Information processing device, information processing method, and program

Abstract

To support the expansion of ATM-based transaction services. [Solution] An information processing device comprising: a storage means for storing information that can identify a user and the user's biometric information in association with each other; an acquisition means for acquiring biometric information entered by a user through the operation of an ATM; a determination means for identifying the user operating the ATM and determining the number of transactions by that user based on the result of comparing the acquired biometric information with the biometric information stored in the storage means; and a display control means for causing the ATM to display the result of the determination.

Description

Technical Field

[0001] The present disclosure relates to an information processing apparatus, an information processing method, and a program.

Background Art

[0002] Conventionally, a mechanism has been known that enables users to use services such as deposits and withdrawals provided by financial institutions via ATMs installed in convenience stores and the like. With such a mechanism, a user can use services such as deposits and withdrawals of a financial institution through operations of an ATM without visiting the window of the financial institution, for example, and can use services such as deposits and withdrawals regardless of the business hours and location of the window of the financial institution, which is convenient.

[0003] A mechanism is known that gives incentives for using transaction services by granting privileges or the like to users according to the use of various transaction services provided by financial institutions via ATMs.

[0004] For example, Patent Document 1 discloses a point management method that can efficiently perform a point service for a user's deposit account. Points are determined from amounts such as debit amounts for a deposit account specified by a cash card or the like, and points are provided.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0006] However, when providing transaction services via ATMs, the ATMs may be operated by the financial institution providing the transaction service or its affiliated organization, but they may also be operated by other operating organizations with which the financial institution has a partnership. Therefore, there is a demand to expand the use of transaction services via ATMs provided by specific organizations.

[0007] Furthermore, ATM operators sometimes partner with multiple financial institutions to allow users to access the transaction services of those institutions. This means that, for example, if a user has multiple trading accounts, they can use the transaction services of multiple financial institutions and conduct transactions for each of their accounts by operating the nearest ATM. Therefore, it is expected that the use of trading services will expand even further by providing benefits for using transaction services related to multiple trading accounts held by a user, rather than just a single account.

[0008] The present invention aims to support the expansion of the use of ATM-based transaction services. [Means for solving the problem]

[0009] An information processing device according to one aspect of the present invention includes: a storage means for storing information that can identify a user and the user's biometric information in association with each other; an acquisition means for acquiring biometric information entered by a user through the operation of an ATM; a determination means for identifying the user operating the ATM and determining the number of transactions by the user based on the result of comparing the acquired biometric information with the biometric information stored in the storage means; and a display control means for causing the ATM to display the result of the determination. This embodiment can support the expansion of ATM-based transaction services.

[0010] An information processing method according to one aspect of the present invention includes a storage step in which one or more computers store information that can identify a user in association with the user's biometric information; an acquisition step in which biometric information entered by a user through the operation of an ATM is acquired; a determination step in which the user operating the ATM is identified and the number of transactions of the user is determined based on the result of comparing the acquired biometric information with biometric information stored in the storage means; and a display control step in which the ATM displays the result of the determination. This embodiment can support the expansion of ATM-based transaction services.

[0011] A program according to one aspect of the present disclosure causes one or more computers to perform a storage step of storing user-identifying information and the user's biometric information in association; an acquisition step of acquiring biometric information entered by the user through the operation of an ATM; a determination step of identifying the user operating the ATM and determining the number of transactions by the user based on the result of comparing the acquired biometric information with the biometric information stored in the storage means; and a display control step of causing the ATM to display the result of the determination. This embodiment can support the expansion of ATM-based transaction services. [Effects of the Invention]

[0012] According to the present invention, it is possible to support the expansion of the use of transaction services via ATMs. [Brief explanation of the drawing]

[0013] [Figure 1] The configuration of an information processing system relating to one aspect of this disclosure is shown. [Figure 2] The configuration of an ATM according to one aspect of this disclosure is shown. [Figure 3] This shows the hardware configuration of an information processing device relating to one aspect of this disclosure. [Figure 4] This shows the functional configuration of an information processing device according to one aspect of this disclosure. [Figure 5] Shows an overview of the information to be stored according to one aspect of the present disclosure. [Figure 6] Shows an overview of the information to be stored according to one aspect of the present disclosure. [Figure 7] Shows an overview of the information to be stored according to one aspect of the present disclosure. [Figure 8] Shows an overview of the information to be stored according to one aspect of the present disclosure. [Figure 9] Shows a screen display by an information processing system according to one aspect of the present disclosure. [Figure 10] Shows a screen display by an information processing system according to one aspect of the present disclosure. [Figure 11] Shows a screen display by an information processing system according to one aspect of the present disclosure. [Figure 12] Shows a screen display by an information processing system according to one aspect of the present disclosure. [Figure 13] Shows a screen display by an information processing system according to one aspect of the present disclosure. [Figure 14] Shows a screen display by an information processing system according to one aspect of the present disclosure. [Figure 15] It is a diagram for explaining the operation of an information processing system according to one aspect of the present disclosure. [Figure 16] [[ID=e34]]It is a diagram for explaining the operation of an information processing system according to one aspect of the present disclosure.

