control device

Abstract

We provide technology that can help users of cash advance transactions. [Solution] A control device is provided, comprising: a display unit that displays a screen; an operation unit that receives instructions for a cash advance transaction from an operator; an acquisition unit that acquires identification information for identifying the operator; and a control unit that, when an instruction is acquired, controls the display unit to display a predetermined warning screen regarding the cash advance transaction based on whether the information relating to the operator corresponding to the identification information satisfies predetermined conditions.

Description

Technical Field

[0001] The present invention relates to a control device.

Background Art

[0002] In recent years, technologies for alerting about transactions have been known. For example, Patent Document 1 discloses a technology for displaying a warning screen that prompts a user to confirm whether a payee in a transfer transaction as an example of a transaction is legitimate.

[0003] In addition, cashing transactions, which are transactions for lending cash as an example of a transaction, are provided by various financial institutions. For example, due to the revision of the Civil Code in 2022, the age of majority was lowered to 18 years old, and those 18 years old or older can use cashing transactions without obtaining parental consent, which has also contributed to the increase in the number of users of cashing transactions.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, there may be users for whom it becomes difficult to repay the cash borrowed through cashing transactions. For example, a specific user (such as a person belonging to the young generation with little work experience, such as a college student) may be deceived by a fraudulent business operator and borrow a large amount of cash through a cashing transaction, and may be unable to repay the borrowed large amount of cash and may commit an illegal act.

[0006] Therefore, the present invention has been made in view of the above situation, and an object thereof is to provide a technology capable of relieving users of cashing transactions.

Means for Solving the Problems

[0007] To solve the above problems, according to one aspect of the present invention, a control device is provided, comprising: a display unit that displays a screen; an operation unit that receives instructions for a cash advance transaction from an operator; an acquisition unit that acquires identification information for identifying the operator; and a control unit that, when an instruction is acquired, controls the display unit to display a predetermined warning screen regarding the cash advance transaction based on whether the information relating to the operator corresponding to the identification information satisfies predetermined conditions.

[0008] The information relating to the operator includes information indicating the operator's employment status, and the predetermined conditions may include the condition that the information indicating the employment status indicates unemployment.

[0009] The information relating to the operator includes the operator's age, and the predetermined condition may include the condition that the age is less than a predetermined value.

[0010] The information relating to the operator includes the trend of changes in the frequency of the operator's use of cash advance transactions, and the predetermined conditions may include the condition that the trend of changes in the frequency of use is increasing.

[0011] The information relating to the operator includes the frequency of past cash advance transactions by the operator, and the predetermined conditions may include the condition that the frequency of use is equal to or greater than a predetermined frequency.

[0012] The information relating to the operator includes the trend of changes in the outstanding balance based on past cash advance transactions used by the operator, and the predetermined condition may include the condition that the decrease in the amount obtained by subtracting the previous outstanding balance from the current outstanding balance is less than a predetermined amount.

[0013] The information relating to the operator includes the outstanding balance based on past cash advance transactions used by the operator, and the predetermined conditions may include the condition that the outstanding balance is equal to or greater than a predetermined amount.

[0014] The information relating to the operator includes the amount borrowed in past cash advance transactions by the operator, and the predetermined conditions may include the condition that the borrowed amount is equal to or greater than a predetermined amount.

[0015] The control unit may control the display unit so that the predetermined warning screen is displayed on the display unit based on whether the information regarding the operator satisfies the predetermined conditions, and may control the execution of the cash advance transaction.

[0016] The aforementioned warning screen includes a button to execute the cash advance transaction, and the control unit may control the execution of the cash advance transaction based on the fact that the operation unit has received an operation to select the execution instruction button.

[0017] The control unit may control the writing of information related to the cash advance transaction to a predetermined medium after the execution of the cash advance transaction.

[0018] The information relating to the aforementioned cash advance transaction may include cautionary information regarding the aforementioned cash advance transaction.

[0019] The information relating to the aforementioned cash advance transaction may include contact information for the person who provided advice regarding the aforementioned cash advance transaction.

[0020] The aforementioned warning screen includes a button to cancel the cash advance transaction, and the control unit may cancel the execution of the cash advance transaction based on the fact that the operation unit has received an operation to select the cancellation button.

[0021] The aforementioned identification information may be an account number used to identify an account held by the operator.

[0022] The identification information may be information related to the living body of the operator.

Advantages of the Invention

[0023] According to the present invention described above, it is possible to relieve users of cashing transactions.

Brief Description of the Drawings

[0024] [Figure 1] It is an explanatory diagram showing the configuration of a transaction system according to an embodiment of the present invention. [Figure 2] It is an explanatory diagram showing the internal configuration of the automatic transaction device 20 according to an embodiment of the present invention. [Figure 3] It is an explanatory diagram showing the internal configuration of the financial institution host 10 according to an embodiment of the present invention. [Figure 4] It is a diagram showing a configuration example of customer information 401. [Figure 5] It is a diagram showing a configuration example of transaction history 402. [Figure 6] It is a flowchart showing an example of processing executed by the automatic transaction device 20 according to an embodiment of the present invention. [Figure 7] It is a diagram showing the menu screen 510. [Figure 8] It is a diagram showing the detailed selection screen 520. [Figure 9] It is a diagram showing a card insertion guidance screen. [Figure 10] It is a diagram showing the PIN input screen 540. [Figure 11] It is a diagram showing the attention call screen 550. [Figure 12] It is a diagram showing the amount input screen 560. [Figure 13] It is a diagram showing the end screen 57(). [Figure 14] It is a diagram showing the detail slip 580. [Figure 15] It is a flowchart showing an example of processing executed by the financial institution host 10 according to an embodiment of the present invention. [Modes for carrying out the invention]

[0025] Preferred embodiments of the present invention will be described in detail below with reference to the attached drawings. In this specification and the drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant descriptions will be omitted.

