Automatic trading device and automatic trading program

Abstract

To provide an automated teller machine configured to improve security of transactions using code information.SOLUTION: An automated teller machine includes: generation means which generates linkage information on a transaction performed by a user through the automated teller machine; communication means which transmits the linkage information to a server which manages an account for the transaction; display means which displays code information obtained by encoding the linkage information; transaction processing means which collates, by the server, the linkage information read by a mobile terminal of the user from the code information displayed on the display means with the linkage information transmitted from the communication means to continue or suspend a transaction based on transaction information received by the server from the mobile terminal, depending on the coincidence of the linkage information. The transaction processing means displays, when continuing the transaction based on a collation result of the server, second code information different from first code information which is code information displayed first on the display means, at a predetermined timing, on the display means.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an automatic transaction device and an automatic transaction program, and can be applied to, for example, an automatic transaction device that performs transactions using code information. [Background technology]

[0002] In recent years, technologies have emerged that enable transactions at automated teller machines (hereinafter referred to as "ATMs") to be carried out without using a cash card (hereinafter referred to as "cardless transactions").

[0003] One of the mechanisms for cardless transactions is to link the ATM (the system that controls the ATM) with the user's mobile device by reading a two-dimensional code such as a QR code (registered trademark) displayed on the ATM screen with the user's mobile device.

[0004] For example, Patent Document 1 discloses a technology in which a mobile terminal transmits a QR code (linkage information) displayed by an ATM to a server, and the server compares the information transmitted from the ATM with the information transmitted from the mobile terminal, and if the information matches, deposits or withdraws money at the ATM. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Publication No. 2017-211796 [Patent Document 2] Japanese Patent Application Laid-Open No. 2012-8758 Summary of the Invention [Problem to be solved by the invention]

[0006] However, the technology described in Patent Document 1 has security problems in both the withdrawal and deposit processes (operations).

[0007] For example, in the case of a withdrawal process, once the above-mentioned verification is completed, the ATM is notified of the account information and the withdrawal amount, and the PIN is then entered. The operations after entering the PIN are performed on the ATM screen based on the information displayed on the ATM screen. Therefore, if the user (operator) leaves the ATM for some reason before entering the withdrawal amount confirmation into the ATM, the ATM is left operational, waiting for the withdrawal amount confirmation input operation. This raises the risk that an unauthorized person (someone other than the user who initiated the transaction) could operate the ATM and receive the withdrawn cash.

[0008] Furthermore, in the case of a deposit process, once the above-mentioned verification is completed, the ATM displays a deposit instruction on the screen and opens the slot shutter to wait for the insertion of cash. In other words, after the deposit instruction is displayed, the process can be carried out simply by operating the ATM screen. For example, a malicious person could use their own account information to proceed with the operation up to the point where the deposit instruction is displayed, and then lure a third party to the ATM and further lure them into inserting cash into the slot, thereby making it possible for them to make an illegal (fraudulent) deposit.

[0009] To address the above-mentioned problem, it is conceivable to apply a technology that detects a change in the ATM user (ATM operator) and stops the transaction (for example, Patent Document 2).

[0010] However, the technology described in Patent Document 2 requires high software implementation costs because it uses image analysis, and the ATM must be equipped with a camera with a resolution high enough to perform image analysis. Therefore, implementing the technology described in Patent Document 2 in an ATM is a high hurdle in reality.

[0011] Therefore, there is a demand for an automated transaction device and an automated transaction program that can improve the security of cardless transactions using code information with simple means. [Means for solving the problem]

[0012] The first automated transaction device of the present invention comprises: (1)(2) a transaction port having a shutter through which a user can insert and remove currency; a generating means for generating linkage information relating to transactions carried out by users via the automated transaction device; (3) a communication means for transmitting the link information to a server that manages an account related to the transaction; (4) a display means for displaying code information obtained by encoding the link information; (5) The server compares the link information read from the code information displayed on the display means by the mobile terminal owned by the user with the link information transmitted from the communication means, and determines whether or not they match. Results of receiving the information from the server by the communication means; a transaction processing means for continuing or suspending the transaction based on transaction information received by the server from the mobile terminal; (6) If the transaction is to be continued based on the result of the verification by the server, the transaction processing means In the deposit or withdrawal process as the transaction, before opening the shutter of the transaction port At the timing, The linkage information; The code information is different from the first code information that is the code information first displayed on the display means. Code distinction information indicating that the information is code information The second code information is displayed on the display means.

[0013] The second automated teller machine of the present invention comprises: (1) a code information reading means for reading code information including information indicating the content of a transaction to be performed by a user and individual identification information for identifying a mobile terminal owned by the user; (2) a generating means for generating linked information regarding the transaction to be performed by the user via the automated teller machine; (3) a communication means for transmitting information read from the code information displayed on the mobile terminal and the linked information to a server that manages an account related to the transaction; and (4) after reading first code information, which is code information displayed on the mobile terminal using the code information reading means, the server determines whether or not the transaction is permitted, and if the transaction is permitted, the communication means transmits the linked information to the server after receiving the transaction permission from the server. Mobile and a display means for displaying second code information including code distinction information indicating that the code information is different from at least the first code information.

[0014] The third aspect of the present invention provides an automated trading program that includes: (1) The machine has a transaction port with a shutter that allows users to insert and remove coins. a generating means for generating linkage information relating to transactions carried out by users via the automated transaction device; (2) a communication means for transmitting the link information to a server that manages an account related to the transaction; (3) a display means for displaying code information obtained by encoding the link information; (4) The server compares the link information read from the code information displayed on the display means by the mobile terminal owned by the user with the link information transmitted from the communication means, and determines whether or not they match. Results of receiving the information from the server by the communication means; functioning as a transaction processing means for continuing or suspending the transaction based on the transaction information received by the server from the mobile terminal; (5) If the transaction is to be continued based on the result of the verification by the server, the transaction processing means In the deposit or withdrawal process as the transaction, before opening the shutter of the transaction port At the timing, The linkage information; The code information is different from the first code information that is the code information first displayed on the display means. Code distinction information indicating that the information is code information The second code information is displayed on the display means.

