Transaction processing system and cash card information registration method

Abstract

The present invention addresses the problem of carrying out a cash card-less transaction in which a user terminal such as a smartphone is used as a virtual cash card, thus eliminating (or minimizing) the need to modify core systems of a bank.　Provided is a transaction processing system including a user terminal, an information processing device, and a server device. The user terminal includes a processing unit that receives registration of card face information and a passcode of a cash card, generates first setting information in accordance with an identity number acquired from a host device, transmits the first setting information to the information processing device, concurrently receives second setting information from the information processing device, checks whether the card face information, the passcode, and the identity number included in the first setting information agree with card face information, a passcode, and an identity number included in the second setting information, and when there is agreement therebetween, registers the card face information, the passcode, and the identity number included in the first setting information and magnetic information and / or IC information of the cash card included in the second setting information as virtual cash card information. The information processing device includes a control unit that checks whether the card face information read from the cash card and the input passcode agree with the card face information and the passcode included in the received first setting information, and when there is agreement therebetween, generates the second setting information including the card face information, the passcode, and the identity number included in the received first setting information, and the magnetic information and / or IC information read from the cash card, and transmits the second setting information to the user terminal.

Description

Transaction processing system and cash card information registration method

[0001] The present invention relates to a transaction processing system in which a user terminal such as a smartphone is used as a virtual cash card to perform transactions at an ATM or the like, and a cash card information registration method.

[0002] 2. Description of the Related Art In ATM transactions (ATM transactions) such as deposits and withdrawals, cash card-less ATM transactions, in which users who do not carry cash cards can carry out transactions, are becoming more common.

[0003] For example, Japanese Patent Application Laid-Open No. 2017-211796 (Patent Document 1) describes a transaction system that includes an ATM and a first server that manages accounts related to transactions made by users via the ATM, in which the ATM generates information including a first identifier that identifies the ATM as linkage information and transmits the generated linkage information to the first server, and the first server receives the linkage information read from the ATM by a terminal owned by the user from the terminal, and compares the linkage information received from the ATM with the linkage information received from the terminal to determine whether to approve the transaction.

[0004] Japanese Patent Application Laid-Open No. 2017-211796

[0005] To realize the transaction system described in Patent Document 1, not only modifications to the ATMs but also modifications to the transaction center server (bank core system) are required, which incurs costs, and therefore may not be easy for small financial institutions to realize.

[0006] In light of this situation, the present invention aims to realize cash card-less transactions by using user terminals such as smartphones as virtual cash cards, eliminating the need for (or minimizing) modifications to the bank's core system.

[0007] In order to solve the above-mentioned problems, the present invention provides a transaction processing system having a user terminal, an information processing device, and a server device, wherein the user terminal accepts registration of face information and a personal identification number of a cash card, generates first setting information by combining the face information, personal identification number, and personal identification number obtained from the user terminal itself, and transmits the first setting information to the information processing device, and receives second setting information from the information processing device, compares the face information, personal identification number, and personal identification number contained in the first setting information with the face information, personal identification number, and personal identification number contained in the second setting information, and if the comparison is successful, and a processing unit that registers the magnetic information and / or IC information of the cash card contained in the second setting information as virtual cash card information, and the information processing device has a control unit that compares the face information read from the cash card and the input PIN number with the face information and PIN number contained in the received first setting information, and if the comparison is successful, generates the second setting information containing the face information, PIN number, and individual number contained in the received first setting information, and the magnetic information and / or IC information read from the cash card, and transmits it to the user terminal.

[0008] According to the present invention, by converting a conventional cash card into a virtual cash card, cash card-less transactions can be realized with no (or minimal) modifications to the bank's core system.

[0009] Problems, configurations, and effects other than those described above will become apparent from the following description of the preferred embodiment of the invention.

[0010] FIG. 1 is an overall configuration diagram of a transaction processing system in an embodiment of the present invention. FIG. 2 is a configuration diagram of an ATM 200 in an embodiment of the present invention. FIG. 3 is a configuration diagram of a bank host system 300 in an embodiment of the present invention. FIG. 4 is a configuration diagram of a user terminal 400 in an embodiment of the present invention. FIG. 5 is a configuration diagram of a VCC management server 500 in an embodiment of the present invention. FIG. 6 is a flow diagram showing an overview of transaction processing in an embodiment of the present invention. FIG. 7 is a registration sequence diagram when a two-dimensional code is used in an embodiment of the present invention. FIG. 8 is a registration sequence diagram when a two-dimensional code is used in an embodiment of the present invention. FIG. 9 is a transaction sequence diagram when a two-dimensional code is used in an embodiment of the present invention. FIG. 10 is a transaction sequence diagram when a two-dimensional code is used in an embodiment of the present invention. FIG. 11 is an example of a screen display of a user terminal 400 in an embodiment of the present invention. FIG. 12 is an example of a screen display of an ATM 200 in an embodiment of the present invention. FIG. 13 is an example of a screen display of an ATM 200 in an embodiment of the present invention. FIG. 14 is an example of a screen display of a user terminal 400 in an embodiment of the present invention. 1 is a screen display example of ATM 200 in an embodiment of the present invention. FIG. 1 is a screen display example of ATM 200 in an embodiment of the present invention. FIG. 1 is a screen display example of user terminal 400 in an embodiment of the present invention. FIG. 2 is a screen display example of ATM 200 in an embodiment of the present invention. FIG. 3 is a registration sequence diagram when short-range wireless communication is used in an embodiment of the present invention. FIG. 4 is a registration sequence diagram when short-range wireless communication is used in an embodiment of the present invention. FIG. 5 is a transaction sequence diagram when short-range wireless communication is used in an embodiment of the present invention. FIG. 6 is a registration sequence diagram when continuous face authentication is applied in an embodiment of the present invention. FIG. 7 is a registration sequence diagram when continuous face authentication is applied in an embodiment of the present invention. FIG. 8 is a transaction sequence diagram when continuous face authentication is applied in an embodiment of the present invention. FIG. 9 is a registration sequence diagram when My Number Card is used in an embodiment of the present invention. FIG. 10 is a transaction sequence diagram when My Number Card is used in an embodiment of the present invention. FIG. 11 is a registration sequence diagram for converting My Number Card to VCC in an embodiment of the present invention.Fig. 1 is a registration sequence diagram for converting a My Number Card to a VCC in an embodiment of the present invention; Fig. 2 is a transaction sequence diagram for converting a My Number Card to a VCC in an embodiment of the present invention; Fig. 3 is a sequence diagram for restarting a VCC in an embodiment of the present invention; Fig. 4 is a sequence diagram for restarting a VCC in an embodiment of the present invention; Fig. 5 is a sequence diagram for applying for a reissue of a physical card in an embodiment of the present invention.

[0011] Hereinafter, embodiments of the present invention will be described with reference to the drawings. The examples are illustrative of the present invention, and for clarity of explanation, appropriate omissions and simplifications have been made. The present invention can be implemented in various other forms. Unless otherwise specified, each component may be singular or plural.

[0012] In order to facilitate understanding of the invention, the position, size, shape, range, etc. of each component shown in the drawings may not represent the actual position, size, shape, range, etc. Therefore, the present invention is not necessarily limited to the position, size, shape, range, etc. disclosed in the drawings.

[0013] Although various types of information may be described using expressions such as "table" and "list" as examples, the various types of information may also be expressed using data structures other than these. For example, various types of information such as "XX table" and "XX list" may also be expressed as "XX information." When describing identification information, expressions such as "identification information," "identifier," "name," "ID," and "number" are used, but these are interchangeable.

