Trading systems, trading equipment, and trading methods

Abstract

We provide a transaction system that enables easy-to-use and highly secure two-dimensional code transactions at ATMs (transaction machines). [Solution] The system comprises an ATM and a user terminal held by the user, the user terminal includes a transaction reservation means ST1 that transmits a transaction reservation request to the system of a financial institution with which the user conducts a transaction, and a code display means ST4 that displays a transaction code for executing the reserved transaction, which includes a first piece of information that identifies the financial institution, a second piece of information that identifies the user, a third piece of information that identifies the reserved transaction, and a fourth piece of information that identifies the user's location, the ATM includes a code reading means ST5 that reads the transaction code displayed on the user terminal, a location information determination means ST6 that determines the distance between the user and the ATM based on the fourth piece of information included in the transaction code and the ATM's location information, and a transaction execution request means ST8 that requests the financial institution's transaction execution device to execute the transaction.

Description

Technical Field

[0001] The present invention relates to a trading system, a trading device, and a trading method.

Background Art

[0002] Automated teller machines (hereinafter referred to as ATMs) are widely installed not only in financial institutions but also in convenience stores, commercial facilities, public spaces such as stations and airports, and thus function as social infrastructure and are indispensable for people's lives.

[0003] In recent years, the number of ATMs equipped with a two-dimensional code reading function has been increasing. For example, services are provided that allow users to pay public charges by holding a two-dimensional code printed on a payment slip in front of an ATM, or to conduct bank transactions such as deposits and withdrawals by holding a two-dimensional code displayed on a smartphone (for example, Patent Documents 1 to 3).

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Patent Document 2

Patent Document 3

Summary of the Invention

[0007] The trading system according to the present invention comprises a trading device and a user terminal held by a user conducting a transaction, wherein the user terminal includes a trading reservation means for transmitting a trading reservation request to the system of a financial institution with which the user conducts a transaction, and a code display means for displaying a trading code for executing the transaction reserved by the trading reservation request, the trading code including a first piece of information that identifies the financial institution, a second piece of information that identifies the user, a third piece of information that identifies the reserved transaction, and a fourth piece of information that identifies the user's location, wherein the trading device includes a code reading means for reading the trading code displayed on the user terminal, a location information determination means for determining whether the distance between the user and the trading device is not greater than a certain amount based on the fourth piece of information contained in the read trading code and the location information of the trading device, and a trading execution request means for requesting the execution of the transaction identified by the third piece of information to the trading execution device of the financial institution identified by the first piece of information if it is determined that the distance between the user and the trading device is not greater than a certain amount.

[0008] The transaction device according to the present invention includes: a code reading means for reading a transaction code displayed on a user terminal held by a user who has made a transaction reservation with a financial institution, which is a transaction code for executing the reserved transaction and includes first information that identifies the financial institution, second information that identifies the user, third information that identifies the reserved transaction, and fourth information that identifies the user's location; a location information determination means for determining whether the distance between the user and the transaction device is not greater than a certain amount based on the fourth information contained in the read transaction code and the location information of the transaction device; and a transaction execution request means for requesting the execution of the transaction identified by the third information to the transaction execution device of the financial institution identified by the first information, if it is determined that the distance between the user and the transaction device is not greater than a certain amount.

[0009] The transaction method according to the present invention comprises: a transaction reservation step of transmitting a transaction reservation request from a user terminal held by a user who has made a transaction reservation with a financial institution to the system of the financial institution with which the user will conduct the transaction; a code display step of displaying a transaction code on the user terminal, which is a transaction code for executing the transaction reserved by the transaction reservation request and includes first information that identifies the financial institution, second information that identifies the user, third information that identifies the reserved transaction, and fourth information that identifies the location of the user; a code reading step of reading the transaction code displayed on the user terminal in the transaction device; a location information determination step of determining whether the distance between the user and the transaction device is not greater than a certain amount based on the fourth information contained in the read transaction code and the location information of the transaction device in the transaction device; and a transaction execution request step of requesting the execution of the transaction identified by the third information to the transaction execution device of the financial institution identified by the first information, if the transaction device has determined that the distance between the user and the transaction device is not greater than a certain amount. [Effects of the Invention]

[0010] According to the present invention, it is possible to realize ATM transactions using two-dimensional codes that are easy to use and highly secure. [Brief explanation of the drawing]

