Trading System and Automated Trading Device

Abstract

To provide a transaction system, a server, an automatic transaction device, and a transaction method that allow a user to deposit and withdraw money by an input operation on the automatic transaction device.SOLUTION: A transaction system includes: a server 30 that registers, when a payment procedure to a store or a refund procedure from the store occurs, authentication information that identifies a user and assigns a procedure identification number that identifies a procedure; and an automatic transaction device 40 that receives an input operation of the procedure identification number and the authentication information by the user and performs, on the basis of contents of the procedure associated with the procedure identification number, deposit / withdrawal processing. The server 30 receives the input-operated procedure identification number and the authentication information from the automatic transaction device 40, and performs authentication on the basis of the received procedure identification number and the authentication information, and the assigned procedure identification number and the registered authentication information.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to a transaction system, a server, an automated trading device, and a trading method, and relates to, for example, a purchase procedure and a return procedure for transactions such as Internet shopping.

Background Art

[0002] There have been disclosed systems and methods that enable a user to withdraw cash at an ATM (Automated Teller Machine) without bringing a cash card. For example, Patent Document 1 discloses a technique in which a transaction center server collates the cooperation information generated by an ATM with the cooperation information received from a user's terminal that has read the cooperation information from the ATM. As a result, the user can perform deposits and withdrawals via the ATM using the terminal he / she owns without carrying a card.

[0003] Further, Patent Document 2 discloses a deposit / withdrawal agency system that enables an ATM that cooperates with a transaction server to execute a transaction based on a transaction requested by a customer of a partner who provides a deposit / withdrawal service to the partner's server. Patent Documents 3 and 4 disclose cardless cash withdrawal using a one-time password.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Patent Document 2

Patent Document 3

Patent Document 4

Summary of the Invention

Problems to be Solved by the Invention

[0005] The technologies described in Patent Documents 1 and 2 both involve cash withdrawals from accounts they hold. Also, since the technology of Patent Document 1 is configured to read a two-dimensional code displayed on an ATM, it is necessary to carry a mobile phone. When the technology described in Patent Document 3 refunds a large number of consumers from a store due to cancellation of an event or the like, it is necessary to specify the account to be debited and notify the consumers of the specified account number each time. In addition, there is a large amount of information to be input during transactions, which not only causes trouble but also has a high risk of incorrect input. The technology described in Patent Document 4 designates a number for uniquely identifying a transaction instead of an account number at an ATM, but since authentication by password is not performed at that time, there is a risk of unauthorized transactions.

[0006] The present invention provides a transaction system and Automatic transaction device position that can perform deposit and withdrawal operations through input operations on the automatic transaction device.

Means for Solving the Problems

[0007] To solve the above problems , the first The transaction system (100) of the invention includes a server (20, 30, 50) that registers first authentication information input-operated on a user terminal and assigns a first procedure identification number for identifying a procedure when a payment procedure to a store or a refund procedure from a store occurs, and an automatic transaction device (40) that performs deposit and withdrawal processing based on the content of the procedure associated with the first procedure identification number. The automatic transaction device displays a screen for the user to input-operate a second procedure identification number and second authentication information, receives the registered first authentication information corresponding to the second procedure identification number from the server, and performs authentication using the received first authentication information and the input-operated second authentication information. In addition, when a payment procedure to a store or a refund procedure from a store occurs, the trading system of the second invention registers first authentication information for identifying a user and assigns a first procedure identification number for identifying the procedure, and receives an input operation of a second procedure identification number and second authentication information by the user, and includes an automated transaction device that performs deposit and withdrawal processing based on the content of the procedure associated with the first procedure identification number. The registered first authentication information is a password or biometric authentication information input-operated on a user terminal communicably connected to the server, and the server displays a selection screen for the user terminal to select either cash or a credit card for deposit and withdrawal It is characterized by this. Note that the reference numerals and characters in parentheses are the reference numerals etc. given in the embodiment and do not limit the present invention.

Effects of the Invention

[0008] According to the present invention, deposits and withdrawals can be made through input operations of an automatic transaction device.

