JP5970974B2 - Transaction apparatus and program - Google Patents

Description

  The present invention relates to a transaction apparatus and a program, and can be applied to, for example, an ATM (Automatic Teller Machine) installed in a financial institution such as a bank or a convenience store.

  Conventional ATMs include transactions that use a cash card (hereinafter referred to as “card-added transaction”) and transactions that do not use a cash card (hereinafter referred to as “cardless transaction”).

  In a conventional transaction system using ATM that supports transactions with cards, a cash card is inserted from a customer, and authentication is performed by biometric authentication using a personal identification number or biometric information (for example, information such as palm print, fingerprint, vein). Transactions are performed after processing (identity verification).

  As a transaction system using ATM corresponding to a conventional cardless transaction, there is a system described in Patent Document 1. In the system described in Patent Document 1, a customer who uses an ATM is requested to input a membership number instead of inserting a cash card (medium in which an account number or the like is recorded), and a password (password) and An authentication process (identification) using biometric information is performed.

JP 2010-152506 A

  By the way, in the ATM corresponding to the conventional transaction with card, when the customer does not perform an operation for a certain period of time, the cash card is returned (discharged) and the transaction is stopped. In this case, the customer who uses the ATM has a willingness to receive the cash card inserted in the ATM, so it is not possible to leave the ATM without receiving the cash card by his / her own intention (without terminating the transaction). rare. Moreover, in the ATM corresponding to the transaction with a conventional card, cash and a cash card are discharged at the end of the transaction, but the transaction itself is ended even if these are forgotten.

  On the other hand, in the ATM corresponding to the conventional cardless transaction, since the transaction is performed without receiving the insertion of the cash card from the customer, the customer has no intention of receiving the cash card. Therefore, in the ATM corresponding to the conventional cardless transaction, since the cash card is not discharged, the possibility that the customer leaves the place before the transaction ends is higher than the transaction with the card. In that case, in the ATM corresponding to the conventional cardless transaction, after the authentication process, if the customer leaves from the ATM before the transaction ends, the transaction can be continued by impersonating a third party. It will end up.

  Therefore, there is a demand for a transaction apparatus and program that can improve the safety of transactions in transactions that do not use a medium (for example, a cash card) on which information used for transactions is recorded.

The first aspect of the present invention is a transaction apparatus that performs transactions with a user. (1) A medium use transaction for performing a transaction with the user using a medium on which information on the transaction is recorded, and a medium on which information about the transaction is recorded. without using a transaction processing means corresponding to the medium non-use transactions to perform transactions with the user, the monitoring system to monitor the user in accordance with (2) transaction method media bodies use transactions or medium unusable-transaction And transaction control means for switching between.

According to a second aspect of the present invention, in a transaction apparatus for performing a transaction with a user, (1) a transaction processing means capable of performing a transaction with the user without using a medium in which information related to the transaction is recorded; ) While the transaction processing means performs a transaction with the user, a user detection means capable of detecting by using a sensor whether or not the user exists around the transaction apparatus; and (3) a medium Transaction control means for performing control to stop the transaction by the transaction processing means when the user cannot be detected by the user detection means while performing a transaction with the user without using the transaction processing means. To do.

A transaction program according to a third aspect of the present invention provides a computer installed in a transaction apparatus that performs a transaction with a user, (1) a medium use transaction that performs a transaction with the user using a medium in which information related to the transaction is recorded; without using a medium in which information is recorded regarding the transaction, the transaction processing means corresponding to the medium non-use transactions to perform transactions with the user, according to (2) medium body trading scheme use transactions or medium unusable-transaction It is made to function as a transaction control means which switches the monitoring system which monitors the said user .

The transaction program according to the fourth aspect of the present invention allows a computer installed in a transaction apparatus that performs transactions with a user to (1) perform a transaction with the user without using a medium on which information related to the transaction is recorded. And (2) user detection capable of detecting by using a sensor whether or not the user exists in the vicinity of the transaction device while the transaction processing unit is performing a transaction with the user. And (3) transaction control for controlling the transaction processing unit to stop the transaction when the user cannot be detected by the user detection unit while performing a transaction with the user without using a medium. It is made to function as a means.
The fifth aspect of the present invention is a transaction apparatus for performing a transaction with a user. (1) Inserting a card into a card insertion / extraction port and performing a transaction with the user and inserting a card into the card insertion / extraction port Without any transaction processing means corresponding to the card non-use transaction for making a transaction with the user, and (2) monitoring the user with the first monitoring method at the card non-use transaction, and the card use transaction at the above Transaction control means for monitoring the user by the second monitoring method.
A sixth aspect of the present invention is a transaction apparatus for performing transactions with a user, (1) transaction processing means corresponding to at least a card non-use transaction for performing a transaction with the user without inserting a card into a card insertion / exit port; (2) User detection means that can detect whether or not the user exists in the vicinity of the transaction device using a sensor, and (3) the user detection means when the card non-use transaction is performed. Transaction control means for monitoring and transaction control means for monitoring the user by the first monitoring method at the time of card non-use transaction are characterized .

  ADVANTAGE OF THE INVENTION According to this invention, the safety | security of transaction can be improved in the transaction apparatus which performs the transaction which does not use the medium on which the information used for transaction is recorded.

It is a block diagram which shows the whole structure of ATM which concerns on 1st Embodiment. It is the block diagram shown about the whole structure of the transaction system provided with ATM which concerns on 1st Embodiment. It is an external appearance perspective view of ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the information which the registration authentication information storage part with which the authentication server which concerns on 1st Embodiment is provided memorize | stores. It is explanatory drawing shown about the structural example of the information which the account corresponding | compatible information memory | storage part with which the DB server which concerns on 1st Embodiment is provided memorize | stores. It is the sequence diagram shown about the process in case a cardless transaction with a customer is performed in the transaction system which concerns on 1st Embodiment (the 1). It is the sequence diagram (the 2) shown about the process in case a cardless transaction with a customer is performed in the transaction system which concerns on 1st Embodiment. It is the sequence diagram shown about the process in case a cardless transaction with a customer is performed in the transaction system which concerns on 1st Embodiment (the 3). It is the flowchart shown about the customer monitoring process in case a cardless transaction with a customer is performed in ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the transaction system selection screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the transaction selection screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the biometric information input reception screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the birth date input reception screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the display screen during authentication processing displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the account confirmation screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the PIN code input reception screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the balance display screen displayed by ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the payment amount input reception screen displayed by ATM of 1st Embodiment. It is the sequence diagram shown about the process in case a cardless transaction with a customer is performed in the transaction system which concerns on 2nd Embodiment (the 1). It is the sequence diagram shown about the process in case a cardless transaction with a customer is performed in the transaction system which concerns on 2nd Embodiment (the 2). It is the flowchart shown about the customer monitoring process in case a cardless transaction with a customer is performed in ATM which concerns on 2nd Embodiment. It is explanatory drawing shown about the structural example of the card insertion request | requirement screen displayed by ATM of 2nd Embodiment. It is the flowchart shown about the customer monitoring process in case a cardless transaction with a customer is performed in ATM which concerns on 3rd Embodiment.

