JP2007102620A - Cash transfer system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cash transfer method capable of displaying a warning only to a necessary customer by instructing display of a caution statement from a host when a customer is going to transfer money to a new account or transfer a large amount of money. <P>SOLUTION: In the cash transfer system which transfers money to a transfer destination account by inputting transfer destination account information from an input part of an automated transaction machine 2, a transfer information DB 30 is provided which stores past transfer transaction information for each transfer request person, and a warning is displayed when the customer has never transferred money to the transfer destination account for a current transfer transaction. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a cash transfer system using an automatic cash transaction apparatus (hereinafter referred to as ATM) having a function of controlling the presence / absence of a transfer fraud warning message.

Transfer transactions using ATMs are often performed, but since there are no intermediaries in charge of financial institutions, they may be abused for crimes such as wire fraud.
“Transfer fraud” is a general term for so-called “Ole scams”, fictitious billing frauds, loan deposit frauds, etc. that trick victims into transferring money. When using the counter, there may be cases where a financial institution's attendant notices a suspicious point, which may be prevented, but if an ATM is used for the transfer, the attendant will not intervene and the transfer will be performed There are many. Utilizing this, the existence of a technique for specifying the use of ATM for transfer is known. As a means of alerting bank transfer fraud at ATMs, measures are taken to display a warning message on the ATM screen. However, when a transfer is made at an ATM, the warning message is always displayed on the screen.

  For this reason, there is a problem that it is annoying for a customer who makes a transfer without any problem, and an unnecessary display for a customer who makes a transfer to the same place every month. As a result of repeating such unnecessary display, it is possible that the customer becomes accustomed to the warning display and the warning display is ignored when the customer is actually involved in a transfer fraud. For this reason, a cash transfer method that does not display a warning when it is unnecessary is necessary.

In order to solve such a problem, the cash transfer system of the present invention has the following configuration.
<Configuration 1>
In the cash transfer system that inputs the bank account information from the input part of the automatic transaction device and deposits into the bank account,
It has a transfer information DB that accumulates past transfer transaction information for each transfer requester,
A warning is displayed under the first condition that the transfer destination account of the current transfer transaction is an account that has not been transferred in the past.
<Configuration 2>
In addition to the first condition, a warning is displayed under a second condition that the amount is equal to or more than a predetermined magnification of the past transfer amount for the transfer destination account.
<Configuration 3>
In addition to the first and second conditions, a warning is displayed according to a third condition that the current transfer amount is greater than or equal to a predetermined amount.
<Configuration 4>
The host has a transfer information DB, and when the host receives a transfer request message from the automatic transaction apparatus, the host searches the transfer information DB based on the transfer destination account of the transfer request and answers the first condition. In this case, the information on the warning display is notified to the automatic transaction apparatus.
<Configuration 5>
In addition to the first condition, the host notifies the automatic transaction apparatus of information indicating that a warning is required based on a second condition that the amount is equal to or greater than a predetermined magnification of the past transfer amount for the transfer destination account. To do.
<Configuration 6>
In addition to the first and second conditions, the host notifies the automatic transaction apparatus of information requiring a warning display according to a third condition that the current transfer amount is a predetermined amount or more.
<Configuration 7>
The warning display is a wire fraud warning.

  In the case of a customer who is about to transfer money to the account for the first time or to transfer a large amount of money, a warning message can be displayed only for necessary customers by issuing an instruction to display a warning message in accordance with a host instruction.

  Examples of the present invention will be described as follows.

<Configuration of Example 1>
FIG. 1 is a system configuration diagram of the present invention.

  Reference numeral 2 denotes an ATM installed in a bank or the like, and reference numeral 1 denotes a bank host computer connected to the transaction, which is connected to the ATM via a network.

  The host computer 1 includes a warning necessity determination unit 3. The warning necessity determination unit 3 performs processing for determining whether or not to warn a customer who is currently using an ATM. A transaction information database 30 is connected to the host computer.

