Information processing device, information processing method, and program

Abstract

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

Description

[Technical Field]

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

[0002] Conventionally, there has been known a system in which financial institutions that provide services such as deposits and withdrawals enable users to use the services of the financial institution through ATMs installed in convenience stores, etc. This system allows users to use the financial institution's services such as deposits and withdrawals by operating the ATM without, for example, visiting the financial institution's counter, and is convenient because it allows users to use the financial institution's services such as deposits and withdrawals regardless of the financial institution's counter opening hours or location.

[0003] 2. Description of the Related Art A system is known in which incentives for using various transaction services provided by financial institutions via ATMs are given to users by offering them special benefits or the like in return for using the services.

[0004] For example, Patent Document 1 discloses a point management method that can efficiently provide point services to a user's deposit account. Points are awarded to a deposit account specified by a cash card or the like, based on the amount of withdrawals, and the points are provided. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Laid-Open No. 2003-281383 Summary of the Invention [Problem to be solved by the invention]

[0006] However, in providing transaction services via ATMs, the ATMs may be operated by the financial institution providing the transaction services or its affiliated institutions, or may be operated by other operating institutions affiliated with the financial institution. Therefore, there is a demand for expanding the use of transaction services via ATMs provided by specific institutions.

[0007] In addition, some ATM operators partner with multiple financial institutions and make available the transaction services of those multiple financial institutions. For example, if a user holds multiple trading accounts, the user can access the transaction services of multiple financial institutions by operating the nearest ATM and conduct transactions for each of the multiple trading accounts. Therefore, by offering benefits for using the transaction services for multiple accounts held by a user, rather than just for a specific account, it is expected that the use of transaction services will be further expanded.

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

[0009] An information processing device according to one embodiment of the present invention includes a storage means for storing information capable of identifying a user in association with the user's biometric information; an acquisition means for acquiring the biometric information input by the user through operation of the ATM; a determination means for identifying the user operating the ATM and determining the number of transactions performed by the user based on the result of comparing the acquired biometric information with the biometric information stored in the storage means; and a display control means for causing the ATM to display the result of the determination. According to this embodiment, it is possible to support the expansion of use of transaction services via ATMs.

[0010] An information processing method according to one aspect of the present invention includes a storage step in which one or more computers associate and store information capable of identifying a user with the user's biometric information; an acquisition step in which the biometric information input by the user through operation of the ATM is acquired; a determination step in which the acquired biometric information is compared with biometric information stored in a storage means to identify the user operating the ATM and determine the number of transactions performed by the user; and a display control step in which the ATM displays the results of the determination. According to this embodiment, it is possible to support the expansion of use of transaction services via ATMs.

[0011] A program according to one aspect of the present disclosure causes one or more computers to execute a storage step of associating and storing information capable of identifying a user with the user's biometric information; an acquisition step of acquiring the biometric information input by the user through operation of the ATM; a determination step of identifying the user operating the ATM and determining the number of transactions performed by the user based on the results of comparing the acquired biometric information with biometric information stored in a storage means; and a display control step of causing the ATM to display the results of the determination. According to this embodiment, it is possible to support the expansion of use of transaction services via ATMs. [Effects of the Invention]

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

[0013] [Figure 1] 1 illustrates a configuration of an information processing system according to an embodiment of the present disclosure. [Figure 2] 1 illustrates the configuration of an ATM according to one embodiment of the present disclosure. [Figure 3] 1 illustrates a hardware configuration of an information processing device according to an embodiment of the present disclosure. [Figure 4] 1 illustrates a functional configuration of an information processing device according to an embodiment of the present disclosure. [Figure 5] 1 shows an overview of information stored according to one aspect of the present disclosure. [Figure 6] 1 shows an overview of information stored according to one aspect of the present disclosure. [Figure 7] 1 shows an overview of information stored according to one aspect of the present disclosure. [Figure 8] 1 shows an overview of information stored according to one aspect of the present disclosure. [Figure 9] 1 illustrates a screen display by an information processing system according to an embodiment of the present disclosure. [Figure 10] 1 illustrates a screen display by an information processing system according to an embodiment of the present disclosure. [Figure 11] 1 illustrates a screen display by an information processing system according to an embodiment of the present disclosure. [Figure 12] 1 illustrates a screen display by an information processing system according to an embodiment of the present disclosure. [Figure 13] 1 illustrates a screen display by an information processing system according to an embodiment of the present disclosure. [Figure 14] 1 illustrates a screen display by an information processing system according to an embodiment of the present disclosure. [Figure 15] FIG. 1 is a diagram illustrating an operation of an information processing system according to an aspect of the present disclosure. [Figure 16] FIG. 1 is a diagram illustrating an operation of an information processing system according to an aspect of the present disclosure. DETAILED DESCRIPTION OF THE INVENTION

[0014] Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings. In the drawings, components with the same reference numerals have the same or similar configurations.