(A) First Embodiment Hereinafter, a first embodiment of a transaction apparatus and a program according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

(A-1) Configuration of First Embodiment FIG. 2 is a block diagram showing an overall configuration of a transaction system 1000 having ATM 1 of this embodiment.

  In the transaction system 1000, an ATM 1, an application server 2, a host computer 3, a DB server 4, and an authentication server 5 are arranged. In addition, the number of ATM1 arrange | positioned in the transaction system 1000 is not limited.

  In the following description, it is assumed that the user who operates ATM1 is a customer, but the user who operates ATM1 is not limited to a customer such as a staff member of a financial institution, for example.

  ATM1 is connected to the network N. The ATM 1 is connected to the application server 2 via the network N. The application server 2 can be connected to the host computer 3, the DB server 4, and the authentication server 5, and provides transaction processing services to the ATM 1 in cooperation with these devices. When viewed from the ATM 1, the system constituted by the application server 2, the host computer 3, the DB server 4, and the authentication server 5 is recognized as one external system. The specific hardware configuration of the external system described above is not limited. For example, the external system may be configured using a single device (computer).

  Although the communication system of the network N is not limited, for example, an IP communication network such as the Internet can be applied. The application server 2 and other servers (host computer 3, DB server 4, authentication server 5) are faster than the ATM 1 by, for example, LAN connection (for example, Ethernet (registered trademark) connection). It is assumed that proper communication is possible.

  Next, the internal configuration of ATM1 will be described.

  FIG. 1 is a block diagram showing the overall configuration of the ATM 1 of this embodiment. FIG. 3 is an external perspective view of the ATM 3.

  The ATM 1 includes a control unit 10, a data storage unit 20, a user interface unit 30, a card reader 40, a printer 50, a cash processing unit 60, and a proximity sensor 70. The ATM 1 of the first embodiment supports cardless transactions in addition to transactions using cash cards.

  The control part 10 bears the function (functions, such as the transaction processing means of this embodiment, a transaction control means, a non-operation time measuring means) which performs operation control and information processing of each part in ATM1. The control unit 10 includes a transaction processing unit 110 and a communication unit 120. The data storage unit 20 is a data storage unit that stores various information necessary for the control unit 10 to perform information processing. The data storage unit 20 can be configured by various memories, for example.

  The control unit 10 can be realized, for example, by installing the transaction program of the embodiment (a program including the processing configuration of the transaction processing unit 110) or the like in an implementation configuration (computer) of a program including a processor or the like. For example, the above-described transaction program may be stored in the data storage unit 20 and read and executed by the control unit 10 when the ATM 1 is activated.

  The communication unit 120 is a network interface for connecting to the network N. The communication unit 120 can be the same as the existing ATM or the like, and will not be described in detail.

  The transaction processing unit 110 performs information processing (including information presented to the customer and processing associated with operation reception) for performing transactions with the customer, and controls each component in the ATM 1 in accordance with the transaction processing. It is.

  The user interface unit 30 is responsible for the user interface function of the ATM 1. The user interface unit 30 cooperates with the control unit 10 to realize an operation receiving unit.

  It is assumed that the user interface unit 30 of this embodiment includes an operation display unit 31 and a biological information acquisition unit 32 as user interface devices.

  The operation display unit 31 can present an operation screen to the customer by using a touch panel display or the like, and can perform information output to the customer and operation reception from the customer (menu selection, amount input, number input, etc.). It is a device.

  The biometric information acquisition unit 32 as biometric information acquisition means is an interface for acquiring biometric information from a customer. In this embodiment, the biometric information acquisition unit 32 captures the customer's palm (palmprint) with a scanner 321 (see FIG. 3) disposed on the front surface of the ATM 1 and captures the captured image data (palmprint image data). It shall be held as biological information. Data processing (such as a palmprint image data generation method) performed by the scanner 321 and the biometric information acquisition unit 32 can be applied to the same device as that used in the existing palm authentication, and detailed description thereof is omitted. Information used for biometric authentication in transaction system 1000 is not limited to palm prints, and other biometric information such as fingerprints, eyeball glows, voice prints, hand veins, and the like can be applied.

  The card reader 40 reads data of a cash card inserted from the customer into the card insertion / ejection slot 401. The card reader 40 can be the same as the existing ATM or the like, and will not be described in detail.

  The printer 50 prints a statement or the like on which transaction contents are printed and discharges it from the slip discharge unit 501. Note that the printer 50 itself can be the same as the existing ATM or the like, and will not be described in detail.

  The cash processing unit 60 has a function of storing cash (banknotes and / or coins) received from a customer and a function of withdrawing the stored cash to the customer. In addition, the cash processing part 60 can apply the same thing as the existing ATM etc. In this embodiment, the cash processing unit 60 includes a banknote storage unit 610 that stores banknotes and a coin storage unit 620 that stores coins. In the banknote storage unit 610, banknotes can be deposited / withdrawn from a banknote deposit / withdrawal port 611 shown in FIG. Moreover, in the coin storage part 620, it is possible to deposit / withdraw coins from a coin deposit / withdrawal port 621 shown in FIG.

  The proximity sensor 70 (human sensor) is a sensor for detecting the presence or absence of a customer in the vicinity of the ATM 1. The proximity sensor 70 detects a customer under the control of the control unit 10 and reports the detection result to the control unit 10. That is, the proximity sensor 70 implements a user detection unit in cooperation with the control unit 10. The hardware configuration of the proximity sensor 70 is not limited. For example, a sensor using ultrasonic waves, visible light, infrared rays, or the like can be applied.

  Next, the application server 2 will be described.

  The application server 2 functions as an interface with the ATM 1 in the external system described above. The application server 2 can be constructed by installing an application program or the like in an information processing apparatus (computer) such as C or a workstation. Specific processing contents performed by the application server 2 will be described in detail in the operation description to be described later.

  Next, the authentication server 5 will be described.

  When at least biometric information (palm image data) is supplied from the application server 2, the authentication server 5 collates the biometric information registered in the registered authentication information storage unit 51 and returns the collation result to the application server 2. To do. The authentication server 5 can be constructed by installing an authentication processing program or the like in an information processing apparatus (computer) such as a PC or a workstation. Note that the biometric information collation process itself performed by the authentication server 5 can be applied to the same process as that of an existing biometric authentication apparatus.

  FIG. 4 is an explanatory diagram showing a configuration example of the registration authentication information storage unit 51.

  As shown in FIG. 4, the registered authentication information storage unit 51 manages biometric information and an identifier functioning as a label of the biometric information (hereinafter referred to as “biometric information identifier”) in association with each other.

