Automated trading device, automated trading system, and automated trading method

Abstract

To curb fraudulent transactions. [Solution] The automated trading device includes a communication unit that receives a communication detection notification indicating that communication or a communication-related operation has been detected in a mobile communication terminal, an approval detection unit that detects approval by a second user for a transaction between a first user and the automated trading device, and a transaction processing unit that processes the transaction with the first user. The transaction processing unit restricts the processing of the transaction with the first user when a communication detection notification is received by the communication unit or approval is not detected by the approval detection unit.

Description

Technical Field

[0001] The present invention relates to an automatic transaction device, an automatic transaction system, and an automatic transaction method.

Background Art

[0002] In recent years, there have been many occurrences of special frauds in which a person is made to trust another through social media and money is transferred from an automatic transaction device (ATM (Automatic Teller Machine)) of a financial institution. In special frauds, the operation of the automatic transaction device is often instructed by communication via a mobile phone and money is transferred.

[0003] Therefore, a technique has been devised to determine whether an operation of an automatic transaction device by a user of a mobile phone is a money transfer related to special fraud based on communication histories such as calls and mails stored in the mobile phone (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, in the above-described conventional technology, an illegal transaction is determined based on the past call history before the operation of the automatic transaction device. Therefore, for example, when the operation of the automatic transaction device is instructed by a call or a mail received during the operation of the automatic transaction device, it is impossible to determine whether it is a money transfer related to special fraud. As described above, the above-described conventional technology was not sufficient for preventing money transfers related to special fraud using an automatic transaction device.

[0006] The present invention has been made in view of such a background, and one of the objects is to suppress illegal transactions.

Means for Solving the Problems

[0007] As one embodiment of solving the above problem, an automated trading device capable of predetermined wireless communication with a mobile communication terminal possessed by a first user comprises: a communication unit that receives a communication detection notification from the mobile communication terminal indicating that communication or an operation related to such communication has been detected on the mobile communication terminal; an approval detection unit that detects approval from a second user different from the first user for a transaction between the first user and the automated trading device; and a transaction processing unit that processes the transaction with the first user, wherein the transaction processing unit restricts the processing of the transaction with the first user when the communication detection notification is received by the communication unit or when the approval detection unit does not detect the approval. [Effects of the Invention]

[0008] According to the present invention, it is possible to suppress fraudulent transactions, such as money transfers related to special fraud using automated trading devices. [Brief explanation of the drawing]

[0009] [Figure 1] A diagram showing the configuration of the automated cash transaction system according to Embodiment 1. [Figure 2A] A sequence diagram showing the automated cash transaction process according to Embodiment 1. [Figure 2B] A sequence diagram showing the automated cash transaction process according to Embodiment 1. [Figure 2C] A sequence diagram showing the automated cash transaction process according to Embodiment 1. [Figure 2D] A sequence diagram showing the automated cash transaction process according to Embodiment 1. [Figure 3] An explanatory diagram illustrating the connection between a user terminal and an automated teller machine using UWB according to Embodiment 1. [Figure 4] A diagram showing the authentication completion screen on a user terminal according to Embodiment 1. [Figure 5] A diagram showing various screens related to the continuous authentication mode on a user terminal according to Embodiment 1. [Figure 6]Figure showing the screen for searching for an automated teller machine in the user terminal according to Embodiment 1 and the screen for searching for a cash user terminal in the automated teller machine. [Figure 7] Figure showing the cashless transaction mode screen in the automated teller machine according to Embodiment 1. [Figure 8] Figure showing the screen indicating that the cashless transaction mode is not available in the automated teller machine according to Embodiment 1. [Figure 9] Figure showing the screen for detecting communication during a transaction in the automated teller machine according to Embodiment 1. [Figure 10] Figure showing the warning screen for a transaction during communication in the automated teller machine according to Embodiment 1. [Figure 11] Figure showing the transaction screen with a third-party authentication request display in the automated teller machine according to Embodiment 1. [Figure 12] Figure showing the screen for detecting a third party accompanying in the automated teller machine according to Embodiment 1. [Figure 13] Figure showing the third-party approval request screen in the automated teller machine according to Embodiment 1. [Figure 14] Figure showing the third-party approval acquisition screen in the automated teller machine according to Embodiment 1. [Figure 15] Figure showing the pre-operation registration process in the cash transaction device according to Embodiment 1. [Figure 16] Figure showing the configuration of the automated teller machine system according to Embodiment 2. [Figure 17] Figure showing the entry process in the entrance / exit gate system according to Embodiment 3.

Embodiments for Carrying Out the Invention

[0010] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the following embodiments, a cash automatic transaction system including a cash automatic transaction device (ATM (Automatic Teller Machine)) for a transaction related to cash will be described as an example. However, the present invention can be applied not only to cash automatic transaction devices but also to terminals used by an unspecified number of users. Specifically, the present invention can be applied to various automatic procedure systems such as an entrance / exit gate system, an automatic check-in system, a reception system, a settlement management system, and the like.

[0011] [Embodiment 1] (Configuration of the cash automatic transaction system S according to Embodiment 1) FIG. 1 is a diagram showing the configuration of a cash automatic transaction system S according to Embodiment 1. The cash automatic transaction system S includes a user terminal 1, a cash automatic transaction device 2, a third-party terminal 3, and a beacon device 4. The cash automatic transaction device 2 is an example of an automatic procedure device. In this Embodiment 1, in addition to the short-range wireless communication unit 24 of the cash automatic transaction device 2, a beacon device 4 is used. However, even without using the beacon device 4, fraudulent transactions can be suppressed using the cash automatic transaction system S.

[0012] The user terminal 1 is a mobile communication terminal held by a user h capable of mobile communication via a base station NE such as a smartphone. The user terminal 1 also receives a beacon signal transmitted from the beacon device 4 or the short-range wireless communication unit 24 according to a communication standard of UWB (Ultra Wide Band), BLE (Bluetooth (registered trademark) Low Energy), or wireless LAN. The beacon device 4 may be an access point of a wireless LAN.

[0013] The user terminal 1 has a predetermined application (hereinafter referred to as "authentication application") corresponding to a transaction with a financial institution using the cash automatic transaction device 2 installed therein. The user terminal 1 includes a control unit 11, a memory 12, a storage unit 13, a short-range wireless communication unit 14, a mobile communication unit 15, an input / output unit 16, and a biometric information acquisition unit 17.

[0014] The control unit 11 is a processor that implements the cooperation processing unit 11a, registration unit 11b, authentication unit 11c, motion detection unit 11d, communication detection unit 11e, and operation pre-registration unit 11f through program execution. The memory 12 executes the program in cooperation with the control unit 11.

