JP2021028767A - Data management device for cardless transaction, transaction device, and transaction system - Google Patents

Abstract

To provide a device capable of performing a transaction of an account of another bank without using a cash card.SOLUTION: According to the present invention, a transaction device includes: a database for managing data for performing a transaction without using cash cards of one, two or more financial institutions, that is, the data for a cardless transaction including at least biometric authentication data for each client and card data of each financial institution; a biometric authentication data collation part for retrieving the database on the basis of the biometric authentication data acquired by the transaction device, and determining whether biometric authentication data of a coincident client exists; and a data notification part for a cardless transaction for notifying the transaction device of data including at least the card data related to the coincident client in the case that the biometric authentication data of the coincident client exists as a result determined by the biometric authentication data collation part.SELECTED DRAWING: Figure 1

Description

The present invention relates to a cardless transaction data management device, a transaction device, and a transaction system.

Conventionally, in transactions of accounts of own financial institutions (hereinafter referred to as "own accounts"), cardless transactions that do not require a cash card have been realized by using biometric authentication such as palm veins and the date of birth of the customer. (See, for example, Privileged Document 1).

On the other hand, a cash card was indispensable for transactions with accounts of other financial institutions (hereinafter referred to as "other bank accounts"). Paragraph "0036" of Patent Document 2 and FIG. 8 show an example in which different finger vein information of a finger is used between different banks, but biometric information is not shared between the own bank and another bank, and after all, It is only shown that cardless transactions of each bank's own account are possible.

JP-A-2018-152001 JP-A-2007-323116

As mentioned above, in the conventional technology, if a cash card is required for transactions with other bank accounts, the other bank cannot use the cash card due to forgetting to carry the cash card, loss, magnetic damage, etc. It becomes impossible to trade the account. Alternatively, when the customer has a plurality of media such as a cash card or a credit card such as his / her own bank / another bank, management and the like become complicated.

Therefore, for cardless transactions that allow transactions with other banks (withdrawals, deposits, etc.) without using a cash card, or cardless transactions (withdrawals, deposits, payments, etc.) even if there are multiple media. Data management devices, trading devices, and trading systems are desired.

The first cardless transaction data management device of the present invention is (1) data for the transaction device to trade without using the card of one or more financial institutions, and is biometric data at least for each customer. Based on the database that manages the cardless transaction data including the card data of each financial institution and (2) the biometric authentication data acquired by the trading device, the database is searched and the living body of the matching customer. If the biometric data collation unit that determines whether or not the authentication data exists and (3) the biometric authentication data of the matching customer exists as a result of the determination by the bioauthentication data collating unit, it is related to the matching customer. It is characterized by including a cardless transaction data notification unit that notifies the transaction device of data including at least the card data.

The second trading device of the present invention is a trading device that performs cardless trading, and is read by using (1) a biometric data reading unit that reads the biometric data of the customer and (2) the biometric data reading unit. Notify the customer's biometric data to a cardless transaction data management device that manages cardless transaction data including at least predetermined biometric data for each customer and card data of each financial institution, and the cardless It is characterized by having an authentication unit that confirms the identity by biometric authentication in cooperation with a transaction data management device.

A third trading system of the present invention is (1) a trading system including at least a cardless transaction data management device and a trading device, and (2) the first invention as the cardless transaction data management device. The cardless transaction data management device of the above is applied, and (3) the second transaction device of the present invention is applied as the transaction device.

According to the present invention, transactions with other bank accounts can be performed without using a cash card.

It is an overall configuration diagram which shows the overall configuration of the trading system which concerns on 1st Embodiment. It is an external perspective view which shows the external appearance structure of the ATM which concerns on 1st Embodiment. It is a block diagram which shows the structure of the control system of ATM which concerns on 1st Embodiment. It is a block diagram which shows the structure of the control system of the cardless transaction own-other bank shared server which concerns on 1st Embodiment. It is explanatory drawing which shows the structural example of the data for self-other bank shared cardless transaction which concerns on 1st Embodiment. It is a sequence diagram which shows the characteristic operation (cardless transaction registration processing in the case of new registration) of the data registration terminal for cardless transaction in the transaction system which concerns on 1st Embodiment. It is a sequence diagram which shows the characteristic operation (cardless transaction registration processing in the case of additional registration) of the data registration terminal for cardless transaction in the transaction system which concerns on 1st Embodiment. It is a sequence diagram which shows the characteristic operation (cardless transaction processing of another bank account) of ATM in the transaction system which concerns on 1st Embodiment. It is explanatory drawing which shows an example of the screen used in the cardless transaction processing of ATM in the transaction system which concerns on 1st Embodiment. It is explanatory drawing which shows the specific example of the cardless transaction processing (mainly the other bank transaction) which concerns on 1st Embodiment. It is a block diagram which shows the structure of the control system of ATM which concerns on 2nd Embodiment. It is a sequence diagram which shows the characteristic operation (cardless transaction registration processing during transaction) of ATM in the transaction system which concerns on 2nd Embodiment. It is explanatory drawing which shows an example of the account registration screen which concerns on 2nd Embodiment. It is a sequence diagram which shows the characteristic operation (cardless transaction registration processing by exclusive transaction) of ATM in the transaction system which concerns on 2nd Embodiment. It is explanatory drawing which shows an example of the transaction selection screen which concerns on 2nd Embodiment. It is an overall configuration diagram which shows the overall configuration of the trading system which concerns on 3rd Embodiment. It is a sequence diagram which shows the characteristic operation (data synchronization processing) of the data of the server for cardless transaction own bank and the server for cardless transaction other bank in the transaction system which concerns on 3rd Embodiment. It is explanatory drawing which shows the appearance structure of the POS cash register and the smartphone which concerns on 1st Embodiment. It is explanatory drawing which shows the modification of ATM which concerns on 1st Embodiment. It is a sequence diagram which shows the characteristic operation (cardless transaction processing of another bank account) of ATM in the transaction system which concerns on other embodiment. It is a sequence diagram which shows the characteristic operation (cardless transaction registration processing in the case of additional registration) of the data registration terminal for cardless transaction in the transaction system which concerns on another embodiment.

(A) First Embodiment In the following, the first embodiment of the cardless transaction data management device, the trading device, and the trading system of the present invention will be described in detail with reference to the drawings. In the first embodiment, an example in which the trading device of the present invention is applied to an ATM will be described.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration FIG. 1 is an overall configuration diagram showing an overall configuration of a trading system according to the first embodiment. In FIG. 1, the trading system 1000 includes an ATM 1, a cardless transaction data registration terminal 2, a biometric data reader 3, a cash card reader 4, a cardless transaction self-other bank shared server 5, a self-host computer 6, and another bank. It includes a host computer 7 and a Zengin host computer 8.

