Transaction linkage method and automated trading device

Abstract

We provide user-friendly trading integration methods and automated trading devices. [Solution] The transaction linkage method according to this disclosure links a counter terminal 2 installed at a store counter and an automated trading device 3 via a transaction linkage server 1. The counter terminal acquires the details of a transaction instructed by the customer and the customer's biometric information, and transmits the acquired transaction details and biometric information to the transaction linkage server. The transaction linkage server manages the transaction details, customer biometric information, and transaction status received from the counter terminal in a management table. The automated trading device acquires the customer's biometric information and transmits the acquired biometric information to the transaction linkage server. The transaction linkage server searches the management table based on the biometric information received from the automated trading device to identify a predetermined transaction and transmits the details of the predetermined transaction to the automated trading device. The automated trading device executes the details of the predetermined transaction received from the transaction linkage server and transmits the execution result to the transaction linkage server, which updates the management table.

Description

Technical Field

[0001] The present invention relates to a transaction cooperation method and an automatic transaction device.

Background Art

[0002] There is a known technique for accepting a financial transaction that requires personal identification at the window of a bank branch, securely relaying the result of the personal identification performed at the window to an automatic transaction device using a two-dimensional code, and causing the automatic transaction device to execute the financial transaction (Patent Document 1). [[ID=?]]

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the prior art, a medium printed with a two-dimensional code that uniquely identifies the transaction content desired by the customer is issued at the window and handed to the customer. The customer takes the medium and moves to the automatic transaction device, holds the medium up to the automatic transaction device, and causes the two-dimensional code to be read. The automatic transaction device executes the transaction content stored in the two-dimensional code as it is. Alternatively, the automatic transaction device acquires the transaction content from the server based on the transaction identification number stored in the two-dimensional code and executes the transaction.

[0005] In the prior art, in order to execute the transaction registered at the window by the automatic transaction device, it takes the trouble to issue a medium printed with a two-dimensional code, the trouble to transport the medium to the automatic transaction device without damaging it, and the trouble to accurately read the two-dimensional code printed on the medium by the automatic transaction device. For example, when a customer who wishes to conduct a financial transaction is an elderly person, the above-mentioned trouble is particularly burdensome and the usability deteriorates.

[0006] This invention provides a user-friendly trading linkage method and an automated trading device. [Means for solving the problem]

[0007] To solve the above problems, the transaction linkage method according to the present invention is a transaction linkage method that links a counter terminal installed at a store counter and an automated trading device via a transaction linkage server, wherein the counter terminal acquires the content of a transaction instructed by the customer and the customer's biometric information, and transmits the acquired transaction content and biometric information to the transaction linkage server, the transaction linkage server manages the transaction content, customer biometric information, and transaction status received from the counter terminal in a management table, the automated trading device acquires the customer's biometric information and transmits the acquired biometric information to the transaction linkage server, the transaction linkage server searches the management table based on the biometric information received from the automated trading device to identify a predetermined transaction, and transmits the content of the identified predetermined transaction to the automated trading device, the automated trading device executes the content of the predetermined transaction received from the transaction linkage server and transmits the execution result to the transaction linkage server, and the transaction linkage server updates the contents stored in the management table. [Effects of the Invention]

[0008] According to the present invention, customer-instructed transactions are transferred from the counter terminal to the automated trading device via a transaction linkage server using the customer's biometric information. This eliminates the need to use media with printed two-dimensional codes, thus improving customer convenience. [Brief explanation of the drawing]

[0009] [Figure 1] An overview diagram of the transaction linkage system that performs transaction linkage. [Figure 2] Overall configuration diagram of the transaction linkage system. [Figure 3] Diagram illustrating the transaction management table. [Figure 4] A flowchart showing how to link transactions. [Figure 5] A flowchart illustrating the search process. [Figure 6] A flowchart illustrating error handling in Example 2. [Figure 7] An overall configuration diagram of the transaction linkage system relating to Example 3. [Figure 8] A flowchart showing how to link transactions. [Figure 9] A flowchart illustrating the transaction linkage method in Example 4. [Figure 10] A flowchart illustrating the process for setting the validity period of a transaction, relating to Example 5. [Figure 11] A flowchart of the search process relating to Example 6. [Figure 12] An overview diagram of a transaction collaboration system that uses biometric information other than images, including the customer's face, in relation to Example 7. [Modes for carrying out the invention]

[0010] Embodiments of the present invention will be described below with reference to the drawings. The transaction linkage method and automated trading device according to this embodiment link a counter terminal that accepts transactions and an automated trading device that executes transactions using the customer's biometric information. In this embodiment, it should be noted that the customer's biometric information is used as transfer information to indicate the identity of the transaction between the counter terminal and the automated trading device, and is not used as information for identity verification. In this embodiment, the customer's own biometric information is used to guarantee that the transaction registered from the counter terminal to the transaction linkage server is the same as the transaction that the customer intends to execute with the automated trading device. Since the customer's biometric information is unique to the customer, it is possible to guarantee the identity of the transaction registered from the counter terminal to the transaction linkage server and the transaction that the customer intends to execute with the automated trading device without using a medium with a printed two-dimensional code.

[0011] In one example of this embodiment, an expiration period can be set when registering a transaction from the counter terminal to the transaction linkage server. Customers can conduct transactions using the automated trading system within that expiration period. After the expiration period, customers are generally unable to conduct transactions using the automated trading system.

[0012] The length of the validity period may be manually set by the bank staff operating the teller terminal, or may be automatically set based on the time required for the customer to move between the current location and the automated teller machine where the transaction is scheduled to be executed.

[0013] In another example of this embodiment, based on the correspondence relationship between the installation location of the teller terminal and the installation location of the automated teller machine, it is possible to control whether a transaction can be executed by the automated teller machine. The correspondence relationship between the installation location of the teller terminal and the installation location of the automated teller machine means, for example, that the store where the teller terminal is installed and the store where the automated teller machine is installed are the same. Even if they are not the same, it is acceptable as long as the store where the teller terminal is installed and the store where the automated teller machine is installed are associated. A customer can also instruct a transaction using a teller terminal installed in a store within a certain facility and execute the transaction using an automated teller machine installed in another facility.

[0014] It is also possible to control whether a transaction can be executed by the automated teller machine using both the conditions of the validity period and the conditions of the installation location.

[0015] In this embodiment, for example, when a long time is required for a search process and a timeout occurs, or when the verification result of biometric information does not reach a predetermined threshold (error occurrence state), instead of rejecting the transaction by the automated teller machine, certain relief measures are prepared.

