JP7603415B2 - Linkage program, linkage method, and linkage device - Google Patents

Description

Patent Law Article 30, Paragraph 2 applied Tablet solution provided: Fujitsu https://pr. fujitsu. com/jp/news/2020/10/14. html Tablet solution provided: BCSOL http://www. bcsol. co. jp/img/news/[Japanese] Mizuho Bank press release draft (storefront tablets). pdf

This disclosure relates to a linking program, a linking method, and a linking device.

For security reasons, financial institutions set limits on the amount of deposits and withdrawals that can be made at Automatic Teller Machines (ATMs). If a customer wishes to make a transaction that exceeds the limit, the customer may be required to complete a procedure at the financial institution's counter.

JP 2015-108889 A

However, when a customer makes a deposit or withdrawal procedure at a counter, the financial institution's counter staff must deal with each customer individually. This increases the time that the counter staff is required to spend and reduces the work efficiency of deposit and withdrawal operations.

This application was made in light of the above, and aims to improve the efficiency of deposit and withdrawal operations.

The linkage program according to an embodiment of the present disclosure causes a computer to execute a process that displays an input screen for accepting transaction details for a deposit/withdrawal business, accepts input of the transaction details, acquires identity verification documents verifying the user requesting the deposit/withdrawal business transaction, generates a two-dimensional code using the transaction details and the identity verification documents that expresses the details required when a business device executes the deposit/withdrawal business, and allows the generated two-dimensional code to be output.

According to one aspect of the embodiment, it is possible to improve the efficiency of deposit and withdrawal operations.

FIG. 1 is a diagram illustrating an example of a linkage system according to an embodiment. FIG. 2 is an explanatory diagram illustrating an example of a linking process in cooperation with an ATM according to an exemplary embodiment of the present disclosure. FIG. 3 is a diagram illustrating an example of a functional configuration of the terminal device according to the embodiment. FIG. 4 is an explanatory diagram showing an example of an output process for outputting a QR code (registered trademark) used in cooperation with an ATM. FIG. 5 is an explanatory diagram showing an example of a screen of an ATM that has read a QR code. FIG. 6 is a flowchart showing an example of a process for linking with an ATM, which is executed by the terminal device according to the embodiment. FIG. 7 is an explanatory diagram showing an example of a linkage process in cooperation with a cash dispenser. FIG. 8 is an explanatory diagram showing an example of an acquisition process for acquiring user information. FIG. 9 is a diagram illustrating an example of a hardware configuration.

Embodiments of the present disclosure will be described in detail below with reference to the drawings. Note that the present invention is not limited to these embodiments. Details of one or more embodiments are described in the following description and drawings. In addition, multiple embodiments can be appropriately combined as long as the processing content is not contradictory. In addition, the same parts in the following one or more embodiments will be given the same reference numerals, and duplicate explanations will be omitted.

[1. Configuration of the Collaborative System]
First, the configuration of a linkage system according to an embodiment will be described with reference to FIG.

Figure 1 is a diagram showing an example of a linkage system 1 according to an embodiment. The linkage system 1 is realized as an environment within a bank branch. As shown in Figure 1, the linkage system 1 includes a terminal device 100, an ATM 200, and multiple bank employee terminals 300.

The terminal device 100 is an information processing device used by a customer who visits a bank branch. The terminal device 100 may be any type of information processing device, including a client device such as a tablet PC (Personal Computer) or a notebook PC. In the example of FIG. 1, the terminal device 100 is a tablet PC distributed to the branch. As shown in FIG. 1, a customer who visits the branch receives the terminal device 100 and inputs various application details into the terminal device 100. Although not shown in FIG. 1, the linkage system 1 may include multiple terminal devices 100.

ATM 200 is an automatic teller machine (ATM) installed in a branch office. ATMs are also called self-service machines. ATM 200 is a business device that allows customers to make deposits and withdrawals by themselves. Although not shown in FIG. 1, linked system 1 may include multiple ATMs 200.

The clerk terminal 300 is a branch office terminal used by bank employees (hereafter referred to as "clerks"). The clerk terminal 300 is linked to various devices within the branch office. Although not shown in FIG. 1, the clerk terminal 300 is linked to a cash machine installed next to the clerk terminal 300 and a printer installed within the branch office. The cash machine is a device that counts cash. The printer prints the processing results of the clerk terminal 300 on paper forms.

Although not shown in FIG. 1, the linked system 1 may also include equipment such as a number ticket acceptance machine, a concierge counter, and an open teller machine.

2. Exemplary Embodiments
An exemplary embodiment of the present disclosure will now be described in detail with reference to FIG.