[0015] A fourth aspect of the present invention provides an automated transaction program for a computer, comprising: (1) a code information reading means for reading code information including information indicating the content of a transaction to be performed by a user and individual identification information for identifying a mobile terminal owned by the user; (2) a generating means for generating linked information regarding the transaction to be performed by the user via an automated transaction device; (3) a communication means for transmitting information read from the code information displayed on the mobile terminal and the linked information to a server that manages an account related to the transaction to be performed by the user via the automated transaction device; and (4) after reading first code information, which is code information displayed on the mobile terminal using the code information reading means, the server determines whether or not the transaction is permitted, and if the transaction is permitted, the communication means transmits the linked information to the server after receiving the transaction permission from the server. Mobile and second code information including code distinction information indicating that the code information is different from at least the first code information. [Effects of the Invention]

[0016] According to the present invention, it is possible to improve security in cardless transactions using code information using simple means. [Brief explanation of the drawings]

[0017] [Figure 1] 1 is a block diagram showing the internal configuration of an ATM according to a first embodiment. [Figure 2] 1 is an overall configuration diagram showing the overall configuration of a transaction system according to a first embodiment. [Figure 3] 1 is an external perspective view showing the external configuration of an ATM according to a first embodiment. [Figure 4] 2 is a block diagram schematically showing the internal configuration of a banknote deposit and withdrawal unit according to the first embodiment. FIG. [Figure 5] 1 is a block diagram schematically showing the internal configuration of a coin depositing and dispensing unit according to a first embodiment. [Figure 6] 3 is an explanatory diagram showing an example of a table managed by a management unit of a transaction center server according to the first embodiment; FIG. [Figure 7] FIG. 2 is a sequence diagram showing a characteristic operation (cardless deposit processing) of the transaction system according to the first embodiment. [Figure 8] FIG. 10 is an explanatory diagram showing an example of a second QR code displayed on the operation display unit of the ATM according to the first embodiment. [Figure 9] FIG. 2 is a sequence diagram showing a characteristic operation (cardless withdrawal processing) of the transaction system according to the first embodiment. [Figure 10] FIG. 10 is an overall configuration diagram showing the overall configuration of a transaction system according to a second embodiment. [Figure 11] FIG. 10 is an external perspective view showing the external configuration of an ATM according to a second embodiment. [Figure 12] FIG. 10 is a block diagram showing the internal configuration of an ATM according to a second embodiment. [Figure 13] FIG. 10 is a sequence diagram showing a characteristic operation (cardless deposit processing) of the transaction system according to the second embodiment. [Figure 14]FIG. 10 is a sequence diagram showing a characteristic operation (cardless withdrawal processing) of the transaction system according to the second embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0018] (A) First embodiment Hereinafter, a first embodiment of an automatic transaction device and an automatic transaction program according to the present invention will be described in detail with reference to the drawings. In the first embodiment, an example in which the automatic transaction device of the present invention is applied to an ATM will be described.

[0019] (A-1) Configuration of the First Embodiment (A-1-1) Overall composition FIG. 2 is a diagram showing the overall configuration of the transaction system according to the first embodiment.

[0020] In FIG. 2, a transaction system 5 is configured to include an ATM 1, a mobile terminal 2, and a transaction center server 3, all of which are connectable to a network N.

[0021] The network N is a communication network capable of communicating data related to financial transactions, and may be, for example, a private network. The network N may also be a public network as long as it is capable of communicating data related to financial transactions.

[0022] In the transaction system 5 of this embodiment, the transaction center server 3 compares the linkage information (described later) generated by the ATM 1 with the linkage information (first coded information) received from the user's mobile terminal 2 that reads the linkage information from the ATM 1. This makes it possible to confirm that the user who performs a transaction via the ATM 1 is actually present in front of the ATM 1, and the user can perform a transaction (cardless transaction) via the ATM 1 using his or her own mobile terminal 2 without carrying a cash card.

[0023] Furthermore, in order to enhance security in the cardless transactions described above, the transaction system 5 uses the above-mentioned linkage information (second coded information) as well as information identifying the mobile terminal 2 to confirm the identity of the user (operator) (to confirm whether the user has changed during the transaction) immediately before the user handles cash in deposit and withdrawal transactions.

[0024] The ATM 1 is an automated teller machine (ATM) installed in, for example, financial institutions, train stations, convenience stores, hotels, etc. Note that other devices that handle cash using code information, such as a POS register, a semi-self-service machine, or a ticket vending machine, may also be used instead of the ATM 1.

[0025] The ATM 1 can communicate with the transaction center server 3 via the network N and performs various financial transactions, such as transfer transactions, deposit transactions (deposit transactions), and withdrawal transactions (withdrawal transactions). For ease of explanation, only one ATM 1 is shown in FIG. 2 . However, in reality, multiple ATMs 1 are each connected to the transaction center server 3 via the network N. In this embodiment, when a cardless transaction is performed using the mobile terminal 2, the ATM 1 displays code information, which is information obtained by encoding link information including information for identifying the ATM 1. While this embodiment illustrates an example in which a QR code is used as the code information, various other codes (one-dimensional barcodes, two-dimensional codes, etc.) can be used.

[0026] The mobile terminal 2 can connect to the transaction center server 3 via the network N and can perform cardless transactions in cooperation with the ATM 1. When performing a transaction, the mobile terminal 2 reads a QR code (e.g., association information including information for identifying the ATM 1) displayed on the ATM 1 and transmits the association information to the transaction center server 3, thereby carrying out the transaction with the registered transaction details. The mobile terminal 2 can be a variety of devices, such as a smartphone, a tablet device, a laptop computer, a mobile phone, a game device, an e-book reader, or a wearable device.

[0027] The transaction center server 3 manages accounts related to transactions performed by users via the ATM 1. The transaction center server 3 receives, from the user's mobile terminal 2, linkage information, etc., which is read as a QR code from the ATM 1 by the mobile terminal 2. The transaction center server 3 compares the linkage information, etc., received from the ATM 1 with the linkage information, etc., received from the mobile terminal 2, and determines whether or not to allow the user to perform a transaction via the ATM 1 (the determination is made twice in total, as will be described in detail later).

[0028] (A-1-2) Detailed configuration of mobile terminal 2 As shown in FIG. 2, the mobile terminal 2 includes a reading unit 21, a communication unit 22, and an operation display unit .

[0029] Reading unit 21 reads a QR code displayed on a display or the like of ATM 1. For example, in the case of a withdrawal, as will be described later, the QR code is read twice: once after the authentication process by transaction center server 3 is successful and the type of transaction is selected, and once after a PIN is entered. In the case of a deposit, as will be described later, the QR code is read twice: once after the authentication process by transaction center server 3 is successful and the type of transaction is selected, and once after a deposit instruction is displayed.