[0014] When there are multiple components with the same or similar functions, they may be described using the same reference numeral with different subscripts. When there is no need to distinguish between these multiple components, the subscripts may be omitted.

[0015] In the embodiments, processing performed by executing a program may be described. Here, a computer executes the program using a processor (e.g., a CPU or a GPU) and performs processing defined by the program using storage resources (e.g., memory) and interface devices (e.g., communication ports). Therefore, the entity performing the processing by executing the program may be the processor. Similarly, the entity performing the processing by executing the program may be a controller, device, system, computer, or node having a processor. The entity performing the processing by executing the program may be any computing unit, and may include a dedicated circuit that performs specific processing. Here, the dedicated circuit may be, for example, an FPGA (Field Programmable Gate Array), an ASIC (Application Specific Integrated Circuit), or a CPLD (Complex Programmable Logic Device).

[0016] A program may be installed on a computer from a program source. The program source may be, for example, a program distribution server or a computer-readable storage medium. When the program source is a program distribution server, the program distribution server may include a processor and storage resources for storing the program to be distributed, and the processor of the program distribution server may distribute the program to be distributed to other computers. In addition, in the embodiments, two or more programs may be realized as one program, or one program may be realized as two or more programs.

[0017] (1) Overall Configuration Figure 1 is an overall configuration diagram of a transaction processing system 100 in this embodiment. The transaction processing system 100 has an automated teller machine (ATM) 200 as a transaction device operated by a user, a bank host system 300, a user terminal 400, and a virtual cash card (VCC) management server 500, and has a communication network 600 that connects each of these devices via wired or wireless connections to send and receive data.

[0018] In each embodiment, a virtual cash card (hereinafter referred to as a virtual cash card or VCC) will be referred to as a physical card (physical card, physical cash card) or simply as a cash card (card), in contrast to a commonly used cash card as a physical medium made of resin or the like.

[0019] (2) Details of each part <Automated Teller Machine (ATM)> The ATM 200 is an automated teller machine installed in financial institutions, stores, etc., where users can perform various transactions such as depositing and withdrawing cash, transferring funds, and recording banknotes. As shown in Figure 2, the ATM 200 has an input / output unit 210, a receiving unit 220, a communication processing unit 230, a currency processing unit 240, a deposit / withdrawal unit 250, a card processing unit 260, a bankbook processing unit 270, a statement processing unit 280, and a control unit 290.

[0020] Here, the input / output unit 210 is composed of a touch panel or the like for inputting transaction operation instructions, transaction amount, and PIN, as well as displaying transaction results, various information, and two-dimensional codes used when registering a VCC or when conducting transactions using a VCC, as described below.

[0021] The input / output unit 210 may be provided with a separate display device for screen output and an input device, or may be provided with a separate PIN-pad (personal identification number pad) or the like to ensure security when entering a personal identification number, etc. The input / output unit 210 also includes a two-dimensional code reader that reads a two-dimensional code displayed on the user terminal 400, etc.

[0022] The receiving unit 220 connects to the user terminal 400 via short-range wireless communication and receives information necessary for VCC registration and transactions. The communication processing unit 230 transmits and receives predetermined information to and from the bank host system 300 and the VCC management server 500.

[0023] The currency processing section 240 consists of a banknote processing section and a coin processing section, each equipped with a banknote storage and coin storage for each denomination, and stores banknotes and coins equivalent to the amount specified in a withdrawal transaction, and banknotes and coins deposited in a deposit transaction. Note that if coins are not handled, the coin processing section may not be provided. The deposit / withdrawal section 250 is a deposit / withdrawal port through which a user can remove withdrawn banknotes and coins and insert banknotes and coins to be deposited in a withdrawal transaction, deposit transaction, etc. The card processing section 260 reads information from a cash card used for a transaction. The passbook processing section 270 records the transaction in a passbook. The statement processing section prints and outputs transaction details, etc., on a statement.

[0024] The control unit 290 controls the above units in cooperation with each other to execute the desired transaction. In the following description of the processing of the ATM 200, unless a processing entity is specifically specified, it is assumed that the processing is performed by the control unit 290.

[0025] <Bank Host System> The bank host system 300 manages users' bank accounts, transactions, and transaction ledger data at the bank that installs and manages the ATM 200, and as shown in Figure 3, has an account management database (DB) 310, a deposit master file DB 320, a communication processing unit 330, and a control unit 340.

[0026] Here, the account management DB 310 is a database that links and manages the account number of a user's bank account with user information (such as name, address, and contact information). The deposit master file DB 320 is a database in which the increase or decrease in the balance of each user's account due to transactions such as deposits and withdrawals is registered and corrected one by one, and the latest deposit amount can be referenced. The communication processing unit 330 sends and receives data to and from other devices via the communication network 700. The control unit 340 is composed of, for example, a central processing unit (CPU), and performs various processes in the bank host system 300. In the following description of the processing of the bank host system 300, unless a specific processing entity is specified, it is assumed that the control unit 340 performs the processing.

[0027] <User terminal> The user terminal 400 is a smartphone, tablet terminal, wearable device, etc., through which the user performs various operations in the transaction processing system 100 of this embodiment, and as shown in Figure 4, has an application unit 410, a short-range communication unit 420, a web access unit 430, a mobile phone function unit 440, an input / output unit 450, and a control unit 460.

[0028] The application section 410 stores application software programs (hereinafter referred to as applications) that are pre-installed in the user terminal 400 or installed by the user. In this embodiment, a VCC application 411 and a general application 412 are stored, and a central processing unit (CPU) (not shown) of the user terminal 400 executes these programs to realize desired functions.

[0029] Here, the VCC application 411 is an application that performs initial setting registration of the virtual cash card in this embodiment and transactions at the ATM 200. The general application 412 refers to other pre-installed applications or applications installed by the user, and includes one or more types of applications.

[0030] The short-range communication unit 420 transmits and receives data to and from the ATM 200, etc., using short-range wireless communication such as "NFC type-A," "NFC type-B," "Bluetooth (registered trademark)," or "UWB (Ultra Wide Band)." If necessary, the transmitted data may be encrypted during transmission. The web access unit 430 accesses the Internet to enable acquisition of various information, and the mobile phone function unit 440 provides the user terminal 400 with mobile phone functionality. The input / output unit 450 displays information from the above-mentioned units via a touch display or the like of the user terminal 400, and accepts data input from the user.

[0031] The control unit 460 is configured by, for example, a central processing unit (CPU), and performs various processes in the user terminal 400. In the following description of the processes of the user terminal 400, unless a particular processing entity is specified, it is assumed that the control unit 460 performs the processes.

[0032] <VCC Management Server> The VCC (virtual cash card) management server 500 is a database (DB) server that records and centrally manages various data required for initial setup and registration of the virtual cash card in this embodiment and for transactions at the ATM 200 for each user (bank account holder), and searches, updates, saves, etc. this data. Figure 5 shows the data configuration of the VCC management server 500, and includes card face information 510 consisting of a name 511, an account number 512, and an expiration date 513, a PIN number 520, a telephone number 530, an individual number 540 that uniquely identifies the user terminal 400, and magnetic information and / or IC information 550 of the cash card. The VCC management server 500 can be realized by a general-purpose computer or a personal computer (desktop or laptop).