[0015] The coordinating processing unit 11a establishes UWB communication cooperation with the ATM 2. Note that the communication connection method between the user terminal 1 and the ATM 2 is not limited to UWB; other communication methods such as Bluetooth®, Wi-Fi®, and NFC (Near Field Communication) may also be used.

[0016] The registration unit 11b accepts the user h's account information 13a during the initial setup of the user terminal 1 and registers it in the storage unit 13. The registration unit 11b also registers the user h's biometric information obtained via the biometric information acquisition unit 17 in the storage unit 13 as verification biometric information 13b. The registration unit 11b also registers the personal information of a third party h1 trusted by user h in the storage unit 13 as third-party information 13c. In addition, depending on the ATM 2 selected by user h for transactions, the registration unit 11b registers a device identification information list 13d in the storage unit 13 that stores the identification information and / or location information of the selected ATM 2.

[0017] The authentication unit 11c authenticates user h based on the biometric information of user h acquired by the biometric information acquisition unit 17 during authentication and the matching biometric information 13b. The authentication unit 11c then registers the authentication result (authentication OK) and the identification information of user h, who has been authenticated OK, as user authentication information 13e in the storage unit 13.

[0018] The motion detection unit 11d detects that someone other than user h is possessing the user terminal 1 based on the movement (including tilt and vibration) of the user terminal 1 acquired by the camera (e.g., the biometric information acquisition unit 17).

[0019] The communication detection unit 11e detects incoming and outgoing mobile communications performed by the mobile communication unit 15. The operation pre-registration unit 11f receives in advance the operations that user h will perform with the ATM 2 during a transaction, at a location away from the ATM 2, and registers them in the storage unit 13 as operation pre-registration information 13f.

[0020] The memory unit 13 is a non-volatile storage device that stores account information 13a, biometric information for verification 13b, third-party information 13c, device identification information list 13d, user authentication information 13e, and operation pre-registration information 13f.

[0021] The short-range wireless communication unit 14 is a communication device for the user terminal 1 to communicate with the ATM 2 using UWB. The communication method between the user terminal 1 and the ATM 2 is not limited to UWB; other wireless communication methods may also be used. To establish a one-to-one connection between the user terminal 1 and the ATM 2, it is more preferable to use a short-range wireless communication method with a communication range equivalent to UWB or BLE. If the communication range is only a few centimeters, it would be necessary to move the user terminal 1 closer to the ATM 2. However, by using UWB communication or Bluetooth® communication, it becomes possible to complete the procedure without operating the user terminal 1 in front of the ATM 2.

[0022] The short-range wireless communication unit 14 also receives beacon signals transmitted from the beacon device 4.

[0023] The mobile communication unit 15 is a communication device for the user terminal 1 to communicate with other mobile phone terminals and computers via the base station NE and the network. The input / output unit 16 includes an input device such as a touch panel and an output device such as a display.

[0024] The biometric information acquisition unit 17 acquires the biometric information of user h. In this embodiment, the biometric information is a facial image, and the biometric information acquisition unit 17 is a camera that acquires the facial image. However, the biometric information is not limited to the face; it may also be other biometric information such as finger veins, palm veins, palm print, iris, auricle, voiceprint, fingerprint, etc. In this case, the biometric information acquisition unit 17 becomes a device corresponding to each type of biometric information.

[0025] The automated cash transaction device 2 includes a control unit 21, a memory 22, a storage unit 23, a short-range wireless communication unit 24, a communication unit 25, an input / output unit 26, and a biometric information acquisition unit 27. The automated cash transaction device 2 also has mechanisms for processing banknotes, coins, passbooks, certificates, cash cards, etc., but these are omitted in this embodiment.

[0026] The control unit 21 is a processor that implements the cooperation processing unit 21a, authentication unit 21b, transaction processing unit 21c, face detection unit 21d, and third-party approval detection unit 21e through program execution. The memory 22 is a storage device that executes programs in cooperation with the control unit 21.

[0027] The authentication unit 21b authenticates user h when the automated cash transaction device 2 is used, based on the biometric information of user h acquired by the biometric information acquisition unit 17 and the verification biometric information 13b received from the user terminal 1.

[0028] The transaction processing unit 21c processes transactions between the automated cash transaction device 2 and user h, and sends and receives data related to cash transactions with user h to and from the accounting host (not shown) of a financial institution connected via the accounting network (not shown).

[0029] The face detection unit 21d acquires facial images of people present in front of or near the ATM 2 via the biometric information acquisition unit 27 and identifies the facial image to be matched with the matching biometric information 23b. If the acquired image contains multiple faces, the face detection unit 21d identifies the facial image of the user h closest to the ATM 2 among the multiple user terminals 1 based on the size of the faces included in the acquired image, the position of the faces in the acquired image, etc., and preferentially matches the identified facial image with the matching biometric information 23b. For example, it is preferable to identify the largest face included in the acquired image or the face located in the center of the field of view as the user closest to the ATM. Furthermore, since face size is thought to correlate with height, it is even more preferable to select the facial image to be matched preferentially based on the relative magnitudes of the values ​​obtained by multiplying the face size by a height coefficient estimated using the acquired image.

[0030] Furthermore, the face detection unit 21d detects the face of a different user from user h by comparing the acquired face image with the matching biometric information 23b. When the transaction processing unit 21c detects that the face of a person in the ATM 2, which is constantly monitored by the face detection unit 21d, is different from that of user h (low degree of match), it restricts the processing of the transaction in the ATM 2.

[0031] The third-party approval detection unit 21e detects whether user h is accompanied by a trusted third party h1 based on the facial image of user h obtained via the biometric information acquisition unit 27. The third-party approval detection unit 21e also detects when third party h1 requests approval of user h's transaction via a third-party terminal 3 held by third party h1, and receives the transaction approval entered by third party h1 from the third-party terminal 3.

[0032] The memory unit 23 is a non-volatile storage device that stores device identification information 23a, biometric information for verification 23b, third-party information 23c, and user authentication information 23e.

[0033] The short-range wireless communication unit 24 is a communication device for the ATM 2 to communicate with the user terminal 1 using UWB. As described above, the communication method between the user terminal 1 and the ATM 2 is not limited to UWB; other wireless communication methods such as BLE, NFC, and Wi-Fi may also be used. The communication unit 25 is a communication device for the ATM 2 to communicate with computer devices, etc., via the network N. The input / output unit 26 includes an input device such as a touch panel and an output device such as a display.

[0034] The biometric information acquisition unit 27 acquires the biometric information of user h who conducts transactions with the automated cash transaction device 2. The biometric information acquired by the biometric information acquisition unit 27 is the same as the biometric information acquired by user terminal 1, and in this embodiment, it is a facial image.

