By users who are registered as collaborators viewing and reserving project data in advance, other users will not make duplicate deposits and withdrawals, and excessive balance adjustments can be avoided. Alternatively, the user may set conditions in advance, and when the conditions are met, the user may make a reservation by receiving a notification from the balance adjustment system 90. The advance conditions may include the ATM, the distance from the mobile terminal 10, the area, the branch of the financial institution, the type of transaction (deposit / withdrawal), the amount of the deposit / withdrawal, the date and time, etc.

[0050] FIG. 8 shows the sequence from viewing to reservation. The mobile terminal 10 accepts an operation to activate the browsing function from the user (step S201), and then accepts an operation to input search conditions (step S202). The mobile terminal 10 sends a search request to the balance adjustment system 90 (step S203). The inventory adjustment system 90 executes a search process and extracts cases that match the search conditions from the case data 95a (step S204). The inventory adjustment system 90 transmits the extracted case data 95a to the mobile terminal 10 as a search result (step S205).

[0051] The mobile terminal 10 displays the search results for the user to confirm and accepts the reservation operation (step S206). It is possible to reserve either the entire amount or a portion of the deposit / withdrawal amount specified in the transaction. The mobile terminal 10 makes a reservation request to the inventory adjustment system 90 (step S207). The inventory adjustment system 90 uses the reservation process to check whether the item data 95a is available for reservation, and then updates the item to a state where it has been reserved by the user (step S208). If only a portion of the item's deposit and withdrawal amount is reserved, a new item is created by deducting the reserved deposit and withdrawal amount, and the new item is made available for reservation. The inventory adjustment system 90 sends the reservation result to the mobile terminal 10 (step S209).

[0052] FIG. 9 is a sequence diagram illustrating the matching of inventory adjustment transactions. The ATM 20 accepts an operation to select an inventory adjustment transaction from the user (step S301), and starts the inventory adjustment transaction (step S302). The ATM 20 executes the deposit / withdrawal process corresponding to the reserved request (step S304) and transmits the transaction information to the accounting system 50 (step S305). The accounting system 50 updates the account balance based on the transaction information and notifies the ATM 20 that the transaction has been completed (step S306).

[0053] Upon receiving the notification of the successful transaction, the ATM 20 generates first hash data (step S307). The first hash data is information required for checking whether a deposit / withdrawal transaction matching the reservation request has actually been made. Specifically, the ATM 20 generates the first hash data by irreversibly converting the transaction date, identification information (ATMID) such as a branch number or machine number that identifies the ATM 20, the user's account information, and the deposit and withdrawal amounts using a hash function, etc. The first hash data may also be encrypted with a public key that has been distributed in advance. The ATM 20 encodes the first hash data into a two-dimensional code and displays it.

[0054] The mobile terminal 10 accepts the user's photographing operation and photographs the two-dimensional code to obtain first hash data (step S309). The mobile terminal 10 transmits the acquired first hash data to the inventory adjustment system 90 and requests a matching (step S310).

[0055] If the received first hash data is encrypted, the inventory adjustment system 90 decrypts it using a private key that it holds in advance. The inventory adjustment system 90 references the case data 95a and generates second hash data from the transaction details reserved by the user (step S311). The inventory adjustment system 90 compares the first hash data with the second hash data (step S312). If the first hash data and the second hash data match, the inventory adjustment system 90 determines that the reserved job has been executed. The inventory adjustment system 90 updates the transaction execution status of the case data 95a to "transacted" and transmits the reconciliation result to the mobile terminal 10 (step S313).

[0056] Although the inventory adjustment when there is a reservation has been explained in Fig. 9, the inventory adjustment is possible even without a reservation. The sequence of the inventory adjustment without a reservation is shown in Fig. 10. The sequence diagram shown in FIG. 10 is the same as FIG. 9 up to step S308. It differs from FIG. 9 in that the mobile terminal 10 receives input of transaction information (step S309a) before issuing a reconciliation request (step S310). This transaction information is input by the user, who enters the details of the executed transaction. In the reconciliation request (step S310), the mobile terminal 10 transmits the transaction information entered into the mobile terminal 10 together with the first hash data to the inventory adjustment system 90. The inventory adjustment system 90 generates second hash data from the transaction information entered into the mobile terminal 10, rather than the details of the scheduled transaction (step S311). The subsequent processing is the same as FIG. 9.

[0057] FIG. 11 is a sequence diagram when the ATM 20 performs matching processing. The sequence diagram shown in Fig. 11 is the same as Fig. 9 up to step S307. The mobile terminal 10 accepts transaction information input from the user (step S401) and generates second hash data (step S402). Alternatively, the mobile terminal 10 may obtain the details of the reserved transaction from the inventory adjustment system 90 and generate the second hash data.