Brief Description of the Drawings

[0009] [Fig. 1] It is a configuration diagram of a transaction system according to the first embodiment of the present invention. [Fig. 2] It is a flowchart for explaining a transaction method executed by the transaction system according to the first embodiment of the present invention. [Fig. 3] It is a diagram showing an example of an order completion email. [Fig. 4] It is a table showing an example of procedure request reception data. [Fig. 5] It is a diagram showing an example of a procedure application screen on a terminal. [Fig. 6] It is a diagram showing an example of a procedure application reception completion screen on a terminal. [Fig. 7] It is a table showing an example of procedure data. [Fig. 8] It is a diagram showing an example of a procedure ID notification email. [Fig. 9] It is a diagram showing an example of a transaction menu screen on an automatic transaction device. [Fig. 10] It is a diagram showing an example of a procedure ID input screen on an automatic transaction device. [Fig. 11] It is a diagram showing an example of a password input screen on an automatic transaction device. [Fig. 12] It is a table showing an example of deposit / withdrawal request data. [Fig. 13] It is a diagram showing an example of a refund receipt screen on an automatic transaction device. [Fig. 14] It is a table showing an example of completion notification data. [Fig. 15] It is a flowchart for explaining the transaction method according to the third embodiment of the present invention.

Modes for Carrying Out the Invention

[0010] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that each drawing only schematically shows the embodiments to such an extent that they can be sufficiently understood. Therefore, the present invention is not limited only to the illustrated examples. Also, in each drawing, common components and similar components are denoted by the same reference numerals, and redundant descriptions thereof are omitted.

[0011] (First Embodiment) FIG. 1 is a configuration diagram of a transaction system according to the first embodiment of the present invention. The transaction system 100 is configured by connecting a terminal 10, an order management server 20, a deposit / withdrawal management server 30, an ATM 40 as an automatic transaction device, and a transaction server 50 via a network. Here, the terminal 10 and the ATM 40 are devices operated by the user. The transaction system 100 has a function of a user purchasing a product (for example, a concert ticket), paying the price at the ATM 40, or receiving a refund in cash (currency) via the ATM 40 when the store cancels. Here, the payment of the purchase price will be described in the second embodiment, and the refund will be described in the first embodiment.

[0012] In the transaction system 100 of the present embodiment, authentication is performed using both a procedure identification number (hereinafter referred to as a procedure ID) set by the deposit / withdrawal management server 30 and authentication information (password) set by the user at the terminal 10 when making a payment or receiving a refund at the ATM 40.

[0013] The terminal 10 is a PC (Personal Computer), a mobile phone, or a smartphone owned by the user. The order management server 20 is owned by the store that sells the product and manages the user's order information. When a payment or refund procedure occurs, the order management server 20 transmits the identifier of the seller (for example, the shop number), the order information (for example, the order number and the amount), the user information (for example, the name, the email address, the mobile phone number), and the procedure content (payment or refund) to the deposit / withdrawal management server 30.

[0014] The deposit and withdrawal management server 30 is held by a store (including a settlement agency company) or a financial institution (bank), and manages payment procedures and refund procedures based on the user's order information, as well as the account information used in the procedures. In addition, the deposit and withdrawal management server 30 collates the user information stored in the order management server 20 with the user information received from the terminal 10 to identify the user of the terminal 10. Further, the deposit and withdrawal management server 30 assigns a number (procedure identification number (procedure ID)) for identifying the procedure based on the order information, user information, and procedure details of the order management server 20, and notifies the terminal 10 of the procedure ID by email or the like. The deposit and withdrawal management server 30 authenticates by collating the assigned procedure ID and the password received from the terminal 3 with the procedure ID and password input on the display operation unit (not shown) of the ATM 40. After authentication, the deposit and withdrawal management server 30 requests the ATM 40 for deposit and withdrawal. Note that if there is no password and only the procedure ID, a third party who has received the procedure ID by email can perform a refund. Conversely, if there is only a password and no procedure ID, when the same user performs multiple procedures, the procedures cannot be identified.