  In the transaction information database (hereinafter referred to as transaction information DB) 30, the contents of transactions that the customer has performed in the past are recorded together with the customer information over a predetermined period. Transactions include deposits, withdrawals and transfers. The contents of the data in the transaction information DB 30 are shown in FIG. The store number and account number are account information of the customer who is the client of the transaction, and are information for identifying the customer. The transaction date is the date when the transaction was executed. The transaction type is information indicating whether the transaction is a transfer, withdrawal, or deposit. The transaction amount is the amount of money transferred in the transaction. The bank account information, store number, account number, and account name information are stored in the bank account information as the bank account information. These data are accumulated for each customer for a predetermined period such as one year. In the case of FIG. 3, it can be seen that the customer regularly conducts a transfer transaction as a loan or the like for the same account on the 10th of every month. In the present invention, the transaction information DB 30 particularly has a role as a transfer information DB.

  In addition to this, the host computer 1 has a normal configuration for executing bill transactions. However, since it is a conventional configuration, its illustration is omitted.

  Here, the warning necessity determination unit 3 will be described.

  As described above, the transaction information DB 30 stores a transfer history for each customer, and when a transfer transaction request message is transmitted from the ATM 2 to the host computer 1, a control unit (not shown) of the host computer displays a warning necessity determination unit 3 To start processing. The warning necessity determination unit 3 accesses the transaction information DB 30 and refers to the transfer history based on the account information of the customer who is performing the transaction. If the account information of the transfer destination included in the transfer request transmitted from the ATM exists in the past transfer history more than a predetermined number of times, it is determined that the warning display is unnecessary because the transfer has been made in the past. In that case, the host computer 1 sets a flag of “transfer fraud display unnecessary” as a warning display necessity information in the transaction response message to the ATM and transmits it. At this time, the predetermined number of times is, for example, three times. If the predetermined number of times is increased, it is possible to make it unnecessary to display a warning only for a bank account with a high bank transfer frequency.

  If the transfer destination has not been transferred in the past, it is determined that a warning is required. In this case, the host computer 1 sends the information “remittance fraud display required” as information indicating whether or not a warning display is required.

  Furthermore, if the transfer amount that has been transferred in the past is large, it is determined that a warning display is required. In that case, the host computer 1 sets a flag of “transfer fraud display required” in the transaction response message to the ATM and transmits it. To determine whether the transfer amount is large, the average value of the transfer amount to the transfer destination is obtained from the past transfer history, and this transfer amount is a predetermined multiple (for example, 1.5 times) or more of the average value. When the current transfer amount is a predetermined amount (for example, 100,000 yen) or more, it is determined that the amount is large.

  In this way, by setting it as a condition that it is equal to or more than a predetermined multiple of the average, for example, even if it is generally high, it is possible to eliminate the need for a warning if the amount is close to the amount that is regularly transferred. . In addition, if the transfer amount is set to a predetermined amount or more, for example, when a relatively low amount of transfer (for example, 10,000 yen) is regularly performed, for example, about 3 times the normal amount (for example, 3) If you pay a million yen, you can avoid a situation where you receive a warning despite the low price.

  The ATM 2 includes a control unit 4, a communication unit 5, a storage unit 6, a customer operation unit 7, a card reader unit 8, a bankbook entry unit 9, a banknote deposit / withdrawal unit 10, and a coin deposit / withdrawal unit 11.

  The control unit 4 controls the entire processing unit of the ATM 2 and is configured by a control program and a bios that operate on the CPU of the ATM 2. Here, the communication unit 5 provides a communication interface for communicating with the host computer 1, and includes a communication interface card and its control software. The storage unit 6 is a memory. The customer operation unit 7 is a display input unit such as a touch panel using an LCD, a CRT, or the like. The card reader unit 8 is for reading information such as a cash card and is a reader corresponding to a magnetic card, an IC card, or the like. The passbook entry unit 9 is for entering unbooked data in response to the insertion of a passbook brought by the customer. The banknote deposit / withdrawal unit 10 and the coin deposit / withdrawal unit 11 each accept a customer's banknote or coin, or dispense a banknote or coin to the customer. In addition, although ATM2 is equipped with normal ATM structures, such as a safe for storing banknotes and coins, the illustration is omitted.