[0016] That is, when an error occurrence state occurs, the automated teller machine requests the customer to input predetermined information according to a request from the transaction cooperation server. When the transaction cooperation server determines that there is transaction identity based on the predetermined information input by the customer to the automated teller machine, it permits the customer to conduct a transaction using the automated teller machine.

[0017] The predetermined information is information indicating the identity between the transaction stored in the management table and the transaction that the customer intends to execute using the automated teller machine. It can also be called information indicating that the transaction is being normally carried over.

[0018] The specified information may include, for example, the details of the transaction registered on the transaction linkage server, or the information on the identity verification document, or both. Furthermore, for example, a password temporarily set at the counter terminal may also be used as the specified information. The transaction linkage server can prepare multiple sets of specified information to be used when an error occurs, and can decide which of the multiple sets of specified information to use depending on the degree of matching of the biometric information.

[0019] For example, if the degree of agreement between the biometric information associated with the management table and the biometric information obtained from the automated trading device is less than the first threshold (degree of agreement < first threshold), the transaction linkage server requests the automated trading device to input predetermined information indicating the identity between the transaction stored in the management table and the transaction that the customer intends to execute using the automated trading device.

[0020] If the degree of agreement of the biometric information is greater than or equal to the second threshold but less than the first threshold (first threshold > degree of agreement ≥ second threshold), information indicating the content of a predetermined transaction is selected as predetermined information. If the degree of agreement is greater than or equal to the third threshold but less than the second threshold (second threshold > degree of agreement > third threshold), information from the customer's identity verification documents is selected as predetermined information. In this embodiment, additional information (predetermined information) is selected according to the degree of agreement between the biometric information registered in the management table held by the transaction linkage server and the biometric information acquired by the automated trading device in which the customer intends to execute a transaction. Specifically, the lower the degree of agreement between the biometric information acquired at the counter terminal and registered in the management table of the transaction linkage server and the biometric information acquired by the automated trading device, the more precise additional information the customer is required to input.

[0021] Biometric information is information that represents physical characteristics that can identify a customer. Various types of biometric information can be used, such as facial images, fingerprints, voiceprints, iris scans, vein patterns, and gait patterns. One or more types of biometric information may be used. Generally, considering the widespread use of cameras, using images including the customer's face as biometric information can reduce manufacturing costs.

[0022] In the following, registering transaction details from a teller terminal to the management table of the transaction linkage server may be referred to as "registering a transaction to the transaction linkage server." "Transaction" may also be referred to as "case." [Examples]

[0023] Example 1 will be explained using Figures 1 to 5. Figure 1 shows an overview of the transaction linkage system 100 that performs transaction linkage.

[0024] The transaction linkage system 100 includes, for example, one transaction linkage server 1, at least one teller terminal 2, and at least one ATM 3. The transaction linkage server 1, the teller terminal 2, and the ATM 3 are connected via a communication network CN to enable bidirectional communication.

[0025] First, I will explain counter terminal 2, then ATM 3, and finally transaction linkage server 1.

[0026] The teller terminal 2 is a computer placed at the counter of a bank branch or similar location. The teller terminal 2 can be configured as a desktop personal computer, a laptop personal computer, or a tablet personal computer. The teller terminal 2 is equipped with a camera 21 for capturing the face of a customer who is in front of the bank employee OP. The camera 21 can also be called, for example, the "counter-side biometric information acquisition unit" or the "first biometric information acquisition unit." It is not limited to a camera built into the teller terminal 2; it can also be a camera that is connected to the teller terminal 2 afterwards. Any camera that can capture an image including the customer's face can be used as camera 21. Hereinafter, "image including face" may be abbreviated as "face image."

[0027] Instead of using the teller terminal 2 operated by an operator such as a bank employee, a customer U may use an information processing terminal 4 that is operated directly by the customer U as the teller terminal. The information processing terminal 4 may be configured as, for example, a tablet terminal. The form of the information processing terminal 4 is not limited. The information processing terminal 4 may be provided at the counter in advance, or the customer U may bring their own information processing terminal 4 to the counter. By installing an application program on the information processing terminal 4 owned by the customer U to register transaction details with the transaction linkage server 1, the information processing terminal 4 can be used in the same way as the teller terminal 2.

[0028] Terminal 2 performs identity verification as needed, depending on the transaction requested by customer U (withdrawal, deposit, transfer, etc.). When customer U requests a transaction that requires identity verification, bank employee OP asks customer U to present identification documents and verifies that customer U is who they claim to be based on the presented documents. Examples of identification documents include a driver's license, driver's history certificate, passport, My Number card, and residence card.

[0029] In this embodiment, customer U's identity verification is completed when the teller terminal 2 accepts the transaction requested by customer U. When customer U goes to ATM 3 to execute the transaction, identity verification is generally not performed. Hereafter, customer U may be abbreviated as "customer".

[0030] In the embodiment described later, if the degree of matching between the facial image captured by the camera 21 of the teller terminal 2 and the facial image captured by the camera 31 of the ATM 3 is low, the transaction linkage server 1 requests the ATM 3 to send information on identity verification documents. However, the information on identity verification documents used at that time is not used by the transaction linkage server 1 to verify that customer U is the person in question, but rather to verify that the transaction registered from the teller terminal 2 to the transaction linkage server 1 is the same as the transaction to be executed at the ATM 3.

[0031] In this manner, the teller terminal 2 transmits data D1, which associates the customer's desired transaction details, a flag indicating that identity verification has been completed, and the customer's facial image (also called a registered image), to the transaction linkage server 1 via the communication network CN. The data D1 transmitted from the teller terminal 2 to the transaction linkage server 1 may include not only the transaction details, flag, and registered image, but also a teller guidance flag indicating whether the customer needs to return to the teller counter after completing the transaction at ATM 3.

[0032] This section describes ATM3. ATM3, as an example of an "automated transaction device," is a device that performs automatic cash deposits and withdrawals, and automatic payments. Although not shown in the diagram, ATM3 comprises a main body containing a safe and an operating unit located on the top of the main body. The operating unit includes a user interface unit for displaying information and accepting input, a dispensing unit for inserting and removing banknotes and coins, a card insertion unit for inserting IC cards, a passbook insertion unit for inserting bank passbooks, and a control unit (all not shown). Furthermore, the operating unit of ATM3 is equipped with a camera 31 used to photograph the face of the user (in this case, the customer) operating ATM3. When a customer executes a transaction registered from the teller terminal 2 to the transaction linkage server 1 using ATM3, the customer's face image is captured by the ATM3's camera 31 before the transaction is executed. ATM3 transmits data D2, including the captured face image, to the transaction linkage server 1. Data D2 can include not only the customer's facial image, but also, for example, the date and time the photo was taken, the store number indicating the location where ATM 3 is installed, and the machine number that identifies ATM 3.

