Automated trading device, terminal device, trading system and method

Abstract

We provide technology that can improve user convenience. [Solution] An automated trading device is provided, comprising: a communication control unit that controls the transmission of first operation information used in trading based on first operation information input to the automated trading device and second operation information input to a terminal device; and a presentation control unit that controls the presentation unit of the automated trading device to present information prompting input to the terminal device when the terminal device is in a state of waiting for input of the second operation information.

Description

Technical Field

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

Background Art

[0002] In recent years, an automatic transaction device for executing transactions has been known. As an example of an automatic transaction device, an automated teller machine can be mentioned. An automated teller machine is also referred to as an ATM (Automatic Teller Machine). For example, Patent Document 1 discloses a technique in which a transaction is executed by the cooperation of an ATM and a smartphone.

[0003] A transaction is divided into a plurality of processing steps. Generally, it is determined in advance for each processing step which of the ATM and the smartphone is in a state of waiting for the input of operation information from the user. Hereinafter, the state of waiting for the input of operation information is also referred to as the "input waiting state".

[0004] Users of the ATM and the smartphone determine that the terminal whose state is the input waiting state for each processing step (hereinafter, also simply referred to as the "input waiting terminal") is the device to which operation information should be input. Then, the user inputs operation information to the device to which the operation information should be input.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0006] However, there are concerns that user convenience will be reduced because it is difficult for users to clearly identify the input-waiting terminal. In particular, it is difficult for users unfamiliar with transactions using smartphones to intuitively identify the input-waiting terminal. As a result, there are concerns that it will take a lot of time to perform the operations necessary for the transaction, further reducing user convenience.

[0007] Therefore, the present invention has been made in view of the above circumstances, and aims to provide a technology that can improve user convenience. [Means for solving the problem]

[0008] To solve the above problems, according to one aspect of the present invention, an automated trading device is provided, comprising: a communication control unit that controls the transmission of first operation information used for trading based on first operation information input to the automated trading device and second operation information input to a terminal device; and a presentation control unit that controls the presentation unit of the automated trading device to present information prompting input to the terminal device when the state of the terminal device is in a state of waiting for input of the second operation information.

[0009] The transaction includes a plurality of processing steps, and the presentation control unit may control the presentation unit to present information indicating each of the plurality of processing steps and information indicating which of the plurality of processing steps the current processing step corresponds to.

[0010] The plurality of processing steps include a first processing step and a second processing step, wherein in the first processing step, the state of the automated trading device is in a state of waiting for input of the first operation information, and in the second processing step, the state of the terminal device is in a state of waiting for input of the second operation information.

[0011] The presentation control unit may, when the terminal device is in a state of waiting for the input of the second operation information, control the presentation unit to display information indicating that there was an error in the operation input destination, based on the fact that an operation has been input to the automated trading device.

[0012] Furthermore, in order to solve the above problems, according to another aspect of the present invention, a terminal device is provided, comprising: a communication control unit that controls the transmission of a second operation information used for trading based on a first operation information input to an automated trading device and a second operation information input to the terminal device; and a presentation control unit that controls the presentation unit of the terminal device to present information prompting input to the automated trading device when the state of the automated trading device is in a state of waiting for input of the first operation information.

[0013] The transaction includes a plurality of processing steps, and the presentation control unit may control the presentation unit to present information indicating each of the plurality of processing steps and information indicating which of the plurality of processing steps the current processing step corresponds to.

[0014] The presentation control unit may, when the state of the automated trading device is in a state of waiting for the input of the first operation information, control the presentation unit to present information indicating that there was an error in the operation input destination, based on the fact that an operation has been input to the terminal device.

[0015] Furthermore, in order to solve the above problems, according to another aspect of the present invention, a trading system is provided comprising an automated trading device and a terminal device, wherein the automated trading device comprises a first communication control unit that controls the transmission of the first operation information used for trading based on first operation information input to the automated trading device and second operation information input to the terminal device, and a first presentation control unit that controls the presentation of information prompting input to the terminal device by a first presentation unit provided in the automated trading device when the state of the terminal device is in a state waiting for input of the second operation information, and the terminal device comprises a second communication control unit that controls the transmission of the second operation information, and a second presentation control unit that controls the presentation of information prompting input to the automated trading device by a second presentation unit provided in the terminal device when the state of the automated trading device is in a state waiting for input of the first operation information.

[0016] The trading system includes a server, and the second communication control unit controls the transmission of the second operation information, device identification information which is the identification information of the automated trading device, and user identification information which is the identification information of the user using the terminal device to the server, and the server may include a processing unit that stores the user identification information and the device identification information in association.

[0017] The transaction includes a first processing step, the first operation information includes first authentication information, and the processing unit may, in the first processing step, perform authentication processing based on the first authentication information input to the automated trading device identified by the device identification information and a second authentication information pre-associated with the user identification information.

[0018] The first display control unit controls the display of an information code containing the device identification information, and the terminal device may include an acquisition unit that acquires the device identification information to be transmitted to the server from the information code read by the reading unit.

[0019] Also, according to another aspect of the present invention for solving the above problems, there is provided a method executed by a transaction system including an automated transaction device and a terminal device, the method including: controlling the automated transaction device to transmit the first operation information used for a transaction based on the first operation information input to the automated transaction device and the second operation information input to the terminal device; controlling a first presenting unit included in the automated transaction device to present information prompting an input to the terminal device when the state of the terminal device is a state waiting for input of the second operation information; controlling the terminal device to transmit the second operation information; and controlling a second presenting unit included in the terminal device to present information prompting an input to the automated transaction device when the state of the automated transaction device is a state waiting for input of the first operation information.

Advantages of the Invention

[0020] According to the present invention described above, it is possible to improve the convenience for the user.

Brief Description of the Drawings

[0021] [Figure 1] It is an explanatory diagram showing the configuration of a transaction system according to a first embodiment of the present invention. [Figure 2] It is an explanatory diagram showing the internal configuration of a financial institution host 10 according to a first embodiment of the present invention. [Figure 3] It is an explanatory diagram showing the internal configuration of an ATM 20 according to a first embodiment of the present invention. [Figure 4] It is a diagram showing a detailed configuration of a control unit 280. [Figure 5] It is an explanatory diagram showing the internal configuration of a smartphone 30 according to a first embodiment of the present invention. [Figure 6] It is an explanatory diagram showing the internal configuration of a web server 40 according to a first embodiment of the present invention. [Figure 7] It is a first diagram of a flowchart showing an example of a process executed by a transaction system 1 according to a first embodiment of the present invention. [Figure 8] FIG. 2 is a flowchart showing an example of processing executed by the transaction system 1 according to the first embodiment of the present invention. [Figure 9] FIG. 3 is a flowchart showing an example of processing executed by the transaction system 1 according to the first embodiment of the present invention. [Figure 10] FIG. is a diagram showing an example of the display of the menu screen G10. [Figure 11] FIG. is a diagram showing an example of the display of the smartphone operation standby screen G20. [Figure 12] FIG. is a diagram showing an example of the display of the transaction selection screen G30. [Figure 13] FIG. is a diagram showing an example of the display of the amount input screen G40. [Figure 14] FIG. is a diagram showing an example of the display of the reading screen G50. [Figure 15] FIG. is a diagram showing an example of the display of the ATM operation standby screen G60. [Figure 16] FIG. is a diagram showing an example of the display of the PIN input screen G70. [Figure 17] FIG. is a diagram showing an example of the display of the amount confirmation screen G80. [Figure 18] FIG. is an example of the display of the transaction completion screen G90 when the withdrawal transaction is a withdrawal transaction. [Figure 19] FIG. is a diagram showing an example of the display of the smartphone operation standby screen G21 according to the second embodiment of the present invention. [Figure 20] FIG. is a diagram showing an example of the display of the ATM operation standby screen G61 according to the second embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION

[0022] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant description is omitted.