Mode for Carrying Out the Invention

[0014] Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. In each figure, those denoted by the same reference numerals have the same or similar configurations.

[0015] 1. Configuration of Information Processing System Figure 1 illustrates the configuration of an information processing system 1 according to one aspect of this disclosure. The information processing system 1 comprises an ATM (Automatic Teller Machine) (sometimes called a cash deposit and withdrawal device) 10, an information processing device 30, and a financial transaction server device 70. Each device and system constituting the information processing system 1 is connected to each other via a communication network N.

[0016] Communication network N is a wired or wireless network. Examples include the Internet, LAN (Local Area Network), dedicated lines, telephone lines, corporate networks, mobile communication networks, Bluetooth®, WiFi (Wireless Fidelity), other communication lines, and combinations thereof. Each component of information processing system 1 may be located within the same facility or within different facilities.

[0017] (ATM) ATM10 is a device that allows users (sometimes referred to as "users" in this disclosure) to operate and receive transaction services. In recent years, ATM10s have become widely installed in public spaces such as financial institutions, convenience stores, commercial facilities, train stations, and airports. Furthermore, the diversification of transaction services that can be received through the operation of ATM10 is progressing. Examples, though not limited to, include deposits and withdrawals in a transaction account, opening a transaction account and managing various notification information, payment of various fees such as utility bills, receiving funds, remittances, donations, various applications related to identity verification documents (such as My Number cards), management of various deadlines (such as residence permits for foreigners), receiving various tickets, and various procedures such as hotel check-in. Transaction services may be financial services or non-financial services. Also, in this disclosure, "deposits and withdrawals" is not limited to cash deposits and withdrawals, but may also include remittances, donations, and transfers via automatic debit.

[0018] Figure 2 illustrates the external appearance of the ATM 10. The ATM 10 includes a main display unit 101, a card reader unit 102 for accepting magnetic cards such as cash cards, a banknote deposit / withdrawal unit 103 for inserting and removing banknotes, an operation unit 104 for user operation, a code reader unit 105 for reading codes such as barcodes and 2D codes, an optical reader unit 106, a stand 107, a sub-display unit 108, a contactless IC communication unit 109, and a camera 110, as well as a storage unit 111 (not shown).

[0019] The main display unit 101 includes, for example, a display means such as a liquid crystal display and an input means such as a touch panel for receiving user input. The display means displays a screen or input keys that guide the user's operation, and the user can input information corresponding to the input keys by pressing these input keys on the touch panel. Alternatively, the user can input the same information by operating the input means (such as a numeric keypad) of the operation unit 104 instead of the input means displayed on the main display unit 101.

[0020] The optical reading unit 106 is, for example, an image scanner, and can read photographs and text attached to the surface of an IC card or the like placed on the stand 107 as an image. The stand 107 has a surface that is substantially horizontal to the ground, and the optical reading unit 106 can obtain an image of consistent quality without being affected by hand tremors or the like.

[0021] The sub-display unit 108 has a display means, such as a liquid crystal display, and is installed on the surface of the stand 107. The sub-display unit 108 may have only a display means, or, like the main display unit 101, it may have an input means in addition to a display means. The sub-display unit 108 may display a screen that guides the user to place an IC card or the like to be read by the optical reader 106. This allows even users unfamiliar with operating the ATM 10 to operate it smoothly without confusion.

[0022] The contactless IC communication unit 109 is, for example, a contactless IC reader / writer and is installed inside the base 107. The contactless IC communication unit 109 can communicate with a contactless IC chip mounted on an IC card or the like, and can read and write information stored on the contactless IC chip. The contactless IC communication unit 109 can communicate with the contactless IC chip when an IC card or the like is placed on the base 107.

[0023] ATM 10 has a biometric information collection means. The biometric information collection means can collect biometric information of the user operating ATM 10. Camera 110 is an example of a biometric information collection means. Camera 110 is a camera device that can capture video or still images. Camera 110 is installed so as to capture a facial image of the user operating ATM 10.