2-1. Overview of Exemplary Embodiments
For security reasons, banks set limits on the amount of money that can be deposited and withdrawn from ATMs. The limits on the amount of money that can be deposited and withdrawn from ATMs are determined by each financial institution. If a bank customer wishes to make a transaction that exceeds the limit, they must complete the procedure at the bank counter.

For example, from the perspective of preventing transfer fraud, assume that a certain bank's ATM deposit and withdrawal limit is set at 300,000 yen. In this example, if a customer wants to make a deposit or withdrawal of more than 300,000 yen, the customer must bring 300,000 yen in cash to the counter, and a bank employee must handle the cash directly at the counter.

As an example for the purposes of explanation, let us assume that a customer visits the branch office in Figure 1 to deposit 1 million yen. In this case, the current transaction flow is as follows:

First, a customer who visits a branch issues a reception number at the reception machine and receives a terminal device 100 at the concierge counter. The customer then inputs the details of the application into the terminal device 100. After inputting the details of the application, the customer hands the terminal device 100 to a bank clerk.

Next, the bank clerk who has received the terminal device 100 moves to a printer in the branch. This printer is linked to the terminal device 100, and outputs a piece of paper on which a QR code (registered trademark) recording the application details entered into the terminal device 100 is printed. The bank clerk then takes the paper and moves to the counter together with the customer.

Then, the bank clerk uses a QR code reader on the bank clerk terminal 300 to read the QR code from the printed paper. The bank clerk then receives 1 million yen in cash from the customer and processes this cash in a cash machine installed next to the bank clerk terminal 300. The bank clerk then uses the bank clerk terminal 300 to perform the deposit process. After the deposit process is completed, a document is printed out from a printer linked to the bank clerk terminal 300. The printed document is stored for a long period of time.

However, in the current transaction flow described above, a bank employee must read the QR code and perform the deposit transaction using the bank employee terminal 300. Furthermore, the bank employee must actually handle the cash at the counter. That is, the bank employee must receive the cash directly from the customer and check the amount of cash at the cash machine. Thus, in the current transaction, the bank employee performs a series of tasks: reading the QR code, accepting the cash, processing the deposit, and printing out the form. This series of tasks is causing the bank employee to spend longer hours at work. The longer the bank employee spends at work, the more congestion there is at the counter, which results in longer waiting times.

Therefore, the terminal device 100 according to the exemplary embodiment executes the collaboration process described below to improve the work efficiency of bank employees.

Specifically, in the branch office of FIG. 1, the terminal device 100 accepts from the customer an image of the customer's identity verification document in addition to deposit and withdrawal information, and generates a QR code from the deposit and withdrawal information. The terminal device 100 then allows the ATM 200 to read the generated QR code. This allows the customer to deposit and withdraw money at the ATM 200 up to the deposit and withdrawal limit without the series of steps by the bank employee described above.

As a result, the terminal device 100 can reduce the workload of bank staff when a customer makes a transaction that exceeds the deposit/withdrawal limit. In addition, because the time that bank staff are required to work is reduced, the terminal device 100 can also reduce the waiting time for customers at the branch.

2-2. Collaborative Processing
In the following, the cooperation process according to the exemplary embodiment will be described with reference to FIG.

FIG. 2 is an explanatory diagram showing an example of a linking process with an ATM according to an exemplary embodiment of the present disclosure. In the example of FIG. 2, a customer 10 visits a branch to make a deposit above the deposit limit. In this example, the terminal device 100 performs a linking process with the ATM 200 so that a bank employee does not have to perform the above-mentioned series of tasks of reading a QR code, accepting cash, processing the deposit, and printing a document.

As shown in FIG. 2, first, the customer 10 receives the terminal device 100 and inputs transaction information into the terminal device 100 (step S1). As in the case of a current transaction, for example, the customer 10 receives the terminal device 100 at a concierge counter and inputs deposit information into the terminal device 100 in the lobby of the business office.

Then, the terminal device 100 acquires the customer 10's identification document (step S2). In the example of FIG. 2, the terminal device 100 acquires an image of the customer 10's driver's license as the identification document. The terminal device 100 may also acquire an image of the customer's passport or health insurance card as the identification document. The contents of the identification document are checked and approved by a bank employee.

Next, the terminal device 100 generates a QR code that records the input transaction information (step S3). As shown in FIG. 2, the generated QR code is displayed on the terminal device 100 together with information about the transaction details and the customer's personal documents, and a message saying "Please read the QR code at the ATM."

Then, the customer 10 moves to the ATM 200 and outputs the QR code displayed on the terminal device 100 to the ATM 200 (step S4). The transaction information input to the terminal device 100 is passed to the ATM 200 via the QR code. This enables the ATM 200 to execute the deposit process in cooperation with the terminal device 100.

