JP2011164880A - Device for management of fund transfer transaction - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve security of a fund transfer transaction performed by an ATM. <P>SOLUTION: A transaction management system 13 is connected to a mobile phone 11 with a GPS function that can acquire the position of a user who operates an ATM to perform a fund transfer transaction in a communicable way and allows an ATM lock service which restricts a fund transfer transaction in the ATM. The system includes: acquiring the position of the user together with a request for releasing a restriction by an ATM lock service for executing a fund transfer transaction in an ATM of a correspondent bank from the mobile phone 11 with a GPS function; acquiring map information including the acquired position of the user from a map information providing system 12; extracting a branch office or local office of the correspondent bank located within a designated distance from the position of the user; and releasing a restriction by an ATM lock service for an ATM installed in the extracted branch office or local office. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a technique for processing a transaction involving money transfer performed by an ATM (Automatic Teller Machine).

  An ATM lock service (lock function: restriction service) that prevents an ATM from being easily used as a security measure against fraudulent transactions or the like in funds transfer transactions performed by ATMs is known. The ATM lock service is for users to register for their account from internet banking, mobile banking, etc., and it is not possible to conduct transactions such as withdrawals at ATMs unless the registration is canceled (example: patent) Reference 1). When a user conducts a fund transfer transaction at an ATM, it is necessary to log in to Internet banking or mobile banking in advance to cancel the registration of the ATM lock service, that is, to perform a transaction validation procedure. When the ATM funds transfer transaction reaches a predetermined number of times or when a predetermined time comes from the time when the activation procedure is performed, the subsequent transaction is invalidated even if it is attempted.

JP 2007-011755 A

  However, if the transaction validation procedure is performed, fraudulent transactions using cash cards that have been forged by skimming or the like can be made at the time of validation even if temporarily, improving security measures in funds transfer transactions conducted at ATMs. There is room for it.

  Therefore, an object of the present invention is to improve security in a fund transfer transaction performed at an ATM.

In order to achieve the above object, in the present invention, when performing a money transfer transaction, available ATMs are locally limited based on position information acquired by a mobile phone with a GPS (Global Positioning System) function. It is also possible to limit financial institutions.
Details will be described later.

  ADVANTAGE OF THE INVENTION According to this invention, the security in the fund transfer transaction performed by ATM can be improved.

It is a figure which shows the whole network structure of this embodiment. It is a figure which shows the function structure of the transaction management system 13. It is a figure which shows the function structure of the bank account system 14. It is a figure which shows the database structure of master information. It is a flowchart which shows the process required for the validation procedure of the fund transfer transaction in the mobile telephone 11 with a GPS function. It is an example of the screen of the transaction validation site displayed on the display part of the mobile telephone 11 with a GPS function. It is a flowchart which shows the process required for the validation procedure of the fund transfer transaction in the transaction management system 13. It is a flowchart which shows the process required for the fund transfer transaction in the bank account system 14.

  Next, modes for carrying out the present invention (hereinafter referred to as “embodiments”) will be described with reference to the drawings as appropriate.

≪Configuration≫
FIG. 1 is a diagram showing the entire network configuration of the present embodiment. In the present embodiment, a mobile phone with a GPS function (sometimes simply referred to as a “mobile phone”. Mobile terminal) 11, a map information providing system (external) 12, a transaction management system (fund transfer transaction management device) ) 13, the bank account system 14 and the bank account system 15 constitute a network. The mobile phone 11 with GPS function, the map information providing system 12 and the transaction management system 13 are communicably connected via the Internet or a dedicated line. Transaction management system 13 and transaction bank account system 14 are communicably connected via an internal network (for example, a LAN (Local Area Network)) of the transaction bank center. The bank account system 14 and the bank account system 15 are communicably connected via the Zengin system. The Zengin System fulfills the function of performing settlement between financial institutions in a funds transfer transaction by a user, but detailed description thereof is omitted.