[0024] ATM 10 may be equipped with an authentication means that transmits and receives various information with an authentication server device (not shown) connected via a communication network N to verify the user's identity. In one embodiment, the authentication means allows, for example, a user to log in to their trading account's My Page using a cash card. The trading account's My Page can be a platform for the user to use various services (transaction services) related to that trading account. In another embodiment, the authentication means allows, for example, when a user logs in to their trading account's My Page, to verify their identity using an identification code and facial image for facial recognition transactions. For example, a different identification code and facial image are registered in the authentication server device for each trading account at the financial institution where the transaction takes place. This identification code only needs to be notified to the user in advance. The user operates ATM 10 to enter the identification code and takes a facial photograph in front of ATM 10. Then, ATM 10 queries the authentication server device based on the entered identification code, reads the facial image linked to the identification code, and compares it with the facial photograph (facial image) taken by the user in front of ATM 10. If the ATM 10 determines that facial recognition is successful, for example, by finding a certain number of matching feature points, it will display the user's account's My Page (for example, the screen for selecting transaction details as illustrated in Figure 10). This allows the user to log in to the ATM 10's account's My Page without using a cash card.

[0025] The ATM 10 may have an authentication information storage means for storing the information used for authentication. The authentication information storage means stores an identification code, the user's facial information (e.g., a facial image or information on multiple facial feature points), and information identifying the transaction account (financial institution code / operating company code, branch code, account number / member number, etc.). The information identifying the transaction account includes information on accounts that can be used for transactions via the ATM 10, such as accounts at financial institutions like banks and member numbers for smartphone payments. The facial image used for authentication and the information identifying the transaction account may also be passed to the acquisition means 322, which will be described later.

[0026] (Information processing device) The information processing device 30 has a functional configuration described later and is a device that performs various processes based on the user's operations on the ATM 10. The information processing device 30 is not particularly limited, but examples include desktop computers, laptop computers, and other dedicated or general-purpose computers. The information processing device 30 may consist of a single computer or multiple computers on a communication network N.

[0027] (Financial transaction server equipment) The financial transaction server device 70 is a general-purpose computer installed in financial institutions, smartphone payment service providers, etc. Based on information such as transaction instructions and amounts received from the ATM 10, the financial transaction server device 70 executes procedures such as deposits and withdrawals to the relevant account, balance inquiries, transfers, and remittances.

[0028] In this disclosure, the information processing system 1 is described as comprising an ATM 10, an information processing device 30, and a financial transaction server device 70. However, it is not necessarily limited to this, as long as the expansion of the use of transaction services is supported by the realization of the functions of the information processing device 30, which will be described later. For example, the ATM 10 may also perform the functions of the information processing device 30. The information processing device 30 may also perform the functions of the ATM 10.

[0029] 2. Hardware Configuration Figure 3 illustrates the hardware configuration of the information processing device 30. The information processing device 30 comprises a processor 30a, a storage device 30b, a communication interface 30c, an input device 30d, and an output device 30e.

[0030] Processor 30a includes CPU (Central Processing Unit), GPU (Graphics Processing Unit), etc.

[0031] The storage device 30b is a memory, HDD (Hard Disk Drive), and / or SSD (Solid State Drive), etc. The memory is, for example, RAM (Random Access Memory) and / or ROM (Read Only Memory).

[0032] The communication IF30c is a device that communicates data with other devices via a communication network N, either by wire or wirelessly.

[0033] The input device 30d accepts information input. For example, it may be a keyboard, touch panel, mouse, camera, and / or microphone.

[0034] The output device 30e outputs information. For example, it may be a display, a touch panel, and / or a speaker.

[0035] Since the hardware configurations of the ATM 10, financial transaction server device 70, and authentication server device can be the same as those of the information processing device 30, a detailed explanation is omitted.

[0036] 3. Functional Configuration Figure 4 illustrates the functional configuration of the information processing device 30. The information processing device 30 comprises a storage unit 310 and a control unit 320. The control unit 320 may include a display control means 321, an acquisition means 322, and a determination means 323. The storage unit 310 can be realized using a storage device 30b of the information processing device 30. Each configuration of the control unit 320 can be realized by the processor 30a of the information processing device 30 executing a program stored in the storage device 30b. This program can be stored in a storage medium. The storage medium on which the program is stored may be a non-transitory computer-readable medium. The non-transitory storage medium may be, for example, a USB (Universal Serial Bus) memory or a CD-ROM (Compact Disc Read-Only Memory).