As described above, the terminal device 100 issues the transaction information entered by the customer 10 as a QR code. The terminal device 100 then displays the QR code to the customer 10 so that the customer 10 can have the ATM 200 read the QR code. Therefore, even if the deposit amount is equal to or exceeds the deposit limit, the customer 10 does not need to go through a procedure at the counter, and can use the terminal device 100 to deposit money at the ATM 200.

As a result, the terminal device 100 can eliminate a series of tasks performed by bank employees, such as reading QR codes, accepting cash, processing deposits, and printing forms, thereby reducing employee involvement. As a result, employee time is reduced and employee work efficiency is improved. In addition, because there are fewer opportunities to receive cash, employee work such as approval procedures is also reduced. In the future, banks will be able to reduce the number of employees and minimize the number of bank branches.

On the other hand, the customer 10 can deposit money at the ATM 200 himself/herself. This allows the customer 10 to deposit more than the deposit limit without having to wait at the counter.

Another benefit, in addition to the reduction in clerk workload and waiting time, is low maintenance costs. The maintenance and installation costs of the clerk terminal 300 are higher than those of the terminal device 100, which is a general-purpose tablet. In this regard, banks can prepare more terminal devices 100, which have low maintenance costs, than clerk terminals 300, which have high maintenance costs. The above-mentioned linking process makes it possible to carry out transactions using terminal devices 100, which have low maintenance costs. For this linking process, banks can use the ATMs 200 currently located in their branches. Because banks do not need to purchase new equipment, they can introduce services that use linking process at low cost.

In addition, because transactions that exceed the deposit and withdrawal limits are carried out by the ATM 200, the terminal device 100 can eliminate the need to output paper response results such as slips. As described above, currently, slips are output from a printer linked to the bank clerk terminal 300 and stored for many years. The terminal device 100 can also go paperless so that slips do not take up storage space. As a result, the terminal device 100 can also reduce the maintenance costs of paper media.

The terminal device 100 that performs this type of collaboration processing is described in detail below.

3. Functional configuration of terminal device
Next, with reference to FIG. 3, a detailed description will be given of the functional configuration of the terminal device 100 that realizes the cooperation process described above with reference to FIG.

FIG. 3 is a diagram showing an example of the functional configuration of the terminal device 100 according to an embodiment. As shown in FIG. 3, the terminal device 100 has a communication unit 110, an input unit 120, an output unit 130, and a control unit 140.

(Communication unit 110)
The communication unit 110 is realized by, for example, a network interface card (NIC) or the like. The communication unit 110 is connected to a network by wire or wirelessly. The communication unit 110 is communicatively connected to another device via a network N. The communication unit 110 can transmit and receive information to and from the other device via the network. The other device may be, for example, an accounting system.

(Input unit 120)
The input unit 120 is an input device that accepts various operations from a user of the terminal device 100. For example, the input unit 120 is realized by a keyboard, a mouse, operation keys, and the like.

(Output unit 130)
The output unit 130 is a display device for displaying various types of information. For example, the output unit 130 is realized by a liquid crystal display, an organic EL (Electro Luminescence) display, etc. When a touch panel is adopted in the terminal device 100, the input unit 120 and the output unit 130 are integrated.

(Control unit 140)
The control unit 140 is a controller, and is realized by, for example, a processor such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs (corresponding to an example of a linking program) stored in a storage device inside the terminal device 100 using a RAM or the like as a working area. For example, these various programs correspond to application software called a mobile application. The control unit 140 may also be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or a GPGPU (General Purpose Graphic Processing Unit).

As shown in FIG. 3, the control unit 140 has a reception unit 141, a user information acquisition unit 142, a confirmation material acquisition unit 143, an approval acquisition unit 144, a generation unit 145, a two-dimensional code output unit 146, and a display unit 147, and realizes or executes the functions and actions of the information processing described below. The control unit 140 can also realize the above-mentioned cooperation processing with reference to FIG. 2. One or more processors of the terminal device 100 can realize the functions of each control unit in the control unit 140 by executing instructions stored in one or more memories of the terminal device 100. Note that the internal configuration of the control unit 140 is not limited to the configuration shown in FIG. 3, and may be other configurations as long as they perform the information processing described below. For example, the generation unit 145 may perform all or part of the information processing described below for units other than the generation unit 145.

(Reception unit 141)
The reception unit 141 receives information regarding deposits and withdrawals from the user. The reception unit 141 displays an input screen for receiving transaction details of deposit and withdrawal operations. The reception unit 141 then receives input of the transaction details via the input screen. As described above with reference to FIG. 2, for example, the input screen includes input items such as name, account number, transaction details, and amount. The input items for the transaction details receive input of transaction operations such as deposit, withdrawal, and transfer. If the transaction details are transfers, the reception unit 141 displays an input screen for receiving transfer source information and transfer destination information, and receives input of the transfer source information and transfer destination information. Note that if the transfer is a tax transfer, the number of payment slips is received from the input screen.