[0033] The transaction linkage server 1 will now be described. The transaction linkage server 1 is configured as a computer equipped with, for example, a processor 11, memory 12, a communication unit 13, a user interface unit 14, and so on. In the diagram, the user interface unit is abbreviated as "UI unit".

[0034] The processor 11 executes a computer program stored in memory 12, thereby realizing the functionality of the transaction linkage server 1. The processor 11 is not limited to a CPU (Central Processing Unit), but may also include a GPU (Graphics Processing Unit) or an ASIC (Application Specific Integrated Circuit).

[0035] The trading linkage server 1 can connect to a storage medium MM. The storage medium MM is configured as, for example, a memory device, a hard disk drive, an optical disk drive, or a magneto-optical disk drive, and stores computer programs and data non-temporarily. The storage medium MM can store computer programs and data by transferring them to the memory 12 of the trading linkage server 1. It can also store computer programs and data by transferring them from the memory 12 to the storage medium MM. By storing the computer program that realizes the functions of the trading linkage server 1 in the storage medium MM, connecting the storage medium MM to another computer, and installing the computer program stored in the storage medium MM on the other computer, the other computer can be made to function as the trading linkage server 1.

[0036] Memory 12 stores the transaction registration unit 15, the transaction search unit 16, and the transaction management table 17, which serves as a "management table." Other components, such as the operating system, are not shown in the diagram.

[0037] The transaction registration unit 15 has the function of registering data D1 received from the teller terminal 2 into the transaction management table 17. The transaction search unit 16 has the function of searching the transaction management table 17 using data D2 from ATM 3 as the search key.

[0038] The transaction management table 17 stores the transactions entered from the counter terminal 2. The details of the transaction management table 17 will be described later, but for example it includes the transaction details 171, identity verification flag 172, whether or not the customer was directed to a counter 173, transaction status 174, and image 175.

[0039] The communication unit 13 is a device that communicates with the counter terminal 2 and ATM 3 via the communication network CN. The user interface unit 14 is a device for the administrator of the transaction linkage server 1 to input and output information to and from the transaction linkage server 1. The user interface unit 14 includes, for example, a monitor display, keyboard, microphone, speaker, camera, printer, etc.

[0040] Figure 2 shows the overall configuration of the transaction linkage system 100. As described above, the transaction linkage server 1, the teller terminal 2, and the ATM 3 are connected via the communication network CN. The bank system 5 and the ATM 3 are connected via the communication network CN or other communication network CN2. The bank system 5 deposits and withdraws funds from the customer's bank account according to the transaction instructed by the customer U.

[0041] Figure 3 shows the details of the transaction management table 17. The transaction details 171 include, for example, case number 1711, date and time 1712, branch code 1713, transaction type 1714, amount 1715, validity period 1716, name 1717, and telephone number 1718. This information is stored in the transaction management table in association with each other.

[0042] Case number 1711 is the transaction number (case number) registered in the transaction linkage server 1. Date and time 1712 is the date and time when the transaction was registered in the transaction linkage server 1 from the teller terminal 2. Branch code 1713 is identification information that identifies the store where the teller terminal 2 is located. Since the store location is known, the location of the teller (store location) can be uniquely determined if the branch code is known. Transaction type 1714 is the type of transaction, such as deposit or withdrawal. Amount 1715 is the amount of the transaction, for example, the deposit amount or withdrawal amount. Validity period 1716 is the period during which the transaction registered in the transaction linkage server 1 from the teller terminal 2 can be executed. Validity period 1716 can be set as a relative time, for example, "30 minutes", "2 hours", "24 hours", or "3 days". The date and time obtained by adding the validity period 1716 to date and time 1712 indicates the last date and time when the transaction can be executed. Alternatively, the validity period can be set as an absolute time, for example, "until August 1, 2024". Name 1717 is the name of the customer wishing to conduct business. Other information that uniquely identifies the customer may be used instead of the name. Telephone number 1718 is the telephone number used to contact the customer. The customer's address, contact email address, etc., may be used instead of, or in conjunction with, the telephone number.

[0043] The identity verification flag 172 indicates that the customer's identity verification has been completed. Identity verification is performed when the customer presents identification documents at the branch counter and a bank employee checks the documents. Alternatively, an automated verification device may be used to automatically determine whether or not the customer is the correct person based on the identification documents. Such an automated verification device can be implemented, for example, by using a machine learning model that has been trained to verify the person's identity from the identification documents.

[0044] The counter guidance 173 is a flag that indicates that the customer should be guided to the counter after completing a transaction at ATM 3. For example, if a customer is making a transfer of a certain amount or more at the counter, the bank teller at the counter can ask the customer to return to the counter after completing the transaction at ATM 3.

[0045] Transaction status 174 indicates whether the transaction has been completed or not.

[0046] Image 175 is a facial image of a customer captured by the camera 21 of the counter terminal 2 when the customer applies for a transaction at the counter. The raw data of the facial image may be stored, or the features obtained by analyzing the facial image may be stored.

[0047] The transaction linkage method will be explained using the flowchart in Figure 4. At the teller terminal 2, identity verification is performed using the identity verification documents presented by the customer to the bank employee (S10). The bank employee registers the transaction requested by the customer as a case (S11) and takes a picture of the customer's face at that moment with camera 21 (S12). The bank employee sends data D1, which includes the transaction details, identity verification flag, and face image, from the teller terminal 2 to the transaction linkage server 1 (S13).

[0048] When the transaction registration unit 15 of the transaction linkage server 1 receives data D1 from the counter terminal 2, it registers the contents of the received data D1 in the transaction management table 17 (S14). Details of the transaction management table 17 are as shown in Figure 3.

[0049] Customers who have requested a transaction at the counter move to ATM3 within the same branch or to ATM3 located in a different branch. When it is detected that the customer standing in front of ATM3 has operated a designated button displayed on the operation panel included in the user interface of ATM3 (S15), ATM3 takes a picture of the customer's face with camera31 (S16).

[0050] The designated button is used to notify ATM3 that the customer has initiated the execution of a transaction requested at the counter. The designated button displays a name such as "Transaction from Counter."

[0051] Alternatively, as in the embodiment described later, instead of triggering the ATM3 to initiate a transaction with a predetermined button operation, the ATM3 may continuously analyze live images captured by the camera 31 and automatically determine whether a transaction has started. The ATM3 can also determine that a customer has requested to start a transaction if the camera 31 detects a face image that matches any of the face images registered in the transaction management table 17 within a predetermined range.

[0052] ATM3 sends the facial image captured by camera 31 and the branch number (branch code) of the store where ATM3 is installed as data D2 to transaction linkage server 1 (S17).