  The mobile phone 11 with a GPS function is a mobile terminal possessed by a user who performs a fund transfer transaction by ATM, acquires location information of the mobile phone itself by the GPS function, or registers an ATM lock service provided by a transaction bank or Accept user operations necessary for release.

  The map information providing system 12 is, for example, a map database server operated by an ASP (Application Service Provider) provider, and transmits map information to a request source or publishes map information on the web.

  The transaction management system 13 is a management server possessed by a transaction bank center of a transaction bank that has opened an account held by a user, and realizes information processing required for an ATM lock service related to a user's ATM fund transfer transaction.

  The transaction bank account system 14 is a management server owned by the transaction bank center, and is connected to an ATM of the transaction bank so as to be communicable. Information required for a fund transfer transaction performed at the transaction bank ATM (or an ATM of another bank). Realize processing.

  The other bank account system 15 is a management server possessed by another bank center which is a center of a bank other than the bank, and is connected so as to be able to communicate with the ATM of the other bank, and the ATM of the other bank (or the ATM of the bank). Information processing required for funds transfer transactions made in is realized.

  The mobile phone 11 with GPS function, the map information providing system 12, the transaction management system 13, the transaction bank account system 14 and the other bank account system 15 are respectively an input unit, a control unit (eg, CPU (Central Processing Unit)), It is a computer having hardware resources such as a communication unit, a storage unit (for example, HDD (Hard Disk Drive), ROM (Read Only Memory), RAM (Random Access Memory)) and an output unit. In these computers, the control unit reads a program stored in the storage unit into a storage area, and executes a code described in the program. Thereby, the information processing of the present invention is realized.

  FIG. 2 is a diagram showing a functional configuration of the transaction management system 13. The transaction management system 13 includes a browser page providing unit 201, an account number specifying unit 202, an ATM type determining unit 203, a map information acquiring unit 204, a branch / branch office information extracting unit 205, a store number specifying unit 206, and a transaction validating range setting unit 207. And the financial institution code specific | specification part 208 is provided in the control part of the transaction management system 13, for example as a function structure. Further, the transaction management system 13 uses, as master information, a user master 211, a store number master (branch / branch office identification information) 212, a financial institution code master (financial institution identification information) 213, and a transaction validation range management master 214, for example. The storage unit of the transaction management system 13 is provided. Details of the master information will be described later with reference to FIG.

  The browser page providing unit 201 displays a screen necessary for registration or cancellation of the ATM lock service on the display unit of the mobile phone 11 with a GPS function, and publishes a website for the ATM lock service.

The account number specifying unit 202 specifies the account number of a bank account held by the user of the mobile phone 11 with GPS function. The identification of the account number can be realized by referring to the user master 211, for example.
The ATM type determination unit 203 is a type of ATM that the user of the mobile phone 11 with GPS function will use to perform a fund transfer transaction, specifically, whether it is an ATM of a transaction bank or another bank. It is judged whether it is ATM.

  The map information acquisition unit 204 mainly acquires map information corresponding to the position information indicating the position of the user who performs the fund transfer transaction from the map information providing system 12 via the communication unit.

  The branch / branch office information extraction unit 205 extracts branch / branch office information including the location and name of the branch or branch office of the bank included in the acquired map information. This extraction can be realized, for example, by defining a condition such as a branch or branch office of a bank that is located within a specified distance from the user's position, and filtering whether or not the condition is satisfied.

  The store number specifying unit 206 specifies the store number of the branch or branch office of the bank included in the branch / branch office information. The identification of the store number can be realized by referring to the store number master 212, for example.

  The transaction valid range setting unit 207 includes a browser page providing unit 201, an account number specifying unit 202, an ATM type determining unit 203, a map information acquiring unit 204, a branch / branch office information extracting unit 205, a store number specifying unit 206, and a financial institution code specifying. Based on the processing result of the unit 208, a range in which a fund transfer transaction of the user who has performed the validation procedure is allowed, particularly a regional range, is set, and corresponding information is created. The created information is registered in the transaction validation range management master 214. The master information of the transaction validation range management master 214 is transmitted to the transaction bank account system 14 and is handled as master information of the transaction validation range management master (account system) 311.