(User information acquisition unit 142)
The user information acquisition unit 142 acquires user information of a user who is a customer of the financial institution. For example, the user information acquisition unit 142 acquires user information from an accounting system in order to automatically input user information such as an account name and an account number into an input screen. The acquisition of user information from an accounting system is described in detail below with reference to FIG. 8.

(Confirmation material acquisition unit 143)
The verification material acquisition unit 143 acquires identity verification materials for a user. The verification material acquisition unit 143 acquires identity verification materials that attest to the user making a request for a deposit/withdrawal transaction. For example, the verification material acquisition unit 143 acquires images of a driver's license, passport, health insurance card, or My Number card as identity verification materials.

The verification material acquisition unit 143 acquires an image of the identity verification material using a camera mounted on the terminal device 100. Regarding the authentication method for verifying the identity of the user, the verification material acquisition unit 143 performs information for identity verification, such as cash card PIN authentication or biometric authentication using a smartphone app. In biometric authentication, the verification material acquisition unit 143 may perform FIDO (registered trademark) authentication using an authentication device built into or external to the terminal device 100. In this case, the financial institution, for example, registers in advance a public key for the user in an authentication server in the accounting system. In addition, the financial institution stores in advance a private key for the user in the authentication device.

(Approval acquisition unit 144)
The approval acquisition unit 144 acquires approval from a bank employee who confirms the transaction contents of the deposit/withdrawal business. For example, the approval acquisition unit 144 may acquire approval from a bank employee by inputting bank employee identification information for identifying the bank employee or a signature that can identify the bank employee. etc. Obtaining bank clerk approval is described below with reference to FIG.

(Generation unit 145)
The generator 145 uses the transaction details and the personal identification documents to generate a two-dimensional code expressing the details required when the business device executes a deposit/withdrawal business. The business device is, for example, the ATM 200 described above with reference to Figures 1 and 2. The business device may also be an open teller machine described later with reference to Figure 7.

The generation unit 145 generates, for example, a QR code that represents the content required when the business device executes a deposit/withdrawal business as a two-dimensional code. The generation unit 145 may also generate other codes, such as a data matrix, as the two-dimensional code.

The generation unit 145 may generate a number unique to each deposit/withdrawal transaction. For example, the generation unit 145 may generate a processing serial number unique to each deposit/withdrawal transaction. The generation unit 145 may include the number unique to each deposit/withdrawal transaction in the QR code.

(Two-dimensional code output unit 146)
The two-dimensional code output unit 146 allows output of the two-dimensional code generated by the generation unit 145. For example, the two-dimensional code output unit 146 displays a reading screen including a two-dimensional code. As described above with reference to Fig. 2, for example, the reading screen includes a message saying "Please read the QR code at the ATM" and the QR code.

(Display unit 147)
The display unit 147 displays an execution screen for executing a transaction of the transaction content. More specifically, the execution screen is a user interface that enables a user to execute a transaction of the transaction content based on cash stored in an open teller machine, which will be described later with reference to Fig. 7. The display of the execution screen will be described in detail below with reference to Fig. 7.

(An example of a linking process)
Above, the cooperation process according to an exemplary embodiment has been described with reference to Fig. 2. Here, the cooperation process will be described in more detail with reference to Figs. 4 and 5.

Figure 4 is an explanatory diagram showing an example of an output process that outputs a QR code used for linking with ATM 200. As in the case of the linking process in Figure 2, it is assumed that customer 10 visits a branch to make a deposit of more than the deposit limit.

First, the reception unit 141 displays the screen 11 for receiving deposit and withdrawal information. As shown in FIG. 4, the screen 11 includes input fields for name, account number, transaction details, amount, etc. In the example of FIG. 4, the customer 10 inputs the information "Maruko", "777", "Transfer", and "1,000,000" into the fields for name, account number, transaction details, and amount, respectively. The customer 10 then presses the "OK" button.

Next, the verification material acquisition unit 143 displays the screen 12 for photographing the identification document. The screen 12 includes a guide frame. In the example of FIG. 4, the customer 10 uses the screen 12 to photograph a driver's license. As a result, the verification material acquisition unit 143 acquires an image of the customer 10's driver's license as the identification document.

Next, the approval acquisition unit 144 displays screen 13 for confirming the transaction details. Screen 13 includes a message saying, "Please hand this tablet over to a bank clerk." In the example of FIG. 4, the customer 10 hands over the terminal device 100 to a bank clerk. Then, the bank clerk who receives the terminal device 100 presses the "Confirm" button.