[0035] Third-party terminal 3, like user terminal 1, is a smartphone, tablet, or similar device capable of mobile communication via base station NE. Installation of an authentication application is not required for third-party terminal 3.

[0036] (Automated cash transaction processing according to Embodiment 1) Figures 2A to 2D are sequence diagrams showing the automated cash transaction process according to Embodiment 1.

[0037] Steps S101 to S104 in Figure 2A represent the pre-registration process for user h before using the ATM 2 at user terminal 1. At the time of execution of the pre-registration process, the authentication application is already installed on user terminal 1. The pre-registration process is executed after the authentication application is launched, following the guidance of the authentication application.

[0038] First, in step S101, the registration unit 11b of the user terminal 1 registers account information 13a, including the name of user h, account number, password, PIN, etc., which has been entered by user h via the input / output unit 16, into the storage unit 13.

[0039] Next, in step S102, the registration unit 11b of the user terminal 1 acquires the user h's facial image via the biometric information acquisition unit 17 and registers it in the storage unit 13 as matching biometric information 13b. Next, in step S103, the registration unit 11b of the user terminal 1 registers in the storage unit 13 the third-party information 13c, which includes the facial image of a third party h1 trusted by user h, the identification information of the third-party terminal 3 possessed by the third party h1, and contact information, etc., input by user h via the input / output unit 16. Contact information includes telephone number, email address, social media (SNS) ID, etc. If the user does not wish to have the approval of a trusted third party at the time of the transaction, steps S103, steps S213 to S215 and steps S119 to S120 described later can be omitted.

[0040] Next, in step S104, the registration unit 11b of the user terminal 1 registers the identification information and / or location information of the ATM 2 selected by user h and used by user h via the input / output unit 16 in the storage unit 13 as an ATM identification information list 13d. For example, based on the location information of the user terminal, the ATM 2 installed at that location is considered to be an ATM 2 that is frequently used and is registered as an ATM identification information list 13d.

[0041] The identification information and location information of the ATM 2 listed in the device identification information list 13d are not limited to those selected by user h, but may also be those transmitted by beacon signals from the beacon device 4 associated with the ATM 2. Instead of the beacon device 4, a sensor capable of detecting the user terminal 1 or a Wi-Fi® communication device may be used.

[0042] The next steps, S105-S107, are the authentication process for user h when using the ATM 2 at user terminal 1.

[0043] In step S105, the authentication unit 11c of the user terminal 1 acquires the biometric information of user h via the biometric information acquisition unit 17 and performs user authentication of user h based on the match between the acquired biometric information and the matching biometric information 13b. In this specification, "match" during user authentication means that the match rate is equal to or greater than a predetermined value. Next, in step S106, if the authentication unit 11c of the user terminal 1 determines that the authentication result of the user authentication in step S105 is OK, where the biometric information and the matching biometric information 13b match (step S106YES), it moves the process to step S107. On the other hand, if the authentication unit 11c of the user terminal 1 determines that the authentication result of the user authentication in step S105 is NG, where the biometric information and the matching biometric information 13b do not match (step S106NO), it returns the process to step S105.

[0044] In step S107, the authentication unit 11c of the user terminal 1 transitions to a continuous authentication mode in which it continuously transmits personal authentication information 13e indicating that the user authentication in step S105 is OK to the ATM 2 from the user terminal 1. The transition to the continuous authentication mode is triggered, for example, after authentication is determined to be OK in step S106, when it is determined that a certain proximity state is maintained between the user terminal 1 and user h based on location information, such as when the user terminal 1 is placed in the pocket of user h's clothing.

[0045] The next steps, S108-S111, are the continuous authentication process when using the ATM 2 on the user terminal 1. Steps S108-S111 are executed repeatedly until the authentication application is terminated.

[0046] First, in step S108, the authentication unit 11c of the user terminal 1 determines whether continuous authentication is OK. Continuous authentication OK means that a certain proximity state with user h is detected, and the motion detection unit 11d does not detect any behavior of another person other than user h. The motion detection unit 11d monitors the behavior of the person possessing the user terminal 1 based on the movement of the user terminal and detects behavior different from that of user h, the original owner of the user terminal 1. If continuous authentication is OK (step S108 YES), the authentication unit 11c of the user terminal 1 repeats step S108, and if continuous authentication is NG (step S108 NO), it moves to step S109. If continuous authentication is NG, instead of moving to step S109, control such as restricting transactions may be performed.

[0047] In step S109, the authentication unit 11c of the user terminal 1 cancels the continuous authentication mode and outputs a warning or a display prompting user authentication via the input / output unit 16. Also, if there is an automated teller machine 2 with which short-range wireless communication cooperation has been established, the authentication unit 11c of the user terminal 1 transmits a continuous authentication NG to the automated teller machine 2. When the automated teller machine 2 receives the authentication NG from the user terminal 1, it cancels the transaction with the user h who was flagged as having failed continuous authentication.

[0048] Next, in step S110, the authentication unit 11c of the user terminal 1 performs user authentication (user re-authentication) in the same manner as in step S105. Then, in step S111, the authentication unit 11c of the user terminal 1 moves to step S108 if the biometric information obtained in step S110 matches the matching biometric information 13b (step S110 YES), in the same manner as in step S106. On the other hand, the authentication unit 11c of the user terminal 1 returns to step S110 if the biometric information obtained in step S110 does not match the matching biometric information 13b (step S111 NO).

[0049] Steps S112 and later in Figure 2B are executed in parallel with steps S108 to S111. In step S112, the cooperation processing unit 11a of user terminal 1 searches for whether an ATM 2 exists within a predetermined range that the short-range wireless communication unit 14 can cooperate with. Meanwhile, in step S201, the cooperation processing unit 21a of ATM 2 determines whether a user terminal 1 in continuous authentication mode exists within a predetermined range that the short-range wireless communication unit 24 can cooperate with. If a user terminal 1 in continuous authentication mode exists within the predetermined range (step S201 YES), the cooperation processing unit 21a of ATM 2 moves to step S202. If there are multiple user terminals 1 in continuous authentication mode within the predetermined range that the short-range wireless communication unit 24 can cooperate with, the user terminal 1 closest to ATM 2 or a pre-set location is connected first. Meanwhile, the linkage processing unit 21a of the ATM 2 repeats step S201 if there is no user terminal 1 in continuous authentication mode within a predetermined range (step S201NO).

[0050] Next, in step S202, the linkage processing unit 21a of the ATM 2 initiates short-range wireless communication with the linkage processing unit 11a of the user terminal 1, which was determined to exist in step S201. Next, in step S203, the linkage processing unit 21a of the ATM 2 transmits the identification information and / or location information of the ATM 2 to the user terminal 1 with which it initiated short-range wireless communication in step S202.