The network N is a communication network capable of communicating data related to financial transactions, and for example, a dedicated network can be applied. Further, the network N may be a public network as long as it can communicate data related to financial transactions.

The ATM 1 is, for example, an automatic teller machine provided in financial institutions, train stations, convenience stores, hotels, and the like. Note that ATM1 is not limited to ATMs, and is not limited to automatic teller machines as long as it shares or utilizes data (biometric authentication data, etc.) between its own organization and different organizations. As shown in the above, for example, a POS cash machine, a semi-self machine, a ticket vending machine, a mobile terminal such as a smartphone, or the like may be used. FIG. 18 shows a POS cash register 200 and a smartphone 300 including a biometric authentication data reading unit 17, which will be described later.

The ATM 1 can communicate with the bank host computer 6 via the network N, and can perform various financial transactions (bank transactions) such as transfer transactions, deposit transactions (deposit transactions), withdrawal transactions (withdrawal transactions), etc. It is done without a lesson.

Further, the ATM 1 not only makes a self-transaction, but also allows the self-host computer 6 to access the other-bank host computer 7 via the Zengin host computer 8 described later, for example, by transmitting / receiving a telegram or the like. Transactions can also be done cardless.

In FIG. 1, only one ATM1 is shown for ease of explanation. However, in reality, each of the plurality of ATMs 1 connects to the own host computer 6 via the network N.

The own bank host computer 6 is a host computer of the own bank financial institution, and when information on transactions is acquired from ATM1, it manages the contents of transactions performed by a customer or a clerk based on the acquired information on transactions.

The other bank host computer 7 is a host computer of another bank financial institution, and is connected to the own bank host computer 6 via the Zengin host computer 8. Further, the host computer 7 of the other bank is connected to the ATM 1'of the other bank via the network N. It is also possible to trade in another bank's account at another bank's ATM1'by sending / receiving a telegram regarding a transaction such as withdrawal between the other bank's ATM1'and the other bank's host computer 7. By performing information processing in which the own bank host computer 6 and the other bank host computer 7 cooperate with each other, the ATM 1 can also execute transaction processing related to the other bank. In FIG. 1, only the other bank host computer 7 is connected to the own bank host computer 6, but it is natural that the host computer 6 may be connected to a plurality of other bank host computers.

The Zengin host computer 8 is a host computer of a network system that interconnects a bank host computer 6 and another bank host computer 7, and transfers funds (withdrawal of cash, cash) via the Zengin host computer 8. Information necessary for transactions such as deposit) and inquiry of account balance is sent and received.

The cardless transaction data registration terminal 2 accepts input of data such as a customer's name, date of birth, address, and telephone number (hereinafter referred to as "necessary matter data"). Then, the cardless transaction data registration terminal 2 obtains the necessary item data, the biometric authentication data read by the biometric authentication data reading device 3 described later, and the cash card data read by the cash card reading device 4 described later. Notify the cardless transaction self-other bank shared server 5 via network N.

The biometric data reader 3 is connected to the cardless transaction data registration terminal 2 and performs biometric authentication such as fingerprint authentication, palm vein authentication, face authentication, iris authentication, and voice band authentication (biometric authentication data). ) Is a device that reads. In this embodiment, it is assumed that the biometric data reader 3 supports only one type of biometric authentication (for example, palm vein authentication), but as a modification, it corresponds to two or more types of biometric authentication. Is also good.

The cash card reading device 4 is connected to a cardless transaction data registration terminal 2 and reads, for example, cash card data (card information in an IC chip or magnetic stripe data) of a cash card brought by a customer (a plurality of cards). If it exists, all cash cards may be read). The cash card reading device 4 is not limited to such an example, and can acquire information from a medium such as a credit card or a point card in addition to a cash card, for example.

The cardless transaction self-other bank shared server 5 manages information (cardless transaction data such as cash card information and biometric authentication data) necessary for performing self-bank transactions and other bank transactions cardlessly.

(A-1-2) Detailed Configuration of ATM 1 FIG. 2 is an external perspective view showing an external configuration of the ATM according to the first embodiment.

In FIG. 2, the ATM 1 of the first embodiment has an operation display unit 12, a card inlet / outlet 13, a bill inlet / outlet 14, a coin inlet / outlet 15, a receipt outlet 16, and a biometric authentication data reading unit 17.

The operation display unit 12 displays, for example, a transaction type selection menu screen, an operation screen for each transaction, a confirmation screen for transaction details, and the like, and imports input information input by a customer or a clerk. For example, the operation display unit 12 can apply a touch panel type operation display unit. The operation display unit 12 is not limited to the touch panel type in which the operation unit and the display unit are integrated, and the operation unit and the display unit may have physically different configurations.

For example, FIG. 19 shows a trading device 1B as a modification of the trading device 1. Like the trading device 1B, the operation display unit 12 may display the selection name on the display screen, and when the selection name is selected, the key 90 such as the hard key corresponding to the selection name is the operation unit. May be used as. More specifically, for example, withdrawal, deposit, etc. are displayed as selection names on the transaction selection menu screen, and when withdrawal is selected, the hard key 90 corresponding to the withdrawal is pressed by the customer. Is also good. The trading device 1B also includes a key 90 and PINPAD 19 in addition to the components of the trading device 1 of FIG. The hard key 90 may have a function of PINPAD 19 for inputting a personal identification number, or may have a hard key separately from PINPAD 19.

The card entrance / exit 13 is for a customer or a clerk to insert or remove a cash card. If the cardless transaction data is registered (new registration, additional registration) only with the cardless transaction data registration terminal 2 and the customer does not use a cash card and makes a cardless transaction, the card is used. The configuration of the entrance / exit 13 is not essential.

The biometric data reading unit 17 has the same function as the biometric data reading device 3 described above, and compares (coordinates) with the cardless transaction data (biometric data) registered in the cardless transaction own / other bank shared server 5. ) It is a device that reads the biometric data of the customer at the time of transaction. The arrangement of the biometric authentication data reading device 3 in the ATM 1 is not limited. For example, when the biometric authentication is face authentication, the biometric authentication data reading unit 17 is a camera, so that the customer can be easily photographed. It is placed on top of ATM1.

