JP7550123B2 - Automatic trading system, automatic trading method, mobile terminal, and program - Google Patents

Description

The present invention relates to an automated trading system, an automated trading method, a mobile terminal, an automated trading device, and a program.

Conventionally, automated transaction devices such as ATMs (Automatic Teller Machines) are known and are widely used in banks and the like. The operation screen of such automated transaction devices has a touch panel structure. Therefore, a user of the automated transaction device can carry out transactions such as depositing, withdrawing, and transferring money by operating (touching) buttons displayed on the touch panel operation screen. For example, the technology of Patent Document 1 is disclosed as an automated transaction device that can be operated by such a touch panel.

JP 2011-118820 A

However, since users of automated transaction devices must press (touch) the touch panel operation screen to make a transaction, the touch panel may become greasy and dirty if a user with oily or dirty hands has operated the device beforehand.

In addition, to prevent infection from epidemic viruses, some people are reluctant to touch automated transaction machines that are expected to be operated by many users. As a result, there are users who want to make transactions but do not want to touch the operation screen, and there are concerns that the number of users will decrease.

As a result, financial institutions and other similar organizations have begun cleaning and disinfecting screens every morning, and in some cases have employees perform the cleaning and disinfecting tasks during off-peak hours, take antibacterial measures, and post notices to that effect, but these measures are not very effective and are a lot of work.

In view of the above problems, the present invention aims to provide a technology that allows transactions to be conducted without touching the operation screen of an automated transaction device by utilizing a mobile terminal.

One aspect of the present invention is an automatic trading system comprising an automatic trading device and a mobile terminal that communicates with the automatic trading device, wherein the mobile terminal comprises an operation screen receiving unit that receives information of an operation screen indicating transaction contents at the automatic trading device, an operation receiving unit that receives operations on the projected and displayed operation screen, and an operation information transmitting unit that transmits the information corresponding to the operation received by the operation receiving unit to the automatic trading device, and the automatic trading device comprises a transaction control unit that performs transactions based on the information transmitted by the operation information transmitting unit.

Another aspect of the present invention is an automatic trading method executed by an automatic trading system including an automatic trading device and a mobile terminal that communicates with the automatic trading device, comprising the steps of receiving information of an operation screen showing transaction contents at the automatic trading device at the mobile terminal, accepting operations on the transaction contents included in the projected and displayed operation screen at the mobile terminal, transmitting the information corresponding to the accepted operation to the automatic trading device, and conducting a transaction at the automatic trading device based on the information transmitted from the mobile terminal.

Another aspect of the present invention is a portable terminal that communicates with an automated transaction device, and is characterized in that it includes an operation screen receiving unit that receives information about an operation screen that indicates transaction details at the automated transaction device, an operation receiving unit that receives operations on the projected and displayed operation screen , and an operation information transmitting unit that transmits the information corresponding to the operation received by the operation receiving unit to the automated transaction device.

Another aspect of the present invention is a program executed by a mobile terminal that communicates with an automated teller machine, which receives information about an operation screen showing transaction contents of the automated teller machine, accepts operations on the transaction contents included in the projected and displayed operation screen , and transmits the information corresponding to the accepted operation to the automated teller machine.

According to one aspect of the present invention, by utilizing a mobile terminal, transactions can be performed without touching the operation screen of an automated transaction device (without having to worry about unsanitary conditions). As a result, a decrease in the number of users can be prevented. This also leads to a reduction in the amount of cleaning, sterilization, and antibacterial measures required by financial institutions, etc.