[0058] The mobile terminal 10 provides the second hash data to the ATM 20. For example, the second hash data may be displayed as a two-dimensional code on the display unit 13 of the mobile terminal 10 and read by a camera of the ATM 20, or may be transmitted via BLE or NFC. The second hash data may also be encrypted and provided. The ATM 20 compares the second hash data acquired from the mobile terminal 10 with the first hash data generated by the ATM 20 (step S404). The ATM 20 provides the comparison result to the mobile terminal 10 (step S405). The comparison result may be provided via a two-dimensional code, or may be transmitted by BLE or NFC. The mobile terminal 10 transmits the acquired matching result to the inventory adjustment system 90. The inventory adjustment system 90 updates the transaction execution status of the case data 95a to "transacted."

[0059] As described above, the disclosed automated transaction device inventory management system comprises a plurality of automated transaction devices (ATMs 20) and an inventory adjustment system 90 that can communicate with a user terminal (mobile terminal 10), acquires information about the cash inventory at the plurality of automated transaction devices, identifies automated transaction devices that are subject to inventory adjustment due to user deposit / withdrawal transactions, and determines the content of the inventory adjustment, wherein the automated transaction device irreversibly converts user-specific information about the executed deposit / withdrawal transaction to generate first reconciliation information, the inventory adjustment system irreversibly converts user-specific information managed by its own system to generate second reconciliation information, the inventory adjustment system acquires the first reconciliation information from the automated transaction device via the user terminal, or the automated transaction device acquires the second reconciliation information from the inventory adjustment system via the user terminal, and the inventory adjustment system or the automated transaction device determines that inventory adjustment due to the user's deposit / withdrawal transaction has been executed when the first reconciliation information and the second reconciliation information match. With this configuration and operation, the automated teller machine inventory management system can identify the user who performed the deposit / withdrawal transaction without directly transferring user information, and can adjust the inventory based on the user's deposit / withdrawal transaction. Note that a cash dispenser can also be used as an automated teller machine in addition to an ATM.

[0060] In addition, the inventory adjustment system acquires the first reconciliation information from the automatic transaction device via the user terminal, and the inventory adjustment system reconciles the first reconciliation information with the second reconciliation information. With this configuration and operation, the user who performed the deposit / withdrawal transaction can be identified using the matching information provided from the ATM to the mobile terminal.

[0061] In addition, the automated trading device obtains the second reconciliation information from the inventory adjustment system via the user terminal, the automated trading device matches the first reconciliation information with the second reconciliation information to generate a reconciliation result, and the inventory adjustment system obtains the reconciliation result from the automated trading device via the user terminal. With this configuration and operation, the user who performed the deposit / withdrawal transaction can be identified using the matching information provided from the mobile terminal to the ATM.

[0062] The user-specific information is information that identifies an account. With this configuration and operation, a user can be identified using account information, which is essential information for depositing and withdrawing money at an ATM.

[0063] In addition, the inventory adjustment system accepts reservations for the contents of deposit and withdrawal transactions for inventory adjustment, and the inventory adjustment system irreversibly converts the reserved transaction contents, including the user-specific information, to generate second reconciliation information. At this time, the user terminal can display the automatic transaction device identified as the target of the inventory adjustment and the details of the inventory adjustment for that automatic transaction device, and reserve the details of the deposit and withdrawal transactions for the inventory adjustment. In this configuration, the entire transaction details are handed over, so it is possible to check whether they match the reserved transaction details.

[0064] Furthermore, the automated transaction machine and the user terminal exchange the first matching information or the second matching information in an encrypted form. This configuration and operation can further enhance security.

[0065] The system further includes a collection system that collects information regarding the cash balance on hand at the plurality of automated teller machines on that day, and a prediction system that predicts the cash balance that the plurality of automated teller machines will need from the next day onwards, and the cash balance adjustment system identifies automated teller machines with a predicted cash balance that is insufficient as targets for cash balance adjustment through deposit transactions, and identifies automated teller machines with a predicted cash balance that is excessive as targets for cash balance adjustment through withdrawal transactions. This configuration and operation allows for accurate adjustments to be made to fluctuations in inventory.

[0066] The balance adjustment system also sets a reward to be given to the user depending on the content of the balance adjustment, and gives the reward when it determines that a balance adjustment has been performed through the user's deposit and withdrawal transactions. By providing a reward in this manner, it is possible to motivate the user to cooperate with the inventory adjustment.

[0067] Furthermore, the automated transaction machine and the user terminal exchange data by reading a two-dimensional code or by short-distance wireless communication. In this way, data can be transferred by any means provided that the distance between the automated teller machine and the user terminal is short.