[0015] 1. Information processing system configuration 1 illustrates an example of the configuration of an information processing system 1 according to one embodiment of the present disclosure. The information processing system 1 includes an ATM (Automatic Teller Machine) (sometimes called a cash dispenser) 10, an information processing device 30, and a financial transaction server device 70. The devices and systems constituting the information processing system 1 are communicatively connected via a communication network N.

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

[0017] (ATM) The ATM 10 is a device that can be operated by a user (sometimes referred to as a "user" in this disclosure) to receive transaction services. In recent years, ATMs 10 have become widely installed in public spaces such as financial institutions, convenience stores, commercial facilities, train stations, and airports. The transaction services that can be received through the operation of the ATM 10 are becoming increasingly diverse. Examples of such services include, but are not limited to, deposits and withdrawals from a transaction account, opening a transaction account and managing various notification information, paying utility bills and other fees, receiving funds, remittances, donations, various applications related to identification documents (such as My Number cards), managing various expiration dates (such as the expiration date of stay for foreign nationals), receiving various tickets, and various procedures such as hotel check-ins. The transaction services may be financial services or non-financial services. Furthermore, in this disclosure, the term "deposits and withdrawals" is not limited to cash deposits and withdrawals, but may also include automatic remittances, donations, and bank transfers.

[0018] 2 illustrates an example of the appearance of the ATM 10. The ATM 10 includes a main display unit 101, a card reading unit 102 that accepts magnetic cards such as cash cards, a banknote deposit / withdrawal unit 103 that deposits and withdraws banknotes, an operation unit 104 that is operated by the user, a code reading unit 105 that reads codes such as barcodes and two-dimensional codes, an optical reading unit 106, a stand 107, a sub-display unit 108, a contactless IC communication unit 109, a camera 110, and a memory unit 111 (not shown).

[0019] The main display unit 101 has, for example, a display means such as a liquid crystal display, and an input means such as a touch panel that accepts input from the user. Screens and input keys that guide the user's operations are displayed on the display means, and the user can input information corresponding to the input keys by pressing the input keys on the touch panel. Note that the user can input the same information by operating the input means (such as a numeric keypad) of the operation unit 104 instead of the input means displayed on the main display unit 101.

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

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

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

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

[0024] The ATM 10 may include an authentication means for verifying the identity of a user by transmitting and receiving various information to and from an authentication server device (not shown) connected via a communication network N. In one embodiment, the authentication means allows a user to log in to their account's My Page using a cash card, for example. The account's My Page can serve as a platform for the user to use various services (transaction services) related to the account. In another embodiment, the authentication means can verify the identity of a user by using an identification code and a facial image for facial recognition transactions when the user logs in to their account's My Page. For example, a different identification code and a facial image may be associated and registered in the authentication server device for each transaction account at a financial institution where the user conducts transactions. The identification code may be notified only to the user in advance. The user operates the ATM 10 to input the identification code and takes a facial photograph in front of the ATM 10. The ATM 10 then queries the authentication server device based on the input identification code, retrieves the facial image associated with the identification code, and compares it with a facial photograph (facial image) taken by the user in front of the ATM 10. If the face authentication is determined to be successful, for example, because a certain number of feature points match, the ATM 10 displays the account's My Page (for example, the screen for selecting transaction details shown in FIG. 10). This allows the user to log in to the account's My Page on the ATM 10 without using a cash card.

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

[0026] (Information processing device) The information processing device 30 has the functional configuration described below and is a device that executes various processes based on user operations on the ATM 10. The information processing device 30 is not particularly limited, and examples thereof include a desktop, a laptop, and other dedicated or general-purpose computers. The information processing device 30 may be configured as a single computer or may be configured as multiple computers on a communication network N.

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

[0028] In the present disclosure, the information processing system 1 is described as including an ATM 10, an information processing device 30, and a financial transaction server device 70, but this is not necessarily limited to this as long as the expanded use of transaction services is supported by realizing the functions of the information processing device 30 described below. For example, the ATM 10 may also perform the functions of the information processing device 30. The information processing device 30 may also perform the functions of the ATM 10.