FIG. 1 is an explanatory diagram showing an example of an automated transaction system 100 according to an embodiment of the present invention. FIG. 2 is a block diagram showing an example of a hardware configuration of an ATM. FIG. 2 is a block diagram showing an example of a hardware configuration of a mobile terminal 30. 1 is a diagram showing an example of a functional configuration of an automated transaction system 100 including an ATM 10 and a mobile terminal 30 according to the present embodiment. 1 is a diagram showing an example of an operation screen displayed on a display unit 15 of an ATM 10. FIG. FIG. 11 is a diagram showing an example of an application selection screen displayed on a display unit 33 of a mobile terminal 30. 13 is a diagram showing an example of a communication start screen displayed on a display unit 33 of a mobile terminal 30. FIG. 13 is a diagram showing an example of a shooting preparation screen displayed on a display unit 33 of a mobile terminal 30. FIG. 4 is a diagram showing an example of a projection screen displayed on a display unit 33 of a mobile terminal 30. FIG. 4 is a diagram showing an example of a projection screen displayed on a display unit 33 of a mobile terminal 30. FIG. 4 is a diagram showing an example of a projection screen displayed on a display unit 33 of a mobile terminal 30. FIG. 1 is a diagram showing an example of an operation screen displayed on a display unit 15 of an ATM 10. FIG. 4 is a diagram showing an example of a projection screen displayed on a display unit 33 of a mobile terminal 30. FIG. 4 is a diagram showing an example of a projection screen displayed on a display unit 33 of a mobile terminal 30. FIG. 1 is a sequence chart showing an example of an automatic transaction process executed by the automatic transaction system 100 (part 1). 11 is a sequence chart showing an example of an automatic transaction process executed by the automatic transaction system 100 (part 2).

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
1 is an explanatory diagram showing an example of an automated transaction system 100 according to the present embodiment. The automated transaction system 100 includes an ATM 10 and a mobile terminal 30.

ATMs 10 are devices operated by users (customers) to deposit, withdraw, or transfer cash, and are installed in a variety of locations, including financial institutions, train stations, shopping centers, etc.

The ATM 10 is a device that uses an existing bankbook, a cash card, a credit card, or other card to carry out various transactions such as deposits, withdrawals, transfers, and balance inquiries. This ATM 10 is also called an automated teller machine. The ATM 10 is an example of an automated transaction device. The following explanation will be given using the ATM 10.

One example of a card used in ATM 10 is a bank card that stores information related to a customer's bank account on a magnetic stripe or IC chip. The recorded data stored on the bank card includes the bank code, branch number, account number, etc.

On the right side of the top of the ATM 10, there is a card slot 111 through which a card is inserted when a transaction is made using a card and through which the card and receipt are ejected after the transaction is completed. On the left side of the card slot 111, there is a passbook slot 112 through which a passbook is inserted when a transaction is made using a passbook and through which the passbook is ejected after the transaction is completed. The card slot 111 and the passbook slot 112 are also collectively referred to as the media slot. Additionally, cards include magnetic cards and IC cards. Additionally, cards, receipts, passbooks and cash are also collectively referred to as the media.

A bill slot 113, which is a slot for inserting and removing bills, is provided below the card slot 111 of the ATM 10. A coin slot 114, which is a slot for inserting and removing coins, is provided below the passbook slot 112 of the ATM 10. The bill slot 113 and the coin slot 114 are each provided with a shutter (not shown), which is opened when depositing or withdrawing money.

The center of the ATM 10 is formed with a sloped surface that juts out at a gentle angle to the front, and the sloped surface is provided with a display unit 15 and an input unit 16 consisting of a touch panel integrated with the display unit 15. The display unit 15 appropriately displays an operation screen, a display screen, a menu screen, a guide screen for operation instructions, etc.

The display unit 15 displays an operation screen for transaction details. The operation screen displays the type of transaction. In this embodiment, for example, the types of transactions displayed are selectable, such as withdrawal, deposit, balance inquiry, passbook entry, transfer, money transfer, and fixed-term deposit.

The mobile terminal 30 is a terminal used by a user (customer). The mobile terminal 30 includes a display unit 33. The display unit 33 is, for example, configured with a display function. The mobile terminal 30 is, for example, configured with a smartphone with a display function. The mobile terminal 30 may be other terminals with a display function, such as a tablet terminal or a notebook PC (Personal Computer). In this embodiment, the mobile terminal 30 includes an imaging unit, which will be described later. The imaging unit is, for example, configured with a camera with an imaging function. The mobile terminal 30 communicates with the ATM 10.

The mobile terminal 30 captures an image of the operation screen displayed on the display unit 15 of the ATM 10 and projects and displays it on the display unit 33 of the mobile terminal 30 itself. By operating the projected image displayed on the display unit 33 of the mobile terminal 30 through the input unit 38 of the mobile terminal 30, the user can carry out transaction operations on the ATM 10 without touching the operation screen displayed on the display unit 15 of the ATM 10. As a result, transactions can be carried out in a hygienic manner.