Then, the approval acquisition unit 144 displays screen 14 for confirming the transaction details. As shown in FIG. 4, screen 14 includes confirmation items such as the client's name, account number, and transfer amount. In the example of FIG. 4, the bank clerk looks at screen 14 and confirms the transaction details. In this example, it is assumed that the bank clerk has confirmed that there are no problems with the transaction details. The bank clerk then presses the "OK" button.

Then, the approval acquisition unit 144 displays screen 15 for the clerk's approval. Screen 14 includes an input field for the operator ID, which is an ID for identifying the clerk. The clerk inputs his/her own operator ID and presses the "OK" button. In this way, the approval acquisition unit 144 acquires the operator ID as clerk identification information.

Next, the generation unit 145 generates a QR code 17 that represents the deposit/withdrawal information accepted by the acceptance unit 141 and the operator ID acquired by the approval acquisition unit 144. Then, the two-dimensional code output unit 146 displays a screen 16 for requesting a transaction. The screen 16 includes information on the transaction details and personal documents, a message saying "Please read the QR code at the ATM," and the QR code 17 generated by the generation unit 145.

Then, the customer 10 holding the terminal device 100 moves to the ATM 200. Here, only the customer 10 takes the terminal device 100 to the ATM 200 with the QR code 17 displayed. The customer 10 then has the ATM 200 read the QR code 17 displayed on the terminal device 100. The ATM 200, having read the QR code 17, displays a screen for confirming the transaction details. The screen for confirming the transaction details will be described later with reference to FIG. 5.

Figure 5 is an explanatory diagram showing an example of the screen of ATM 200 that has read a QR code. As described above with reference to Figure 4, customer 10 inputs information such as name, account number, transaction details, amount, etc. via screen 11 for accepting deposit and withdrawal information. In this case, information such as name, account number, amount, etc. is handed over to ATM 200 via QR code 17 described above with reference to Figure 4. ATM 200 has a barcode reader for reading QR codes. ATM 200 implements an application for obtaining deposit and withdrawal information from the QR code generated by generation unit 145 of terminal device 100.

In the example of FIG. 5, the ATM 200 that has read the QR code 17 displays screen 18 for confirming the transaction details. In other words, the ATM 200 displays screen 18 as an execution screen for executing the transaction of the transaction details. Screen 18 includes confirmation items such as the client's name, account number, and transfer amount. As shown in FIG. 5, the name, account number, and amount on screen 11 described above with reference to FIG. 4 correspond to the client's name, account number, and transfer amount on screen 18, respectively. When the customer 10 presses the "Confirm" button, the transaction is executed based on the transaction details displayed on screen 18.

4. Linkage Processing Flow
Next, a procedure of a linking process performed by the terminal device 100 according to the embodiment will be described with reference to FIG.

Figure 6 is a flowchart showing an example of a process for linking with the ATM 200, executed by the terminal device 100 according to the embodiment.

As shown in FIG. 6, first, the reception unit 141 of the terminal device 100 receives input of application details related to deposit/withdrawal services (step S101). For example, the reception unit 141 receives input of an account number, the amount of the deposit/withdrawal, etc.

Next, the verification document acquisition unit 143 of the terminal device 100 displays a screen for accepting identity verification documents (step S102).

Next, the verification material acquisition unit 143 determines whether the identification material has been accepted (step S103). For example, in order to accept the customer's identification material, the verification material acquisition unit 143 can photograph the identification material using a camera mounted on the terminal device 100.

If it is determined that the identity verification material has not been accepted (step S103: No), the verification material acquisition unit 143 executes step S103 again. As an example, if the identity verification material has not been accepted within a predetermined time, the verification material acquisition unit 143 may display an error screen notifying the user that identity verification material is required. Then, the verification material acquisition unit 143 may execute step S102 again.

If it is determined that the identity verification documents have been accepted (step S103: Yes), the approval acquisition unit 144 of the terminal device 100 displays a screen for inputting the bank employee's approval (step S104).

Next, the approval acquisition unit 144 determines whether approval from the bank employee has been obtained (step S105). For example, the approval acquisition unit 144 can acquire an operator ID, which is an ID that identifies the bank employee, as information indicating that the bank employee has approved the application content.

If it is determined that the bank employee's approval has not been obtained (step S105: No), the approval acquisition unit 144 executes step S105 again. As an example, if the bank employee's approval is not received within a specified time, the approval acquisition unit 144 may display an error screen notifying the user that the bank employee's approval is required. Then, the approval acquisition unit 144 may execute step S104 again.

If it is determined that the bank clerk's approval has been obtained (step S105: Yes), the generation unit 145 of the terminal device 100 generates a QR code that records the application details and the operator ID (step S106). The QR code conveys the application details and the bank clerk's approval from the terminal device 100 to the ATM 200. The terminal device 100 communicates with the ATM 200 via the QR code.