  The financial institution code specifying unit 208 specifies the financial institution code of another bank that is the target of the money transfer transaction when the user performs the money transfer transaction. The identification of the financial institution code can be realized by referring to the financial institution code master 213, for example.

  FIG. 3 is a diagram showing a functional configuration of the bank account system 14. The transaction bank account system 14 includes, for example, a control unit of the transaction bank account system 14 with the function configuration of the unauthorized transaction prevention registration determination unit 301, the ATM type determination unit 302, the financial institution code comparison unit 303, and the store number comparison unit 304. I have. Further, the transaction bank account system 14 includes, for example, a storage unit of the transaction bank account system 14 as a transaction validation range management master (account system) 311 as master information.

  The fraudulent transaction prevention registration determination unit 301 determines whether or not the user who performs the fund transfer transaction has performed fraudulent transaction prevention registration, that is, whether or not the ATM lock service is being used. Whether or not prevention registration is performed can be determined, for example, by referring to the transaction validation range management master 311.

  The ATM type determination unit 302 is the type of ATM used when the user of the mobile phone 11 with GPS function is conducting a fund transfer transaction, specifically, the ATM of the bank or the ATM of another bank. It is determined whether it is. The determination of the ATM type can be realized, for example, by referring to the transaction validation range management master (account system) 311.

  The financial institution code comparison unit 303 is configured so that the financial institution code of another bank that is the target of the fund transfer transaction when the user performs the fund transfer transaction is the other bank that is the target of the fund transfer transaction when the user performs the validation procedure. Judgment is made by comparing whether or not it matches the other financial institution code. This comparison can be realized, for example, by referring to the transaction validation range management master (account system) 311.

  The store number comparison unit 304 indicates that the store number of the bank that is the target of the fund transfer transaction when the user performs the fund transfer transaction matches the store number of the bank that is the target of the fund transfer transaction when the activation procedure is performed. It is determined by comparing whether or not to do. This comparison can be realized, for example, by referring to the transaction validation range management master (account system) 311.

  The transaction validation range management master (account system) 311 has the same data structure as the transaction validation range management master 214, and will be described later with reference to FIG.

  FIG. 4 is a diagram showing a database structure of master information. With reference to FIG. 4, the user master 211, the store number master 212, the financial institution code master 213, the transaction validation range management master 214, and the transaction validation range management master (account system) 311 will be described in detail.

The user master 211 is a database in which personal information of a user who performs a fund transfer transaction is registered, and mainly includes items such as “mobile phone individual identification number” and “account number”.
The “mobile phone individual identification number” is an identification number assigned to the mobile phone 11 with a GPS function of the user. The “account number” is an identification number assigned to the account opened by the user in the transaction account.

The financial institution code master 213 is a database in which information for identifying other banks is registered, and mainly includes items such as “financial institution name” and “financial institution code”. In addition, you may make it the structure which the information which identifies transaction bank itself is registered into this database.
“Financial institution name” is the name of another bank. The “financial institution code” is an identification number assigned to another bank.

The store number master 212 is a database in which information for identifying a branch or branch office of a bank is registered, and mainly includes items such as “branch / branch office name” and “store number”. In addition, you may make it the structure which the information which identifies the store number of another bank is registered into this database.
The “branch / branch office name” is the name of the branch or branch office of the bank. The “store number” is an identification number assigned to a branch or branch office of the bank.

  The transaction validation range management master 214 or the transaction validation range management master (account system) 311 is a database in which information indicating details of the procedure for validating the funds transfer transaction by a user who can use the ATM lock service is registered. "Transaction validation date and time", "account number", "presence / absence of illegal transaction prevention registration", "ATM information to be used", "financial institution code", "store number i" (i = 1, 2, )).