  In FIG. 4, for the sake of simplicity, each biological information is represented as “biological information BD1, biological information BD2,...”, But actually, the biological information data itself and the link destination to the data (File name etc.) etc. are registered. In FIG. 4, for example, “biological information BD1” corresponds to the biometric information identifier “10001”. The format of the biometric information registered in the registered authentication information storage unit 51 is not limited as long as it can be used for authentication processing (collation processing). For example, it is extracted from palmprint image data or palmprint images. It may be feature amount data.

  Next, the DB server 4 will be described.

  When the date of birth information is input from the application server 2, the DB server 4 obtains customer information (including account information and biometric information identifier) corresponding to the date of birth from the account correspondence information storage unit 41. It detects and returns the detection result to the application server 2. The DB server 4 can be constructed, for example, by accumulating data having a data structure described later in an existing DB server.

  FIG. 5 is an explanatory diagram showing a configuration example of the account correspondence information storage unit 41.

  In the account correspondence information storage unit 41, as shown in FIG. 5, at least “account number”, “biological information identifier” of the customer of the account, and “birth date” of the customer of the account are registered for each account. Yes.

  When one date of birth information is input from the application server 2, the DB server 4 detects an account (account number) corresponding to the date of birth from the account correspondence information storage unit 41, and all the detected accounts Information related to (including the account number and biometric information identifier) is returned to the application server 2.

  As the host computer 3, for example, a host computer capable of transaction processing using ATM at an existing financial institution can be applied.

(A-2) Operation of the First Embodiment Next, the operation (including the operation of ATM1) of the transaction system 1000 of the first embodiment having the above configuration will be described.

(A-2-1) Operation of Cardless Transaction FIGS. 6 to 8 are sequence diagrams showing operations (including the operation of ATM1) when a cardless transaction is performed in the transaction system 1000. FIG. 6-8, the example in which the cardless transaction using the authentication based on biometric information is performed in ATM1 is demonstrated. Moreover, in FIGS. 6-8, it has shown about the example in the case of performing withdrawal transaction continuously from balance inquiry.

  First, from the screen (hereinafter referred to as “transaction method selection screen”) for selecting a transaction method (transaction using a cash card or cardless transaction) displayed on the operation display unit 31 of the ATM 1 It is assumed that the cardless transaction is selected by (S101).

  FIG. 10 is an explanatory diagram showing a configuration example of a transaction method selection screen displayed on the screen of the operation display unit 31. In the transaction method selection screen of FIG. 10, a button B101 for starting a transaction using a cash card (a button labeled “Transaction with card”) and a button B102 for starting a cardless transaction (“Cardless” A button labeled “Transaction”. Here, it is assumed that the button B102 for starting the cardless transaction is pressed by the customer.

  Then, when the cardless transaction is selected by the customer on the transaction method selection screen, the control unit 10 of the ATM 1 causes the customer to select a transaction content (hereinafter referred to as “transaction selection screen”), It is displayed on the operation display unit 31 (S102).

  FIG. 11 is an explanatory diagram showing a configuration example of a transaction selection screen displayed on the screen of the operation display unit 31. As shown in FIG. 11, a button B201 (a button labeled “withdrawal”) for starting a withdrawal transaction withdrawing from the customer's account, and a deposit transaction for depositing (depositing) into the customer's account Button B202 (a button labeled “deposit”) for starting the transaction and a button B203 (a button labeled “balance inquiry”) for starting a balance inquiry transaction for inquiring the balance of the customer's account And are arranged. Here, it is assumed that the button B203 for starting the transaction of balance inquiry is pressed by the customer.

  When the button for starting the balance inquiry is pressed on the transaction method selection screen, the control unit 10 of the ATM 1 prompts the customer to input biometric information (hereinafter referred to as “biometric information input acceptance screen”). Is displayed on the operation display unit 31 (S103).

  FIG. 12 is an explanatory diagram showing a configuration example of a biometric information input acceptance screen displayed on the screen of the operation display unit 31. In the biometric information input acceptance screen of FIG. 12, messages prompting the customer to input biometric information (press the palm against the scanner 321 of the biometric information acquisition unit 32) (in FIG. 12, “read biometric information”, “right side of entire device” And a transaction stop button B301 for accepting the transaction stoppage are arranged. Here, it is assumed that the palm is pressed against the scanner 321 of the biometric information acquisition unit 32 by the customer, and palmprint image data is acquired as the biometric information of the customer by the biometric information acquisition unit 32.

  Next, the control unit 10 of the ATM 1 causes the operation display unit 31 to display a screen (hereinafter referred to as “birth date input acceptance screen”) for allowing the customer to input the date of birth (S104).

  FIG. 13 is an explanatory diagram showing a configuration example of the birth date input acceptance screen displayed on the screen of the operation display unit 31.

  As shown in FIG. 13, the birth date input acceptance screen includes a soft keypad K401 for inputting the date of birth, a transaction stop button B401, and a field F401 for displaying the input date of birth. Has been placed. Also, as shown in FIG. 13, on the date of birth input acceptance screen, correction for correcting the content of the date of birth that has already been input (for example, erasing part or all of the content input in the field F401). Button B402 is arranged. The soft keypad K401 includes “0-9”, “year”, “month”, “day”, and “confirm” buttons (input keys). Here, as an example, it is assumed that the date of birth “January 10, 20th” is input by the customer.

    The date of birth input acceptance screen shown in FIG. 13 is configured to accept the date of birth as a Japanese calendar. In addition, the date of birth input acceptance screen shown in FIG. 13 does not require the input of the original name (Heisei, Showa, etc.) when accepting the date of birth. For example, when the date of birth of the customer is “January 10, 1945”, “2”, “0”, “year”, “0”, “1”, “1”, “ The buttons are pressed in the order of “month”, “1”, “0”, “day”. As described above, the date of birth input acceptance screen shown in FIG. 13 does not ask for the input of the era when accepting the input of the date of birth. Will be entered. In the birth date input acceptance screen shown in FIG. 13, for example, “2008” and “Showa 20” are both entered as “20 years”.

  In addition, a 6-digit number is entered for the date of birth. For example, in the case of August 8, 1996, “0”, “8”, “Year”, “0”, “8”, “Month”, “0”, “8”, “Day” must be specified. Try to enter the tens place.

  In addition, in ATM1 of this embodiment, although demonstrated as what makes a customer input a birth date in a Japanese calendar, you may make it input in a Western calendar. In that case, the DB server 4 side may also store the date of birth of the customer in the Christian era. And the control part 10 of ATM1 displays the screen (refer FIG. 14) showing that it is authenticating on the operation display part 31, and also requests | requires the said customer's biometric authentication to the application server 2 (S105). . In this case, the control unit 10 of the ATM 1 transmits the biometric information acquired from the customer and the date of birth input from the customer to the application server 2 as information accompanying the biometric authentication request.

