Linkage program, linkage method, and linkage device

Abstract

To provide a cooperation program, cooperation method, and cooperation device that increase work efficiency of a money receiving / payment operation.SOLUTION: In a cooperation system, processing for a financial institution to cooperate with an automatic teller machine causes a computer to execute processing including: displaying an input screen that receives transaction content of a money receiving / payment operation; receiving input of transaction content; acquiring an identity verification document that verifies a user who requests a transaction of the money receiving / payment operation; generating a two-dimensional code expressing content required when an operation device executes the money receiving / payment operation using the transaction content and the identity verification document; and allowing output of the generated two-dimensional code.SELECTED DRAWING: Figure 6

Description

[Technical field]

[0001] The present disclosure relates to a linking program, a linking method, and a linking device. [Background technology]

[0002] From the viewpoint of security, financial institutions set a limit on the amount of deposits and withdrawals at automatic teller machines (ATMs). When a customer wishes to carry out a transaction that exceeds the limit, the customer may be required to complete a procedure at the counter of the financial institution. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2015-108889 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, when a customer makes a deposit or withdrawal procedure at a counter, the financial institution's counter staff must deal with each customer individually. This increases the time that the counter staff is required to spend and reduces the work efficiency of deposit and withdrawal operations.

[0005] The present application has been made in consideration of the above, and aims to improve the efficiency of deposit and withdrawal operations. [Means for solving the problem]

[0006] An integration program according to an embodiment of the present disclosure causes a computer to display an input screen for accepting transaction details for a deposit / withdrawal business, accepts input of the transaction details, acquires identity verification documents to verify the user requesting the deposit / withdrawal business, uses the transaction details and the identity verification documents to generate a two-dimensional code expressing details required when a business device executes the deposit / withdrawal business, and executes a process to allow output of the generated two-dimensional code. Effect of the Invention

[0007] According to one aspect of the embodiment, the efficiency of deposit and withdrawal operations can be improved. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a linkage system according to an embodiment. [Diagram 2] FIG. 2 is an explanatory diagram illustrating an example of a linking process in cooperation with an ATM according to an exemplary embodiment of the present disclosure. [Diagram 3] FIG. 3 is a diagram illustrating an example of a functional configuration of the terminal device according to the embodiment. [Figure 4] FIG. 4 is an explanatory diagram showing an example of an output process for outputting a QR code (registered trademark) used in cooperation with an ATM. [Diagram 5] FIG. 5 is an explanatory diagram showing an example of a screen of an ATM that has read a QR code. [Figure 6] FIG. 6 is a flowchart showing an example of a process for linking with an ATM, which is executed by the terminal device according to the embodiment. [Figure 7] FIG. 7 is an explanatory diagram showing an example of a linkage process that links with a cash dispenser. [Figure 8] FIG. 8 is an explanatory diagram showing an example of an acquisition process for acquiring user information. [Figure 9] FIG. 9 is a diagram illustrating an example of a hardware configuration. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, an embodiment of the present disclosure will be described in detail with reference to the drawings. Note that the present invention is not limited to this embodiment. Details of one or more embodiments are described in the following description and drawings. In addition, multiple embodiments can be appropriately combined within a range that does not cause contradiction in the processing contents. In addition, the same parts in the following one or more embodiments are given the same reference numerals, and duplicated explanations are omitted.

[0010] [1. Configuration of the Collaborative System] First, the configuration of a linkage system according to an embodiment will be described with reference to FIG.

[0011] Fig. 1 is a diagram showing an example of a linkage system 1 according to an embodiment. The linkage system 1 is realized as an environment within a bank branch. As shown in Fig. 1, the linkage system 1 includes a terminal device 100, an ATM 200, and a plurality of bank clerk terminals 300.

[0012] The terminal device 100 is an information processing device used by a customer who visits a bank branch. The terminal device 100 may be any type of information processing device, including a client device such as a tablet PC (Personal Computer) or a notebook PC. In the example of FIG. 1, the terminal device 100 is a tablet PC distributed to the branch. As shown in FIG. 1, a customer who visits the branch receives the terminal device 100 and inputs various application details into the terminal device 100. Although not shown in FIG. 1, the linkage system 1 may include multiple terminal devices 100.

[0013] The ATM 200 is an automatic teller machine (ATM) installed at a branch office. An ATM is also called a self-service machine. The ATM 200 is a business device that enables a customer to deposit and withdraw money by himself / herself. Although not shown in FIG. 1, the linkage system 1 may include multiple ATMs 200.

[0014] The clerk terminal 300 is a bank branch terminal used by bank employees (hereafter referred to as "clerks"). The clerk terminal 300 is linked to various devices within the bank branch. Although not shown in FIG. 1, the clerk terminal 300 is linked to an cash machine installed next to the clerk terminal 300 and a printer installed within the bank branch. The cash machine is a device that counts cash. The printer prints the processing results of the clerk terminal 300 on paper forms.