  The “date and time of transaction activation procedure” is the date and time when the user operates the mobile phone 11 with GPS function and executes the procedure for the activation of the fund transfer transaction. This date and time is, for example, created as time information by the time measuring means of the mobile phone 11 with GPS function or the time measuring means of the transaction management system 13. The “account number” is an identification number assigned to the account opened by the user at the bank, and is an essential item of the transaction validation range management master 214 or the transaction validation range management master (account system) 311.

  “Presence / absence of illegal transaction prevention registration” indicates whether or not the user has registered for prevention of illegal transaction, that is, whether or not the ATM lock service is being used. This is an essential item of the validation range management master (account system) 311. If a value of “0” is registered, it indicates that the user has not registered to prevent fraudulent transactions (no setting). If a value of “1” is registered, it indicates that the user is registered to prevent fraudulent transactions (with settings).

  “ATM information to be used” indicates whether the user performs a funds transfer transaction using the ATM of the bank or a ATM of another bank. If a value of “0” is registered, it indicates that the user uses the ATM of the bank (bank of transaction). If a value of “1” is registered, it indicates that the user uses an ATM on another line (other line). The ATM information is information indicating the type of ATM in which the fund transfer transaction is performed.

  The “financial institution code” is an identification number assigned to the other bank when the user performs a fund transfer transaction using the ATM of the other bank. Used when “ATM information to be used” is “1”.

  “Store number i” is an identification number assigned to the branch or branch office of the bank when the user conducts a fund transfer transaction using the ATM of the bank. It is used when “ATM information to be used” is “0”, and is created as many as the number of branches or branch offices of the transaction bank extracted by filtering by the branch / branch office information extraction unit 205.

<< Process >>
Subsequently, processing executed in the present embodiment will be described in detail.
FIG. 5 is a flowchart showing processing required for the procedure for validating the funds transfer transaction in the mobile phone 11 with the GPS function. The subject of this processing is the control unit of the mobile phone 11 with GPS function. It is assumed that the user of the mobile phone 11 with GPS function is registered in the ATM lock service.

First, in step S501, access to a transaction validation site published by the browser page providing unit 201 is performed by a user operation. After access is made, the process proceeds to step S502.
FIG. 6 is an example of a transaction validation site screen displayed on the display unit of the mobile phone 11 with a GPS function. (A) is a display example of a screen that allows the user to select whether the ATM that performs the fund transfer transaction is that of a bank or another bank. (B) is a display example of a screen requesting confirmation of whether or not the current position of the user may be transmitted to the transaction management system 13. These screens are generated by the browser page providing unit 201 of the transaction management system 13 and transmitted to the mobile phone 11 with a GPS function.

  In step S502, the user's operation selects the type of ATM used for the fund transfer transaction, that is, whether the user uses the ATM of the transaction bank or the ATM of another bank. The screen shown in FIG. 6A is displayed on the display unit of the mobile phone 11 with GPS function, and the user can select whether to use the ATM of the bank or the ATM of another bank. . When the ATM of the bank is selected (“bank of transaction” in step S502), the process proceeds to step S503. When the ATM of another bank is selected (“other bank” in step S502), the process proceeds to step S505.

  In step S503, latitude / longitude information is acquired as position information of the mobile phone 11, that is, the user, by the GPS function of the mobile phone 11. After being acquired, the process proceeds to step S504.

  In step S504, the acquired latitude / longitude information, the mobile phone individual identification number, and the ATM information to be used (in this case, a transaction bank) are transmitted to the transaction management system 13. By this transmission, a request for an activation procedure for the ATM lock service by the user is made. The screen shown in FIG. 6B is displayed on the display unit of the mobile phone 11 with the GPS function, and at the time of this transmission, the user is required to agree to notify his / her current position. By transmitting, the entire process is completed.

  In step S505, a financial institution to be used is selected by a user operation. The display unit of the mobile phone 11 with GPS function includes, for example, an input button indicating the financial institution to be used, a pull-down menu indicating the type of financial institution (eg, city bank, credit union), and the name of the financial institution by a 50-sound search. The input button for the initial letter is displayed (not shown). After the selection is made, the process proceeds to step S506.