[0011] [Figure 1] A block diagram showing the configuration of trading system 1 related to AGC. [Figure 2] A diagram showing the appearance of ATM10 related to Embodiment 1. [Figure 3] A block diagram showing the functional configuration of ATM10 according to one embodiment of the present invention. [Figure 4] A block diagram showing the configuration of a user terminal 20 according to one embodiment of the present invention. [Figure 5] A diagram showing a functional module of a smartphone trading application implemented in a user terminal 20 according to one embodiment of the present invention. [Figure 6] A sequence diagram showing the flow of smartphone trading using trading system 1 related to Affordable Data. [Figure 7] A sequence diagram showing the flow of smartphone trading using trading system 1 related to Affordable Data. [Figure 8] A flowchart illustrating an example of processing when facial information is not registered in the transaction system 1 relating to one embodiment of the present invention. [Figure 9] A diagram illustrating a screen prompting registration of facial information by a transaction system 1 according to one embodiment of the present invention. [Modes for carrying out the invention]

[0012] Embodiments of the present invention will be described in detail below with reference to the drawings. The same elements are denoted by the same reference numerals, and redundant descriptions are omitted.

[0013] Embodiment FIG. 1 is a block diagram showing the configuration of a transaction system 1 according to an embodiment of the present invention. As shown in FIG. 1, the transaction system 1 includes an ATM (transaction device) 10 installed in a commercial facility or the like, a user terminal 20 held by a user who conducts transactions using the ATM 10, a transaction server 30 of a financial institution with which the user conducts transactions, and a transaction execution device 40 of the financial institution. The transaction system 1 is a system in which a user who is a customer of a financial institution displays a two-dimensional code for transactions (transaction code) provided by the financial institution on the user terminal 20 and causes the ATM 10 to read it, thereby conducting transactions such as deposits and withdrawals.

[0014] The company or the like that manages the ATM 10 and the financial institution that manages the transaction server may be different. If they are different, it is assumed that the two have entered into a business partnership to conduct transactions via the ATM 10. The ATM 10 and the transaction server 30 are connected via a communication network N. The communication network N may be, for example, the Internet, a LAN, a dedicated line, a telephone line, an in-house corporate network, a mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), any other communication line, or a combination thereof, regardless of whether it is wired or wireless. The transaction execution device 40 is an accounting host that executes transaction processing such as deposits and withdrawals, and the ATM 10 and the transaction execution device 40 are connected via the communication network N.

[0015] The user is a customer of the financial institution that manages the transaction server 30, and a smartphone transaction application provided by the financial institution is installed on the user terminal 20.

[0016] FIG. 2 is a diagram showing the appearance of the ATM 10. The ATM 10 includes a main display unit 101, a card reader unit 102 that accepts magnetic cards such as cash cards, a banknote deposit / withdrawal unit 103 that conducts the entry and exit of banknotes, an operation unit 104 that the user operates, a code reader unit 105 that reads codes such as barcodes and two-dimensional codes, an optical reader unit 106, a pedestal 107, a sub-display unit 108, a non-contact IC communication unit 109, and a camera 110.

[0017] The main display unit 101 has, for example, display means such as a liquid crystal display, and input means such as a touch panel for receiving input from a user. The display means displays a screen or input keys for guiding the user's operation, and by the user pressing the input keys from above the touch panel, information corresponding to the input keys can be input. 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. The code reading unit 105 is, for example, a code reader, and can read a two-dimensional code such as a citation code displayed on the user terminal 20 held directly below the code reading unit 105.

[0018] The optical reading unit 106 is, for example, an image scanner, and can read a photo or characters attached to the face of a coupon such as an IC card placed on the stand 107 as an image. The stand 107 has a surface that is substantially horizontal with respect to the ground, and the optical reading unit 106 can obtain an image of a certain quality without being affected by hand tremors or the like.

[0019] The sub-display unit 108 has, for example, 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 the display means, or may have input means in addition to the display means, similar to the main display unit 10\1\, For example, the sub-display unit 108 may display a screen for guiding the position where an IC card or the like read by the optical reading unit 106 is placed. As a result, even a user who is not familiar with the operation of the ATM 10 can operate smoothly without getting lost.

[0020] The non-contact IC communication unit 109 is, for example, a non-contact IC reader / writer, and is installed inside the stand 107. The non-contact IC communication unit 􀀁109􀀂 performs non-contact communication with a non-contact IC chip mounted on an IC card or the like, and can read and write information stored in the non-contact IC chip. The non-contact IC communication unit 109 can communicate with the non-contact IC chip when an IC card or the like is placed on the stand 107.