[0015] The ATM 40 is owned by a financial institution (bank) and conducts transactions such as deposit and withdrawal of cash (coins). The ATM 40 accepts input of the procedure ID and password on the operation display unit. The transaction server 50 is owned by a financial institution (bank) and manages the transactions performed by the ATM 40.

[0016] (Description of the operation) FIG. 2 is a flowchart for explaining a transaction method executed by the transaction system according to the first embodiment of the present invention. In this embodiment, the case where the store cancels the user's purchased product and the user receives a refund of the price will be described. That is, it is assumed that the user has completed the order of the product and the payment of the price, and the order completion email 310 (FIG. 3) has been received from the store by the user. Note that the payment of the price may be made in cash using the ATM 40 or may be made by credit card.

[0017] The order completion email 310 includes the "Purchaser's Name" item 218, the "Shop Number" item 213, the "Order Number" item 217, the "Amount" item 221, the "Product Name" item 223, and the linked URL 302. Here, the payment amount is displayed in the "Amount" item 221. Note that the order information is composed of the "Shop Number" display item 213, the "Order Number" display item 217, the "Payment Amount" display item 221, and the "Product Name" display item 223. The linked URL 302 indicates the link destination for the return procedure.

[0018] In the flowchart of FIG. 2, the order management server 20 transmits order information (such as shop number, order number, amount) and user information (such as purchaser's name, email address, phone number) and procedure details (refund) to the payment management server 30 (SP1). As a result, a refund procedure request for the order is made by the store. After the processing of SP1, the payment management server 30 identifies the account ("Account Number" data 216 (FIG. 4)) to be used in the procedure from the information of the identifier ("Shop Number" data 213 (FIG. 4)) that identifies the store received from the order management server 20, and generates and stores the procedure request reception data 210 (FIG. 4) including the "Account Number" data 216 (SP2).

[0019] FIG. 4 is a table showing an example of the procedure request reception data. The procedure request reception data 210 is composed of the "Shop Number" item 213, the "Store Number" item 214, the "Subject" item 215, the "Account Number" item 216, the "Order Number" item 217, the "Purchaser's Name" item 218, the "Email Address" item 219, the "Phone Number" item 220, the "Amount" item 221, the "Procedure Details" item 222, and the "Product Name" item 223. And each item is composed of the "Item Name" column 231, the "Data Example" column 232, and the "Explanation" column 233.

[0020] The "store number" is an identifier that identifies the retailer (including the settlement agency). The "account number" and "item" are identifiers that specify the bank account to be used. The "order number" is the order number managed by the retailer or the settlement agency. The "purchaser's name", "email address", and "phone number" are user information, and in the "data example" column 232, for example, "Otaro Oki", "abc@oki.com", and "090-111-2222" are entered. The "amount" is the amount subject to the procedure, and in the "data example" column 232, for example, "10,000" yen is entered. The "procedure details" is either "payment" or "refund" entered. Here, since it indicates the procedure that the user will perform from now on, "refund" is entered in the "data example" column 232. The product name is the name of the product.

[0021] Returning to the flowchart of FIG. 2, the user uses the user terminal 10 to access the link destination URL 302 (FIG. 3) notified from the store, and inputs order information (store number, order number, amount, etc.), user information (purchaser's name, email address, phone number, etc.), procedure details (refund), and an arbitrary password to be set from the dedicated web page (procedure application screen 320 (FIG. 5)).

[0022] FIG. 5 is a diagram showing an example of a procedure application screen on the terminal 10. The procedure application screen 320 is a screen used when the user performs a refund procedure on the terminal 10, and is a screen sent by the deposit and withdrawal management server 30 to the terminal 10 when the user accesses the link destination URL 302 (FIG. 3). The procedure application screen 320 includes a "store number" input field 213a for inputting order information, an "order number" input field 217a, a "payment amount" input field 221a, a "name" input field 218a for inputting purchaser information, a "phone number" input field 220a, an "email address" input field 219a, a pull-down menu 321 for selecting a refund method, password input fields 227a and 227b for inputting a password and a confirmation password, and a "refund application" button 328.