[0029] 2. Hardware Configuration 3 illustrates an example of a hardware configuration of the information processing device 30. The information processing device 30 includes a processor 30a, a storage device 30b, a communication IF (Interface) 30c, an input device 30d, and an output device 30e.

[0030] The processor 30a is a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), or the like.

[0031] The storage device 30b is a memory, a hard disk drive (HDD), and / or a solid state drive (SSD), etc. The memory is, for example, a random access memory (RAM) and / or a read only memory (ROM).

[0032] The communication IF 30c is a device that performs data communication with other devices via the communication network N in a wired or wireless manner.

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

[0034] The output device 30e outputs information, and is, for example, a display, a touch panel, and / or a speaker.

[0035] The hardware configurations of the ATM 10, the financial transaction server device 70, and the authentication server device can be similar to that of the information processing device 30, and therefore a description thereof will be omitted.

[0036] 3. Functional configuration FIG. 4 illustrates an example of the functional configuration of the information processing device 30. The information processing device 30 includes a storage unit 310 and a control unit 320. The control unit 320 may include display control means 321, acquisition means 322, and determination means 323. The storage unit 310 may be implemented using a storage unit 30b included in the information processing device 30. Each component of the control unit 320 may be implemented by a processor 30a included in the information processing device 30 executing a program stored in the storage unit 30b. The program may be stored in a storage medium. The storage medium storing the program may be a non-transitory computer-readable medium. The non-transitory storage medium may be, for example, a universal serial bus (USB) memory or a compact disc read-only memory (CD-ROM).

[0037] (Storage part) The storage unit (storage means) 310 stores various information required for the operation of the information processing device 30. For example, the storage unit 310 stores stored data such as correspondence data 311, transaction history data 312, and transaction summary data 313. Below, an overview of the information stored in these stored data will be described with reference to FIGS.

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

[0039] FIG. 6 is a diagram illustrating the correspondence between biometric information and transaction account information in the correspondence data 311. As shown in FIG. 6, multiple pieces of biometric information may be stored in association with one piece of transaction account information. Specifically, for example, face information and iris information are registered (stored in association) for one transaction account. By allowing a user to register multiple pieces of biometric information, even if matching of a specific piece of biometric information is unsuccessful, other pieces of biometric information can be used for matching, which is useful. For example, due to changes in facial appearance, it may be difficult to successfully match a face image taken one month ago with a face image taken one month later, even for the same person. In such cases, registering an iris image, for example, as biometric information other than a face image may be useful, as it may be possible to use the iris image for matching to verify that transactions are made by the same person.

[0040] Furthermore, as shown in Fig. 6, multiple pieces of trading account information may be stored in association with one piece of biometric information. Specifically, for example, facial information of the same person may be stored in association with trading account 1 and trading account 2. This makes it possible to track transactions made by the same person even if the transactions are made with different trading accounts.

[0041] The transaction history data 312 stores, for each use of a transaction service, transaction content information related to the content of the transaction service (transaction content), information that can identify the user or the user's biometric information, and transaction account information. The transaction content information may include, for example, the content of the transaction service (transfer, deposit, withdrawal, account opening, change of notification information, payment of utility bills, etc.) and the transaction date and time. The criteria for storing transaction service usage as history are not particularly limited, and may be determined based on, for example, the transaction content and transaction date and time. Specifically, for example, a use with a transaction content of "deposit" at 10:00 AM on September 1, 2024 may be stored as one transaction history. FIG. 7 illustrates an example of an overview of the information stored in the transaction history data 312. In the example of FIG. 7, biometric information b110, transaction account information ac110, transaction content (transfer), and the date and time of the transaction are stored as transaction D1. The transaction history data 312 may be configured to store only the transaction service usage history when the biometric information is successfully matched by the determination means 323 described below. The transaction service usage history when the biometric information is not successfully matched may be stored in the transaction history data 312 without the biometric information.

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

[0043] The functional configuration of the control unit 320 will be described below with reference to Figures 9 to 14. In the following, a case where the transaction service is depositing or withdrawing money from a transaction account will be described as an example.

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

[0045] 9 to 11 show an example of a screen D800 related to the registration of biometric information. Screen D800 in FIG. 9 may be displayed on the ATM 10 when a transaction for a specified transaction account is completed. Screen D800 displays a message d810 asking "Do you want to register biometric information for your account?" along with a "Register biometric information" button d820. When the user selects button d820, the process of registering biometric information for the transaction account used in the transaction is instructed to begin.