Figure 2 is a block diagram showing an example of the hardware configuration of ATM 10. ATM 10 has an ATM control unit 11, a memory unit 12, a display unit 15, an input unit 16, a passbook processing unit 18, a card processing unit 20, a banknote processing unit 22, a coin processing unit 24, a receipt issuing unit 26, and a communication unit 28. ATM 10 may also have other hardware configurations not shown in Figure 2.

The ATM control unit 11 provides overall control of the entire ATM 10, and has a CPU (Central Processing Unit) (not shown) that reads programs and executes control processing. The storage unit 12 has a RAM (Random Access Memory), a ROM (Read Only Memory), a HDD (Hard Disk Drive), etc. The storage unit 12 stores the programs executed by the ATM control unit 11, display screen data, and various other data. The storage unit 12 also provides a working area for the ATM control unit 11 when executing programs.

The display unit 15 is, for example, an LCD (Liquid Crystal Display), and displays to the customer an operation screen, a display screen, a menu screen, or a guide screen for operation instructions, in response to instructions from the ATM control unit 11. The input unit 16 is a touch panel integrated with the display unit 15 as described above, and allows the customer to select the type of transaction, the transfer destination, the transfer source, the transfer amount, the PIN number, the deposit/withdrawal amount, etc., and the input information is notified to the ATM control unit 11.

The passbook processing unit 18 has a passbook transport path that transports the passbook inserted into the passbook slot 112, a printing unit that prints the transaction details on the passbook, and an MS recording and playback unit that reads and writes data on the magnetic stripe affixed to the passbook. The passbook processing unit 18 also has a passbook sensor at the passbook slot 112 that detects the passbook, and the passbook processing unit 18 detects the insertion of a passbook or the removal of an ejected passbook using the passbook sensor and notifies the ATM control unit 11.

The card processing unit 20 has a card transport path that transports a card inserted into the card slot 111 to the inside and conversely ejects the card out of the card slot 111, an MS recording and playback unit that reads and writes data from the magnetic stripe affixed to the magnetic card, and a memory recording and playback unit that reads and writes data to the memory of the IC card. The card processing unit 20 has a card sensor in the card slot 111 that detects the presence of a card, and the card processing unit 20 detects the insertion of a card or the removal of an ejected card using the card sensor and notifies the ATM control unit 11.

The banknote processing unit 22 includes a banknote deposit/withdrawal mechanism, a banknote identification mechanism, and a banknote storage mechanism, all of which are not shown. The banknote deposit/withdrawal mechanism is a mechanism that deposits banknotes inserted by a user through the deposit/withdrawal port, and withdraws banknotes from the deposit/withdrawal port to a user. Note that in this embodiment, the deposit port and the withdrawal port are a common port, but this is not limited to this, and separate ports may be provided. The banknote identification mechanism is a mechanism that identifies the authenticity and denomination of deposited or withdrawn banknotes. The banknote storage mechanism further includes a banknote stacker, a banknote cassette, a banknote reject cassette, and the like, all of which are not shown.

The banknote stacker is a storage unit fixed to the banknote storage mechanism, and is a banknote temporary holding unit that temporarily stores banknotes for deposit and withdrawal. The banknote cassette is a cassette used in post-banknote processing, in which banknotes temporarily stored in the banknote stacker are transported to the banknote cassette after a transaction is completed and collected, and is a banknote storage unit. The banknote reject cassette stores banknotes that are not suitable for re-circulation.

The banknote processing unit 22 has a banknote sensor that detects banknotes being transported from the banknote stacker to the banknote cassette, and the banknote processing unit 22 detects banknotes being transported from the banknote stacker to the banknote cassette using the banknote sensor and notifies the ATM control unit 11.

The coin processing unit 24 includes a coin deposit/withdrawal mechanism, a coin identification mechanism, and a coin storage mechanism, all of which are not shown. The coin deposit/withdrawal mechanism is a mechanism that deposits coins inserted by a user through the deposit/withdrawal port, and withdraws coins from the deposit/withdrawal port to the user. Note that in this embodiment, the deposit and withdrawal ports are a common port, but this is not limited to this, and separate ports may be provided. The coin identification mechanism is a mechanism that identifies the authenticity and denomination of deposited and withdrawn coins. The coin storage mechanism further includes a coin stacker, coin cassette, coin reject cassette, and the like, all of which are not shown.