[0033] (3) Overview of Overall Processing Flow First, the overall flow of transaction processing using a virtual cash card (VCC) in this embodiment will be described using Figure 6. This figure consists of a pre-registration process (step S610) for issuing a VCC and a transaction process (step S620) for conducting a transaction using the issued VCC, and is based on the perspective of a user (bank account holder conducting a transaction) operating the user terminal 400 or ATM 200. Details of the processing in each device will be described later in "(4) Detailed Sequence."

[0034] (3-1) Pre-registration (Step S610) <Step S611> The user launches the VCC app installed on the user terminal 400 such as their own smartphone, and registers the cash card's face information such as the account number and name, and card information such as the PIN and telephone number, into the VCC app. From the viewpoint of security, it is preferable that the VCC app be operable when personal authentication is completed using biometric information such as face or fingerprint, a passcode, etc.

[0035] <Step S612> A two-dimensional code including the card information registered in the VCC application and an individual number that uniquely identifies the user terminal 400 is displayed on the screen of the user terminal 400.

[0036] <Step S613> The user inserts the cash card into the ATM 200 and enters the personal identification number according to the instructions on the ATM 200 screen.

[0037] <Step S614> The user holds the two-dimensional code displayed on the user terminal 400 over the two-dimensional code reader of the ATM 200 to cause the ATM 200 to read it.

[0038] <Step S615> The user causes the user terminal 400 to read the two-dimensional code displayed on the ATM 200.

[0039] <Step S616> Based on the information received from the ATM 200, a virtual cash card (VCC) is issued within the VCC application.

[0040] (3-2) Transaction Processing (Step S620) <Steps S621, S622> When the user starts the VCC application and selects "ATM Transaction" from the VCC application menu, a corresponding two-dimensional code is displayed on the user terminal 400.

[0041] <Step S623> The user selects a VCC transaction from the transaction menu of the ATM 200, and holds the two-dimensional code displayed on the user terminal 400 over the two-dimensional code reader of the ATM 200 to have the ATM 200 read it.

[0042] <Step S624> The user enters the personal identification number according to the instructions on the screen of the ATM 200. This step S624 may be replaced by step S624' shown below.

[0043] <Step S624'> The user terminal 400 receives the SMS with the authentication code from the VCC management server 500 and displays the authentication code. The user follows the instructions on the ATM 200 screen to enter the displayed authentication code.

[0044] <Step S625> The above operations complete the authentication process for the transaction by the ATM 200. That is, the state is the same as that of a normal cash card transaction, where the cash card is inserted, a PIN is entered, and authentication is successful. The user selects the transaction type (deposit, withdrawal, transfer, etc.) according to the instructions on the ATM 200 screen, specifies the amount, etc., and then carries out the transaction.

[0045] (4) Processing Sequence Next, the details of each process when issuing a VCC and when using a VCC (transaction) will be explained using the processing sequence diagrams shown in Figures 7A to 7D. Note that some of the processes will be explained with reference to examples of screen displays of the user terminal 400 and ATM 200 shown in Figures 8A to 8C.

[0046] (4-1) When Registering (Issuing) a VCC (FIGS. 7A and 7B) <Step S701> A user desiring to issue a VCC launches the VCC app installed on the user terminal 400, selects Cash Card Information Registration 8A01 from a menu screen 8A00 as shown in FIG. 8A, and selects VCC Registration 8B02 from a transaction menu screen 8B00 of the ATM 200 as shown in FIG. 8B. The ATM 200 may display the VCC Registration button 8C01 on a screen 8C00 displayed upon completion of another regular transaction as shown in FIG. 8C, rather than on the initial transaction menu screen 8B00. The ATM 200 may also be configured to switch to two-dimensional code reading mode upon detecting a person using a motion sensor or the like, or to remain in two-dimensional code reading mode at all times. This allows a transaction to be started without selecting a transaction menu on a menu screen such as FIG. 8B. The user enters card information such as name 8D01, account number 8D02, expiration date 8D03, and other card information, PIN 8D04, and telephone number 8D05 on a cash card information registration screen 8D00 of the VCC app as shown in Fig. 8D, and presses a register button 8D06. In this embodiment, an example of registering a telephone number will be described, but it is also possible to register and use a VCC without using telephone number information.

[0047] <Step S702> The VCC application reads the card information, PIN, and telephone number entered by the user, as well as the individual number recorded in a predetermined area of ​​the user terminal 400, and stores these as first setting information. It also displays a two-dimensional code 8E01 containing this information on a screen 8E00 as shown in FIG. 8E. The individual number here is an identification number (ID) assigned to the user terminal 400 during manufacture or other such process, enabling the device to be uniquely identified. When generating the two-dimensional code, rather than encryption, digital signature, or shortening the URL, it is preferable to implement at least one of the following security measures: a dynamic two-dimensional code that stores information in the two-dimensional code itself, assigning a unique serial number to the two-dimensional code, a time-limited two-dimensional code, a method of dynamically generating information on the server side when the two-dimensional code is scanned, or error correction. For example, encryption can be achieved by using password protection, encryption of communication content using SSL / TLS, the use of encryption algorithms such as AES (Advanced Encryption Standard), RSA (Rivest-Shamir-Adleman), and ECC (Elliptic Curve Cryptography), or solutions specifically for two-dimensional codes.

[0048] <Step S703> The user inserts the cash card into the ATM 200 and enters the PIN using the keypad 8F01 in accordance with the instructions on the screen 8F00 of the ATM 200 as shown in Fig. 8F. The user then has the two-dimensional code reader of the ATM 200 read the two-dimensional code 8E01 (Fig. 8E) displayed on the user terminal 400.

[0049] <Steps S704 and S705> ATM 200 acquires magnetic information and / or information stored on an IC card (hereinafter referred to as IC information) from the inserted cash card. ATM 200 acquires face information from the magnetic information and / or IC information of the inserted cash card, and compares the acquired face information and the PIN entered into ATM 200 with the face information and PIN included in the first setting information of the read two-dimensional code to confirm whether they match. If the first setting information is encrypted, ATM 200 compares the face information and PIN decrypted by ATM 200 with the face information of the inserted cash card and the PIN entered into ATM 200 to confirm whether they match.

[0050] <Step S706> If there is a mismatch (NG) in step S705, the VCC issuance process (transaction) is cancelled.

[0051] <Step S707> If the results in step S705 match (OK), the ATM 200 generates second setting information by combining the face information, PIN, telephone number, and individual number included in the first setting information with magnetic information and / or IC information acquired from the inserted cash card, and transmits the second setting information to the VCC management server 500. The VCC management server 500 records the second setting information as shown in FIG. 5. In this embodiment, the second setting information including magnetic information and / or IC information acquired from the card is transmitted to the VCC management server 500. However, the information transmitted to the VCC management server 500 may not include these. Note that the face information and PIN in the second setting information may not be included in the first setting information, but may be the face information acquired from the cash card inserted into the ATM 200 and the entered PIN. Note that VCC issuance management may also be performed by a VCC app rather than the VCC management server 500. For example, the information including the face information and PIN number of the cash card inserted into ATM 200, the magnetic information and / or IC information of the cash card, the individual number of user terminal 400, and the telephone number is transmitted to user terminal 400 (a two-dimensional code may be displayed on the ATM and read by the user terminal). The VCC app verifies the information stored in the app, and if there is a match, issues a VCC. At this time, it is preferable to transmit the machine number of ATM 200 to user terminal 400 and record it in the VCC app. Using the machine number of ATM 200 makes it difficult for information to be copied or tampered with.