Next, the display unit 147 of the terminal device 100 displays the QR code (step S107). For example, the display unit 147 displays a screen including the QR code. This allows the customer to have the ATM 200 read the QR code that records the application details entered on the terminal device 100.

5. Other embodiments
The terminal device 100 according to the above-described embodiment may be implemented in various different forms other than the above-described embodiment. Therefore, other embodiments of the terminal device 100 will be described below.

[5-1. Linkage with open teller machine]
Due to restrictions on the business devices used for counter operations, the business devices that store cash differ depending on the amount of money deposited or withdrawn. As an example, when the amount of money deposited or withdrawn is less than 200 bills, a cash machine installed beside the bank teller terminal 300 counts the bills. Alternatively, the ATM 200 counts the bills. On the other hand, when the amount of money deposited or withdrawn is 200 bills or more, a special device called an open teller machine (hereinafter referred to as a "teller machine") counts the bills.

In the output process described above with reference to FIG. 4, the ATM 200 reads the output QR code. However, if the deposit/withdrawal amount is 200 or more bills, the ATM 200 cannot count the bills. Therefore, the terminal device 100 may be linked to a teller machine so that the customer can carry out the transaction themselves, even if the deposit/withdrawal amount is 200 or more bills.

Figure 7 is an explanatory diagram showing an example of a linking process that links with a cash dispenser. In the example of Figure 4, customer 10 deposits 1 million yen. In the example of Figure 7, customer 10 visits the branch office of Figure 1 to deposit 3 million yen, which exceeds the deposit limit of the cash dispenser.

First, similar to the case of screen 11 in FIG. 4, the reception unit 141 displays screen 21 for receiving deposit and withdrawal information. As shown in FIG. 7, screen 21 includes input fields for name, account number, transaction details, amount, etc. In the example of FIG. 7, customer 10 inputs the information "3,000,000" in the amount field. Then, customer 10 presses the "OK" button.

When the reception unit 141 receives deposit/withdrawal information, the verification material acquisition unit 143 may display a screen for photographing an identity verification document, similar to the case of screen 12 in FIG. 4. Then, the verification material acquisition unit 143 may acquire the identity verification document.

Next, the approval acquisition unit 144 displays screen 22 for confirming the deposit/withdrawal amount. Screen 22 includes a message saying, "Please hand this tablet to the bank clerk along with the cash." In the example of FIG. 7, the customer 10 hands over the terminal device 100 to the bank clerk. Then, the bank clerk who receives the terminal device 100 presses the "Confirm" button.

Next, the approval acquisition unit 144 displays screen 23 for confirming the transaction details. As shown in FIG. 7, screen 23 includes confirmation items such as the client's name, account number, and transfer amount. In this example, the bank clerk confirms that there are no problems with the transaction details and presses the "OK" button.

When the "OK" button is pressed, the approval acquisition unit 144 displays a screen for the clerk's approval, similar to screen 15 in FIG. 4. The clerk enters his or her own operator ID, and the approval acquisition unit 144 acquires the operator ID.

Next, as in the case of screen 16 in FIG. 4, the generation unit 145 generates a QR code 25 that represents the deposit/withdrawal information accepted by the reception unit 141 and the operator ID acquired by the approval acquisition unit 144. The two-dimensional code output unit 146 then displays a screen 24 for making deposits and withdrawals. The screen 24 includes information on the transaction details and personal documents, a message saying "Please read the QR code with the teller machine," and the QR code 25 generated by the generation unit 145.

At the processing stage where screen 24 is displayed, the bank employee carrying the terminal device 100 and cash moves to the teller machine. The employee then has the teller machine read the QR code 25 displayed on the terminal device 100. The employee then stores the cash in the teller machine. The teller machine counts the cash and deposits it. The teller machine that has read the QR code 25 also takes in the input value for the deposit as an input.

When storing cash, for example, a bank employee places banknotes in a teller machine. Note that the teller machine is an offline device. Therefore, the teller machine processes deposits, but the execution of transactions based on these deposits is carried out by the terminal device 100. In other words, the teller machine itself does not execute transactions based on these deposits.

The teller machine outputs a piece of paper on which is printed a QR code 27 that represents the information required to execute a transaction based on a deposit at the terminal device 100. This piece of paper is not a form, but, for example, a receipt. The QR code 27 printed on the receipt corresponds to the input of a transaction based on a deposit. In the example of FIG. 7, the QR code 27 represents information indicating that the customer 10 has made a deposit of 3 million yen.

The clerk receives the paper on which the QR code 27 is printed and performs an operation to advance the screen displayed on the terminal device 100 to the next processing stage. For example, if the screen 24 includes a "Next" button (not shown), the clerk presses the "Next" button.