In step S506, the mobile phone individual identification number, the ATM information to be used (in this case, another bank), and the name of the financial institution to be used are transmitted to the transaction management system 13. By this transmission, a request for an activation procedure for the ATM lock service by the user is made. By transmitting, the entire process is completed.
This is the end of the description of the process required for the procedure for validating the funds transfer transaction in the mobile phone 11 with GPS function.

  FIG. 7 is a flowchart showing processing required for the procedure for validating the funds transfer transaction in the transaction management system 13. The subject of this processing is the control unit of the transaction management system 13.

  First, in step S701, the account number of the user is specified by referring to the user master 211 using the mobile phone individual identification number included in the information received from the mobile phone 11 with GPS function as a search key. After the identification, the process proceeds to step S702.

  In step S702, the type of ATM used by the user is determined. If the ATM type is a bank (“bank” in step S702), the process proceeds to step S703, and if it is another bank (a financial institution selected by the user) (“other bank” in step S702), step S708 is performed. Proceed to

  In step S703, branch / branch office information is acquired from the map information providing system 12 based on the position information included in the information received from the mobile phone 11 with GPS function. Specifically, the control unit of the transaction management system 13 accesses the map information providing system 12 using the latitude / longitude information as the position information acquired by the user selecting the transaction bank as a search key, Map information relating to a predetermined area including the latitude and longitude indicated by the longitude information is acquired. Then, branch / branch office information indicating the branch or branch office of the bank is acquired from the map information. The acquired branch / branch office information includes distance information indicating the distance from the latitude or longitude where the user is located to the branch or branch office. After acquisition, the process proceeds to step S704.

  In step S704, the branch / branch office information extracting unit 205 performs filtering on the acquired branch / branch office information to extract branch / branch office information. Specifically, a branch office or a branch office located within a specified distance (for example, within several kilometers) determined by filtering conditions is extracted. After the extraction, the process proceeds to step S705.

  In step S705, the branch / branch office information indicating the extracted branch or branch office is used as a search key to refer to the shop number master 212 to identify the branch or branch office branch number. After the identification, the process proceeds to step S706.

  In step S706, data (master information) registered in the transaction validation range management master 214 is created based on the information received from the mobile phone 11 with GPS function or the information acquired by the processing in steps S701 to S705. The data is stored in the transaction validation range management master 214. After saving, the process proceeds to step S707.

In step S707, the data created in step S706 or step S709 is transmitted to the house bank account system 14. This means that the ATM lock service has been partially canceled even if the user uses the bank's ATM or another bank's ATM, and the transaction management system 13 The process ends. The bank account system 14 stores the received data in the transaction validation range management master (account system) 311.
Further, for the branch / branch office information indicating the extracted branch or branch office, for example, the browser page providing unit 201 of the transaction management system 13 generates and generates a screen (for example, a map screen) indicating the branch or branch office. The screen is transmitted to the mobile phone 11 with GPS function. Thereby, the user can confirm the position of the branch or the branch office, a store number, etc. on the display part of the mobile phone 11 with a GPS function.

  In step S708, the financial institution code is specified by referring to the financial institution code master 213 using the name of the financial institution (name of the used financial institution) included in the information received from the mobile phone 11 with the GPS function as a search key. After the identification, the process proceeds to step S709.

In step S709, data (master information) to be registered in the transaction validation range management master 214 is created based on the information received from the mobile phone 11 with GPS function or the information acquired by the processing in steps S701, S702, and S708. The data is stored in the transaction validation range management master 214. After saving, the process proceeds to step S707.
This is the end of the description of the processing required for the procedure for validating the funds transfer transaction in the transaction management system 13.

  FIG. 8 is a flowchart showing processing required for the fund transfer transaction in the bank account system 14. The subject of this processing is the control unit of the bank account system 14. In addition, the user appropriately performs the operations required for fund transfer transactions such as withdrawals at the bank or other bank's ATM, thereby allowing the user's account number, the financial institution of the financial institution subject to the fund transfer transaction Assume that a transaction request message including an institution code is created.