[0053] When the transaction search unit 16 of the transaction linkage server 1 receives data D2 from ATM 3, it searches the transaction management table 17 for transactions that match predetermined conditions (S18). The search method of the transaction search unit 16 will be described later in Figure 5. The transaction search unit 16 of the transaction linkage server 1 transmits the contents of the searched transactions to ATM 3 (S19).

[0054] ATM3 executes the transaction according to the transaction details notified by transaction linkage server 1 (S20). ATM3 sends the transaction result to transaction linkage server 1 (S21).

[0055] When the transaction linkage server 1 receives the transaction result from ATM 3, it changes the transaction status 174 in the transaction management table 17 from "Not Transactiond" to "Completed" and updates the transaction management table 17 (S22).

[0056] Figure 5 shows the details of the search process shown in step S18 in Figure 4. The transaction search unit 16 of the transaction linkage server 1 performs the following steps S181 to S184 for each transaction record registered in the transaction management table 17, and extracts transaction candidates that are candidates for the "specified transaction" (S181).

[0057] The transaction search unit 16 determines whether the branch code indicating the location of the teller terminal 2 that accepted the transaction matches the store number code (which can also be called the branch code) indicating the location of the ATM 3 where the transaction was requested to be executed (S182).

[0058] Next, the transaction search unit 16 determines whether the current date and time are within the validity period set for the transaction (S183).

[0059] The transaction search unit 16 then determines whether the transaction status is "untransactioned" (S184).

[0060] The transaction search unit 16 extracts transactions that satisfy all three of the above conditions as transaction candidates (S182:YES, S183:YES, and S184:YES). If any one of the conditions shown in steps S182 to S184 is not met (S182:NO, S183:NO, or S184:NO), the transaction search unit 16 returns to step S181 and reads the next transaction record.

[0061] The transaction search unit 16 determines from among the extracted transaction candidates whether there is a transaction candidate in which the face image captured by the camera 21 of the teller terminal 2 matches the face image captured by the camera 31 of the ATM 3 (S185). If a transaction candidate in which the face image captured by the teller terminal 2 matches the face image captured by the ATM 3 is detected (S185: YES), the transaction search unit 16 stores the detected transaction candidate as a predetermined transaction that satisfies predetermined conditions (S186).

[0062] On the other hand, if no transaction candidates are found in which the facial image captured by the counter terminal 2 matches the facial image captured by the ATM 3 (S185: NO), the transaction search unit 16 performs error processing (S187).

[0063] In error handling, for example, the transaction search unit 16 notifies the ATM 3 that the relevant transaction is not registered and displays this on the ATM 3's user interface. In addition, in the embodiment described later, the ATM 3 is prompted to input predetermined information depending on the degree of match between the facial image captured by the teller terminal 2 and the facial image captured by the ATM 3. Based on the predetermined information input by the customer, the ATM 3 determines the identity between the transaction registered by the teller terminal 2 and the transaction to be executed by the ATM 3.

[0064] In this embodiment of the transaction linkage system 100, the customer's facial image is used to link the customer's face with the customer's counter terminal 2, which accepts transactions, and the customer's facial image. The customer's facial image is used as transfer information to indicate the identity of the transaction between the counter terminal 2 and the ATM 3, and is not used as information for identity verification. In this embodiment, there is no need to use a medium printed with a two-dimensional code indicating the identity of the transaction, and the identity of the transaction registered in the transaction linkage server 1 from the counter terminal 2 and the transaction to be executed at the ATM 3 can be guaranteed. Therefore, the customer can perform the desired transaction simply by moving to the ATM 3, improving ease of use for the customer. The transaction linkage system 100 does not require the effort of printing out a medium with a two-dimensional code, thus reducing operating costs. Furthermore, the transaction linkage system 100 does not require the collection of used mediums, which improves the ease of use for the transaction linkage system 100 and reduces operating costs.

[0065] In this embodiment, when a customer operates a predetermined button on the ATM 3 (step S15 in Figure 4), the camera 31 captures a photograph of the customer's face. This reduces the processing load on the processor 11 compared to when the camera 31 continuously and periodically captures images.

[0066] In this embodiment, among the multiple transactions registered in the transaction management table 17, only the transactions that meet the location conditions (S182 in FIG. 5), are within the valid period (S183), and are in an untransacted state (S184) are extracted as transaction candidates, and face images are collated for the extracted transaction candidates (S185). Therefore, the number of times of collating the face image registered in the counter terminal 2 and the face image captured by the ATM 3 can be reduced, the processing load on the processor 11 can be reduced, and the time required for collation and the time required for transaction completion can be shortened. As a result, the usability for customers is further improved.

Embodiment

[0067] Embodiment 2 will be described with reference to FIG. 6. In the following embodiments including this embodiment, the description will focus on the differences from Embodiment 1. In the transaction cooperation system 100A of this embodiment, error recovery processing when the face image captured by the counter terminal 2 and the face image captured by the ATM 3 do not match within a predetermined range, that is, when the collation of the face images fails, will be described.

[0068] When the transaction search unit 16 of the transaction cooperation server 1 detects an error due to the failure of face image collation (S30), it notifies the ATM 3 that an error has occurred (S31). This error notification includes an instruction to transmit predetermined information according to the degree of match of the face image. Note that the error occurs not only when the collation of the face image fails, but also, for example, due to a search timeout resulting from communication delay or the like.

[0069] The ATM 3 displays, as an error message, that the transaction linked to the customer's face image is not registered in the transaction cooperation server 1 on the user interface unit (S32).

[0070] That is, when the degree of match between the face image registered in the transaction management table 17 and the face image obtained from the ATM 3 is less than the first threshold value (Th1) (match degree < Th1), the input of predetermined information indicating the identity between the transaction stored in the transaction management table 17 and the transaction that the customer attempts to execute using the ATM 3 is requested from the ATM 3 (S31).

[0071] The transaction search unit 16 requests ATM 3 to input information indicating the content of a predetermined transaction if the degree of matching of the facial image is greater than or equal to the second threshold (Th2) which is less than the first threshold (Th1 > degree of matching ≥ Th2) (S33). The transaction search unit 16 requests ATM 3 to input information from the customer's identification document if the degree of matching is greater than or equal to the third threshold (Th3) which is less than the second threshold (Th2 > degree of matching > Th3) (S34). In Figure 6, steps S33 and S34 are shown as being executed consecutively, but in reality, only one of either step S33 or step S34 is executed.

[0072] ATM3 displays messages to the customer on its user interface such as "Please enter your registered transaction details" or "Please present your identification documents," prompting the customer to enter either transaction details or information from their identification documents (S33, S34). ATM3 then transmits the information entered by the customer to the transaction linkage server 1 (S35).