  When receiving the biometric authentication request from the ATM 1, the application server 2 first transfers the date of birth related to the biometric authentication request to the DB server 4 and searches for an account corresponding to the date of birth. A request is made (S106).

  When receiving the account search request, the DB server 4 detects the account information (including the account number and biometric information identifier) corresponding to the date of birth related to the search request from the account correspondence information storage unit 41. (S107), a response is made to the application server 2 (S108).

  As described above, the date of birth input reception screen (see FIG. 13 described above) indicated by ATM 1 has a configuration that does not require the input of the era when receiving the date of birth. Therefore, in the application server 2, the date of birth is verified by discarding the era part.

  Here, it is assumed that the contents of the account correspondence information storage unit 41 are the contents shown in FIG. Since the date of birth input by the customer is “January 10, 2010”, the DB server 4 uses the account number “0000001” and the biometric identifier “10001” as a candidate for the customer's account. Then, the account with the account number “0000004” and the biometric information identifier “10004” is detected. Then, the DB server 4 returns the information of these two accounts (including at least the account number and the biometric information identifier) to the application server 2. As described above, in the transaction system 1000, the process of searching for (squeezing) candidates for the account of the customer currently using ATM1 is performed using the date of birth as a key.

  And the application server 2 respond | corresponds with the biometric information acquired from the said customer, and the said customer's account candidate with the authentication process request | requirement with respect to the authentication server 5 with respect to the customer who acquired the biometric information. The biometric information identifier (the biometric information identifier included in the search result of the DB server 4) is transmitted to the authentication server 5 (S109).

When the authentication server 5 receives the authentication processing request, the authentication server 5 detects the biometric information corresponding to the biometric information identifier included in the supplied authentication request from the registered authentication information storage unit 51 and compares it with the supplied biometric information. Authentication processing (collation processing) is performed (S110), and the authentication result is returned to the application server 2 (S111).
As described above, here, “10001” and “10004” are transmitted from the application server 2 to the authentication server 5 as biometric information identifiers corresponding to the customer account candidates. Therefore, the authentication server 5 extracts the biometric information BD1 corresponding to the biometric information identifier “10001” and the biometric information BD4 corresponding to the biometric information identifier “10004” from the registered authentication information storage unit 51. And the authentication server 5 performs the process which tries to detect what corresponds to the said customer's biometric information from the extracted biometric information BD1 and BD4, and determines that the authentication has succeeded only when the match can be detected. Then, the authentication server 5 returns a biometric information identifier “10001” that has been successfully authenticated to the application server 2 as an authentication result, together with the fact that authentication has been successful.

  Here, the authentication server 5 performs the following description on the assumption that the biometric information acquired from the customer matches the biometric information BD1. If the authentication server 5 fails to detect the biometric information obtained from the customer, it is determined that the authentication has failed, and the fact is transmitted to the ATM 1 via the application server 2. You may do it. Then, in the case of authentication failure, ATM1 may cancel the cardless transaction with the customer.

  Then, in the application server 2 that has received the authentication result (including the biometric information identifier) indicating that the authentication is successful, the customer account is identified from the customer account candidates based on the biometric information identifier included in the authentication result. (S112).

  In addition, although operation | movement when one customer owns only one account is demonstrated here, one customer may own several accounts. When one customer owns a plurality of accounts, a plurality of matching biometric information identifiers are detected in the process of step S110, and a plurality of accounts of the customer are specified in the above-described step S112.

  Here, as described above, since the biometric information identifier “10001” is included in the authentication result, the application server 2 can identify the account of the customer as the account with the account number “0000001”.

  Then, the application server 2 requests the ATM 1 to confirm the account used for the transaction (confirmation by the customer) (S113). Specifically, the application server 2 transmits the account number specified in step S112 described above to the ATM 1 and requests confirmation of an account (account number or the like) for performing the transaction. When the customer owns a plurality of accounts, the application server 2 transmits the specified plurality of account numbers to the ATM 1 and requests confirmation of an account (account number or the like) for transaction.

  When a request for confirmation of an account used for a transaction (including information on an account number) is notified from the application server 2, the control unit 10 of the ATM 1 makes a screen for allowing a customer to confirm an account used for the transaction (hereinafter, “ (Referred to as “account confirmation screen”) is displayed on the operation display unit 31 (S114).

  FIG. 15 is an explanatory diagram showing a configuration example of an account confirmation screen displayed on the screen of the operation display unit 31.

  As shown in FIG. 15, on the account confirmation screen, a button corresponding to each account (account number) is arranged, and the control unit 10 of the ATM 1 determines that the account (account number) corresponding to the pressed button is the customer. Treated as an account confirmed (selected) by.

  FIG. 15 shows, as an example, a state where a button B501 corresponding to one account (a button displayed as “account number: 0000001”) is arranged. Here, it is assumed that the button B501 displaying “Account No. 0000001” is pressed on the account selection acceptance screen of FIG. If the customer has a plurality of accounts, buttons corresponding to each of the plurality of accounts are arranged on this screen.

  Then, the control unit 10 of the ATM 1 returns a confirmation result by the customer (including the account number confirmed on the account confirmation screen) to the application server 2 (S115).

  Then, the control unit 10 of the ATM 1 displays on the operation display unit 31 a screen for requesting the customer to input a password corresponding to the account (hereinafter referred to as “password input acceptance screen”). (S116).

  FIG. 16 is an explanatory diagram showing a configuration example of a screen displayed on the operation display unit 31 by the control unit 10 of the ATM 1 when receiving an input of a personal identification number from a customer. As shown in FIG. 16, on the personal identification number input acceptance screen, a soft keypad K601 for inputting a personal identification number, a transaction stop button B601, and a field F601 for displaying the number of digits of the personal identification number entered. Has been placed. The soft keypad K601 includes “0-9” and “OK” buttons (input keys). In addition, as shown in FIG. 16, a correction button B602 for correcting an already input number (for example, erasing a part or all of the already input number) is arranged on the password input acceptance screen. .

  When the personal identification number is input, the control unit 10 of the ATM 1 starts a customer monitoring process (details will be described later) by the proximity sensor 70 (S117), and further transmits the input personal identification number to the application server 2. Then, an authentication request with a personal identification number is made (S118).

  When the application server 2 receives an authentication request using a personal identification number from the ATM 1, the application server 2 transmits an authentication request (authentication request using the personal identification number) for performing the transaction for the account of the account number used for the current transaction to the host computer 3. (S119).

  Then, the host computer 3 performs authentication processing (collation processing with a personal identification number corresponding to the stored account number) based on the account number and personal identification number included in the authentication request received from the application server 2. . Then, the host computer 3 returns an authentication result to the ATM 1 via the application server 2 (S120). Here, it is assumed that the authentication process (authentication process using a personal identification number) by the host computer 3 is successful.