[0023] <<1. First Embodiment>> First, the details of the first embodiment of the present invention will be described.

[0024] <1.1. Trading System Configuration> Referring to Figure 1, an example of the configuration of the trading system 1 according to the first embodiment of the present invention will be described.

[0025] Figure 1 is an explanatory diagram showing the configuration of a transaction system according to the first embodiment of the present invention. As shown in Figure 1, the transaction system 1 comprises a financial institution host 10, an ATM 20, a smartphone 30, and a web server 40. Typically, the user of the ATM 20 is a customer of the financial institution. Therefore, the following description will mainly focus on the case where the user of the ATM 20 is a customer. However, the user of the ATM 20 is not limited to a customer.

[0026] (Network 12) Network 12 is a dedicated network for financial institutions. Financial institution host 10 and ATM 20 can communicate with each other via network 12. For example, network 12 may be configured using a dedicated line or an IP-VPN (Internet Protocol-Virtual Private Network).

[0027] (Network 13) Network 13 is a network connecting the financial institution host 10 and the web server 40. The financial institution host 10 and the web server 40 can communicate with each other via network 13. Network 13 may include a wired network or a wireless network. For example, network 13 may include the internet. If network 13 includes the internet, an IP-VPN (Internet Protocol-Virtual Private Network) may be used as network 13 to ensure the confidentiality of communications.

[0028] (Network 14) Network 14 is a network connecting the smartphone 30 and the web server 40. The smartphone 30 and the web server 40 can communicate with each other via network 14. Network 14 may include a wired network or a wireless network. For example, network 14 may include a mobile communication network and the internet.

[0029] (ATM20) An ATM20 is a computer-operated customer-operated terminal that executes transactions based on customer input. Transactions consist of multiple processing steps. The types of transactions are not limited; for example, transactions may include withdrawals, deposits, and balance inquiries. An ATM20 can also be referred to as an automated transaction device. ATMs are installed in a variety of facilities, including bank branches, convenience stores, train stations, hotels, shopping centers, hospitals, amusement parks, restaurants, and office buildings.

[0030] The ATM 20 also includes a display and operation unit 22, a passbook slot 24, a card slot 26, a receipt ejection slot 27, a banknote slot 28, and a coin slot 29. The passbook slot 24, card slot 26, receipt ejection 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.

[0031] (Passbook slot 24) The passbook slot 24 is an opening for inserting and ejecting the customer's passbook.

[0032] (Card slot 26) The card slot 26 is an opening for inserting and ejecting the customer's cash card.

[0033] (Receipt outlet 27) The receipt output slot 27 is an opening for outputting receipts on which transaction details are printed.

[0034] (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.

[0035] (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.

[0036] (Financial institution host 10) The financial institution host 10 is implemented by a computer and can control the execution of transactions by communicating with the ATM 20 via the network 12. Furthermore, the financial institution host 10 can control the execution of transactions by communicating with the smartphone 30 via the network 13, the web server 40, and the network 14. For example, the financial institution host 10 controls the execution of transactions instructed by the customer at the ATM 20 or the smartphone 30. The financial institution host 10 may also function as a server.

[0037] (Smartphone 30) The smartphone 30 is a computer-based terminal device equipped with communication capabilities, owned by the customer. The smartphone 30 is an example of a terminal device owned by the customer. Therefore, the smartphone 30 may be replaced by another terminal device owned by the customer. This other terminal device may be a portable PC (Personal Computer) or a tablet device.

[0038] (Web server 40) The web server 40 is implemented by a computer and can relay communication between the smartphone 30 and the financial institution host 10. More specifically, the web server 40 can relay communication between the smartphone 30 and the financial institution host 10 by communicating with the smartphone 30 via the network 14 and with the financial institution host 10 via the network 13.

[0039] The above describes an example of the configuration of the trading system 1 according to the first embodiment of the present invention.

[0040] <1.2. Internal Configuration of Financial Institution Hosts> The internal configuration of the financial institution host 10 according to the first embodiment of the present invention will be described with reference to Figure 2.

[0041] Figure 2 is an explanatory diagram showing the internal configuration of a financial institution host 10 according to the first embodiment of the present invention. As shown in Figure 2, the financial institution host 10 according to the first embodiment of the present invention comprises a control unit 110, a communication unit 140, and a storage unit 150.

[0042] (Control Unit 110) The control unit 110 includes a processor. The control unit 110 can be realized by the processor executing a program stored in the storage unit 150. The control unit 110 controls the overall processing of the financial institution host 10. The control unit 110 comprises an acquisition unit 111, a processing unit 112, and a communication control unit 113. Details of the functions of the acquisition unit 111, the processing unit 112, and the communication control unit 113 will be described later.

[0043] (Communications Section 140) The communication unit 140 is implemented by a communication interface and communicates with the ATM 20 via the network 12. The communication unit 140 also communicates with the Web server 40 via the network 13.

[0044] (Storage unit 150) The storage unit 150 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 150 stores the program for implementing the control unit 110. The storage unit 150 also stores customer information, ATM numbers, and processing step information.

[0045] Customer information consists of customer ID, account information (branch code, account type, and account number), name, address, PIN, and deposit balance, all linked together. The customer ID is identification information used to identify the customer and falls under the category of user identification information. The PIN is an example of authentication information and can be set in advance by the customer. Account information refers to information about the account held by the customer.

[0046] The ATM number is identification information used to identify ATM20 and is considered device identification information.

[0047] The processing step information is configured by associating the processing step number with the input-waiting terminal information. The processing step number is identification information used to identify the processing step and corresponds to processing step identification information. The input-waiting terminal information indicates the terminal waiting to input in that processing step. Specifically, the input-waiting terminal information may indicate either the ATM 20 or the smartphone 30.

[0048] The internal configuration of the financial institution host 10 according to the first embodiment of the present invention has been described above.

[0049] <1.3. Internal Configuration of an ATM> Next, the internal configuration of the ATM20 according to the first embodiment of the present invention will be described.

[0050] Figure 3 is an explanatory diagram showing the internal configuration of an ATM 20 according to the first embodiment of the present invention. As shown in Figure 3, the ATM 20 according to the first 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.

[0051] (Display operation section 22) The display and operation unit 22 includes an operation unit 23 that detects operations performed by the customer and a display unit 25 that displays a screen visible to 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 the upper layer and the display unit 25 on the lower layer. With this configuration, the customer can perform various operations on the operation unit 23 while viewing the screen displayed by the display unit 25. Hereinafter, information entered into the ATM 20 by customer operations will also be referred to as "first operation information". As an example, first operation information may be entered into the operation unit 23 by customer operations.

[0052] 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 may be implemented using a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The method of implementing the operation unit 23 is also not limited. For example, the method of implementing the operation unit 23 may be a resistive type or an infrared type.

[0053] In the following description, it is assumed that the operation unit 23 is configured as a touch panel, and that operations input to the operation unit 23 include touch operations on the operation unit 23. The operation unit 23 can detect the position on the operation unit 23 touched by the customer. However, the customer's operations on the operation unit 23 may also include operations other than touch operations (e.g., drag operations).

[0054] 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 determines that the button has been selected by the customer. Also, the display of various information on the display unit 25 is just one example of information presentation. Therefore, various information may be presented to the customer by a presentation unit other than the display. For example, information may be presented to the customer as audio by a speaker.

[0055] (Communications Department 210) The communication unit 210 is implemented by a communication interface and communicates with the financial institution host 10 via the network 12.