[0068] 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. [Explanation of symbols]

[0069] 10: Mobile terminal, 11: Control unit, 11a: Project access unit, 11b: Matching data processing unit, 11c: Remuneration processing unit, 12: 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: Inventory management unit, 21c: Matching data processing unit, 22: Communication unit, 23: Display unit, 24: Operation unit, 25: BLE communication unit, 26: NFC communication unit, 29: Memory unit, 30: Currency storage, 31: Card reader, 50: Accounting system system, 60: monitoring system, 70: collection and distribution system, 71: database, 80: cash demand forecasting system, 81: database, 90: inventory adjustment system, 91: control unit, 91a: ATM extraction unit, 91b: case management unit, 91c: matching confirmation unit, 91d: reward management unit, 91e: application communication unit, 91f: user management unit, 91g: system management unit, 92: communication unit, 93: display unit, 94: operation unit, 95: memory unit, 95a: case data, 95b: user data, 100: point system, 110: management terminal

Claims

1. A plurality of automated transaction devices; an inventory adjustment system capable of communicating with a user terminal, acquiring information on the cash inventory at the plurality of automated teller machines, identifying the automated teller machine that is the target of inventory adjustment due to a user's deposit / withdrawal transaction, and determining the content of the inventory adjustment; Equipped with the automated teller machine irreversibly converts user-specific information for the executed deposit / withdrawal transaction to generate first matching information; The inventory adjustment system irreversibly converts user-specific information managed by the system to generate second matching information, the inventory adjustment system acquires the first reconciliation information from the automated teller machine via the user terminal, or the automated teller machine acquires the second reconciliation information from the inventory adjustment system via the user terminal; The balance adjustment system or the automated teller machine determines that a balance adjustment based on the user's deposit / withdrawal transaction has been executed when the first reconciliation information and the second reconciliation information match. An automatic transaction device inventory management system characterized by:

2. 2. The automated transaction machine inventory management system according to claim 1, the inventory adjustment system acquires the first reconciliation information from the automated transaction machine via the user terminal; The inventory adjustment system of the automatic transaction device is characterized in that the inventory adjustment system matches the first matching information with the second matching information.

3. 2. The automated transaction machine inventory management system according to claim 1, The automated transaction device acquires the two pieces of reconciliation information from the inventory adjustment system via the user terminal, the automated transaction device matches the first matching information with the second matching information to generate a matching result; The inventory management system for an automatic transaction device, wherein the inventory adjustment system acquires the reconciliation results from the automatic transaction device via the user terminal.

4. 2. The automated transaction machine inventory management system according to claim 1, 10. An automated transaction machine inventory management system, wherein the user-specific information is information that identifies an account.

5. 2. The automated transaction machine inventory management system according to claim 1, An automatic transaction machine inventory management system, characterized in that the automatic transaction machine and the user terminal encrypt the transfer of the first matching information or the second matching information.

6. 2. The automated transaction machine inventory management system according to claim 1, a collection system for collecting information on the current day's cash inventory at the plurality of automated teller machines; a prediction system for predicting the amount of cash required by the plurality of automated teller machines from the next day onward, The inventory adjustment system is an automatic transaction device inventory management system characterized in that it identifies an automatic transaction device with a predicted inventory shortage as a target for inventory adjustment through a deposit transaction, and identifies an automatic transaction device with a predicted inventory shortage as a target for inventory adjustment through a withdrawal transaction.

7. 2. The automated transaction machine inventory management system according to claim 1, The balance adjustment system accepts reservations for deposit and withdrawal transaction details for balance adjustment, The inventory adjustment system irreversibly converts the reserved transaction details including the user-specific information to generate second matching information. An automatic transaction device inventory management system characterized by:

8. 8. The automated transaction machine inventory management system according to claim 7, The user terminal displays the automatic transaction device identified as the target of the inventory adjustment and the contents of the inventory adjustment for the automatic transaction device, and reserves the contents of deposit and withdrawal transactions for the inventory adjustment.

9. 2. The automated transaction machine inventory management system according to claim 1, The inventory adjustment system is an automatic transaction device inventory management system characterized in that it sets a reward to be awarded to a user depending on the content of the inventory adjustment, and awards a reward when it determines that an inventory adjustment has been performed through the user's deposit and withdrawal transactions.

10. 2. The automated transaction machine inventory management system according to claim 1, An automatic transaction machine inventory management system characterized in that the automatic transaction machine and the user terminal exchange data by reading a two-dimensional code or by short-range wireless communication.

11. a cash balance adjustment system capable of communicating with a user terminal acquires information on cash balances at a plurality of automated teller machines, identifies an automated teller machine that is the target of cash balance adjustment due to a user's deposit / withdrawal transaction, and determines the content of the cash balance adjustment; a step in which the automated transaction device irreversibly converts user-specific information regarding the executed deposit / withdrawal transaction to generate first matching information; a step in which the inventory adjustment system irreversibly converts user-specific information managed by the system to generate second matching information; the inventory adjustment system acquiring the first reconciliation information from the automated teller machine via the user terminal, or the automated teller machine acquiring the second reconciliation information from the inventory adjustment system via the user terminal; a step in which the inventory adjustment system or the automated teller machine determines that an inventory adjustment due to a deposit / withdrawal transaction of the user has been executed when the first reconciliation information and the second reconciliation information match; 1. An automated transaction device inventory management method comprising:

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