[0030] Communication unit 22 is a network interface for connecting to transaction center server 3 via network N. Specifically, communication unit 22 transmits to transaction center server 3 login information, such as a password, entered by the user into mobile terminal 2 when logging in to transaction center server 3. When the login is authenticated by transaction center server 3, communication unit 22 receives a notification of authentication OK. Furthermore, communication unit 22 notifies transaction center server 3 of the type of transaction (e.g., withdrawal, deposit, etc.) and the amount of the transaction (e.g., withdrawal amount) accepted from the user. Communication unit 22 also transmits to transaction center server 3 linkage information, etc., included in the QR code read by reader 21 (this information is transmitted twice in total in the transaction sequence described below).

[0031] The operation display unit 23 is used for inputting login information, withdrawal amount, etc., and outputs this information, and is, for example, a touch panel display.

[0032] (A-1-3) ATM1 detailed configuration FIG. 3 is an external perspective view showing the external configuration of the ATM according to the first embodiment.

[0033] As shown in FIG. 3, the ATM 1 has an operation display unit 9, a card slot 13, a bill slot 14, a coin slot 15, and a receipt outlet 16.

[0034] The operation display unit 9 displays, for example, a transaction type selection menu screen, an operation screen for each transaction, a confirmation screen for transaction details, etc., and also captures input information entered by the user. For example, a touch panel type operation display unit can be applied to the operation display unit 9. Note that the operation display unit 9 is not limited to a touch panel type in which the operation unit and the display unit are integrated, and the operation unit and the display unit may each be physically separate units.

[0035] The card slot 13 is where the user inserts or removes a cash card.

[0036] The banknote inlet / outlet 14 is where a user inserts or removes banknotes. The banknote inlet / outlet 14 may be, for example, a bucket type having an openable / closable shutter, or a bucket type without an openable / closable shutter. When a user inserts banknotes, for example, in the case of a bucket type having an openable / closable shutter, the openable / closable shutter opens the opening of the bucket, and the user inserts banknotes into the opening of the bucket, and then the ATM 1 closes the openable / closable shutter to take in the inserted banknotes. When the ATM 1 delivers banknotes, the ATM 1 dispenses the banknotes into the bucket, and then the openable / closable shutter opens. Note that the banknote inlet / outlet 14 is not limited to being an integrated unit of a banknote inlet for inserting banknotes and a banknote outlet for discharging banknotes, and the banknote inlet and the banknote outlet may be physically separate from each other.

[0037] The coin deposit / withdrawal opening 15 is used by a user to deposit or withdraw coins. The coin deposit / withdrawal opening 15 may be, for example, a bucket type with an opening / closing body that can open and close the opening, or a bucket type without an opening / closing body. In this case, as with the banknote deposit / withdrawal opening 14, when a user or a store clerk deposits coins, for example, in the case of a bucket type with an opening / closing body, the opening / closing body opens the opening of the bucket, and then the user deposits coins into the opening of the bucket, and then the ATM 1 closes the opening / closing body to take in the deposited coins. Furthermore, when the ATM 1 delivers coins, the ATM 1 dispenses coins into the bucket, and then the opening / closing body opens. Note that the coin deposit / withdrawal opening 15 is not limited to being one in which the coin entrance for depositing coins and the coin outlet for discharging coins are integrated, and the coin entrance and coin outlet may each be physically separate.

[0038] The receipt outlet 16 is for discharging a receipt (detailed slip) on which the transaction details are printed.

[0039] Fig. 1 is a block diagram showing the internal configuration of an ATM according to the first embodiment. In Fig. 1, the ATM 1 has a control unit 10, a memory unit 20, an operation / display control unit 30, a communication unit 40, a card processing unit 50, a banknote deposit / withdrawal unit 60, a coin deposit / withdrawal unit 70, and a receipt issuing unit 80. Some of the components of the ATM 1 shown in Fig. 2 may be configured as software.

[0040] The control unit 10 is mainly composed of a CPU (Central Processing Unit) not shown, and controls each part to perform various processes such as deposit transactions, collection processing, and withdrawal transactions by reading and executing predetermined programs from ROM (Read Only Memory), RAM (Random Access Memory), and storage unit 20.

[0041] The storage unit 20 stores the processing programs executed by the control unit 10, and is configured by, for example, a flash memory or a HDD.

[0042] The operation display control unit 30 controls the operation of the operation display unit 9 under the control of the control unit 10. The operation display control unit 30 displays a screen on the operation display unit 9 based on screen information provided by the control unit 10, or provides information input from the operation display unit 9 to the control unit 10.

[0043] The communication unit 40 is a network interface for connecting to the transaction center server 3 via the network N.

[0044] The card processing unit 50 takes in or ejects a cash card from the card slot 13 under the control of the control unit 10. The card processing unit 50 also reads card information stored in a storage unit (e.g., a magnetic storage unit or an IC chip) of a cash card inserted from the card slot 13, and provides the card information to the control unit 10.

[0045] The banknote deposit / withdrawal unit 60 stores and manages banknotes by denomination under the control of the control unit 10.

[0046] 4 is a block diagram schematically illustrating the internal configuration of the banknote deposit / withdrawal unit according to the first embodiment. The banknote deposit / withdrawal unit 60 includes the banknote deposit / withdrawal port 14 described above, a banknote verification unit 61 that identifies the denominations of banknotes received through the banknote deposit / withdrawal port 14 and separated one by one by a banknote separation mechanism (not shown) and counts the identified banknotes by denomination, a banknote escrow unit 62 that accumulates and escrows the banknotes verified and counted by the banknote verification unit 61, one or more banknote storage vaults 63 that store deposited banknotes by denomination, a banknote reject vault 64, and a banknote transport unit 65 that transports banknotes to each unit. Note that FIG. 4 is a schematic diagram illustrating that each unit of the banknote deposit / withdrawal unit 60 is connected by the banknote transport unit 65 so that banknotes can be transported between them, and does not limit the arrangement, connection, or connection order of the units within the banknote deposit / withdrawal unit 60.

[0047] The coin depositing and dispensing unit 70 stores and manages coins by denomination under the control of the control unit 10.

[0048] FIG. 5 is a block diagram showing a schematic internal configuration of the coin depositing and dispensing unit according to the first embodiment. The coin depositing and dispensing unit 70 includes the coin depositing and dispensing opening 15, a coin verification unit 71 that identifies the denominations of coins received through the coin depositing and dispensing opening 15 and separated one by one by a coin separation mechanism (not shown) and counts the identified coins by denomination, a coin escrow unit 72 that accumulates and escrows the coins verified and counted by the coin verification unit 71, one or more coin storage vaults 73 that store deposited coins by denomination, a coin reject vault 74, and a coin transport unit 75 that transports coins to each unit. Note that FIG. 5 shows a schematic diagram of the connections between the components of the coin depositing and dispensing unit 70 via the coin transport unit 75 so that coins can be transported between them, and does not limit the arrangement, connection, or connection order of the components within the coin depositing and dispensing unit 70.