[0056] (Card reader unit 220) The card reader 220 reads the magnetic information recorded on the customer's cash card inserted through the card slot 26. For example, the magnetic information may include account information (branch code, account type, and account number). The account information read from the customer's cash card by the card reader 220 can be used as account information for a transaction account. However, the first embodiment of the present invention mainly assumes a case where a transaction is performed using a smartphone 30. In a transaction using a smartphone 30, the card reader 220 may not be used.

[0057] (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 insertion slot 24. For example, the magnetic information may include account information (branch code, account type, and account number). The account information read from the customer's passbook by the passbook reading unit 230 can be used as account information for a trading account. However, the first embodiment of the present invention mainly assumes a case where a transaction is performed using a smartphone 30. In a transaction using a smartphone 30, the passbook reading unit 230 may not be used.

[0058] (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.

[0059] (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.

[0060] (Storage unit 270) The storage unit 270 is a storage medium that stores various information used for processing the ATM 20, and is composed of memory. For example, the storage unit 270 stores a program for implementing the control unit 280.

[0061] Furthermore, the storage unit 270 stores information indicating the screen to be displayed by the display unit 25. The storage unit 270 may also store screen transition information, which associates the processing step number with the information indicating the screen. In this case, the ATM 20 can identify which screen to display on the display unit 25 for each processing step based on the screen transition information. Alternatively, the ATM 20 may be notified by the financial institution host 10 which screen to display on the display unit 25 for each current processing step.

[0062] (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 memory unit 270. The control unit 280 controls the overall operation of the ATM 20. For example, the control unit 280 controls the operation 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. The detailed configuration of the control unit 280 will be described with reference to Figure 4.

[0063] Figure 4 shows the detailed configuration of the control unit 280. As shown in Figure 4, the control unit 280 comprises an acquisition unit 281, a processing unit 282, a communication control unit 283, and a presentation control unit 284. The communication control unit 283 may correspond to a first communication control unit. The presentation control unit 284 may correspond to a first presentation control unit. The functions of the acquisition unit 281, processing unit 282, communication control unit 283, and presentation control unit 284 will be described later.

[0064] The internal configuration of the ATM20 according to the first embodiment of the present invention has been described above.

[0065] <1.4. Internal Configuration of a Smartphone> The internal configuration of the smartphone 30 according to the first embodiment of the present invention will be described with reference to Figure 5.

[0066] Figure 5 is an explanatory diagram showing the internal configuration of a smartphone 30 according to the first embodiment of the present invention. As shown in Figure 5, the smartphone 30 according to the first embodiment of the present invention comprises a control unit 310, an operation unit 320, a reading unit 330, a communication unit 340, a storage unit 350, and a display unit 360.

[0067] (Control Unit 310) The control unit 310 includes a processor. The control unit 310 can be realized by the processor executing a program stored in the storage unit 350. The control unit 310 controls the overall processing of the smartphone 30. The control unit 310 comprises an acquisition unit 311, a processing unit 312, a communication control unit 313, and a presentation control unit 314. The communication control unit 313 may correspond to a second communication control unit. The presentation control unit 314 may correspond to a second presentation control unit. Details of the functions of the acquisition unit 311, processing unit 312, communication control unit 313, and presentation control unit 314 will be described later.

[0068] (Operation unit 320) The operation unit 320 accepts operations from the customer. For example, the operation unit 320 accepts operations such as pressing a button by the customer. In the following description, it is assumed that the operation unit 320 is composed of a touch panel and that operations on the operation unit 320 include touch operations on the operation unit 320. However, operations on the operation unit 320 by the customer may also include operations other than touch operations on the operation unit 320 (for example, drag operations). Alternatively, the operation unit 320 may include hardware buttons and accept input of operations such as pressing hardware buttons by the customer. Hereafter, information entered into the smartphone 30 by the customer's operation will also be referred to as "second operation information". As an example, second operation information may be entered into the operation unit 320 by the customer's operation.

[0069] (Reading unit 330) The reading unit 330 reads the information code and extracts the information embedded in the information code by decoding the read information code. For example, the reading unit 330 may include a camera, and the information code may be read by capturing an image of the information code with the camera. In the following explanation, we will mainly assume that the information code is a two-dimensional code. However, the information code is not limited to a two-dimensional code and may be a one-dimensional code. As mentioned above, the information entered into the smartphone 30 by the customer's operation is also called "second operation information". As another example, the second operation information may be entered into the reading unit 330 by the customer's operation.

[0070] (Communications Section 340) The communication unit 340 is implemented by a communication interface and communicates with the web server 40 via the network 14.

[0071] (Storage unit 350) The storage unit 350 is a storage medium that stores various information used for processing the smartphone 30, and is composed of memory. For example, the storage unit 350 stores a program for implementing the control unit 310. As an example of a program, the storage unit 350 stores an application used for transactions (hereinafter also referred to as "banking application"). In the following description, the application may be referred to as "app". Therefore, "banking application" may also be referred to as "banking app". Also, the smartphone may be referred to as "smartphone".

[0072] Furthermore, the storage unit 350 stores information indicating the screen to be displayed by the presentation unit 360. The presentation unit 360 may also store screen transition information in which the processing step number is associated with the information indicating the screen. In this case, the smartphone 30 can identify which screen to display on the presentation unit 360 for each processing step based on the screen transition information. Alternatively, the financial institution host 10 may notify the smartphone which screen to display on the presentation unit 360 for each processing step.

[0073] (Presentation part 360) The display unit 360 presents information to the customer. In the following, we will mainly assume that the display unit 360 is composed of a display and presents information that the customer can recognize visually by displaying a screen on the display. However, the display unit 360 may also present information that the customer can recognize through other senses. For example, the display unit 360 may be equipped with a speaker and present information that the customer can recognize auditorily by outputting sound from the speaker. Alternatively, the display unit 360 may be equipped with a haptic device and present information that the customer can recognize by touch by vibrating the haptic device. Furthermore, the display unit 360 and the operation unit 320 may be integrated, such as a liquid crystal touch panel.

[0074] The internal configuration of the smartphone 30 according to the first embodiment of the present invention has been described above.

[0075] <1.5. Internal Configuration of the Web Server> The internal configuration of the Web server 40 according to the first embodiment of the present invention will be described with reference to Figure 6.

[0076] Figure 6 is an explanatory diagram showing the internal configuration of a Web server 40 according to the first embodiment of the present invention. As shown in Figure 6, the Web server 40 according to the first embodiment of the present invention comprises a control unit 410, a communication unit 440, and a storage unit 450.

[0077] (Control Unit 410) The control unit 410 includes a processor. The control unit 410 can be realized by the processor executing a program stored in the storage unit 450. The control unit 410 controls the overall processing of the Web server 40. The control unit 410 comprises an acquisition unit 411, a processing unit 412, and a communication control unit 413. Details of the functions of the acquisition unit 411, the processing unit 412, and the communication control unit 413 will be described later.

[0078] (Communications Department 440) The communication unit 440 is implemented by a communication interface and communicates with the smartphone 30 via the network 14. The communication unit 440 also communicates with the financial institution host 10 via the network 13.

[0079] (Storage unit 450) The storage unit 450 is a storage medium that stores various information used for processing by the Web server 40, and is composed of memory. For example, the storage unit 450 stores the program for implementing the control unit 410.

[0080] The internal configuration of the Web server 40 according to the first embodiment of the present invention has been described above.

[0081] <1.6. Processing in the Trading System> With reference to Figures 7 to 18 (and Figures 1 to 6 as appropriate), an example of processing performed by the trading system 1 according to the first embodiment of the present invention will be described. Figure 7 is the first flowchart showing an example of processing performed by the trading system 1 according to the first embodiment of the present invention. Figure 8 is the second flowchart showing an example of processing performed by the trading system 1 according to the first embodiment of the present invention. Figure 9 is the third flowchart showing an example of processing performed by the trading system 1 according to the first embodiment of the present invention.

