JP7629878B2 - Automatic transaction device and data transmission/reception method - Google Patents

Description

The present invention relates to an automated transaction device and a data transmission and reception method.

There is a known system that sends information about transactions made by operating an automated transaction device via email to a mobile terminal device held by a user of the automated transaction device. For example, Patent Document 1 describes a specific configuration of this type of system.

The system described in Patent Document 1 asks the user whether he or she wishes to receive an e-mail containing inquiry information when making a transaction via an automated transaction device. If the user wishes to receive an e-mail, the system automatically extracts the relevant inquiry information from the inquiry database, creates an e-mail, and sends it to the user's mobile terminal device when the information on the user's most recent transaction is reflected in the inquiry database.

JP 2004-246705 A

The system described in Patent Document 1 requires a means for extracting target transaction information from a reference database, a means for automatically creating an e-mail based on the extracted transaction information, and a means for automatically sending the automatically created e-mail. As such, the system exemplified in Patent Document 1 requires a complex mechanism for sending transaction information to the user's mobile terminal device.

The present invention has been made in consideration of the above circumstances, and aims to provide an automated transaction device and a data transmission and reception method that can transmit data, including, for example, information related to a transaction, from an automated transaction device to a mobile terminal device without requiring a complex mechanism.

An automatic transaction device according to one embodiment of the present invention is communicatively connected to a portable terminal device, and acquires image data including information related to a transaction from a plurality of image data images of each page of a user's paper passbook, including image data of a page including the last line containing a transaction history, displays an image on a display unit based on the acquired image data, and transmits image data captured from the image displayed on the display unit to the portable terminal device.

A data transmission and reception method according to one embodiment of the present invention is a method executed by an automated transaction device and a portable terminal device communicably connected to the automated transaction device. The automated transaction device acquires image data including information about transactions, the image data being of a page including the last line on which a transaction history is recorded, from among a plurality of image data obtained by imaging each page of a user's paper passbook, displays an image based on the acquired image data on a display unit, and transmits image data obtained by capturing the image displayed on the display unit to the portable terminal device.

According to one embodiment of the present invention, an automated transaction device and a data transmission and reception method are provided that can transmit data, including, for example, information related to a transaction, from an automated transaction device to a mobile terminal device without requiring a complex mechanism.

1 is an external view showing a data transmission/reception system according to an embodiment of the present invention; 1 is a block diagram showing a data transmission and reception system according to an embodiment of the present invention; FIG. 2 is a sequence diagram of a process executed in a data transmission/reception system according to a first processing example of the present invention. FIG. 4 is a diagram for assisting in the explanation of the sequence diagram shown in FIG. 3 . FIG. 4 is a diagram showing an example of an image database provided in a host computer according to an embodiment of the present invention. 10 is a flowchart showing an example of an image database update process according to an embodiment of the present invention. FIG. 4 is a diagram showing an example of image data stored in an image database in one embodiment of the present invention. FIG. 11 is a sequence diagram of a process executed in a data transmission and reception system according to a second processing example of the present invention. FIG. 9 is a diagram for assisting in the explanation of the sequence diagram shown in FIG. 8 . FIG. 13 is a diagram showing an example of a transfer destination image according to one embodiment of the present invention. FIG. 11 is a sequence diagram of a process executed in a data transmission and reception system according to a processing example 3 of the present invention. FIG. 12 is a diagram for assisting in the explanation of the sequence diagram shown in FIG. 11 .

One embodiment of the present invention is described in detail below.

Figure 1 is an external view showing a data transmission and reception system 1 according to one embodiment of the present invention. The data transmission and reception system 1 according to this embodiment includes an automated transaction device 10 and a mobile terminal device 20.

The automated transaction device 10 is, for example, an ATM (Automated Teller Machine) installed in a branch of a financial institution such as a bank, a convenience store, etc. The automated transaction device 10 may also be called, for example, an automated teller machine.

The mobile terminal device 20 is, for example, a smartphone, and is carried by, for example, a user of the automated transaction device 10. The mobile terminal device 20 may be another type of device, such as a tablet terminal, a notebook PC (Personal Computer), a PDA (Personal Digital Assistant), or a portable game machine. In the following, unless otherwise specified, the term "user" refers to the holder of the mobile terminal device 20 who uses the automated transaction device 10.

As shown in FIG. 1, the automated transaction device 10 includes a card slot 11, a passbook slot 12, a bill slot 13, a coin slot 14, a stand 15, and a display unit 120. The card slot 11, the passbook slot 12, the bill slot 13, and the coin slot 14 are slots through which cash cards, paper passbooks, bills, and coins are inserted into the automated transaction device 10 and ejected from the automated transaction device 10, respectively.

The stand 15 is provided to the left of the display unit 120. When using the automated transaction apparatus 10, a user can lean the mobile terminal device 20 against the stand 15. Note that the installation position of the stand 15 is not limited to the left of the display unit 120. The stand 15 may be provided in a position different from the position illustrated in FIG. 1, such as to the right of the display unit 120.

In this way, the automated transaction device 10 includes the stand 15 as an example of a placement section on which the mobile terminal device 20 is placed. When the mobile terminal device 20 is placed on the stand 15, it is located on the first direction side (left side in this embodiment) with respect to the display unit 120, which is an example of an automated transaction device-side display unit. In other words, when the mobile terminal device 20 is placed on the stand 15, the display unit 120 is located on the second direction side (right side in this embodiment) with respect to the display unit 220 (described later), which is an example of a mobile terminal device-side display unit.

The automated transaction apparatus 10 and the mobile terminal device 20 are connected only via a communication interface that complies with a specific short-range wireless communication standard (NFC (Near Field Communication), FeliCa (registered trademark), etc.). Therefore, the mobile terminal device 20 cannot communicate with the automated transaction apparatus 10 unless it is located close to the automated transaction apparatus 10. In the example of FIG. 1, only one mobile terminal device 20 leaned against the stand 15 is located close to the automated transaction apparatus 10. For example, even if there are multiple customers carrying mobile terminal devices in the store, the automated transaction apparatus 10 can only communicate with the one mobile terminal device 20 leaned against the stand 15.