[0046] FIG. 10 illustrates a screen D900 displayed on the ATM 10, allowing the user to select transaction details. The example screen D900 is a screen for selecting transaction details for a specific transaction account to which the user has logged in using a cash card, facial recognition, or the like. The screen for selecting transaction details may be displayed on the user's personal page, where the user logs in after verifying their identity and uses transaction services. Screen D900 displays a message such as "Please select transaction details," buttons for "Withdrawal" and "Deposit," and a "Register biometric information" button d910. When the user selects button d910, a command is issued to start the process of registering biometric information for the transaction account to which the user has logged in.

[0047] FIG. 11 illustrates a screen D1000 displayed on the ATM 10 for confirming the registered biometric information. The screen D1000 displays a facial photograph d1010 and account information d1011 associated with the facial photograph d1010 as biometric information. As in the screen D1000, other account information d1012 associated with the facial photograph d1010 may also be displayed. For example, when a user attempts to associate account information d1011 for account 1 with the facial photograph d1010, if another account (account 2) has already been registered for the facial photograph d1010, the facial photograph d1010 and the account information for accounts 1 and 2 associated with the facial photograph d1010 may be displayed. When the user selects the “Register” button d1013, an instruction is issued to associate and store the facial photograph d1010 and account information d1011 with the facial photograph d1010 and account information d1012, respectively.

[0048] In another embodiment, the display control unit 321a may display a screen for the user to register new biometric information when a change in the user's appearance is detected from the user's facial image. For example, a change in appearance may be detected when a facial image taken by the user in front of the ATM 10 is compared with a facial image stored in the correspondence data 311 and the number of matching feature points in a portion of the face is less than a certain number. In this case, the display control unit 321a may suggest to the user that the biometric information be updated. This suggestion may be made, for example, by displaying a message such as "Do you want to update the biometric information for your account?" or "The biometric information for your account has not been matched. Please update your biometric information" upon completing a transaction for a specific transaction account on the ATM 10. Furthermore, because biometric features, such as facial appearance, are expected to change over time, unlike information such as name, the display control unit 321a may automatically suggest updating the biometric information after a predetermined period of time has passed since the biometric information was registered. Providing a mechanism for updating biometric information in this way is expected to improve security.

[0049] (Acquisition method) The acquisition unit 322 acquires biometric information of a user via the ATM 10. The biometric information is information about the user's body to identify the user, and examples thereof include information about facial features, fingerprints, voiceprints, irises, veins, and retinas.

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

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

[0052] The acquiring means 322 may further acquire information that can identify the user. For example, the acquiring means 322 acquires the name and telephone number that the user entered when performing identity verification through operation of the ATM 10 and logging in to their personal page to use transaction services. The acquired information that can identify the user is stored in the storage unit 310 in association with the user's biometric information.

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

[0054] The acquiring unit 322 may further acquire transaction content information. For example, the acquiring unit 322 acquires information regarding the transaction content input by the user through operation of the ATM 10 and the date and time of the operation. The acquired transaction content information is stored in the transaction history data 312 as a transaction history.

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

[0056] (1) Biometric information verification The determination means 323 refers to the correspondence data 311 and compares the biometric information acquired by the acquisition means 322 with the biometric information stored in the correspondence data 311. For example, the determination means 322 may refer to the correspondence data 311 and read out biometric information similar to the biometric information acquired by the acquisition means 322, and use this information as a target for matching. The determination means 323 may refer to the correspondence data 311 and read out biometric information that is stored in association with information that can identify the user, acquired together with the biometric information by the acquisition means 322, and use this information as a target for matching. The extraction and matching of similar biometric information may be performed using well-known methods such as image processing. For example, the extraction and matching of similar biometric information can be performed based on whether or not a certain number of feature points of the facial images match.

[0057] (2) Identifying users operating ATMs (see Figure 5) Based on the result of the matching, the determination means 323 identifies the user operating the ATM 10. For example, the determination means 323 determines that the matching between the biometric information n110 acquired by the acquisition means 322 and the biometric information b110 stored in the correspondence data 311 has been successful. Then, the determination means 323 identifies that the information of user U1, whose biometric information b110 is stored in the correspondence data 311, is the information of the user operating the ATM 10.