[0082] Transactions performed by the transaction system 1 are executed based on first operation information entered into the ATM 20 and second operation information entered into the smartphone 30. The transaction consists of a plurality of processing steps, which include at least a first processing step and a second processing step. In the first processing step, the ATM 20 is in a state waiting for input of the first operation information. Meanwhile, in the second processing step, the smartphone 30 is in a state waiting for input of the second operation information.

[0083] The following explanation primarily assumes that the multiple processing steps include the processing steps "Transaction Selection," "Information Code Reading," "PIN Entry," and "Amount Confirmation." However, these multiple processing steps may include any processing steps.

[0084] In the following explanation, during the processing step "Transaction Selection," the state of the smartphone 30 becomes one of waiting for input of "Transaction Type," and during the processing step "Information Code Reading," the state of the smartphone 30 becomes one of waiting for input of "Information Code." In other words, the processing steps "Transaction Selection" and "Information Code Reading" may each correspond to a second processing step. Furthermore, the transaction type and information code may each correspond to second operation information.

[0085] Furthermore, in the following explanation, during the processing step "PIN entry," the ATM20's state becomes a state waiting for "PIN" input, and during the processing step "Amount confirmation," the ATM20's state becomes a state waiting for "Amount" input. In other words, the processing steps "PIN entry" and "Amount confirmation" can each correspond to the first processing step. Also, the PIN and amount confirmation information can each correspond to the first operation information.

[0086] Furthermore, in each processing step, it is not necessary to limit which of the ATM 20 and the smartphone 30 will be in the state of waiting for operation information input. Also, in each processing step, it is not necessary to limit what kind of operation information the waiting terminal will be in the state of waiting for operation information input.

[0087] As shown in Figure 7, in the ATM 20, the presentation control unit 284 controls the display unit 25 so that the menu screen G10 (Figure 10) is displayed by the display unit 25 (S201).

[0088] Figure 10 shows an example of the display of menu screen G10. As shown in Figure 10, menu screen G10 includes a withdrawal transaction selection button B11, a deposit transaction selection button B12, a balance inquiry transaction button B13, and a smartphone-use transaction selection button B14.

[0089] The customer can select a withdrawal transaction using the ATM 20 as an item by selecting the withdrawal transaction selection button B11 on the operation unit 23. Alternatively, the customer can select a deposit transaction using the ATM 20 as an item by selecting the deposit transaction selection button B12 on the operation unit 23.

[0090] Furthermore, the customer can select a balance inquiry transaction as an item by performing the operation of selecting the balance inquiry transaction button B13 on the operation unit 23. Also, the customer can select a transaction using a smartphone 30 as an item by performing the operation of selecting the smartphone transaction selection button B14 on the operation unit 23.

[0091] The acquisition unit 281 acquires the item selected by the customer. The presentation control unit 284 controls the display unit 25 so that the smartphone operation waiting screen G20 (Figure 11) is displayed by the display unit 25 if the selected item is a transaction using a smartphone (S202: "Transaction using a smartphone"). At this time, the processing unit 282 sets "Transaction Selection" as the current processing step and sets the smartphone 30 as the input waiting terminal. On the other hand, if the selected item is something else (S202: "Other"), the processing unit 282 executes the transaction according to the item (S203) and ends the transaction.

[0092] Figure 11 shows an example of the display of the smartphone operation standby screen G20. As shown in Figure 11, the smartphone operation standby screen G20 includes a smartphone operation guidance message M20, a transaction flow F20, and an information code C20.

[0093] The processing unit 282 recognizes that the input waiting terminal corresponding to the current processing step "transaction selection" is the smartphone 30, based on the current processing step "transaction selection" and the processing step information stored in the storage unit 270. In other words, the state of the smartphone 30 is in the input waiting state. Therefore, the display control unit 284 controls the display unit 25 so that the smartphone operation guidance message M20 "Please operate your smartphone" is displayed on the display unit 25 as information to prompt input to the smartphone 30. This makes it easier for the customer to identify the input waiting terminal, and is expected to improve customer convenience. Note that the specific content of the smartphone operation guidance message M20 is not limited.

[0094] Transaction flow F20 is composed of information F21 indicating the processing step "Transaction Selection," F22 indicating the processing step "Information Code Reading," F23 indicating the processing step "PIN Input," and F24 indicating the processing step "Amount Confirmation," arranged in a predetermined direction from the processing step with the earliest execution order to the processing step with the latest execution order. In the example shown in Figure 11, the predetermined direction is from left to right. However, the predetermined direction is not limited to left to right; it could be from top to bottom, for example.

[0095] In the following, information F21 indicating the processing step "Transaction Selection," information F22 indicating the processing step "Information Code Reading," information F23 indicating the processing step "PIN Entry," and information F24 indicating the processing step "Amount Confirmation" will also be referred to as information F21-F24 indicating the processing steps.

[0096] Each of the information F21 to F24 indicating the processing step is a range having a predetermined shape. In the example shown in Figure 11, the predetermined shape is a rectangle, but the predetermined shape is not limited to a rectangle. The information F21 to F24 indicating the processing step may be divided into a range corresponding to the ATM 20 (upper section in the example shown in Figure 11) and a range corresponding to the smartphone 30 (lower section in the example shown in Figure 11).

[0097] The information F21 indicating the processing step "Transaction Selection" may include the string "Transaction Selection," which is the name of the processing step. For example, the string "Transaction Selection" may be included in the range corresponding to the input waiting terminal "Smartphone" in the processing step "Transaction Selection" (the lower row in the example shown in Figure 11).

[0098] The information F22 indicating the processing step "Read Information Code" may include the string "Read Information Code," which is the name of the processing step. For example, the string "Read Information Code" may be included in the range corresponding to the input waiting terminal "Smartphone" in the processing step "Read Information Code" (the lower row in the example shown in Figure 11).

[0099] The information F23 indicating the processing step "PIN entry" may include the string "PIN entry," which is the name of the processing step. For example, the string "PIN entry" may be included in the range corresponding to the input waiting terminal "ATM" in the processing step "PIN entry" (the upper row in the example shown in Figure 11).

[0100] The information F24 indicating the processing step "Amount Confirmation" may include the string "Amount Confirmation," which is the name of the processing step. For example, the string "Amount Confirmation" may be included in the range corresponding to the input waiting terminal "ATM" in the processing step "Amount Confirmation" (the upper row in the example shown in Figure 11).

[0101] Transaction flow F20 includes information indicating which of the following processing steps the current processing step corresponds to: "Transaction Selection," "Information Code Reading," "PIN Entry," or "Amount Confirmation." Here, the display format for information indicating completed processing steps differs from the display format for information indicating unexecuted processing steps. The primary assumption is that the information indicating the earliest executed unexecuted processing step is presented as the information indicating the current processing step.

[0102] The following primarily describes a case where the display of information indicating completed processing steps is differentiated from the display of information indicating uncompleted processing steps by hatching the information indicating completed processing steps and not hatching the information indicating completed processing steps. However, the method for differentiating the display of information indicating completed processing steps from the display of information indicating uncompleted processing steps is not limited to this example. For example, the display of information indicating completed processing steps and the display of information indicating uncompleted processing steps may be differentiated by using different colors for the information indicating completed processing steps and the information indicating uncompleted processing steps.

[0103] On the smartphone operation standby screen G20, among the information F21-F24 indicating processing steps, there is no information with hatching indicating completed processing steps. Therefore, information F21, which indicates the earliest unexecuted processing step "Transaction Selection," is presented as the information indicating the current processing step.