  In addition, in FIG. 2, the external view of ATM2 in this invention is shown.

<Operation of Example 1>
FIG. 4 is a flowchart of ATM transaction operation processing.

  S101: The customer who wants to make a transfer selects a transaction on the transaction selection screen (FIG. 6A) displayed on the screen of the ATM customer operation unit 7. Here, it is assumed that the “transfer” button is selected.

  S102: Next, a card is inserted by screen guidance. The customer's account information is read from the inserted card by the card reader unit 8.

  S103: Next, a personal identification number is inputted by screen guidance. The entered password is stored in the storage unit 6.

  S104: Next, the transfer amount is input by screen guidance. The input transfer amount is stored in the storage unit 6.

  S105: When the transfer amount is input, an amount confirmation screen is displayed to confirm whether the amount is correct. When the amount is correct, the confirmation button on the screen is pressed.

  S106: Next, the transfer destination financial institution type is selected by screen guidance. The selected financial institution type is stored in the storage unit 6.

  S107: Next, the initial name of the financial institution at the transfer destination is input by screen guidance. When an initial is entered, a list of corresponding financial institution names is displayed.

  S108: When a transfer destination financial institution name is selected from the displayed list, the selected financial institution name is stored in the storage unit 6.

  S109: Similarly, the branch name initials of the transfer destination are input, and a list of branch names corresponding to the selected financial institution is displayed.

  S110: When a branch is selected from the displayed list, the branch name of the selected transfer destination is stored in the storage unit 6.

  S111: Next, the account number of the transfer destination is entered by screen guidance. The input account number of the transfer destination is stored in the storage unit 6.

  S112: Next, the telephone number of the client is entered by screen guidance. The input telephone number of the client is stored in the storage unit 6.

  S113: When input of all transfer information is completed, communication processing with the host is performed. Based on the input transfer information, the host determines whether or not warning display is required, and notifies the ATM of the warning display necessity information.

  S114: A caution wording is displayed on the transfer confirmation screen according to the notified warning display necessity information. That is, when there is a notification indicating that warning display is required, warning display is performed. FIG. 6B shows a transfer confirmation screen in a case where a warning is displayed with a warning word. Here, “Beware of wire fraud!” Is displayed as a caution statement.

  Next, a warning display necessity determination process performed on the host side will be described.

  FIG. 5 is a flowchart of processing performed by the warning necessity determination unit 3 of the host computer 1.

  S201: When the host computer 1 receives the transfer request message from the ATM 2, the control unit of the host computer 1 causes the warning necessity determination unit 3 to start processing.

  S202: The warning necessity determination unit 3 searches the transaction information DB 30 based on information (financial institution code, store number, account number) of the transfer destination of the transfer request, and extracts a transfer transaction to the same transfer destination.

  S203: If the number of extracted cases is a predetermined number (for example, 3) or more, the process proceeds to S204. If it is less than the predetermined number, the process proceeds to S206.

  S204: The average amount of the transfer amount in the past transfer transaction extracted in S202 is calculated.

  S205: The current transfer amount is compared with a value obtained by calculating the average amount obtained in S204 at a predetermined magnification (for example, 1.5 times). If the current transfer amount is equal to or greater than a value obtained by multiplying the average amount by a predetermined amount, the process proceeds to S207. Otherwise, no warning display is necessary, and the process proceeds to S206.

  S206: Information that does not require warning display is held as a determination result.