[0021] Camera 110 is a camera device capable of capturing video or still images. Camera 110 is installed to capture facial images of users operating the ATM 10.

[0022] Figure 3 is a block diagram showing the functional configuration of an ATM 10 according to one embodiment of the present invention. The ATM 10 is equipped with a control device 120 inside its casing. The control device 120 includes, as hardware, a processor such as a CPU, memory such as ROM or RAM, an input interface, an output interface, a communication interface, and a bus connecting them. The control device 120 realizes various functions by having the processor execute a program stored in memory, etc. The functional modules realized by the control device 120 include, as shown in Figure 3, a code reading means 1201, a location information determination means 1202, a transaction execution request means 1203, and a facial recognition means 1204.

[0023] The user terminal 20 can be any terminal device capable of exchanging data with the transaction server 30 via the communication network N, such as a personal computer (PC), notebook PC, tablet terminal, or smartphone. Figure 4 is a block diagram showing the configuration of the user terminal 20. As shown in Figure 4, the user terminal 20 is equipped with a processor 21, input devices 22 such as a keyboard, mouse, various operation buttons, or touch panel, a display device 23 such as an LCD display, a communication interface 24 for connecting to the communication network N, and a storage device 25 such as a disk drive or semiconductor memory (ROM, RAM, etc.). The storage device 25 may store various programs executed by the processor 21 and various data. The user terminal 20 has a smartphone trading application installed, provided by the financial institution that manages the transaction server 30.

[0024] Figure 5 shows the functional modules of a smartphone trading application executed by the processor 21 of the user terminal 20. As shown in Figure 5, the functional modules include a trade reservation means 2001 and a code display means 2002. These functional modules are executed by the processor 21 in cooperation with the trading server 30.

[0025] The trading server 30 may consist of a single computer or multiple computers distributed across a communication network. As shown in Figure 1, the trading server 30 includes a control device 31 and a storage device 32. The control device 31 includes, as hardware, a processor such as a CPU, memory such as ROM or RAM, an input interface, an output interface, a communication interface, and a bus connecting them. The control device 31 implements various functions by having the processor execute programs stored in memory, etc. The storage device 32 is a hard disk drive, etc., and stores various applications and databases. The trading server 30 has the function of providing customers (users) with code information for smartphone trading in cooperation with a smartphone trading application implemented on the user terminal 20.

[0026] Next, the flow of smartphone transactions using transaction system 1 will be explained using the sequence diagrams in Figures 6 and 7. Here, we will explain an example in which a customer (user) of a financial institution makes a withdrawal at ATM 10 using the CPM-type smartphone transaction service provided by the financial institution. Figure 6 is an example of a method in which a transaction is requested from ATM 10 without querying the financial institution's transaction server 30 for the contents of the transaction code, while Figure 7 is an example of a method in which a transaction is requested from ATM 10 after querying the financial institution's transaction server 30 for the contents of the transaction code. In the method in Figure 6, the transaction code itself contains account information, etc. (so-called magnetic stripe information), while in the method in Figure 7, the transaction code does not contain account information, etc.

[0027] In the method shown in Figure 6, the customer launches the financial institution's smartphone transaction app on the user terminal 20, logs in with their account, and then makes a transaction reservation (step ST1). Specifically, when the customer uses the app to make a transaction reservation request by specifying the transaction type (e.g., withdrawal) and amount (withdrawal amount), the transaction reservation means 2001 sends a transaction reservation request including the transaction details (transaction type, amount) to the transaction server 30.

[0028] The transaction server 30 generates a transaction code based on the received transaction details and sends it to the user terminal 20 (step ST2). The transaction code is a two-dimensional code as an example, but other types of codes may also be used. The transaction code includes a reservation number (a number that identifies the reserved transaction), a company number (a number that identifies the financial institution), a customer number, a registered address (information that identifies the user's location), the latitude and longitude information of the user terminal 20 at the time of data transmission (information that identifies the user's location), transaction details (transaction type, amount), and account information (magnetic stripe information).