[0104] The information code C20 contains a code obtained by encoding the ATM number of ATM20 that displays this information code C20. In the example shown in Figure 11, the information code C20 is a two-dimensional code. However, the information code C20 may be a code other than a two-dimensional code (for example, a one-dimensional code).

[0105] On the other hand, when a customer inputs an operation to launch the banking application into the smartphone 30, the banking application is launched. Once the banking application is launched, various processes are executed by the smartphone 30, as described below, according to the functions of the banking application. First, in the smartphone 30, the display control unit 314 controls the display unit 360 so that the transaction selection screen G30 (Figure 12) is displayed by the display unit 360 (S301). At this time, the processing unit 312 sets "transaction selection" as the current processing step and sets the smartphone 30 as the input waiting terminal.

[0106] Figure 12 shows an example of the display of the transaction selection screen G30. As shown in Figure 12, the transaction selection screen G30 includes a withdrawal transaction selection button B31 and a deposit transaction selection button B32. If, at the stage of displaying the transaction selection screen G30, transaction-related information such as deposit balance, available withdrawal amount, withdrawal limit, and number of free ATM deposits and withdrawals is obtained from the financial institution host 10 via the web server 40 by the smartphone 30, the transaction selection screen G30 may also include transaction-related information, as shown in Figure 12.

[0107] The customer can select a withdrawal transaction using the smartphone 30 as the transaction type by selecting the withdrawal transaction selection button B31 on the operation unit 320. Alternatively, the customer can select a deposit transaction using the smartphone 30 as the transaction type by selecting the deposit transaction selection button B32 on the operation unit 320. The transaction type is entered into the operation unit 320 by the operation of selecting the transaction type (S302). The acquisition unit 311 acquires the transaction type entered into the operation unit 320. Then, the processing unit 312 determines the transaction type.

[0108] The presentation control unit 314 controls the presentation unit 360 so that the amount input screen G40 (Figure 13) is displayed by the presentation unit 360 when the transaction type is a withdrawal transaction. The presentation unit 360 displays the amount input screen G40 (Figure 13) in accordance with the control by the presentation control unit 314 (S303). If the transaction type is a deposit transaction, the amount input screen G40 (Figure 13) may not be displayed, and the process may proceed to S305.

[0109] Figure 13 shows an example of the display of the amount input screen G40. As shown in Figure 13, the amount input screen G40 includes a smartphone operation guidance message M40, a transaction flow F40, and a group of input buttons B40.

[0110] Based on the current processing step "Transaction Selection" and the processing step information stored in the storage unit 350, the processing unit 312 recognizes that the input waiting terminal corresponding to the current processing step "Transaction Selection" is the smartphone 30. In other words, the state of the smartphone 30 is in the input waiting state. Therefore, the display control unit 314 controls the display unit 360 so that the smartphone operation guidance message M40 "Please operate your smartphone" is displayed by the display unit 360 as information to prompt input to the smartphone 30.

[0111] Transaction flow F40 has a configuration similar to that of transaction flow 20 shown in Figure 11. Therefore, a detailed explanation of the configuration of transaction flow F40 is omitted here.

[0112] On the amount input screen G40, among the information F41-F44 indicating processing steps, there is no information with hatching indicating an executed processing step. Therefore, information F41, which indicates the earliest executed but unexecuted processing step "Transaction Selection," is presented as the information indicating the current processing step.

[0113] The customer can select the transaction amount by selecting one or more number buttons from the input button group B40 on the operation unit 320. The amount is entered into the operation unit 320 by selecting the amount (S304). The amount entered into the operation unit 320 can also be corrected by the customer by selecting the correction button from the input button group B40 on the operation unit 320. The amount entered into the operation unit 320 can also be confirmed by the customer by selecting the confirmation button from the input button group B40 on the operation unit 320.

[0114] The acquisition unit 311 acquires the amount entered in the operation unit 320. The display control unit 314 may control the display unit 360 so that the entered amount is displayed by the display unit 360. The display control unit 314 controls the display unit 360 so that the reading screen G50 (Figure 14) is displayed by the display unit 360 (S305). The processing unit 312 also advances the current processing step from "transaction selection" to "information code reading".

[0115] Figure 14 shows an example of the display of the reading screen G50. As shown in Figure 14, the reading screen G50 includes a smartphone operation guidance message M40, a transaction flow F40, and a reading image display window G52.

[0116] Based on the current processing step "Read information code" and the processing step information stored in the storage unit 350, the processing unit 312 recognizes that the input waiting terminal corresponding to the current processing step "Read information code" is the smartphone 30. In other words, the state of the smartphone 30 is in the input waiting state. Therefore, the display control unit 314 controls the display unit 360 so that the smartphone operation guidance message M40 "Please operate your smartphone" is displayed by the display unit 360 as information to prompt input to the smartphone 30.

[0117] Furthermore, on the reading screen G50, among the information F41 to F44 indicating processing steps, there is information F41 indicating an executed processing step that is hatched. In other words, the presentation control unit 314 hatches information F41 indicating a processing step. As a result, the presentation control unit 314 controls the system so that information F42, which indicates the earliest unexecuted processing step "information code reading," is presented as the information indicating the current processing step.

[0118] The image display window G52 is the area where the image obtained by the reading unit 330 is displayed. The customer moves the smartphone 30 while looking at the image displayed in the image display window G52 to cause the reading unit 330 to read the information code C20 (Figure 11). The reading unit 330 reads the information code C20 (S306). The acquisition unit 311 acquires the information code C20 and decodes the information code C20 to obtain the ATM number from the information code C20.

[0119] If the transaction type is a withdrawal transaction, the processing unit 312 generates a processing step switching request that includes the ATM number obtained by the acquisition unit 311, the customer ID entered by the customer into the operation unit 320, the processing step number corresponding to the current processing step, the amount obtained by the acquisition unit 311, and the transaction type obtained by the acquisition unit 311. If the transaction type is a deposit transaction, the processing unit 312 only needs to generate a processing step switching request that includes the ATM number, customer ID, processing step number, and transaction type, but does not include the amount.

[0120] As shown in Figure 8, the communication control unit 313 controls the communication unit 340 so that a processing step switching request is sent to the financial institution host 10 via the web server 40 by the communication unit 340. To this end, the communication control unit 313 controls the communication unit 340 so that a processing step switching request is sent to the web server 40 by the communication unit 340. The communication unit 340 sends the processing step switching request to the web server 40 in accordance with the control by the communication control unit 313 (S311).

[0121] In the web server 40, the communication unit 440 receives a processing step switching request (S411), and the acquisition unit 411 acquires the processing step switching request received by the communication unit 440. The processing unit 412 performs appropriate operations such as formatting the processing step switching request. The communication control unit 413 controls the communication unit 440 so that the processing step switching request is sent to the financial institution host 10 by the communication unit 440. The communication unit 440 sends the processing step switching request to the financial institution host 10 in accordance with the control by the communication control unit 413 (S412).

[0122] In the financial institution host 10, the communication unit 140 receives a processing step switching request (S111), and the acquisition unit 111 acquires the processing step switching request received by the communication unit 140. From the acquired processing step switching request, the acquisition unit 111 extracts the ATM number, customer ID, processing step number, and transaction type. In addition, if the transaction type is a withdrawal transaction, the acquisition unit 111 extracts the amount.

[0123] The processing unit 112 associates the ATM number, customer ID, processing step number, and transaction type and stores them in the storage unit 150. When an amount is extracted by the acquisition unit 111, the processing unit 112 associates the ATM number, customer ID, processing step number, transaction type, and amount and stores them in the storage unit 150.