[0026] <0. Overview of the Embodiment> Embodiments of the present invention primarily describe a technology for rescuing users of cash advance transactions. More specifically, embodiments of the present invention describe a technology for rescuing specific users by presenting them with a predetermined warning screen regarding cash advance transactions. Users of cash advance transactions may be operators of the automated transaction device 20 (Figure 1). In the following description, users of cash advance transactions will also be referred to as "customers".

[0027] The embodiments of the present invention have been described above.

[0028] <<1. Details of the Embodiment>> Next, we will describe the details of embodiments of the present invention.

[0029] <1.1. Trading System Configuration> An example configuration of a trading system according to an embodiment of the present invention will be described.

[0030] Figure 1 is an explanatory diagram showing the configuration of a trading system according to an embodiment of the present invention. As shown in Figure 1, the trading system 1 comprises an automated trading device 20 and a financial institution host 10. The automated trading device 20 may correspond to a control device that controls the display of various screens by the display unit 25 (Figure 2). The automated trading device 20 may also correspond to a cash handling device that handles cash. The trading system 1 executes transactions based on operations performed by customers of the financial institution.

[0031] Transactions performed by Transaction System 1 include at least cash advance transactions. A cash advance transaction is a transaction in which cash is lent to a customer. For example, a cash advance transaction may be a cash advance service attached to a credit card. In this case, the account number used to identify the customer's deposit account (hereinafter also simply referred to as "account") recorded on the credit card may be used as identification information to identify the customer.

[0032] As another example, a cash advance transaction may be the provision of a service designed specifically for lending cash (a so-called card loan). In this case, the account number recorded on the borrowing card used for the card loan may be used as identification information to identify the customer. In the following explanation, both credit cards and borrowing cards used for card loans will be referred to simply as "cards."

[0033] Customers can borrow cash by using the cash advance service. The following explanation primarily describes an example where cash is lent to a customer by being withdrawn from the automated trading device 20. However, cash may also be lent to a customer by being deposited into their account.

[0034] (Automated trading device 20) The automated trading device 20 is a customer-operated terminal that executes transactions based on operations performed by customers of a financial institution. The automated trading device 20 may typically be an ATM (Automatic Teller Machine). The automated trading device 20 may be installed in facilities such as branches of financial institutions, convenience stores, train stations, hotels, shopping centers, hospitals, amusement parks, restaurants, or office buildings.

[0035] The automated transaction device 20 also includes a display and operation unit 22, a passbook insertion slot 24, a card insertion slot 26, a statement output slot 27, a banknote slot 28, and a coin slot 29. The passbook insertion slot 24, card insertion slot 26, statement output slot 27, banknote slot 28, and coin slot 29 will be described here, and the display and operation unit 22 will be described in detail later.

[0036] (Passbook slot 24) The passbook slot 24 is an opening for inserting and ejecting the customer's passbook.

[0037] (Card slot 26) The card slot 26 is an opening for inserting and ejecting the customer's card.

[0038] (Statement slip outlet 27) The statement output port 27 is an opening for outputting statement slips on which transaction details are printed.

[0039] (Banknote mouth 28) The banknote slot 28 functions as both a slot for customers to deposit banknotes and a slot for customers to withdraw banknotes.

[0040] (Coin slot 29) The coin slot 29 functions as both a slot for customers to deposit coins and a slot for customers to withdraw coins.

[0041] (Dedicated network 12) The dedicated network 12 is the financial institution's network and is configured, for example, by IP-VPN (Internet Protocol-Virtual Private Network). The automated trading device 20 can communicate with the financial institution host 10 via this dedicated network 12.

[0042] (Financial institution host 10) The financial institution host 10 controls the execution of transactions by communicating with the automated trading device 20 via a dedicated network 12. For example, the financial institution host 10 controls the execution of transactions instructed by the customer in the automated trading device 20.

[0043] The financial institution host 10 manages customer information 401 (Figure 4) and transaction history 402 (Figure 5). Customer information 401 (Figure 4) and transaction history 402 (Figure 5) will be explained in detail later.

[0044] The above describes an example of the configuration of the trading system 1 according to an embodiment of the present invention.

[0045] <1.2. Internal Configuration of the Automated Trading System> Next, the internal configuration of the automated trading device 20 according to an embodiment of the present invention will be described.

[0046] Figure 2 is an explanatory diagram showing the internal configuration of an automated trading device 20 according to an embodiment of the present invention. As shown in Figure 2, the automated trading device 20 according to an embodiment of the present invention comprises a display operation unit 22, a communication unit 210, a card reading unit 220, a passbook reading unit 230, a banknote deposit / withdrawal unit 250, a coin deposit / withdrawal unit 260, a storage unit 270, and a control unit 280.

[0047] (Display operation section 22) The display and operation unit 22 includes a display unit 25 that displays a screen visible to the customer and an operation unit 23 that receives operations from the customer. The display and operation unit 22 is constructed by stacking the display unit 25 and the operation unit 23 vertically, with the operation unit 23 on top and the display unit 25 on the bottom. With this configuration, the customer can input various operations into the operation unit 23 while viewing the screen displayed by the display unit 25.