The coin stacker is a storage unit fixed to the coin storage mechanism, and is a coin temporary holding unit that temporarily stores coins for deposit and withdrawal. The coin cassette is a cassette used in post-coin processing, in which coins temporarily stored in the coin stacker are transported to the coin cassette for collection after the transaction is completed, and is a coin storage unit. The coin reject cassette stores coins that are not suitable for re-circulation.

The coin processing unit 24 has a coin sensor that detects coins being transported from the coin stacker to the coin cassette, and the coin processing unit 24 detects coins being transported from the coin stacker to the coin cassette using the coin sensor and notifies the ATM control unit 11. The banknote stacker and coin stacker are also collectively referred to as the "money stacker." The money stacker functions as part of the money temporary holding unit described below. The banknote cassette and coin cassette are also collectively referred to as the "money cassette (money storage unit)."

The receipt issuing unit 26 is equipped with a receipt printing mechanism and a receipt transport mechanism, and has the function of issuing a receipt medium, on which the details of the transaction performed by the customer are printed, to the customer by ejecting it from the receipt ejection port. The communication unit 28 transmits and receives data (messages) between the ATM 10 and a host server (not shown) via a network N (not shown).

When a customer makes a payment operation (withdrawal) to ATM 10, ATM 10 sends the customer's instructions to the host server as a payment transaction message, etc. The host server refers to a ledger that records the customer's account balance, etc. to determine whether the payment is permitted, and sends a payment authorization message to ATM 10 if the payment can be authorized. At the same time, the host server updates the ledger to deduct the payment amount from the customer's account. When ATM 10 receives a payment authorization message from the host server, it withdraws the specified amount. On the other hand, if the host server cannot authorize the payment, it sends a payment disallowance message to ATM 10.

Figure 3 is a block diagram showing an example of the hardware configuration of the mobile terminal 30. As shown in Figure 3, the mobile terminal 30 has a terminal control unit 31, a memory unit 32, a display unit 33, an input unit 34, an imaging unit 35, and a communication unit 36. The mobile terminal 30 may also have other hardware configurations not shown in Figure 3. Note that while Figure 3 shows one ATM 10, this is not limited to this and there may be multiple ATMs. The mobile terminal 30 may also be connected to a host server (not shown).

The terminal control unit 31 is a CPU or the like, and controls the operation of the entire mobile terminal 30 by expanding programs stored in the ROM or HDD of the storage unit 32 into the RAM of the storage unit 32 and executing them sequentially. The storage unit 32 is a RAM, ROM, HDD, or the like, and stores the programs executed by the terminal control unit 31, various setting information, etc.

The display unit 33 is, for example, an LCD display, and displays to the customer an operation screen, a display screen, a menu screen, a guide screen for operation instructions, etc. under the control of the terminal control unit 31. The input unit 34 is a touch panel integrated with the display unit 33 as described above, and the customer operates the projected screen on which the operation screen of the ATM 10 is projected to input the selection of the type of transaction, the transfer destination, the transfer source, the transfer amount, the PIN number, the deposit/withdrawal amount, etc. The input information is notified to the ATM 10 via the terminal control unit 31.

The imaging unit 35 is an imaging unit for capturing images of the operation screen of the ATM 10, and is equipped with an imaging element such as a CCD. The imaging unit 35 captures an image of a subject and generates a projection image. The communication unit 36 communicates with the ATM 10 through the network M under the control of the terminal control unit 31. The mobile terminal 30 transmits and receives data to and from the ATM 10 by communicating through the communication unit 36.

Although no specific specifications are in place for network M, wireless communication such as infrared or Bluetooth (registered trademark) is recommended.

Next, the functional configuration of the automated transaction system 100 including the ATM 10 and the mobile terminal 30 according to this embodiment will be described. FIG. 4 is a diagram showing an example of the functional configuration of the automated transaction system 100 including the ATM 10 and the mobile terminal 30 according to this embodiment.

The ATM control unit 11 of the ATM 10 has at least a transaction control unit 61 and a display control unit 62. The ATM 10 may have other functional configurations not shown in FIG. 4.