[0124] The processing unit 112 identifies the next processing step number based on the extracted processing step number and the processing step information stored in the storage unit 150. The processing unit 112 also acquires the input waiting terminal information corresponding to the next processing step number based on the next processing step number and the processing step information stored in the storage unit 150 (S112).

[0125] The processing unit 112 generates a processing step switching response that includes information about the terminal waiting for input. The processing unit 112 also generates a PIN transmission instruction that includes the terminal waiting for input information, the customer ID, the amount, and the transaction type.

[0126] The communication control unit 113 controls the communication unit 140 so that a processing step switching response is transmitted to the Web server 40 by the communication unit 140. The communication unit 140 transmits the processing step switching response to the Web server 40 in accordance with the control by the communication control unit 113 (S113). Furthermore, the communication control unit 113 controls the communication unit 140 so that a PIN transmission instruction is transmitted to the ATM 20 identified by the ATM number by the communication unit 140. The communication unit 140 transmits the PIN transmission instruction to the ATM 20 in accordance with the control by the communication control unit 113 (S114).

[0127] In the web server 40, the communication unit 440 receives a processing step switching response (S413), and the acquisition unit 411 acquires the processing step switching response received by the communication unit 440. The processing unit 412 performs appropriate operations such as formatting the processing step switching response. The communication control unit 413 controls the communication unit 440 so that the processing step switching response is transmitted to the smartphone 30 by the communication unit 440. The communication unit 440 transmits the processing step switching response to the smartphone 30 according to the control by the communication control unit 413 (S414).

[0128] In the smartphone 30, the communication unit 340 receives a processing step switching response (S312), the acquisition unit 311 acquires the processing step switching response, and obtains input waiting terminal information from the processing step switching response. The display control unit 314 controls the display unit 360 so that the ATM operation waiting screen G60 (Figure 15) is displayed by the display unit 360. The display unit 360 displays the ATM operation waiting screen G60 (Figure 15) according to the control by the display control unit 314 (S313).

[0129] Figure 15 shows an example of the display of the ATM operation waiting screen G60. As shown in Figure 15, the ATM operation waiting screen G60 includes the ATM operation guidance message M60 and the transaction flow F40.

[0130] When the processing unit 312 receives a processing step switching response from the acquisition unit 311, it advances the current processing step from "information code reading" to "PIN entry". The processing unit 312 also recognizes that the input waiting terminal information acquired by the acquisition unit 311 indicates ATM 20 and sets ATM 20 as the input waiting terminal. In other words, ATM 20 is in the input waiting state. Therefore, the display control unit 314 controls the display unit 360 so that the ATM operation guidance message M60 "Please operate the ATM" is displayed as information prompting input to ATM 20.

[0131] Furthermore, on the ATM operation waiting screen G60, among the information F41 to F44 indicating processing steps, there are information F41 to F42 that indicate completed processing steps and are marked with hatching. In other words, the display control unit 314 marks each of the information F41 to F42 indicating processing steps with hatching. As a result, the display control unit 314 controls the system so that the information F43, which indicates the earliest unexecuted processing step, "PIN entry," is displayed as the information indicating the current processing step.

[0132] In ATM 20, the communication unit 210 receives a PIN transmission instruction (S211), and the acquisition unit 281 acquires the PIN transmission instruction and obtains the customer ID, input waiting terminal information, amount, and transaction type from the PIN transmission instruction. The presentation control unit 284 controls the display unit 25 so that the PIN input screen G70 (Figure 16) is displayed by the display unit 25. The display unit 25 displays the PIN input screen G70 (Figure 16) according to the control by the presentation control unit 284 (S212).

[0133] Figure 16 shows an example of the display of the PIN entry screen G70. As shown in Figure 16, the PIN entry screen G70 includes the ATM operation guidance message M70 and the transaction flow F20.

[0134] When the processing unit 282 receives the instruction to transmit the PIN from the acquisition unit 281, it proceeds to the current processing step "PIN input". The processing unit 282 also recognizes that the input-waiting terminal information acquired by the acquisition unit 281 indicates ATM 20. That is, ATM 20 is in the input-waiting state. Therefore, the display control unit 284 controls the display unit 25 so that the ATM operation guidance message M70 "Please operate the ATM" is displayed on the display unit 25 as information to prompt input to ATM 20.

[0135] Furthermore, on the PIN entry screen G70, among the information F21 to F24 indicating processing steps, there are information F21 to F22 that indicate completed processing steps and are marked with hatching. In other words, the presentation control unit 314 marks each of the information F22 to F22 indicating processing steps with hatching. As a result, the presentation control unit 314 controls the system so that the information F23, which indicates the earliest unexecuted processing step, "PIN entry," is presented as the information indicating the current processing step.

[0136] The customer can select a PIN by performing a PIN selection operation on the operation unit 23. The PIN is entered into the operation unit 320 by performing the PIN selection operation (S213). The acquisition unit 281 acquires the PIN entered into the operation unit 23. The processing unit 282 determines the transaction type acquired by the acquisition unit 281.

[0137] The presentation control unit 284 controls the display unit 25 so that the amount confirmation screen G80 (Figure 17), which includes the amount acquired by the acquisition unit 281, is displayed by the display unit 25 if the transaction type is a withdrawal transaction. The display unit 25 displays the amount confirmation screen G80 (Figure 17) according to the control by the presentation control unit 284 (S214). If the transaction type is a deposit transaction, the amount included in the amount confirmation screen G80 (Figure 17) may be the amount of cash deposited by the customer into the banknote slot 28 and / or coin slot 29. The processing unit 282 proceeds the current processing step from "PIN entry" to "amount confirmation".

[0138] Figure 17 shows an example of the display of the amount confirmation screen G80. As shown in Figure 17, the amount confirmation screen G80 includes the ATM operation guidance message M70, the transaction flow F20, and the confirmation button B80.

[0139] On the amount confirmation screen G80, among the information F21 to F24 indicating processing steps, there is information F21 to F23 that indicates completed processing steps and is hatched. In other words, the presentation control unit 284 hatches the information F21 to F23 indicating processing steps. As a result, the presentation control unit 284 controls the system so that the information F24, which indicates the earliest unexecuted processing step "amount confirmation," is presented as the information indicating the current processing step.

[0140] The customer can select confirmation by selecting the confirmation button B80 on the operation unit 23. Selecting confirmation inputs amount confirmation information to the operation unit 23 (S221). The acquisition unit 281 acquires the amount confirmation information input to the operation unit 23. The processing unit 282 then generates an update request including the customer ID, amount, transaction type, and PIN. The communication control unit 283 controls the communication unit 210 so that the update request is sent to the financial institution host 10 by the communication unit 210. The communication unit 210 sends the update request to the financial institution host 10 according to the control of the communication control unit 283 (S222).

[0141] In the financial institution host 10, the communication unit 140 receives an update request (S121). The acquisition unit 111 acquires the update request and obtains the customer ID, amount, transaction type, and PIN from the update request. The PIN obtained from the update request may correspond to the first authentication information. The processing unit 112 obtains the PIN pre-associated with the customer ID from the customer information stored in the storage unit 150. The PIN pre-associated with the customer ID may correspond to the second authentication information.

[0142] Then, the processing unit 112 performs authentication based on the PIN obtained from the customer information and the PIN obtained from the update request by the acquisition unit 111. For example, the processing unit 112 may determine whether or not the authentication process is successful based on whether or not these PINs match.

[0143] If the authentication process fails, the processing unit 112 generates an updated response that includes a processing result indicating the authentication failure. On the other hand, if the authentication process is successful, the processing unit 112 attempts to update the customer information based on the customer ID, amount, and transaction type.

