JP6141769B2 - 移動電話のatm処理方法及びシステム - Google Patents
移動電話のatm処理方法及びシステム Download PDFInfo
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Description
本発明の或る実施例について、図1を参照して説明する。図1は、或る実施例によるシステム100のブロック図である。図示のように、支払い口座保持者又は他のユーザ若しくはオペレータ(以下では“顧客”又は“口座保持者”と呼ばれる)は、移動装置102(移動電話等)を有してもよく、使用してもよい。移動装置102は、ディスプレイ画面136と、データ入力装置138(キーパッド又はタッチスクリーン等)とを有する。本発明の実施例によれば、顧客は、ATM装置108と相互作用することにより、及び移動装置102のATMアプリケーションと相互作用することにより、ATM装置108とのATMトランザクションを行うために、移動装置102を使用してもよい。プラスチックカード(デビットカード、ATMカード又は他の銀行カード等)は、ATM装置108に挿入される必要はなく、トランザクションは、ATM装置108へのプラスチックカードの提示又は挿入なしに生じる。ATM装置108は、従来のATM装置(Diebold(R)により製造されたATM等)又は現金引出装置(無人キオスク等)でもよい。
本発明の或る実施例によるシステムのいくつかの態様の更なる詳細について図2を参照して説明する。図2は、移動装置202とATM装置208とトランザクション管理システム230と支払い処理システム232との間の通信パスを示す例示的な支払いシステムネットワーク環境のブロック図である。例えば、移動装置202は、移動電話、PDA、パーソナルコンピュータ等でもよい。例えば、移動装置202は、Apple Inc.からのiPhone(R)でもよく、RIMからのBlackBerry(R)でもよく、Google Android(R)オペレーティングシステムを使用した移動装置等でもよい。或る実施例によれば、移動装置202は、移動装置202がここに記載する支払い装置として動作することを可能にするATMアプリケーションを動作してもよい。或る実施例では、移動装置202は、移動装置202を操作する顧客がウェブインタフェースを介してトランザクションを開始するためにトランザクション管理システム230と相互作用し得るように、ウェブコンテンツにアクセスして表示可能であり、又はインターネットにアクセス可能である。
顧客が本発明の実施例の特徴を使用してATMトランザクションを行うことができるように、装置のディスプレイ画面(図2のディスプレイ236等)上に移動装置(図2の移動装置202等)を操作するユーザに対して提示され得る例示的なユーザインタフェースを示す図3を参照する。顧客インタフェースは、AppleのiPhone移動装置に表示されるものとして示されている。当業者は、同様のユーザインタフェースが他の移動装置に表示され得ることを認識する。
或る実施例による移動装置700の構成要素を示すブロック図を示す図7を参照する。図示のように、移動装置700は、或る実施例の機能を実行するように1つ以上のアプリケーションプログラム710-712に関する機能を実行する複数の構成要素、又は制御され得る複数の構成要素を含む。
或る実施例によるトランザクション処理800を示すフローチャートである図8を参照する。処理800は、移動装置を操作する口座保持者(又は“顧客”)の観点から示されている。例えば、トランザクション処理800は、本発明によるATMでのトランザクションを完了させるために、移動装置(図2の装置202等)を動作する顧客により実行されてもよい複数のステップを含む。或る実施例によれば、処理800は、移動装置202にインストールされたアプリケーションソフトウェアの制御で実行される。他の実施例では、処理800は、遠隔トランザクションシステム(又はトランザクションシステムと通信するウェブサーバ)で維持管理及び操作されるソフトウェアの制御で実行され、移動装置202は、ウェブブラウザを介してソフトウェアと相互作用する。アプリケーションプログラムの使用について、ここで説明する。
Claims (24)
- 口座保持者と現金自動預払機(ATM)との間でトランザクションを完了させるために移動装置を動作させる方法であって、
前記ATMの位置で前記口座保持者に提示されるATMコードを前記移動装置により取得させるステップであり、前記ATMコードは、前記トランザクションを一意に識別するために動的に生成されるステップと、
前記口座保持者に関連する利用可能なトランザクション口座を判定するステップと、