[0073] When the transaction linkage server 1 confirms the predetermined information received from ATM 3 (S36), it reads the transaction details that match the predetermined conditions from the transaction management table 17 and sends them to ATM 3 (S37). Here, the degree of match used for matching the facial image is 2 or higher if the customer is asked to input the transaction details, and 3 or higher if the customer is asked to input information from their identity verification documents.

[0074] ATM3 executes the transaction according to the transaction details sent from transaction linkage server 1 (S38), and sends the result of the transaction to transaction linkage server 1 (S39).

[0075] The transaction linkage server 1 updates the value of transaction status 174 in the transaction management table 17 based on the transaction results received from ATM 3 (S40).

[0076] This embodiment, configured in this way, also achieves the same effects as Embodiment 1. Furthermore, in this embodiment, the transaction linkage server 1 requests additional information (predetermined information) from the ATM 3 based on the degree of match between the facial image registered in the transaction management table 17 held by the transaction linkage server 1 and the facial image taken by the ATM 3 where the customer intends to perform the transaction. Once the predetermined information is entered from the ATM 3, the transaction linkage server 1 permits the execution of the transaction desired by the customer. Therefore, even if an error occurs when the customer is performing a transaction at the ATM 3, they do not need to go back to the counter, further improving the user experience for the customer. [Examples]

[0077] Embodiment 3 will be explained using Figures 7 and 8. Figure 7 shows the overall configuration of the transaction linkage system 100B. In the transaction linkage system 100B of this embodiment, the teller terminal 2 and the ATM 3 are installed in the same store. The transaction linkage system 100B is connected to an in-store camera 6 that can capture the movement trajectory of a customer when they move from the teller terminal 2 to the ATM 3. The number of in-store cameras 6 is not limited as long as the customer's movement trajectory can be captured without interruption.

[0078] Figure 8 shows the transaction linkage method. The difference between the process in Figure 8 and the process described in Figure 4 lies in the search process (S18B) on the transaction linkage server 1. When a transaction is entered from the teller terminal 2 and registered in the transaction management table 17 (S14), the transaction linkage server 1 acquires images captured by the in-store camera 6 in real time and detects the customer's movement trajectory. For example, if a customer leaves the store and the customer's movement trajectory is interrupted, the transaction linkage server 1 prohibits the execution of the transaction registered at the teller terminal 2 at the ATM 3 (S18B). When a facial image is entered from the ATM 3, the transaction linkage server 1 notifies the ATM 3 of an error (S18B), even if a transaction matching that facial image exists in the transaction management table 17. This is because it is not possible to completely guarantee that the customer who applied for the transaction at the teller and the customer standing in front of the ATM 3 are the same person. Alternatively, a customer who has left the store may take incorrect actions due to instructions from a third party.

[0079] This embodiment, configured in this way, achieves the same effects as Embodiment 1. Furthermore, the transaction linkage system 100B in this embodiment continuously monitors the movement trajectory of a customer who has applied for a transaction at the counter terminal 2 until they arrive at ATM 3. Only after confirming that the customer has arrived at ATM 3 without losing sight of them is the transaction execution permitted at ATM 3. Therefore, the security of transaction execution can be further enhanced. [Examples]

[0080] Embodiment 4 will be explained using Figure 9. Figure 9 shows the transaction linkage method. In this embodiment, the transaction linkage system 100C is constantly taking pictures with the camera 31 (S16), and when it detects a face in the captured image, it transmits the face image and the store number where the ATM is located as data D2 to the transaction linkage system 1. In other words, in this embodiment, the transaction linkage system 100C omits step S15 described in Figure 4. This embodiment, configured in this way, also provides the same effects as Embodiment 1. Furthermore, in this embodiment, the customer who moves in front of the ATM 3 does not need to perform any predetermined button operations; the ATM 3's camera 31 automatically captures the customer's face, and the transaction associated with that face image is authorized. Therefore, the customer can perform the desired transaction without any special operations, further improving ease of use for the customer. [Examples]

[0081] Embodiment 5 will be explained using Figure 10. Figure 5 is a flowchart of the process for setting the validity period of a transaction. In this embodiment, the transaction registration unit 15 of the transaction linkage system 100D sets the validity period of the transaction, taking into account the time required for the customer to move to ATM 3. The transaction registration unit 15 confirms the location of ATM 3 where the customer plans to conduct the transaction (S111) and also confirms the time at which the customer plans to conduct the transaction at that ATM 3 (S112). Furthermore, the transaction registration unit 15 confirms the time required for the customer to move from the counter to ATM 3 where the transaction is planned to be executed (S113). Then, the transaction registration unit 15 sets the validity period of the transaction, taking into account the time required for the customer to arrive at ATM 3 (S114).

[0082] The validity period may be set at the counter terminal 2 instead of the transaction registration unit 15. The length of the validity period may be set using a pre-created rule-based determination device (not shown) or a pre-created machine learning model.

[0083] This embodiment, configured in this way, also provides the same effects as Embodiment 1. Furthermore, in this embodiment, the transaction validity period is set considering the time required for the customer to reach ATM 3. Therefore, even if the teller terminal 2 and ATM 3 are installed in separate facilities, the customer does not need to rush to move between them and can conduct transactions with peace of mind. [Examples]

[0084] Example 6 will be explained using Figure 11. Figure 11 is a flowchart of the search process performed in the transaction linkage system 100E of this example.

[0085] This process does not include step S182, unlike the search process described in Figure 5. In other words, the transaction linkage system 100E of this embodiment does not require that the location of the teller terminal 2 and the location of the ATM 3 be the same. Therefore, after registering the desired transaction at the teller terminal 2, the customer can move to the ATM 3 in a different facility and complete the transaction.

[0086] This embodiment, configured in this way, also provides the same effects and advantages as Embodiment 1. In this embodiment, since the transaction location is not restricted to within the same store, customers can conduct transactions at ATM 3 installed in their desired location. [Examples]

[0087] Example 7 will be explained using Figure 12. In this example, the transaction linkage system 100F uses biometric information other than the customer's facial image as information to indicate the identity between the transaction registered at the counter terminal 2 and the transaction executed at the ATM 3.

[0088] The data D1F sent from the teller terminal 2 to the transaction linkage server 1 includes the transaction details, an identity verification flag, and biometric information other than the facial image. The data D2F sent from ATM 3 to the transaction linkage server 1 includes the same type of biometric information as the biometric information acquired by the teller terminal 2. In addition, the transaction management table 17 stores biometric information 175F instead of the facial image.