[0029] The user terminal 20 receives the transaction code and stores it in the storage device 25 (step ST3). When a customer wants to perform a reserved transaction (withdrawal), they can use an ATM 10 located in a nearby commercial facility or similar location to execute the transaction. First, when the customer launches the smartphone transaction app on the user terminal 20, the app's top screen is displayed. On the top screen, the transaction code for the reserved but uncompleted transaction is displayed by the code display means 2002 (step ST4).

[0030] When a customer holds the transaction code displayed on the user terminal 20 over the code reader 105 of the ATM 10, the code reading means 1201 reads and decodes the transaction code (step ST5).

[0031] Next, the ATM 10 performs a location information check using the location information determination means 1202 (step ST6). The location information check is performed using at least one of the registered address included in the transaction code and the latitude and longitude information of the user terminal 20. The location information determination means 1202 calculates the distance between the location (latitude and longitude) of the ATM 10 and the location obtained from the transaction code, and if the two are separated by a certain distance or more (for example, 10 km), it notifies a warning message. Specifically, a message such as "This transaction is suspected to be an unauthorized withdrawal because the ATM is far from the registered address. We may monitor subsequent operations." may be displayed on the main display unit 101 of the ATM 10.

[0032] By performing the location information check described above, it is possible to detect transactions at ATMs located far from the customer's registered address or the location of the user terminal 20 used at the time of booking. In other words, it has the effect of preventing damage from phishing scams and transaction code transfer scams. However, using an ATM in a distant location may be due to travel or business trips and does not necessarily mean fraud, so measures such as issuing warnings or monitoring operations (such as recording with a camera) are more appropriate than measures such as suspending transactions.

[0033] Next, the ATM 10 performs facial recognition using the facial recognition means 1204 (step ST7). The facial recognition means 1204 performs facial recognition by comparing the face image of the operator (customer) captured by the camera 110 with the customer's facial feature information obtained from the storage means. The storage means may be a storage device implemented in the ATM 10 or an external storage device that can communicate. The facial feature information may be registered in association with the customer number or in association with the facial recognition code. If it is linked to the customer number, the feature information can be obtained based on the customer number included in the transaction code. If it is linked to the facial recognition code, when the customer makes a transaction reservation (step ST1), they may also send their facial recognition code along with the transaction details so that the facial recognition code is included in the transaction code. If feature information linked to the customer number or facial recognition code is not registered, the user may be prompted to register facial information.

[0034] Figure 8 is a flowchart showing an example of processing when facial information is not registered. If the facial recognition means 1204 finds that the customer's facial information linked to the customer number or facial recognition code is not registered in the storage means (step ST71: NO), it displays a message on the main display unit 101 of the ATM 10 prompting the customer to register their facial information, as shown in Figure 9 (step ST72). Facial information can be registered at the ATM 10. For example, as shown in Figure 9, a button B1 for registering a face is displayed on the main display unit 101 of the ATM 10. When the customer presses button B1, instructions for taking a facial image are displayed on the main display unit 101, and a facial image is taken by the camera 110 (step ST73). The facial image taken by the camera 110 is sent to the facial information registration server and registered in the storage means linked to the customer number or facial recognition code (step ST74). Once registration is complete, the registered facial information is sent to the ATM 10 (step ST75), and the process returns to step ST7 for facial recognition processing. Furthermore, if a facial image is registered in conjunction with a facial recognition code, the facial recognition code is sent from the facial information registration server to the user terminal 20. By registering the facial recognition code from the smartphone trading app, customers can include the facial recognition code in the trading code for subsequent smartphone transactions.

[0035] The transaction execution request means 1203 requests the financial institution's transaction execution device 40 to execute the transaction (step ST8) according to the results of the location information check and facial recognition. Specifically, if a warning message is displayed as a result of the location information check, an acceptance button may also be displayed, and the transaction may proceed once the operator presses the button. In addition, if facial recognition fails, the transaction will be stopped. If facial information is not registered, a message and an acceptance button may be displayed to confirm whether or not to proceed with the transaction without facial recognition, and the transaction may proceed once the operator presses the button. Alternatively, a message prompting the registration of facial information may be displayed, and the transaction may be stopped if the facial information is not registered.

[0036] When executing a transaction, the main display unit 101 displays a screen prompting the user to enter their PIN, and then displays a confirmation screen showing the details of the reserved transaction (withdrawal amount, etc.). When a confirmation button or similar is pressed on the screen, a transaction execution message is sent to the transaction execution device 40. The recipient transaction execution device 40 can be identified based on the company number included in the transaction code. The transaction execution message includes the identification number of the ATM 10, the transaction serial number and processing date and time assigned by the ATM 10, the PIN entered by the customer at the ATM 10, the customer number included in the transaction code, the reservation number, the transaction details (transaction type and transaction amount), and account information.