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

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

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

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

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

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

[0064] The determination criteria may include the content of the target transaction. Examples of the content of the transaction include deposits and transfers, but are not limited to deposits and withdrawals. When the content of the target transaction is a transfer, the determination means 323 uses transaction history with the content of transfers to determine the number of transactions.

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

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

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

[0068] (6) Acquisition of criteria for issuing rewards The determination means 323 acquires the bonus issuance criteria. The bonus issuance criteria may be referenced via input from another device, or may be referenced from pre-stored information in the memory unit 310. The bonus issuance criteria define the conditions under which a bonus can be issued. For example, the bonus issuance criteria may be that the number of transactions is equal to or greater than a predetermined number. The bonus issuance criteria may use some or all of the above-mentioned determination criteria, or may have its own unique elements that are similar to the determination criteria.

[0069] (7) Evaluation of the number of transactions based on the criteria for issuing rewards The determination means 323 evaluates whether or not a bonus can be issued based on the bonus issuance criteria and the number of determined transactions. For example, when the bonus issuance criteria is "the number of determined transactions is four or more," the determination means 323 evaluates that a bonus can be issued when the number of determined transactions of the user's trading service is four or more.

[0070] (Display control means: second display control means) The display control means 321 may include a second display control means 321b. The second display control means 321b causes the ATM 10 to display the result of the determination made by the determination means 323. For example, the second display control means 321b causes the ATM 10 to display the determined number of transactions. For example, the ATM 10 causes the ATM 10 to display whether a coupon can be issued. For example, the ATM 10 causes the ATM 10 to display the number of transactions required before a coupon can be issued.

[0071] 12 and 13 show examples of screens that display the results of the determination. FIG. 11 shows an example of a screen D1100 that is displayed on the ATM 10 after a transaction is completed. Screen D1100 displays the determined number of transactions d1110, which indicates that "XX's number of transactions with Bank A this month" is "2." Screen D1100 also displays the number of transactions d1120 required before a coupon can be issued, with a message such as "A coupon will be issued after two more transactions this month."

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

[0073] (Display control means: third display control means) The display control means 321 may include a third display control means 321c. The third display control means 321c causes the ATM 10 to display a screen for the user to select whether to issue a coupon. FIG. 13 shows an example of a coupon issuance selection screen D1300 displayed on the ATM 10. The screen D1300 displays a message saying "There are coupons available" indicating that the user has evaluated whether a coupon can be issued, and also displays an "Issue a coupon" button d1310. When the user selects the button d1310, a command to issue a coupon is issued.

[0074] 4.Operation FIG. 15 shows an example of the operation of the information processing system 1 when a user registers biometric information in association with a trading account (first registration of biometric information).

[0075] When the user verifies his / her identity using a cash card, an identification code, facial recognition, or other means, and completes the transaction, the information processing device 30 causes the ATM 10 to display a screen for registering biometric information, such as that shown in FIG. 9 (step: S100).

[0076] When a user takes a facial image using the camera of the ATM 10, the facial image is transmitted to the information processing device 30 (step: S101).

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

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

[0079] The user verifies his / her identity using a cash card, an identification code, facial authentication, or other means, and logs in to the My Page of the desired trading account (step: S200). The information processing device 30, using the acquisition means 322, acquires the trading account information and biometric information entered by the user when logging in to the My Page (step: S201).

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

[0081] If it is determined that the matching between the read biometric information and the biometric information acquired in step S210 is successful, for example, because a certain number of image feature points match (step: S203: YES), the process proceeds to step S208. If it is determined that the matching is unsuccessful (step: S203: NO), the process may return to acquiring biometric information.

[0082] The information processing device 30 determines that the user information stored in association with the biometric information stored in the correspondence data 311 that was the subject of the comparison corresponds to the information of the user operating the ATM 10 (step: S208).

[0083] The ATM 10 displays a screen for the user to select the transaction details, as shown in FIG. 10 (step S204).

[0084] When the user selects a transaction such as "deposit" on the transaction selection screen, the ATM 10 transmits a transaction request to the financial transaction server device 70 (step: S205). At this time, the information processing device 30 acquires the transaction content information and stores it in the transaction history data 312 together with the biometric information that was successfully matched in step S203 (step: S209).