[0052] <Step S708> On a screen 8G00 as shown in Fig. 8G, the ATM 200 displays the face information and PIN of the cash card that have been confirmed to match as described above, as well as a two-dimensional code 8G01 that includes the magnetic information and / or IC information of the cash card, the individual number and telephone number of the user terminal 400. Note that even in this case, it is preferable that the magnetic information and / or IC information included in the two-dimensional code, the individual number and telephone number of the user terminal 400 are encrypted.

[0053] <Steps S709, S710, S711> Following the instructions on screen 8H00 of user terminal 400 as shown in FIG. 8H , the user reads two-dimensional code 8G01 displayed on ATM 200 with user terminal 400, and the VCC application retains the face information, PIN, magnetic information and / or IC information, individual number, and telephone number contained in the read two-dimensional code, and compares the face information, PIN, individual number, and telephone number (excluding the magnetic information and IC information) with the information entered in step S701. If the information contained in the read two-dimensional code is encrypted, the VCC application decrypts it and then compares the face information, PIN, individual number, and telephone number with the information entered in step S701. It is preferable that the read face information, PIN, magnetic information, and IC information be stored in the application in an encrypted state.

[0054] <Step S712> If there is a mismatch (NG) in step S711, the VCC issuance process (transaction) is cancelled.

[0055] <Steps S713 and S714> If the results in step S711 match (OK), the VCC application issues a virtual cash card (VCC) based on the card face information, PIN number, magnetic information and / or IC information, individual number, and telephone number obtained from the two-dimensional code in step S710, and the virtual cash card (VCC) can be used in the same way as a regular cash card. Once the virtual cash card (VCC) is issued, the VCC application may instruct the VCC management server 500 to change the information to a status indicating that virtual cash card (VCC) issuance has been completed, thereby changing the VCC issuance status of the VCC management server 500. Alternatively, after the VCC application issues the VCC, a process may be performed to have the ATM 200 read the VCC, and the ATM 200 may instruct the VCC management server 500 to change the status to a status indicating that the VCC issuance has been completed, thereby changing the VCC issuance status of the VCC management server 500.

[0056] (4-2) When using VCC (transaction) (Fig. 7C) <Step S721> The user starts the VCC application installed on the user terminal 400 and selects VCC use 8A02 from the menu screen 8A00 shown in Fig. 8A. Also, the user selects VCC transaction 8B03 from the transaction menu screen 8B00 of the ATM 200 shown in Fig. 8B.

[0057] <Step S722> The VCC application displays a two-dimensional code 8I01 to be used as a virtual cash card (including the cash card's face information, PIN number, magnetic information and / or IC information, and the user terminal 400's individual number and telephone number) on the screen 8I00 of the user terminal 400 as shown in Figure 8I.

[0058] <Step S723> The user follows the ATM screen 8J00 as shown in FIG. 8J, holds the two-dimensional code displayed on the user terminal 400 over the two-dimensional code reader of the ATM 200, and inputs the personal identification number using the pin pad unit 8J01.

[0059] <Step S724> The ATM 200 queries the VCC management server 500 for the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number contained in the read two-dimensional code. If the information contained in the two-dimensional code is encrypted, it is decrypted before querying the VCC management server 500.

[0060] <Steps S725, S726> The VCC management server 500 compares the card face information, PIN number, magnetic information and / or IC information, individual number, and telephone number received from the ATM 200 with the information held by the VCC management server 500. For example, the VCC management server 500 searches the table shown in Fig. 5 using the account number etc. included in the card face information received from the ATM as a key, and if a matching account number is found, it checks whether all other information also matches.

[0061] <Step S727> If, as a result of the comparison in step S726, there is no match in the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number ("NG" in step S725), the transaction is canceled. As described above, in order to check the issuance status of the VCC, it is preferable to perform the inquiry processing to the VCC management server 500 described in S724 to S727 and check whether the VCC has been suspended, etc. On the other hand, it is also possible to carry out an ATM transaction without performing the processing (S724 to S726) of checking the issuance status of the VCC by the VCC management server 500.

[0062] <Step S728> If the result of the comparison in step S726 is that the card information, PIN number, magnetic information, individual number, and telephone number all match, the ATM 200 receives a notification of authentication OK from the VCC management server 500 and displays screen 8K00, as shown in Figure 8K, which allows the user to select the type of transaction, such as deposit, withdrawal, or transfer.

[0063] <Step S729> The user selects the desired transaction from screen 8K00 displayed on the ATM 200 and executes the transaction according to the screen display. The transaction processing thereafter is the same as that of a normal ATM transaction. For example, in the case of a withdrawal transaction, the ATM 200 determines whether the withdrawal is possible by checking the balance in the bank host system 300's deposit ledger for the withdrawal amount specified by the user. If withdrawal is possible, the ATM 200 dispenses bills or coins for that amount, updates the amount in the bank host system 300's deposit ledger, and completes the transaction. Alternatively, the user can execute the ATM transaction by selecting the desired transaction from screen 8K00 displayed on the ATM 200 and then executing steps S721 to S728.

[0064] (4-3) When using VCC (transaction) (using SMS; Figure 7D) In ​​the VCC transaction described in Figure 7C, instead of entering a PIN number at ATM 200, it is also possible to issue an authentication code from the VCC management server and send it via SMS (Short Message Service) for authentication.

[0065] FIG. 7D is a sequence showing a transaction flow when using SMS. The processing from steps S721 to S723 in FIG. 7C is similar (S723 in FIG. 7C corresponds to S733 in FIG. 7D), so a description thereof will be omitted.

[0066] <Step S734> The ATM 200 holds the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number contained in the read two-dimensional code, and transmits a telephone authentication request to the VCC management server 500.

[0067] <Step S735> The VCC management server 500 issues an authentication code and sends a short message (SMS) containing the issued authentication code to the user terminal 400 whose phone number was received from the ATM 200.

[0068] <Step S736> The ATM 200 receives and stores the authentication code issued by the VCC management server 500, and displays a screen as shown in FIG. 8M prompting the user to enter the authentication code written in the SMS.

[0069] <Step S737> The VCC application receives the SMS containing the authentication code from the VCC management server 500, and displays on the user terminal 400 an SMS (8L00) containing the authentication code as shown in FIG. 8L.

[0070] <Steps S738, S739> According to the screen of ATM 200 as shown in FIG. 8M, the user inputs the authentication code written in the SMS into ATM 200, and ATM 200 compares the input authentication code with the authentication code received from VCC management server 500 in step S736.

[0071] <Steps S740, S741> If the result of the comparison in step S739 is that the two do not match, the transaction is canceled.

[0072] <Step S742> If the two match as a result of the comparison in step S739, the ATM 200 displays a screen for selecting the type of transaction, such as deposit, withdrawal, or transfer.

[0073] <Step S743> The user selects a desired transaction from the transaction menu displayed on the ATM 200 and executes the transaction according to the screen display.

[0074] As described above, according to this embodiment, there is no need to access the bank host system 300 when issuing a VCC or during authentication processing for a VCC transaction, and there is no need to significantly modify the existing bank host system 300 when introducing a VCC, which does not lead to an increase in introduction costs. Furthermore, since the VCC can be issued and managed by the ATM 200, there is no need to introduce new dedicated equipment. Furthermore, since the individual number of the user terminal 400 is used to determine whether or not a VCC can be issued, it is possible to prevent impersonation by malicious users, etc., and operation can be performed with consideration given to security risks.