  When the authentication result that the authentication process using the personal identification number is successful is obtained, the control unit 10 of the ATM 1 makes a transaction process request (request for transaction process for balance inquiry) to the host computer 3 via the application server 2. (S121).

  The host computer 3 that has received the request for transaction processing (balance inquiry) performs transaction processing based on the request, and returns the processing result to the ATM 1 via the application server 2 (S122). Here, it is assumed that the transaction processing (balance inquiry transaction processing) by the host computer 3 is successful and the balance of the account is notified to the ATM 1.

  And the control part 10 of ATM1 displays on the operation display part 31 the screen (henceforth a "balance display screen") for displaying the notified balance of the said account (S123).

  FIG. 17 is an explanatory diagram showing a configuration example of the balance display screen. As shown in FIG. 17, in the balance display screen, a field F701 for displaying account information (account number and the like) related to balance inquiry and a field F702 for displaying the balance of the account are arranged. . In addition, on the balance display screen shown in FIG. 17, a button that can shift from the balance inquiry to another transaction (withdrawal transaction or deposit transaction in FIG. 17) and the operation is terminated without shifting to the other transaction. Button B703 (a button displaying "END") is arranged. In the balance display screen of FIG. 17, as a button that can be transferred from the balance inquiry to another transaction, a button B 701 (a button labeled “withdrawal”) that can be transferred to a withdrawal transaction, and a transfer to a deposit transaction. A button B702 (a button labeled “deposit”) that can be used is arranged. In this example, it is assumed that the customer presses a button B701 that can shift to a withdrawal transaction on the balance display screen.

  And the control part 10 of ATM1 transfers to the process of the withdrawal transaction of the said account, and first, the screen (henceforth "withdrawal amount input acceptance screen" with which a customer inputs a withdrawal amount (transaction amount)) and Is displayed on the operation display unit 31 (S124).

  FIG. 18 shows a configuration example of a screen (hereinafter referred to as “withdrawal amount input acceptance screen”) displayed on the operation display unit 31 by the control unit 10 of the ATM 1 when receiving an input of the withdrawal amount from the customer. It is explanatory drawing. As shown in FIG. 18, in the withdrawal amount input acceptance screen, a soft keypad K801 for inputting the withdrawal amount, a transaction stop button B801, and a field F801 for displaying the entered withdrawal amount are displayed. Has been placed. The soft keypad K801 includes “0-9” and “OK” buttons (input keys). Further, as shown in FIG. 18, the withdrawal amount input acceptance screen includes a correction button B802 for correcting the amount already input (for example, erasing part or all of the content input in the field F801). Has been.

  When the withdrawal amount is input, the control unit 10 of the ATM 1 makes a transaction processing request (request for the transaction processing of the withdrawal transaction) to the host computer 3 via the application server 2 (S125).

  The host computer 3 that has received the transaction processing request performs the transaction processing based on the request, and returns the processing result to the ATM 1 via the application server 2 (S126). Here, it is assumed that transaction processing (withdrawal transaction processing) by the host computer 3 is successful.

  And if the processing result of transaction processing success is obtained, the control part 10 of ATM1 will discharge | emit the cash accompanying the said withdrawal transaction from the cash processing part 60, and also will discharge | emit the slip which printed the transaction content with the printer 50. The transaction process is terminated (S127).

  When the withdrawal transaction (the last transaction in the continuous transaction) ends, the control unit 10 of the ATM 1 ends the customer monitoring process (details will be described later) by the proximity sensor 70 (S128), and displays the transaction selection screen. It is displayed on the unit 31 and the next transaction can be accepted (S129).

  Next, details of the customer monitoring process that is performed while the cardless transaction is performed at the ATM 1 will be described.

  The control unit 10 of the ATM 1 performs customer monitoring processing using the proximity sensor 70 until the transaction ends (between the above-described steps S117 to S128) after the PIN is input, and the customer is in the vicinity of the ATM 1 When it is confirmed that the user has left, the transaction is canceled.

  Specifically, the control unit 10 of the ATM 1 performs the transaction processing in the flowchart of FIG. 9 in parallel with the transaction process from the input of the password to the end of the transaction (between the steps S117 to S128 described above). Process.

  When the control unit 10 of the ATM 1 starts the customer monitoring process, the proximity sensor 70 performs a process of detecting the presence or absence of a nearby customer (S201), and confirms the detection result (S202). Then, when it is confirmed (detected) that there is a customer in the vicinity, the control unit 10 of the ATM 1 returns to the processing of the above-described step S201 and again detects the presence or absence of the peripheral customer by the proximity sensor 70. Process. Further, when it is confirmed that there is no customer in the vicinity, the control unit 10 of the ATM 1 determines that the customer has left the vicinity of the ATM 1 in the middle of the transaction, and performs a process of canceling the transaction (S203). . In this case, the control unit 10 of the ATM 1 stops the transaction process (the process shown in the sequence diagrams of FIGS. 6 to 8) that has been continued, and further displays an initial screen (transaction method selection screen) as an operation display unit. 31 to display a state where the next transaction can be accepted.

(A-2-2) Operation with Transaction with Card FIGS. 19 and 20 are sequence diagrams showing operations (including the operation of ATM1) when a transaction with a card is performed in the transaction system 1000. FIG. FIGS. 19 and 20 show an example in which a withdrawal transaction is continuously performed from the balance inquiry.

  First, from the transaction method selection screen (see FIG. 10 described above) for selecting a transaction method (transaction using a cash card or cardless transaction) displayed on the operation display unit 31 of the ATM 1 It is assumed that there is a selected transaction (S301).

  When a transaction with a card is selected by the customer on the transaction method selection screen, the control unit 10 of the ATM 1 displays a transaction selection screen (see FIG. 11 described above) for allowing the customer to select transaction details. This is displayed on the unit 31.

  When the button for starting the balance inquiry is pressed on the transaction method selection screen, the control unit 10 of the ATM 1 prompts the customer to insert a cash card (hereinafter referred to as “card insertion request screen”). Is displayed on the operation display unit 31 (S303).

  FIG. 22 is an explanatory diagram showing a configuration example of a card insertion request screen displayed on the screen of the operation display unit 31. In the card insertion request screen of FIG. 22, a message prompting the customer to insert a cash card (a message “Please insert a cash card” in FIG. 12) and a transaction stop button B901 for accepting a transaction stop are arranged. ing. Here, it is assumed that a cash card is inserted into the card reader 40 by a customer, and data (including at least an account number) recorded on the cash card is read.

  Then, when the cash card is inserted and the data is read, the control unit 10 of the ATM 1 asks the customer to input the personal identification number corresponding to the account, and the personal identification number input acceptance screen (see FIG. 16 described above). Is displayed on the operation display unit 31 (S304).

  When the password is input, the control unit 10 of the ATM 1 performs customer monitoring processing based on a time during which the operation display unit 31 is not continuously operated (hereinafter referred to as “no operation time”) ( Details will be described later (S305).