前記ATMコードに関連する情報と、前記トランザクションで使用される前記口座保持者に関連する選択されたトランザクション口座を識別する情報とを含むトランザクション要求メッセージを遠隔トランザクション管理システムに送信するステップであり、前記ATMコードは、前記遠隔トランザクション管理システムで処理されている他の未定のトランザクションから前記トランザクションを一意に識別するステップと、
前記トランザクションを完了させるための命令を前記トランザクション管理システムから受信するステップと
を有する方法。 - 前記ATMコードは、(i)英数字コード、(ii)数字又はシンボルで構成されたコード、(iii)(a)バーコード及び(b)QRコードのうち少なくとも1つを含む符号化された画像、並びに(iv)無線信号のうち少なくとも1つを使用して提示される、請求項1に記載の方法。
- 前記ATMコードは、特定の位置の特定のATMに関連する静的な識別子を含む、請求項2に記載の方法。
- 前記ATMコードは、前記トランザクションについて生成され、前記ATMに関連するディスプレイ装置を介して表示された動的な識別子を含む、請求項2に記載の方法。
- 前記動的な識別子は、前記ATMにおける前記トランザクションで使用するために前記トランザクション管理システムにより生成される、請求項4に記載の方法。
- 前記ATMコードは、(i)前記ATMを識別する情報、(ii)前記口座保持者により選択されたトランザクション種別、(iii)前記口座保持者により選択されたトランザクション金額、及び(iv)情報メッセージのうち少なくとも1つを含むように生成される、請求項4に記載の方法。
- 前記利用可能なトランザクション口座を識別する情報を表示することは、前記トランザクション管理システムに登録された前記口座保持者のトランザクション口座の全てを表示することを有する、請求項1に記載の方法。
- 前記口座保持者に関連する利用可能なトランザクション口座のリストを識別する情報と、前記利用可能なトランザクション口座のうち少なくとも1つを選択する要求とを前記トランザクション管理システムから受信するステップを更に有する、請求項1に記載の方法。
- 前記ATMにおいて前記口座保持者に利用可能な一式のトランザクション選択肢を識別する情報と、前記トランザクション選択肢のうち少なくとも1つを選択する要求とを前記トランザクション管理システムから受信するステップを更に有する、請求項1に記載の方法。
- 前記一式のトランザクション選択肢を識別する前記情報は、前記ATMコードが前記移動装置により取得される前に受信される、請求項9に記載の方法。
- 前記移動装置のディスプレイ装置に前記利用可能なトランザクション口座のリストを表示するステップを更に有し、
前記利用可能なトランザクション口座のリストを表示することは、前記利用可能なトランザクション口座毎に、(i)利用可能な残高、(ii)前記口座を使用して前記ATMで利用可能なトランザクション選択肢、及び(iii)オファー情報のうち少なくとも1つを表示することを更に有する、請求項8に記載の方法。 - 前記利用可能なトランザクション口座のリストを表示することは、前記移動装置のディスプレイ装置に表示することを更に有する、請求項11に記載の方法。
- (i)前記口座保持者、及び(ii)前記移動装置のうち少なくとも1つを認証するステップを更に有する、請求項1に記載の方法。
- 前記口座保持者を認証することは、(i)ATMコードを前記移動装置により取得させる前、及び(ii)ATMコードを前記移動装置により取得させた後のうち少なくとも1つに実行される、請求項13に記載の方法。
- 前記移動装置は、メモリにインストールされたATMトランザクションアプリケーションを有するスマートフォンであり、
前記口座保持者を認証することは、前記ATMトランザクションアプリケーションに対して前記口座保持者を認証するパスコードについて前記口座保持者に促すことを更に有する、請求項14に記載の方法。 - 前記口座保持者を認証することは、(i)ユーザ識別子及びパスワード、及び(ii)個人識別番号のうち少なくとも1つに基づいて前記口座保持者の識別情報を確認することを更に有する、請求項14に記載の方法。
- 前記移動装置は、ウェブ可能な電話であり、
前記口座保持者を認証することは、前記移動装置のブラウザを前記トランザクション管理システムに関連するウェブページに指示し、パスコードについて前記口座保持者に促すことを更に有し、
前記パスコードは、前記トランザクション管理システムに対して前記口座保持者を認証する、請求項14に記載の方法。 - 前記移動装置を認証することは、(i)前記口座保持者を認証する前、及び(ii)前記口座保持者を認証した後のうち少なくとも1つに実行される、請求項13に記載の方法。