[0015] Although not shown in FIG. 1, the linkage system 1 may include equipment such as a number ticket acceptance machine, a concierge counter, and an open teller machine.

[0016] 2. ILLUSTRATIVE EMBODIMENTS Next, an exemplary embodiment of the present disclosure will be described in detail with reference to FIG.

[0017] 2-1. Overview of Exemplary Embodiments For security reasons, banks set limits on the amount of money that can be deposited and withdrawn from ATMs. The limits on the amount of money that can be deposited and withdrawn from ATMs are determined by each financial institution. If a bank customer wishes to make a transaction that exceeds the limit, they must complete the procedure at the bank counter.

[0018] For example, from the viewpoint of preventing remittance fraud, assume that a certain bank's ATM deposit and withdrawal limit is set at 300,000 yen. In this example, if a customer wishes to deposit or withdraw more than 300,000 yen, the customer must bring 300,000 yen in cash to the counter, and a bank employee must handle the cash directly at the counter.

[0019] As an example for the purpose of explanation, assume that a customer visits the branch office shown in Figure 1 to deposit 1 million yen. In this case, the current transaction flow is as follows.

[0020] First, a customer who visits a branch gets a reception number from a reception machine and receives a terminal device 100 at the concierge counter. The customer then inputs the details of his / her application into the terminal device 100. After inputting the details of his / her application, the customer hands the terminal device 100 to a bank clerk.

[0021] Next, the bank clerk who has received the terminal device 100 proceeds to a printer in the branch. This printer is linked to the terminal device 100, and outputs a paper on which a QR code (registered trademark) recording the application details entered into the terminal device 100 is printed. The bank clerk then takes the paper and proceeds to the counter together with the customer.

[0022] The bank clerk then uses a QR code reader on the bank clerk terminal 300 to read the QR code from the printed paper. The bank clerk then receives 1 million yen in cash from the customer, and processes this cash in a cash machine installed next to the bank clerk terminal 300. The bank clerk then uses the bank clerk terminal 300 to perform the deposit process. After the deposit process has been completed, a slip is printed out from a printer linked to the bank clerk terminal 300. The printed slip is stored for a long period of time.

[0023] However, in the current transaction flow described above, a bank employee must read the QR code and execute the deposit transaction using the bank employee terminal 300. Furthermore, the bank employee must actually handle cash at the counter. That is, the bank employee must receive cash directly from the customer and check the amount of cash at the cash machine. Thus, in the current transaction, the bank employee performs a series of tasks including reading the QR code, receiving the cash, processing the deposit, and printing out a document. This series of tasks is causing the bank employee to spend longer hours at work. The longer the bank employee spends at work, the more crowded the counter becomes, resulting in longer waiting times at the counter.

[0024] Therefore, the terminal device 100 according to the exemplary embodiment executes the cooperation process described below in order to improve the work efficiency of the bank clerk.

[0025] 1, the terminal device 100 receives from the customer an image of the customer's identity verification document in addition to the customer's deposit / withdrawal information, and generates a QR code from the deposit / withdrawal information. The terminal device 100 then allows the ATM 200 to read the generated QR code. This allows the customer to deposit and withdraw funds at the ATM 200 in amounts exceeding the deposit / withdrawal limit without the bank clerk having to carry out the above-mentioned series of operations.

[0026] This allows the terminal device 100 to reduce the workload of bank staff when a customer makes a transaction that exceeds the deposit / withdrawal limit. In addition, since the time that bank staff are required to work is reduced, the terminal device 100 can also reduce the waiting time for customers at the branch.

[0027] [2-2. Collaborative processing] In the following, the cooperation process according to the exemplary embodiment will be described with reference to FIG.

[0028] 2 is an explanatory diagram showing an example of a linking process with an ATM according to an exemplary embodiment of the present disclosure. In the example of FIG. 2, a customer 10 visits a branch to deposit an amount equal to or greater than the deposit limit. In this example, the terminal device 100 performs a linking process with an ATM 200 so that a bank clerk does not have to perform the above-described series of operations of reading a QR code, receiving cash, performing a deposit process, and printing a document.

[0029] 2, first, the customer 10 receives the terminal device 100 and inputs transaction information into the terminal device 100 (step S1). As in the case of a current transaction, for example, the customer 10 receives the terminal device 100 at a concierge counter and inputs deposit information into the terminal device 100 in the lobby of the business establishment.

[0030] Next, the terminal device 100 acquires an identity verification document of the customer 10 (step S2). In the example of FIG. 2, the terminal device 100 acquires an image of the driver's license of the customer 10 as the identity verification document. The terminal device 100 may also acquire an image of a passport or insurance card as the identity verification document. The identity verification document is checked and approved by a bank employee.

[0031] Next, the terminal device 100 generates a QR code that records the input transaction information (step S3). As shown in Fig. 2, the generated QR code is displayed on the terminal device 100 together with information on the transaction details and personal documents, and a message saying "Please read the QR code at the ATM."