[0075] In this embodiment, an example will be described in which VCC issuance and VCC transactions are performed using short-range wireless communication instead of the two-dimensional code in embodiment 1. In embodiment 2 and subsequent embodiments, descriptions of configurations and processes similar to those in embodiment 1 will be omitted.

[0076] (1) When registering (issuing) a VCC (FIGS. 9A and 9B) <Step S901> As in the first embodiment, the user selects VCC registration 8B02 from the transaction menu screen 8B00 of the ATM 200 as shown in Fig. 8B, and also enters card information such as name 8D01, account number 8D02, and expiration date 8D03, PIN 8D04, and telephone number 8D05 on the cash card information registration screen 8D00 of the VCC app as shown in Fig. 8D, and presses the register button 8D06. As in the first embodiment, it is also possible to register and use a VCC without using telephone number information.

[0077] <Step S902> The VCC app reads and stores the card information, PIN, and telephone number entered by the user, as well as the individual number recorded in a specified area of ​​the user terminal 400, and prepares for short-range wireless communication with the ATM 200 (for example, turns on the short-range wireless communication function of the user terminal 400).

[0078] <Step S903> The user inserts the cash card into the ATM 200 and enters the PIN. The user then starts short-range wireless communication between the user terminal 400 and the ATM 200, and the VCC application transmits the card face information and the PIN that it holds to the ATM 200 via short-range wireless communication.

[0079] <Steps S904 and S905> The ATM 200 acquires magnetic information and / or information stored on an IC card (hereinafter referred to as IC information) from the inserted cash card. The ATM 200 acquires face information from the magnetic information and / or IC information of the inserted cash card, and compares the acquired face information and the entered PIN with the face information and PIN received from the user terminal 400 via short-range wireless communication to confirm whether they match.

[0080] <Step S906> If there is a mismatch (NG) in step S905, the VCC issuance process (transaction) is cancelled.

[0081] <Step S907> If there is a match (OK) in step S905, the ATM 200 transmits the card face information, PIN number, telephone number, individual number, and magnetic information and / or IC information of the cash card to the VCC management server 500, and the VCC management server 500 records this information as shown in Fig. 5. As in the first embodiment, the information transmitted to the VCC management server 500 may be only the card face information, PIN number, telephone number, and individual number.

[0082] <Steps S908, S909> The ATM 200 receives card face information, PIN number, telephone number, individual number, magnetic information and / or IC information of the cash card from the VCC management server 500, and transmits this received information to the VCC app via short-range wireless communication with the user terminal 400.

[0083] <Steps S910, S911> The VCC application retains the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number received via short-range wireless communication, and compares the card information, PIN number, individual number, and telephone number excluding the magnetic information and / or IC information with the information entered by the user in step S901.

[0084] <Step S912> If there is a mismatch (NG) in step S911, the VCC issuance process (transaction) is canceled.

[0085] <Steps S913, S914> If there is a match (OK) in step S911, the VCC app issues a virtual cash card (VCC) based on the card face information, PIN number, magnetic information and / or IC information, individual number, and telephone number received via short-range wireless communication in steps S908-S909, and the card can be used in the same way as a regular cash card.

[0086] (2) When using VCC (transaction) (FIG. 9C) <Step S921> The user starts the VCC application installed on the user terminal 400 and selects VCC use 8A02 from the menu screen 8A00 shown in FIG. 8A. Also, the user selects VCC transaction 8B03 from the transaction menu screen 8B00 of the ATM 200 shown in FIG. 8B.

[0087] <Step S922> The VCC application displays a screen indicating that the virtual cash card is now available for use, and prepares to perform short-range wireless communication with the ATM 200.

[0088] <Step S923> The user enters the PIN number by following the instructions on the screen of the ATM 200. The VCC application transmits the card face information, PIN number, magnetic information and / or IC information, individual number, and telephone number that it holds to the ATM 200 via short-range wireless communication.

[0089] <Step S924> The ATM 200 queries the VCC management server 500 for the received card information, personal identification number, magnetic information and / or IC information, individual number, and telephone number.

[0090] <Steps S925 and S926> The VCC management server 500 compares the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number received from the ATM 200 with the information held by the VCC management server 500.

[0091] <Step S927> If, as a result of the comparison in step S926, there is no match in all of the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number ("NG" in step S926), the transaction is canceled.

[0092] <Step S928> If the result of the comparison in step S926 is that the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number all match, the ATM 200 receives a notification of authentication OK from the VCC management server 500 and displays screen 8K00, as shown in Fig. 8K, which allows the user to select a transaction type such as deposit, withdrawal, or transfer. Note that, as in the first embodiment, it is also possible to execute an ATM transaction without the VCC management server 500 performing the processes (S924 to S926) of checking the issuance status of the virtual cash card.

[0093] <Step S929> The user selects the desired transaction from the screen 8K00 displayed on the ATM 200 and executes the transaction according to the screen display. The transaction process thereafter is the same as a normal ATM transaction.

[0094] As described above, according to this embodiment, VCC issuance and VCC transactions are performed using near field communication instead of the two-dimensional code used in the first embodiment, so this embodiment can be applied to ATMs that do not have a two-dimensional code reader. In addition, other effects are the same as those of the first embodiment.

[0095] In this embodiment, an example will be described in which security performance is further enhanced by using facial recognition based on a user's facial image in VCC issuance and VCC transactions. In particular, this embodiment is characterized by performing facial recognition continuously during each process, and immediately halting each process if facial recognition is not successful. Note that in this specification, this type of recognition is referred to as continuous facial recognition.

[0096] (1) When registering (issuing) a VCC (FIGS. 10A and 10B) <Step S1001> A user issuing a VCC starts the VCC app installed on the user terminal 400, logs in to the VCC app using continuous facial authentication, and inputs card information such as name, account number, and expiration date, as well as a PIN and telephone number. The user also selects VCC registration from the transaction selection menu of the ATM 200. It is assumed that the user's facial image has been registered in advance in the VCC app.

[0097] <Step S1002> The VCC application reads and stores the card information, PIN, and telephone number entered by the user, as well as the individual number recorded in a predetermined area of ​​the user terminal 400, and displays a two-dimensional code including these various pieces of information. When using the two-dimensional code, it is preferable to implement security measures similar to those in the first embodiment.

[0098] <Step S1003> The user inserts the cash card into the ATM 200 and enters the PIN using the keypad, following the instructions on the screen of the ATM 200. The user then causes the two-dimensional code reader of the ATM 200 to read the two-dimensional code displayed on the user terminal 400.

[0099] <Steps S1004 and S1005> The user holds their own IC chip-embedded identification (driver's license or My Number card) over the reader of the ATM 200, and the ATM 200 stores the information on the identification. In this embodiment, the ATM 200 is assumed to be equipped with a reader that reads the IC chip-embedded identification.

[0100] <Steps S1006 and S1007> The user takes a picture of his or her face using a camera installed in the ATM 200, and the ATM 200 compares the taken face image of the user with the face image of the user recorded in the IC chip of the identification card to perform continuous face authentication.

[0101] <Steps S1008 and S1009> If the result of the comparison (continuous face authentication) in step S1007 is a mismatch (NG), the ATM 200 cancels the transaction (VCC registration process).