Figure 2 is a block diagram showing a data transmission/reception system 1 according to one embodiment of the present invention. Note that the automated transaction device 10 and the mobile terminal device 20 may have other configurations that are not shown in Figure 2. In other words, there is a degree of freedom in the configuration of the automated transaction device 10 and the mobile terminal device 20, and various design changes are possible.

The automated transaction device 10 has a processor 100, a memory 110, a display unit 120, an input unit 130, a passbook processing unit 140, a card processing unit 150, a banknote processing unit 160, a coin processing unit 170, and a communication unit 180.

The processor 100 is an example of a computer that executes the program 112 stored in the memory 110. The processor 100 includes a RAM (Random Access Memory), a flash ROM (Read Only Memory), etc., and controls the entire automated transaction device 10. For example, the processor 100 expands various programs, including the program 112 stored in the memory 110, onto the RAM, which is a work area, and controls the automated transaction device 10 in accordance with the expanded programs.

The processor 100 is, for example, a single processor or a multi-processor, and includes at least one processor. When configured to include multiple processors, the processor 100 may be packaged as a single device, or may be configured as multiple devices that are physically separated within the automated transaction device 10.

The program 112 stored in the memory 110 causes the processor 100, which is a computer, to execute a series of processes, including displaying a transaction image including information about the transaction on the display unit 120 and transmitting image data of the transaction image displayed on the display unit 120 to the mobile terminal device 20. More specifically, the program 112 causes the processor 100 to execute a series of processes, including displaying a transaction image including information about the transaction on the display unit 120, generating image data of the transaction image displayed on the display unit 120, and transmitting the generated image data to the mobile terminal device 20. In this series of processes, the transaction image is, for example, an image of a paper passbook displayed on the display unit 120, or an image of a transfer transaction including information about the transfer destination, displayed on the display unit 120 based on information indicating the result of the transfer process.

The program 112 executed by the processor 100 also executes a transaction based on image data received from the mobile terminal device 20. More specifically, the program 112 executes a transfer transaction based on image data of the transfer transaction, including information on the transfer destination, received from the mobile terminal device 20 (as a more detailed example, the program 112 extracts information on the transfer destination from the image data of the transfer transaction, and executes the transfer transaction based on the extracted information on the transfer destination).

By executing the program 112, data including, for example, information related to a transaction can be transmitted from the automated transaction device 10 to the mobile terminal device 20 without requiring a complex mechanism. In addition, data including, for example, information related to a transaction can be transmitted and received between the automated transaction device 10 and the mobile terminal device 20, and a transaction can be executed based on the transmitted and received data.

The processor 100 has the following functional blocks: a transaction image display unit 100A, an image data transmission/reception unit 100B, a transfer destination information extraction unit 100C, and a transfer transaction execution unit 100D. Each functional block is realized by a program 112 executed by the processor 100, which is an example of a computer. Each functional block may be realized in part or in whole by hardware such as a dedicated logic circuit.

The memory 110 may be a flash memory, an EPROM (Erasable Programmable ROM), an EEPROM (Electrically Erasable Programmable ROM), a HDD (Hard Disk Drive), etc.

The display unit 120 is, for example, an LCD (Liquid Crystal Display) equipped with a touch panel, an organic EL (Electro Luminescence), or the like. In other words, the display unit 120 is an example of a display unit that can be operated by touch. The display unit 120 displays an operation screen, a menu screen, a transaction image, etc., according to instructions from the processor 100.

The input unit 130 is a user interface that is operated by a user and is made up of hardware, software, or a combination of these. In this embodiment, the display unit 120 is equipped with a touch panel, and therefore the display unit 120 also serves as the input unit 130.

The passbook processing unit 140 has a passbook transport unit, a passbook sensor, a printing unit, and an MS (Magnetic Stripe) recording and reproducing unit. The passbook transport unit transports a paper passbook inserted into the passbook entrance 12 provided on the front of the automated transaction device 10 into the automated transaction device 10, and also ejects a paper passbook inserted into the automated transaction device 10 from the passbook entrance 12. The passbook sensor is installed near the passbook entrance 12 and detects the insertion or ejection of a paper passbook into the passbook entrance 12. The passbook processing unit 140 notifies the processor 100 of the insertion or ejection of a paper passbook detected by the passbook sensor. The printing unit prints the transaction details on the paper passbook transported into the automated transaction device 10. The MS recording and reproducing unit reads and writes data on the magnetic stripe affixed to the paper passbook.

The card processing unit 150 has a card transport unit, a card sensor, a printing unit, and an MS recording and reproducing unit. The card transport unit transports a card (e.g., a cash card) inserted into the card slot 11 provided on the front of the automated transaction device 10 into the interior of the automated transaction device 10, and also ejects a card inserted into the automated transaction device 10 from the card slot 11. The card sensor is installed near the card slot 11 and detects the insertion or ejection of a card into or from the card slot 11. The card processing unit 150 notifies the processor 100 of the insertion or ejection of a card detected by the card sensor. The printing unit prints the transaction details on a receipt. The MS recording and reproducing unit reads and writes data from the magnetic stripe of the card.

The banknote processing unit 160 has a temporary holding unit that temporarily stores banknotes, a banknote discrimination unit that discriminates whether the banknotes are genuine or counterfeit, a banknote stacker that stores banknotes by type, a banknote forgotten box that stores banknotes that are left behind after the banknote entrance/exit shutter is released, and a transport path that transports banknotes between the banknote entrance/exit, the temporary holding unit, the banknote discrimination unit, the banknote stacker, and the banknote forgotten box. The banknote processing unit 160 has a banknote quantity sensor that detects the amount of banknotes in the banknote stacker. The banknote processing unit 160 detects the amount of banknotes in the banknote stacker using the banknote quantity sensor and notifies the processor 100.