[0144] If the processing unit 112 fails to update the customer information, it generates an update response that includes a processing result indicating the update failure. For example, the update may fail if the transaction type is a withdrawal transaction and the deposit balance corresponding to the customer ID is smaller than the amount included in the update request. On the other hand, if the processing unit 112 succeeds in updating the customer information, it updates the customer information stored in the storage unit 150 and generates an update response that includes a processing result indicating the update success.

[0145] For example, if the transaction type is a deposit transaction, the processing unit 112 updates the customer information by adding the amount included in the update request to the deposit balance corresponding to the customer ID. Alternatively, if the transaction type is a withdrawal transaction, the processing unit 112 updates the customer information by subtracting the amount included in the update request from the deposit balance corresponding to the customer ID.

[0146] The communication control unit 113 controls the communication unit 140 so that the update response is sent by the communication unit 140 to the ATM 20 and the Web server 40, respectively, which are identified by the ATM number. The communication unit 140 sends the update response to the ATM 20 and the Web server 40, respectively, which are identified by the ATM number, in accordance with the control by the communication control unit 113 (S122). At this time, in order to synchronize the display timing of the transaction completion screen on the ATM 20 and the smartphone 30, the transmission of the update response to the Web server 40 may be delayed until the transaction completion screen is displayed on the ATM 20. In this case, the ATM 20 may send a notification to the financial institution host 10 that it will display the transaction completion screen, and the financial institution host 10 may send the update response to the Web server 40 after receiving the notification.

[0147] In ATM20, the communication unit 210 receives an update response (S223), the acquisition unit 281 acquires the update response, and obtains the processing result from the update response.

[0148] The processing unit 282 determines the processing result. The display control unit 284 controls the display unit 25 so that a message indicating authentication failure is displayed by the display unit 25 if the processing result indicates authentication failure. The display unit 25 displays a message indicating authentication failure in accordance with the control of the display control unit 284. The display control unit 284 controls the display unit 25 so that a message indicating update failure is displayed by the display unit 25 if the processing result indicates update failure. The display unit 25 displays a message indicating update failure in accordance with the control of the display control unit 284.

[0149] If the processing result indicates a successful update, the processing unit 282 executes processing according to the transaction type (S224). For example, if the transaction type is a deposit transaction, the processing unit 282 stores the cash inserted into the banknote slot 28 and / or coin slot 29 in a storage unit (not shown). Alternatively, if the transaction type is a withdrawal transaction, the processing unit 282 dispenses cash equivalent to the amount entered by the customer from a storage unit (not shown) and discharges it from the banknote slot 28 and / or coin slot 29.

[0150] The display control unit 284 controls the display unit 25 so that the transaction completion screen G90 (Figure 18) is displayed by the display unit 25. The display unit 25 displays the transaction completion screen G90 (Figure 18) in accordance with the control by the display control unit 284.

[0151] Figure 18 shows an example of the display of the transaction completion screen G90 when the transaction is a withdrawal transaction. As shown in Figure 18, when the transaction type is a withdrawal transaction, the transaction completion screen G90 may include a message prompting the customer to receive the cash, such as "Please receive your cash."

[0152] In the web server 40, the communication unit 440 receives an update response (S421), and the acquisition unit 411 acquires the update response received by the communication unit 440. The processing unit 412 performs appropriate operations such as formatting of the processing step switching request. The communication control unit 413 controls the communication unit 440 so that the update response is sent to the smartphone 30 by the communication unit 440. The communication unit 440 sends the update response to the smartphone 30 in accordance with the control by the communication control unit 413 (S422).

[0153] In the smartphone 30, the communication unit 340 receives an update response (S321), the acquisition unit 311 acquires the update response, and obtains the processing result from the update response. The presentation control unit 314 controls the presentation unit 360 so that a transaction completion screen corresponding to the processing result is displayed by the presentation unit 360. The presentation unit 360 displays the transaction completion screen corresponding to the processing result in accordance with the control by the presentation control unit 314 (S322).

[0154] The above describes an example of processing performed by the transaction system 1 according to the first embodiment of the present invention.

[0155] <1.7. Effects> According to the first embodiment of the present invention, customers will be able to intuitively understand which terminal, the ATM 20 or the smartphone 30, they should operate in the current processing step. This can improve customer convenience. More specifically, according to the first embodiment of the present invention, wasted time, such as the time customers spend thinking about which terminal to operate or the time customers spend repeating operations due to operational errors, can be reduced. By reducing this wasted time, it is expected that the time required for transactions will be shortened.

[0156] The details of the first embodiment of the present invention have been described above.

[0157] <<2. Second Embodiment>> Next, we will describe the details of a second embodiment of the present invention.

[0158] <2.1. Trading System Configuration> In the following, we will mainly describe the configurations of the trading system 1 according to the second embodiment of the present invention that differ from the configurations of the trading system 1 according to the first embodiment of the present invention, and will omit a detailed description of the configurations that are the same as those of the trading system 1 according to the first embodiment of the present invention. In addition, Figures 1 to 18, which were used in the description of the trading system 1 according to the first embodiment of the present invention, will be used as appropriate in the description of the trading system 1 according to the second embodiment of the present invention.

[0159] <2.2. Internal Configuration of an ATM> The display control unit 284 controls the display unit 25 to display information indicating that there was an error in the input destination (hereinafter also referred to as the "input destination error message") based on the fact that an operation has been input to the ATM 20 when the smartphone 30 is in a state of waiting for operation information input. This makes it possible for customers to immediately realize that there was an error in the input destination even if they mistakenly input an operation to the ATM 20 when the ATM 20 is not in a state of waiting for input.

[0160] <2.3. Internal Configuration of a Smartphone> The display control unit 314 controls the display unit 360 so that an input destination error message is displayed by the display unit 360 based on the fact that an operation has been input to the smartphone 30 when the ATM 20 is in a state of waiting for operation information input. This makes it possible for customers to immediately realize that there was an error in the input destination, even if they mistakenly input an operation to the smartphone 30 when the smartphone 30 is not in a state of waiting for input.

[0161] <2.4. Processing in the Trading System> In the second embodiment of the present invention, similar to the first embodiment, the presentation control unit 284 controls the display unit 25 so that the smartphone operation waiting screen G20 (Figure 11) is displayed by the display unit 25 when the selected item is a transaction using a smartphone (S202: "transaction using a smartphone"). At this time, the processing unit 282 sets "transaction selection" as the current processing step and sets the smartphone 30 as the input waiting terminal.

[0162] When the current processing step is "Transaction Selection," the smartphone 30 is waiting for the transaction type to be entered. At this time, the display control unit 284 of the ATM 20 controls the display unit 25 so that an input destination error message is displayed on the display unit 25 based on the fact that an operation has been entered to the ATM 20. In the following, it is mainly assumed that the operation to the ATM 20 is an operation to the operation unit 23. However, the operation to the ATM 20 is not limited to an operation to the operation unit 23.

[0163] Figure 19 shows an example of the display of the smartphone operation standby screen G21 according to a second embodiment of the present invention. Referring to Figure 19, in the smartphone operation standby screen G21, the customer U1 has entered an operation into the operation unit 23 even though the smartphone 30 is in a state of waiting for input of the transaction type. Note that the operation performed by the customer on the operation unit 23 may be a touch operation or the like, but the type of operation performed by the customer on the operation unit 23 is not limited.

[0164] The display control unit 284 controls the display unit 25 so that the input destination error message M21 "There is an error in the input destination of the operation" is displayed on the display unit 25, based on the fact that an operation has been input to the operation unit 23 by customer U1. The specific content of the input destination error message M21 is not limited.