[0048] The screen may display operation objects (hereinafter also referred to as "buttons") that can be selected by the customer. The form of the display unit 25 is not limited. For example, the display unit 25 can be implemented using a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device.

[0049] In the following description, it is assumed that the operation unit 23 is configured as a touch panel, and that operations on the operation unit 23 include touch operations on the operation unit 23. When a customer touches the operation unit 23, the position on the operation unit 23 where the customer touched it can be detected by the operation unit 23. However, operations on the operation unit 23 by the customer may also include operations other than touch operations on the operation unit 23 (for example, drag operations).

[0050] Furthermore, if the control unit 280 recognizes that the position on the operation unit 23 touched by the customer corresponds to a button displayed on the display unit 25, the control unit 280 recognizes that the customer has selected that button.

[0051] (Communications Department 210) The communication unit 210 sends and receives various information to and from the financial institution host 10 via the dedicated network 12. For example, the communication unit 210 sends a confirmation processing request to the financial institution host 10 to confirm whether a warning is necessary. The communication unit 210 receives the confirmation processing result from the financial institution host 10 as a response to the confirmation processing request. The communication unit 210 also sends a transaction execution request to the financial institution host 10 to request the execution of a cash advance transaction. The communication unit 210 receives the transaction execution result from the financial institution host 10 as a response to the transaction execution request.

[0052] (Card reader unit 220) The card reader 220 reads the information recorded on the customer's card inserted through the card slot 26. For example, the information recorded on the card may include the account number. The account number read from the customer's card by the card reader 220 can be used as identification information to identify the customer.

[0053] (Passbook reading unit 230) The passbook reading unit 230 reads magnetic information recorded on the magnetic stripe formed on the cover paper of the customer's passbook inserted through the passbook slot 24. For example, the magnetic information may include the account number. The account number read from the customer's passbook by the passbook reading unit 230 can be used as identification information to identify the customer.

[0054] (Banknote deposit / withdrawal section 250) The banknote deposit and withdrawal unit 250 includes a banknote transport path, a banknote cassette, and a function for recognizing the legitimacy of the banknotes.

[0055] (Coin deposit / withdrawal section 260) The coin deposit / discharge unit 260 includes a coin transport path, a coin cassette, and a function for recognizing the legitimacy of the coins.

[0056] (Storage unit 270) The storage unit 270 is a storage medium that stores various information used for processing by the automated trading device 20, and is composed of memory. For example, the storage unit 270 stores a program for implementing the control unit 280.

[0057] (Control unit 280) The control unit 280 includes a processor. The control unit 280 can be realized by the processor executing a program stored in the storage unit 270. The control unit 280 controls the overall processing of the automated transaction device 20. For example, the control unit 280 controls the processing of the display operation unit 22, the communication unit 210, the card reading unit 220, the passbook reading unit 230, the banknote deposit / withdrawal unit 250, and the coin deposit / withdrawal unit 260.

[0058] The internal configuration of the automated trading device 20 according to the embodiment of the present invention has been described above.

[0059] <1.3. Internal Configuration of Financial Institution Hosts> Next, the internal configuration of the financial institution host 10 according to an embodiment of the present invention will be described.

[0060] Figure 3 is an explanatory diagram showing the internal configuration of a financial institution host 10 according to an embodiment of the present invention. As shown in Figure 3, the financial institution host 10 according to an embodiment of the present invention comprises a control unit 120, a storage unit 130, and a communication unit 140.

[0061] (Communications Section 140) The communication unit 140 transmits and receives various information to and from the automated trading device 20 via the dedicated network 12. For example, the communication unit 140 receives a confirmation processing request from the automated trading device 20. The communication unit 140 also transmits the confirmation processing result to the automated trading device 20 as a response to the confirmation processing request. The confirmation processing result may include authentication failure, no warning required, or warning required. Authentication failure, no warning required, and warning required will be explained later.

[0062] (Storage unit 130) The storage unit 130 is a storage medium that stores various information used for processing by the financial institution host 10, and is composed of memory. For example, the storage unit 130 stores the program for implementing the control unit 120. The storage unit 130 also stores customer information 401 (Figure 4) and transaction history 402 (Figure 5). The configuration of customer information 401 will be explained with reference to Figure 4, and the configuration of transaction history 402 will be explained with reference to Figure 5.

[0063] Figure 4 shows an example of the structure of customer information 401. As shown in Figure 4, customer information 401 is structured by associating account number, balance, age, occupation, PIN, and outstanding balance. In the example shown in Figure 4, the outstanding balance is shown as outstanding balance (2024 / 07 / 20) and outstanding balance (2024 / 08 / 30).

[0064] An account number is information used to identify an account held by a customer, and is used as an example of identification information to identify a customer.

[0065] The balance is the amount of cash deposited in the customer's account.

[0066] The age is the customer's age.

[0067] Occupation refers to the job held by the customer and is used as an example of information indicating the customer's employment status. For example, "unemployed" could be an example of information indicating unemployed status. Another example that could be an example of information indicating unemployed status is "student".

[0068] A PIN is a number used for customer authentication and may be considered personal information. A PIN may be represented by four digits or by a number other than four digits. Alternatively, some or all of the digits in a PIN may be replaced with letters or other characters.