The bill entry / exit 14 is for a customer or a clerk to insert or take out bills. As the bill entry / exit 14, for example, a bucket type having an opening / closing body that can be opened / closed may be used, or a bucket type having no opening / closing body may be used. When a customer or a clerk inserts a bill, for example, in the case of a bucket type having an opening / closing body, after the opening / closing body opens the opening of the bucket, the customer or the clerk inserts the bill into the opening of the bucket, and then the ATM1 , The opening and closing body is closed to take in the inserted banknotes. When the ATM1 returns the banknote, the ATM1 pays out the banknote to the bucket, and then the opening / closing body opens. The bill inlet / outlet 14 is not limited to a bill inlet for inserting bills and a bill outlet for discharging bills, but the bill inlet and the bill outlet have physically different configurations. You may.

The coin inlet / outlet 15 is for a customer or a clerk to insert coins or take out coins. As the coin inlet / outlet 15, for example, a bucket type coin having an opening / closing body that can open / close the opening may be used, or a bucket type coin having no opening / closing body may be used. In this case as well, when the customer or the clerk inserts coins, for example, in the case of a bucket type having an opening / closing body, after the opening / closing body opens the opening of the bucket, the customer or the clerk enters the bucket as in the case of the bill inlet / outlet 14. A coin is inserted into the opening, and then the ATM1 closes the opening / closing body and takes in the inserted coin. When the ATM1 returns the coin, the ATM1 pays out the coin to the bucket, and then the opening / closing body opens. The coin inlet / outlet 15 is not limited to the one in which the coin inlet for inserting coins and the coin outlet for discharging coins are integrated, and the coin inlet and the coin outlet have physically different configurations. You may.

The receipt discharge port 16 discharges a receipt on which transaction details are printed.

FIG. 3 is a block diagram showing a configuration of an ATM control system according to the first embodiment. In FIG. 3, the ATM 1 includes a control unit 10, a storage unit 20, a communication unit 30, an operation display control unit 40, a biometric authentication data processing unit 50, a bill deposit / withdrawal unit 60, a coin deposit / withdrawal unit 70, and a statement slip issuing unit 80. Has.

The control unit 10 is configured around a CPU (Central Processing Unit), for example, and is executed by reading a predetermined program from a ROM (Read Only Memory), a RAM (Random Access Memory), and a storage unit 20 and executing the control unit 10. It controls each part to perform various processes such as deposit transaction, storage process and withdrawal transaction.

The authentication unit 11 included in the control unit 10 is a functional unit / program that performs authentication processing for identity verification by biometric authentication and / or PIN input in cooperation with the cardless transaction own / other bank shared server 5 and the own host computer 6. It is an execution part.

The storage unit 20 stores a processing program or the like executed by the control unit 10, and is composed of, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), or the like.

The communication unit 30 is a network interface for connecting to the own host computer 6 and the cardless transaction own / other bank shared server 5 via the network N.

The operation display control unit 40 controls the processing of the operation display unit 12 under the control of the control unit 10. The operation display control unit 40 causes the operation display unit 12 to display a screen based on the screen information from the control unit 10, or gives the information input from the operation display unit 12 to the control unit 10.

The biometric authentication data processing unit 50 acquires the biometric authentication data of the customer at the time of transaction via the biometric authentication data reading device 3 under the control of the control unit 10 (authentication unit 11). The biometric authentication data processing unit 50 may perform processing or the like to improve the accuracy of the biometric authentication data.

The banknote deposit / withdrawal unit 60 executes at least one of storing, discharging, or managing banknotes under the control of the control unit 10. The banknote deposit / withdrawal unit 60 may store banknotes by denomination.

The coin deposit / withdrawal unit 70 executes at least one of storing, discharging, or managing coins under the control of the control unit 10. The coin deposit / withdrawal unit 70 may store coins by denomination.

The statement slip issuing unit 80 prints the transaction result on the transaction statement and issues (discharges) it from the receipt discharge port 16 under the control of the control unit 10. The statement slip issuing unit 80 is not limited to such an example, and is not a paper-based transaction statement, but a two-dimensional code or the like that wirelessly transmits data indicating the transaction result to the customer or displays it on the operation display unit 12. You may write the code.

(A-1-3) Detailed Configuration of Cardless Transaction Own / Other Bank Shared Server 5 FIG. 4 is a block diagram showing a configuration of a control system of the cardless transaction own / other bank shared server according to the first embodiment. .. In FIG. 4, the cardless transaction own / other bank shared server 5 has a control unit 51, a cardless transaction own / other bank shared database 52, and a communication unit 53.

The control unit 51 is configured around the CPU, for example, and performs processing related to cardless transaction data by reading a predetermined program from the ROM, RAM, and storage unit and executing the program.

The cardless transaction data registration unit 510 included in the control unit 51 transmits the necessary information data, the biometric authentication data, and the cash card data notified from the cardless transaction data registration terminal 2 to the cardless transaction own / other bank shared database 52. Performs registration (new registration, additional registration) processing.

The biometric authentication data comparison unit 511 included in the control unit 51 collates the biometric authentication data transmitted from the ATM 1 with the biometric authentication data of the customer registered in the cardless transaction own / other bank shared database 52 in advance, and is the person himself / herself. It is to judge whether or not. When the biometric authentication data comparison unit 511 can confirm the comparison result and the identity, the biometric authentication data comparison unit 511 returns the customer's account information (cash card information) or the collation result to the ATM1.

The cardless transaction self-other bank shared database 52 includes, for example, a personal information database DB1 and a cash card database DB2, and manages data for self-other bank shared cardless transactions. The personal information database DB1 and the cash card database DB2 are not limited to such an example, and may be integrated with a personal ID as a key and may be one DB.

FIG. 5 is an explanatory diagram showing a configuration example of data for self-other bank shared cardless transaction according to the first embodiment.

The personal information database DB1 is a database that centrally manages customers of each financial institution, and has a "personal ID", a "name", a "date of birth", an "address", and a "phone" that uniquely identify the customer. It includes an item of "number" and "biological information" for storing a predetermined biometric data of a customer. The configuration of the personal information database DB1 shown in FIG. 5A is an example. For example, in addition to the above, other items may be provided, and "biological information" may be "biological information 1" and "biological information". A plurality of biological information such as "information 2" may be provided.

The cash card database DB2 is a database that centrally manages the cash card information of each financial institution for each customer, and stores the "personal ID" that uniquely identifies the customer and the cash card information such as the account number. ”Is provided. The configuration of the cash card information DB2 shown in FIG. 5B is an example, and other items may be provided in addition to the above. In the case of a credit card instead of a cash card, information such as a card number can be exemplified as the credit card information.

In the cash card database DB2, for example, data for the number of cash cards owned by the customer can be registered for each customer, and the cash card information can be obtained by selecting the customer or a clerk (operation of the cardless transaction data registration terminal 2). One or two or more are registered.

The communication unit 53 is a network interface for connecting to the ATM 1 and the cardless transaction data registration terminal 2 via the network N.