[0049] The receipt issuing unit 80, under the control of the control unit 10, prints the transaction results on a receipt and issues (discharges) it from the receipt discharge port 16.

[0050] (A-1-4) Detailed Configuration of the Control Unit 10 (Transaction Processing Unit 11, Generation Unit 12) The control unit 10 has a transaction processing unit 11 and a generation unit 12. This embodiment is characterized by cardless transaction processing, and the following description of each unit of the control unit 10 will focus on this point.

[0051] The transaction processing unit 11 performs information processing for conducting transactions with users (including processing associated with presenting information to users and accepting operations) and controls each component within the ATM 1 associated with transaction processing.

[0052] When a user selects cardless transaction from a screen (hereinafter referred to as the "transaction method selection screen") displayed on the operation display unit 9 of the ATM 1 for selecting a transaction method (transaction using a cash card or cardless transaction), the transaction processing unit 11 of the first embodiment uses the generation unit 12 described below to encode the linkage information and generate a QR code (first QR code) to display on the operation display unit 9. At the same time, the transaction processing unit 11 transmits the linkage information generated by the generation unit 12 to the transaction center server 3 via the communication unit 40.

[0053] In addition, when the transaction processing unit 11 receives the result of the transaction approval or disapproval (permission or denial) determined by the transaction center server 3 based on the linkage information (including the user's account information, etc. if the transaction is approved), if the transaction is approved, it continues the transaction at ATM 1, but if the transaction is denied, it cancels the transaction.

[0054] Furthermore, if the transaction is permitted, the transaction processing unit 11 uses the generation unit 12 to display a QR code (second QR code) generated by encoding the linkage information, etc., on the operation display unit 9 at a predetermined timing (for example, after the deposit instruction is displayed in the case of a deposit transaction, or after the PIN is entered in the case of a withdrawal transaction). If the transaction center server 3 verifies the second QR code (if the user's identity is confirmed), the transaction processing unit 11 puts the ATM 1 into a state where the user can handle cash (for example, in the case of a deposit transaction, the shutters of the banknote deposit / receive slot 14 and the coin deposit / receive slot 15 are opened).

[0055] When the generation unit 12 receives the selection of a cardless transaction, it generates linked information including an identifier for identifying the ATM 1 as a first identifier (e.g., the ATM terminal number), an identifier for identifying the transaction as a second identifier (e.g., a serial number, a random number, etc.), and / or the date and time when the transaction was accepted (e.g., the date (year, month, day) and the time (hour, minute, second), etc.). The generation unit 12 encodes the linked information and generates it as, for example, a QR code. Note that, to enhance security, the generation unit 12 may encrypt information including the ATM terminal number, the transaction serial number, and the date and time when the transaction was accepted to generate the linked information.

[0056] In addition to the above-mentioned link information, the second QR code includes information that allows the user's mobile terminal 2 (and the transaction center server 3) to distinguish between the first QR code and the second QR code. In other words, the second QR code includes information that is different from the first QR code and that allows the user to determine that the second QR code was generated, displayed, and read after the first QR code was read.

[0057] In this way, the shutters of the banknote deposit / withdrawal slot 14 and the coin deposit / withdrawal slot 15 of the ATM 1 will not open unless the user reads the second QR code with the mobile terminal 2 (in other words, unless the transaction center server 3 confirms that the second QR code has been read). Also, even if a person other than the person who initiated the transaction reads the second QR code with another mobile terminal, the shutters will not open because there is no record of the first QR code being read with that terminal.

[0058] Therefore, in the case of deposits, a malicious person cannot commit illegal acts (such as fraud) by using their own account information to advance the ATM to a state where deposits are possible, and then luring a third party to the ATM and further luring them to insert cash into the slot. Also, in the case of withdrawals, if the user leaves the ATM for some reason before entering the withdrawal amount confirmation into the ATM, the ATM will be left operable in a state waiting for the withdrawal amount confirmation to be entered, but the shutter will not open even if an unauthorized person (a person other than the user who initiated the transaction) reads the second QR code, and therefore the unauthorized person (a person other than the user who initiated the transaction) will not receive the money.

[0059] (A-1-5) Detailed configuration of transaction center server 3 As shown in FIG. 2, the transaction center server 3 includes a management unit 31, a communication unit 32, and a determination unit 33.

[0060] The management unit 31 manages accounts related to transactions performed by users via the ATM 1. The management unit 31 also stores in a table the type and amount of transactions notified from the user's portable terminal 2. The management unit 31 also stores in a table the link information received from the user's portable terminal 2.

[0061] Fig. 6 is a diagram illustrating the configuration of a table held by management unit 31. Referring to Fig. 6, the table holds "user ID," "branch number," "account (deposit) type," "account number," "transaction type (withdrawal / deposit)," "transaction amount (withdrawal amount)," and "linkage information" in association with each other. Note that the table configuration illustrated in Fig. 6 is merely an example, and management unit 31 may divide the attributes of these tables into multiple tables and hold them.

[0062] The communication unit 32 is a network interface for connecting with the ATM 1 and the portable terminal 2 via the network N. Specifically, the communication unit 32 receives login information, such as a password entered by the user when logging in. When the login is authenticated, the communication unit 32 sends a notification of authentication OK to the user's portable terminal 2. When the communication unit 32 receives the transaction type and amount (only in the case of withdrawal) from the user's portable terminal 2, the communication unit 32 stores these in a table (FIG. 6) of the management unit 31. When the communication unit 32 receives, from the portable terminal 2, link information that the user's portable terminal 2 reads from the ATM 1, the communication unit 32 stores the received link information in a table (FIG. 6) of the management unit 31. The communication unit 32 also receives link information generated by the ATM 1. With reference to the table (FIG. 6) held by the management unit 31, the communication unit 32 notifies the ATM 1 of account information indicating the user's account (e.g., information equivalent to the magnetic stripe information of a cash card) and transaction information indicating the transaction type and / or amount received from the portable terminal 2. Furthermore, if the communication unit 32 permits the withdrawal, it notifies the ATM 1 to that effect.