  Then, the control unit 10 of the ATM 1 transmits the account number read from the cash card and the input personal identification number to the application server 2 and makes an authentication request using the personal identification number (S306).

  When the application server 2 receives the authentication request using the personal identification number from the ATM 1, the application server 2 transmits an authentication request (authentication request using the personal identification number) for performing the transaction for the account number of the account to the host computer 3 (S307). .

  Then, the host computer 3 performs authentication processing (collation processing with a personal identification number corresponding to the stored account number) based on the account number and personal identification number included in the authentication request received from the application server 2. . Then, the host computer 3 returns an authentication result to the ATM 1 via the application server 2 (S308). Here, it is assumed that the authentication process (authentication process using a personal identification number) by the host computer 3 is successful.

  When the authentication result that the authentication process using the personal identification number is successful is obtained, the control unit 10 of the ATM 1 makes a transaction process request (request for transaction process for balance inquiry) to the host computer 3 via the application server 2. (S309).

  The host computer 3 that has received the transaction processing request performs transaction processing based on the request, and returns the processing result to the ATM 1 via the application server 2 (S310). Here, it is assumed that the transaction processing (balance inquiry transaction processing) by the host computer 3 is successful and the balance of the account is notified to the ATM 1.

  And the control part 10 of ATM1 displays on the operation display part 31 the balance display screen (refer FIG. 17 mentioned above) for displaying the notified balance of the said account (S311). In this example, it is assumed that the customer presses a button B701 that can shift to a withdrawal transaction on the balance display screen.

  And the control part 10 of ATM1 transfers to the process of the withdrawal transaction of the said account, and, first, the withdrawal amount input reception screen for making a customer input withdrawal amount (transaction amount) (refer above-mentioned FIG. 18). Is displayed on the operation display unit 31 (S312).

  When the withdrawal amount is input on the withdrawal amount input acceptance screen, the control unit 10 of the ATM 1 requests the host computer 3 via the application server 2 for a transaction process (request for the transaction process of the withdrawal transaction). (S313).

  The host computer 3 that has received the transaction processing request performs the transaction processing based on the request, and returns the processing result to the ATM 1 via the application server 2 (S314). Here, it is assumed that transaction processing (withdrawal transaction processing) by the host computer 3 is successful.

  And if the processing result of transaction processing success is obtained, the control part 10 of ATM1 will discharge | emit the cash accompanying the said withdrawal transaction from the cash processing part 60, and also will discharge | emit the slip which printed the transaction content with the printer 50. The transaction process is terminated (S315).

  When the withdrawal transaction is finished, the control unit 10 of the ATM 1 finishes the customer monitoring process (details will be described later) based on the no-operation time (S316), displays the transaction selection screen on the operation display unit 31, and The transaction is accepted (S317).

  Next, details of the customer monitoring process that is performed while a transaction with a card is performed at ATM 1 will be described.

  As described above, the control unit 10 of the ATM 1 performs the customer monitoring process based on the no-operation time for the ATM 1 until the transaction is ended after the password is input (between the above steps S305 to S316). When it is confirmed that the customer has left the vicinity of ATM1, processing for canceling the transaction is performed.

  Specifically, the control unit 10 of the ATM 1 performs the transaction processing in the flowchart of FIG. 21 in parallel with the transaction process from the input of the password to the end of the transaction (between the above-described steps S305 to S315). Process.

  When the control unit 10 of the ATM 1 starts the customer monitoring process, the ATM 1 starts monitoring the no-operation time for the ATM 1 (S401).

  Then, the control unit 10 of the ATM 1 checks whether or not the no-operation time is less than the timeout time (hereinafter referred to as “no-operation timeout time”) (S402).

  And when the control part 10 of ATM1 confirms that the no-operation time under monitoring is less than the no-operation timeout time, the said customer considers that the transaction is continuing, and monitors the no-operation time by step S402. continue. On the other hand, when it is confirmed that the no-operation time being monitored is equal to or longer than the no-operation timeout time, the control unit 10 of the ATM 1 determines that the customer has left the vicinity of the ATM 1 during the transaction. Then, processing for canceling the transaction is performed (S403). In this case, the control unit 10 of the ATM 1 stops the transaction process (the process shown in the sequence diagrams of FIGS. 19 to 20) that has been continued until then, and further displays an initial screen (transaction method selection screen) as the operation display unit. 31 to display a state where the next transaction can be accepted.

  In the following, the “no-operation time” means, for example, that the ATM 1 makes a request for any operation (for example, information input, card insertion, cash-in operation, etc.) to the customer after the customer makes a request for a predetermined time. The time when no operation is performed shall be called. In the control part 10 of ATM1, you may make it time-measure the non-operation time as follows, for example. For example, in the case of a personal identification number input screen, the control unit 10 of the ATM 1 starts to display the screen and then starts measuring the no-operation time, and any operation key (button) for the operation display unit 31 is pressed. Repeat the process of initializing the no-operation time during time counting (initializing the time during time counting to 0). As described above, the control unit 10 of the ATM 1 measures the non-operation time every time the screen switching of the operation display unit 31 occurs. In this embodiment, the control unit 10 of the ATM 1 performs a process of monitoring whether or not the no-operation time exceeds the no-operation timeout time by counting the no-operation time by the process as described above, for example. And

  The length of the no-operation timeout time applied in the transaction with a card is not limited, but may be, for example, about 60 seconds.

(A-3) Effects of First Embodiment According to the first embodiment, the following effects can be achieved.

  In ATM1, while performing a cardless transaction with a customer, a customer monitoring process using the proximity sensor 70 is performed, and if the customer cannot be detected by the proximity sensor 70, a process for canceling the transaction is performed. Yes. Thereby, in ATM1 of 1st Embodiment, even if it is a case where a customer leaves ATM1 while performing cardless transaction, it is detected by the proximity sensor 70 immediately, and transaction is detected. Can be used to prevent spoofing by a third party. Thus, in ATM1 of 1st Embodiment, the safety | security of transaction can be improved, respond | corresponding to cardless transaction.

Moreover, in ATM1 of 1st Embodiment, the system of the customer monitoring (detection) performed by a customer monitoring process is switched according to a transaction system (cardless transaction or transaction with a card | curd). Specifically, in the ATM 1 of the first embodiment, the customer is monitored based on the detection status of the proximity sensor 70 in the case of a cardless transaction, and the customer is monitored based on the no-operation time in the case of a transaction with a card. ing.
(B) Second Embodiment Hereinafter, a second embodiment of the transaction apparatus and program according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

  In ATM 1 of the first embodiment, it is possible to shift from balance inquiry to other transactions (withdrawal transactions) and perform continuous transactions. And in ATM1 of 1st Embodiment, when a continuous transaction is performed, the input of authentication information (a PIN number, biometric information, etc.) is requested | required only by the first transaction, and authentication information is required for the second and subsequent transactions. The input of is omitted.