[0037] The transaction execution device 40 authenticates the PIN and account information based on the information in the received transaction execution message, and then performs accounting-related processing such as withdrawal decisions and balance updates. Furthermore, it sends a response message to the ATM 10 (step ST9). The response message includes the processing result, processing date and time, wording to be printed on the statement, and wording to be displayed on the transaction completion screen. Based on the received response message, the ATM 10 dispenses banknotes and prints a statement (step ST10).

[0038] Next, the method of the sequence diagram in Figure 7 will be explained. Note that the steps corresponding to the steps in the sequence diagram in Figure 6 are indicated by the same numbers. Steps ST1 to ST7 are the same as in the method in Figure 6. However, in the method in Figure 7, the transaction code transmitted in step ST2 does not include account information.

[0039] If the transaction execution request means 1203 decides to proceed with the transaction execution based on the location information check and facial recognition results, it sends a transaction inquiry message to the transaction server 30 (step ST21). The transaction execution request means 1203 identifies the destination transaction server 30 based on the company number included in the transaction code and sends the inquiry message. The inquiry message includes the identification number of the ATM 10, the transaction serial number and processing date and time assigned by the ATM 10, and the reservation number included in the transaction code.

[0040] When the transaction server 30 receives an inquiry message from the ATM 10, it uses the reservation number included in the inquiry message as a key to verify the reserved transaction and sends a verification result message to the ATM 10 (step ST22). The verification result message includes the processing result and processing date and time, customer number, transaction details (transaction type, amount), and account information.

[0041] When ATM 10 receives a verification result message from the transaction server 30, it displays a screen on the main display unit 101 prompting the user to enter a PIN, and also displays the transaction details included in the verification result message. If a confirmation button or the like is pressed on the screen, it sends a transaction execution message to the transaction execution device 40 (step ST8). Steps ST8 to ST10 are the same as the method in Figure 6. Thus, the method in Figure 7 does not include account information in the transaction code, and queries are made to the financial institution when the transaction is actually executed, making it a more secure method. On the other hand, in the method in Figure 6, account information is included in the transaction code from the beginning, so verification processing at the financial institution can be omitted when executing a transaction. For the financial institution, this avoids the burden of implementing verification processing on its own server.

[0042] As described above, according to this embodiment, in so-called smartphone transactions where a customer reserves a transaction with a financial institution in advance, obtains a transaction code, displays the transaction code on the user terminal 20, and has the ATM 10 read it to conduct the transaction, the transaction code includes the customer's address and the location information of the user terminal 20 at the time of reservation. When actually conducting a transaction, this location information is compared with the location information of the ATM 10, thereby preventing fraud such as QR code transfer scams. Furthermore, facial recognition is also performed by matching the pre-registered customer's facial information with the facial image of the person operating the ATM 10, thus providing a double layer of security checks. In this way, according to this embodiment, by combining location information checks and facial recognition in convenient smartphone transactions, security can be improved and fraud can be prevented.

[0043] In the above embodiment, the financial institution's transaction server 30 generates a transaction code and sends it to the user terminal 20. However, the transaction server 30 may send the information to be included in the transaction code to the user terminal 20, and the code generation may be performed on the user terminal 20. In this case, the transaction server 30 may encrypt the information to be included in the transaction code and send it to the user terminal 20, and the application implemented on the user terminal 20 may encode the encrypted information.

[0044] It should be noted that the present invention is not limited to the embodiments described above, and can be implemented in various other forms without departing from the spirit of the invention. For this reason, the above embodiments are merely illustrative in all respects and should not be interpreted restrictively. For example, the order of each processing step described above can be arbitrarily changed or executed in parallel, as long as there is no inconsistency in the processing content. [Explanation of Symbols]

[0045] 1...Transaction system, 10...ATM, 20...User terminal, 21...Processor, 22...Input device, 23...Display device, 24...Communication interface, 25...Storage device, 30...Transaction server, 31...Control device, 32...Storage device, 40...Transaction execution device, 101...Main display unit, 102...Card reader unit, 103...Banknote deposit / withdrawal unit, 104...Operation unit, 105...Code reader unit, 106...Optical reader unit, 107...Stand, 108...Sub-display unit, 109...Contactless IC communication unit, 110...Camera, 120...Control device, 1201...Code reading means, 1202...Location information determination means, 1203...Transaction execution request means, 1202...Facial recognition means, 2001...Transaction reservation means, 2002...Code display means