[0089] This embodiment, configured in this way, produces the same effects and benefits as Embodiment 1. Furthermore, during identity verification at the counter, the bank employee will verify that the customer is indeed who they claim to be.

[0090] It should be noted that this embodiment is not limited to the embodiment described above, and various modifications are included. For example, the embodiment described above is explained in detail for the purpose of making this embodiment easy to understand, and is not necessarily limited to having all the configurations described. It is also possible to replace parts of the configuration of one embodiment with the configuration of another embodiment, and it is also possible to add configurations from other embodiments to the configuration of one embodiment. Furthermore, it is possible to add, delete, or replace parts of the configuration of each embodiment with other configurations. In addition, information such as programs, tables, and files that realize each configuration can be stored in memory, a recording device such as a hard disk or SSD (Solid State Drive), or a recording medium such as an IC card, SD card, or DVD.

[0091] The above-mentioned embodiment discloses an invention that can be expressed as follows:

[0092] (Note 1) A transaction linkage method for linking a counter terminal installed at a store counter and an automated trading device via a transaction linkage server, wherein the counter terminal acquires the content of a transaction instructed by the customer and the customer's biometric information, transmits the acquired transaction content and biometric information to the transaction linkage server, the transaction linkage server manages the transaction content, the customer's biometric information, and the status of the transaction received from the counter terminal in a management table, the automated trading device acquires the customer's biometric information and transmits the acquired biometric information to the transaction linkage server, the transaction linkage server searches the management table based on the biometric information received from the automated trading device to identify a predetermined transaction, transmits the content of the identified predetermined transaction to the automated trading device, the automated trading device executes the content of the predetermined transaction received from the transaction linkage server and transmits the execution result to the transaction linkage server, and the transaction linkage server updates the contents stored in the management table.

[0093] (Note 2) The transaction linkage method described in Note 1, wherein the teller terminal transmits the acquired transaction details and biometric information, the data acquisition time for acquiring the transaction details and biometric information, and the validity period for transaction execution to the transaction linkage server; the transaction linkage server manages the transaction details, customer biometric information, data acquisition time, validity period, and transaction status received from the teller terminal in a management table; the automated trading device acquires the customer biometric information and transmits the acquired biometric information and the time for acquiring the biometric information to the transaction linkage server; the transaction linkage server searches the management table based on the biometric information received from the automated trading device, the time for acquiring the biometric information, the data acquisition time, and the validity period to identify a predetermined transaction; transmits the details of the identified predetermined transaction to the automated trading device; the automated trading device executes the transaction details received from the transaction linkage server and transmits the execution result to the transaction linkage server; and the transaction linkage server updates the contents stored in the management table.

[0094] (Note 3) The transaction linkage method according to Note 1 or 2, wherein the transaction linkage server extracts from each transaction managed in the management table transactions in which the data acquisition time received from the automated trading device falls within the validity period, and identifies as the predetermined transaction a transaction in which the degree of agreement between the biometric information associated with the management table and the biometric information acquired from the automated trading device is equal to or greater than a first threshold among the extracted transactions.

[0095] (Note 4) The teller terminal transmits the acquired transaction details and biometric information, the data acquisition time, the validity period, and store location information indicating the location of the store where the teller terminal is installed to the transaction linkage server. The transaction linkage server manages the transaction details, customer biometric information, data acquisition time, validity period, store location information, and transaction status received from the teller terminal in a management table. The automated trading device acquires the customer biometric information and transmits the acquired biometric information, the time the biometric information was acquired, and automated trading device location information indicating the location of the automated trading device to the transaction linkage server. The transaction linkage method described in Appendix 1 or 2, wherein the transaction linkage server sends the data to the transaction linkage server, searches the management table based on the biometric information received from the automated trading device, the time the biometric information was acquired, the data acquisition time, the validity period, the store location information, and the automated trading device location information, identifies a corresponding predetermined transaction, transmits the contents of the identified predetermined transaction to the automated trading device, the automated trading device executes the contents of the predetermined transaction received from the transaction linkage server, transmits the execution result to the transaction linkage server, and the transaction linkage server updates the contents stored in the management table.

[0096] (Note 5) The transaction linkage method according to any one of Notes 1 to 4, wherein the transaction linkage server extracts from each transaction managed in the management table the transaction for which the data acquisition time received from the automated trading device falls within the validity period and for which the store location information and the automated trading device location information correspond, and among the extracted transactions, the transaction for which the degree of agreement between the biometric information associated with the management table and the biometric information acquired from the automated trading device is equal to or greater than the first threshold is identified as the predetermined transaction.

[0097] (Note 6) The transaction linkage method according to any one of Notes 1 to 5, wherein the transaction linkage server requests the automated trading device to input predetermined information indicating the identity between the transaction stored in the management table and the transaction that the customer intends to execute using the automated trading device, when the degree of agreement between the biometric information associated with the management table and the biometric information obtained from the automated trading device is less than the first threshold among the extracted transactions.

[0098] (Note 7) The specified information is the transaction linkage method described in any one of Notes 1 to 6, which is information indicating the content of the specified transaction.

[0099] (Note 8) The specified information is the transaction linkage method described in any one of Notes 1 to 7, which is the information on the customer's identification document.

[0100] (Note 9) A transaction linkage method according to any one of Notes 1 to 6, wherein when the degree of matching is greater than or equal to a second threshold but less than the first threshold, information indicating the content of the predetermined transaction is selected as the predetermined information, and when the degree of matching is greater than or equal to a third threshold but less than the second threshold, information of the customer's identity verification document is selected as the predetermined information.

[0101] (Note 10) The transaction linkage method described in any one of Notes 1 to 9, wherein the counter terminal acquires the details of multiple transactions instructed by the customer and the customer's biometric information, and transmits the acquired details of multiple transactions and biometric information as a composite transaction to the transaction linkage server.

[0102] (Note 11) The transaction linkage method according to any one of Notes 1 to 10, wherein the counter terminal has a camera and uses the camera to acquire an image including the customer's face as biometric information, and the automated trading device has another camera and uses the other camera to acquire an image including the customer's face as biometric information.

[0103] (Note 12) An automated trading device that interacts with a counter terminal installed at a store counter via a transaction linkage server, wherein the counter terminal acquires the details of a transaction instructed by the customer and the customer's biometric information, transmits the acquired details of the transaction and biometric information to the transaction linkage server, the transaction linkage server manages the details of the transaction, the customer's biometric information, and the status of the transaction received from the counter terminal in a management table, acquires the customer's biometric information, transmits the acquired biometric information to the transaction linkage server, the transaction linkage server searches the management table based on the received biometric information to identify a predetermined transaction, receives the details of the predetermined transaction transmitted from the transaction linkage server, executes the details of the predetermined transaction received from the transaction linkage server, transmits the execution result to the transaction linkage server, and causes the transaction linkage server to update the contents of the management table.