[0102] <Steps S1008, S1010, S1011> If the result of the comparison (continuous facial authentication) in step S1007 is a match (OK), ATM 200 compares the face information and PIN number of the inserted cash card with the face information and PIN number contained in the read two-dimensional code to confirm whether they match.

[0103] <Step S1012> If the results of step S1011 are not a match (NG), the ATM 200 cancels the transaction (VCC registration process).

[0104] <Step S1013> If the ATM 200 finds a match (OK) in step S1011, it sends the card face information, PIN number, telephone number, individual number, as well as the cash card's magnetic information and / or IC information to the VCC management server 500, and the VCC management server 500 records this information.

[0105] <Step S1014> The ATM 200 displays the face information and PIN of the cash card that has been confirmed to match as described above, as well as the magnetic information and / or IC information of the cash card, and a two-dimensional code including the individual number and telephone number of the user terminal 400.

[0106] <Steps S1015, S1016, S1017> The user reads the two-dimensional code displayed on ATM 200 with user terminal 400, and the VCC app retains the card face information, PIN number, magnetic information and / or IC information, individual number, and telephone number contained in the read two-dimensional code, and compares the card face information, PIN number, individual number, and telephone number excluding the magnetic information and IC information with the information entered in step S1001.

[0107] <Step S1018> If there is a mismatch (NG) in step S1017, the transaction (VCC issuance process) is canceled.

[0108] <Steps S1019, S1020> If there is a match (OK) in step S1017, the VCC application issues a virtual cash card (VCC) based on the card face information, PIN number, magnetic information and / or IC information, individual number, telephone number, and facial image obtained from the 2D code in step S1016, and the card can be used in the same way as a regular cash card.

[0109] (2) When using VCC (transaction) (FIG. 10C) <Step S1031> The user starts the VCC app installed on the user terminal 400 and logs in to the VCC app using continuous facial authentication. In addition, the user selects VCC transaction 8B03 from the transaction menu screen 8B00 of the ATM 200 shown in FIG. 8B.

[0110] <Step S1032> The VCC app displays a two-dimensional code (including the cash card's face information, PIN number, magnetic information and / or IC information, and the user terminal's 400 individual number, telephone number, and facial image) to be used as a virtual cash card on the screen of the user terminal 400.

[0111] <Step S1033> Following the instructions on the screen of the ATM 200, the user holds the two-dimensional code displayed on the user terminal 400 over the two-dimensional code reader of the ATM 200 and enters the PIN number using the pin pad. Then, an image of the user's face is captured by the ATM camera, and continuous face authentication begins.

[0112] <Step S1034> The ATM 200 starts continuous face authentication using the face image of the user captured by the ATM camera and the face image included in the two-dimensional code read in step S1033.

[0113] <Step S1035> The ATM 200 queries the VCC management server 500 for the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number contained in the read two-dimensional code.

[0114] <Steps S1036 and S1037> The VCC management server 500 compares the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number received from the ATM 200 with the information held by the VCC management server 500.

[0115] <Step S1038> If, as a result of the comparison in step S1037, there is no match in all of the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number ("NG" in step S1037), the transaction is canceled.

[0116] <Step S1039> If, as a result of the comparison in step S1037, there is found to be a match in all of the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number, the ATM 200 receives a notification of authentication OK from the VCC management server 500 and displays screen 8K00, as shown in Figure 8K, which allows the user to select the type of transaction, such as deposit, withdrawal, or transfer.

[0117] <Step S1040> The user selects the desired transaction from screen 8K00 displayed on ATM 200 and executes the transaction according to the screen display. The transaction process thereafter is the same as a normal ATM transaction.

[0118] In the above-mentioned steps S1001, S1006 (S1007), S1031, S1033 (S1034), etc., continuous facial authentication is used to continuously (continuously) confirm the legitimacy of the user while proceeding with subsequent processing. However, if facial authentication becomes impossible due to impersonation by another person, etc., subsequent processing is immediately interrupted and the transaction is stopped.

[0119] As described above, according to this embodiment, each process is carried out while continuously confirming the authenticity of the user through continuous facial authentication, so that VCC transactions can be carried out with better security measures, preventing impersonation etc. Other effects are the same as those of the first embodiment.

[0120] In this embodiment, an example will be described in which the VCC function of Example 1 and the like is stored in the My Number card body. The memory area of ​​the IC chip of the My Number card has free space, and predetermined information can be written via the short-range wireless communication function of a smartphone or the like and can be accessed and used later. In this embodiment, the VCC function is recorded in this free space and used for transactions.

[0121] (1) At the time of VCC registration (issuance) (FIG. 11A) The processing sequence at the time of registration is the same as in the first embodiment (FIGS. 7A and 7B) up to steps S711 to S712, but the processing after the determination in step S711 is "OK" is different, and the description will begin with step S1101 in FIG. 11A.

[0122] <Step S1101> The user holds the user terminal 400 over the My Number card and enters a personal identification number or the like to establish communication between the VCC application and the IC chip of the My Number card.

[0123] <Step S1102> The VCC app sends the card face information, PIN number, magnetic information and / or IC information, smartphone individual number, and telephone number stored in the app to the My Number card.

[0124] <Step S1103> The information transmitted in step S1102 is stored in the IC chip of the My Number Card, thereby completing the conversion of the My Number Card into a cash card (VCC).

[0125] (2) When using VCC (transaction) (FIG. 11B) <Step S1111> The user selects VCC transaction (using My Number card) from the transaction menu selection screen of ATM 200. Next, the user holds their My Number card over ATM 200 and enters their PIN at ATM 200.

[0126] <Step S1112> The ATM 200 reads the card face information, magnetic information and / or IC information, individual number, and telephone number recorded on the IC chip of the My Number card, and queries the VCC management server 500 along with the input PIN.

[0127] <Steps S1113 and S1114> The VCC management server 500 compares the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number received from the ATM 200 with the information held by the VCC management server 500.

[0128] <Step S1115> If, as a result of the comparison in step S1114, there is no match in all of the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number ("NG" in step S926), the transaction is canceled.

[0129] <Step S1116> If, as a result of the comparison in step S1114, the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number all match, the ATM 200 receives a notification of authentication OK from the VCC management server 500 and displays screen 8K00, as shown in Figure 8K, which allows the user to select the type of transaction, such as deposit, withdrawal, or transfer.

[0130] <Step S1117> The user selects the desired transaction from screen 8K00 displayed on ATM 200 and executes the transaction according to the screen display. The transaction process thereafter is the same as a normal ATM transaction.

[0131] As described above, according to this embodiment, the My Number Card can be equipped with a VCC function, which can prevent unauthorized use by malicious users through spoofing by modifying the smartphone, etc. Other effects are the same as those of the first embodiment.

[0132] In this embodiment, as a modified example of the fourth embodiment in which the My Number card stores the VCC function, an example in which the My Number card function (information) is built into the user terminal 400 will be described.

[0133] (1) At the time of VCC registration (issuance) (FIGS. 12A and 12B) <Step S1201> The user holds the user terminal 400 over the My Number card and enters a personal identification number or the like to establish communication between the VCC application and the IC chip of the My Number card.

[0134] <Step S1202> The VCC application stores various information about the My Number card within the application.

[0135] <Steps S1203 to S1214> These are the same processes as steps S701 to S712 in the first embodiment (FIGS. 7A and 7B), and therefore a description thereof will be omitted.

[0136] <Steps S1215, S1216> By recording the card face information, PIN number, magnetic information and / or IC information, smartphone individual number, and telephone number in addition to the My Number card information stored in the VCC app, the card is built into the user terminal 400 as a My Number card with VCC functionality.