(A-2) Operation of First Embodiment Next, the feature processing in the trading system 1000 according to the first embodiment will be described in detail with reference to the drawings.

(A-2-1) Cardless transaction registration process The cardless transaction registration process has two types of processes, "new registration" and "additional registration". Hereinafter, the explanation will be given from the cardless transaction registration process in the case of new registration.

FIG. 6 is a sequence diagram showing a characteristic operation (cardless transaction registration process in the case of new registration) of the cardless transaction data registration terminal in the transaction system according to the first embodiment.

First, the cardless transaction data registration terminal 2 is installed, for example, at a window of a financial institution or a supermarket store. Then, a staff member or the like near the terminal confirms the identity of the customer using a medium such as a driver's license or My Number card that can be used to verify the identity of the customer (S101). As a modification, this identity verification process may be performed, for example, by comparing the image of the person captured by the cardless transaction data registration terminal 2 with a camera and the image data of the medium in which the person can be confirmed. good.

The cardless transaction data registration terminal 2 accepts input from a customer or a clerk such as a name, a date of birth, an address, and a telephone number, which are necessary items (S102). If the cardless transaction data registration terminal 2 can acquire all or part of the above-mentioned necessary items by using the information held in the medium such as a cash card as a key, all or one of the above-mentioned input (step S102) of the relevant part. The part can be omitted.

The biometric data reading device 3 reads the customer's biometric data, and notifies the cardless transaction data registration terminal 2 of the read biometric data (S103). It should be noted that the present invention is not limited to such an example, and for example, if the biometric authentication data of the newly registered cash card is already used as the biometric authentication of the bank, if the biometric authentication data exists in, for example, the IC chip of the server or the card. The biometric data may be used as biometric data for new registration, and in that case, it may be a condition that the identity can be confirmed using the existing biometric data, and if there are multiple biometric data, a new one is used. One may be selected as the biometric authentication data for registration.

The cash card reading device 4 reads the cash card data of the cash card of its own bank or another bank brought by the customer, and notifies the cardless transaction data registration terminal 2 of the read cash card data (S104). In this reading, when there are a plurality of cash cards, all the cash cards brought by the customer may be read.

Next, the cardless transaction data registration terminal 2 notifies the cardless transaction own / other bank shared server 5 of necessary items, biometric authentication data, and cash card data (S105).

Then, the cardless transaction own / other bank shared server 5 registers the notification data from the cardless transaction data registration terminal 2 as the cardless transaction data in the cardless transaction own / other bank shared database 52 (S106).

Next, the cardless transaction registration process in the case of additional registration will be described.

FIG. 7 is a sequence diagram showing a characteristic operation (cardless transaction registration process in the case of additional registration) of the cardless transaction data registration terminal in the transaction system according to the first embodiment.

In the case of additional registration, since the customer's basic information (cash card data, necessary information data, etc.) has already been registered in the cardless transaction own / other bank shared server 5 by the process shown in FIG. 6, the driver's license, etc. It is not necessary to verify the customer's identity using determinable documents and to enter the necessary information such as name, date of birth, address, and telephone number.

First, the biometric authentication data reading device 3 notifies the cardless transaction data registration terminal 2 of the read biometric authentication data in the same manner as in step S103 described above (S201).

Next, the cash card reading device 4 reads the cash card data of the cash card of the own bank or another bank to be additionally registered brought by the customer, and notifies the cardless transaction data registration terminal 2 of the read cash card data. (S202). In this reading, if there are a plurality of cash cards brought in, all the cash cards brought in may be read.

Next, the cardless transaction data registration terminal 2 notifies the cardless transaction own / other bank shared server 5 of the biometric authentication data and the cash card data (S203).

Then, when the cardless transaction own / other bank shared server 5 can confirm the identity based on the notified biometric authentication data, the data (cash card data) notified from the cardless transaction data registration terminal 2 is used for cardless transaction. As data, it is additionally registered in the cardless transaction own / other bank shared database 52 (S204).

(A-2-2) Cardless Transaction Processing FIG. 8 is a sequence diagram showing a characteristic operation of an ATM (cardless transaction processing of another bank account) in the transaction system according to the first embodiment.

First, the ATM 1 (control unit 10) executes the following process when any transaction (for example, deposit transaction, withdrawal transaction, payment transaction, settlement transaction, etc.) from the customer or the clerk is selected (S301).

The ATM 1 displays a screen (hereinafter referred to as a "cash card insertion screen") that allows the operation display unit 12 to select whether to perform a transaction using a cash card or a cardless card, and accepts a selection from a customer or a clerk. (S302). The example is not limited to this, and for example, step S302 may be executed before step S301.

FIG. 9A is an explanatory diagram showing an example of a cash card insertion screen. In FIG. 9A, the cash card insertion screen 100 includes a “CARD” insertion display 101 indicating that a transaction is started by inserting a cash card, and a “cardless” button 102 indicating that the transaction is started without a card. Has. Hereinafter, it is assumed that the "cardless" button 102 is pressed by the customer.

The ATM 1 displays a screen for prompting a biometric authentication operation / biometric authentication act (hereinafter referred to as a “biometric authentication operation screen”) on the operation display unit 12 and accepts biometric authentication from a customer (S303). It should be noted that the present invention is not limited to this, and for example, when the ATM1 is premised on cardless transactions, step S303 may be executed before step S301 and step S302 may be omitted, or after step S301, Step S303 may be executed and step S302 may be omitted.

FIG. 9B is an explanatory diagram showing an example of the biometric authentication operation screen. In FIG. 9B, the biometric authentication operation screen 150 displays an image image prompting a biometric authentication operation / biometric authentication action, such as turning a face toward a camera for face authentication. The image displayed on the biometric authentication operation screen 150 is not limited to this, and for example, an animation for performing a biometric authentication operation / biometric authentication act using the cash card reader 4 may be displayed.

The ATM 1 notifies the cardless transaction self-other bank shared server 5 of the biometric authentication data read from the customer via the biometric authentication data reading unit 17 (S304).

The cardless transaction self-other bank shared server 5 collates the biometric authentication data transmitted from the ATM 1 with the biometric authentication data stored in advance in the cardless transaction self-other bank shared database 52, and determines whether or not the person is the person himself / herself. Confirm (S305).

When the identity can be confirmed, the cardless transaction self-other bank shared server 5 can be used as a biometric authentication result, for example, the account information of the corresponding customer (cash card information of the cash card database DB2), the biometric authentication result, or the financial system. The institution information and the biometric authentication result are returned to ATM1 (S306). The financial institution information includes, for example, account information such as an account number or information such as a card number.

