| 摘要 |
<P>PROBLEM TO BE SOLVED: To provide a system for the elimination of congestion at an ATM installation location where a user has gone to with effort, the reduction of waiting time for ATM operation, and the prevention of leakage of important information to others, to provide a cellular phone with its security secured owing to the spread of portable terminals, and to provide a novel commercial transaction method. <P>SOLUTION: In the system, which has one or more user portable terminals, a cash payback function part, and one or more ATM terminals being automatic transaction devices, the user terminals and the cash payback function part are connected through a first network, the cash payback function part and the ATM terminal are connected through a second network different from the first network. After the cash payback function part is made, by the user terminal, to confirm the authentication of the user terminal, a reservation for payback or deposit is made. The cash payback function part inputs the reservation for the payback or deposit from the user terminal which has been authenticated and confirmed, after confirming the authentication of the user terminal, and stores the information. <P>COPYRIGHT: (C)2005,JPO&NCIPI |