The coin processing unit 170 has a coin validator that validates whether coins are genuine or counterfeit, a coin stacker that stores coins by type, a coin left behind box that stores coins that are left behind after the coin entrance/exit shutter is released, and a transport path that transports coins between the coin entrance/exit and the coin validator, the coin stacker, and the coin left behind box. The coin processing unit 170 has a coin quantity sensor that detects the amount of coins in the coin stacker. The coin processing unit 170 detects the amount of coins in the coin stacker using the coin quantity sensor and notifies the processor 100.

The communication unit 180 connects the automated transaction device 10 to the host computer 30 so that they can communicate with each other, for example, via a closed network communication line such as a dedicated line or a VPN (Virtual Private Network). The communication unit 180 also has a communication interface that complies with a specific short-range wireless communication standard. Through this communication interface, the communication unit 180 connects the automated transaction device 10 to the mobile terminal device 20 propped up against the stand 15 so that they can communicate with each other.

The mobile terminal device 20 has the same hardware configuration as a general-purpose smartphone. Schematically, as shown in FIG. 2, the mobile terminal device 20 includes a processor 200, a memory 210, a display unit 220, an operation unit 230, and a communication unit 240.

The processor 200 is an example of a computer that executes the program 212 stored in the memory 210. The processor 200 includes a RAM, a flash ROM, etc., and controls the entire mobile terminal device 20. For example, the processor 200 deploys various programs, including the program 212 stored in the memory 210, onto the RAM, which is a work area, and controls the mobile terminal device 20 in accordance with the deployed programs. The processor 200 includes at least one processor, similar to the processor 100.

The program 212 stored in the memory 210 causes the processor 200, which is a computer, to execute a series of processes, including displaying a transaction image including information related to the transaction on the display unit 220 based on image data stored in a specified storage medium, and transmitting image data of the transaction image displayed on the display unit 220, which is image data stored in the storage medium, to the automated transaction device 10.

By executing program 212, data including, for example, information related to a transaction can be sent and received between the automated transaction device 10 and the mobile terminal device 20 without the need for a complex mechanism, and transactions can be executed based on the sent and received data.

The processor 200 has, as functional blocks, a transaction image display unit 200A and an image data transmission/reception unit 200B. Each functional block is realized by a program 212 executed by the processor 200, which is an example of a computer. Each functional block may be realized in part or in whole by hardware such as a dedicated logic circuit.

Memory 210 is a flash memory, EPROM, EEPROM, HDD, etc. Memory 210 is an example of a predetermined storage medium, and stores, for example, a transaction image including information about the transaction.

The display unit 220 is, for example, an LCD or an organic EL display equipped with a touch panel. In other words, the display unit 220 is an example of a display unit that can be touched. The display unit 220 displays a transaction image, etc., in response to instructions from the processor 200.

The operation unit 230 is a user interface that is operated by a user and is made up of hardware, software, or a combination of these. In this embodiment, the display unit 220 is equipped with a touch panel, and therefore the display unit 220 also serves as the operation unit 230.

The communication unit 240 connects the mobile terminal device 20 to various terminal devices on the network so that they can communicate with each other, for example, via a public communication line. The communication unit 240 also has a communication interface that complies with a specific short-range wireless communication standard. The communication unit 240 uses this communication interface to connect the mobile terminal device 20 leaned against the stand 15 to the automated transaction device 10 so that they can communicate with each other.

The host computer 30 is a general-purpose host computer that communicates with the automated transaction device 10, except that it is equipped with an image database 310. Therefore, the specific functional configuration of the host computer 30 is not shown in FIG. 2.

In recent years, systems that allow users to view transaction details on terminal devices such as smartphones and PCs instead of paper passbooks have become widespread. While being able to view transaction details on a terminal device has the advantage for users, it places a heavy burden on system administrators. For example, large-scale new development is required to build a mechanism for sending and receiving transaction detail data between the system and the terminal device, and a mechanism for displaying transaction details on the terminal device.

The transaction details that can be viewed with the above system are displayed in a format that is organized for terminal devices. Because the transaction details are displayed on the terminal device in a format that is different from that of the paper passbook, some users may find it difficult to intuitively understand the contents of the transaction details.

Therefore, in the data transmission/reception system 1 according to this embodiment, by executing the process described below, for example, it becomes easier for the user to intuitively understand the contents of the transaction details. In addition, when building a system for executing the process described below, the burden on the system administrator is reduced compared to when building a conventional system.

Processing Example 1
Fig. 3 is a sequence diagram of processing executed in the data transmission/reception system 1 according to processing example 1 of the present invention. Fig. 4 is a diagram that assists in the explanation of the sequence diagram shown in Fig. 3. The sequences explained in processing example 1 and processing examples 2 and 3 described below are executed by the processors of each section working in cooperation with the hardware. In general, in processing example 1, image data of a paper passbook is sent from the automated transaction apparatus 10 to the mobile terminal device 20 in response to a user request.

In processing example 1, the user can view the transaction details on the mobile terminal device 20 using the image data of the paper passbook, i.e., in the same format as the paper passbook. This makes it easy for the user to intuitively understand the contents of the transaction details. Also, in processing example 1, the automated transaction device 10 only transmits image data (image data in a general format, such as JPEG, GIF, PNG, BMP, etc.) to the mobile terminal device 20. The mobile terminal device 20 can allow the user to view the transaction details in the same format as the paper passbook simply by displaying image data in such a general format. This means that the system administrator does not need to develop new formats or applications for the terminal devices.

When the automated transaction device 10 detects the approach of a user by a sensor (not shown), it displays the menu screen A shown in FIG. 4 on the display unit 120 (step S101). The menu screen A displays multiple soft buttons for performing various transactions. Among the multiple soft buttons is a soft button A1 labeled "Display passbook/transfer to smartphone." Note that the finger shown superimposed on some screen examples including the menu screen A does not represent an image displayed on the display unit 120 or 220, but is a schematic representation of the finger of the user performing a touch operation on the display unit 120 or 220.

When the user touches the soft button A1 (in other words, the automated transaction device 10 accepts the touch operation on the soft button A1) (step S102), the automated transaction device 10 displays the guide screen B shown in FIG. 4 on the display unit 120 (step S103). The guide screen B displays information instructing the user to lean the mobile terminal device 20, which is in a power-on state, against the stand 15. The guide screen B also displays a soft button B1 labeled "Next."