[0104] (Note 13) The automated trading device according to Note 12, wherein the teller terminal transmits the acquired transaction details and biometric information, the data acquisition time for acquiring the transaction details and biometric information, and the validity period for transaction execution to the trading linkage server, the trading linkage server manages the transaction details, the customer's biometric information, the data acquisition time, the validity period, and the transaction status received from the teller terminal in a management table, acquires the customer's biometric information, transmits the acquired biometric information and the time for acquiring the biometric information to the trading linkage server, and when the trading linkage server searches the management table based on the received biometric information, the time for acquiring the biometric information, the data acquisition time, and the validity period to identify a predetermined transaction, it receives the details of the predetermined transaction transmitted from the trading linkage server, executes the details of the predetermined transaction received from the trading linkage server, transmits the execution result to the trading linkage server, and causes the trading linkage server to update the contents of the management table.

[0105] (Note 14) The automated trading device according to Note 12 or 13, wherein the transaction linkage server extracts from each transaction managed in the management table the transaction for which the data acquisition time received from the automated trading device falls within the validity period, and identifies as the predetermined transaction a transaction for which the degree of agreement between the biometric information associated with the management table and the biometric information acquired from the automated trading device is equal to or greater than a first threshold among the extracted transactions.

[0106] (Note 15) The teller terminal transmits the acquired transaction details and biometric information, the data acquisition time, the validity period, and store location information indicating the location of the store where the teller terminal is installed to the transaction linkage server. The transaction linkage server manages the transaction details, the customer's biometric information, the data acquisition time, the validity period, the store location information, and the transaction status received from the teller terminal in a management table, acquires the customer's biometric information, and transmits the acquired biometric information, the time the biometric information was acquired, and the automated trading device location information indicating the location of the automated trading device to the transaction linkage server. The transaction linkage server searches the management table based on the biometric information received from the automated trading device, the time the biometric information was acquired, the data acquisition time, the validity period, the store location information, and the automated trading device location information to identify a predetermined transaction, transmits the contents of the identified predetermined transaction to the automated trading device, the automated trading device executes the contents of the predetermined transaction received from the transaction linkage server, transmits the execution result to the transaction linkage server, and causes the transaction linkage server to update the contents of the management table, as described in any one of appendices 12 to 14.

[0107] (Note 16) The transaction linkage server extracts from the transactions managed in the management table the transactions for which the data acquisition time received from the automated trading device falls within the validity period and for which the store location information and the automated trading device location information correspond, and identifies as the predetermined transactions the transactions for which the degree of agreement between the biometric information associated with the management table and the biometric information acquired from the automated trading device is equal to or greater than the first threshold among the extracted transactions. An automated trading device as described in any one of the appendices 12 to 15.

[0108] (Note 17) If the degree of agreement between the biometric information associated with the management table and the biometric information obtained from the automated trading device is less than the first threshold among the extracted transactions, the transaction linked server requests the input of predetermined information indicating the identity between the transaction stored in the management table and the transaction that the customer intends to execute using the automated trading device. An automated trading device according to any one of the appendices 12 to 16 that transmits the predetermined information in response to a request from the aforementioned trading linkage server.

[0109] (Note 18) The predetermined information is information entered by the customer and is information indicating the content of the predetermined transaction, as described in any one of Notes 12 to 17 of the automated trading device.

[0110] (Note 19) The specified information is information entered by the customer and is an automated trading device as described in any one of Notes 12 to 18, which is information from the customer's identification document.

[0111] (Note 20) An automated trading device according to any one of Notes 12 to 19, wherein when the degree of matching is greater than or equal to a second threshold but less than the first threshold, information indicating the content of the predetermined transaction is selected as the predetermined information, and when the degree of matching is greater than or equal to a third threshold but less than the second threshold, information of the customer's identity verification documents is selected as the predetermined information. [Explanation of Symbols]

[0112] 1: Transaction linkage server, 2: Counter terminal, 3: ATM, 4: Information processing terminal, 5: Banking system, 6: In-store camera, 15: Transaction registration unit, 16: Transaction search unit, 17: Transaction management table, 21: Camera, 31: Camera, 100, 100A~100F: Transaction linkage system

Claims

1. A trading linkage method that links a counter terminal installed at a store counter with an automated trading device via a trading linkage server, The aforementioned counter terminal acquires the details of the transaction instructed by the customer and the customer's biometric information, and transmits the acquired transaction details and biometric information to the transaction linkage server. The transaction linkage server manages the details of the transaction received from the counter terminal, the customer's biometric information, and the status of the transaction in a management table. The automated trading device acquires the customer's biometric information and transmits the acquired biometric information to the trading linkage server. The transaction linkage server searches the management table based on the biometric information received from the automated trading device to identify a predetermined transaction, and transmits the details of the identified predetermined transaction to the automated trading device. The automated trading device executes the contents of the predetermined transaction received from the trading linkage server, and transmits the execution result to the trading linkage server. The transaction linkage server updates the contents of the management table. Transaction linkage method.

2. The aforementioned terminal transmits the acquired transaction details and biometric information, the data acquisition time for acquiring the transaction details and biometric information, and the validity period of the transaction execution to the aforementioned transaction linkage server. The transaction linkage server manages the details of the transaction received from the counter terminal, the customer's biometric information, the data acquisition time, the validity period, and the status of the transaction in a management table. The automated trading device acquires the customer's biometric information and transmits the acquired biometric information and the time the biometric information was acquired to the trading linkage server. The transaction linkage server searches the management table based on the biometric information received from the automated trading device, the time the biometric information was acquired, the data acquisition time, and the validity period to identify a predetermined transaction, and transmits the details of the identified predetermined transaction to the automated trading device. The automated trading device executes the details of the transaction received from the trading linkage server and transmits the execution result to the trading linkage server. The transaction linkage server updates the contents of the management table. The transaction linkage method described in claim 1.

3. The transaction linkage server extracts from the transactions managed in the management table transactions in which the data acquisition time received from the automated trading device falls within the validity period, and identifies as predetermined transactions transactions in which the degree of agreement between the biometric information associated with the management table and the biometric information acquired from the automated trading device is equal to or greater than a first threshold transaction. The transaction linkage method described in claim 2.