[0032] Thereafter, the customer 10 moves to the ATM 200 and outputs the QR code displayed on the terminal device 100 to the ATM 200 (step S4). The transaction information input to the terminal device 100 is passed to the ATM 200 via the QR code. This enables the ATM 200 to execute a deposit process in cooperation with the terminal device 100.

[0033] As described above, the terminal device 100 issues the transaction information input by the customer 10 as a QR code. Then, the terminal device 100 displays the QR code to the customer 10 so that the customer 10 can have the ATM 200 read the QR code. Therefore, even if the deposit amount is equal to or exceeds the deposit limit, the customer 10 does not need to go through a procedure at the counter, and can deposit money at the ATM 200 using the terminal device 100.

[0034] This allows the terminal device 100 to eliminate the need for a series of tasks performed by bank employees, such as reading QR codes, taking cash, processing deposits, and printing forms, thereby reducing the need for employee intervention. As a result, the time employees are required to work is reduced, improving employee work efficiency. In addition, because there are fewer opportunities to receive cash, employee work such as approval procedures is also reduced. In the future, banks will be able to reduce the number of employees and minimize the number of bank branches.

[0035] On the other hand, the customer 10 can deposit money by himself / herself at the ATM 200. Therefore, the customer 10 can deposit more than the deposit limit without having to wait at the counter.

[0036] Other effects besides the reduction in clerk work and waiting time mentioned above include low maintenance costs. The maintenance and introduction costs of the clerk terminal 300 are higher than those of the terminal device 100, which is a general-purpose tablet. In this regard, the bank can prepare more terminal devices 100, which have low maintenance costs, than the clerk terminals 300, which have high maintenance costs. The above-mentioned linking process enables transactions to be performed using the terminal devices 100, which have low maintenance costs. The bank can currently use the ATM 200 in the bank's branch for this linking process. Since the bank does not need to purchase new equipment, the bank can introduce a service using the linking process at low cost.

[0037] In addition, because transactions that exceed the deposit / withdrawal limit are executed by the ATM 200, the terminal device 100 does not need to output paper responses such as slips. As described above, currently, slips are output from a printer linked to the bank clerk terminal 300 and stored for many years. The terminal device 100 can also go paperless so that slips do not take up storage space. As a result, the terminal device 100 can also reduce the maintenance costs of paper media.

[0038] The terminal device 100 that performs such a cooperative process will be described in detail below.

[0039] 3. Functional configuration of terminal device Next, with reference to FIG. 3, a detailed description will be given of the functional configuration of the terminal device 100 that realizes the cooperation process described above with reference to FIG.

[0040] 3 is a diagram illustrating an example of a functional configuration of the terminal device 100 according to the embodiment. As illustrated in FIG. 3, the terminal device 100 includes a communication unit 110, an input unit 120, an output unit 130, and a control unit 140.

[0041] (Communication unit 110) The communication unit 110 is realized by, for example, a network interface card (NIC) or the like. The communication unit 110 is connected to a network by wire or wirelessly. The communication unit 110 is communicatively connected to another device via a network N. The communication unit 110 can transmit and receive information to and from the other device via the network. The other device may be, for example, an accounting system.

[0042] (Input unit 120) The input unit 120 is an input device that accepts various operations from a user of the terminal device 100. For example, the input unit 120 is realized by a keyboard, a mouse, operation keys, or the like.

[0043] (Output unit 130) The output unit 130 is a display device for displaying various types of information. For example, the output unit 130 is realized by a liquid crystal display, an organic EL (Electro Luminescence) display, etc. When a touch panel is adopted in the terminal device 100, the input unit 120 and the output unit 130 are integrated.

[0044] (Control unit 140) The control unit 140 is a controller, and is realized by, for example, a processor such as a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs (corresponding to an example of a linking program) stored in a storage device inside the terminal device 100 using a RAM or the like as a working area. For example, these various programs correspond to application software called a mobile application. The control unit 140 may also be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or a GPGPU (General Purpose Graphic Processing Unit).

[0045] As shown in FIG. 3, the control unit 140 has a reception unit 141, a user information acquisition unit 142, a confirmation material acquisition unit 143, an approval acquisition unit 144, a generation unit 145, a two-dimensional code output unit 146, and a display unit 147, and realizes or executes the functions and actions of information processing described below. The control unit 140 can also realize the above-mentioned cooperation processing with reference to FIG. 2. One or more processors of the terminal device 100 can realize the functions of each control unit in the control unit 140 by executing instructions stored in one or more memories of the terminal device 100. Note that the internal configuration of the control unit 140 is not limited to the configuration shown in FIG. 3, and may be other configurations as long as they perform information processing described later. For example, the generation unit 145 may perform all or part of the information processing described later for units other than the generation unit 145.