[0023] Here, the user may fill in the content of the order information described in the order completion email 310 (Figure 3) and fill in the purchaser information of the user himself / herself (at the time of purchase). In addition, in the pull-down menu 321, not only "Receive at ATM" can be selected, but also, for example, "Receive (refund) with credit card", but here, "Receive at ATM" is selected. It is preferable to input the password at the time of purchase in the password input fields 227a and 227b, but a password different from that at the time of purchase may also be used. By inputting the password, a password for receiving the refund amount is set. The user terminal 10 transmits the input data to the deposit and withdrawal management server 30 (SP3). As a result, the deposit and withdrawal management server 30 acquires the password set by the user.

[0024] The deposit and withdrawal management server 30 authenticates the user by collating the procedure request reception data 210 (Figure 4) generated and stored based on the order information and user information received from the order management server 20 with the order information (e.g., order number) and user information (e.g., name, email address, mobile phone number) received from the terminal 10 (SP4). If the authentication result is OK, the password set by the user is registered as "password" data 227 (Figure 7), and the procedure data 230 (Figure 7) is updated (SP5). The deposit and withdrawal management server 30 transmits an acceptance completion notice to the terminal 10 (SP6).

[0025] Figure 6 is a diagram showing an example of a procedure application acceptance completion screen on the terminal 10. The procedure application acceptance completion screen 330 is a screen that the deposit and withdrawal management server 30 transmits to the terminal 10 when the deposit and withdrawal management server 30 receives the order information, user information, refund method, and password from the terminal 10. The procedure application acceptance completion screen 330 is composed of the character string "We will contact you with the ID required for the procedure when the refund preparation is complete" and the "Close" button 331.

[0026] Returning to the flowchart of Figure 2, after the transmission of the acceptance completion notice (SP6) by the deposit and withdrawal management server 30 is completed, a procedure ID is assigned (SP7) and stored as the "procedure ID" item 224 in the procedure request reception data 230 (Figure 7).

[0027] FIG. 7 is a table showing an example of procedure data. The procedure data 230 includes a "procedure ID" item 224, a "status" item 225, a "store number" item 213, a "shop number" item 214, a "subject" item 215, an "account number" item 216, an "order number" item 217, a "purchaser name" item 218, an "email address" item 219, a "phone number" item 220, an "amount" item 221, a "procedure details" item 222, a "password" item 227, and a "product name" item 223. Each item is composed of an "item name" column 231, a "data example" column 232, and an "explanation" column 233.

[0028] Compared with the procedure request reception data 210 (FIG. 4), the procedure data 230 has a "procedure ID" item 224, a "status" item 225, and a "password" item 227 added.

[0029] When the procedure ID numbering (SP7) is completed, the deposit / withdrawal management server 30 notifies the terminal 10 of the procedure ID (SP8). At this time, for example, the email address is used for email, and the phone number is used for SMS (Short Message Service).

[0030] FIG. 8 is a diagram showing an example of a procedure ID notification email. The procedure ID notification email 340 includes a "purchaser name" item 218, the string "Please enter the following information and the password set at the time of application into the ATM and receive the payment", a "procedure ID" item 224, and a "refund method" item 341.

[0031] The "procedure ID" item 224 contains the procedure ID numbered in SP7. The "refund method" item 341 contains the method specified in the pull-down menu 321 of the procedure application screen 320 (FIG. 5).

[0032] Returning to the flowchart of FIG. 2, when the user is notified of the procedure ID by mail or the like, the user inputs the procedure ID and the password using the display operation unit (not shown) of the ATM 40 as an automatic transaction device (SP9).

[0033] FIG. 9 is a diagram showing an example of a transaction menu screen on an automatic transaction device. The transaction menu screen 350 is a menu screen displayed on the display operation unit (not shown) of the ATM 40, and includes, for example, a "Deposit" button 351, a "Balance Inquiry" button 352, a "Withdrawal" button 353, a "Transfer" button 354, an "XX Service" button 355, and an "YY Service" button 356.