When the user follows the instructions on the guide screen B, places the mobile terminal device 20 on the stand 15, and touches the soft button B1 (step S104), a short-range wireless connection is established between the automated transaction device 10 and the mobile terminal device 20 (step S105). This connection establishment process is well known, so a detailed description thereof will be omitted.

To reduce the operational burden on the user, the soft button B1 may be omitted. In this case, for example, when the user places the mobile terminal device 20 against the stand 15, a short-range wireless connection between the automated transaction device 10 and the mobile terminal device 20 is automatically established.

When a short-distance wireless connection is established between the automated transaction device 10 and the mobile terminal device 20, the automated transaction device 10 displays the guide screen C shown in FIG. 4 on the display unit 120 (step S106). The guide screen C displays information instructing the user to insert the cash card into the card slot 11.

When the cash card is inserted into the card slot 11, the automated transaction device 10 displays the PIN entry screen D shown in FIG. 4 on the display unit 120 (step S107). If the PIN entered on the PIN entry screen D is successfully authenticated, the automated transaction device 10 requests image data of the user's paper passbook from the host computer 30 (step S108).

The image database 310 provided in the host computer 30 will now be described. Figure 5 shows an example of the image database 310.

As shown in FIG. 5, each record in the image database 310 includes a unique user ID, a user name, link information for image data, etc. The link information registered in each record indicates a link destination where image data that is an image of the corresponding user's paper passbook is stored. The image data may be stored in the host computer 30 or in a separate server.

Image data of a user's paper passbook is, for example, created by inputting text data showing transaction history into a spreadsheet in the same format as the paper passbook (i.e., a spreadsheet that imitates a paper passbook) and saving it as image data. The input text uses, for example, the same font as the characters printed on the paper passbook.

This image data may be a passbook image in the same format as a paper passbook (an image in which text data can be entered into each line of the passbook) with text data indicating the transaction history entered into it.

This image data may be obtained by scanning an actual paper passbook on which the transaction history is printed, or may be hard copy data (capture data) of the screen displayed on the display unit 120 (a screen showing the transaction history in the same format as the paper passbook, displayed on the display unit 120 by a program).

When a user performs a transaction via the automated transaction device 10 or at a financial institution's counter, the transaction history is registered in the host computer 30. The transaction history is registered, for example, by a method well known in the technical field to which the invention pertains to this patent application belongs. Therefore, in this embodiment, a detailed description of the transaction history registration process is omitted.

When the host computer 30 registers the transaction history, it updates the image database 310 using the registered transaction information. Figure 6 is a flowchart showing an example of the process of updating the image database 310.

As shown in FIG. 6, the host computer 30 searches the records registered in the image database 310 for a record corresponding to the user who performed the transaction (step S201). The host computer 30 selects the corresponding image data from the image data stored at the link destination indicated by the link information registered in the searched record (step S202).

The linked page contains multiple image data of the pages of the user's paper passbook. In step S202, the host computer 30 selects image data of a page that contains, for example, the first blank line (in other words, the line where the current transaction history is to be written) among pages that contain lines where no transaction history is written (hereinafter referred to as "blank lines").

The host computer 30 inputs text data indicating the transaction history just registered into the first blank line in the image data selected in step S202 and saves it as image data (step S203).

Figure 7 is a diagram showing an example of image data stored in the image database 310. In the example of Figure 7, the second line from the bottom is the first blank line. For convenience, this line is labeled with the symbol BL. In step S203, the host computer 30 inputs text data indicating the currently registered transaction history into the blank line BL, as shown in Figure 7.

Returning to the explanation of the sequence diagram in FIG. 3, the request from the automated transaction device 10 includes, for example, a user ID assigned to the user. When the host computer 30 accepts the request from the automated transaction device 10, it searches for the corresponding user's record from among the records registered in the image database 310 based on the user ID (step S109).

The host computer 30 transmits the image data stored in the link destination indicated by the link information registered in the record searched in step S109 to the automated transaction device 10 (step S110).

The automated transaction device 10 receives the group of image data sent by the host computer 30 (step S111).

The automated transaction device 10 selects one image data from the received image data group and displays it on the display unit 120 (step S112). The selected and displayed image data is, for example, image data of a paper passbook, and is the image data of the page that includes the last line on which the transaction history is recorded.

By executing the process of step S112, the paper passbook screen E shown in FIG. 4 is displayed on the display unit 120. The paper passbook screen E displays a paper passbook image E0 and soft buttons E1 to E7.

Soft buttons E1 and E2 are labeled "previous page" and "next page," respectively. By touching soft button E1 or E2, the user can switch the paper passbook image E0 displayed on the paper passbook screen E to a paper passbook image E0 of another page. The user can also switch the paper passbook image E0 to a paper passbook image E0 of another page by touching the paper passbook image E0 displayed on the paper passbook screen E and flicking or swiping the touching finger upward or downward.

Soft buttons E3 to E5 are labeled "Normal", "Term deposit", and "General", respectively. The image data group received from host computer 30 includes image data of at least one paper passbook among a normal deposit passbook, a fixed term deposit passbook, and a general account passbook. By touching any of soft buttons E3 to E5, the user can switch the paper passbook image E0 displayed on the paper passbook screen E to the paper passbook image E0 of a different paper passbook.

In this way, in step S112, the automated transaction device 10 operates as a transaction image display unit 100A that displays an image of a paper passbook, which is an example of a transaction image, on the display unit 120.

The soft button E6 is labeled "Send." When the user touches the soft button E6 (step S113), the automated transaction device 10 transmits (transfers) the image data of the paper passbook image E0 currently displayed on the paper passbook screen E (hereinafter referred to as "paper passbook image data E0'") to the mobile terminal device 20 (step S114).

In addition, the automated transaction device 10 expands image data acquired through communication with the host computer 30 into the work area of the processor 100, and displays the paper passbook image E0 on the paper passbook screen E based on this image data. When the user touches the soft button E6, the automated transaction device 10 captures the paper passbook image E0 currently displayed on the paper passbook screen E expanded into the work area (i.e., generates paper passbook image data E0' of the paper passbook image E0), and transmits (transfers) it to the mobile terminal device 20.