[0063] The determination unit 33 compares the link information received from the ATM 1 with the link information received from the mobile terminal 2, etc., and determines whether to permit the transaction. If the link information does not match, the determination unit 33 rejects the transaction registered from the user's mobile terminal 2. On the other hand, if the link information matches, the determination unit 33 notifies the ATM 1 of the account information and transaction information.

[0064] (A-2) Operation of the First Embodiment Next, the transaction processing in the transaction system 5 according to the first embodiment will be described in detail with reference to the drawings.

[0065] (A-2-1) Deposit transaction FIG. 7 is a sequence diagram showing a characteristic operation (cardless deposit processing) of the transaction system according to the first embodiment.

[0066] The communication unit 22 of the mobile terminal 2 transmits authentication information (such as a password) to the transaction center server 3 in order to log in to the transaction center server 3 (S101).

[0067] When transaction center server 3 authenticates the login of the user who owns portable terminal 2 (S102), it sends a notification of authentication OK to portable terminal 2 (S103). This completes the login to transaction center server 3.

[0068] The communication unit 22 of the mobile terminal 2 transmits the transaction type (deposit) received from the user to the transaction center server 3 (S104). The management unit 31 of the transaction center server 3 stores the received transaction type (deposit) in a table (FIG. 6) (S105).

[0069] When a user selects cardless transaction via the operation and display unit 9 of the ATM 1 (step S106), the generation unit 12 of the ATM 1 generates a first QR code that encodes linkage information (e.g., information including the ATM terminal number, a serial number identifying the transaction, and the date and time of acceptance). The transaction processing unit 11 of the ATM 1 displays the generated first QR code on the operation and display unit 9 (step S107).

[0070] Transaction processing unit 11 of ATM 1 transmits the linkage information that is the basis of the first QR code to transaction center server 3 (step S108). Management unit 31 of transaction center server 3 stores the received linkage information in a table (FIG. 6) (step S109).

[0071] The reader 21 of the portable terminal 2 reads the first QR code displayed on the operation display unit 9 of the ATM 1 (step S110). The communication unit 22 of the portable terminal 2 transmits the link information and information (user ID) for identifying the portable terminal 2 included in the read first QR code to the transaction center server 3 (step S111).

[0072] The determination unit 33 of the transaction center server 3 compares the link information stored in the table (FIG. 6) in step S109 (i.e., the link information received from the ATM 1) with the link information received from the mobile terminal 2 (step S112).

[0073] If the two pieces of linked information match, the communication unit 32 of the transaction center server 3 notifies the ATM 1 of the account information (step S113). On the other hand, if the two pieces of linked information do not match, the transaction center server 3 does not allow or deny the transaction (here, a deposit). The following will refer to the case where the transaction is allowed.

[0074] When the transaction is permitted and the account information is notified, the transaction processing unit 11 of the ATM 1 displays a deposit instruction on the operation and display unit 9 (step S114).

[0075] Next, the transaction processing unit 11 generates a second QR code using the generation unit 12 and displays the generated second QR code on the operation display unit 9 (step S115). Here, the second QR code is obtained by adding, in addition to the information of the first QR code, information different from the first QR code described above (such as a flag indicating the second QR code).

[0076] FIG. 8 is an explanatory diagram showing an example of a second QR code displayed on the operation display unit of the ATM according to the first embodiment.

[0077] In Fig. 8(A), the second QR code display screen 100 has a message display field 101 that displays a message urging the user to read the second QR code, and a second QR code display field 102 that displays the second QR code. Note that Fig. 8(A) is just an example, and is not limited to this, and various configurations may be applied (for example, a transaction type indicating deposit, withdrawal, etc. may be indicated). Also, the message display field 101 in Fig. 8(A) is not particularly limited as long as it urges the user to read the second QR code.

[0078] If there is no sign that the second QR code has been read using the mobile terminal 2 even after a predetermined period of time has elapsed since the second QR code was displayed on the operation and display unit 9 (for example, if there is no notification of the matching result (shutter open instruction) in step S119, which will be described later), the transaction processing unit 11 of the ATM 1 may superimpose a warning message 110 urging the user to read the second QR code on the second QR code display screen 100, as shown in Fig. 8(B). Furthermore, if there is no sign that the second QR code has been read using the mobile terminal 2 even after a predetermined period of time has elapsed since the warning message 110 was displayed, the transaction processing unit 11 may superimpose a transaction cancellation message 120, as shown in Fig. 8(C), on the second QR code display screen 100 to cancel the series of transactions.

[0079] The reader 21 of the portable terminal 2 reads the second QR code displayed on the ATM 1 (step S116). The communication unit 22 of the portable terminal 2 transmits the link information included in the read second QR code and the user ID of the portable terminal 2 to the transaction center server 3 (step S117).

[0080] The transaction center server 3 compares the linkage information (linkage information based on the first QR code) stored in the table (Figure 6) in the above-mentioned step S109 with the linkage information (linkage information based on the second QR code) received from the mobile terminal 2 (step S118).

[0081] If the transaction center server 3 confirms that the two pieces of linked information (including the user ID) match, that the second QR code is a different QR code from the first QR code, and that the reading of the second QR code was performed immediately after the reading of the first QR code, the user's identity has been confirmed, and the transaction center server 3 sends an instruction to the ATM 1 to open the shutters of the transaction ports (banknote outlet 14 and coin outlet 15) (S119).

[0082] The ATM 1 opens the shutters of the bill inlet / outlet 14 and the coin inlet / outlet 15 (S120). If no operation is performed within a predetermined time after step S120, the shutters may be closed and the transaction may be canceled.

[0083] When ATM 1 receives cash from the user and input to confirm the amount to be deposited, it performs a deposit process and notifies transaction center server 3 that the deposit has been made (step S121). Transaction center server 3 then performs a deposit process to the user's account (step S122).

[0084] The ATM 1 discharges a receipt with the transaction details written on it from the receipt discharge port 16, thereby completing the series of transactions (step S123).

[0085] (A-2-2) Withdrawal transactions 9 is a sequence diagram showing a characteristic operation (cardless withdrawal process) of the transaction system according to the first embodiment. The following mainly describes the difference between the withdrawal process and the deposit process shown in FIG.