  S207: It is confirmed whether or not the current transfer amount is less than a predetermined amount (for example, 100,000 yen). If it is less than the predetermined amount, it is regarded as a low amount and the process proceeds to S206. Otherwise, it is necessary to display a warning, and the process proceeds to S208.

  S208: Information about warning display is held as a determination result.

  S209: The determination result is output. The host computer 1 notifies the ATM 2 of whether the warning display is necessary or not based on the output determination result.

  In addition, in this embodiment, in addition to determining whether or not a transfer transaction to the same account as this time has been performed in the past, which is the first condition, the current transaction amount is Whether or not the warning display is necessary is determined by determining whether or not the amount is equal to or larger than the average multiplied by the average and whether or not the current transaction amount is equal to or larger than the predetermined amount as the third condition. It is also possible to make a determination only with the above conditions. In that case, S204, S205, and S207 may be omitted. That is, when the account is the same as a proven account in a past transfer transaction, a warning display can be eliminated.

It is also possible to make a determination by adding only the second condition to the first condition. In that case, the above S207 may be omitted. That is, if it is an account with a track record in past transfer transactions, and the current transfer amount is a predetermined amount or more compared to the average value of past transfer amounts, it is determined that a warning display is required. In that case, even if it is an account that has a track record in the past, if the amount suddenly increases, a warning will be issued, so for example, it will try to exploit a large amount after repeatedly making a small transfer of credit Even in the case of such a technique, a warning can be displayed.
In addition, as described in the present embodiment, when the determination is made under all the first, second, and third conditions, in addition to the case where the determination is made based on the first and second conditions described above, the past transfer is performed. Even if the amount suddenly increases from the amount, the warning display can be made unnecessary if the amount is small.

  Note that when the host computer 1 sends information indicating whether warning display is necessary or not to the ATM 2, the default operation of the ATM may be determined. For example, in the case of a configuration that displays (or does not perform) warning display as the default operation of ATM2, information is sent from the host only when warning display is not necessary (or necessary), and there is no information on whether or not warning display is required. If the default operation is performed, the same control can be realized.

System configuration External view of ATM Transaction information database ATM processing flow Warning display necessity determination process flow Display screen

Explanation of symbols

1 Host computer 2 ATM
DESCRIPTION OF SYMBOLS 3 Warning necessity determination part 4 Control part 5 Communication part 6 Memory | storage part 7 Customer operation part 8 Card reader part 9 Passbook bookkeeping part 10 Banknote depositing / withdrawing part 11 Coin depositing / withdrawing part 30 Transaction information database

Claims (7)

In the cash transfer system that inputs the bank account information from the input part of the automatic transaction device and deposits into the bank account,
It has a transfer information DB that accumulates past transfer transaction information for each transfer requester,
A cash transfer system that displays a warning under the first condition that the transfer destination account of this transfer transaction is an account that has not been transferred in the past.   2. The cash transfer system according to claim 1, wherein, in addition to the first condition, a warning is displayed according to a second condition that the amount is equal to or more than a predetermined magnification of a past transfer amount for the transfer destination account.   3. The cash transfer system according to claim 2, wherein in addition to the first and second conditions, a warning is displayed according to a third condition that the current transfer amount is a predetermined amount or more.   The host has a transfer information DB, and when the host receives a transfer request message from the automatic transaction apparatus, the host searches the transfer information DB based on the transfer destination account of the transfer request, and answers the first condition. The cash transfer system according to claim 1, wherein the information on warning display is notified to the automatic transaction apparatus.   In addition to the first condition, the host notifies the automatic transaction apparatus of information requiring a warning display according to a second condition that the amount is equal to or more than a predetermined magnification of the past transfer amount for the transfer destination account. The cash transfer system according to claim 4.   In addition to the first and second conditions, the host notifies the automatic transaction apparatus of information requiring a warning display according to a third condition that the current transfer amount is a predetermined amount or more. Item 6. A cash transfer system according to Item 5.   The cash transfer system according to claim 1, wherein the warning display is a transfer fraud warning.

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