[0069] The outstanding balance is the total amount of unpaid loans from the past. In the example shown in Figure 4, the customer's outstanding balance is 200,000 yen as of July 20, 2024, and 500,000 yen as of August 30, 2024. For example, the timing of adding the outstanding balance to customer information 401 may include the timing when the customer borrowed money and the timing when the customer made a repayment. There is no limit to the number of times the outstanding balance is added to customer information 401.

[0070] Figure 5 shows an example of the structure of transaction history 402. As shown in Figure 5, transaction history 402 is structured by associating account number, borrowing date, borrowing amount, and repayment date.

[0071] An account number is information used to identify an account held by a customer, and is used as an example of identification information to identify a customer.

[0072] The borrowing date is information indicating the date on which the customer borrowed cash using a cash advance transaction.

[0073] The loan amount is the amount of cash borrowed by the customer using a cash advance transaction.

[0074] The repayment date indicates the date on which the customer repaid the borrowed amount in cash. If the customer has not yet repaid the borrowed amount in cash, the repayment date is set to "unpaid."

[0075] (Control unit 120) The control unit 120 includes a processor. The control unit 120 can be realized by the processor executing a program stored in the storage unit 130. The control unit 120 controls the overall processing of the financial institution host 10.

[0076] The internal configuration of the financial institution host 10 according to the embodiment of the present invention has been described above.

[0077] <1.4. Processing by the automated trading system> Referring to Figures 6 to 14 (and Figures 1 to 5 as appropriate), an example of processing performed by the automated trading device 20 according to an embodiment of the present invention will be described. Figure 6 is a flowchart showing an example of processing performed by the automated trading device 20 according to an embodiment of the present invention.

[0078] Let's assume a scenario where a customer wants to use a cash advance service. First, the customer moves to the location where the automated transaction device 20 is installed. In the automated transaction device 20, the control unit 280 controls the display unit 25 so that the menu screen 510 (Figure 7) is displayed on the display unit 25.

[0079] Figure 7 shows the menu screen 510. As shown in Figure 7, the menu screen 510 includes a deposit instruction button 511, a transfer instruction button 512, a withdrawal instruction button 513, a passbook update instruction button 514, a balance inquiry instruction button 515, and a cash advance selection button 516.

[0080] When the operation unit 23 receives an operation to select the deposit instruction button 511, the control unit 280 controls the deposit of cash into the customer's account. When the operation unit 23 receives an operation to select the transfer instruction button 512, the control unit 280 controls the transfer of cash. When the operation unit 23 receives an operation to select the withdrawal instruction button 513, the control unit 280 controls the withdrawal of cash from the customer's account.

[0081] When the operation unit 23 receives an operation to select the passbook entry instruction button 514, the control unit 280 controls the entry of the transaction history into the customer's passbook. When the operation unit 23 receives an operation to select the balance inquiry instruction button 515, the control unit 280 controls the display of the customer's account balance. When the operation unit 23 receives an operation to select the cash advance selection button 516, the control unit 280 controls the display unit 25 so that the detailed selection screen 520 (Figure 8) is displayed by the display unit 25.

[0082] Figure 8 shows the detailed selection screen 520. As shown in Figure 8, the detailed selection screen 520 includes a cash advance transaction instruction button 521, a repayment execution button 522, and a balance inquiry instruction button 523.

[0083] When the operation unit 23 receives an operation to select the repayment execution button 522, the control unit 280 controls the cash repayment of the amount borrowed by the customer in the past. As a result, the current date is set as the repayment date corresponding to the account number in the transaction history 402 (Figure 5), and the difference amount after deducting the repayment amount from the previous outstanding balance is added as the new outstanding balance, corresponding to the account number in the customer information 401 (Figure 4).

[0084] When the operation unit 23 receives an operation to select the balance inquiry instruction button 523, the control unit 280 controls the display of the customer's account balance. When the operation unit 23 receives an operation to select the cash advance transaction instruction button 521 as an instruction operation for a cash advance transaction (S11), the control unit 280 controls the display unit 25 so that the card insertion guidance screen 530 (Figure 9) is displayed by the display unit 25.

[0085] Figure 9 shows a card insertion guidance screen. As shown in Figure 9, the card insertion guidance screen 530 includes a cancel button 531. When the operation unit 23 receives an operation to select the cancel button 531, the control unit 280 cancels the cash advance transaction. When the customer inserts a card into the card slot 26, the card reader unit 220 functions as an acquisition unit that obtains the customer's account number by reading the account number from the card.

[0086] Based on the fact that the account number has been obtained by the card reader 220, the control unit 280 controls the display unit 25 so that the PIN input screen 540 (Figure 10) is displayed by the display unit 25.

[0087] Figure 10 shows the PIN entry screen 540. As shown in Figure 10, the PIN entry screen 540 includes a cancel button 541 and a group of number buttons 542. When the operation unit 23 receives an operation to select the cancel button 541, the control unit 280 cancels the cash advance transaction.

[0088] On the other hand, if the operation unit 23 receives an operation from the customer to sequentially select numbers corresponding to each digit of the PIN from the number button group 542, the control unit 280 acquires the sequentially selected numbers as the PIN. The control unit 280 controls the communication unit 210 so that a confirmation processing request including the acquired account number and PIN is sent to the financial institution host 10 by the communication unit 210 (S12). Note that if authentication is not required, the PIN does not need to be entered.