Soft button E7 is labeled "End." When the user touches soft button E7, the sequence shown in FIG. 3 ends. When the user touches soft button E7 without touching soft button E6, this sequence ends without the paper passbook image data E0' being sent from the automated transaction device 10 to the mobile terminal device 20.

In this way, in step S114, the automated transaction device 10 operates as an image data transmission/reception unit 100B that transmits image data of the transaction image displayed on the display unit 120, which is an example of an automated transaction device-side display unit, to the mobile terminal device 20. In addition, in step S114, the automated transaction device 10 also operates as a generation unit that generates (captures) image data of the transaction image displayed on the display unit 120.

In step S114, the automated transaction device 10 transmits the paper passbook image data E0' to the mobile terminal device 20 even when the paper passbook screen E is touched and the touching finger is flicked or swiped to the left (an example of the first direction) (in other words, when the automated transaction device 10 receives a user operation to move the touching finger on the display unit 120 in the first direction).

The mobile terminal device 20, propped up against the stand 15, is located to the left of the display unit 120 that displays the paper passbook image E0. Therefore, the above may be read as "The automated transaction device 10 transmits the paper passbook image data E0' to the mobile terminal device 20 even when the paper passbook screen E is touched and the touching finger is flicked or swiped toward the mobile terminal device 20."

In this way, the user can send the paper passbook image data E0' from the automated transaction device 10 to the mobile terminal device 20 simply by performing an intuitive operation of flicking or swiping the display unit 120 toward the mobile terminal device 20.

The automated transaction device 10 may determine the range of image data to be sent to the mobile terminal device 20 depending on the number of fingers of the user performing the flick or swipe operation.

For example, when a flick or swipe operation is performed with one finger, the automated transaction device 10 transmits the entire image data of the paper passbook image E0 currently displayed on the paper passbook screen E to the mobile terminal device 20.

For example, when a flick or swipe operation is performed with two fingers, the automated transaction device 10 crops the image within the range pinched between the two fingers from the paper passbook image E0 currently displayed on the paper passbook screen E, and transmits the cropped image data to the mobile terminal device 20. In this case, image data obtained by cutting out some of the lines within the page indicated by the paper passbook image E0 currently displayed on the paper passbook screen E is transmitted to the mobile terminal device 20.

For example, when a flick or swipe operation is performed with three or more fingers or with the palm of the hand touching the display unit 120, the automated transaction device 10 transmits image data of all pages of the paper passbook being displayed to the mobile terminal device 20.

In this way, the user can change the range of image data sent to the mobile terminal device 20 by intuitively performing an operation such as changing the number of fingers used during a flick or swipe operation.

The mobile terminal device 20 receives the paper passbook image data E0' sent from the automated transaction device 10 in step S114 (step S115) and stores it in the memory 210, which is an example of a specified storage medium (step S116).

As described above, the paper passbook image data E0' is image data in a general-purpose format. Therefore, the user can view the image of the paper passbook (e.g., paper passbook image E0) using standard image viewing software built into the mobile terminal device 20, as exemplified by symbol F in FIG. 4. Therefore, the system administrator does not need to develop new formats or applications for the terminal device. In addition, the user can easily intuitively understand the contents of the transaction details.

Processing Example 2
A description will be given of Processing Example 2. Note that in Processing Examples 2 and 3, descriptions of contents that overlap with Processing Example 1 will be omitted or simplified as appropriate.

Figure 8 is a sequence diagram of processing executed in the data transmission/reception system 1 according to processing example 2 of the present invention. Figure 9 is a diagram that assists in explaining the sequence diagram shown in Figure 8. In general, in processing example 2, image data of a transfer transaction (an example of image data of a transaction image) is transmitted from the automated transaction device 10 to the mobile terminal device 20 in response to a user request.

The transaction image in processing example 2 includes information about the transfer destination. In processing example 2, the user can view the transfer destination information of a previous transfer transaction on the mobile terminal device 20. In processing example 2, image data in a general-purpose format is simply sent from the automated transaction device 10 to the mobile terminal device 20. The mobile terminal device 20 can allow the user to view the transfer destination information simply by displaying image data in this general format. Therefore, the system administrator does not need to develop a new dedicated application.

When the automated transaction device 10 detects the approach of a user, it displays a menu screen A similar to that shown in FIG. 4 on the display unit 120 (step S301). Among the multiple soft buttons on the menu screen A, there is a soft button A2 labeled "Transfer."

When the user touches the soft button A2 (step S302), the automated transaction device 10 displays the guide screen B similar to that of FIG. 4 on the display unit 120 (step S303). When the user places the mobile terminal device 20 against the stand 15 and touches the soft button B1 (step S304), the automated transaction device 10 establishes a short-range wireless connection with the mobile terminal device 20 (step S305) and displays the guide screen C similar to that of FIG. 4 on the display unit 120 (step S306). When the cash card is inserted into the card slot 11, the automated transaction device 10 displays the PIN input screen D similar to that of FIG. 4 on the display unit 120 (step S307). When the PIN input on the PIN input screen D is successfully authenticated, the automated transaction device 10 displays the transfer destination input screen on the display unit 120 (step S308).

In addition, a soft button B2 for skipping the process is displayed on the guidance screen B. When the user touches the soft button B2, the automated transaction device 10 displays the guidance screen C on the display unit 120 without performing the connection establishment process of step S305.

When the user has completed inputting the transfer destination information on the transfer destination input screen, the automated transaction device 10 displays the transfer confirmation screen G shown in FIG. 9 on the display unit 120 (step S309). The transfer confirmation screen G displays the transfer destination information entered on the transfer destination input screen and multiple soft buttons. Among the multiple soft buttons is a soft button G1 labeled "Confirm."