- 前記移動装置を認証することは、前記移動装置と前記トランザクション管理システムとの間の接続を確立することを更に有し、
前記トランザクション管理システムは、前記移動装置に関連する認証データと、前記移動装置に関連する格納されたデータとを比較するように動作可能である、請求項13に記載の方法。 - 前記移動装置の認証データは、(i)移動電話番号、及び(ii)前記移動装置に関連する固有の識別子のうち少なくとも1つを含む、請求項19に記載の方法。
- 前記移動装置に関連する前記固有の識別子は、(i)ハードウェア識別子、(ii)シリアル番号、(iii)ASIN、及び(iv)UUIDのうち少なくとも1つである、請求項20に記載の方法。
- 前記トランザクションを完了させるための前記命令は、前記トランザクションを完了させるために前記ATMに入力される一時コードを更に有し、
前記トランザクション管理システムは、前記一時コードを前記ATMに送信し、前記トランザクションを生じさせることを可能にする、請求項1に記載の方法。 - 前記トランザクションを完了させるための前記命令は、前記口座保持者が前記ATMのデータ入力装置と相互作用し、トランザクション種別及びトランザクションの詳細を選択するように促すことを更に有し、
前記トランザクション管理システムは、許可情報を前記ATMに送信し、前記トランザクションを生じさせることを可能にする、請求項1に記載の方法。 - 口座保持者に関連する移動装置と、
トランザクション管理システムと通信する現金自動預払機(ATM)と
を有するトランザクションシステムであって、
前記トランザクション管理システムは、
前記ATMで行われるトランザクションを一意に識別するATMコードを前記ATMからの要求に応じて動的に生成させ、
前記ATMコードを前記ATMに送信し、
前記ATMコードに関連する情報と、前記口座保持者に関連する情報と、前記移動装置に関連する情報とを含むトランザクション要求メッセージを前記移動装置から受信し、
前記ATMコードに基づいて他の未定のトランザクションから前記トランザクションを識別し、
前記口座保持者に関連する利用可能なトランザクション口座を識別する情報を前記移動装置に送信し、
前記口座保持者の前記トランザクションを完了させるための命令を前記ATMに送信するように構成される、トランザクションシステム。
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BR112013016171A2 (pt) | 2018-07-17 |
CA2819696A1 (en) | 2012-06-28 |
EP2656292A2 (en) | 2013-10-30 |
US9412106B2 (en) | 2016-08-09 |
CN103282929A (zh) | 2013-09-04 |
WO2012088512A2 (en) | 2012-06-28 |
US9659294B2 (en) | 2017-05-23 |
US20170262844A1 (en) | 2017-09-14 |
CN111476654B (zh) | 2024-03-12 |
CN103282929B (zh) | 2020-04-10 |
US10504108B2 (en) | 2019-12-10 |
US20160180307A1 (en) | 2016-06-23 |
EP2656292A4 (en) | 2014-07-02 |
US20150178732A1 (en) | 2015-06-25 |
US20140191028A1 (en) | 2014-07-10 |
US9401077B2 (en) | 2016-07-26 |
US11107072B2 (en) | 2021-08-31 |
AU2011348061A1 (en) | 2013-06-13 |
US8632000B2 (en) | 2014-01-21 |
US20210357926A1 (en) | 2021-11-18 |
US9911120B2 (en) | 2018-03-06 |
CN111476654A (zh) | 2020-07-31 |
US11887110B2 (en) | 2024-01-30 |
US20200111089A1 (en) | 2020-04-09 |
US20180285865A1 (en) | 2018-10-04 |
JP2014508338A (ja) | 2014-04-03 |
AU2011348061B2 (en) | 2015-12-10 |
WO2012088512A3 (en) | 2012-10-11 |
US20120160912A1 (en) | 2012-06-28 |
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