[0034] FIG. 10 is a diagram showing an example of a procedure ID input screen on an automatic transaction device. The procedure ID input screen 360 is a screen displayed on the display operation unit of the ATM 40 when the "YY Service" button 356 is touched on the transaction menu screen 350 (FIG. 9). The procedure ID input screen 360 includes a "Procedure ID" input field 224a and a "Next" button 361, and is a screen for asking the user to input the procedure ID.

[0035] FIG. 11 is a diagram showing an example of a password input screen on an automatic transaction device. The password input screen 370 is a screen displayed on the display operation unit of the ATM 40 when the "Next" button 361 on the procedure ID input screen 360 (FIG. 10) is touched. The password input screen 370 includes a "Password" input field 227c and a "Next" button 371, and is a screen for asking the user to input the password. The password input into the "Password" input field 227c is the same as the password input into the "Password" input fields 227a, 227b (FIG. 5).

[0036] Return to the flowchart of FIG. 2. When the procedure ID and password are input using the procedure ID input screen 360 (FIG. 10) and the password input screen 370 (FIG. 11) (SP9), the ATM 40 transmits the input procedure ID and password to the deposit / withdrawal management server 30 (SP10). The deposit / withdrawal management server 30 collates (verifies) the procedure ID and password received from the ATM 40 with the procedure ID numbered in SP7 and the password input in SP3 to perform authentication (SP11). Further, when the "status" item 225 (FIG. 7) of the procedure data 230 (FIG. 7) is "unprocessed" and the "procedure details" item 222 (FIG. 7) is "refund", the deposit / withdrawal management server 30 generates deposit / withdrawal request data 250 (FIG. 12) with the "processing" item 228 (FIG. 12) set to "withdrawal" (SP12). The deposit / withdrawal management server 30 transmits the generated deposit / withdrawal request data 250 to the ATM 40 (SP13).

[0037] FIG. 12 is a table showing an example of deposit / withdrawal request data. The deposit / withdrawal request data 250 includes a "store number" item 214, a "subject" item 215, an "account number" item 216, a "processing" item 228, and a "processing amount" item 229. The "store number", "subject", and "account number" are identifiers for specifying the bank account to be processed. "Processing" stores either a deposit or a withdrawal, and here, "withdrawal" is stored. The "processing amount" is the amount to be processed, and here, it is the refund amount of "10,000" yen.

[0038] Return to the flowchart of FIG. 2. When the ATM 40 receives the deposit / withdrawal request data 250 (SP13), it makes a withdrawal request to the transaction server 50 (SP14). Then, the transaction server 50 makes a withdrawal request to the ATM 40 (SP15). As a result, the ATM 40 displays a refund receipt screen 380 (FIG. 13) on the display operation unit.

[0039] FIG. 13 is a diagram showing an example of a refund receipt screen on the automatic transaction device. The refund receipt screen 380 is a screen that is displayed on the display operation unit of the ATM 40 when the "Next" button 371 is touched on the password input screen 370 (Fig. 11). The refund receipt screen 380 includes a "Store Name" column 381, an "Amount" column 382, and a "Collect Payment" button 383. In the "Store Name" column 381, the "Store Name" corresponding to the "Shop Number" item 213 (Fig. 7) is displayed. In the "Amount" column 382, the refund amount (here, "\10,000") is displayed.

[0040] When the user checks the "Store Name" and "Amount" and touches the "Collect Payment" button 383, the ATM 40 dispenses (withdraws) cash (currency) to the user (SP16b). After dispensing the cash, the ATM 40 transmits the processing result to the transaction server 50 (SP17). The transaction server 50 updates the accounting process (SP18) and transmits a completion notice (e.g., a procedure ID) to the ATM 40 (SP19). The ATM 40 transmits the received completion notice to the deposit / withdrawal management server 30 (SP20). Based on the received completion notice, the deposit / withdrawal management server 30 updates the status item 225 (Fig. 7) from "unprocessed" to "processed" (SP21). Then, the deposit / withdrawal management server 30 transmits the received completion notice (e.g., order number, name, email address, phone number, status) to the order management server 20 (SP22), and the flow of this embodiment ends.