[0086] Steps S101 to S113 in the withdrawal process shown in Fig. 9 are the same as steps S101 to S113 in the deposit process shown in Fig. 7. However, the withdrawal process shown in Fig. 9 differs from the deposit process shown in Fig. 7 in that in step S104, communication unit 22 of mobile terminal 2 transmits the transaction type (withdrawal) and withdrawal amount accepted from the user to transaction center server 3, in step S105, management unit 31 of transaction center server 3 stores the received transaction type (withdrawal) and withdrawal amount in the table (Fig. 6), and in step S113, if the linkage information matches, communication unit 22 of transaction center server 3 notifies ATM 1 of the withdrawal amount in addition to the account information.

[0087] After the above-mentioned step S113 (i.e., upon receiving notification of account information and withdrawal amount from the transaction center server 3), the transaction processing unit 11 of the ATM 1 accepts input of a PIN number from the user (step S201) and displays the withdrawal amount notified by the transaction center server 3 on the operation display unit 9 (step S202).

[0088] Then, when an input confirming the withdrawal amount is received from the user (step S03), communication unit 40 of ATM 1 transmits the input personal identification number to transaction center server 3 (step S204).

[0089] The determination unit 33 of the transaction center server 3 checks whether the received personal identification number matches the personal identification number of the account related to the transaction (step S205).

[0090] If the PINs match, the communication unit 32 of the transaction center server 3 notifies the ATM 1 that the withdrawal is permitted (step S206). On the other hand, if the PINs do not match, the transaction center server 3 notifies the ATM 1 that the withdrawal is not permitted. The following explanation will continue assuming that the withdrawal is permitted.

[0091] When the ATM 1 receives the notification of withdrawal permission, it performs the same processes as steps S115 to S119 shown in FIG. 7 (inquiry process based on the second QR code).

[0092] When the ATM 1 is instructed by the transaction center server 3 to open the shutters of the banknote deposit / withdrawal outlet 14 and the coin deposit / withdrawal outlet 15, it opens the shutter of the coin deposit / withdrawal outlet 15 and performs a withdrawal process according to the withdrawal amount notified by the transaction center server 3 (step S207).

[0093] When the user receives the cash dispensed from the ATM 1 (step S208) and also receives the receipt dispensed in step S123, the dispensing process is completed.

[0094] (A-3) Effects of the First Embodiment As described above, the first embodiment provides the following advantages.

[0095] In the above-described transaction system 5, whether it is a deposit transaction or a withdrawal transaction, by displaying the second QR code on the operation and display unit 9 before opening the shutter of the ATM 1 (banknote deposit / withdrawal slot 14 and coin deposit / withdrawal slot 15), the shutter cannot be opened unless the user's mobile terminal 2 reads the second QR code displayed on the operation and display unit 9 of the ATM 1 and it is confirmed that this reading was performed subsequent to the reading of the first QR code using the same mobile terminal 2 (same user ID) owned by the same user. This prevents a person other than the user who initiated the transaction from fraudulently performing a deposit transaction or withdrawal transaction.

[0096] Furthermore, it is possible to display and read the second QR code by utilizing the mechanism for displaying and reading the first QR code that has been provided in the transaction procedure (a function realized by the software of the ATM and transaction system). Therefore, compared to the technology realized by introducing hardware and software into the ATM and transaction system, for example, as disclosed in Patent Document 2, which "detects a change in the ATM user (ATM operator) by using image acquisition and image analysis by a camera and then cancels the transaction," it is possible to improve security while reducing implementation costs.

[0097] (B) Second embodiment A second embodiment of the automated teller machine and the automated teller program of the present invention will be described below in detail with reference to the drawings. In the second embodiment, an example in which the automated teller machine of the present invention is applied to an ATM will be described.

[0098] (B-1) Configuration of the second embodiment (B-1-1) Overall composition FIG. 10 is a diagram showing the overall configuration of a trading system according to the second embodiment.

[0099] The configuration of a transaction system 5A according to the second embodiment in Fig. 10 is the same as or corresponds to the configuration of the first embodiment shown in Fig. 2. However, since the configurations of a mobile terminal 2A and an ATM 1A according to the second embodiment are partially different from those of the mobile terminal 2 and the ATM 1 according to the first embodiment, the following description will focus on the differences.

[0100] (B-1-2) Detailed configuration of the mobile terminal 2A As shown in FIG. 10, the mobile terminal 2A includes a generating unit 24 in addition to the reading unit 21, the communication unit 22, and the operation display unit 23 described above.

[0101] The generation unit 24 generates a first QR code. In the first embodiment, the first QR code was displayed on the ATM screen during the transaction procedure, but in the second embodiment, the first QR code is not displayed on the ATM screen, but instead is displayed on the operation display unit 23 when the user starts an application on the mobile terminal 2A and selects a transaction. Furthermore, the configuration of the first QR code differs from that of the first embodiment as described below.

[0102] The generation unit 24 generates a first QR code, which is coded information indicating the transaction details selected using a financial institution application installed on the mobile terminal 2 and information identifying the mobile terminal 2A (application) (for example, the above-mentioned user ID).

[0103] (B-1-3) ATM1A detailed configuration FIG. 11 is an external perspective view showing the external configuration of the ATM according to the second embodiment.

[0104] As shown in FIG. 11, the ATM 1A has a code reader 17 in addition to the operation and display unit 9, card slot 13, bill slot 14, coin slot 15, and receipt slot 16 described above.

[0105] The code reading unit 17 reads code information such as a one-dimensional code such as a barcode or a two-dimensional code such as a QR code. The code reading unit 17 reads the code information displayed on the operation display unit 23 of the mobile terminal 2, restores transaction data etc. based on the code information, and provides the transaction data etc. to the control unit 10A.

[0106] FIG. 12 is a block diagram showing the internal configuration of an ATM according to the second embodiment.

[0107] As shown in FIG. 12, the ATM 1A has a control unit 10A in addition to the memory unit 20, operation display control unit 30, communication unit 40, card processing unit 50, banknote deposit / withdrawal unit 60, coin deposit / withdrawal unit 70, and code reading unit 17 described above.

[0108] The control unit 10A includes a transaction processing unit 11A and a generation unit 12A.

[0109] The transaction processing unit 11A of the second embodiment reads the first QR code displayed on the operation display unit 23 of the mobile terminal 2A via the above-mentioned code reading unit 17, and then uses the communication unit 40 to send the transaction information (including the user ID, etc.) obtained from the first QR code and the above-mentioned linkage information to the transaction center server 3.

[0110] In addition, when the transaction processing unit 11 receives the result of the transaction approval or disapproval (approval or denial) determined by the transaction center server 3 based on the collaboration information, if the transaction is approved, it continues the ATM transaction (performing processing such as displaying the second QR code described above), but if the transaction is denied, it cancels the transaction.