  In step S801, a transaction request message is received from the ATM used by the user. After receiving, the process proceeds to step S802.

In step S802, referring to the transaction validation range management master (account system) 311 using the account number of the user included in the received transaction request message as a search key, the fraudulent transaction related to the user who performed the fund transfer transaction Determine whether there is a prevention registration. Specifically, it is determined whether the value of “presence / absence of unauthorized transaction prevention registration” in the transaction validation range management master (account system) 311 is “0” (not set) or “1” (set). To do. If there is a fraudulent transaction prevention registration (“Yes” in step S802), the process proceeds to step S803, and if there is no fraudulent transaction prevention registration (“no” in step S802), the user uses the ATM lock service. This means that there is no transaction and a normal transaction (details omitted) is executed, and the entire process is terminated.
If there is a fraudulent transaction prevention registration, it is assumed that the funds transfer transaction validation procedure has already been completed.

  In step S803, the type of ATM used by the user is determined. In this determination, the ATM type actually used by the user matches the ATM type indicated by the value registered in “ATM information to be used” of the transaction validating range management master (account system) 311. It is determined whether or not. If the ATM type is a bank (“bank” in step S803), the process proceeds to step S804, and if it is another bank (“other bank” in step S803), the process proceeds to step S805.

  In step S804, the ATM store numbers of the transaction banks used by the user are compared. In this comparison, the ATM of the bank of the bank that the user actually uses and the ATM of the bank of the bank indicated by the value registered in “Store No. i” of the transaction validating range management master (account system) 311 are shown. It is determined whether the store numbers match. If they match (“match” in step S804), this means that the user uses the ATM permitted by the validation procedure, so the transaction is continued and the entire process is terminated. If they do not match ("mismatch" in step S804), this means that the user uses an ATM that is not permitted by the validation procedure, so the transaction is stopped and the entire process is terminated.

In step S805, the financial institution codes of other banks that manage the ATM used by the user are compared. In this comparison, the financial institution code of the other bank that manages the ATM actually used by the user and the value registered in the “financial institution code” of the transaction validating range management master (account system) 311 are shown. It is determined whether the financial institution codes of other banks (financial institutions selected by the user) match. If they match (“match” in step S805), it means that the user uses the ATM permitted by the validation procedure, so the transaction is continued and the entire process is terminated. If they do not match ("mismatch" in step S805), this means that the user uses an ATM that is not permitted by the validation procedure, so the transaction is stopped and the entire process is terminated.
This is the end of the description of the processing required for the fund transfer transaction in the bank account system 14.

≪Summary≫
According to the present embodiment, the following effects can be obtained. In other words, if it is an ATM of a bank, a simple operation using a mobile phone with a GPS function can be used to validate fraudulent transactions by performing a procedure for validating funds transfer transactions limited to ATMs of banks around the location where the operation was performed. Risk can be reduced.
Even if the bank is another bank, it is possible to reduce the risk of fraudulent transactions by performing the procedure for validating the funds transfer transaction limited to financial institutions.

≪Others≫
In addition, although the said form is a suitable thing which implements this invention, the implementation form is not limited to this. Therefore, various modifications can be made to the implementation form without departing from the gist of the present invention.

  For example, in the present embodiment, unlike the case of a bank, for the other bank, only the financial institution code is specified, and the location information of the branch or branch office of the other bank is used to limit the ATMs that can be used locally. The fund transfer transaction is not activated. However, it is also possible to execute regional limitation of the procedure for validating the fund transfer transaction using the position information for other banks.

  Specifically, for example, the transaction management system 13 transmits the information of the transaction validation range management master (account system) 311 to the other bank account system 15 instead of the transaction bank account system 14, and the other bank account system What is necessary is just to comprise so that the memory | storage part of the system 15 may be equipped with the transaction validation range management master (account system) 311. FIG.

  Further, in the present embodiment, in the filtering by the branch / branch office information extraction unit 205, the specified distance from the user's position is used when the branch or branch office of the bank is extracted. This designated distance can be set by the bank, or can be set by the user.