[0165] Furthermore, in the second embodiment of the present invention, similar to the first embodiment, when the acquisition unit 311 acquires a processing step switching response, the display unit 360 displays the ATM operation waiting screen G60 (Figure 15) (S313). At this time, the processing unit 312 sets "PIN entry" as the current processing step and sets the ATM 20 as the input waiting terminal.

[0166] When the current processing step is "PIN entry," the ATM 20 is in a state of waiting for PIN entry. At this time, the display control unit 314 of the smartphone 30 controls the display unit 360 so that an input destination error message is displayed by the display unit 360 based on the fact that an operation has been input to the smartphone 30. In the following, we mainly assume that the operation to the smartphone 30 is an operation to the operation unit 320. However, the operation to the smartphone 30 is not limited to an operation to the operation unit 320.

[0167] Figure 20 shows an example of the display of the ATM operation waiting screen G61 according to a second embodiment of the present invention. Referring to Figure 20, in the ATM operation waiting screen G61, customer U1 has entered an operation into the operation unit 320 even though the ATM 20 is in a state of waiting for the input of a PIN. Note that the operation performed by the customer on the operation unit 320 may be a touch operation or the like, but the type of operation performed by the customer on the operation unit 320 is not limited.

[0168] The display control unit 314 controls the display unit 360 to display the input destination error message M61 "There is an error in the input destination of the operation" based on the fact that an operation has been input to the operation unit 320 by customer U1. The specific content of the input destination error message M61 is not limited.

[0169] <2.5. Effects> According to the second embodiment of the present invention, the same effects as those achieved by the first embodiment can be achieved. Furthermore, according to the second embodiment of the present invention, even if a customer mistakenly inputs an operation to a terminal that is not in an input-waiting state, they will be able to immediately realize that there was an error in the input destination. This is expected to further improve customer convenience.

[0170] The details of the second embodiment of the present invention have been described above.

[0171] <<3. Variant Example>> 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.

[0172] (Variations regarding information about terminals waiting for input) For example, the above mainly described a case in which input waiting terminal information corresponding to the processing step number is transmitted from the financial institution host 10 to the ATM 20 and the smartphone 30, respectively. However, instead of the input waiting terminal information transmitted from the financial institution host 10, input waiting terminal information stored in the storage unit 270 of the ATM 20 and the storage unit 350 of the smartphone 30, respectively, and associated with the processing step number, may be used. In such a case, the input waiting terminal information corresponding to the processing step number does not need to be transmitted from the financial institution host 10 to the ATM 20 and the smartphone 30, respectively.

[0173] (Variations regarding processing order) Furthermore, each step in the processing of the trading system 1 described herein does not necessarily have to be processed chronologically in the order shown in the flowchart. For example, each step in the processing of the trading system 1 may be processed in an order different from the order shown in the flowchart, or may be processed in parallel. [Explanation of symbols]

[0174] 1. Trading System 10 Financial Institution Hosts 110 Control Unit 111 Acquisition Department 112 Processing Unit 113 Communication Control Unit 140 Communications Department 150 Storage section 20 Automated trading device 210 Communications Department 22 Display operation section 23 Control section 25 Display section 270 Storage section 280 Control Unit 281 Acquisition Department 282 Processing Unit 283 Communication Control Unit 284 Display Control Unit 30 Smartphones 310 Control Unit 311 Acquisition Department 312 Processing Unit 313 Communication Control Unit 314 Display Control Unit 320 Control unit 330 Reading Unit 340 Communications Department 350 Storage section 360 Presentation Department 40 Web Servers 410 Control Unit 411 Acquisition Department 412 Processing Unit 413 Communication Control Unit 440 Communications Department 450 Storage section

Claims

1. It is an automated trading device, A communication control unit that controls the transmission of the first operation information used for trading based on the first operation information input to the automated trading device and the second operation information input to the terminal device, When the state of the terminal device is in a state of waiting for the input of the second operation information, a presentation control unit controls the presentation so that information prompting input to the terminal device is presented by the presentation unit of the automated trading device, An automated trading device equipped with the following features.

2. The aforementioned transaction includes multiple processing steps, The presentation control unit controls the presentation unit to present information indicating each of the plurality of processing steps and information indicating which of the plurality of processing steps the current processing step corresponds to. The automated trading device according to claim 1.

3. The plurality of processing steps include a first processing step and a second processing step, In the first processing step, the state of the automated trading device is in a state of waiting for input of the first operation information, and in the second processing step, the state of the terminal device is in a state of waiting for input of the second operation information. The automated trading device according to claim 2.

4. The display control unit controls the display unit to display information indicating that there was an error in the input destination when the terminal device is in a state of waiting for the input of the second operation information, based on the fact that an operation has been input to the automated trading device. An automated trading device according to any one of claims 1 to 3.

5. A terminal device, A communication control unit that controls the transmission of the second operation information used for trading based on the first operation information input to the automated trading device and the second operation information input to the terminal device, When the state of the automated trading device is in a state of waiting for the input of the first operation information, a presentation control unit controls the presentation so that information prompting input to the automated trading device is presented by a presentation unit provided in the terminal device, A terminal device equipped with the following features.

6. The aforementioned transaction includes multiple processing steps, The presentation control unit controls the presentation unit to present information indicating each of the plurality of processing steps and information indicating which of the plurality of processing steps the current processing step corresponds to. The terminal device according to claim 5.

7. The presentation control unit controls the presentation unit to display information indicating that there was an error in the input destination when the state of the automated trading device is in a state of waiting for the input of the first operation information, based on the fact that an operation has been input to the terminal device. The terminal device according to claim 5 or 6.

8. A trading system comprising an automated trading device and a terminal device, The aforementioned automated trading device, A first communication control unit that controls the transmission of the first operation information used for trading based on the first operation information input to the automated trading device and the second operation information input to the terminal device, A first presentation control unit controls the terminal device so that, when the terminal device is in a state of waiting for the input of the second operation information, information prompting input to the terminal device is presented by the first presentation unit of the automated trading device. Equipped with, The aforementioned terminal device is A second communication control unit that controls the transmission of the second operation information, A second presentation control unit controls the system so that, when the state of the automated trading device is in a state of waiting for the input of the first operation information, information prompting input to the automated trading device is presented by a second presentation unit provided in the terminal device. A trading system equipped with the following features.

9. The aforementioned trading system includes a server, The second communication control unit, The second operation information, the device identification information which is the identification information of the automated trading device, and the user identification information which is the identification information of the user using the terminal device are controlled to be transmitted to the server. The aforementioned server, The system includes a processing unit that stores the user identification information and the device identification information in association. The transaction system according to claim 8.

10. The transaction includes a first processing step, The first operation information includes the first authentication information, The processing unit performs authentication processing in the first processing step based on the first authentication information input to the automated trading device identified by the device identification information and the second authentication information pre-associated with the user identification information. The trading system according to claim 9.

11. The first display control unit controls the display of an information code containing the device identification information, The terminal device includes an acquisition unit that acquires the device identification information to be transmitted to the server from the information code read by the reading unit. The trading system according to claim 9 or 10.

12. A method executed by a trading system comprising an automated trading device and a terminal device, The aforementioned automated trading device Controlling the transmission of the first operation information used for trading based on the first operation information input to the automated trading device and the second operation information input to the terminal device, When the state of the terminal device is in a state of waiting for the input of the second operation information, the system is controlled so that information prompting input to the terminal device is presented by the first presentation unit of the automated trading device. The aforementioned terminal device Controlling the transmission of the second operation information, When the state of the automated trading device is in a state of waiting for the input of the first operation information, the terminal device is controlled to display information prompting input to the automated trading device by a second display unit, Methods that include...

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