[0041] (Description of Effects) As described above, according to the transaction system 100 of this embodiment, when canceling an ordered product, when the user receives a refund of the product price from the ATM 40, the user only needs to input an identifier (e.g., a procedure ID) for specifying the procedure and a password for personal authentication on the display operation unit of the ATM 40. Therefore, it is possible to ensure a secure transaction while reducing the user's input burden. Therefore, after setting the password by the user, the user can receive cash (currency) from the ATM 40 with empty hands at any time, improving convenience. Also, regarding the method of depositing and withdrawing from the account, since existing technologies are used, the modification of the ATM 40 can be minimized.

[0042] In addition, when refunding money to a large number of consumers from a store due to the cancellation of an event or the like, it is easy to specify the account for withdrawal and notify the consumers of the specified account number. Also, the information input during the transaction is automated, eliminating the need for labor (for example, verifying the correctness of the account number) and reducing the risk of incorrect input.

[0043] (Second Embodiment) In the first embodiment, the case where the store cancels the ordered goods has been described. Here, the case where the goods are ordered at the terminal 10 and the price of the goods is paid at the ATM 40 will be described.

[0044] In the flowchart of FIG. 2, the order management server 20 transmits user information and order information to the deposit / withdrawal management server 30 (SP1). The deposit / withdrawal management server 30 generates and stores data (SP2), and receives order information, user information, and a password from the terminal 10 (SP3). The deposit / withdrawal management server 30 performs verification of the user information and order information (SP4), data update (SP5), transmission of a reception completion notice (SP6), numbering of the procedure ID (SP7), and notification of the procedure ID to the terminal 10 (SP8).

[0045] The user inputs the notified procedure ID and password into the display operation unit of the ATM 40 (SP9). The ATM 40 transmits the input procedure ID and password to the deposit / withdrawal management server 30 (SP10). The deposit / withdrawal management server 30 collates and authenticates the received procedure ID and password with the password received from the terminal 10 in SP3 and the procedure ID numbered in SP7 (SP11). The deposit / withdrawal management server 30 generates deposit / withdrawal request data (SP12) and transmits it to the ATM 40 (SP13).

[0046] The ATM 40 makes a deposit request to the transaction server 50 (SP14) and receives a deposit request from the transaction server 50 (SP15). The ATM 40 accepts the cash input from the user (SP16a) and transmits the processing result to the transaction server 50 (SP17). Hereinafter, similar to the first embodiment, update (SP18), completion notification (SP19, SP20), status update (SP21), and completion notification (SP22) are executed.

[0047] As described above, according to the transaction method of this embodiment, the user can pay the price of the goods ordered on the terminal 10 in cash (currency) using the ATM 40. Also, by combining with the transaction method (refund method) of the first embodiment, the canceled goods price can be refunded in cash (currency) using the ATM 40. That is, it enables two-way settlement of sales and refunds in cash.

[0048] (Third Embodiment) In the first embodiment, the store canceled the order, but the user can also cancel the order.

[0049] FIG. 15 is a flowchart for explaining the transaction method of the third embodiment of the present invention, showing the flow for the user to cancel. The user uses the terminal 10 to request order cancellation from the order management server 20 (SP101). When the order management server 20 receives the order cancellation request (SP101), it sends a screen display request to the payment and settlement management server 30 (SP102). When the payment and settlement management server 30 receives the screen display request (SP102), it sends a refund order information registration screen to the terminal 10 (SP103). The user uses the refund order information registration screen displayed on the terminal 10 to input refund order information (such as order information, user information, password, etc.), and the terminal 10 sends the input information to the payment and settlement management server 30 (SP104). As a result, the payment and settlement management server 30 generates and stores the procedure data in the approval waiting state (SP105), and sends the cancellation request information to the order management server 20 (SP106). The order management server 20 confirms that the user is the purchaser and approves the cancellation (SP107), and sends the cancellation approval result (such as order number, name, amount, etc.) to the payment and settlement management server 30 (SP108). The payment and settlement management server 30 collates the received cancellation approval result with the refund order information received in SP104 (SP109), assigns a procedure ID (SP110), and notifies the terminal 10 of the procedure ID by email or the like. The processing after the notification of the procedure ID is the same as that from SP9 in the flowchart of FIG. 2.