For example, when a bank is designated as a designated distance, the designated distance may be set uniformly within XX km depending on the service content of the bank, within a few kilometers in the city center, and within a few tens of kilometers in the region. For example, the designated distance may be changed and set for each region.
In addition, when the user sets the specified distance, for example, a screen interface that allows the user to input the specified distance is provided on the website published by the browser page providing unit 201, and the user operates the input unit of the mobile phone 11 with GPS function. Then, it is preferable that data such as “within XX km” can be input.

  You may make it change the designated distance from a user's position dynamically from the time of performing the validation procedure of a fund transfer transaction. For example, in general, once the activation procedure is performed, the user determines which branch or branch office of the extracted bank bank or branch office is to perform the funds transfer transaction, and goes to that branch or branch office ( It is possible to identify with certain probability a branch or a branch office that does not carry out a money transfer transaction. Therefore, as time elapses from the execution of the procedure for validating the fund transfer transaction, processing may be performed so as to exclude branches or branch offices that have been extracted but do not perform such fund transfer transaction. As a result, it is possible to increase the probability of preventing fraudulent transactions in branch offices or branch offices that do not perform fund transfer transactions.

  Further, in the present embodiment, the withdrawal is mainly handled as the fund transfer transaction, but the present invention can also be applied to deposit, transfer, credit settlement and the like.

  In addition, the user's location information by the mobile phone 11 with GPS function of the present embodiment can have an authentication function. That is, when the user uses a service with normal authentication, it is possible to realize a process of performing identity verification using the position information.

  For example, when credit settlement is performed, not only a credit card and a sign are used, but also the location of the user indicated by the GPS location information and the member store (credit settlement using the credit card) using the GPS location information. The location of the member store included in the member store information (a part of the map information stored in the storage unit of the transaction management system 13 or acquired from the map information providing system 12) of the member member of the credit member store equipped with the device for use (abbreviated). ) Processing can be realized so that settlement is completed when they match (including processing for canceling a lock service for canceling restrictions on funds transfer transactions).

  In addition, when a money transfer transaction is performed in mobile banking provided by a website operated by a financial institution on a terminal such as a mobile phone, using the GPS position information, the position of the user indicated by the GPS position information, When the line and area (eg, commuting route, home, workplace, releasable area where the lock service can be released) that the user has registered (stored) in the storage unit of the transaction management system 13 in advance matches (user) Processing can be implemented to enable funds transfer transactions in mobile banking (including unlocking lock services to remove restrictions on funds transfer transactions). .

  In the present embodiment, the GPS is used to acquire the position information of the user. However, instead of GPS, a satellite positioning system such as GLONASS, Galileo, or quasi-zenith satellite may be used. Moreover, although the above-mentioned is an outdoor position detection system, an indoor position detection system such as mobile phone base station information or a beacon system may be used, and these hybrid systems can be used both outdoors and indoors. May be used.

  In the present embodiment, the transaction management system 13 obtains map information from the outside such as the map information providing system 12. However, for example, map information may be stored in the storage unit of the transaction management system 13, and the map information may be read out as necessary.

  In addition, specific configurations of hardware, software, flowcharts, and the like can be changed as appropriate without departing from the spirit of the present invention.

11 Mobile phone with GPS function (mobile terminal)
12 Map information provision system 13 Transaction management system (fund transfer transaction management device)
14 Bank Account System 15 Other Bank Account System 211 User Master 212 Store Number Master (Branch / Branch Office Identification Information)
213 Financial Institution Code Master (Financial institution identification information)
214 Transaction validation range management master 311 Transaction validation range management master (account system)

Claims (6)