When the bank clerk performs an operation to proceed to the next processing stage, the display unit 147 described above with reference to FIG. 3 displays the screen 26 for reading the QR code. The screen 26 includes a guide frame. In the example of FIG. 7, the customer 10 uses the screen 26 to photograph the QR code 27. This causes the display unit 147 to read the QR code 27.

Then, the display unit 147 displays screen 28 for confirming the transaction details as a screen for executing a transaction based on the deposit. Screen 28 includes confirmation items such as the client's name, account number, and transfer amount. With screen 28 displayed, the bank clerk takes the terminal device 100 to the customer 10. The customer 10 checks that there are no problems with the transaction details. Then, the customer 10 presses the "Confirm" button. The transaction is then executed based on the transaction details displayed on screen 28.

[5-2. Automatic input of customer information]
The user information acquisition unit 142 described above with reference to Fig. 3 may acquire customer information as user information from an accounting system in order to automatically input customer information. For example, the user information acquisition unit 142 may be linked to an accounting system so that deposit and withdrawal information is input by autofill.

Figure 8 is an explanatory diagram showing an example of an acquisition process for acquiring user information. In the example of Figure 8, the user information acquisition unit 142 displays a screen 31 for logging in. For example, the customer 10 described above with reference to Figure 2 enters an ID and password into the screen 31. The customer 10 then presses the "Login" button. In the example of Figure 8, the user information acquisition unit 142 transmits the ID and password to the accounting system 400 via a network such as the Internet.

In response to the ID and password, the accounting system 400 transmits the customer's user information corresponding to the ID to the terminal device 100. Based on the user information of the customer 10, the user information acquisition unit 142 pre-enters information into specified input fields within the screen for accepting deposit and withdrawal information. In the example of FIG. 8, the user information acquisition unit 142 enters the information "Maruko", "777", and "Kamo" into the account name, account number, and transfer destination fields, respectively. This saves the terminal device 100 the trouble of having to enter customer information used for periodic transactions.

[6. Other]
In addition, among the processes described in the above embodiments, some of the processes described as being performed automatically can be performed manually. Alternatively, all or some of the processes described as being performed manually can be performed automatically using a known method. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

7. Hardware Configuration
The terminal device 100 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 9, for example. Fig. 9 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which a calculation device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected by a bus 1090.

The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and the like, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), a HDD (Hard Disk Drive), a flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to an output device 1010 such as a monitor or printer, which outputs various types of information, and is realized, for example, by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (registered trademark) (High Definition Multimedia Interface). The input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is realized, for example, by a USB.

The input device 1020 may be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

The network IF 1080 receives data from other devices via the network N and sends it to the computing device 1030, and also transmits data generated by the computing device 1030 to other devices via the network N.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

For example, when the computer 1000 functions as the terminal device 100, the arithmetic unit 1030 of the computer 1000 realizes the functions of the control unit 140 by executing a program loaded onto the primary storage device 1040.

8. Effects
As described above, the terminal device 100 according to the embodiment includes the reception unit 141 , the confirmation material acquisition unit 143 , the generation unit 145 , and the two-dimensional code output unit 146 .

In the terminal device 100 according to the embodiment, the reception unit 141 displays an input screen for receiving transaction details of a deposit/withdrawal business, and receives input of the transaction details. Also, in the terminal device 100 according to the embodiment, the confirmation document acquisition unit 143 acquires identity verification documents that verify the user requesting a deposit/withdrawal business transaction. Also, in the terminal device 100 according to the embodiment, the generation unit 145 uses the transaction details and the identity verification documents to generate a two-dimensional code that expresses the details required when the business device executes a deposit/withdrawal business. The identity verification documents are used to approve the transaction, and the generation unit 145 generates the two-dimensional code based on the approval result using the identity verification documents. Also, in the terminal device 100 according to the embodiment, the two-dimensional code output unit 146 allows the output of the generated two-dimensional code.

The terminal device 100 according to the embodiment also has an approval acquisition unit 144 that acquires approval from a bank employee to confirm the transaction details of the deposit/withdrawal business. In addition, in the terminal device 100 according to the embodiment, the generation unit 145 generates a two-dimensional code including the bank employee's approval when the bank employee's approval has been acquired, and can suppress the generation of the two-dimensional code when the bank employee's approval has not been acquired.

In addition, in the terminal device 100 according to the embodiment, the approval acquisition unit 144 acquires, as the approval of the bank employee, bank employee identification information for identifying the bank employee. In addition, in the terminal device 100 according to the embodiment, the generation unit 145 generates a two-dimensional code including the bank employee identification information when the bank employee identification information is acquired, and can suppress the generation of the two-dimensional code when the bank employee identification information is not acquired.