[0046] (Reception Department 141) The reception unit 141 receives information related to deposits and withdrawals from a user. The reception unit 141 displays an input screen for receiving transaction details of deposit and withdrawal operations. The reception unit 141 then receives input of the transaction details via the input screen. As described above with reference to FIG. 2, for example, the input screen includes input items such as name, account number, transaction details, and amount. The input items for the transaction details receive input of transaction operations such as deposit, withdrawal, and transfer. If the transaction details are transfers, the reception unit 141 displays an input screen for receiving transfer source information and transfer destination information, and receives input of the transfer source information and transfer destination information. Note that if the transfer is a tax transfer, the number of payment slips is received from the input screen.

[0047] (User information acquisition unit 142) The user information acquisition unit 142 acquires user information of a user who is a customer of the financial institution. For example, the user information acquisition unit 142 acquires user information from an accounting system in order to automatically input user information such as an account name and an account number into an input screen. The acquisition of user information from an accounting system is described in detail below with reference to FIG. 8.

[0048] (Verification Document Acquisition Section 143) The verification material acquisition unit 143 acquires identity verification materials for a user. The verification material acquisition unit 143 acquires identity verification materials that prove the identity of a user requesting a deposit / withdrawal transaction. For example, the verification material acquisition unit 143 acquires images of a driver's license, passport, health insurance card, or My Number card as identity verification materials.

[0049] The verification material acquisition unit 143 acquires an image of the identity verification material using a camera mounted on the terminal device 100. Regarding the authentication method for the identity verification of the user, the verification material acquisition unit 143 performs information for identity verification, such as a PIN authentication for a cash card or biometric authentication using a smartphone app. In biometric authentication, the verification material acquisition unit 143 may perform FIDO (registered trademark) authentication using an authentication device built into or external to the terminal device 100. In this case, the financial institution, for example, registers a public key for the user in advance in an authentication server in the accounting system. In addition, the financial institution stores a private key for the user in the authentication device in advance.

[0050] (Approval acquisition department 144) The approval acquisition unit 144 acquires approval from a bank employee who confirms the transaction details of the deposit / withdrawal business. For example, the approval acquisition unit 144 acquires, as the approval from the bank employee, bank employee identification information for identifying the bank employee, a signature by which the bank employee can be identified, or the like. Acquisition of approval from the bank employee will be described later with reference to FIG. 4.

[0051] (Generation unit 145) The generating unit 145 uses the transaction details and the personal identification document to generate a two-dimensional code expressing the details required when the business device executes a deposit / withdrawal business. The business device is, for example, the ATM 200 described above with reference to Figures 1 and 2. The business device may also be an open teller machine described later with reference to Figure 7.

[0052] The generating unit 145 generates, for example, a two-dimensional code expressing the content required when the business device executes a deposit / withdrawal business, and generates a QR code expressing this content. The generating unit 145 may generate other codes, such as a data matrix, as the two-dimensional code.

[0053] The generating unit 145 may generate a number unique to each deposit / withdrawal transaction. For example, the generating unit 145 may generate a processing serial number unique to each deposit / withdrawal transaction. The generating unit 145 may include the number unique to each deposit / withdrawal transaction in the QR code.

[0054] (2D code output unit 146) The two-dimensional code output unit 146 allows output of the two-dimensional code generated by the generation unit 145. For example, the two-dimensional code output unit 146 displays a reading screen including a two-dimensional code. As described above with reference to Fig. 2, for example, the reading screen includes a message saying "Please read the QR code at the ATM" and a QR code.

[0055] (Display section 147) The display unit 147 displays an execution screen for executing a transaction of the transaction content. More specifically, the execution screen is a user interface that enables a user to execute a transaction of the transaction content based on cash stored in an open teller machine, which will be described later with reference to FIG. 7. The display of the execution screen will be described in detail below with reference to FIG. 7.

[0056] (An example of collaboration processing) Above, the cooperative process according to an exemplary embodiment has been described with reference to Fig. 2. Here, the cooperative process will be described in more detail with reference to Figs. 4 and 5.

[0057] Fig. 4 is an explanatory diagram showing an example of output processing for outputting a QR code used for linking with the ATM 200. As in the case of the linking processing in Fig. 2, it is assumed that the customer 10 visits a branch to make a deposit of more than the deposit limit.

[0058] First, the reception unit 141 displays the screen 11 for receiving deposit and withdrawal information. As shown in Fig. 4, the screen 11 includes input fields for name, account number, transaction details, amount, etc. In the example of Fig. 4, the customer 10 inputs the information "Maruko", "777", "Transfer", and "1,000,000" into the fields for name, account number, transaction details, and amount, respectively. Then, the customer 10 presses the "OK" button.

[0059] Next, the verification material acquisition unit 143 displays the screen 12 for photographing the identification document. The screen 12 includes a guide frame. In the example of FIG. 4, the customer 10 photographs a driver's license using the screen 12. As a result, the verification material acquisition unit 143 acquires an image of the driver's license of the customer 10 as the identification document.