A restriction service for restricting the money transfer transaction in the automatic transaction apparatus by connecting to a mobile terminal capable of acquiring user position information indicating the position of the user performing the money transfer transaction by operating the automatic transaction apparatus In the funds transfer transaction management device realized for the user,
The storage unit of the funds transfer transaction management device includes:
Stores branch / branch office identification information for identifying the branch or branch office of the financial institution that opened the user's account,
The control unit of the funds transfer transaction management device is:
A control for receiving the user location information together with a request for releasing the restriction by the restriction service in order to execute a fund transfer transaction in an automatic transaction apparatus of a financial institution that has opened the user's account from the mobile terminal;
Control for acquiring map information relating to a predetermined area including the position of the user indicated by the received user position information from the outside or from the storage unit if stored in the storage unit;
Control for extracting a branch or branch office located within a specified distance from the position of the user indicated by the user position information among the branch or branch office of the financial institution included in the acquired map information;
Based on the branch / branch office identification information, information indicating that the restriction by the restriction service is released for the automatic transaction apparatus installed in the extracted branch or branch office is created and transmitted to the accounting system of the financial institution. And a fund transfer transaction management device. The control unit of the funds transfer transaction management device is:
The fund transfer transaction management device according to claim 1, wherein a screen showing the extracted branch or branch office is generated, and control for transmitting the generated screen to the mobile terminal is executed. A restriction service for restricting the funds transfer transaction in the mobile terminal by connecting to a mobile terminal capable of acquiring user position information indicating the position of the user performing the money transfer transaction by operating the credit settlement device. In the funds transfer transaction management device realized for the user,
The control unit of the funds transfer transaction management device is:
A control for receiving the user location information from the mobile terminal together with a request for releasing the restriction by the restriction service in order to execute a fund transfer transaction in a credit member store equipped with the credit settlement device;
Control for acquiring map information related to a predetermined area including the position of the user indicated by the received user position information from the outside or from the storage unit if stored in the storage unit;
Control for authenticating the user based on determination of whether or not the position of the user indicated by the received user position information matches the position of a credit member store included in the acquired map information;
Control that, when the identity of the user can be confirmed by the authentication, creates information indicating that the restriction by the restriction service is to be released, and transmits the information to the accounting system of the financial institution that opened the user account; The funds transfer transaction management apparatus characterized by the above. A restricting service for restricting the fund transfer transaction in the mobile terminal by connecting to the mobile terminal capable of acquiring user location information indicating the location of a user performing a fund transfer transaction by operating the mobile terminal In the funds transfer transaction management device realized for the user,
The storage unit of the funds transfer transaction management device includes:
Storing a releasable area designated by the user's mobile terminal and capable of releasing the restriction by the restriction service;
The control unit of the funds transfer transaction management device is:
A control for receiving the user location information from the mobile terminal together with a request for releasing the restriction by the restriction service in order to execute a fund transfer transaction on a website of a financial institution that has opened the user's account;
Control for authenticating the user based on whether or not the position of the user indicated by the received user position information is included in the releasable area;
When the identity of the user can be confirmed by the authentication, information indicating that the restriction by the restriction service is removed is created and transmitted to the accounting system of the financial institution. Fund transfer transaction management device. The money transfer according to any one of claims 1 to 4, wherein the mobile terminal acquires the user position information from an outdoor position detection system, an indoor position detection system, or a combination thereof. Transaction management device. A fund transfer transaction for operating the automatic transaction apparatus so as to be communicably connected to a mobile terminal of a user who performs a funds transfer transaction, and realizing a restriction service for limiting the fund transfer transaction in the automatic transaction apparatus for the user In the management device,
The storage unit of the funds transfer transaction management device includes:
Storing financial institution identification information for identifying a financial institution other than the financial institution that opened the user's account;
The control unit of the funds transfer transaction management device is:
A request is received from the mobile terminal to release the restriction by the restriction service in order to execute a fund transfer transaction in an automatic transaction apparatus of a financial institution selected by the user other than the financial institution that has opened the user's account. Control,
Based on the financial institution identification information of the selected financial institution, create information indicating that the restriction by the restriction service is released for the automatic transaction apparatus installed in the selected financial institution, and open the user account And a control for transmitting to a billing system of a financial institution that has performed the funds transfer transaction management device.

Images