[0051] Next, in step S113, the cooperation processing unit 11a of the user terminal 1 checks the identification information and / or location information of the ATM 2 received from the ATM 2. That is, it determines whether the received identification information and / or location information is stored in the device identification information list 13d.

[0052] The linkage processing unit 11a of user terminal 1 moves to step S114 if the received identification information and location information are stored in the device identification information list 13d (step S113YES). On the other hand, if step S113NO, the linkage processing unit 11a of user terminal 1 moves to perform a normal transaction with the ATM 2 instead of a cash cardless transaction using user terminal 1. A cash cardless transaction is a transaction with the ATM 2 that is completed with only user terminal 1, without bringing any cash cards or other items required for the transaction with the ATM 2.

[0053] In addition, step S113 may involve sending the device identification information list 13d from the user terminal 1 to the ATM 2, and the ATM 2 may then verify whether the device identification information list 13d contains the identification information and / or location information of the ATM 2.

[0054] In step S114, the linkage processing unit 11a of the user terminal 1 transmits the user h's biometric information 13b, third-party information 13c, and personal authentication information 13e, which are stored in the storage unit 13, to the ATM 2. When the ATM 2 receives the biometric information 13b, third-party information 13c, and personal authentication information 13e transmitted from the user terminal 1 in step S114, it stores them in the storage unit 23 as biometric information 23b, third-party information 23c, and personal authentication information 23e, respectively.

[0055] Next, in step S204, the authentication unit 21b of the ATM 2 acquires the biometric information of user h via the biometric information acquisition unit 27 and performs user authentication of user h by comparing the acquired biometric information with the matching biometric information 13b transmitted from the user terminal 1. If a face image is used as the biometric information and the acquired biometric information (image) contains multiple faces, the face detection unit 21d identifies the face image to be matched preferentially. In step S205, which will be described later, if authentication is determined to be NG, user authentication is performed by comparing the other face images included in the acquired biometric information (image) with the matching biometric information 13b. If all face images included in the acquired biometric information (image) do not match the matching biometric information 13b, the transaction is canceled.

[0056] Next, in step S205, the authentication unit 21b of the ATM 2 determines the user authentication result from step S204. That is, if the authentication unit 21b of the ATM 2 determines that the biometric information obtained in step S204 matches the matching biometric information 13b and that user h is a genuine user, and therefore authentication is OK (step S205 YES), it proceeds to step S206. On the other hand, if the authentication unit 21b of the ATM 2 determines that the biometric information obtained in step S204 does not match the matching biometric information 13b and that user h is not a genuine user, and therefore authentication is NG (step S205 NO), it cancels the transaction with user h.

[0057] In step S206, the authentication unit 21b of the ATM 2 switches to a cash cardless transaction mode, which allows cash cardless transactions as long as it receives continuous authentication information OK from the user terminal 1 that initiated short-range wireless communication.

[0058] Next, in step S207 of Figure 2C, the transaction processing unit 21c of the ATM 2 receives a transaction request (for example, a bank transfer in this embodiment) via the input / output unit 26. Next, in step S208, the transaction processing unit 21c of the ATM 2 requests the user terminal 1 to send personal authentication information 13e. Next, in step S115, the authentication unit 11c of the user terminal 1 reads the user's personal authentication information 13e requested from the ATM 2 from the storage unit 13 and transmits it.

[0059] Next, in step S116, the communication detection unit 11e of the user terminal 1 determines whether it has detected an incoming call or communication such as a phone call, email, or chat, or an action related to communication such as phonebook operation (communication preparation) on the user terminal 1. If the communication detection unit 11e of the user terminal 1 detects an incoming call, communication, or communication preparation, it moves to step S117. On the other hand, if the communication detection unit 11e of the user terminal 1 does not detect any incoming calls, communication, or communication preparation (step S116NO), it moves to step S118. In detecting communication or actions related to communication in step S116, it is also possible to detect only incoming calls or communication or actions related to communication from unregistered phone numbers or email addresses, and not detect incoming calls or communication from pre-registered phone numbers or email addresses.

[0060] Step S116 is executed repeatedly in parallel with other processes after the execution of step S115 until the transaction with the ATM 2 is completed. Step S116 may also be executed only if the transfer received in step S207 is a transfer of a predetermined amount or more.

[0061] In step S117, the communication detection unit 11e of the user terminal 1 sends a communication detection notification to the ATM 2 indicating that it has detected an incoming call, communication, or communication preparation as detected in step S116.

[0062] Next, in step S209, when the transaction processing unit 21c of the automated cash transaction machine 2 receives a communication detection notification from the user terminal 1, it outputs a warning from the input / output unit 26. Next, in step S210, the transaction processing unit 21c of the automated cash transaction machine 2 determines whether the warning displayed in step S209 has been displayed for a certain period of time. If the warning has been displayed for a certain period of time (step S210 YES), the transaction processing unit 21c of the automated cash transaction machine 2 cancels the transaction in question. On the other hand, if the warning display has not reached the required period of time (step S210 NO), the transaction processing unit 21c of the automated cash transaction machine 2 repeats step S211.

[0063] The warning output may also be a screen display or voice guidance. In this embodiment, an example is shown in which a transaction is canceled when a warning is displayed for a certain period of time. However, if the ATM 2 receives a communication detection notification from the user terminal indicating that it has detected an incoming call, communication, or communication preparation as detected in step S116, it may also be configured to cancel the transaction, notify the staff of the ATM 2, or present additional conditions for continuing the transaction, instead of issuing a warning.

[0064] Meanwhile, in step S118, the communication detection unit 11e of the user terminal 1 sends a communication non-detection notification to the ATM 2 indicating that it has not detected any incoming call, communication, or communication preparation in the mobile communication unit 15.

[0065] Next, in step S211, the transaction processing unit 21c of the automated cash transaction device 2 determines whether the warning display shown on the input / output unit 26 in step S209 is still being displayed. If the warning display is still being displayed (step S211 YES), the transaction processing unit 21c of the automated cash transaction device 2 moves to step S212. On the other hand, if the warning display has been cleared from the input / output unit 26 (step S211 NO), the transaction processing unit 21c of the automated cash transaction device 2 moves to step S213 in Figure 2D.

[0066] Next, in step S213 of Figure 2D, the transaction processing unit 21c of the ATM 2 determines whether the transfer received in step S207 is a transfer of a predetermined amount (for example, 100,000 yen) or more. A transfer of 100,000 yen is an example of a high-value transaction. If the transfer is of a predetermined amount or more (step S213 YES), the transaction processing unit 21c of the ATM 2 moves the process to step S214. On the other hand, if the transfer is less than the predetermined amount (step S213 NO), the transaction processing unit 21c of the ATM 2 switches the process to perform a normal transaction that is not a cash cardless transaction, and then moves the process to step S121.