The transaction control unit 61 performs a transaction based on the transaction details sent from the mobile terminal 30. The display control unit 62 displays an operation screen on the display unit 15 according to the transaction details.

The terminal control unit 31 of the mobile terminal 30 has at least a screen imaging unit 51, an operation screen receiving unit 52, an operation acceptance unit 53, and an operation information transmission unit 54. The operation acceptance unit 53 has at least a display control unit 531. The screen imaging unit 51 captures an operation screen showing the transaction details of the ATM 10. The captured operation screen is projected and displayed on the display unit 33. The display control unit 531 displays the operation screen showing the transaction details of the ATM 10 on the display unit 33.

With reference to Figs. 5 to 13, an example of projecting and displaying the operation screen of the ATM 10 on the display unit 33 of the mobile terminal 30 will be described. Fig. 5 is a diagram showing an example of the operation screen displayed on the display unit 15 of the ATM 10. Fig. 6 is a diagram showing an example of an application selection screen displayed on the display unit 33 of the mobile terminal 30. Fig. 7 is a diagram showing an example of a communication start screen displayed on the display unit 33 of the mobile terminal 30. Fig. 8 is a diagram showing an example of an image capture preparation screen displayed on the display unit 33 of the mobile terminal 30. Figs. 9 to 11 are diagrams showing an example of a projection screen displayed on the display unit 33 of the mobile terminal 30. Fig. 12 is a diagram showing an example of an operation screen displayed on the display unit 15 of the ATM 10. Figs. 13 and 14 are diagrams showing an example of a projection screen displayed on the display unit 33 of the mobile terminal 30.

As shown in FIG. 5, an operation screen for selecting transaction details is displayed on the display unit 15 of the ATM 10. The operation screen changes as appropriate depending on the status of the transaction details. In the embodiment of FIG. 5, an initial screen of the transaction details is displayed.

Figure 6 shows the app selection screen before an application on the mobile terminal 30 is launched. The app selection screen is the initial state screen of the mobile terminal 30. When an icon 201 for executing the automated trading method of this embodiment is selected (touched) from among multiple icons displayed on the app selection screen based on an operation by a user (customer) of the mobile terminal 30, the terminal control unit 31 launches an application that executes the automated trading method.

When the application is started, the terminal control unit 31 displays a communication start screen shown in FIG. 7 on the display unit 33. The communication start screen displays a start button 202. The communication start screen displays a message indicating that the start button 202 must be operated to start communication with the ATM 10. When the start button 202 is operated (touched) based on the operation of the user (customer) of the mobile terminal 30, the terminal control unit 31 notifies the ATM 10 of a request to start communication processing via the communication unit 36, and when there is a response from the ATM 10 that communication has been established, displays a shooting preparation screen shown in FIG. 8 on the display unit 33. The shooting preparation screen displays a message requesting that the imaging unit 35 capture an image of the operation screen of the ATM 10. When the shooting preparation screen is displayed, the screen imaging unit 51 activates the imaging unit 35 and starts capturing images.

When the user (customer) photographs the operation screen of ATM 10 shown in FIG. 5 according to the message displayed on the photographing preparation screen, the operation screen receiving unit 52 receives information on the operation screen showing the transaction details in ATM 10. The display control unit 531 projects the operation screen of ATM 10 photographed by the screen imaging unit 51 onto the display unit 33, which displays the operation screen, as shown in FIG. 9. The projection screen shown in FIG. 9 projected onto the display unit 33 displays the operation buttons included in the operation screen of ATM 10, as well as a message indicating that the projected and displayed operation buttons are being recognized.

When the recognition results in a state in which the user (customer) can use the ATM, the terminal control unit 31 displays a message indicating that the ATM 10 can now be operated, as shown in FIG. 10, and highlights 203a the recognized buttons 203. In the embodiment of FIG. 10, the highlighting 203a is performed by covering each recognized button 203 with a dotted line. The highlighting is not limited to a dotted line, and may be a fluorescent display, a flashing display, a display in another color, etc.

By seeing the highlighted display 203a, the user can recognize that it is now possible to operate the ATM 10. In addition, the user can easily recognize that it is now possible to perform the transaction corresponding to the highlighted button 203. In addition, the user can easily recognize that it is now possible to operate the ATM 10 by seeing the message indicating that it is now possible to operate the ATM 10.