[0060] Next, the approval acquisition unit 144 displays screen 13 for confirming the transaction details. Screen 13 includes a message saying, "Please hand this tablet over to a bank clerk." In the example of FIG. 4, the customer 10 hands over the terminal device 100 to a bank clerk. Then, the bank clerk who receives the terminal device 100 presses the "Confirm" button.

[0061] Next, the approval acquisition unit 144 displays screen 14 for confirmation of the transaction details. As shown in Fig. 4, screen 14 includes confirmation items such as the client's name, account number, and transfer amount. In the example of Fig. 4, the bank clerk looks at screen 14 and confirms the transaction details. In this example, it is assumed that the bank clerk has confirmed that there are no problems with the transaction details. Then, the bank clerk presses the "OK" button.

[0062] Next, the approval acquisition unit 144 displays screen 15 for the bank clerk's approval. Screen 14 includes an input field for an operator ID, which is an ID for identifying the bank clerk. The bank clerk inputs his / her own operator ID and presses the "OK" button. In this way, the approval acquisition unit 144 acquires the operator ID as bank clerk identification information.

[0063] Next, the generation unit 145 generates a QR code 17 expressing the deposit / withdrawal information accepted by the acceptance unit 141 and the operator ID acquired by the approval acquisition unit 144. Then, the two-dimensional code output unit 146 displays a screen 16 for requesting a transaction. The screen 16 includes information on the transaction details and personal documents, a message saying "Please read the QR code at the ATM", and the QR code 17 generated by the generation unit 145.

[0064] Thereafter, the customer 10 carrying the terminal device 100 moves to the ATM 200. Here, only the customer 10 takes the terminal device 100 to the ATM 200 with the QR code 17 displayed thereon. The customer 10 then causes the ATM 200 to read the QR code 17 displayed on the terminal device 100. The ATM 200, having read the QR code 17, displays a screen for confirming the transaction details. The screen for confirming the transaction details will be described later with reference to FIG. 5.

[0065] Fig. 5 is an explanatory diagram showing an example of a screen of the ATM 200 that has read a QR code. As described above with reference to Fig. 4, the customer 10 inputs information such as his / her name, account number, transaction details, amount, etc., via the screen 11 for accepting deposit / withdrawal information. In this case, the information such as the name, account number, amount, etc. is handed over to the ATM 200 via the QR code 17 described above with reference to Fig. 4. The ATM 200 has a barcode reader for reading the QR code. The ATM 200 implements an application for acquiring deposit / withdrawal information from the QR code generated by the generation unit 145 of the terminal device 100.

[0066] In the example of FIG. 5, the ATM 200 that has read the QR code 17 displays screen 18 for confirming the transaction details. In other words, the ATM 200 displays screen 18 as an execution screen for executing the transaction of the transaction details. Screen 18 includes confirmation items such as the client's name, account number, and transfer amount. As shown in FIG. 5, the name, account number, and amount on screen 11 described above with reference to FIG. 4 correspond to the client's name, account number, and transfer amount on screen 18, respectively. When customer 10 presses the "Confirm" button, the transaction is executed based on the transaction details displayed on screen 18.

[0067] [4. Linkage Processing Flow] Next, a procedure of the cooperation process by the terminal device 100 according to the embodiment will be described with reference to FIG.

[0068] FIG. 6 is a flowchart showing an example of a process for linking with the ATM 200, which is executed by the terminal device 100 according to the embodiment.

[0069] 6, first, the reception unit 141 of the terminal device 100 receives input of application details related to a deposit / withdrawal service (step S101). For example, the reception unit 141 receives input of an account number, the amount of a deposit / withdrawal, and the like.

[0070] Next, the verification material acquisition unit 143 of the terminal device 100 displays a screen for accepting the personal verification material (step S102).

[0071] Next, the verification material acquisition unit 143 determines whether the identification material has been accepted (step S103). For example, in order to accept the customer's identification material, the verification material acquisition unit 143 can take a picture of the identification material using a camera mounted on the terminal device 100.

[0072] If it is determined that the identification material has not been accepted (step S103: No), the verification material acquisition unit 143 executes step S103 again. As an example, if the identification material has not been accepted within a predetermined time, the verification material acquisition unit 143 may display an error screen notifying the user that the identification material is required. Then, the verification material acquisition unit 143 may execute step S102 again.

[0073] If it is determined that the personal identification document is accepted (step S103: Yes), the approval acquisition unit 144 of the terminal device 100 displays an input screen for the bank clerk's approval (step S104).

[0074] Next, the approval acquisition unit 144 determines whether approval from a bank employee has been obtained (step S105). For example, the approval acquisition unit 144 can acquire an operator ID, which is an ID for identifying a bank employee, as information indicating that the bank employee has approved the application content.

[0075] If it is determined that the bank employee's approval has not been obtained (step S105: No), the approval acquisition unit 144 executes step S105 again. As an example, if the bank employee's approval is not received within a predetermined time, the approval acquisition unit 144 may display an error screen notifying the user that the bank employee's approval is required. Then, the approval acquisition unit 144 may execute step S104 again.