[0111] The generation unit 12A generates a second QR code that includes information read by the first QR code (transaction information, user ID, etc.), linkage information, and information indicating information different from the first QR code.

[0112] As a variant, the second QR code does not have to include the mobile user ID (information about the mobile terminal that read the first QR code), which is information that identifies mobile terminal 2A. This is because ATM 1A transmits the user ID of mobile terminal 2A at the time when ATM 1A causes transaction center server 3 to read the first QR code. In other words, if mobile terminal 2A reads the second QR code and transmits information with the user ID added along with the read information, transaction center server 3 can compare the user ID at the time when the first QR code was read with the user ID at the time when the second QR code was read to verify the authenticity of the user.

[0113] (B-2) Operation of the Second Embodiment Next, a transaction process in the transaction system 5A according to the second embodiment will be described in detail with reference to the drawings.

[0114] (B-2-1) Deposit transaction 13 is a sequence diagram showing a characteristic operation (cardless deposit processing) of the transaction system according to the second embodiment. It is assumed that an application that can perform cardless transaction processing at a financial institution such as a bank is installed on the mobile terminal 2A.

[0115] An application (banking application) is started on the mobile terminal 2A by a user operation (S301).

[0116] A menu screen is displayed on the operation display unit 23 of the mobile terminal 2A, and the user selects the desired transaction (S302). Here, it is assumed that a deposit transaction is selected. Also, although detailed settings for registering the name of the financial institution, branch number, account number, account holder, etc. are not explained here, it is assumed that these are registered in advance.

[0117] The mobile terminal 2A uses the generation unit 24 to generate a first QR code, which is coded information that identifies the transaction details selected in the above-mentioned step S302 and information that identifies the mobile terminal 2A (application) (e.g., a user ID), and displays the generated first QR code on the operation display unit 23 (S303).

[0118] The user holds the first QR code displayed on the operation display unit 23 of the portable terminal 2A over the code reading unit 17 of the ATM 1A (S304).

[0119] In the ATM 1A, the code reader 17 reads the first QR code and restores the transaction data (including the user ID) based on the first QR code (S305).

[0120] The ATM 1A transmits the link information including the information for identifying the ATM 1A (ATM terminal number) and the above-mentioned transaction data to the transaction center server 3 (S306).

[0121] The transaction center server 3 stores the received transaction data (transaction type (deposit)) in a table (FIG. 6) (S307). The transaction center server 3 also stores the received link information in a table (FIG. 6) (step S308).

[0122] When the transaction center server 3 has successfully stored the transaction data and link information and confirmed the account information linked to the user ID, it notifies the ATM 1 whether the transaction is permitted (step S309). Here, it is assumed that the transaction is permitted to the ATM 1.

[0123] The processing from step S309 onwards is the same as the processing from step S114 to step S123 in FIG. 7 described above, and therefore a description thereof will be omitted.

[0124] (B-2-2) Withdrawal transactions 14 is a sequence diagram showing a characteristic operation (cardless withdrawal process) of the transaction system according to the second embodiment. The following mainly describes the difference between the withdrawal process and the deposit process shown in FIG.

[0125] Steps S301 to S309 in the withdrawal process shown in Figure 14 are the same as steps S301 to S309 in the deposit process shown in Figure 13. However, the withdrawal process shown in Figure 14 differs from the deposit process shown in Figure 13 in that in step S302, a withdrawal transaction and withdrawal amount are input as the desired transaction, and in step S307, the management unit 31 of the transaction center server 3 stores the received transaction type (withdrawal) and withdrawal amount in a table (Figure 6).

[0126] The processing from step S309 onwards is the same as the processing from step S201 to step S208 (and steps S115 to S119, step S123) in FIG. 9 described above, and therefore a description thereof will be omitted.

[0127] (B-3) Effects of the Second Embodiment As described above, the second embodiment provides the following advantages.

[0128] Even when a QR code (first QR code) is generated on the mobile terminal 1A and the mobile terminal 1A displaying the first QR code is held over the ATM 1A to conduct a transaction, the transaction is confirmed using the second QR code when the user handles cash, as in the first embodiment. That is, the server determines whether the communicating mobile terminal (application) matches the mobile terminal (application) used in the transaction, and can continue or interrupt the transaction based on that determination. In other words, it determines whether the mobile terminal (application) used throughout the transaction is the same, that is, whether the user who initiated the transaction is consistently performing operations, and can continue or interrupt the transaction based on that determination. This, like the first embodiment, provides the effect of preventing operations by a malicious user other than the user who initiated the transaction during the transaction.

[0129] (C) Other embodiments Although various modified embodiments have been mentioned in the first and second embodiments described above, the present invention can also be applied to the following modified embodiments.

[0130] (C-1) In the first and second embodiments described above, the configuration (card slot 13, card processing unit 50) that allows the use of a cash card in the ATM is shown, but these configurations may be omitted. Also, if it is sufficient to handle only banknotes or coins, the configuration related to banknotes (banknote slot 14, banknote deposit / withdrawal unit 60) or the configuration related to coins (coin slot 15, coin deposit / withdrawal unit 70) may be omitted from the ATM.

[0131] (C-2) In the second embodiment described above, an example was described in which a first QR code was displayed on the mobile terminal 2A and read by the ATM 1A, but data (transaction data, user ID, etc.) may also be transferred using short-range wireless communication such as Bluetooth (registered trademark).

[0132] (C-3) In the first and second embodiments described above, the second QR code is displayed immediately after step S206 (withdrawal permission) in FIGS. 9 and 14 of the withdrawal process. As a variation, since the withdrawal amount is known at this point, the ATM1 (1A) may dispense cash equivalent to the withdrawal amount from the banknote storage vault 63 (coin storage vault 73), count and validate it using the banknote verification unit 61 (coin verification unit 71), and transfer it to the banknote deposit / receive opening 14 (coin deposit / receive opening 15) with the shutter still closed. Then, after transferring the cash, the ATM1 (1A) may display the second QR code. However, in this case, if a notification that the transaction cannot be continued is received in step S119, the dispensed cash needs to be returned to the banknote storage vault 63 (coin storage vault 73).

[0133] (C-4) In the second embodiment described above, the server determines (confirms) the legitimacy of the transaction based on the second QR code. However, as a modified example, this determination process may be performed on the ATM side. Specifically, after step S308 in FIGS. 13 and 14, the transaction center server 3 instructs the mobile terminal 2A to display the second QR code (including the user ID, second QR code flag, etc.). Next, as in the case of the first QR code, the transaction center server 3 causes the ATM 1A to read the second QR code displayed on the mobile terminal 2A. Then, the ATM 1A determines the legitimacy of the transaction based on the information in the read first QR code and second QR code.