The operation acceptance unit 53 accepts operations on the operation screen. For example, the operation acceptance unit 53 accepts user operations on the operation screen showing the transaction details of the ATM 10. For example, as shown in FIG. 11, when the "Withdraw" button 203 is selected from among the buttons 203 displayed on the projection screen on which the operation screen of the ATM 10 is projected, the operation for the selected transaction detail, "Withdraw", is accepted. The terminal control unit 31 changes the color of the "Withdraw" button 203 for which the operation has been accepted. This allows the user to easily recognize that the transaction detail has been selected.

The operation information transmission unit 54 transmits information corresponding to the operation accepted by the operation acceptance unit 53 to the ATM 10. For example, the operation information transmission unit 54 transmits the transaction details accepted by the operation acceptance unit 53 to the ATM 10 via the communication unit 36. For example, in FIG. 11, when the selection of the transaction details "Withdraw" is accepted, the operation information transmission unit 54 transmits information (information on the transaction details) corresponding to the operation of "Withdraw" that was selected and accepted to the ATM 10. This allows the user (customer) to perform a transaction without touching the operation screen displayed on the display unit 15 (input unit 16) of the ATM 10. As a result, a transaction can be performed without having to consider the unsanitary condition of the ATM 10 screen, which can prevent a decrease in the number of users.

When the operation screen changes, the same processes as those shown in Figures 9 to 11 above are repeatedly executed.

The case where the operation screen on the display unit 15 of the ATM 10 transitions to the operation screen for inputting a PIN number will be described with reference to Figures 12 to 14.

As shown in FIG. 12, a PIN entry screen is displayed as an operation screen on the display unit 15 of the ATM 10. The PIN entry screen displays numeric keypad buttons for entering a PIN and a message prompting the user to enter a PIN.

The display control unit 531 projects the image captured by the screen imaging unit 51 onto the display unit 33, which displays the operation screen of the ATM 10, as shown in FIG. 13. The projection screen shown in FIG. 13 projected onto the display unit includes the numeric keypad buttons 204 for inputting a PIN number included in the operation screen of the ATM 10, and also displays a message indicating that the projected and displayed operation buttons are being recognized.

When the recognition results in a state in which the user (customer) can use the ATM, the terminal control unit 31 displays a message indicating that the ATM 10 can now be operated, as shown in FIG. 14, and highlights 204a the recognized buttons 204. In the embodiment of FIG. 14, the highlighting 203a is performed by covering each recognized button 203 with a dotted line. The highlighting is not limited to a dotted line, and may be a fluorescent display, a flashing display, a display in another color, etc.

By seeing the highlighted display 203a, the user can recognize that it is now possible to operate the ATM 10. In addition, the user can recognize that it is now possible to perform the transaction corresponding to the highlighted button 203.

The operation reception unit 53 receives operations for transaction details included in an operation screen showing transaction details of the ATM 10 based on user operations. For example, as shown in FIG. 13, it receives operations for a PIN number corresponding to a selected button among the buttons 204 of the numeric keypad displayed on the projection screen on which the operation screen of the ATM 10 is projected.

The operation information transmission unit 54 transmits the transaction details of the PIN accepted by the operation acceptance unit 53 to the ATM 10 via the communication unit 36. For example, in FIG. 13, when the selection of the transaction details of the PIN "1234" is accepted, the operation information transmission unit 54 transmits information (information on the transaction details) corresponding to the operation of the accepted selection of "1234" to the ATM 10. This allows the user (customer) to enter the PIN and perform the transaction without touching the operation screen displayed on the display unit 15 (input unit 16) of the ATM 10. As a result, transactions can be performed without having to consider the unsanitary condition of the ATM 10 screen, which can prevent a decrease in the number of users.

Next, an example of an automatic trading process executed by the automatic trading system 100 will be described with reference to Figures 15 and 16. Figures 15 and 16 are sequence charts showing an example of an automatic trading process executed by the automatic trading system 100.

When the automatic transaction process is started, the ATM control unit 11 of the ATM 10 displays an operation screen for selecting the transaction content shown in FIG. 5 on the display unit 15 as an operation screen (step S101). Also, when the automatic transaction process is started, the terminal control unit 31 of the mobile terminal 30 displays an application selection screen shown in FIG. 6 on the display unit 33. Then, when the icon 201 is selected, the terminal control unit 31 starts the application (step S102).