[0067] In step S214, the third-party authorization detection unit 21e of the ATM 2 determines whether a third party h1, who is registered in the trusted third-party information 13c of user h conducting a transaction at the ATM 2, is accompanying user h. The third-party authorization detection unit 21e determines that user h is accompanied by a third party h1 if a third party terminal 3 corresponding to the identification information contained in the third party information 13c received from user terminal 1 in step S113 is within a predetermined range of the ATM 2. Alternatively, the third-party authorization detection unit 21e acquires a facial image of a person near user h conducting the transaction using a camera (biometric information acquisition unit 27), and determines that user h is accompanied by a third party h1 if it matches the facial image of third party h1 contained in the third party information 13c.

[0068] The third-party authorization detection unit 21e of the ATM 2 transitions to a normal transaction if a third party h1 is present (step S214YES), and then proceeds to step S121. On the other hand, if the third party h1 is not present (step S214NO), the third-party authorization detection unit 21e of the ATM 2 proceeds to step S215.

[0069] In step S215, the third-party approval detection unit 21e of the ATM 2 sends a third-party approval request to the user terminal 1, requesting the third party h1 to send a transaction approval request from user h in the ATM 2.

[0070] Next, in step S119, the cooperation processing unit 11a of the user terminal 1 sends a third-party approval request to the third-party terminal 3, requesting third-party h1 to approve the transaction of user h in the ATM 2, based on the third-party approval request received from the ATM 2. The means by which the user terminal 1 sends the third-party approval request to the third-party terminal 3 may be an authentication application, or various existing communication methods such as SMS (Short Message Service) or SNS (Social Networking Service).

[0071] In this embodiment 1, we showed an example where a third-party approval request is required in step S212 when the transfer amount exceeds a predetermined amount. However, it is also possible to require a third-party approval request not only for high-value transactions, but also for any transactions designated by the user, a trusted third party set up by the user, and the financial institution.

[0072] Next, in step S301, the cooperation processing unit 11a of the third-party terminal 3 sends to the user terminal 1 whether the third party h1 approves (third-party approval OK) or disapproves (third-party approval NG) the transaction of user h based on the third-party approval request received from the user terminal 1. The means by which the third-party terminal 3 sends third-party approval OK and third-party approval NG to the user terminal 1 may be an authentication application or various existing communication means such as SMS or SNS.

[0073] Next, in step S120, the integration processing unit 11a of user terminal 1 determines whether it has received a third-party approval OK from third-party terminal 3. If the integration processing unit 11a of user terminal 1 has received a third-party approval OK (step S120 YES), it proceeds to step S121. On the other hand, if the integration processing unit 11a of user terminal 1 has received a third-party approval NG (step S120 YES), it cancels the transaction with user h.

[0074] One method to suppress fraudulent transactions is to detect the operation of the user terminal using images captured by a camera installed in the ATM 2. However, there are cases where the user terminal 1 cannot be detected, such as when making a hands-free call using earphones. The invention according to Embodiment 1 can detect the call status of the user terminal 1 even when making a hands-free call.

[0075] In step S121, the linkage processing unit 11a of the user terminal 1 reads account information 13a, including the PIN, from the storage unit 13 and transmits it to the ATM 2.

[0076] Next, in step S216, the transaction processing unit 21c of the ATM 2 executes the processing of a transaction (a transfer in this embodiment) based on the account information transmitted from the user terminal 1 or the account information directly entered into the ATM 2 by the user.

[0077] Furthermore, the restrictions on transaction processing at the automated cash transaction machine 2 in the above-mentioned automated cash transaction processing are not limited to the cancellation of transactions at the automated cash transaction machine 2, but also include warning displays and voice guidance output at the automated cash transaction machine 2, notification to the staff of the automated cash transaction machine 2, presentation of additional conditions for continuing the transaction, and transition to a normal transaction using a cash card.

[0078] (Connection between user terminal 1 and ATM 2 using UWB according to Embodiment 1) Figure 3 is an explanatory diagram illustrating the connection between a user terminal 1 and an automated cash transaction device 2 using a UWB according to Embodiment 1.

[0079] In this embodiment, UWB is used for communication between the user terminal 1 and the ATM 2, and the connection distance of UWB communication is limited. Furthermore, only user terminals 1 with an authentication application installed that supports transactions with financial institutions using the ATM 2 can connect to the ATM 2. In other words, the ATM 2 communicates with user terminals 1 that are within a predetermined range from the ATM 2 and have a predetermined application.

[0080] Specifically, one or more user terminals 1 located within a connection range R1 at a certain distance from the ATM 2 can authenticate the user who owns the user terminal 1, but cannot operate the ATM 2. Users who own user terminals 1 located within the connection range R1 are users waiting in line to use the ATM 2.

[0081] On the other hand, a single user terminal 1 located within the usage range R2, which is closer to the ATM 2 than the connection range R1, can authenticate the user who possesses user terminal 1, and if authentication is successful, it can operate the ATM 2.

[0082] (Authentication completion screen 16D1 related to Embodiment 1) Figure 4 shows the authentication completion screen 16D1 on the user terminal 1 according to Embodiment 1. The authentication completion screen 16D1 is displayed on the display of the input / output unit 16 of the automated cash transaction processing. The authentication completion screen 16D1 indicates that user h has been authenticated OK (step S106 YES) after inputting account information, biometric information, third-party information, and identification information of the automated cash transaction device 2 in steps S101 to S105 (Figure 2A), and user authentication based on the input information.

[0083] (Various screens of the continuous authentication mode according to Embodiment 1) Figure 5 is a diagram showing various screens related to the continuous authentication mode in the user terminal 1 according to Embodiment 1. Figure 5(a) is the continuous authentication mode screen 16D2 that is displayed on the display of the input / output unit 16 of the user terminal 1 from the time user h completes user authentication at the user terminal 1 until user h arrives at the installation corner of the ATM 2. When the user terminal 1 transitions to continuous authentication mode triggered by step S107 (Figure 2A), the continuous authentication mode screen 16D2 is displayed on the display of the input / output unit 16 of the user terminal 1.

[0084] Figure 5(b) shows the continuous authentication mode deactivation warning screen 16D3 that is displayed on the display of the input / output unit 16 of the user terminal 1 when the continuous authentication mode is deactivated following step S109 (Figure 2A). As long as the continuous authentication mode deactivation warning screen 16D3 is displayed on the display of the input / output unit 16 of the user terminal 1, user h, who possesses the user terminal 1, cannot conduct transactions with the ATM 2.