[0076] If it is determined that the bank clerk's approval has been obtained (step S105: Yes), the generation unit 145 of the terminal device 100 generates a QR code recording the application details and the operator ID (step S106). The QR code conveys the application details and the bank clerk's approval from the terminal device 100 to the ATM 200. The terminal device 100 cooperates with the ATM 200 via the QR code.

[0077] Next, the display unit 147 of the terminal device 100 displays the QR code (step S107). For example, the display unit 147 displays a screen including the QR code. This allows the customer to have the ATM 200 read the QR code that records the application details inputted on the terminal device 100.

[0078] 5. Other Embodiments The terminal device 100 according to the above-described embodiment may be implemented in various different forms other than the above-described embodiment. Therefore, other embodiments of the above-described terminal device 100 will be described below.

[0079] [5-1. Linkage with open teller machine] Due to restrictions on service devices, the service device that stores cash for counter operations differs depending on the amount of money deposited or withdrawn. As an example, when the amount of money deposited or withdrawn is less than 200 bills, a cash machine installed beside the teller terminal 300 counts the bills. Alternatively, the ATM 200 counts the bills. On the other hand, when the amount of money deposited or withdrawn is 200 bills or more, a special device called an open teller machine (hereinafter referred to as a "teller machine") counts the bills.

[0080] In the output process described above with reference to Fig. 4, the ATM 200 reads the output QR code. However, when the deposit / withdrawal amount is 200 or more bills, the ATM 200 cannot count the bills. Therefore, the terminal device 100 may cooperate with a teller machine so that a customer can execute a transaction by himself / herself even when the deposit / withdrawal amount is 200 or more bills.

[0081] Fig. 7 is an explanatory diagram showing an example of a linking process that links with a teller machine. In the example of Fig. 4, a customer 10 deposits 1 million yen. In the example of Fig. 7, the customer 10 visits the branch office of Fig. 1 to deposit 3 million yen, which exceeds the deposit limit of the cash machine.

[0082] First, similar to screen 11 in Fig. 4, reception unit 141 displays screen 21 for receiving deposit and withdrawal information. As shown in Fig. 7, screen 21 includes input fields for name, account number, transaction details, amount, etc. In the example of Fig. 7, customer 10 inputs the information "3,000,000" in the amount field. Then customer 10 presses the "OK" button.

[0083] When the reception unit 141 receives deposit / withdrawal information, the verification material acquisition unit 143 may display a screen for photographing an identification document, similar to the case of the screen 12 in Fig. 4. Then, the verification material acquisition unit 143 may acquire the identification document.

[0084] Next, the approval acquisition unit 144 displays screen 22 for confirming the deposit / withdrawal amount. Screen 22 includes a message saying, "Please hand this tablet to the bank clerk along with the cash." In the example of Fig. 7, the customer 10 hands over the terminal device 100 to the bank clerk. Then, the bank clerk who receives the terminal device 100 presses the "Confirm" button.

[0085] Next, the approval acquisition unit 144 displays screen 23 for confirming the transaction details. As shown in Fig. 7, screen 23 includes confirmation items such as the client's name, account number, transfer amount, etc. In this example, the bank clerk confirms that there are no problems with the transaction details and presses the "OK" button.

[0086] When the "OK" button is pressed, the approval acquisition unit 144 displays a screen for the clerk's approval, similar to screen 15 in Fig. 4. The clerk inputs his / her operator ID, and the approval acquisition unit 144 acquires the operator ID.

[0087] 4, the generation unit 145 generates a QR code 25 expressing the deposit / withdrawal information accepted by the reception unit 141 and the operator ID acquired by the approval acquisition unit 144. Then, the two-dimensional code output unit 146 displays the screen 24 for executing the deposit / withdrawal. The screen 24 includes information on the transaction details and personal documents, a message saying "Please read the QR code with the teller machine," and the QR code 25 generated by the generation unit 145.

[0088] At the processing stage where screen 24 is displayed, a bank clerk carrying terminal device 100 and cash moves to the teller machine. The clerk then has the teller machine read the QR code 25 displayed on the terminal device 100. The clerk then stores the cash in the teller machine. The teller machine counts the cash and deposits it. The teller machine that has read QR code 25 also takes in the input value for the deposit as an input.

[0089] Regarding the storage of cash, for example, a bank clerk puts banknotes into a teller machine. The teller machine is an offline device. Therefore, the teller machine processes deposits, but the execution of transactions based on these deposits is performed by the terminal device 100. In other words, the teller machine itself does not execute transactions based on these deposits.

[0090] The teller machine outputs paper on which is printed a QR code 27 expressing information necessary for executing a transaction based on a deposit at the terminal device 100. This paper is not a slip but, for example, a receipt. The QR code 27 printed on the receipt corresponds to the input of a transaction based on a deposit. In the example of FIG. 7, the QR code 27 expresses information indicating that the customer 10 has made a deposit of 3 million yen.