When the application is started, the terminal control unit 31 displays the communication start screen shown in FIG. 7 on the display unit 33 (step S103). Based on the user's operation, the terminal control unit 31 determines whether an operation to start communication has been accepted, i.e., whether an operation on the start button 202 shown in FIG. 7 has been accepted (step 104).

If the operation to start communication has not been received (step S104: NO), the process waits until the operation to start communication is received. If the operation to start communication is received (step S104: YES), the process notifies the ATM 10 of the start of communication and requests the ATM 10 to start communication (step S105).

When the ATM control unit 11 of the ATM 10 receives a communication start request from the mobile terminal 30, it starts the communication start process (step S106) and responds to the mobile terminal 30 that communication has been established (step S107).

When the terminal control unit 31 of the mobile terminal 30 receives a response from the ATM 10 indicating that communication has been established, it displays the image capture preparation screen shown in FIG. 8 on the display unit 33 (step S108).

The terminal control unit 31 starts capturing an image (step S109) and performs the capturing process (step S110). In the capturing process, the terminal control unit 31 captures an image of the operation screen of the ATM 10 shown in FIG. 5 using the capturing unit 35.

When the imaging process is performed, the terminal control unit 31 projects and displays the image captured by the imaging unit 35 as a projection image on the display unit 33 as shown in FIG. 9 (step S111). As shown in FIG. 9, the terminal control unit 31 determines whether or not the terminal is in an operable state (step S112). The operable state is determined, for example, based on whether or not all of the operation screen displayed on the display unit 15 of the ATM 10 is included on the projection screen of the display unit 33. If the terminal is not in an operable state (step S112: NO), the mobile terminal 30 waits to process until the terminal is in an operable state.

When the operation is possible (step S112: YES), the terminal control unit 31 highlights 203a the button 203 corresponding to the transaction content displayed on the projection screen as shown in FIG. 10 (step S113). By seeing the highlighting 203a, the user can recognize that the ATM 10 can now be operated. The user can also recognize that the transaction corresponding to the highlighted button 203 can now be operated.

When the terminal control unit 31 is in an operable state, the terminal control unit 31 also locks the projection screen shown in FIG. 10 so that it does not move (step S114). By locking the projection screen, even if the mobile terminal 30 is moved, the user can operate the projection screen displayed on the display unit 33 of the mobile terminal 30. This improves the operational efficiency for the user.

The terminal control unit 31 also displays a message on the projection screen to the effect that it is now possible to operate the ATM 10, as shown in FIG. 10 (step S115). By seeing the message to the effect that it is now possible to operate the ATM 10, the user can easily recognize that it is now possible to operate the ATM 10.

The terminal control unit 31 determines whether or not operation of the button 203 on the operation screen has been accepted (step S116). If operation of the button 203 on the operation screen has not been accepted (step S116: NO), the process waits until operation of the button 203 on the operation screen is accepted. If operation of the button 203 on the operation screen has been accepted (step S117: YES), the terminal control unit 31 notifies the ATM 10 of the content of the transaction corresponding to the operated button 203 (step S117).

For example, as shown in FIG. 11, when the "Withdrawal" button 203 is selected, the terminal control unit 31 notifies the ATM 10 of the transaction "Withdrawal" information corresponding to the selected "Withdrawal" button 203 (step S117).

The ATM control unit 11 of the ATM 10 determines whether or not transaction information has been notified from the mobile terminal 30 (step S118). If transaction information has not been notified from the mobile terminal 30 (step S118: NO), the process goes into standby. If transaction information has been notified from the mobile terminal 30 (step S118: YES), the ATM control unit 11 executes a transaction according to the type of button operated. For example, if the terminal control unit 31 operates "withdrawal" in step S116, the ATM control unit 11 executes a transaction related to "withdrawal."

As a result of executing the transaction in step S119, the ATM control unit 11 determines whether the transaction has been completed (step S120). If the transaction has not been completed (step S120: NO), the ATM control unit 11 displays an operation screen corresponding to the transaction content on the display unit 15 (step S121). In this process, as shown in FIG. 12, for example, the ATM control unit 11 transitions the operation screen and displays a PIN input screen as a new operation screen on the display unit 15. Thereafter, the process returns to step S118, and steps S118 to S121 are repeatedly executed until the transaction is completed.