[0050] As described above, according to the transaction method of the present embodiment, even when the user cancels the ordered product, the payment and settlement management server 30 can perform the authentication when making payments and settlements with the automated transaction device.

[0051] (Modification example) The present invention is not limited to the above-described embodiments, and for example, the following modifications are possible. (1) In each of the above embodiments, personal authentication is performed using a password, but personal authentication can also be performed using biometric authentication. In each of the above embodiments, payment and refund in cash (currency) are described, but payment and refund (charge) in electronic money (electronic cash) can also be applied.

[0052] (2) In each of the above embodiments, the deposit / withdrawal server 30 receives and stores (data update) the password from the terminal 10 (SP3, SP5), assigns a procedure ID (SP7), and performs authentication by comparing these with the procedure ID and password received from the ATM 40. The ATM 40 may receive the procedure ID and password from the deposit / withdrawal server 30 and perform authentication by comparing the received procedure ID and password with the input procedure ID and password.

[0053] (3) In the above embodiments, the order management server 20, the deposit / withdrawal management server 30, and the transaction server 50 were distinguished, but they may be performed by a single server.

[0054] (4) In the above embodiment, the payment for shopping settlement and the refund procedure were described, but by performing the withdrawal from one's own account using the procedure ID and password, it is also possible to withdraw cash (currency) from one's own account with empty hands in case of a disaster, etc.

Explanation of Reference Numerals

[0055] 10 Terminal 20 Order Management Server 30 Deposit / Withdrawal Management Server 40 ATM (Automated Teller Machine) 50 Transaction Server 100 Transaction System 210 Procedure Request Reception Data 222 "Procedure Details" Item 224 "Procedure ID" Item ("Procedure Identification Number" Item) 227 "Password" Item 230 Procedure Data 250 Deposit / Withdrawal Request Data 260 Completion Notification Data 310 Order Completion Email 320 Procedure Application Screen 330 Procedure Application Reception Completion Screen 340 Procedure ID Notification Email ("Procedure Identification Number Notification Email") 350 Transaction Menu Screen 360 Procedure ID Input Screen ("Procedure Identification Number Input Screen") 370 Password Input Screen 380 Refund Receiving Screen

Claims

1. A server that registers first authentication information input-operated on a user terminal when a payment procedure to a store or a refund procedure from a store occurs, and assigns a first procedure identification number for identifying the procedure; An automatic transaction device that performs deposit / withdrawal processing based on the content of the procedure associated with the first procedure identification number; The automatic transaction device displays a screen for allowing the user to input-operate a second procedure identification number and second authentication information, corresponds to the second procedure identification number, receives the registered first authentication information from the server, and performs authentication using the received first authentication information and the input-operated second authentication information. A transaction system characterized by the above.

2. A server that registers first authentication information for identifying a user when a payment procedure to a store or a refund procedure from a store occurs, and assigns a first procedure identification number for identifying the procedure; An automatic transaction device that receives an input operation of a second procedure identification number and second authentication information by the user, and performs deposit / withdrawal processing based on the content of the procedure associated with the first procedure identification number; The registered first authentication information is a password or biometric authentication information input-operated on a user terminal communicably connected to the server; The server displays a selection screen for the user to select either cash or a credit card for deposit / withdrawal on the user terminal. A transaction system characterized by the above.

3. The transaction system according to Claim 1 or Claim 2, wherein The automatic transaction device executes the payment procedure or the refund procedure by cash or electronic money. A transaction system characterized by the above.

4. An automatic transaction device that displays a screen for allowing the user to input-operate a first procedure identification number and first authentication information, corresponds to the first procedure identification number, receives second authentication information registered by the user from the server, performs authentication using the received second authentication information and the first authentication information input-operated by the user, receives the content of the procedure associated with the first procedure identification number from the server, and performs deposit / withdrawal processing based on the received content of the procedure.

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