[0137] (2) When using VCC (transaction) (FIG. 12C) <Steps S1221, S1222> The user selects a VCC transaction (using My Number card) from the transaction menu selection screen of the ATM 200. The user also starts the VCC application of the user terminal 400, and the VCC application prepares to have the ATM 200 read the VCC held in the built-in My Number card unit via near-field wireless communication.

[0138] <Step S1223> The user holds the user terminal 400 over the ATM 200 and enters the PIN according to the instructions on the screen of the ATM 200. The VCC application transmits the card face information, magnetic information and / or IC information, individual number, and telephone number stored in the My Number card section to the ATM 200 via short-range wireless communication.

[0139] <Step S1224> The ATM 200 queries the VCC management server 500 for the received card information, magnetic information and / or IC information, individual number, telephone number, and the input personal identification number.

[0140] <Steps S1225 and S1226> The VCC management server 500 compares the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number received from the ATM 200 with the information held by the VCC management server 500.

[0141] <Step S1227> If, as a result of the comparison in step S1226, there is no match in all of the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number ("NG" in step S1226), the transaction will be canceled.

[0142] <Step S1228> If, as a result of the comparison in step S1226, there is found to be a match in all of the card information, PIN number, magnetic information and / or IC information, individual number, and telephone number, the ATM 200 receives a notification of authentication OK from the VCC management server 500 and displays screen 8K00, as shown in Figure 8K, which allows the user to select the type of transaction, such as deposit, withdrawal, or transfer.

[0143] <Step S1229> The user selects the desired transaction from screen 8K00 displayed on ATM 200 and executes the transaction according to the screen display. The transaction process thereafter is the same as a normal ATM transaction.

[0144] As described above, according to this embodiment, since the My Number card with VCC function is built into the user terminal 400, it is possible to prevent fraudulent registration by malicious users who spoof the user's identity by modifying the smartphone during VCC registration, and it is not necessary to carry the physical My Number card when using VCC, which improves convenience for the user. Other effects are the same as those of the first embodiment.

[0145] In this embodiment, an example of the VCC usage suspension process and the VCC usage resumption process when the user terminal 400 to which the VCC was issued is lost will be described using the sequence diagrams shown in Figures 13A and 13B. In Figures 13A and 13B, steps S1301 to S1308 are the VCC usage suspension process, and steps S1321 to S1336 are the VCC usage resumption process.

[0146] (1) VCC usage suspension process <Step S1301> A user who has lost a user terminal such as a smartphone equipped with a VCC (configured) selects the VCC usage suspension procedure from the transaction menu screen of the ATM 200, inserts the cash card, and enters the PIN.

[0147] <Step S1302> The ATM 200 reads the information on the inserted cash card, stores the card information, the PIN number, the magnetic information and / or the IC information, and transmits a request to the VCC management server 500 to stop use of the VCC.

[0148] <Steps S1303 and S1304> The VCC management server 500 collates the card information, PIN number, magnetic information and / or IC information received from the ATM 200 with its own database to check whether there is a matching data set.

[0149] <Step S1305> If there is no matching data set in the database of the VCC management server 500 ("NG" in step S1304), the transaction for suspending VCC use is cancelled.

[0150] <Step S1306> If there is a matching data set in the database of the VCC management server 500 ("OK" in step S1304), the VCC usage suspension process is performed by, for example, assigning a flag indicating "usage suspended" to the corresponding data set.

[0151] <Step S1307> The ATM 200 receives the account information (account number, etc.) for which the VCC suspension process has been performed from the VCC management server 500, and notifies the user by displaying on the screen that the VCC usage for the account number has been suspended. The ATM 200 may also decide not to accept any future VCC transactions for the account number.

[0152] <Step S1308> The user receives the cash card ejected from the ATM 200, and the VCC usage suspension process ends.

[0153] (2) VCC Usage Resumption Processing <Step S1321> When a user finds the user terminal 400 that was lost or otherwise lost, the user selects VCC Usage Resumption Processing from the VCC application menu and also selects VCC Usage Resumption Processing from the transaction menu of the ATM 200 to start the VCC usage resumption processing using the user terminal 400.

[0154] <Step 1322> The VCC application displays a two-dimensional code including the card information, PIN, telephone number, and smartphone individual number on the user terminal 400.

[0155] <Step S1323> The user follows the instructions on the ATM 200 screen to insert the cash card into the ATM 200, enters the personal identification number, and holds the two-dimensional code displayed on the user terminal 400 over the ATM 200.

[0156] <Steps S1324 and S1325> The ATM 200 compares the face information of the inserted cash card and the input personal identification number with the face information and personal identification number included in the two-dimensional code that is held over the card.

[0157] <Step S1326> If the data do not match as a result of the collation ("NG" in step S1325), the transaction for which the VCC usage resumption process is to be performed is cancelled.

[0158] <Steps S1327, S1328> If the result of the comparison shows that the data matches ("OK" in step S1325), ATM 200 sends the card information, PIN number, magnetic and / or IC information, telephone number, and smartphone individual number contained in the two-dimensional code to VCC management server 500, and VCC management server 500 compares them with the information stored in its database.

[0159] <Step S1329> If there is no matching data set in the database of the VCC management server 500 ("NG" in step S1328), the transaction for resuming VCC use is cancelled.

[0160] <Step S1330> If a matching data set is found in the database of the VCC management server 500 ("OK" in step S1328), the VCC usage resumption process is performed by, for example, clearing the flag indicating "usage suspended" or the like that was assigned in the above-mentioned step S1306 for the corresponding data set.

[0161] <Step S1331> The ATM 200 receives from the VCC management server 500 the card information, PIN number, magnetic information, smartphone individual number, and telephone number of the account for which resumption of VCC use has been approved, and displays a two-dimensional code containing this information on the screen.

[0162] <Step S1332> The user reads the two-dimensional code displayed on the ATM 200 with the camera of the user terminal 400 (VCC application).

[0163] <Steps S1333, S1334> The VCC app compares the card information, PIN number, magnetic information and / or IC information, smartphone individual number, and telephone number contained in the two-dimensional code displayed on ATM 200 with the corresponding information for the account stored in the app itself.

[0164] <Step S1335> If the result of the comparison in the VCC application is a mismatch ("NG" in step S1334), the transaction for which the VCC usage resumption process is to be performed is canceled. In addition, processing such as canceling the usage resumption approval by the VCC management server 500 in step S1330 is also performed.

[0165] <Step S1336> If the VCC application finds a match as a result of the comparison ("OK" in step S133), the VCC application displays a screen or the like to the user indicating that the suspension of use has been lifted, and the transaction for resuming VCC use is completed.

[0166] The above-described processes in steps S1331 to S1335 may be omitted. That is, after the resumption of VCC use is approved in step S1330, the process may immediately proceed to step S1336, completing the VCC use resumption process.

[0167] As described above, according to this embodiment, when a user terminal that has registered a VCC is lost, the service suspension process can be immediately performed using a cash card, and when the user terminal is later found, the service resumption process can be easily performed using that user terminal, allowing the process to be performed quickly and easily even when the bank counter is closed outside of business hours.

[0168] In this embodiment, an example in which a user who has lost a physical cash card suspends the use of the card and then applies for a new physical cash card to be reissued using the VCC app will be described with reference to the sequence diagram shown in Fig. 14. <Step S1401> The user who has lost their physical cash card applies for suspension of the use of the physical card using another dedicated app or by telephone.