[0134] (C-5) In the first and second embodiments described above, examples have been shown in which the automated teller machine of the present invention is applied to an ATM, but the automated teller machine of the present invention may also be applied to a cash dispenser or the like that is specialized for dispensing cash. In this case, the configurations and operations related to dispensing money from the above-described embodiments are applied.

[0135] (C-6) As a modified example, the trading system 5 (5A) may use a combination of all or part of the configurations and functions of the above-described embodiments and the modified examples described in (C-1) to (C-5). [Explanation of symbols]

[0136] 1A...mobile terminal, 2...mobile terminal, 2A...mobile terminal, 3...transaction center server, 5, 5A...transaction system, 9...operation display unit, 10, 10A...control unit, 11, 11A...transaction processing unit, 12, 12A...generation unit, 13...card input / output port, 14...banknote input / output port, 15...coin input / output port, 16...receipt output port, 17...code reading unit, 20...storage unit, 21...reading unit, 22...communication unit, 23...operation display unit, 24...generation unit, 30...operation display control unit, 31...management unit, 32...communication unit, 33...determination unit, 40...communication unit, 50...card processing unit, 60...banknote deposit / withdrawal unit, 61...banknote verification unit, 62...banknote escrow unit, 63...banknote storage vault, 64...banknote reject vault, 65...banknote transport unit, 70...coin deposit / withdrawal unit, 71...coin verification unit, 72...coin escrow unit, 73...coin storage vault, 74...coin reject vault, 75...coin transport unit, 80...statement slip issuing unit, 100...second QR code display screen, 101...message display field, 102...second QR code display field, 110...warning message, 120...transaction cancellation message, N...network

Claims

1. a transaction port having a shutter, into which a user can insert and remove currency; a generating means for generating linkage information relating to transactions carried out by users via the automated transaction device; a communication means for transmitting the link information to a server that manages an account related to the transaction; a display means for displaying code information obtained by encoding the link information; a transaction processing means for causing the server to compare the link information read from the code information displayed on the display means by the mobile terminal owned by the user with the link information transmitted from the communication means, receiving from the server via the communication means a result indicating whether or not the two information match, and continuing or suspending the transaction based on the transaction information received by the server from the mobile terminal, If the transaction is to be continued based on the collation result of the server, the transaction processing means displays, on the display means, second code information including the link information and code distinction information indicating that the code information is different from the first code information, which is the code information initially displayed on the display means, in the deposit processing or withdrawal processing as the transaction, at a timing before the shutter of the transaction port is opened. An automatic transaction device characterized by:

2. The transaction processing means of the automatic transaction device described in claim 1, characterized in that the server compares the linkage information read from the second code information displayed on the automatic transaction device by the mobile terminal with the linkage information received from the automatic transaction device, and continues or stops the transaction based on whether the two match, whether the second code information is different from the first code information based on the code distinction information read from the second code information, and whether the first code information and the second code information were read by the same mobile terminal.

3. the portable terminal reads the first code information or the second code information, and when transmitting the read information to the server, also transmits individual identification information that identifies an individual of the portable terminal to the server; Whether the first code information and the second code information are read by the same portable terminal is determined based on the individual identification information.

3. The automated transaction device according to claim 2.

4. The automatic transaction device described in claim 2 or 3, characterized in that the transaction processing means controls the opening of the shutter during a deposit process or a withdrawal process when the server compares the linkage information read from the second code information displayed on the automatic transaction device by the mobile terminal with the linkage information received from the automatic transaction device and finds that the two match, and that the code distinction information read from the second code information indicates that the second code information is different from the first code information, and further that the first code information and the second code information were read by the same mobile terminal.

5. a code information reading means for reading code information including information indicating the content of a transaction to be performed by a user and individual identification information for identifying a mobile terminal owned by the user; a generating means for generating linked information relating to the transaction carried out by the user via the automated transaction device; a communication means for transmitting the information read from the code information displayed on the mobile terminal and the link information to a server that manages an account related to the transaction; a display means for reading first code information, which is code information displayed on the mobile terminal, using the code information reading means, and then the server determines whether or not the transaction is permitted, and if the transaction is permitted, displaying second code information including the link information and code distinction information indicating that the code information is different from at least the first code information after the communication means receives the transaction permission from the server; An automatic transaction device comprising:

6. The automatic transaction device described in claim 5 further has a transaction processing means in which the server compares the linkage information read by the mobile terminal from the second code information displayed on the automatic transaction device with the linkage information received from the automatic transaction device to determine whether the two match, whether the second code information is different from the first code information based on the code distinction information read from the second code information, and whether the mobile terminal that generated the first code information and the mobile terminal that read the second code information are the same mobile terminal, and continues or stops the transaction based on this.

7. Computer, a generating means for generating linked information relating to a transaction carried out by a user via an automated teller machine having a transaction opening with a shutter, into which a user can deposit and withdraw money; a communication means for transmitting the link information to a server that manages an account related to the transaction; a display means for displaying code information obtained by encoding the link information; the server compares the link information read from the code information displayed on the display means with the link information transmitted from the communication means by the mobile terminal owned by the user, receives a result from the server via the communication means as to whether the two information match, and functions as a transaction processing means for continuing or suspending the transaction based on the transaction information received by the server from the mobile terminal; If the transaction is to be continued based on the collation result of the server, the transaction processing means causes the display means to display second code information including the link information and code distinction information indicating that the code information is different from the first code information, which is the code information initially displayed on the display means, at a timing before the shutter of the transaction port is opened in the deposit processing or withdrawal processing as the transaction. An automated trading program characterized by:

8. Computer, a code information reading means for reading code information including information indicating the content of a transaction to be performed by a user and individual identification information for identifying a mobile terminal owned by the user; a generating means for generating linked information relating to the transaction carried out by the user via the automated transaction device; a communication means for transmitting information read from the code information displayed on the mobile terminal and the link information to a server that manages an account related to the transaction performed by the user via the automated transaction device; a display means for reading first code information, which is code information displayed on the mobile terminal, using the code information reading means, and then the server determines whether or not the transaction is permitted, and if the transaction is permitted, displaying second code information including the link information and code distinction information indicating that the code information is different from at least the first code information after the communication means receives the transaction permission from the server; An automatic trading program characterized by functioning as follows.

Images