The ATM 1 displays a screen for causing the operation display unit 12 to select a trading account (hereinafter, referred to as a “trading account selection screen”), and accepts a selection of a trading account / financial institution from a customer or a clerk (S307).

FIG. 9C is an explanatory diagram showing an example of a trading account selection screen. In FIG. 9C, the trading account selection screen 200 displays a tradeable account list 201 including accounts of own bank and other banks. In the account list 201 of FIG. 9C, only three items are displayed, but the number of accounts displayed in the account list 201 is not limited. Further, when there are an number of accounts that cannot fit on one page in the account list 201, for example, a button for displaying the next page may be provided so that the customer can freely select an account. .. In the following, it is assumed that another bank account has been selected by the customer or the clerk.

As a modification, the ATM1 may have a customer or a clerk select a financial institution with which he / she wants to make a transaction before the process of step S303 described above. By doing so, since only one data (data displayed on the trading account selection screen 200) returned from the cardless transaction own / other bank shared server 5 is required, it is possible to reduce the communication volume and the cardless transaction processing.

The ATM 1 displays a screen for inputting a PIN (Personal Identification Number) on the operation display unit 12 and accepts a PIN input from a customer (S308).

The ATM 1 transmits a telegram including the information of the selected other bank account and the input PIN and the like to the own bank host computer 6. The selected other bank account information is, for example, a message similar to a message created based on data acquired from cash card magnetic stripe data or data stored in an IC chip of a cash card (IC chip data). On the own bank host computer 6 side, it is possible to process by the same method as the conventional method (transaction of another bank account using a cash card). In addition, the present invention is not limited to such an example, and for example, the above-mentioned telegram may include the result of biometric authentication.

(A-2-3) Specific Example of Cardless Transaction Processing FIG. 10 is an explanatory diagram showing a specific example of the cardless transaction processing (mainly other bank transactions) according to the first embodiment.

In FIG. 10, for convenience, the financial institution to which ATM1 belongs is referred to as its own bank, and a financial institution that is different from its own bank and can be handled is referred to as another bank (financial institution to which ATM1'belongs). It shall be. In the following, it is assumed that the name of the financial institution related to the own bank host computer 6 is Bank A and the name of the financial institution related to the other bank host computer 7 is Bank B.

As shown in FIG. 10, Bank A and Bank B have formed a mutual tie-up, and Bank A and Bank B have constructed a system of a shared server 5 for cardless transactions by themselves and others.

First, as an example of self-transaction (not shown in FIG. 10), for example, a customer visits ATM1 of Bank A without having a cash card of Bank A, performs biometric authentication for identity verification, and then Bank A. It is possible to select an account and carry out a transaction.

In addition, as an example of other bank transactions, for example, a customer visits ATM1'of Bank B without having a cash card of Bank A, performs biometric authentication for identity verification, and then selects an account of Bank A. It is possible to carry out a transaction. Similarly, it is possible to carry out transactions in a bank B account using ATM1 of bank A and ATM1'of bank B.

(A-3) Effect of First Embodiment According to the first embodiment, in the trading system 1000, cardless transactions sharing biometric information and cardless transaction data such as cash card data at different financial institutions and the like. By introducing the self-other bank shared server 5, it is possible to carry out transactions with other banks' accounts at ATM1 installed at each financial institution or supermarket store, etc. without using a cash card (in cardless transactions). It became.

(B) Second Embodiment Next, a second embodiment of the cardless transaction data management device, the trading device, and the trading system according to the present invention will be described in detail with reference to the drawings. In the second embodiment, an example in which the trading device of the present invention is applied to an ATM will be described.

(B-1) Configuration of the Second Embodiment In the first embodiment, at ATM1 installed in a financial institution or a supermarket store, etc., it is possible to trade with another bank account without using a cash card. However, even if the cardless transaction has already been registered and another bank account is additionally registered, it is necessary to perform the cardless transaction registration process using, for example, the cardless transaction data registration terminal 2 installed at the bank counter. ..

Therefore, in the second embodiment, in consideration of customer convenience, it is possible to additionally register another bank account at an ATM.

The overall configuration of the trading system 1000 and the configuration of each device according to the second embodiment are basically the same as the configurations shown in FIGS. 1 to 5 of the first embodiment, but instead of ATM1, ATM1A ( The difference is that FIG. 11) is applied. As described in the first embodiment described above, the ATM1A is not limited to the ATM1A as an automatic teller machine, for example, a POS cash register, a semi-self machine, a ticket vending machine, a mobile terminal such as a smartphone, etc. But it's okay.

FIG. 11 is a block diagram showing a configuration of an ATM control system according to the second embodiment. The configuration of the ATM 1A in FIG. 11 is the same as the configuration of the ATM 1 of the first embodiment, except that the control unit 10A is applied instead of the control unit 10. In the following, explanations will be given focusing on the different points.

The control unit 10A has a cardless transaction data registration unit 21 in addition to the configuration (function) of the first embodiment. The cardless transaction data registration unit 21 has a part of the functions of the cardless transaction data registration terminal 2.

That is, the cardless transaction data registration unit 21 controls to insert the cash card into the ATM 1A and additionally register the cash card data in the cardless transaction own / other bank shared server 5 at a predetermined timing during an arbitrary transaction. It is something to do. Further, the additional registration of this cash card can be performed, for example, at the time of transactions such as withdrawal and balance inquiry, or by pressing a dedicated button from the transaction selection screen. Details of the cardless transaction data registration unit 21 will be described in the operation section.

(B-2) Operation of Second Embodiment Next, the feature processing in the trading system 1000 according to the second embodiment will be described in detail with reference to the drawings.

(B-2-1) Cardless transaction registration process (register a cash card during any transaction)
FIG. 12 is a sequence diagram showing a characteristic operation of an ATM (cardless transaction registration process during a transaction) in the transaction system according to the second embodiment. In FIG. 12, the same or corresponding processing as the characteristic operation of FIG. 8 according to the first embodiment is indicated by the same reference numerals. Further, a detailed description of the same or corresponding processing as the feature operation of FIG. 8 according to the first embodiment will be omitted because it overlaps.

The following shows a process of additionally registering another bank's cash card information in the cardless transaction data during a transaction using another bank's cash card at ATM1A installed in a financial institution or the like.

For example, when a "balance inquiry" transaction is selected on the transaction selection screen of ATM1A (S301), a cash card of another bank is inserted (S302), and a PIN is input (S308), a balance inquiry message is created and host communication is performed. (S401).