When the user touches soft button G1 (step S310), the automated transaction device 10 creates a message based on the information entered by the user on the transfer destination input screen (in other words, the input information displayed on the transfer confirmation screen G) and sends the created message to the host computer 30 (step S311). This causes the host computer 30 to perform a transfer process to the transfer destination account (step S312). The transfer process is performed, for example, by a method well known in the technical field to which the invention pertains to this patent application belongs. Therefore, a detailed description of the transfer process will be omitted in this embodiment.

When the host computer 30 notifies the completion of the transfer process (step S313), the automated transaction device 10 displays the transfer result screen H shown in FIG. 9 on the display unit 120 (step S314). The transfer result screen H displays a transfer destination image H0, which shows information about the current transfer destination, and soft buttons H1 and H2.

The soft button H1 is labeled "Send." When the user touches the soft button H1 (step S315), the automated transaction device 10 captures the transfer destination image H0 (step S316) and transmits (transfers) the image data of the captured transfer destination image H0 (hereinafter referred to as "transfer destination image data H0'") to the mobile terminal device 20 (step S317).

In this way, the automated transaction device 10 displays the transfer destination image H0 on the display unit 120 based on the information indicating the result of the transfer process, generates transfer destination image data H0' for the displayed transfer destination image H0, and transmits (transfers) it to the mobile terminal device 20.

Soft button H2 is labeled "End." When the user touches soft button H2, the sequence shown in FIG. 8 ends. When the user touches soft button H2 without touching soft button H1, this sequence ends without the transfer destination image data H0' being sent from the automated transaction device 10 to the mobile terminal device 20.

In step S316, the automated transaction device 10 also transmits the transfer destination image data H0' to the mobile terminal device 20 when the transfer result screen H is touched and the touching finger is flicked or swiped toward the mobile terminal device 20.

In this way, the user can send the transfer destination image data H0' from the automated transaction device 10 to the mobile terminal device 20 simply by performing the intuitive operation of flicking or swiping the display unit 120 toward the mobile terminal device 20.

If the mobile terminal device 20 is not placed against the stand 15 (in other words, if a connection with the mobile terminal device 20 has not been established), the transmission of the transfer destination image data H0' will result in an error, and the sequence shown in FIG. 8, for example, will end.

The mobile terminal device 20 receives the transfer destination image data H0' sent by the automated transaction device 10 in step S316 (step S318) and stores it in the memory 210, which is an example of a specified storage medium (step S319).

Figure 10 shows an example of a transfer destination image H0. The transfer destination image H0 includes the transfer destination information such as the financial institution name, branch name, account number, recipient name, requester name, telephone number, and transfer amount.

The transfer destination image data H0' is image data in a general-purpose format, similar to the paper passbook image data E0'. Therefore, the user can view the transfer destination information (e.g., the transfer destination image H0) using standard image viewing software built into the mobile terminal device 20, as exemplified by symbol I in Figure 9. Therefore, the system administrator does not need to develop a new dedicated application.

Processing Example 3
Fig. 11 is a sequence diagram of processing executed in the data transmission and reception system 1 according to processing example 3 of the present invention. Fig. 12 is a diagram that assists in the explanation of the sequence diagram shown in Fig. 11. In summary, in processing example 3, transfer destination information is automatically input in response to a user request, and the automatically input transfer destination information is used to execute the transfer process.

In processing example 3, the transfer destination information is automatically input using the transfer destination image data H0' illustrated in FIG. 10. Therefore, the user does not need to manually input the transfer destination information. Since the transfer destination information is automatically input using the transfer destination image data H0' in a general-purpose format, for example, a transfer card is not required, and a complex mechanism for managing the transfer destination information on the system side is also not required.

When the automated transaction device 10 detects the approach of a user, it displays menu screen A similar to that shown in FIG. 4 on the display unit 120 (step S401).

When the user touches the soft button A2 (step S402), the automated transaction device 10 displays the guide screen B similar to that of FIG. 4 on the display unit 120 (step S403). When the user places the mobile terminal device 20 against the stand 15 and touches the soft button B1 (step S404), the automated transaction device 10 establishes a short-range wireless connection with the mobile terminal device 20 (step S405) and displays the guide screen C similar to that of FIG. 4 on the display unit 120 (step S406). When the cash card is inserted into the card slot 11, the automated transaction device 10 displays the PIN input screen D similar to that of FIG. 4 on the display unit 120 (step S407). When the PIN input on the PIN input screen D is successfully authenticated, the automated transaction device 10 displays the transfer destination input screen on the display unit 120 (step S408).

Symbol J in FIG. 12 indicates an example of a transfer destination input screen. On the transfer destination input screen J, multiple soft buttons are displayed for specifying the transfer destination financial institution. When any of the multiple soft buttons is touched, the automated transaction device 10 transitions to a normal transfer destination input screen that allows the user to manually input the transfer destination information.

A predetermined message is also displayed on the transfer destination input screen J. For example, a message such as "Display the transfer destination image H0 on the display unit 220 of the mobile terminal device 20, and flick or swipe the displayed transfer destination image H0 towards the display unit 120 of the automated transaction device 10" is displayed.

As indicated by the symbol K in FIG. 12, when the user follows the message to display the transfer destination image H0 on the display unit 220 of the mobile terminal device 20 and performs a flick or swipe operation toward the display unit 120 on the displayed transfer destination image H0 (step S409), the mobile terminal device 20 transmits (transfers) the transfer destination image data H0' to the automated transaction device 10 (step S410).

In this way, the mobile terminal device 20 has a display unit 220 (an example of a mobile terminal device-side display unit) that displays an image based on image data stored in the memory 210 (an example of a specified storage medium), and in step S410, the image data of the image displayed on the display unit 220, which is the image data stored in the memory 210, is transmitted to the automated transaction device 10.

The image data stored in memory 210 is image data of a transaction image that includes information about the transaction, and is image data that the mobile terminal device 20 received from the automated transaction device 10 and stored in memory 210 (in this embodiment, transfer destination image data H0').

In addition, in step S410, when the image displayed on the display unit 220 is touched and the touching finger is flicked or swiped to the right (an example of the second direction) (in other words, when the mobile terminal device 20 receives a user operation to move the touching finger on the display unit 220 in the second direction), the mobile terminal device 20 transmits image data of the image to the automated transaction device 10.