[0085] Figure 5(c) shows the user re-authentication request screen 16D4 displayed on the input / output unit 16 of the user terminal 1, which is triggered by step S110 (Figure 2A) and requests user h to re-authenticate. When user re-authentication is successful, the display on the input / output unit 16 of the user terminal 1 transitions from the user re-authentication request screen 16D4 to the continuous authentication mode screen 16D2.

[0086] (Screen 16D5 of the automated cash transaction device search and screen 16D5 of the cash user terminal search according to Embodiment 1) Figure 6 shows the ATM search screen 16D5 on the user terminal 1 and the user terminal search screen 26D1 on the ATM 2 according to Embodiment 1. The ATM search screen 16D5 is displayed on the display of the input / output unit 16 of the user terminal 1 while the user terminal 1 is searching for an ATM 2 that can communicate via UWB communication in step S112 (Figure 2B). The user terminal search screen 26D1 is displayed on the display of the input / output unit 26 of the ATM 2 while the ATM 2 is searching for a user terminal 1 that can communicate via UWB communication in step S201 (Figure 2B).

[0087] (Screen 26D2 of the cash cardless transaction mode in the automated cash transaction device 2 according to Embodiment 1) Figure 7 shows the cash cardless transaction mode screen 26D2 in the ATM 2 according to Embodiment 1. The cash cardless transaction mode screen 26D2 is displayed on the display of the input / output unit 26 of the ATM 2 when the ATM 2 switches to cash cardless transaction mode via UWB communication in step S206 (Figure 2B).

[0088] (Screen 26D3 showing the inability to use cash cardless transaction mode in the automated cash transaction device according to Embodiment 1) Figure 8 shows the cash cardless transaction mode unavailable screen 26D3 in the ATM 2 according to Embodiment 1. The cash cardless transaction mode unavailable screen 26D3 is displayed on the display of the input / output unit 26 of the ATM 2 when step S205NO (Figure 2B) is performed.

[0089] (Transaction communication detection screen 26D4 according to Embodiment 1) Figure 9 shows the transaction communication detection screen 26D4 in the automated cash transaction device 2 according to Embodiment 1. The transaction communication detection screen 26D4 is displayed in step S209 (Figure 2C) on the display of the input / output unit 26 of the automated cash transaction device 2 in response to the detection of communication in the user terminal 1 in step S117 (Figure 2C).

[0090] (Transaction warning screen 26D5 according to Embodiment 1) Figure 10 shows the communication in progress trading warning screen 26D5 in the automated cash transaction device 2 according to Embodiment 1. The communication in progress trading warning screen 26D5 is a transaction screen transitioned from the transaction communication detection screen 26D4 (Figure 9), and is displayed as a warning on the display of the input / output unit 26 of the automated cash transaction device 2 because user h continues the transaction despite communication being detected.

[0091] (Transaction screen 26D6 related to Embodiment 1) Figure 11 shows the transaction screen 26D6 in the automated cash transaction device 2 according to Embodiment 1. The transaction screen 26D6 is displayed on the display of the input / output unit 26 of the automated cash transaction device 2, and the automated cash transaction device 2 accepts transaction operations (transfers in this embodiment) by user h. When the transaction screen 26D6 detects an operation for a specific transaction requiring third-party approval (a transfer of 100,000 yen or more in this embodiment) in step S213 (Figure 2D), the message "If you are making a large transfer by yourself, approval from a trusted third party is required." is added to the display.

[0092] (Third-party presence detection screen 26D7 according to Embodiment 1) Figure 12 shows the third-party accompaniment detection screen 26D7 in the automated cash transaction device 2 according to Embodiment 1. The third-party accompaniment detection screen 26D7 is displayed on the display of the input / output unit 26 of the automated cash transaction device 2 when the accompaniment or approval of a third party h1 to user h is detected (step S214YES (Figure 2D)) in a specific transaction that requires the accompaniment or approval of a third party h1. The third-party accompaniment detection screen 26D7 is displayed after transitioning from the transaction screen 26D6 (Figure 11).

[0093] (Screen 26D8 for requesting third-party approval related to Embodiment 1) Figure 13 shows the third-party approval request screen 26D8 in the automated cash transaction device 2 according to Embodiment 1. The third-party approval request screen 26D8 is displayed on the display of the input / output unit 26 of the automated cash transaction device 2 when the presence or approval of a third party h1 is not detected in a transaction that requires the presence or approval of a third party h1 (step S214NO (Figure 2D)). The third-party approval request screen 26D8 is displayed after transitioning from the transaction screen 26D6 (Figure 11). The third-party approval request screen 26D8 indicates to the user h that approval is required from the third party h1, whose third-party information 13c has been pre-registered in the storage unit 13 of the user terminal 1.

[0094] (Screen 26D9 for obtaining third-party approval related to Embodiment 1) Figure 14 shows the third-party approval acquisition screen 26D9 in the automated cash transaction device 2 according to Embodiment 1. The third-party approval acquisition screen 26D9 is displayed on the display of the input / output unit 26 of the automated cash transaction device 2 after transitioning from the third-party approval request screen 26D8 (Figure 13) when approval from a third party h1 is requested and approval is obtained from the third party h1 (step S120 YES (Figure 2D)). The third-party approval acquisition screen 26D9 indicates to user h that approval has been obtained from the third party h1.

[0095] (Pre-registration process for operations in the automated cash transaction device 2 according to Embodiment 1) Figure 15 shows the pre-registration process for operations in the automated cash transaction device 2 according to Embodiment 1. First, in step S401, the user terminal 1 receives pre-settings of operations that user h will perform on the automated cash transaction device 2. Specifically, the pre-registration unit 11f of the user terminal 1 receives in advance the operation details such as withdrawal, withdrawal amount, fee display, and confirmation button after user h has logged into the authentication application with their user account, account number, and PIN. The pre-registration unit 11f of the user terminal 1 then registers the received operation details as pre-registration information 13f in the storage unit 13. Step S401 is executed between steps S106 and S107 (Figure 2A).

[0096] Next, in step S402, the ATM 2 performs user authentication. Specifically, the authentication unit 21b of the ATM 2 acquires an image of the face brought close to the biometric information acquisition unit 27 to authenticate the user, and if user authentication is successful, accepts the input of a PIN via the touch keyboard of the input / output unit 26. Step S402 corresponds to step S204 (Figure 2B).

[0097] Next, in step S403, the transaction processing unit 21c of the automated cash transaction device 2 automatically executes operations according to the pre-registered operation information 13f entered in step S401. The transaction processing unit 21c of the automated cash transaction device 2 requests confirmation from the user h for each process, accepts the input of the confirmation result, and executes the transaction. Step S403 corresponds to step S216 (Figure 2D).