[0037] (Storage part) The storage unit (storage means) 310 stores various types of information necessary for the operation of the information processing device 30. For example, the storage unit 310 stores data such as correspondence data 311, transaction history data 312, and transaction summary data 313. The following describes an overview of the information stored in this data with reference to Figures 5 to 8.

[0038] Correspondence data 311 stores information that can identify a user in association with the user's biometric information. Information that can identify a user includes user information such as name and telephone number (TEL), an identification code that is notified only to the user in advance, and identification information related to the trading account in the user's name (which may be referred to as "trading account information" in this disclosure). Figure 5 shows an example of correspondence data 311. As shown in Figure 5, correspondence data 311 can store information that can identify a user in association with biometric information for each user. In the example in Figure 5, for user U1, biometric information b110 and b120, name, telephone number and identification code, and trading account information ac110 and ac120 are stored in association.

[0039] Figure 6 is a diagram illustrating the correspondence between biometric information and trading account information in the correspondence data 311. As shown in Figure 6, multiple biometric information may be associated and stored for a single trading account. Specifically, for example, facial information and iris information may be registered (stored together) for a single trading account. Registering multiple biometric information is useful because even if matching a predetermined biometric information fails, other biometric information can be used for matching. For example, due to changes in facial appearance, it may become difficult to successfully match a facial image taken one month ago with a facial image taken one month later, even if it is the same person. In such cases, registering biometric information other than the facial image, such as an iris image, makes it possible to use the iris image for matching to confirm that the transactions are by the same person, which is useful.

[0040] Furthermore, as shown in Figure 6, multiple trading account information may be associated with and stored for a single biometric data point. Specifically, for example, the facial information of the same person may be associated and stored for both trading account 1 and trading account 2. This makes it possible to track that transactions in different trading accounts are being made by the same person.

[0041] The transaction history data 312 stores transaction details information (transaction details), user identification information or user biometric information, and transaction account information for each use of the transaction service. Transaction details information may include, for example, the content of the transaction service (transfer, deposit, withdrawal, account opening, change of various notification information, payment of utility bills, etc.) and the date and time of the transaction. There are no particular limitations on the criteria for storing the use of a transaction service as history, but they may be determined, for example, based on the transaction details or the date and time of the transaction. Specifically, for example, a use with the transaction details of "deposit" in the 10:00 AM hour on September 1, 2024 may be stored as one transaction history. Figure 7 illustrates an overview of the information stored in the transaction history data 312. In the example in Figure 7, transaction D1 stores biometric information b110, transaction account information ac110, transaction details (transfer), and the date and time of the transaction. The transaction history data 312 may store only the transaction service usage history when the biometric information matching by the determination means 323 described later is successful. The transaction service usage history when the biometric information matching is unsuccessful may be stored in the transaction history data 312 without biometric information.

[0042] Transaction summary data 313 stores the number of times the transaction service has been used (sometimes referred to as "number of transactions" in this disclosure) for each user. Transaction summary data 313 is compiled from transaction history data 312, and includes transaction histories associated with one or more biometric information corresponding to the same user in correspondence relationship data 311. Transaction summary data 313 may be generated based on transaction history data 312 at predetermined intervals. Figure 8 illustrates an overview of the information stored in transaction summary data 313. In the example in Figure 8, transaction history is compiled and stored for each user for the month of September 2024. For example, user U1 has a total of three transaction counts stored: a transfer to transaction account 1 on September 2, 2024, a transfer to transaction account 2 on September 13, 2024, and a withdrawal to transaction account 1 on September 26, 2024.

[0043] The functional configuration of the control unit 320 will be described below with reference to Figures 9-14. In the following explanation, the case where the trading service is a deposit or withdrawal in a trading account will be used as an example.

[0044] (Display control means: First display control means) The display control means 321 controls the display of the ATM 10. The display control means 321 may include a first display control means 321a. The first display control means 321a causes the ATM 10 to display a screen related to the registration of biometric information. The user can register biometric information for their trading account (initial registration) according to the display on the screen related to the registration of biometric information.

[0045] Figures 9-11 illustrate screen D800 related to biometric information registration. Screen D800 in Figure 9 may be displayed on ATM 10 when a transaction to a designated trading account is completed. Screen D800 displays the message d810, "Do you want to register biometric information to your account?", along with a button d820 labeled "Register biometric information". When the user selects button d820, the process of registering biometric information to the trading account used for the transaction is initiated.