[0091] The bank clerk receives the paper on which the QR code 27 is printed, and performs an operation to advance the screen displayed on the terminal device 100 to the next processing stage. For example, if the screen 24 includes a "Next" button (not shown), the bank clerk presses the "Next" button.

[0092] When the bank clerk performs an operation to proceed to the next processing stage, the display unit 147 described above with reference to Fig. 3 displays the screen 26 for reading the QR code. The screen 26 includes a guide frame. In the example of Fig. 7, the customer 10 uses the screen 26 to photograph the QR code 27. As a result, the display unit 147 reads the QR code 27.

[0093] Thereafter, display unit 147 displays screen 28 for confirming transaction details as a screen for executing a transaction based on the deposit. Screen 28 includes confirmation items such as the client's name, account number, and transfer amount. With screen 28 displayed, the bank clerk takes terminal device 100 to customer 10. Customer 10 confirms that there are no problems with the transaction details. Then, customer 10 presses the "Confirm" button. The transaction is then executed based on the transaction details displayed on screen 28.

[0094] [5-2. Automatic input of customer information] The user information acquisition unit 142 described above with reference to Fig. 3 may acquire customer information as user information from an accounting system in order to automatically input customer information. For example, the user information acquisition unit 142 may be linked to an accounting system so that deposit and withdrawal information is input by autofill.

[0095] Fig. 8 is an explanatory diagram showing an example of an acquisition process for acquiring user information. In the example of Fig. 8, the user information acquisition unit 142 displays the screen 31 for login. For example, the customer 10 described above with reference to Fig. 2 inputs an ID and password into the screen 31. The customer 10 then presses the "Login" button. In the example of Fig. 8, the user information acquisition unit 142 transmits the ID and password to the accounting system 400 via a network such as the Internet.

[0096] In response to the ID and password, the accounting system 400 transmits the user information of the customer corresponding to the ID to the terminal device 100. The user information acquisition unit 142 pre-enters information into predetermined input fields in a screen for accepting deposit and withdrawal information, based on the user information of the customer 10. In the example of FIG. 8, the user information acquisition unit 142 enters the information "Maruko", "777", and "Kamo" into the account name, account number, and transfer destination fields, respectively. This saves the terminal device 100 the trouble of having to enter customer information used for periodic transactions.

[0097] [6. Other] In addition, among the processes described in the above embodiments, some of the processes described as being performed automatically can be performed manually. Alternatively, all or some of the processes described as being performed manually can be performed automatically using a known method. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0098] In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads, usage conditions, etc.

[0099] [7. Hardware Configuration] Moreover, the terminal device 100 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 9, for example. Fig. 9 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which a calculation device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected by a bus 1090.

[0100] The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050 and programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), a HDD (Hard Disk Drive), a flash memory, or the like.

[0101] The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (registered trademark) (High Definition Multimedia Interface). The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, and scanner, and is realized by a USB, for example.

[0102] The input device 1020 may be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

[0103] The network IF 1080 receives data from other devices via the network N and sends it to the arithmetic device 1030, and also transmits data generated by the arithmetic device 1030 to other devices via the network N.

[0104] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0105] For example, when the computer 1000 functions as the terminal device 100 , the arithmetic unit 1030 of the computer 1000 executes a program loaded onto the primary storage device 1040 to realize the functions of the control unit 140 .

[0106] 8. Effects As described above, the terminal device 100 according to the embodiment includes the reception unit 141, the confirmation material acquisition unit 143, the generation unit 145, and the two-dimensional code output unit 146.

[0107] In the terminal device 100 according to the embodiment, the reception unit 141 displays an input screen for receiving transaction details of a deposit / withdrawal business, and receives input of the transaction details. In the terminal device 100 according to the embodiment, the confirmation document acquisition unit 143 acquires an identity verification document that certifies the user who requests a deposit / withdrawal business transaction. In the terminal device 100 according to the embodiment, the generation unit 145 uses the transaction details and the identity verification document to generate a two-dimensional code that expresses the details required when the business device executes a deposit / withdrawal business. The identity verification document is used to approve the transaction, and the generation unit 145 generates the two-dimensional code based on the approval result using the identity verification document. In the terminal device 100 according to the embodiment, the two-dimensional code output unit 146 allows the output of the generated two-dimensional code.

[0108] Moreover, the terminal device 100 according to the embodiment has an approval acquisition unit 144 that acquires approval from a bank employee to confirm the transaction details of the deposit / withdrawal business. Moreover, in the terminal device 100 according to the embodiment, the generation unit 145 generates a two-dimensional code including the approval of the bank employee when approval of the bank employee is acquired, and can suppress generation of the two-dimensional code when approval of the bank employee is not acquired.

[0109] In addition, in the terminal device 100 according to the embodiment, the approval acquisition unit 144 acquires, as the approval of the bank employee, bank employee identification information for identifying the bank employee. In addition, in the terminal device 100 according to the embodiment, the generation unit 145 generates a two-dimensional code including the bank employee identification information when the bank employee identification information is acquired, and can suppress generation of the two-dimensional code when the bank employee identification information is not acquired.