[0098] (Modified version of Embodiment 1) 1. An automated cash transaction machine that enables cash cardless transactions. In Embodiment 1, an automated cash transaction device 2 in which identification information and / or location information is registered in the device identification information list 13d enables the aforementioned cash cardless transactions. However, an automated cash transaction device 2 capable of cash cardless transactions is not limited to an automated cash transaction device 2 in which identification information and / or location information is registered in the device identification information list 13d.

[0099] The system stores identification information and / or location information of ATMs 2 that are frequently used by user h, who possesses user terminal 1, based on the connection history between user terminal 1 and the wireless LAN access point installed around ATM 2. Alternatively, it stores identification information and / or location information of ATMs 2 that are frequently used by user h, who possesses user terminal 1, based on the location information history of user terminal 1 when using ATM 2. User h may be permitted to make cashless transactions at ATMs 2 for which identification information and / or location information is stored in this manner, and not permitted to make cashless transactions at ATMs 2 for which this information is not stored.

[0100] 2. Conditions under which cashless transactions are possible In Embodiment 1, the system transitions to the continuous authentication mode, which is a prerequisite for cashless transactions, on the condition that user authentication in step S105 (Figure 2A) is successful. However, the condition for transitioning to the continuous authentication mode is not limited to successful user authentication in step S105. In addition to or instead of this condition, the system may transition to the continuous authentication mode based on an action that only user h can perform. An action that only user h can perform is, for example, user h connecting to a wireless LAN access point at home. In this case, the system may transition to the continuous authentication mode if the transaction occurs with the ATM 2 within a predetermined time since the last connection.

[0101] (Effects of Embodiment 1) In the above-described embodiment 1, the transaction processing unit 21c of the ATM 2 restricts the processing of transactions between user h and the ATM 2 when communication or communication-related operations are detected on the user terminal 1, or when transaction approval by a third party h1 is not detected. This prevents user h from operating the ATM 2 to make a transfer related to a special fraud while on a call on the user terminal 1 or without the approval of a third party h1.

[0102] Furthermore, in the above-described embodiment 1, when user h conducts a high-value transaction exceeding a predetermined amount, if communication or communication-related activity is detected on the user terminal 1, or if approval of the transaction by a third party h1 is not detected, the processing of the transaction between user h and the ATM 2 is restricted. This prevents user h from making high-value transfers related to special fraud.

[0103] Furthermore, in the above-described embodiment 1, the processing of transactions between user h and the automated cash exchange device 2 is restricted when a third party h1 is not present. This allows user h to conduct transactions with the automated cash exchange device 2 on the premise that a third party h1 is present.

[0104] Furthermore, in the above-described embodiment 1, if approval for a transaction from third-party h1 is not received from third-party terminal 3 held by third-party h1, the processing of the transaction between user h and ATM 2 is restricted. This allows user h to conduct a transaction with ATM 2 with the approval of third-party h1, even when third-party h1 is not present.

[0105] Furthermore, in the above-described embodiment 1, the ATM 2 permits or restricts the processing of user h's transactions based on the first authentication result received from the user terminal 1 and the second authentication result obtained from the second authentication process in the ATM 2. As a result, user h can conduct cashless transactions with the ATM 2 without possessing a cash card, etc., provided that user terminal 1 is in possession of the user terminal 1.

[0106] [Embodiment 2] In the following description of Embodiment 2, we will focus on the differences from Embodiment 1 and omit explanations of overlapping parts.

[0107] (Configuration of the automated cash transaction system 2S according to Embodiment 2) Figure 16 shows the configuration of the automated cash transaction system 2S according to Embodiment 2. The automated cash transaction system 2S differs from the automated cash transaction system S according to Embodiment 1 in that it has an authentication server 5 and / or an account verification server 6, and is otherwise the same as Embodiment 1.

[0108] The authentication server 5 is a computer capable of communicating with at least the ATM 2 and the third-party terminal 3. The account verification server 6 is a computer capable of communicating with at least the user terminal 1.

[0109] In Embodiment 2, the account information 13a of user h entered from user terminal 1 in step S101 (Figure 2A) and the third-party information 13c entered from user terminal 1 in step S103 are stored in the authentication server 5 instead of user terminal 1.

[0110] Furthermore, the destination of the third-party authorization request in step S215 (Figure 2D) is the authentication server 5, not the user terminal 1. The authentication server 5 receives the third-party authorization request from the ATM 2 via communication over the network N.

[0111] When the authentication server 5 receives a third-party authorization request, it transmits the request to the third-party terminal 3 via communication with the network N and base station NE over the mobile communication network. The means by which the authentication server 5 transmits the request to the third-party terminal 3 may be an authentication application or various existing communication methods, including SMS and SNS.

[0112] When the third-party terminal 3 receives a third-party approval request, it sends either "Third-Party Approval OK" or "Third-Party Approval NG" entered by the third party to the authentication server 5. The method by which the third-party terminal 3 sends "Third-Party Approval OK" or "Third-Party Approval NG" to the authentication server 5 may be an authentication application or various existing communication methods such as SMS or SNS.

[0113] When the authentication server 5 receives a third-party approval OK from the third-party terminal 3, it sends account information 13a to the automated cash transaction device 2. On the other hand, when the authentication server 5 receives a third-party approval NG from the third-party terminal 3, it does not send account information 13a to the automated cash transaction device 2 and cancels the transaction.

[0114] In Embodiment 2, after step S113 (Figure 2B), the user terminal 1 sends the user account information of user h in the authentication application to the account verification server 6 for verification of whether the user account is authentic. The account verification server 6 verifies the received user account and sends the result of the verification of whether the user account is authentic or not to the user terminal 1. When the user terminal 1 receives a verification result from the account verification server 6 indicating that the user account is authentic, it moves to step S114. On the other hand, when the user terminal 1 receives a verification result from the account verification server 6 indicating that the user account is invalid, it cancels the transaction at the ATM 2.

[0115] [Embodiment 3] In addition to the embodiments shown in Embodiments 1 and 2, the present invention can also be applied to an entrance / exit gate system 3S having an entrance gate device 2C instead of the automated cash transaction device 2 in Embodiment 1.

[0116] Figure 17 shows the entry process in the entry / exit gate system 3S according to Embodiment 3. First, in step S501C, user terminal 1 performs user authentication of user h and transmits the user authentication result to the entry gate device 2C. Specifically, user terminal 1 acquires user h's biometric information and registers it in the terminal as matching biometric information, and then performs user authentication of user h based on the biometric information acquired during user authentication and the matching biometric information. Then user terminal 1 transmits the user account, user authentication result, and matching biometric information to the entry gate device 2C.