[0089] In the financial institution host 10, a confirmation request is received, and a confirmation process is executed that includes authentication based on the PIN included in the confirmation request, and a determination of whether the customer information corresponding to the account information included in the confirmation request meets predetermined conditions (hereinafter also referred to as "warning conditions"). If the financial institution host 10 finds that the customer information meets the warning conditions, it determines that a warning is required. On the other hand, if the financial institution host 10 finds that the customer information does not meet the warning conditions, it determines that a warning is not required.

[0090] The financial institution host 10 sends a confirmation processing result indicating authentication failure, no warning required, or warning required, and the communication unit 210 in the automated trading device 20 receives the confirmation processing result (S13).

[0091] Here, customer information may include information indicating the customer's employment status. In this case, the warning condition may include the condition that the information indicating the customer's employment status indicates unemployment. This allows for warnings to be issued to unemployed individuals who engage in cash advance transactions. For example, the warning condition may include the condition that the occupation corresponding to the account number in customer information 401 is unemployed or student.

[0092] Customer information may include the customer's age. In this case, the cautionary condition may include the condition that the customer's age is below a predetermined value (hereinafter also referred to as the "predetermined age"). For example, the cautionary condition may include the condition that the age corresponding to the account number in customer information 401 is below the predetermined age.

[0093] Here, the specified age may be any age between 19 and 26. If the specified age is 19, at least a warning can be issued to 18-year-old customers who are eligible to conduct cash advance transactions. Also, if the specified age is 26, at least a warning can be issued to young people (customers between 18 and 25 years old) who are eligible to conduct cash advance transactions.

[0094] The control unit 280 determines the result of the verification process (S14). If the verification process result is an authentication failure based on the PIN (in S14, "authentication failure"), the control unit 280 controls the display unit 25 so that an authentication failure message indicating that authentication has failed is displayed by the display unit 25 (S15).

[0095] On the other hand, if the confirmation processing result indicates that a warning is required (in S14, "Warning Required"), the control unit 280 controls the display unit 25 so that a predetermined warning screen 550 (Figure 11) regarding the cash advance transaction is displayed by the display unit 25 (S16).

[0096] Figure 11 shows a warning screen 550. As shown in Figure 11, the warning screen 550 includes a cancel button 551, a two-dimensional code 552, a warning message 553, a telephone number 554, and a confirmation button 555. The two-dimensional code 552, the warning message 553, and the telephone number 554 may correspond to information related to the cash advance transaction. When the operation unit 23 receives an operation to select the cancel button 551 (in S17, "cancel"), the control unit 280 cancels the cash advance transaction.

[0097] QR code 552 could be an example of contact information for a person to consult regarding cash advance transactions. More specifically, QR code 552 could be a QR code for the URL (Uniform Resource Locator) of the Financial Services Agency's website, which contains the contact information (e.g., the phone number of the Financial Services Agency's consultation desk) for the person to consult regarding cash advance transactions. This would allow a customer who scans QR code 552 with their smartphone to check the contact information of the person to consult on their smartphone.

[0098] Warning content 553 is a warning message regarding cash advance transactions. As shown in Figure 11, warning content 553 may be a string of characters. Warning content 553 may also include examples of problems encountered by customers who used cash advance transactions, and messages encouraging consultation regarding cash advance transactions.

[0099] Telephone number 554 could be an example of contact information for someone to consult about cash advance transactions. More specifically, telephone number 554 could be the telephone number of the Financial Services Agency's consultation desk, which is a point of contact for consultations regarding cash advance transactions. This would allow customers to consult with staff at the Financial Services Agency's consultation desk regarding cash advance transactions by calling telephone number 554.

[0100] If the operation unit 23 receives an operation to select the confirmation button 555 (in S17, "Confirmation"), the control unit 280 proceeds to S18. On the other hand, the control unit 280 also proceeds to S18 if the confirmation process result indicates that no warning is necessary (in S14, "No warning needed"). The control unit 280 controls the display unit 25 so that the amount input screen 560 (Figure 12) is displayed by the display unit 25 (S18).

[0101] Figure 12 shows the amount input screen 560. As shown in Figure 12, the amount input screen 560 includes a cancel button 561, which is a button to instruct the cancellation of a cash advance transaction, a group of number buttons 562, and a confirmation button 563, which is a button to instruct the execution of a cash advance transaction. When the operation unit 23 receives an operation to select the cancel button 561 (in S19, "cancel"), the control unit 280 cancels the cash advance transaction.

[0102] On the other hand, if the operation unit 23 receives an operation from the customer to sequentially select the numbers corresponding to each digit of the loan amount from the number button group 562, the control unit 280 acquires the sequentially selected numbers as the loan amount.

[0103] If the operation unit 23 receives an operation to select the confirmation button 563 (in S19, "confirmation"), the control unit 280 controls the execution of the cash advance transaction by controlling the communication unit 210 so that a transaction execution request including the account number and the loan amount is sent to the financial institution host 10 by the communication unit 210 (S20).

[0104] It should be noted that the amount input screen 560 may not include a cancel button 561. In such cases, the control unit 280 may control the communication unit 210 so that the transaction execution request is sent to the financial institution host 10 by the communication unit 210 without waiting for the operation unit 23 to accept the operation of selecting the confirmation button 563.

[0105] The control unit 280 controls the withdrawal of the borrowed amount in cash (S21). For example, withdrawal control can be performed by controlling the transport path so that the cash stored in a storage compartment (not shown) inside the automated transaction device 20 is transported to at least one of the banknote slot 28 and the coin slot 29.