If the transaction is completed (step S120: YES), the ATM control unit 11 notifies the mobile terminal 30 of the completion (step S122). After that, the automatic transaction process by the ATM 10 is completed, and the process returns to the initial state.

The terminal control unit 31 of the mobile terminal 30 determines whether or not an end notification has been received from the ATM 10 (step S123). If an end notification has not been received (step S123: NO), the process returns to step S110, and steps S110 to S117 are repeatedly executed until an end notification is received. If an end notification has been received (step S123: YES), the automatic transaction process by the mobile terminal 30 ends, and the process returns to the initial state.

As a result of the above, by operating the projected screen displayed on the mobile terminal 30, the user (customer) can perform a transaction without touching the operation screen displayed on the display unit 15 (input unit 16) of the ATM 10. As a result, transactions can be performed without having to worry about the unsanitary condition of the ATM 10 screen, which can prevent a decrease in the number of users.

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

11: ATM control unit 12: Memory unit 15: Display unit 16: Input unit 18: Passbook processing unit 20: Card processing unit 22: Banknote processing unit 24: Coin processing unit 26: Receipt issuing unit 28: Communication unit 30: Portable terminal 31: Terminal control unit 32: Memory unit 33: Display unit 34: Input unit 35: Imaging unit 36: Communication unit 38: Input unit 51: Screen imaging unit 52: Operation screen receiving unit 53: Operation accepting unit 531: Display control unit 54: Operation information transmitting unit 55: Scale accepting unit 56: Screen recording unit 57: Transaction content recording unit 61: Transaction control unit 62: Display control unit 100: Automatic transaction system 111: Card slot 112: Passbook slot 113: Banknote slot 114: Coin slot N: Network

Claims (6)

An automated transaction system comprising an automated transaction device and a mobile terminal that communicates with the automated transaction device,
The mobile terminal includes:
an operation screen receiving unit for receiving information on an operation screen showing transaction details in the automated transaction device;
an operation receiving unit that receives an operation on the projected and displayed operation screen;
an operation information transmission unit that transmits the information corresponding to the operation accepted by the operation acceptance unit to the automated transaction device;
Equipped with
The automated transaction device includes:
An automated trading system comprising a trading control unit that performs trading based on the information transmitted by the operation information transmission unit. The mobile terminal includes:
A screen imaging unit that images the operation screen of the automated transaction device, the operation screen showing the transaction content,
2. The automated transaction system according to claim 1, wherein the operation reception unit receives operations on the operation screen that is imaged by the screen imaging unit and projected and displayed . The operation reception unit is
a display control unit that projects and displays the operation screen showing the transaction content of the automated transaction device,
the operation reception unit receives an operation on a key corresponding to the transaction content included on the operation screen projected and displayed by the display control unit,
3. The automated transaction system according to claim 1, wherein the operation information transmitting unit transmits the transaction details corresponding to the key accepted by the operation accepting unit to the automated transaction device. An automated transaction method executed by an automated transaction system including an automated transaction device and a mobile terminal that communicates with the automated transaction device,
receiving, by the mobile terminal, operation screen information showing transaction details in the automated transaction device;
accepting, by the mobile terminal, an operation for the transaction content included in the projected and displayed operation screen;
transmitting the information corresponding to the accepted operation to the automated transaction device;
An automated transaction method, comprising the steps of: conducting a transaction at said automated transaction device based on said information transmitted from said mobile terminal. A mobile terminal that communicates with an automated transaction device,
an operation screen receiving unit for receiving information on an operation screen showing transaction details in the automated transaction device;
an operation receiving unit that receives an operation on the projected and displayed operation screen;
an operation information transmission unit that transmits the information corresponding to the operation accepted by the operation acceptance unit to the automated transaction device;
A mobile terminal comprising: A program executed by a mobile terminal that communicates with an automated transaction device,
receiving information on an operation screen of the automated transaction device, the information indicating transaction details;
accepting an operation for the transaction content included in the projected and displayed operation screen ;
A program that executes a process of transmitting the information corresponding to the accepted operation to the automated transaction device.