4. The aforementioned counter terminal transmits the acquired transaction details and biometric information, the data acquisition time, the validity period, and store location information indicating the location of the store where the counter terminal is installed to the transaction linkage server. The transaction linkage server manages the details of the transaction received from the counter terminal, the customer's biometric information, the data acquisition time, the validity period, the store location information, and the status of the transaction in a management table. The automated trading device acquires the customer's biometric information, and transmits the acquired biometric information, the time the biometric information was acquired, and the location information of the automated trading device to the trading cooperation server. The transaction linkage server searches the management table based on the biometric information received from the automated trading device, the time the biometric information was acquired, the data acquisition time, the validity period, the store location information, and the automated trading device location information, identifies the corresponding predetermined transaction, and transmits the details of the identified predetermined transaction to the automated trading device. The automated trading device executes the contents of the predetermined transaction received from the trading linkage server, and transmits the execution result to the trading linkage server. The transaction linkage server updates the contents of the management table. The transaction linkage method described in claim 2.

5. The transaction linkage server extracts from the transactions managed in the management table the transactions for which the data acquisition time received from the automated trading device falls within the validity period and for which the store location information and the automated trading device location information correspond, and identifies the transactions among the extracted transactions for which the degree of agreement between the biometric information associated with the management table and the biometric information acquired from the automated trading device is equal to or greater than a first threshold as the predetermined transactions. The transaction linkage method described in claim 4.

6. The transaction linkage server, when the degree of agreement between the biometric information associated with the management table and the biometric information obtained from the automated trading device is less than the first threshold among the extracted transactions, requests the automated trading device to input predetermined information indicating the identity between the transaction stored in the management table and the transaction that the customer intends to execute using the automated trading device. A transaction linkage method according to any one of claims 3 or 5.

7. The aforementioned specified information is information that indicates the details of the aforementioned specified transaction. The transaction linkage method described in claim 6.

8. The aforementioned specified information is the information from the customer's identification document. The transaction linkage method described in claim 6.

9. When the degree of agreement is greater than or equal to the second threshold, but less than the first threshold, the information indicating the content of the predetermined transaction is selected as the predetermined information. If the degree of agreement is greater than or equal to the third threshold but less than the second threshold, the information from the customer's identification document is selected as the predetermined information. The transaction linkage method described in claim 6.

10. The aforementioned counter terminal acquires the details of multiple transactions instructed by the customer and the customer's biometric information, and transmits the acquired details of multiple transactions and biometric information as a composite transaction to the transaction linkage server. The transaction linkage method described in claim 1.

11. The aforementioned counter terminal has a camera, and uses the camera to acquire an image including the customer's face as biometric information. The automated trading device has another camera, and uses the other camera to acquire an image including the customer's face as biometric information. The transaction linkage method described in claim 1.

12. An automated trading device that communicates with a counter terminal installed at a store counter via a trading linkage server, The aforementioned teller terminal acquires the details of the transaction instructed by the customer and the customer's biometric information, transmits the acquired transaction details and biometric information to the transaction linkage server, and the transaction linkage server manages the transaction details, the customer's biometric information, and the status of the transaction received from the teller terminal in a management table. The system acquires the customer's biometric information and transmits the acquired biometric information to the transaction linkage server. When the transaction linkage server searches the management table based on the biometric information it has received to identify a predetermined transaction, it receives the details of the predetermined transaction transmitted from the transaction linkage server, The system executes the details of the predetermined transaction received from the transaction linkage server, sends the execution result to the transaction linkage server, and causes the transaction linkage server to update the contents of the management table. Automated trading device.

13. The aforementioned teller terminal transmits the acquired transaction details and biometric information, the data acquisition time and validity period of the transaction execution to the transaction linkage server, and the transaction linkage server manages the transaction details, the customer's biometric information, the data acquisition time and validity period, and the transaction status received from the teller terminal in a management table. The system acquires the customer's biometric information and transmits the acquired biometric information and the time the biometric information was acquired to the transaction linkage server. When the transaction linkage server searches the management table based on the biometric information received, the time the biometric information was acquired, the data acquisition time, and the validity period to identify a predetermined transaction, it receives the details of the predetermined transaction transmitted from the transaction linkage server, The system executes the details of the predetermined transaction received from the transaction linkage server, sends the execution result to the transaction linkage server, and causes the transaction linkage server to update the contents of the management table. The automated trading device according to claim 12.

14. The transaction linkage server extracts from the transactions managed in the management table transactions in which the data acquisition time received from the automated trading device falls within the validity period, and identifies as predetermined transactions transactions in which the degree of agreement between the biometric information associated with the management table and the biometric information acquired from the automated trading device is equal to or greater than a first threshold transaction. The automated trading device according to claim 13.

15. The aforementioned teller terminal transmits the acquired transaction details and biometric information, the data acquisition time, the validity period, and store location information indicating the location of the store where the teller terminal is installed to the transaction linkage server, and the transaction linkage server manages the transaction details, the customer's biometric information, the data acquisition time, the validity period, the store location information, and the transaction status received from the teller terminal in a management table. The system acquires the customer's biometric information, transmits the acquired biometric information, the time the biometric information was acquired, and the location information of the automated trading device to the trading cooperation server. The transaction linkage server searches the management table based on the biometric information received from the automated trading device, the time the biometric information was acquired, the data acquisition time, the validity period, the store location information, and the automated trading device location information to identify a predetermined transaction, and transmits the details of the identified predetermined transaction to the automated trading device. The automated trading device executes the predetermined transaction received from the trading linkage server, transmits the execution result to the trading linkage server, and causes the trading linkage server to update the contents of the management table. The automated trading device according to claim 13.

16. The transaction linkage server extracts from the transactions managed in the management table the transactions for which the data acquisition time received from the automated trading device falls within the validity period and for which the store location information and the automated trading device location information correspond, and identifies the transactions among the extracted transactions for which the degree of agreement between the biometric information associated with the management table and the biometric information acquired from the automated trading device is equal to or greater than a first threshold as the predetermined transactions. The automated trading device according to claim 15.

17. The transaction linkage server, when the degree of agreement between the biometric information associated with the management table and the biometric information obtained from the automated trading device is less than the first threshold among the extracted transactions, requests the input of predetermined information indicating the identity between the transaction stored in the management table and the transaction that the customer intends to execute using the automated trading device. The predetermined information is transmitted in response to a request from the transaction linkage server. An automated trading device according to any one of claims 14 or 16.

18. The aforementioned predetermined information is information entered by the customer and indicates the details of the predetermined transaction. The automated trading device according to claim 17.

19. The aforementioned specified information is information entered by the customer, and is the information from the customer's identification documents. The automated trading device according to claim 17.

20. When the degree of agreement is greater than or equal to the second threshold, but less than the first threshold, the information indicating the content of the predetermined transaction is selected as the predetermined information. If the degree of agreement is greater than or equal to the third threshold but less than the second threshold, the information from the customer's identification document is selected as the predetermined information. The automated trading device according to claim 17.

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