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

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

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

[0088] 5.Effects As described above, the present disclosure supports the expansion of use of transaction services via ATMs. For example, by determining the number of times a user uses a transaction service using biometric information, it becomes possible to determine how often the same person uses the transaction service. This makes it possible to grasp the number of times multiple transaction accounts linked to the biometric information are used (the number of times the transaction service is used per individual), rather than being limited to the number of times each transaction account is used. As a result, it becomes possible to promote campaigns and grant rewards per individual, rather than being limited to the number of times each transaction account is used. Furthermore, being able to grasp the usage history per individual increases the use of transaction services via ATM 10 by users and is also useful for encouraging visits to stores where ATM 10 is installed. Furthermore, in one aspect, since the number of times multiple transaction accounts are used can be grasped using biometric information, security is improved compared to when multiple accounts are associated based on information that can easily be misused by others, such as name or account number. Furthermore, in one aspect, an incentive is provided for using an ATM equipped with the reward system of the present disclosure, which is expected to expand the use of transaction services via ATMs provided by specific institutions.

[0089] The present invention is not limited to the above-described embodiment, and can be embodied in various other forms without departing from the spirit of the present invention. Therefore, the above-described embodiment is merely an example in all respects and should not be interpreted as being limiting. For example, the order of the above-described processing steps can be arbitrarily changed or executed in parallel as long as no contradiction occurs in the processing content. [Explanation of symbols]

[0090] 1...information processing system, 10...ATM, 30...information processing device, 30a...processor, 30b...storage device, 30c...communication IF, 30d...input device, 30e...output device, 70...financial transaction server device, 101...main display unit, 102...card reading unit, 103...banknote deposit / withdrawal unit, 104...operation unit, 105...code reading unit, 106...optical reading unit, 107...placement stand, 108...sub-display unit, 109...contactless IC communication unit, 110...camera, 310...storage unit, 311...correspondence data, 312...transaction history data, 313...transaction summary data, 320...control unit, 321...display control means, 321a...first display control means, 321b...second display control means, 321c...third display control means, 322...acquisition means, 323...determination means

Claims

1. a storage means for storing correspondence data that associates and stores information that can identify a user with biometric information of the user, and transaction history data that associates and stores information that can identify a user, transaction details, and biometric information for each transaction performed by a user through operation of an ATM; an acquisition means for acquiring biometric information input by a user through operation of the ATM; a determination means for identifying a user operating the ATM based on a result of comparing the acquired biometric information with biometric information stored in the correspondence data, extracting from the transaction history data transaction histories associated with each of the one or more pieces of biometric information associated with the identified user in the correspondence data, and determining the number of transactions of the user based on the number of transactions for each transaction in the extracted transaction history; a display control means for causing the ATM to display the result of the determination; An information processing device comprising:

2. The determining means further determines a total number of transactions for one or more transaction accounts associated with the acquired biometric information. The information processing device according to claim 1 .

3. The determination means evaluates the number of transactions of the user based on predetermined criteria related to the issuance of a reward. The information processing device according to claim 1 .

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

5. the display control means causes the ATM to display an object for receiving an instruction from the user regarding the issuance of a benefit; The information processing device according to claim 2 .

6. The determination means determines the number of transactions of the user based on information about transactions whose dates and times of transactions by the user fall within a predetermined period. The information processing device according to claim 1 .

7. One or more computers a storage step of storing correspondence data that associates and stores information that can identify a user with biometric information of the user, and transaction history data that associates and stores information that can identify a user, transaction details, and biometric information for each transaction performed by the user through operation of the ATM; an acquisition step of acquiring biometric information input by a user through operation of the ATM; a determining step of identifying a user operating the ATM based on a result of comparing the acquired biometric information with biometric information stored in the correspondence data, extracting transaction histories associated with each of the one or more pieces of biometric information associated with the identified user in the correspondence data from the transaction history data, and determining the number of transactions of the user based on the number of transactions for each transaction in the extracted transaction history; a display control step of causing the ATM to display the result of the determination; An information processing method that performs the above.

8. On one or more computers, a storage step of storing correspondence data that associates and stores information that can identify a user with biometric information of the user, and transaction history data that associates and stores information that can identify a user, transaction details, and biometric information for each transaction performed by the user through operation of the ATM; an acquisition step of acquiring biometric information input by a user through operation of the ATM; a determining step of identifying a user operating the ATM based on a result of comparing the acquired biometric information with biometric information stored in the correspondence data, extracting transaction histories associated with each of the one or more pieces of biometric information associated with the identified user in the correspondence data from the transaction history data, and determining the number of transactions of the user based on the number of transactions for each transaction in the extracted transaction history; a display control step of causing the ATM to display the result of the determination; A program that executes.

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