Next, the ATM1A (cardless transaction data registration unit 21) is a screen that allows the customer or a clerk to select whether or not to additionally register the cash card (other bank account) inserted in the operation display unit 12 in the cardless transaction data. (Hereinafter referred to as "account registration screen") is displayed, and a selection from a customer or a clerk is accepted (S402).

FIG. 13 is an explanatory diagram showing an example of the account registration screen according to the second embodiment.

In FIG. 13, the account registration screen 250 has a "do not register" button 251 indicating that the inserted cash card (another bank account) is not registered in the cardless transaction data, and a "registration" indicating that the inserted cash card (other bank account) is registered in the cardless transaction data. Has a "do" button 252. Hereinafter, it is assumed that the "register" button 252 is selected by the customer. Then, it is assumed that the biometric authentication operation / biometric authentication act is performed in the same manner as in step S303 described above.

The ATM1A notifies the cardless transaction self-other bank shared server 5 of the biometric authentication data for identity verification and the other bank cash card data (S403).

The cardless transaction self-other bank shared server 5 collates the biometric data notified from the ATM 1A with the biometric data stored in advance in the cardless transaction self-other bank shared database 52 to determine whether or not the person is the person. If you can confirm and confirm your identity, for example, display the registration details to the customer, select the confirmation button, and if the other bank cash card notified (inserted in ATM1A) is not already registered, you will be notified. The other bank cash card is additionally registered in the cardless transaction own / other bank shared database 52 (cash card database DB2) (S404).

The cardless transaction own / other bank shared server 5 notifies the ATM 1A that the cash card data has been registered (S405). The ATM1A notifies the customer on the screen that the registration has been completed, for example.

Then, the ATM1A displays the inquiry result (balance) received from the host on the operation display unit 12, ejects the cash card from the card inlet / outlet 13, and then terminates the transaction.

With the above processing, cardless transactions will be possible for other bank accounts registered this time from the next transaction.

(B-2-2) Cardless transaction registration process (register a cash card in a dedicated transaction)
FIG. 14 is a sequence diagram showing a characteristic operation of an ATM (cardless transaction registration process by dedicated transaction) in the transaction system according to the second embodiment.

First, the ATM1A displays a screen (hereinafter, referred to as a "transaction selection screen") for causing the operation display unit 12 to select a transaction desired by the customer, and accepts the selection from the customer (S501).

FIG. 15 is an explanatory diagram showing an example of a transaction selection screen according to the second embodiment.

In FIG. 15, the transaction selection screen 300 displays a transaction selection list 301 for selecting transactions that can be traded in ATM1A. Further, in the transaction selection list 301, in addition to the button for selecting each transaction, the transaction selection list 301 has a "card additional registration" button 302 for additionally registering a new cash card (another bank account) in the cardless transaction data. Hereinafter, it is assumed that the "additional card registration" button 302 is selected by the customer.

The ATM1A (cardless transaction data registration unit 21) displays a cash card insertion screen on the operation display unit 12 and prompts a customer or a clerk to insert a cash card (S502). After inserting the cash card into the ATM1A, the biometric authentication operation / biometric authentication act is performed in the same manner as in step S303 described above. As a modification, the customer may be asked to enter a personal identification number to perform host communication before performing biometric authentication (biometric authentication is performed only when PIN authentication is possible).

The flow of the process of registering the cash card in the cardless transaction own / other bank shared server 5 is the same as in steps S403 to S405 described above.

When the additional registration of the cash card to the cardless transaction own / other bank shared server 5 is completed, the ATM1A discharges the cash card from the card inlet / outlet 13 and then terminates the transaction (S503).

(B-3) Effect of Second Embodiment According to the second embodiment, the following effects are obtained in addition to the same effects as those described in the first embodiment. In the ATM 1A of the second embodiment, since additional registration of a cash card (another bank account) is also possible at the ATM, it is possible to further improve the convenience of customers who desire cardless transactions.

(C) Third Embodiment Next, a third embodiment of the cardless transaction data management device, the trading device, and the trading system according to the present invention will be described in detail with reference to the drawings. In the third embodiment, an example in which the trading device of the present invention is applied to an ATM will be described.

(C-1) Configuration of Third Embodiment In the first and second embodiments, one cardless transaction own / other bank shared server 5 is used to manage data for cardless transactions. , The third embodiment shows an example of managing data for cardless transactions by using a plurality of servers for cardless transactions.

FIG. 16 is an overall configuration diagram showing an overall configuration of the trading system according to the third embodiment. In FIG. 16, the transaction system 1000A includes an ATM 1 (or ATM 1A), a cardless transaction data registration terminal 2, a biometric data reader 3, a cash card reader 4, a cardless transaction own server 500, and a cardless transaction other bank. It is configured to include a mainframe server 501, a mainframe host computer 6, another bank host computer 7, and a Zengin host computer 8.

The difference between the trading system 1000A of the third embodiment and the trading system 1000 of the first and second embodiments is that the cardless trading self-bank server 500 and the card are used instead of the cardless trading self-other bank shared server 5. The point is that the server 501 for other banks for less transactions is applied.

The cardless transaction self-bank server 500 is a server owned by a financial institution related to the self-host computer 6, and its basic functions are the same as those of the cardless transaction self-other bank shared server 5 shown in FIG. ..

The cardless transaction other bank server 501 is a server owned by a financial institution related to the other bank host computer 7, and its basic function is the cardless transaction own / other bank shared server 5 shown in FIG. 4 above. Is similar to.

The cardless transaction own bank server 500 and the cardless transaction other bank server 501 synchronize the data held with each other at a predetermined timing. For example, when new or additional cardless transaction data is registered in the cardless transaction own server 500 using the cardless transaction data registration terminal 2, the cardless transaction other bank server is registered at the timing when the registration is completed. Data synchronization with 501 is performed. The timing of data synchronization is not limited to the above, and may be performed periodically, such as once a day.

As a modified example, the cardless transaction own server 500 (cardless transaction other bank server 501) is the cardless transaction data registration terminal 2 of the own organization or the cardless transaction data registered by ATM1 (ATM1A). You can only manage it. In this case, the ATM1 (or ATM1A) sequentially inquires the cardless transaction other bank server 501 in addition to the cardless transaction own server 500 as necessary for each cardless transaction.

(C-2) Operation of the Third Embodiment FIG. 17 shows a characteristic operation (data synchronization processing) of the cardless transaction own server and the cardless transaction other bank server in the transaction system according to the third embodiment. It is a sequence diagram. In FIG. 17, the same or corresponding processing as the characteristic operation of FIG. 6 according to the first embodiment is indicated by the same reference numerals. Further, a detailed description of the same or corresponding processing as the feature operation of FIG. 6 according to the first embodiment will be omitted because it overlaps.