[0117] Next, in step S502, the entrance gate device 2C checks the registered user account information and confirms whether the user account received from user terminal 1 is registered. Next, in step S503, the entrance gate device 2C performs user authentication of user h based on the biometric information acquired by the entrance gate device 2C and the verification biometric information received from user terminal 1. If the entrance gate device 2C determines in step S502 that the user account is registered, and the user authentication result received from user terminal 1 is OK, and the user authentication result in step S503 is OK, the entrance gate device 2C opens the gate and allows user h to enter.

[0118] [Other application examples] The present invention is not limited to Embodiment 3 described above, but has various applications. For example, there is an automated check-in system that has an automated check-in machine installed in the airport lobby instead of the automated cash transaction device 2 in Embodiment 1. The automated check-in machine can perform the check-in procedure for user h even if user h does not have an airline ticket, etc., assuming that user h has a user terminal 1 that has been authenticated in advance. During the check-in procedure, the automated check-in machine can detect wanted criminals based, for example, on the facial images of registered wanted criminals, the facial image of user h acquired by the check-in machine, and the biometric information (facial image) for matching transmitted from user terminal 1.

[0119] Alternatively, instead of the automated cash transaction device 2 in Embodiment 1, there is a reception system that has a reception machine installed in a facility with a counter. The reception machine, like the automated cash transaction device 2, authenticates user h who possesses user terminal 1, thereby preventing the system from mistakenly directing a visitor impersonating someone else to the counter as the legitimate user. Furthermore, when the reception machine receives user h who possesses user terminal 1, it notifies the counter terminal that user h has arrived, and when user h approaches the counter, it transmits information necessary for counter procedures, such as personal information pre-entered in user terminal 1, to the counter terminal. This makes counter operations more efficient.

[0120] Alternatively, instead of the ATM 2 in Embodiment 1, there is a payment management system that includes a reception machine and a payment machine installed in a hospital. The authentication application running on the user terminal 1 held by user h is linked to user h's medical card and payment information such as credit card information. The reception machine, like the ATM 2, accepts the patient's (user h's) arrival by authenticating user h who is holding user terminal 1. Similarly, the payment machine, like the ATM 2, can accept payment of medical fees by user h based on the payment information linked to the authentication application by authenticating user h who is holding user terminal 1.

[0121] The embodiments described above are explained in detail for the purpose of clearly illustrating the present invention, and are not necessarily limited to those comprising all the described configurations. Furthermore, it is possible to replace parts of the configuration of one embodiment with those of another embodiment, and to add configurations from other embodiments to the configuration of one embodiment. Also, it is possible to add, delete, or replace parts of the configuration of each embodiment with those of other embodiments. Some or all of the above configurations, functions, processing units, processing means, etc., may be implemented in hardware, for example, by designing them as integrated circuits. Alternatively, the above configurations, functions, etc., may be implemented in software by having a processor interpret and execute programs that realize each function. Furthermore, 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. [Explanation of Symbols]

[0122] S, 2S, 3S: Automated Cash Transaction System, 1: User Terminal, 2: Automated Cash Transaction Device, 3: Third-Party Terminal

Claims

1. An automated trading device capable of communicating wirelessly with a mobile communication terminal owned by a first user, A communication unit that receives a communication detection notification from the aforementioned mobile communication terminal indicating that communication or an operation related to such communication has been detected on the mobile communication terminal, An approval detection unit that detects approval from a second user, different from the first user, for a transaction made by the first user with the automated trading device, It includes a transaction processing unit that processes transactions with the first user, The aforementioned transaction processing unit, If the communication unit receives the communication detection notification, or if the approval detection unit does not detect the approval, the processing of the transaction with the first user is restricted. An automated trading device characterized by the following features.

2. An automated trading device according to claim 1, The aforementioned transaction processing unit, When a transaction with the first user is a high-value transaction exceeding a predetermined amount, and the communication unit receives the communication detection notification, or the approval detection unit does not detect the approval, the processing of the transaction with the first user is restricted. An automated trading device characterized by the following features.

3. An automated trading device according to claim 1, The aforementioned approval detection unit, The system detects that the second user is accompanying the first user who is conducting a transaction with the automated trading device, based on the identification information of the terminal held by the second user or the facial image of the second user. The aforementioned transaction processing unit, If the approval detection unit does not detect that the second user is accompanying the first user, the processing of the transaction is stopped. An automated trading device characterized by the following features.

4. An automated trading device according to claim 1, The aforementioned approval detection unit, Upon receiving an approval request from a terminal owned by the second user, the system receives the approval entered by the second user in response to the transmission of the approval request request from the second user. The aforementioned transaction processing unit, If the approval is not received by the approval detection unit, the processing of the transaction is restricted. An automated trading device characterized by the following features.

5. An automated trading device according to claim 1, The device-side acquisition unit acquires biological information from the first user, The device includes a device-side authentication unit that performs a second authentication process for the first user based on the biometric information acquired by the device-side acquisition unit and the verification biometric information received from the mobile communication terminal, The aforementioned communications unit is The mobile communication terminal receives the first authentication result of the first authentication process of the first user performed by the mobile communication terminal, and the matching biometric information registered in the mobile communication terminal. The aforementioned transaction processing unit, Based on the first authentication result received from the mobile communication terminal and the second authentication result obtained through the second authentication process, the automated trading device may permit or restrict the processing of the first user's transactions. An automated trading device characterized by the following features.

6. An automated trading system comprising a mobile communication terminal owned by a first user, and an automated trading device capable of predetermined wireless communication with the mobile communication terminal, The aforementioned mobile communication terminal is The system includes a communication detection unit that detects communication or operations related to such communication in the mobile communication terminal and transmits a communication detection notification to the automated trading device that such communication or operations related to such communication have been detected. The aforementioned automated trading device, A communication unit that receives the aforementioned communication detection notification, An approval detection unit that detects approval from a second user, different from the first user, for a transaction made by the first user with the automated trading device, It includes a transaction processing unit that processes transactions with the first user, The transaction processing unit of the automated trading device is If the communication unit receives the communication detection notification, or if the approval detection unit does not detect the approval, the processing of the transaction with the first user is restricted. An automated trading system characterized by the following features.

7. An automated trading method performed by an automated trading device capable of communicating wirelessly with a mobile communication terminal owned by a first user, The communications unit receives a communications detection notification from the mobile communications terminal indicating that communications or operations related to such communications have been detected on the mobile communications terminal. The approval detection unit detects approval from a second user, different from the first user, for a transaction made by the first user with the automated trading device. The transaction processing unit processes the transaction with the first user, and if the communication unit receives the communication detection notification, or if the approval detection unit does not detect the approval, it restricts the processing of the transaction with the first user. An automated trading method characterized by the following features.

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