The terminal device 100 according to the embodiment also has a user information acquisition unit 142 that acquires user information of the user from the financial institution's system related to deposit and withdrawal operations. In addition, in the terminal device 100 according to the embodiment, the reception unit 141 acquires information related to the transaction content from the user information and inputs it to the input screen.

In addition, in the terminal device 100 according to the embodiment, the generation unit 145 generates a two-dimensional code for an automated teller machine when the deposit/withdrawal amount specified in the transaction details is less than a threshold, and generates a two-dimensional code for an open teller machine when the deposit/withdrawal amount is equal to or greater than the threshold. The threshold setting may differ depending on the customer attributes and the transaction details.

The terminal device 100 according to the embodiment also has a display unit 147 that reads the new two-dimensional code generated by the open teller machine that read the two-dimensional code and performed the deposit/withdrawal, and displays an execution screen for executing the transaction content.

Through each of the above-mentioned processes, the terminal device 100 can improve the work efficiency of deposit and withdrawal operations.

Although several embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the disclosure section of the invention.

The above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, a generation unit can be read as a generation means or a generation circuit.

REFERENCE SIGNS LIST 1 Linkage system 100 Terminal device 110 Communication unit 120 Input unit 130 Output unit 140 Control unit 141 Reception unit 142 User information acquisition unit 143 Confirmation material acquisition unit 144 Approval acquisition unit 145 Generation unit 146 Two-dimensional code output unit 147 Display unit 200 ATM
300 Banker terminal

Claims (6)

On the computer,
Displaying an input screen for receiving transaction details of a deposit/withdrawal business, receiving input of the transaction details,
Acquire identity verification documents to prove that the user is making a request for the deposit/withdrawal transaction,
acquiring bank employee identification information for identifying the bank employee as the approval of the bank employee who confirms the contents of the deposit/withdrawal transaction;
when the clerk identification information is acquired, a two-dimensional code expressing the content required when the business device executes the deposit/withdrawal business is generated using the transaction content , the personal identification document, and the clerk identification information , and when the clerk identification information is not acquired, generation of the two-dimensional code is suppressed;
and outputting the generated two-dimensional code. further executing a process of acquiring user information of the user from a system of a financial institution related to the deposit and withdrawal business,
2. The linking program according to claim 1 , wherein the receiving process acquires information regarding the transaction content from the user information and inputs the information into the input screen. On the computer,
Displaying an input screen for receiving transaction details of a deposit/withdrawal business, receiving input of the transaction details,
Acquire identity verification documents to prove that the user is making a request for the deposit/withdrawal transaction,
When the deposit/withdrawal amount specified in the transaction details is less than a threshold, a two-dimensional code expressing the content required when an automated teller machine executes the deposit/withdrawal operation is generated using the transaction details and the identity verification document, and when the deposit/withdrawal amount is equal to or greater than a threshold, a two-dimensional code expressing the content required when an open teller machine executes the deposit/withdrawal operation is generated using the transaction details and the identity verification document,
and outputting the generated two-dimensional code. The linkage program as described in claim 3, further causing the computer to execute a process of reading a new two- dimensional code generated by the open cash register that read the two-dimensional code and performed a deposit or withdrawal, and displaying an execution screen for executing a transaction of the transaction content. The computer
Displaying an input screen for receiving transaction details of a deposit/withdrawal business, receiving input of the transaction details,
Acquire identity verification documents to prove that the user is making a request for the deposit/withdrawal transaction,
acquiring bank employee identification information for identifying the bank employee as the approval of the bank employee who confirms the contents of the deposit/withdrawal transaction;
when the clerk identification information is acquired, a two-dimensional code expressing the content required when the business device executes the deposit/withdrawal business is generated using the transaction content , the personal identification document, and the clerk identification information , and when the clerk identification information is not acquired, generation of the two-dimensional code is suppressed;
and outputting the generated two-dimensional code. a reception unit that displays an input screen for receiving transaction details of a deposit/withdrawal business and receives input of the transaction details;
a verification material acquisition unit for acquiring identity verification materials for verifying the identity of a user making a request for a transaction of the deposit/withdrawal business;
an approval acquisition unit that acquires, as approval of a bank employee confirming the transaction contents of the deposit/withdrawal business, bank employee identification information for identifying the bank employee;
a generator which, when the clerk identification information is acquired, generates a two-dimensional code using the transaction details , the customer identification document , and the clerk identification information , the two-dimensional code expressing details required when the business device executes the deposit/withdrawal business, and which inhibits the generation of the two-dimensional code when the clerk identification information is not acquired;
and an output unit that outputs the generated two-dimensional code.

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