[0046] Figure 10 illustrates screen D900, which is displayed on ATM 10 and allows the user to select a transaction. Screen D900 is an example of a screen for selecting a transaction to be performed on a designated transaction account to which the user is logged in using a cash card or facial recognition. The screen for selecting a transaction may be displayed on the user's My Page, which is used to access transaction services after the user has verified their identity and logged in. Screen D900 displays a message such as "Please select a transaction," along with buttons for "Withdrawal" and "Deposit," as well as a button d910 for "Register Biometric Information." When the user selects button d910, the system is instructed to begin the process of registering biometric information to the transaction account to which the user is logged in.

[0047] Figure 11 illustrates screen D1000, which is displayed on ATM 10 to confirm the registered biometric information. Screen D1000 displays the facial photograph d1010 and the trading account information d1011 associated with the facial photograph d1010 as biometric information. As shown on screen D1000, other trading account information d1012 associated with the facial photograph d1010 may also be displayed. For example, if a user attempts to associate the trading account information d1011 of trading account 1 with the facial photograph d1010, and there is another trading account (trading account 2) already registered for the facial photograph d1010, the facial photograph d1010 and the trading account information for trading accounts 1 and 2 associated with the facial photograph d1010 may be displayed. When the user selects the "Register" button d1013, they are instructed to associate and store the facial photograph d1010 and trading account information d1011, and the facial photograph d1010 and trading account information d1012, respectively.

[0048] In other configurations, the display control means 321a may display a screen for the user to register new biometric information when it detects a change in the user's appearance from the user's facial image. For example, a change in appearance may be detected when, after comparing the facial image taken by the user in front of the ATM 10 with the facial image stored in the correspondence data 311, the number of matching feature points in a part of the face falls below a certain number. At this time, the user is offered a suggestion to update their biometric information. This suggestion can be made, for example, by displaying a message on the ATM 10 such as "Do you want to update the biometric information for your account?" or "Biometric information matching for your account failed. Please update your biometric information." when a transaction for a predetermined transaction account is completed. Furthermore, since biometric features such as facial appearance are expected to change over time, unlike information such as name, the system may automatically suggest updating the biometric information after a predetermined period has elapsed since the registration of the biometric information. By providing a mechanism for updating biometric information in this way, improved security can also be expected.

[0049] (Acquisition method) The acquisition means 322 acquires the user's biometric information via the ATM 10. The biometric information is information about the user's body that identifies the user, and includes, for example, facial features, fingerprints, voiceprints, iris, veins, and retina.

[0050] In this disclosure, the acquisition of information may include receiving information input, receiving information from other devices via the communication network N, and reading information stored in the storage unit 310.

[0051] The acquisition means 322 can, for example, activate the biometric information collection means of the ATM 10 and acquire biometric information from the collected data. For example, the acquisition means 322 can activate the camera of the ATM 10 to take a photograph of the user's face and acquire the captured data as biometric information. Alternatively, for example, the acquisition means 322 can activate the fingerprint scanner of the ATM 10 to scan the user's fingerprint and acquire the scanned data as biometric information. The acquired biometric information is stored in the storage unit 310 in association with information that can identify the user.

[0052] The acquisition means 322 may further acquire information that can identify the user. For example, the acquisition means 322 may acquire the name and telephone number entered by the user when they perform identity verification through the operation of the ATM 10 and log in to their My Page to use the transaction service. The acquired information that can identify the user is stored in the storage unit 310 in association with the user's biometric information.

[0053] The acquisition means 322 may further acquire information about the transaction account used by the user when operating the ATM 10. Transaction account information is information that identifies the transaction account and may include information such as the name of the bank, the name of the branch, the type of transaction account, and the account number. For example, the acquisition means 322 acquires the transaction account information entered by the user when they perform identity verification through operating the ATM 10 and log in to their My Page to use the transaction service. For example, it acquires transaction account information from information read from a cash card. For example, it acquires transaction account information read from the stored data of the authentication server device based on the user's identification code and facial image. The acquired transaction account information is stored in the correspondence data 311 in association with biometric information, or in the transaction history data 312.

[0054] Furthermore, the acquisition means 322 may also acquire transaction details information. For example, the acquisition means 322 may acquire transaction details entered by the user through the operation of the ATM 10, as well as information regarding the date and time of the operation. The acquired transaction details information is stored in the transaction history data 312 as a transaction history.

[0055] (judgment means) The determination means 323 identifies the user operating the ATM 10 based on the user's biometric information and determines the number of transactions performed by that user. In one embodiment, the determination process may include (1) matching biometric information and (2) identifying the user operating the ATM.