  On the other hand, in ATM1 of 2nd Embodiment, when the continuous transaction is performed by cardless transaction, it becomes the structure which requires the input of the re-authentication information for performing re-authentication for every transaction. The re-authentication information includes some or all items of information (birth date, biometric information, and personal identification number) used in the first authentication. In the ATM 1 of the second embodiment, for example, it is assumed that the user is requested to input a personal identification number as re-authentication information.

  For example, in the process of the sequence diagram shown in FIG. 8, the control unit 10 of the ATM 1 of the second embodiment repeats the password between the balance display screen in step S123 and the withdrawal amount input acceptance screen in step S124. It is also possible to perform processing for displaying a personal identification number input acceptance screen (same screen as in FIG. 16 described above) for requesting the input of. And the control part 10 of ATM1 of 2nd Embodiment hold | maintains the PIN number input by the first transaction (transaction of balance inquiry in above-mentioned FIG. 8), and uses it for a re-authentication process. To do. The control unit 10 of the ATM 1 according to the second embodiment may request the external system to perform the authentication process for the re-authentication process, but the load on the external system can be reduced by completing the re-authentication process inside the ATM 1. In addition, the processing time of the re-authentication process can be shortened.

  As described above, in the ATM 1 of the second embodiment, when a continuous transaction is performed by a cardless transaction, the second and subsequent transactions are requested for re-authentication information (customer input in the first authentication process). The user is requested to input authentication information (part or all of the authentication information), and re-authentication processing (collation processing with the authentication information input to the customer in the first authentication processing) is performed. Thereby, in ATM1 of 2nd Embodiment, it is the operation screen structure (for example, the operation screen structure which can transfer to a withdrawal transaction from a balance inquiry display screen) which can perform a continuous transaction by cardless transaction. However, impersonation by a third party can be suppressed. In particular, in ATM1, even if the customer leaves the ATM1 while the balance inquiry display screen is displayed, and the proximity sensor 70 cannot detect that the customer has left, impersonation by a third party is suppressed. can do.

(C) Third Embodiment Hereinafter, a third embodiment of the transaction apparatus and the program according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

  In the first embodiment, the customer monitoring process is performed using the proximity sensor 70. However, when the proximity sensor 70 cannot be used (for example, when the proximity sensor 70 fails), the customer monitoring process is performed by another method. Processing may be performed. In ATM1, the method for determining whether or not the proximity sensor 70 can be used is not limited. For example, the determination may be made by a self-diagnosis function at startup or a hardware monitoring function after startup. . In addition, in ATM1, about the structure which implement | achieves a self-diagnosis function and a hardware monitoring function, the structure similar to the existing ATM is applicable, for example.

  Specifically, in the ATM 1 of the third embodiment, when the proximity sensor 70 cannot be used, the customer monitoring process is performed using the no-operation time for the cardless transaction.

  In the control part 10 of ATM1 of 3rd Embodiment, the no-operation timeout time (henceforth "the 2nd no-operation timeout time") used by cardless transaction is the timeout time (henceforth a card-less transaction). , Also referred to as “first no-operation timeout time”). For example, in the control part 10 of ATM1 of 3rd Embodiment, the 1st no-operation timeout time set by transaction with card | curd shall be 60 second, and the 2nd no-operation timeout time set by cardless transaction shall be 30 second. Also good.

  Moreover, in ATM1 of 3rd Embodiment, when a no-operation time becomes more than a 2nd no-operation timeout time by the customer monitoring process of a cardless transaction, a transaction is once interrupted without stopping a transaction immediately. The re-authentication information input request and re-authentication processing are performed. In the third embodiment, as information to be applied as re-authentication information, as in the second embodiment, a part of the information (birth date, biometric information, and password) used in the first authentication or All items need only be included. Below, ATM1 of 3rd Embodiment demonstrates as what requests | requires the input of a birth date or biometric information from a customer as re-authentication information.

  Next, details of the customer monitoring process performed by the control unit 10 of the ATM 1 in the third embodiment will be described with reference to the flowchart of FIG.

  The control part 10 of ATM1 of 3rd Embodiment will start the monitoring of the no-operation time with respect to the said ATM1, if a customer monitoring process is started in the case of cardless transaction (S501).

  And the control part 10 of ATM1 confirms whether a no-operation time is less than 2nd timeout time (time shorter than 1st no-operation timeout time) (S502).

Then, when the control unit 10 of the ATM 1 confirms that the non-operation time being monitored is less than the second non-operation time-out time, the customer is regarded as continuing the transaction, and the non-operation time is determined in step S501. Continue monitoring. On the other hand, when it is confirmed that the no-operation time being monitored is equal to or longer than the second no-operation timeout time, the control unit 10 of the ATM 1 makes an input request for re-authentication information (S503).
When the date of birth is applied as the re-authentication information, the control unit 10 of the ATM 1 displays the date of birth input acceptance screen (see FIG. 13 above) and accepts the date of birth from the customer. And When biometric information is applied as re-authentication information, the control unit 10 of the ATM 1 displays a biometric information input acceptance screen (see FIG. 11 described above) and accepts input of biometric information from the customer. It may be.

  And the control part 10 of ATM1 performs a re-authentication process, and determines a subsequent process according to the authentication result (S504). When receiving the re-authentication information input, the control unit 10 of the ATM 1 performs re-authentication processing using the re-authentication information. If the authentication is successful, the screen returns to the screen before requesting the input of re-authentication information, and the non-operation time is continuously monitored in step S501. On the other hand, when the re-authentication fails (a case where a predetermined time has elapsed since the start of the input request for re-authentication information may be included), the control unit 10 of the ATM 1 determines that the customer has left the ATM 1. Then, transaction cancellation processing (S505) is performed.

  In the third embodiment, the control unit 10 of the ATM 1 holds the authentication information input in the first authentication process, and collates with the held authentication information in the re-authentication process. However, similarly to the case of the second embodiment, the control unit 10 of the ATM 1 of the third embodiment may request an external system for the authentication process.

  As described above, in the ATM 1 of the third embodiment, even if the proximity sensor 70 cannot be used, whether or not the customer has left the ATM 1 using the no-operation time or the re-authentication process. Monitoring (customer monitoring processing) can be performed to suppress spoofing by a third party.

  In addition, in ATM1 of the third embodiment, in the case of cardless transaction, a shorter no-operation timeout time is applied than in the case of card-equipped transactions. Without re-authentication. As a result, in the ATM 1 of the third embodiment, even if the customer simply takes time to operate the screen, the transaction is not immediately stopped, and the decrease in the convenience of the customer due to the shortening of the no-operation timeout time is suppressed. doing.