Claims

1. Trading equipment and The system includes a user terminal held by the user conducting the transaction, The aforementioned user terminal is A transaction reservation means that sends a transaction reservation request to the system of the financial institution with which the user conducts transactions, The system includes a code display means for displaying a transaction code for executing a transaction reserved by the aforementioned transaction reservation request, the transaction code including a first piece of information that identifies the financial institution, a second piece of information that identifies the user, a third piece of information that identifies the reserved transaction, and a fourth piece of information that identifies the user's location. The aforementioned trading device is A code reading means for reading the transaction code displayed on the user terminal, A location information determination means that determines whether the distance between the user and the trading device is not greater than a certain distance, based on the fourth information contained in the reading transaction code and the location information of the trading device, A trading system comprising: a transaction execution request means that, when it is determined that the distance between the user and the transaction device is not greater than a certain distance, requests the transaction execution device of a financial institution identified by the first information to execute the transaction identified by the third information.

2. The aforementioned transaction execution request means is The transaction system according to claim 1, wherein if it is determined that the distance between the user and the transaction device is greater than a certain distance, a warning is issued, or the user is notified that subsequent transactions will be monitored, and then the financial institution's transaction execution device is requested to execute the transaction.

3. The aforementioned trading device is The system includes a facial recognition means that performs a comparison between the registered facial feature information of the user identified by the second information and the facial features of the person operating the transaction device. The aforementioned transaction execution request means is The transaction system according to claim 1, wherein if the user's facial recognition fails, the execution of the transaction is canceled.

4. The transaction system according to claim 1, wherein the fourth information includes the address information of the user registered with the financial institution or the location information of the user terminal when the transaction reservation request was transmitted.

5. The third piece of information includes the user's account information, The aforementioned transaction execution request means is The transaction system according to claim 1, which requests the execution of a transaction by transmitting the third information to the transaction execution device of the financial institution.

6. The aforementioned transaction execution request means is By transmitting the third information to the system of the aforementioned financial institution, the account information of the user is inquired about. The transaction system according to claim 1, which requests the execution of a transaction by transmitting the user's account information received from the financial institution's system to the transaction execution device of the financial institution.

7. The aforementioned facial recognition means is The transaction system according to claim 3, wherein if the user's facial feature information is not registered, the user is guided to register facial information, and once the user has registered facial information, the system performs matching using the registered facial feature information.

8. The trading system according to claim 1, wherein the code display means displays the trading codes of uncompleted transactions on the top screen of the trading application.

9. A code reading means reads a transaction code displayed on a user terminal held by a user who has made a transaction reservation with a financial institution, which is used to execute the reserved transaction and includes a first piece of information that identifies the financial institution, a second piece of information that identifies the user, a third piece of information that identifies the reserved transaction, and a fourth piece of information that identifies the user's location. A location information determination means that determines whether the distance between the user and the trading device is not greater than a certain distance, based on the fourth information contained in the reading transaction code and the location information of the trading device, A trading device comprising: a transaction execution request means that, when it is determined that the distance between the user and the trading device is not greater than a certain distance, requests the trading device of a financial institution identified by the first information to execute the transaction identified by the third information.

10. A transaction reservation process in which a user who has made a transaction reservation with a financial institution sends a transaction reservation request from a user terminal held by the user to the system of the financial institution with which the user will conduct the transaction, A code display step in which the user terminal displays a transaction code for executing the transaction reserved by the transaction reservation request, the transaction code including a first information that identifies the financial institution, a second information that identifies the user, a third information that identifies the reserved transaction, and a fourth information that identifies the location of the user. The trading device includes a code reading step in which it reads the trading code displayed on the user terminal, The transaction device performs a location information determination step, which determines whether the distance between the user and the transaction device is not greater than a certain amount, based on the fourth information contained in the transaction code read and the location information of the transaction device. A transaction method comprising: a transaction execution request step in which, if the transaction device determines that the distance between the user and the transaction device is not greater than a certain distance, the transaction device requests the transaction execution device of a financial institution identified by the first information to execute the transaction identified by the third information.

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