[0056] (1) Verification of biometric information The determination means 323 refers to the correspondence relationship data 311 and compares the biometric information acquired by the acquisition means 322 with the biometric information stored in the correspondence relationship data 311. For example, the determination means 322 may refer to the correspondence relationship data 311 and read out biometric information similar to the biometric information acquired by the acquisition means 322, and use it as the target for comparison. The determination means 323 may refer to the correspondence relationship data 311 and read out biometric information that is stored in association with user-identifying information acquired by the acquisition means 322 along with the biometric information, and use it as the target for comparison. The extraction and comparison of similar biometric information may be performed using well-known image processing methods. For example, similar biometric information can be extracted and compared based on whether a certain number of feature points in a face image match or not.

[0057] (2) Identifying the user operating the ATM (see Figure 5) The determination means 323 identifies the user operating the ATM 10 based on the matching result. For example, the determination means 323 determines that the matching result was successful between the biometric information n110 acquired by the acquisition means 322 and the biometric information b110 stored in the correspondence relationship data 311. The determination means 323 then identifies that the information of user U1 in the correspondence relationship data 311, where biometric information b110 is stored, is the information of the user operating the ATM 10.

[0058] In one embodiment, the determination process may further include (3) storing it in the transaction history.

[0059] (3) Recording of transaction history (see Figure 7) The determination means 323 stores the transaction details information and transaction account information acquired by the acquisition means 322 in the transaction history data 312, along with the verified biometric information. For example, the determination means 323 stores the transaction details information and transaction account information in the transaction history data 312, along with the biometric information b110 stored in the correspondence relationship data 311 as information of user U1 identified in (2).

[0060] In one embodiment, the determination process may further include (4) obtaining determination criteria and (5) determining the number of transactions for each user based on the determination criteria.

[0061] (4) Acquisition of judgment criteria The determination means 323 acquires the determination criteria. The determination criteria may be referenced via input from another device, or they may be stored in advance in the storage unit 310 and referenced therefrom. The determination criteria define the transaction history to be used to determine the number of transactions for each user.

[0062] The criteria for determination may include a target period that specifies the period during which the transactions took place. For example, if the target period is from September 1, 2024 to September 30, 2024, the determination means 323 uses the user's transaction history from September 1, 2024 to September 30, 2024 to determine the number of transactions.

[0063] The determination criteria may include a target trading account that identifies the trading account used for the transaction. For example, if the target trading account is a trading account at Bank A, the determination means 323 uses the transaction history using Bank A's trading account from the usage history associated with the user's biometric information to determine the number of transactions. The target trading account may be identified based on biometric information. The target trading account may be a trading account associated with a predetermined biometric information. For example, it may be all trading accounts associated with biometric information b110. The target trading account may be a trading account of a predetermined financial institution associated with a predetermined biometric information. The target trading account may be a trading account associated with each of the one or more biometric information of the user identified by the predetermined biometric information.

[0064] The criteria for determination may include the details of the transaction in question. Examples of transaction details include deposits and transfers, but are not limited to those related to deposits and withdrawals. When the transaction in question is a transfer, the determination means 323 uses the transaction history of transactions where the transaction details are transfers to determine the number of transactions.

[0065] The examples of elements included in the above-mentioned criteria can be used in combination as appropriate.

[0066] (5) Extraction of transaction history and determination of the number of transactions based on the judgment criteria The determination means 323 refers to the transaction history data 312 based on the determination criteria and extracts the transaction history. For example, suppose the determination criteria is "the number of times various services related to the transaction account associated with biometric information b310 were used from September 1, 2024 to September 30, 2024." In this case, the determination means 323 extracts transaction history from the transaction history data 312, as illustrated in Figure 7, that satisfies the target period and target transaction account included in the determination criteria. As a result of the extraction, transaction summary data 313, as illustrated in Figure 8, may be generated. The number of transactions may be determined based on the number of transactions in the extracted transaction history information. In the example in Figure 8, since there are 3 transaction history entries extracted for user U1, it is determined that the number of transactions is 3.

[0067] In one embodiment, the determination means 323 may further determine the number of transactions required to issue a coupon or other benefit to a predetermined user. In this case, the determination process may further include (6) obtaining the benefit issuance criteria, and (7) evaluating the number of transactions determined based on the determination criteria (hereinafter sometimes referred to as the "determined number of transactions") based on the benefit issuance criteria.

[0068] (6) Acquisition of criteria for issuing benefits The determination means 323 obtains the reward issuance criteria. The reward issuance criteria may be referenced via input from another device, or they may be stored in advance in the storage unit 310 and referenced therefrom. The reward issuance criteria define the conditions under which a reward can be issued. For example, a reward issuance criterion is that the number of transactions is greater than or equal to a predetermined number. The reward issuance criteria may use some or all of the determination criteria described above, or they may have elements similar to the determination criteria but independently possess them.