[0110] The terminal device 100 according to the embodiment also includes a user information acquisition unit 142 that acquires user information of a user from a financial institution's system related to deposit and withdrawal operations. In the terminal device 100 according to the embodiment, the reception unit 141 acquires information related to transaction details from the user information and inputs the information into the input screen.

[0111] In the terminal device 100 according to the embodiment, the generation unit 145 generates a two-dimensional code for an automated teller machine when the deposit / withdrawal amount specified in the transaction content is less than a threshold, and generates a two-dimensional code for an open teller machine when the deposit / withdrawal amount is equal to or greater than the threshold. The threshold may be set differently depending on the customer attributes and the transaction content.

[0112] In addition, the terminal device 100 according to the embodiment has a display unit 147 that reads the new two-dimensional code generated by the open teller machine that read the two-dimensional code and performed the deposit / withdrawal, and displays an execution screen for executing the transaction content.

[0113] By performing the above-mentioned processes, the terminal device 100 can improve the efficiency of deposit and withdrawal operations.

[0114] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

[0115] Furthermore, the above-mentioned "section, module, unit" can be read as "means" or "circuit", etc. For example, a generating section can be read as a generating means or a generating circuit. [Explanation of symbols]

[0116] 1. Collaborative Systems 100 Terminal Equipment 110 Communications Department 120 Input section 130 Output section 140 Control section 141 Reception 142 User information acquisition unit 143 Verification Document Acquisition Department 144 Approval Department 145 Generation part 146 2D code output unit 147 Display section 200 ATM 300 Bank clerk terminal

Claims

1. On the computer, Displaying an input screen for receiving transaction details of a deposit / withdrawal business, receiving input of the transaction details, Acquire identity verification documents to prove that the user is making a request for the deposit / withdrawal transaction, acquiring bank employee identification information for identifying the bank employee as the approval of the bank employee who confirms the contents of the deposit / withdrawal transaction; when the clerk identification information is acquired, a two-dimensional code expressing the content required when the business device executes the deposit / withdrawal business is generated using the transaction content, the personal identification document, and the clerk identification information, and when the clerk identification information is not acquired, generation of the two-dimensional code is suppressed; The generated two-dimensional code is output. A cooperative program characterized by executing a process.

2. further executing a process of acquiring user information of the user from a system of a financial institution related to the deposit and withdrawal business, The receiving process includes acquiring information about the transaction content from the user information and inputting the information into the input screen.

2. The linking program according to claim 1 .

3. On the computer, Displaying an input screen for receiving transaction details of a deposit / withdrawal business, receiving input of the transaction details, Acquire identity verification documents to prove that the user is making a request for the deposit / withdrawal transaction, When the deposit / withdrawal amount specified in the transaction details is less than a threshold, a two-dimensional code expressing the content required when an automated teller machine executes the deposit / withdrawal operation is generated using the transaction details and the identity verification document, and when the deposit / withdrawal amount is equal to or greater than a threshold, a two-dimensional code expressing the content required when an open teller machine executes the deposit / withdrawal operation is generated using the transaction details and the identity verification document, The generated two-dimensional code is output. A cooperative program for executing a process.

4. The computer is further made to execute a process of reading a new two-dimensional code generated by the open teller machine which has read the two-dimensional code and performed a deposit / withdrawal, and displaying an execution screen for executing the transaction of the transaction content.

4. The linking program according to claim 3.

5. The computer Displaying an input screen for receiving transaction details of a deposit / withdrawal business, receiving input of the transaction details, Acquire identity verification documents to prove that the user is making a request for the deposit / withdrawal transaction, acquiring bank employee identification information for identifying the bank employee as the approval of the bank employee who confirms the contents of the deposit / withdrawal transaction; when the clerk identification information is acquired, a two-dimensional code expressing the content required when the business device executes the deposit / withdrawal business is generated using the transaction content, the personal identification document, and the clerk identification information, and when the clerk identification information is not acquired, generation of the two-dimensional code is suppressed; The generated two-dimensional code is output. A cooperation method comprising: executing a process.

6. a reception unit that displays an input screen for receiving transaction details of a deposit / withdrawal business and receives input of the transaction details; a verification material acquisition unit for acquiring identity verification materials for verifying the identity of a user making a request for a transaction of the deposit / withdrawal business; an approval acquisition unit that acquires, as approval of a bank employee confirming the transaction contents of the deposit / withdrawal business, bank employee identification information for identifying the bank employee; a generator which, when the clerk identification information is acquired, generates a two-dimensional code using the transaction details, the customer identification document, and the clerk identification information, the two-dimensional code expressing details required when the business device executes the deposit / withdrawal business, and which inhibits the generation of the two-dimensional code when the clerk identification information is not acquired; an output unit that outputs the generated two-dimensional code; A linkage device comprising:

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