[0106] Furthermore, the control unit 280 controls the ejection of the customer's card from the card slot 26, controls the writing of information regarding the cash advance transaction to a medium by a writing unit (not shown), and controls the ejection of the statement containing the cash advance transaction information from the statement ejection port 27. The medium on which the cash advance transaction information is written may be paper or another medium.

[0107] The control unit 280 controls the display unit 25 so that the termination screen 570 (Figure 13) is displayed by the display unit 25.

[0108] Figure 13 shows the completion screen 570. As shown in Figure 13, the completion screen 570 may include messages prompting the customer to take their card, receipt, and cash.

[0109] Figure 14 shows a statement 580. As shown in Figure 14, the statement 580 may include a two-dimensional code 581, a warning message 582, a telephone number 583, a transaction date and time 584, an account number 585, and a loan amount 586. The two-dimensional code 581, the warning message 582, the telephone number 583, the transaction date and time 584, the account number 585, and the loan amount 586 may constitute information related to the cash advance transaction.

[0110] Two-dimensional code 581 is the same as two-dimensional code 552 included in the warning screen 550 (Figure 11).

[0111] Warning content 582 is a warning regarding cash advance transactions. As shown in Figure 13, warning content 582 may be a string of characters. Warning content 582 may also include a message encouraging consultation regarding cash advance transactions.

[0112] Telephone number 583 is the same as telephone number 554 included in the warning screen 550 (Figure 11).

[0113] Transaction date and time 584 is the date and time when the cash advance transaction was executed.

[0114] Account number 585 is the customer's account number.

[0115] The loan amount of 586 is the amount of cash borrowed by the customer through the use of cash advance transactions.

[0116] The customer receives the cash amount of the loan dispensed from at least one of the banknote slot 28 and the coin slot 29, receives the card dispensed from the card insertion slot 26, and receives the receipt dispensed from the receipt dispenser 27.

[0117] The above describes an example of processing performed by the automated trading device 20 according to an embodiment of the present invention.

[0118] <1.5. Processing by the financial institution host> Referring to Figure 15 (and Figures 1 to 5 as appropriate), an example of processing performed by the financial institution host 10 according to an embodiment of the present invention will be described. Figure 15 is a flowchart showing an example of processing performed by the financial institution host 10 according to an embodiment of the present invention.

[0119] In the financial institution host 10, the communication unit 140 receives a confirmation processing request transmitted from the automated trading device 20. The control unit 120 performs authentication based on the PIN included in the confirmation processing request (S31). More specifically, the control unit 120 obtains the PIN corresponding to the account number included in the confirmation processing request from the customer information 401, and performs authentication based on whether the PIN obtained from the customer information 401 matches the PIN included in the confirmation processing request.

[0120] If authentication fails (NO in S32), the communication unit 140 transmits an authentication failure as a confirmation process result to the automated trading device 20 (S33). On the other hand, if authentication is successful (YES in S32), the control unit 120 obtains customer information corresponding to the account number (S34). The control unit 120 determines whether the customer information satisfies the warning conditions (S35). Examples of customer information and warning conditions are as described above.

[0121] If the communication unit 140 determines that the customer information does not meet the warning conditions (NO in S35), it sends a confirmation result indicating that no warning is needed to the automated trading device 20 (S36). The control unit 120 then proceeds to S39. On the other hand, if the communication unit 140 determines that the customer information does meet the warning conditions (YES in S35), it sends a confirmation result indicating that a warning is needed to the automated trading device 20 (S37).

[0122] If the control unit 120 does not receive a transaction execution request from the automated trading device 20 via the communication unit 140 (NO in S38), it terminates processing. On the other hand, if the control unit 120 does receive a transaction execution request from the automated trading device 20 via the communication unit 140 (YES in S38), it updates the outstanding balance in the transaction history 402 and customer information 401 (S39) and terminates processing.

[0123] More specifically, the control unit 120 updates the transaction history 402 by adding data to the transaction history 402 in which the account number included in the transaction execution request is set as the account number, the current date is set as the borrowing date, the borrowing amount included in the transaction execution request is set as the borrowing amount, and "unpaid" is set as the repayment date.

[0124] Furthermore, if the control unit 120 finds that there is a previous outstanding balance in the customer information 401 corresponding to the account number included in the transaction execution request, it calculates a new outstanding balance by adding the previous outstanding balance to the loan amount included in the transaction execution request. The control unit 120 then updates the outstanding balance in the customer information 401 by associating the newly calculated outstanding balance with the account number.

[0125] Alternatively, if the control unit 120 finds that there is no outstanding balance in the customer information 401 corresponding to the account number included in the transaction execution request, it sets the borrowed amount included in the transaction execution request as the outstanding balance. Then, the control unit 120 updates the outstanding balance in the customer information 401 by associating the outstanding balance with the account number.

[0126] The above describes an example of processing performed by the financial institution host 10 according to an embodiment of the present invention.

[0127] <1.6. Effects> According to an embodiment of the present invention, an automated transaction device 20 may be provided, comprising: a display unit 25 that displays a screen; an operation unit 23 that receives instructions for a cash advance transaction from a customer; a card reader unit 220 that acquires the customer's account information; and a control unit 280 that, when an instruction for a cash advance transaction is received, controls the display unit 25 to display a predetermined warning screen regarding the cash advance transaction based on whether the customer information corresponding to the account information satisfies the warning conditions.