[0069] (7) Evaluation of the number of transactions for which a reward is issued is based on the criteria for issuing the reward. The determination means 323 evaluates whether a reward can be issued based on the reward issuance criteria and the number of judgment transactions. For example, if the reward issuance criteria is "the number of judgment transactions is 4 or more," the determination means 323 evaluates that a reward can be issued if the number of judgment transactions for the user's transaction service is 4 or more.

[0070] (Display control means: Second display control means) The display control means 321 may include a second display control means 321b. The second display control means 321b causes the ATM 10 to display the result determined by the determination means 323. For example, it may display the number of transactions to be determined on the ATM 10. For example, it may display whether or not a coupon can be issued on the ATM 10. For example, it may display the number of transactions required before a coupon can be issued on the ATM 10.

[0071] Figures 12-13 illustrate the screens that display the results of the assessment. Figure 11 illustrates the screen D1100 displayed on ATM 10 after the transaction is completed. Screen D1100 displays the number of transactions d1110, which indicates that "XX's number of transactions at Bank A this month" is "2". Screen D1100 also displays the number of transactions d1120 required to become eligible for a coupon, along with a message stating, "You will receive a coupon after 2 more transactions this month."

[0072] Figure 14 illustrates the screen D1200 displayed on ATM 10 after a transaction is completed. Screen D1200 shows the number of transactions for "XX's transaction count this month," such as "Bank A: 2 times," "Bank B: 0 times," and "Bank C: 1 time," with the transaction counts d1210, d1211, and d1212 displayed.

[0073] (Display control means: Third display control means) The display control means 321 may include a third display control means 321c. The third display control means 321c causes the ATM 10 to display a screen in which the user can select to issue a coupon. Figure 13 illustrates the screen D1300 displayed on the ATM 10 for selecting to issue a coupon. The screen D1300 displays the message "There are coupons available" indicating that a coupon can be issued, and also displays a button d1310 labeled "Issue Coupon". When the user selects button d1310, the coupon is issued.

[0074] 4.Operation Figure 15 shows an example of the operation of the information processing system 1 when a user registers biometric information linked to a trading account (initial registration of biometric information).

[0075] Once the user verifies their identity using a cash card, identification code, facial recognition, or other means and completes the transaction, the information processing device 30 displays a screen for registering biometric information on the ATM 10, as illustrated in Figure 9 (Step: S100).

[0076] When a user takes a picture of their face with the ATM 10's camera, the face image is transmitted to the information processing device 30 (step S101).

[0077] The information processing device 30 associates the trading account information of the trading account in which the user has made a transaction with the facial image and stores it in the correspondence relationship data 311 of the storage unit 310 (step: S102).

[0078] Figure 16 shows an example of the operation of the information processing system 1 when determining the number of transactions a user has made.

[0079] The user verifies their identity using means such as a cash card, identification code, and facial recognition, and logs in to the My Page of their desired trading account (Step: S200). The information processing device 30, using the acquisition means 322, acquires the trading account information and biometric information entered by the user when the user logs in to their My Page (Step: S201).

[0080] Next, the information processing device 30 uses the determination means 323 to refer to the correspondence data 311 and read out the biometric information associated with the transaction account information acquired in step S201. The determination means 323 also compares the read biometric information with the biometric information acquired in step S210 (step: S202).

[0081] If it is determined that the reading biometric information and the biometric information acquired in step S210 have been matched successfully, for example, by matching a certain number of feature points in the image (step: S203: YES), the process proceeds to step S208. If it is determined that the matching has failed (step: S203: NO), the process may return to acquiring biometric information.

[0082] The information processing device 30 identifies that the biometric information stored in the correspondence relationship data 311 targeted for matching corresponds to the user information stored in association with the information of the user operating the ATM 10 (Step: S208).

[0083] ATM10 displays a screen where the user selects the transaction details, as illustrated in Figure 10 (Step: S204).

[0084] When a user selects a transaction such as "deposit" on the screen for selecting transaction details, the ATM 10 sends a transaction request to the financial transaction server device 70 (step: S205). At this time, the information processing device 30 acquires the transaction details and stores them in the transaction history data 312 along with the biometric information that was successfully verified in step S203 (step: S209).

[0085] Once the transaction is complete, the financial transaction server device 70 notifies the ATM 10 of the transaction completion (step S206), and the ATM 10 displays a transaction completion screen (step S207).