(D) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

(D-1) In each of the above embodiments, an example in which the transaction apparatus of the present invention is applied to ATM has been described. However, the transaction apparatus may be applied to other transaction apparatuses. For example, the present invention can be applied to a system for performing a transaction in which electronic money or the like is charged (deposited) into a customer's account or a transaction in which electronic money is withdrawn from the customer's account and a product (for example, a ticket for transportation, etc.) is sold. .

(D-2) The ATM in each of the above embodiments supports both cardless transactions and transactions using cash cards, but may be constructed as an ATM that supports only cardless transactions.

(D-3) When a cardless transaction is performed in the transaction system 1000 of each of the above embodiments, the customer's account date was used to extract the customer's account candidates. You may make it extract the candidate of the said customer's account using information. In transaction system 1000, for example, the candidate of the customer's account is extracted by using an individual identifier (hereinafter referred to as "individual ID") assigned to each account, instead of the date of birth, or an account number situation. You may do it. This individual ID is an identifier different from the account number allocated for each account. The individual ID may be any content that is easy for a customer to remember, but the individual ID is preferably unique for each account. In addition, it is desirable that the individual ID has a format that is easier for the customer to remember than the account number itself, such as a digit less than the account number.

  1000 ... Trading system, 1 ... ATM, 2 ... Application server, 3 ... Host computer, 4 ... DB server, 41 ... Account correspondence information storage unit, 5 ... Authentication server, 51 ... Registration authentication information storage unit, 10 ... Control unit, DESCRIPTION OF SYMBOLS 110 ... Transaction processing part, 120 ... Communication part, 20 ... Data storage part, 30 ... User interface part, 31 ... Operation display part, 32 ... Biometric information acquisition part, 321 ... Scanner, 33 ... Speaker, 40 ... Card reader, 50 ... printer, 60 ... cash processing unit, proximity sensor ... 70, N ... network.

Claims (15)

In a transaction device that conducts transactions with users,
Corresponding to medium-use transactions in which transactions with the above-mentioned users are performed using a medium on which information on transactions is recorded, and medium-free transactions in which transactions with the above-mentioned users are performed without using media on which information about transactions are recorded Transaction processing means
A transaction control means for switching a monitoring method for monitoring the user in accordance with a transaction method of medium use transaction or medium non-use transaction. A user detection means capable of detecting by using a sensor whether or not the user exists in the vicinity of the transaction apparatus;
Operation accepting means capable of accepting operations related to transactions from the user;
A non-operation timing means capable of timing a non-operation time during which no operation is continuously performed on the operation reception means,
When the transaction processing means is performing a medium non-use transaction, the transaction control means monitors the user by switching the monitoring method to the user detection means, and the transaction processing means performs a medium use transaction. The transaction apparatus according to claim 1, wherein the user is monitored by switching the monitoring method to the non-operation timing unit. In a transaction device that conducts transactions with users,
A transaction processing means capable of performing a transaction with the user without using a medium in which information related to the transaction is recorded;
While the transaction processing means is performing a transaction with the user, a user detection means capable of detecting by using a sensor whether or not the user exists around the transaction apparatus;
Transaction control means for performing control to stop the transaction by the transaction processing means when the user cannot be detected by the user detection means while making a transaction with the user without using the medium. A transaction apparatus characterized by. Operation accepting means capable of accepting operations related to transactions from the user;
The transaction processing means further includes a non-operation timing means capable of timing a non-operation time during which no operation is continuously performed on the operation reception means while performing a transaction with the user. ,
Control for canceling the transaction by the transaction processing means when the time measured by the non-operation time measuring means is equal to or longer than the first time-out period while performing the transaction with the user using the medium. The transaction apparatus according to claim 3, wherein:   5. The transaction apparatus according to claim 3, wherein the transaction processing unit performs authentication processing by requesting input of authentication information from the user when performing a transaction with the user.   6. The transaction processing means according to claim 5, wherein when performing a plurality of transactions in succession using the user and the medium, the authentication processing can be omitted for the second and subsequent transactions. The transaction device described.   When the transaction processing means performs a plurality of transactions continuously without using the user and the medium, when performing the second and subsequent transactions, a part of the authentication information requested for input in the first authentication process or 7. The transaction apparatus according to claim 6, wherein the transaction is executed only when re-authentication processing is performed by requesting input from the user for all, and re-authentication is successful.   The transaction processing means performs authentication processing by requesting input of authentication information from the user when performing a transaction with the user, and when the user detection means cannot be used, the no operation during the transaction with the user. When the time counted by the time measuring means is equal to or longer than the second timeout time, the user is requested to input part or all of the authentication information requested to be input in the first authentication process, and the re-authentication process is performed. The transaction apparatus according to claim 4, wherein the transaction with the user is continued only when re-authentication is successful.   The transaction apparatus according to claim 8, wherein the second timeout period is shorter than the first timeout period.   The said transaction control means performs the control which stops the transaction by the said transaction processing means, when it detects that the said user has left | separated from the circumference | surroundings of the said transaction apparatus at the time of the said medium non-use transaction. The transaction apparatus according to 1 or 2. A computer installed in a transaction device that performs transactions with users,
Corresponding to medium-use transactions in which transactions with the above-mentioned users are performed using a medium on which information on transactions is recorded, and medium-free transactions in which transactions with the above-mentioned users are performed without using media on which information about transactions are recorded Transaction processing means
A transaction program which functions as a transaction control means for switching a monitoring method for monitoring the user according to a transaction method of a medium use transaction or a medium non-use transaction.   The said transaction control means performs the control which stops the transaction by the said transaction processing means, when it detects that the said user has left | separated from the circumference | surroundings of the said transaction apparatus at the time of the said medium non-use transaction. 11. The transaction program according to 11. A computer installed in a transaction device that performs transactions with users,
A transaction processing means capable of performing a transaction with the user without using a medium in which information related to the transaction is recorded;
While the transaction processing means is performing a transaction with the user, a user detection means capable of detecting by using a sensor whether or not the user exists around the transaction apparatus;
Functions as transaction control means for controlling the transaction processing means to stop the transaction when the user cannot be detected by the user detection means while making a transaction with the user without using the medium. A trading program characterized by letting In a transaction device that conducts transactions with users,
Transactions corresponding to card-use transactions in which a card is inserted into the card insertion / ejection slot and transactions are made with the above-mentioned user, and card non-use transactions in which transactions are made with the above-mentioned user without inserting a card into the card insertion / extraction slot Processing means;
A transaction apparatus comprising: transaction control means for monitoring the user by a first monitoring method when the card is not used and for monitoring the user by a second monitoring method when the card is used. In a transaction device that conducts transactions with users,
Transaction processing means corresponding to at least a card non-use transaction in which a transaction with the user is performed without inserting a card into the card insertion / extraction port;
A user detection means capable of detecting by using a sensor whether or not the user exists in the vicinity of the transaction apparatus;
A transaction apparatus comprising: transaction control means for monitoring the user by the user detection means at the time of card non-use transaction.

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