When the automated transaction device 10 receives the transfer destination image data H0' sent from the mobile terminal device 20 (step S411), it recognizes the characters in the transfer destination image H0 and extracts the transfer destination information from the recognized characters (step S412).

For example, the automated transaction device 10 recognizes the characters in the transfer destination image H0 using OCR (Optical Character Recognition). The automated transaction device 10 detects specific characters (financial institution name, branch name, account number, recipient name, requester name, telephone number, transfer amount, etc.) from the recognized characters using pattern matching, and extracts the characters following each detected character (Fujitsu Bank, Tokyo Branch, Ordinary Account 123456, Fujitsu Taro, Fujitsu Hanako, 098-765-4321, 12,000 yen, etc.) as transfer destination information.

In this way, in step S412, the automated transaction device 10 operates as a transfer destination information extraction unit 100C that extracts the transfer destination information from the image data of the transfer transaction that includes the transfer destination information (in this embodiment, the transfer destination image data H0').

If image data that does not include information about the transfer destination is sent from the mobile terminal device 20 to the automated transaction device 10, the automated transaction device 10 cannot extract the information about the transfer destination in step S412. In this case, the automated transaction device 10 notifies the user to send correct image data, for example by displaying an alert on the display unit 120.

The automated transaction device 10 automatically inputs the transfer destination information extracted in step S412 (step S413). As an example, the character string "Fujitsu Bank", which follows "Financial institution name" and was extracted as the transfer destination information, is automatically input as the financial institution name. Other items (such as "branch name") are automatically input in the same manner.

The automated transaction device 10 displays the transfer confirmation screen L (see FIG. 12) after the automatic input on the display unit 120 (step S414). The transfer confirmation screen L is the same as the transfer confirmation screen G shown in FIG. 9, for example.

The transfer confirmation screen L includes a soft button L1 labeled "Confirm." It also includes soft buttons L2 to L6 for correcting information that has been automatically entered into each field. The user can press the soft button (any of soft buttons L2 to L6) of the field they wish to correct, and then correct the information in the field that was pressed. Note that the transfer amount of soft button L6 is generally changed frequently, even for the same transfer destination.

When the user touches the soft button L1 (step S415), the automated transaction device 10 creates a message based on the input information displayed on the transfer confirmation screen L and transmits the created message to the host computer 30 (step S416). This causes the host computer 30 to perform a transfer process to the transfer destination account (step S417).

When the host computer 30 notifies the user that the transfer process is complete (step S418), the automated transaction device 10 displays a transfer result screen H similar to that shown in FIG. 9 on the display unit 120 (step S419).

In this way, in steps S416 to S419, the automated transaction device 10 operates as a transfer transaction execution unit 100D that executes a transfer transaction based on the transfer destination information extracted in step S412. In other words, in steps S416 to S419, the automated transaction device 10 executes a transaction based on the image data received from the mobile terminal device 20 (in this embodiment, the transfer destination image data H0').

The information on the transfer destination may be updated by inputting corrections on the transfer confirmation screen L. Therefore, when the user touches the soft button H1 on the transfer result screen H (step S420), the automated transaction device 10 captures the transfer destination image H0 (step S421) and transmits (transfers) the transfer destination image data H0' of the captured transfer destination image H0 to the mobile terminal device 20 (step S422).

Next, the mobile terminal device 20 receives the transfer destination image data H0' (step S423) and stores it in the memory 210 (step S424). The next time the user inputs the transfer destination information, the user can have the updated information automatically input into the automated transaction device 10. Note that if no corrections have been made to the transfer confirmation screen L, for example, the processing from step S420 onwards may be omitted.

In processing example 3, the transfer destination information is automatically entered, reducing the burden of input operations on the user. In addition, because the transfer destination information is automatically entered using transfer destination image data H0' in a general-purpose format, for example, a transfer card is not required, and a complex mechanism for managing the transfer destination information on the system side is not required.

The present invention is not limited to the above-described embodiment as it is, and the components can be modified and embodied without departing from the gist of the invention at the implementation stage. In addition, various inventions can be formed by appropriately combining the multiple components disclosed in the above embodiments. For example, all the components shown in the embodiments may be appropriately combined. Furthermore, components from different embodiments may be appropriately combined. In this way, various modifications and applications are possible within the scope of the invention.