[0086] The information processing device 30 obtains a determination criterion using the determination means 323 (step: S210). The determination means 323 also extracts transaction histories that satisfy the determination criterion from the transaction history data 312 based on the determination criterion (step: S211) and generates transaction summary data 313. The determination means 323 also determines the number of transactions based on the transaction summary data 313. For example, the number of transaction histories included in the transaction summary data 313 is determined as the number of transactions.

[0087] The information processing device 30 causes the ATM 10 to display the determination result using the second display control means 321b (step: S212).

[0088] 5. Effects As described above, this disclosure supports the expansion of ATM-based transaction services. For example, by using biometric information to determine the number of times a user uses the transaction service, it becomes possible to understand how often the same person uses the transaction service. This makes it possible to understand the number of times multiple transaction accounts linked to biometric information are used (number of transaction service uses on an individual basis), rather than being limited to the number of uses per transaction account. As a result, it becomes possible to promote campaigns and provide benefits on an individual basis, rather than being limited to promotions and benefits based on the number of uses per transaction account. In addition, by being able to understand the usage history on an individual basis, the use of ATM-based transaction services by users will expand, and it is also useful in encouraging visits to branches where ATMs are installed. Furthermore, in one embodiment, since the number of uses of multiple transaction accounts can be understood using biometric information, security is improved compared to linking multiple accounts based on information that is easily misused by others, such as names or numbers assigned to transaction accounts. Furthermore, in one embodiment, incentives are provided for using ATMs that implement the benefit provision system of this disclosure, so it is expected that the use of ATM-based transaction services provided by specific institutions will expand.

[0089] It should be noted that the present invention is not limited to the embodiments described above, and can be implemented in various other forms without departing from the spirit of the invention. For this reason, the above embodiments are merely illustrative in all respects and should not be interpreted restrictively. For example, the order of each processing step described above can be arbitrarily changed or executed in parallel, as long as there is no inconsistency in the processing content. [Explanation of symbols]

[0090] 1...Information processing system, 10...ATM, 30...Information processing device, 30a...Processor, 30b...Storage device, 30c...Communication IF, 30d...Input device, 30e...Output device, 70...Financial transaction server device, 101...Main display unit, 102...Card reading unit, 103...Banknote deposit / withdrawal unit, 104...Operation unit, 105...Code reading unit, 106...Optical reading unit, 107...Stand, 108...Sub-display unit, 109...Contactless IC communication unit, 110...Camera, 310...Storage unit, 311...Correspondence relationship data, 312...Transaction history data, 313...Transaction summary data, 320...Control unit, 321...Display control means, 321a...First display control means, 321b...Second display control means, 321c...Third display control means, 322...Acquisition means, 323...Determination means

Claims

1. A storage means that stores user-identifiable information in association with the user's biometric information, A means for acquiring biometric information entered by a user through ATM operation, A determination means identifies the user operating the ATM and determines the number of transactions by that user based on the result of comparing the acquired biometric information with the biometric information stored in the storage means. The ATM is provided with a display control means for displaying the result of the determination, An information processing device equipped with the following features.

2. The determination means further determines the total number of transactions related to one or more trading accounts associated with the acquired biometric information. The information processing apparatus according to claim 1.

3. The determination means evaluates the number of transactions by the user based on predetermined criteria for issuing benefits. The information processing apparatus according to claim 1.

4. The display control means causes the ATM to display the number of transactions required to issue the benefit to the user. The information processing apparatus according to claim 3.

5. The display control means causes the ATM to display an object for receiving instructions from the user regarding the issuance of benefits. The information processing apparatus according to claim 2.

6. The determination means determines the number of transactions made by the user based on information regarding transactions in which the date and time of the transaction made by the user falls within a predetermined period. The information processing apparatus according to claim 1.

7. One or more computers, A memory step involves associating and storing user-identifiable information with the user's biometric information, The acquisition step involves obtaining biometric information entered by the user through ATM operation, A determination step is to identify the user operating the ATM and determine the number of transactions conducted by that user, based on the result of comparing the acquired biometric information with biometric information stored in the storage means. A display control step that causes the ATM to display the result of the determination, and An information processing method that performs [this action].

8. On one or more computers, A memory step involves associating and storing user-identifiable information with the user's biometric information, The acquisition step involves obtaining biometric information entered by the user through ATM operation, A determination step is to identify the user operating the ATM and determine the number of transactions conducted by that user, based on the result of comparing the acquired biometric information with biometric information stored in the storage means. A display control step that causes the ATM to display the result of the determination, and A program that executes something.

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