[0128] This configuration makes it possible to provide relief to users of cash advance transactions. For example, a customer who is troubled by the use of cash advance transactions (for example, a young customer) may see a warning screen, access a consultation service, and consult with the staff at the consultation service regarding the use of cash advance transactions, potentially resolving the customer's concerns. This makes it possible to prevent customers from engaging in illegal activities to obtain cash.

[0129] Furthermore, financial institutions that install automated trading devices 20 with such a configuration in their branches can not only lend cash to customers, but also demonstrate that they rescue and protect customers who use cash advance transactions. This allows financial institutions to create a favorable impression on users.

[0130] The embodiments of the present invention have been described in detail above.

[0131] <<2. Variant>> Although preferred embodiments of the present invention have been described in detail above with reference to the attached drawings, the present invention is not limited to these examples. It is clear to any person with ordinary skill in the art to which the present invention belongs that various modifications or alterations can be conceived within the scope of the technical idea described in the claims, and these are also understood to fall within the technical scope of the present invention.

[0132] (Unemployed and young people) For example, the above described cases where customer information includes information indicating the customer's employment status, and cases where customer information includes the customer's age. However, customer information may include both information indicating the customer's employment status and the customer's age. In this case, the attention-grabbing condition may include the condition that the information indicating the customer's employment status indicates unemployment, and that the customer's age is below a specified age.

[0133] (Elderly population) Users who have problems with cash advance transactions are not limited to young people. For example, users who have problems with cash advance transactions may be elderly people receiving pensions (e.g., 65 years of age or older). Therefore, when customer information includes the customer's age, the cautionary condition may include the condition that the customer's age is above a certain age (e.g., 65 years of age or older).

[0134] (Trends in changes in usage frequency) Customer information may include trends in the frequency of the customer's use of cash advance transactions. In this case, the alert condition may include the condition that the trend in the frequency of the customer's use of cash advance transactions is increasing. For example, the control unit 120 may determine the frequency of the customer's use of cash advance transactions based on the transaction history 402. The control unit 120 may then determine that the trend in the frequency of use is increasing when the frequency of the customer's use of cash advance transactions increases (for example, when the frequency of the customer's use of cash advance transactions increases from once every two months to once every month).

[0135] (Frequency of use) Customer information may include the frequency of past cash advance transactions by the customer. In this case, the alert condition may include the condition that the frequency of use is above a predetermined frequency. For example, the control unit 120 may determine that the frequency of cash advance transactions by the customer is above the predetermined frequency if the predetermined frequency is once every two months, and the customer's frequency of cash advance transactions is once a month.

[0136] (Trends in changes in outstanding debt) Customer information may include the trend of changes in the outstanding balance based on past cash advance transactions used by the customer. In this case, the alert condition may include the condition that the decrease amount obtained by subtracting the previous outstanding balance amount from the previous outstanding balance amount is less than a predetermined amount. For example, the control unit 120 may calculate the decrease amount as -300,000 yen by subtracting the previous outstanding balance amount of 500,000 yen on 2024 / 08 / 30 from the previous outstanding balance amount of 200,000 yen on 2024 / 07 / 20, which is the outstanding balance amount. If the predetermined amount is 10,000 yen, the control unit 120 may determine that the decrease amount of -300,000 yen is less than the predetermined amount of 10,000 yen.

[0137] (Outstanding debt) Customer information may include outstanding balances based on past cash advance transactions used by the customer. In this case, the alert condition may include the condition that the outstanding balance is equal to or greater than a predetermined amount. For example, if the predetermined amount is 300,000 yen, the control unit 120 may determine, based on the outstanding balance in customer information 401, that the outstanding balance on the most recent date, 2024 / 08 / 30, which was 500,000 yen, is equal to or greater than the predetermined amount of 300,000 yen.

[0138] (Loan amount) Customer information may include the amount borrowed in the customer's past cash advance transactions. In this case, the warning condition may include the condition that the borrowed amount is equal to or greater than a predetermined amount. For example, if the predetermined amount is 250,000 yen, the control unit 120 may determine, based on the transaction history 402, that the most recent borrowed amount, 300,000 yen borrowed on 2024 / 08 / 30, is equal to or greater than the predetermined amount of 250,000 yen.

[0139] (Outstanding transactions) Customer information may include a history of past cash advance transactions in which the customer failed to repay the borrowed amount by the due date (hereinafter also referred to as "overpayment history"). In this case, the warning condition may simply include the condition that the customer has an overpayment history, or it may include the condition that the date of the customer's overpayment history (e.g., transaction date or repayment due date) is within a specified period from the present (e.g., 3 years). Alternatively, customer information may include information indicating whether there are cash advance transactions in which the borrowed amount has not yet been repaid despite the repayment due date having already passed (hereinafter also referred to as "unpaid transactions"). In this case, the warning condition may include the condition that there are unpaid transactions in which the customer has an overpayment history.

[0140] (Information about living organisms) The above primarily described the case where customer identification information is the customer's account number. However, customer identification information can be any information that can identify the customer. For example, customer identification information could be information related to the customer's biometrics.

[0141] For example, if the automated trading device 20 is equipped with a sensor (not shown), the sensor (not shown) may acquire information about the customer's biological characteristics. This information about the customer's biological characteristics may then be provided from the automated trading device 20 to the financial institution host 10. As an example, the sensor (not shown) may be an image sensor, and the information about the customer's biological characteristics may be a facial image obtained by capturing the customer's face with the sensor (not shown).