The following additional notes are given regarding the present invention.
[Appendix 1]
An automated transaction device;
A portable terminal device communicably connected to the automated transaction device,
One of the automated transaction machine and the portable terminal device transmits image data to the other of the automated transaction machine and the portable terminal device;
The other device receives the image data transmitted from the one device.
Data transmission and reception system.
[Appendix 2]
The automated transaction device includes:
a display unit on the automated teller machine for displaying an image;
transmitting image data of the image displayed on the display unit of the automated transaction device to the portable terminal device;
2. A data transmission and reception system as described in claim 1.
[Appendix 3]
The image displayed on the display unit of the automated transaction device is a transaction image including information related to the transaction.
3. A data transmission and reception system as described in appendix 2.
[Appendix 4]
The transaction image is an image of a paper passbook or an image of a transfer transaction including information on a transfer destination.
4. A data transmission and reception system as described in appendix 3.
[Appendix 5]
the automated transaction device display unit is a touch-operable display unit,
the automated transaction machine transmits the image data to the mobile terminal device when the automated transaction machine receives a user's operation of moving a finger touching the automated transaction machine display unit in a first direction;
A data transmission/reception system according to any one of claims 2 to 4.
[Appendix 6]
the automated transaction machine determines a range of the image data to be transmitted to the mobile terminal device according to the number of fingers of the user performing the operation;
6. A data transmission and reception system as described in appendix 5.
[Appendix 7]
the automated transaction machine includes a placement unit on which the mobile terminal device is placed,
The portable terminal device is placed on the placement unit, and is positioned on the first direction side with respect to the display unit of the automatic transaction machine.
7. A data transmission/reception system according to claim 5 or 6.
[Appendix 8]
The mobile terminal device
a portable terminal device display unit that displays an image based on image data stored in a predetermined storage medium;
transmitting image data of an image displayed on the display unit of the mobile terminal device and stored in the storage medium to the automated transaction device;
A data transmission/reception system according to any one of claims 1 to 7.
[Appendix 9]
The image data stored in the storage medium is image data of a transaction image including information related to the transaction, and is image data received by the mobile terminal device from the automated transaction device and stored in the storage medium.
9. A data transmission and reception system as described in appendix 8.
[Appendix 10]
the automated transaction machine executes a transaction based on the image data received from the mobile terminal device.
10. A data transmission and reception system as described in appendix 9.
[Appendix 11]
The image data stored in the storage medium is image data of a transfer transaction including information on a transfer destination,
The automated transaction device includes:
Extracting the information of the transfer destination from the image data;
Execute a transfer transaction based on the extracted transfer destination information;
11. A data transmission and reception system as described in appendix 10.
[Appendix 12]
the mobile terminal device display unit is a touch-operable display unit,
When the mobile terminal device receives a user's operation of moving a finger touching the mobile terminal device display unit in a second direction, the mobile terminal device transmits the image data stored in the storage medium to the automated transaction machine.
A data transmission/reception system according to any one of claims 8 to 11.
[Appendix 13]
When the mobile terminal device is placed on the placement unit, the display unit of the automated transaction machine is located on the second direction side with respect to the display unit of the mobile terminal device.
A data transmission and reception system according to claim 12, which cites claims 7 and 8.
[Appendix 14]
An automated teller machine communicably connected to a mobile terminal device,
performing at least one of a transmission process for transmitting image data to the portable terminal device and a reception process for receiving image data transmitted from the portable terminal device;
Automated trading device.
[Appendix 15]
A display unit for displaying an image is provided,
transmitting image data of the image displayed on the display unit to the mobile terminal device;
15. The automated transaction device according to claim 14.
[Appendix 16]
A mobile terminal device communicably connected to an automated transaction device,
performing at least one of a transmission process of transmitting image data to the automated transaction device and a reception process of receiving the image data transmitted from the automated transaction device;
Mobile terminal device.
[Appendix 17]
a display unit that displays an image based on image data stored in a predetermined storage medium;
transmitting image data of the image displayed on the display unit and stored in the storage medium to the automated transaction device;
17. A mobile terminal device as described in appendix 16.
[Appendix 18]
A data transmission and reception method executed by an automated transaction device and a mobile terminal device communicably connected to the automated transaction device, comprising:
One of the automated transaction machine and the portable terminal device transmits image data to the other of the automated transaction machine and the portable terminal device;
The other device receives the image data transmitted from the one device.
How data is sent and received.
[Appendix 19]
The automated teller machine having an automated teller machine side display unit,
Displaying an image on the display unit of the automated transaction device;
transmitting image data of the image displayed on the display unit of the automated transaction device to the portable terminal device;
19. The data transmission and reception method according to claim 18.
[Appendix 20]
when the automated transaction machine receives a user's operation of moving a finger touching the automated transaction machine display unit in a first direction, the automated transaction machine transmits the image data to the mobile terminal device;
20. The data transmission and reception method according to claim 19.
[Appendix 21]
The mobile terminal device includes a mobile terminal device-side display unit,
displaying an image on the display unit of the portable terminal device based on image data stored in a predetermined storage medium;
transmitting image data of an image displayed on the display unit of the mobile terminal device and stored in the storage medium to the automated transaction device;
21. A data transmission and reception method according to any one of Supplementary Notes 18 to 20.
[Appendix 22]
When the mobile terminal device receives a user's operation of moving a finger touching the mobile terminal device display unit in a second direction, the mobile terminal device transmits the image data stored in the storage medium to the automated transaction device.
22. The data transmission and reception method according to claim 21.

1: Data transmission/reception system 10: Automatic transaction device 11: Card slot 12: Passbook slot 13: Bill slot 14: Coin slot 15: Stand 20: Portable terminal device 30: Host computer 100: Processor 100A: Transaction image display unit 100B: Image data transmission/reception unit 100C: Transfer destination information extraction unit 100D: Transfer transaction execution unit 110: Memory 112: Program 120: Display unit 130: Input unit 140: Passbook processing unit 150: Card processing unit 160: Bill processing unit 170: Coin processing unit 180: Communication unit 200: Processor 200A: Transaction image display unit 200B: Image data transmission/reception unit 210: Memory 212: Program 220: Display unit 230: Operation unit 240: Communication unit 310: Image database

Claims (4)

An automated teller machine communicably connected to a mobile terminal device,
The image data includes information about the transaction, and is obtained from a plurality of image data obtained by imaging each page of the user's paper passbook, the image data including the last line on which the transaction history is recorded;
Displaying an image on a display unit based on the acquired image data;
transmitting image data obtained by capturing the image displayed on the display unit to the mobile terminal device;
Automated trading device. The captured image data includes a record of the transfer transaction, including information on the transfer destination, displayed on the display unit based on information indicating the result of the transfer process;
a receiving unit for receiving the captured image data transmitted from the mobile terminal device;
a transfer transaction execution unit that executes a transfer transaction based on the received captured image data,
2. The automated transaction device according to claim 1. A data transmission and reception method executed by an automated transaction device and a mobile terminal device communicably connected to the automated transaction device, comprising:
The automated transaction device includes:
The image data includes information about the transaction, and is obtained from a plurality of image data obtained by imaging each page of the user's paper passbook, the image data including the last line on which the transaction history is recorded;
Displaying an image on a display unit based on the acquired image data;
transmitting image data obtained by capturing the image displayed on the display unit to the mobile terminal device;
How data is sent and received. The captured image data includes a record of the transfer transaction, including information on the transfer destination, displayed on the display unit based on information indicating the result of the transfer process;
The mobile terminal device
Transmitting the captured image data to the automated transaction device;
The automated transaction device includes:
receiving the captured image data transmitted from the mobile terminal device;
executing a transfer transaction based on the received captured image data;
The data transmitting and receiving method according to claim 3.

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