[0169] <Steps S1402 and S1403> When the user starts the VCC application and selects a request for reissuance of a physical cash card from the menu, the VCC application sends a request for reissuance of a physical cash card to the VCC management server 500.

[0170] <Step S1404> When the VCC management server 500 receives the request to reissue the physical cash card, it transmits a command to the VCC application to verify the identity of the user.

[0171] <Step S1405> Based on the instructions displayed on the user terminal 400 (VCC application), the user prepares his / her own identification card with an integrated IC chip (such as a My Number card or a driver's license) to verify his / her identity, and holds it up to the reader unit of the user terminal 400 to have it read.

[0172] <Step S1406> The VCC application stores the personal information, face image information, and the like recorded in the IC chip of the read identification card.

[0173] <Step S1407> Based on the instructions displayed on the user terminal 400 (VCC application), the user takes a picture of his or her own face using the camera of the user terminal 400.

[0174] <Steps S1408 and S1409> The VCC application compares the captured face image of the user with the face image information stored in the IC chip acquired in step S1406.

[0175] <Step S1410> If the result of the comparison in step S1409 is a mismatch (NG), the transaction related to the request for reissue of the physical cash card is canceled.

[0176] <Step S1411> If the result of the collation in step S1409 is a match (OK), the VCC application approves the request for reissuance of the physical cash card to the VCC management server 500 and notifies the financial institution of the reissue application.

[0177] <Step S1412> After that, the physical cash card reissued by the financial institution is sent to the user by mail.

[0178] As described above, according to this embodiment, when a physical cash card is lost, an application for reissuance can be made using the VCC app, and the process can be carried out quickly and easily even outside of business hours when bank counters are closed.

[0179] Although each embodiment has been described above, it is possible to change, add, or combine some of the configurations and processes within the scope of what is possible. For example, the continuous face authentication described in embodiment 3 can be combined with other embodiments.

[0180] In addition, in each embodiment, an ATM capable of deposit and withdrawal transactions has been used as a device for registering VCCs and performing VCC transactions, etc., but any device having the functions necessary to perform each process described in each of the above embodiments (for example, a two-dimensional code reader or short-range wireless communication function) may be used, such as an automated machine such as a CD (cash dispenser) dedicated to withdrawal transactions, and the VCC registration process can be applied not only to automated machines that perform financial transactions, but also to other information processing devices including counter terminals, etc.

[0181] 100: Transaction processing system 200: Automatic transaction machine (ATM) 300: Bank host system 400: User terminal 500: VCC management server 600: Communication network

Claims

1. A transaction processing system having a user terminal, an information processing device, and a server device, wherein the user terminal has a processing unit that accepts registration of face information and a PIN number of a cash card, generates first setting information together with an individual number acquired from the user terminal, and transmits the first setting information to the information processing device, and receives second setting information from the information processing device, compares the face information, PIN number, and individual number contained in the first setting information with the face information, PIN number, and individual number contained in the second setting information, and if the comparison is successful, registers the face information, PIN number, and individual number contained in the first setting information and the magnetic information and / or IC information of the cash card contained in the second setting information as virtual cash card information, and the information processing device A transaction processing system characterized by having a control unit that compares the face information read from the cash card and the input PIN number with the face information and PIN number contained in the received first setting information, and if the match is successful, generates second setting information that includes the face information, PIN number, and individual number contained in the received first setting information, and magnetic information and / or IC information read from the cash card, and transmits the second setting information to the user terminal.

2. A transaction processing system as described in claim 1, wherein the processing unit further accepts registration of a user's telephone number, the first setting information includes the telephone number, compares the face information, the PIN, the telephone number and the individual number included in the first setting information with the face information, PIN, telephone number and individual number included in the second setting information, and if the match is successful, registers the face information, the PIN, the telephone number and the individual number included in the first setting information and the magnetic information and / or IC information of the cash card included in the second setting information as virtual cash card information, the control unit generates the second setting information including the telephone number included in the received first setting information and transmits it to a server device, and the server device has a memory unit that registers the second setting information received from the information processing device.

3. A transaction processing system as described in claim 1, characterized in that the user terminal transmits the first setting information to the information processing device using a two-dimensional code, and the information processing device transmits the second setting information to the user terminal using a two-dimensional code.

4. A transaction processing system as described in claim 1, characterized in that the user terminal transmits the first setting information to the information processing device using short-range wireless communication, and the information processing device transmits the second setting information to the user terminal using short-range wireless communication.

5. A transaction processing system as described in claim 1, characterized in that the user terminal, when first continuous facial authentication is authenticated using a pre-stored facial image of the user and a captured image of the face of the user initiating a transaction, allows the start of a process to accept registration of the face information of the cash card, a PIN number, and the user's telephone number, and the information processing device, when second continuous facial authentication is authenticated using a captured image of the user's face and the user's facial image data stored in an IC chip-embedded identification card, allows the start of a process to compare the face information read from the cash card and the entered PIN number with the face information and PIN number included in the received first setting information.

6. A transaction processing system as described in claim 1, characterized in that the user terminal registers the virtual cash card information to a My Number card.

7. A transaction processing system as described in claim 1, characterized in that the user terminal has a My Number card unit that holds My Number card information, and the virtual cash card information is registered in the My Number card unit.

8. A transaction processing system as described in claim 2, characterized in that the information processing device, based on instructions from the user, assigns a flag indicating suspension of use to the second setting information registered in the server device, and then compares the card face information read from the cash card and the entered PIN number with the card face information and PIN number contained in the first setting information received from the user terminal, and if a match is established, cancels the flag indicating suspension of use assigned to the second setting information registered in the server device.

9. A transaction processing system as described in claim 2, characterized in that the information processing device is an automated machine that performs financial transactions, queries the server device for the virtual cash card information received from the user terminal, and if the query is successful, allows the user to perform the financial transaction.

10. A cash card information registration method for registering cash card information in a user terminal, comprising the steps of: accepting registration of cash card face information and PIN number at the user terminal, generating first setting information together with an individual number acquired from the user terminal, and transmitting the first setting information to an information processing device; and comparing the face information and input PIN number read from the cash card with the face information and PIN number included in the first setting information transmitted from the user terminal, and if the comparison is successful, generating second setting information including the face information, PIN number, and individual number included in the first setting information, and magnetic information and / or IC information read from the cash card, and transmitting the second setting information to the user terminal. a step of receiving, in the user terminal, the second setting information from the information processing device, comparing the face information, the PIN number, and the individual number contained in the first setting information with the face information, the PIN number, and the individual number contained in the second setting information, and if the comparison is successful, registering the face information, the PIN number, and the individual number contained in the first setting information and the magnetic information and / or IC information of the cash card contained in the second setting information as virtual cash card information.

11. A cash card information registration method as claimed in claim 10, characterized in that: the user terminal further accepts registration of a user's telephone number, and the first setting information includes the user's telephone number; in the information processing device, the second setting information further includes the telephone number included in the first setting information, and the generated second setting information is transmitted to a server device and the user terminal; the server device registers the second setting information received from the information processing device; and the user terminal compares the card face information, PIN number, telephone number and individual number included in the first setting information with the card face information, PIN number, telephone number and individual number included in the second setting information, and if a match is established, registers the card face information, PIN number, telephone number and individual number included in the first setting information and the magnetic information and / or IC information of the cash card included in the second setting information as virtual cash card information.

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