[0142] For example, it is conceivable that customer information is pre-associated with information about the customer's biological characteristics. In such a case, the control unit 120 may acquire customer information that is associated with biological information that matches or is similar to the information about the customer obtained by a sensor (not shown).

[0143] Alternatively, it is conceivable that customer information may be associated with feature data extracted from the customer's biological information. In such a case, the control unit 120 may extract feature data from the customer's biological information obtained by a sensor (not shown) and acquire customer information associated with feature data that matches or is similar to the extracted feature data.

[0144] (Variable example relating to financial institution host 10) For example, each step in the processing of the financial institution host 10 in this specification does not necessarily have to be processed chronologically in the order described in the flowchart. For example, each step in the processing of the financial institution host 10 may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

[0145] Furthermore, it is possible to create computer programs that enable the hardware built into the financial institution host 10, such as the CPU (Central Processing Unit), ROM (Read Only Memory), and RAM (Random Access Memory), to perform functions equivalent to those of each configuration of the financial institution host 10 described above. A storage medium for storing such computer programs is also provided.

[0146] (Variations relating to the automated trading device 20) For example, each step in the processing of the automated trading device 20 described herein does not necessarily have to be processed chronologically in the order described in the flowchart. For example, each step in the processing of the automated trading device 20 may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

[0147] Furthermore, it is possible to create computer programs that enable the CPU, ROM, RAM, and other hardware built into the automated trading device 20 to perform functions equivalent to those of each component of the automated trading device 20 described above. A storage medium for storing such computer programs is also provided. [Explanation of symbols]

[0148] 1. Trading System 10 Financial Institution Hosts 12 Dedicated net 120 Control Unit 130 Storage section 140 Communications Department 20 Automated trading device 210 Communications Department 22 Display operation section 220 Card reader 23 Control section 230 Passbook reading unit 25 Display section 250 Banknote deposit and withdrawal section 26 card slots 260 Coin deposit and withdrawal section 27 Statement slip outlet 270 Storage section 28 Bill slot 280 Control Unit 29 coin slots 401 Customer information 402 Transaction History 550 Alert screen

Claims

1. A display unit that displays the screen, An operating unit that receives instructions and operations for cash advance transactions from the operator, An acquisition unit that acquires identification information for identifying the operator, When the aforementioned instruction operation is acquired, a control unit controls the display unit so that a predetermined warning screen regarding the cash advance transaction is displayed on the display unit, based on the information regarding the operator corresponding to the identification information satisfying predetermined conditions. A control device equipped with the following features.

2. The information relating to the operator includes information indicating the operator's employment status. The aforementioned predetermined conditions include the condition that the information indicating the employment status indicates unemployment. The control device according to claim 1.

3. The information relating to the operator includes the operator's age, The aforementioned predetermined conditions include the condition that the age is less than a predetermined value. The control device according to claim 1.

4. The information relating to the operator includes the trend of changes in the frequency of the operator's use of cash advance transactions, The aforementioned predetermined conditions include the condition that the trend of change in the frequency of use is increasing. The control device according to claim 1.

5. The information relating to the operator includes the frequency of past cash advance transactions by the operator. The aforementioned predetermined conditions include the condition that the frequency of use is equal to or greater than the predetermined frequency, The control device according to claim 1.

6. The information relating to the operator includes the trend of changes in the outstanding balance based on past cash advance transactions used by the operator. The aforementioned predetermined conditions include the condition that the amount of decrease obtained by subtracting the previous outstanding balance from the current outstanding balance is less than a predetermined amount. The control device according to claim 1.

7. The information relating to the operator includes the outstanding balance based on past cash advance transactions used by the operator. The aforementioned predetermined conditions include the condition that the outstanding debt amount is equal to or greater than a predetermined amount. The control device according to claim 1.

8. The information relating to the operator includes the amount borrowed in past cash advance transactions by the operator, The aforementioned predetermined conditions include the condition that the loan amount is equal to or greater than a predetermined amount. The control device according to claim 1.

9. The control unit controls the display unit so that the predetermined warning screen is displayed on the display unit based on whether the information regarding the operator satisfies the predetermined conditions, and controls the execution of the cash advance transaction. The control device according to claim 1.

10. The aforementioned warning screen includes a button to instruct the execution of the cash advance transaction. The control unit controls the execution of the cash advance transaction based on the fact that the operation of selecting the execution instruction button has been received by the operation unit. The control device according to claim 1.

11. The control unit controls the writing of information related to the cash advance transaction to a predetermined medium after the execution of the cash advance transaction. The control device according to claim 1.

12. The information relating to the aforementioned cash advance transaction includes warnings regarding the aforementioned cash advance transaction. The control device according to claim 11.

13. The information relating to the aforementioned cash advance transaction includes contact information of the person who provided advice regarding the aforementioned cash advance transaction. The control device according to claim 11.

14. The aforementioned warning screen includes a button to instruct the cancellation of the cash advance transaction. The control unit cancels the execution of the cash advance transaction based on the fact that the operation of selecting the cancel instruction button has been received by the operation unit. The control device according to claim 1.

15. The aforementioned identification information is an account number used to identify the account held by the operator. The control device according to claim 1.

16. The aforementioned identification information is information relating to the operator's biological characteristics. The control device according to claim 1.

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