When the data for data transaction is newly registered in the cardless transaction own server 500 by the process of step S106 described above, each server holds the cardless transaction own server 500 and the cardless transaction other bank server 501. Data matching (data synchronization) between databases is performed (S601).

In FIG. 17, an example of performing data synchronization when a customer newly registers cardless transaction data using the cardless transaction data registration terminal 2 has been described, but additional registration of another bank's cash card or addition by ATM1A has been described. Similarly, when registering, data synchronization may be performed at the registered timing.

(C-3) Effect of Third Embodiment According to the third embodiment, the following effects are obtained in addition to the same effects as those described in the first and second embodiments. In the third embodiment, the database is duplicated by providing each server (database) for managing cardless transaction data. As a result, for example, even if one server (for example, the cardless transaction own server 500) goes down, the biometric authentication inquiry can be switched to the other server (for example, the cardless transaction other bank server 501). It is possible to continue cardless transaction processing.

(D) Other Embodiments Although various modified embodiments have been mentioned in each of the above-described embodiments, the present invention can also be applied to the following modified embodiments.

(D-1) In the ATM1 and ATM1A of each of the above-described embodiments, authentication is performed by biometric authentication and PIN input, but biometric authentication alone may be performed without the need for PIN input.

(D-2) In each of the above-described embodiments, the case where a cash card is used has been illustrated and described, but the present invention is not limited to this, and for example, a medium such as a credit card or a point card may be used. More specifically, for example, a customer obtains biometric authentication data on a mobile terminal, inputs a card number and a security code such as CVC (Card Validation Code), etc., and makes a cardless transaction of credit card B card information, etc. When additionally registering in the DB of the other bank shared server 5 and making a payment transaction at the POS cash register, the customer or the clerk may select the credit card A from the credit cards A and B and perform the payment transaction after the biometric authentication of the customer. .. The above additional registration is not limited to the DB of the cardless transaction own / other bank shared server 5, but is additionally registered in the DB existing in the host of the credit card or outside the host, and the POS cash register can access each host. good.

(D-3) In the transaction system 1000 (1000A) of each of the above-described embodiments, the cardless transaction own bank shared server 5 (or the cardless transaction own bank server 500 or the cardless transaction other bank server 501) is used. An example of performing biometric authentication is shown, but ATM1 (ATM1A) acquires biometric data stored in the cardless transaction own / other bank shared database 52 by the cardless transaction own / other bank shared server 5 from the personal information database DB1. , The identity may be confirmed by comparing the acquired photographed image with the stored data in the ATM1. In that case, the ATM 1 may inquire the cardless transaction own / other bank shared server 5 again after confirming the identity and acquire the cardless transaction data (cash card data) from the cash card database DB2.

(D-4) In the second embodiment described above, an example is shown in which only additional registration of cardless transaction data (other bank cash card) is possible in ATM1A, but the cardless transaction data registration terminal 2 You may also make a new registration in the same way as above. In this case, the identity verification process by the counter staff may be performed, for example, by comparing the image of the person captured by the ATM1A with the camera and the image data of the medium in which the person can be confirmed. In addition, input of necessary information data is performed by the operation display unit 12, and cash cards (all cash cards if there are a plurality of cash cards) can be inserted and removed by the card entrance / exit 13 during an arbitrary transaction or a dedicated transaction (transaction selection screen). You may do it at the timing of (select the dedicated button from).

(D-5) In the trading system 1000 (1000A) of each of the above-described embodiments, an example in which the cardless trading self-other bank shared server 5 is provided independently on the network N is shown, but the cardless trading self-other bank The function of the shared server 5 may be provided by the own host computer 6 and the other bank host computer 7 as a unit or outside the host computer 6 and the host computer 7. In this case, the ATM1 and the ATM1A can confirm the identity on the host side in one process by transmitting the biometric authentication data and the PIN together to the own host computer 6 and the other bank host computer 7. Further, since the DB of the cardless transaction own / other bank shared server 5 may have the same DB configuration as the conventional one, the development cost can be reduced.

(D-6) Further, in the transaction system 1000 (1000A) of each of the above-described embodiments, an example in which the cardless transaction own server and the other bank shared server 5 are independently provided on the network N is shown, but the cardless transaction own The function of the other-bank shared server 5 may be provided by the own-bank host computer 6 and the other-bank host computer 7 as a unit or externally. In this case, for example, the financial institution with which the customer or the clerk deals may be specified, and the ATM1 and the ATM1A individually provide information necessary for the transaction to the other bank host computer 7 of the specific financial institution via the own host computer 6. Can be sent. Hereinafter, description will be made with reference to FIG.

FIG. 20 is a sequence diagram showing a characteristic operation of an ATM (cardless transaction processing of another bank account) in a trading system according to another embodiment.

Here, it is assumed that some transaction (in this example, balance inquiry) and cardless transaction are selected by the customer or the clerk by the same processing as in step S301 and step S302 described above.

The ATM1 and the ATM1A display a screen for selecting a financial institution for which a customer or a clerk wants to make a transaction on the operation display unit 12, and accept a selection from the customer or the clerk (S701). In this example, it is assumed that one or more financial institutions of other banks are selected.

The ATM1 and the ATM1A acquire the biometric authentication data from the customer via the biometric authentication data reading unit 17 (S702).

The ATM1 and the ATM1A display a screen for inputting a PIN (Personal Identification Number) on the operation display unit 12, and accept a PIN input from a customer or a clerk (S703).

The ATM1 and the ATM1A transmit a telegram including information on the selected financial institution, biometric data, and the input PIN to the host computer 6 (S704).

When the received message is a transaction of another bank, the own bank host computer 6 biometrically authenticates the financial institution (other bank host computer 7) of another bank selected from the customer or the clerk via the Zengin host computer 8. A message including the data and the input PIN is transmitted (S705).

The other bank host computer 7 collates the biometric authentication data transmitted from ATM1 and ATM1A with the biometric authentication data stored in advance in the cardless transaction own / other bank shared database to confirm whether or not the person is the person ( S706).

If the identity of the host computer 7 can be confirmed, the host computer 6 of the other bank sends a message including, for example, the account information of the corresponding customer, the biometric authentication result, or the financial institution information and the biometric authentication result as the biometric authentication result. Reply to (S707).

The own bank host computer 6 transmits the telegram received from the other bank host computer 7 to the ATM1 and the ATM1A (S708).

The ATM1 and the ATM1A display the other bank account information received from the own bank host computer 6 on the operation display unit 12 and accept the account selection from the customer or the clerk (S709). If there is only one account, the process of step S709 may be omitted.

The ATM1 and the ATM1A notify the own host computer 6 of the information of the selected other bank account (S710). The selected other bank account information is created based on, for example, cash card magnetic stripe data or data acquired from data stored in the IC chip of the cash card (IC chip data), as described above. Notify by the same message as the message to be sent.

The own bank host computer 6 makes a balance inquiry request to the other bank host computer 7 (S711), and the other bank host computer 7 returns a balance inquiry response including the balance information of the requested account to the other bank host computer 6. (S712).

The own bank host computer 6 transmits the received balance inquiry response to the ATM1 and the ATM1A (S713).

The ATM1 and the ATM1A display the balance information of the other bank account received from the own bank host computer 6 on the operation display unit 12.

(D-7) In the trading system 1000 (1000A) of each of the above-described embodiments, an example of additionally registering data for cardless trading is shown by the procedure of FIG. 7, but as shown in FIG. 21, additional registration is performed. In this case, for the purpose of identity verification (to narrow down the biometric authentication data collated by the cardless transaction self-other bank shared server 5), for example, the date of birth may be required to be input. Hereinafter, description will be made with reference to FIG.

First, the cardless transaction data registration terminal 2 displays a screen prompting the customer or the clerk to input the date of birth on the operation display unit 12 (S801).

Next, the cardless transaction data registration terminal 2 notifies the cardless transaction own / other bank shared server 5 of the input date of birth and the biometric authentication data read in the process of step S201 described above (S802). ..

The cardless transaction own / other bank shared server 5 collates the data stored in the cardless transaction own / other bank shared database 52 (personal information database DB1) based on the notified date of birth and biometric authentication data, and the person himself / herself. If it can be confirmed, the information (name / personal ID) that identifies the customer or the clerk will be returned.

The cardless transaction data registration terminal 2 displays information including a name on the operation display unit 12 to prompt confirmation of a customer or a clerk (S801).

Then, after confirming the customer or the clerk, the cardless transaction data registration terminal 2 sends the personal ID and the cash card data read in the process of step S202 to the cardless transaction own / other bank shared server 5. Notify the cardless transaction own / other bank shared server 5 (S802).

The cardless transaction own / other bank shared server 5 uses the data (cash card data) notified from the cardless transaction data registration terminal 2 as cardless transaction data, and the cardless transaction own / other bank shared database 52 (cash card database). It is additionally registered in DB2) (S807).

(D-8) In each of the above-described embodiments, in the case of a transaction of another bank account, after the ATM1 (ATM1A) is once connected to the own host computer 6, the own host computer 6 passes through the Zengin host computer 8 to the other. Although an example of connecting to the line host computer 7 is shown, the transaction may be processed by directly connecting to the other line host computer 7 from the ATM1 (ATM1A).

(D-9) As a modified example, the trading system 1000 (1000A) combines all or a part of the configurations and functions of the modified examples described in the above-described embodiments (D-1) to (D-8). You may use it.

1 ... ATM, 2 ... Cardless transaction data registration terminal, 3 ... Biometric data reader, 4 ... Cash card reader, 5 ... Cardless transaction own / other bank shared server, 6 ... Own host computer, 7 ... Other bank Host computer, 8 ... Zengin host computer, 11 ... Authentication unit, 12 ... Operation display unit, 13 ... Card entry / exit, 14 ... Bill entry / exit, 15 ... Coin entry / exit, 16 ... Receipt discharge port, 17 ... Biometric data Reading unit, 20 ... Storage unit, 21 ... Cardless transaction data registration unit, 30 ... Communication unit, 40 ... Operation display control unit, 50 ... Biometric data processing unit, 51 ... Control unit, 52 ... Cardless transaction self and others Line shared database, 53 ... Communication department, 60 ... Bank deposit / withdrawal department, 70 ... Coin deposit / withdrawal department, 80 ... Statement issuing department, 100 ... Cash card insertion screen, 150 ... Biometric authentication operation screen, 200 ... Trading account selection screen , 250 ... account registration screen, 300 ... transaction selection screen, 500 ... cardless transaction own server, 501 ... cardless transaction other bank server, 510 ... biometric data registration unit, 511 ... biometric data comparison unit, 1000, 1000A ... Trading system, N ... Network.

Claims (10)

Data for the trading device to trade without using the cards of one or more financial institutions, and manages cardless transaction data including biometric authentication data and card data of each financial institution for at least each customer. Database and
Based on the biometric authentication data acquired by the trading device, the biometric authentication data collation unit that searches the database and determines whether or not the biometric authentication data of the matching customer exists,
If the biometric authentication data of the matching customer exists as a result of the determination by the biometric data collation unit, the cardless transaction data notification unit notifies the trading device of data including at least the card data related to the matching customer. A data management device for cardless transactions, which is characterized by being equipped with. It is further characterized by further comprising a first cardless transaction data registration unit that controls registration of the cardless transaction data notified from the transaction device or a dedicated cardless transaction data registration terminal in the database. The data management device for cardless transactions according to claim 1. If all or part of the notified cardless transaction data is already registered in the database, the first cardless transaction data registration unit corresponds only to the card data that is not registered. The cardless transaction data management device according to claim 2, wherein the control is performed to additionally register the customer's cardless transaction data. The cardless transaction data management device according to any one of claims 1 to 3, wherein the card is a cash card or a credit card. In a trading device that performs cardless transactions
A biometric data reader that reads the customer's biometric data,
For cardless transactions that manages cardless transaction data including at least predetermined biometric data for each customer and card data of each financial institution for the customer's biometric data read by using the biometric data reader. A trading device characterized in that it is provided with an authentication unit that notifies the data management device and performs identity verification by biometric authentication in cooperation with the cardless transaction data management device. When the identity can be confirmed by biometric authentication, the account information of the second card data is displayed on the display unit together with the first card data notified from the cardless transaction data management device, and the account from the customer. The trading device according to claim 5, further comprising an account selection unit that accepts selections. The trading device according to claim 6, wherein the first card data is the card data of the own bank, and the second card data is the card data of another bank. A second control that notifies the cardless transaction data management device of data including at least the card data and the customer's biometric authentication data, and registers the cardless transaction data in the cardless transaction data management device. The trading apparatus according to any one of claims 4 to 7, further comprising a cardless transaction data registration unit. At least in a trading system including a data management device for cardless trading and a trading device.
As the cardless transaction data management device, the cardless transaction data management device according to any one of claims 1 to 4 is applied.
A trading system characterized in that the trading device according to any one of claims 4 to 8 is applied as the trading device. The transaction system according to claim 9, wherein the cardless transaction data management device is provided for each financial institution and synchronizes the cardless transaction data held with each other at a predetermined timing.

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