JP2006209163A - Control of cash automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a technology for suppressing a user from performing any act to repeatedly try transaction accompanied with a false bill by using different media for transaction. <P>SOLUTION: When first illegal transaction accompanied with a false bill is tired by using a first medium for transaction, and second illegal transaction accompanied with the false bill is tried by using a second medium for transaction different from the first medium for transaction, an automatic teller machine determines whether or not the first transaction and the second transaction have been tried by the identical user based on first user information used for the determination of the identity of the use acquired by the first illegal transaction and second user information used for the determination of the identify of the user acquired by the second illegal transaction. When it is determined that the first transaction and the second transaction have been tried by the identical user, the second medium for transaction is collected. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a technique for an automatic teller machine.

  The automatic teller machine is installed in a bank or the like and operated by a user. The user deposits / withdraws cash using a transaction medium such as a cash card. At the time of depositing, the automatic teller machine determines the authenticity of the inserted bill. Thereby, payment of a fake ticket is prevented.

  Patent Document 1 discloses a technique for preventing an automatic cash transaction apparatus from returning a cash card when a predetermined number or more of counterfeit bills are inserted. Patent Document 2 discloses a technique for suppressing unauthorized use of another person's cash card in an automatic teller machine. Specifically, the user's face image data is registered when the wrong input of the password is repeated. When the user tries to operate the automatic teller machine, it is determined that the registered face image data matches the user's face image data, and an alarm signal is generated. Patent Document 3 discloses a technique for preventing a bill from being returned in a vending machine when a counterfeit note is inserted a predetermined number of times or more.

JP 2001-143120 A JP 2001-31469 A JP-A-9-293156

  However, in the conventional automatic teller machine, there is a problem that the user can repeatedly try to deposit a fake ticket using different transaction media. This is because the conventional cash automatic transaction apparatus recognizes that the user is different when the transaction medium is different.

  This invention is made in order to solve the above-mentioned subject in a prior art, and it aims at suppressing the act in which a user repeatedly tries the transaction with a fake ticket using different transaction media.

In order to solve at least a part of the problems described above, the device of the present invention is an automatic teller machine,
A media handling department that handles trading media;
A banknote handling unit for handling banknotes, the banknote handling unit comprising a true / false judgment unit for judging the authenticity of a banknote inserted into the banknote handling unit;
A user information acquisition unit that acquires user information used to determine user identity;
A control unit for controlling the operation of the automatic teller machine;
With
The controller is
The first transaction using the first transaction medium, and after the first transaction in which the bill inserted by the authenticity determination unit is determined to be a fake ticket, The second transaction using a second transaction medium different from the transaction medium is the second transaction in which the bill inserted by the authenticity determination unit is determined to be a fake ticket. The first transaction and the second user information acquired in the first transaction and the second user information acquired in the second transaction. The medium handling unit collects the second transaction medium on condition that the transaction is determined to have been attempted by the same user.

  In this apparatus, since the identity of the user is determined based on the user information, the first transaction can be performed even when the first transaction and the second transaction involving a fake ticket are attempted using different transaction media. And whether the second transaction was attempted by the same user. When it is determined that the first transaction and the second transaction are attempted by the same user, the second transaction medium can be collected. As a result, it is possible to suppress an action in which the same user repeatedly attempts a transaction involving a fake ticket using different transaction media.

In the above apparatus,
A detection unit for detecting the presence of the user,
The controller is
In the case where the first transaction and the second transaction are attempted, the user continues to exist when the detection unit attempts the first transaction and the second transaction. It is preferable that the medium handling unit collects the second transaction medium on condition that it is detected.

  If it carries out like this, it can be judged more correctly whether the user who tries 1st transaction and the user who tries 2nd transaction are the same persons.

In the above apparatus,
The controller is
A user determination unit that determines whether the first transaction and the second transaction have been attempted by the same user based on the first user information and the second user information. May be.

  In this way, the automatic teller machine can determine whether the first transaction and the second transaction have been attempted by the same user.

Moreover, in the above apparatus,
A communication unit for communicating with the control device connected to the automatic teller machine,
The controller is
Sending the first user information and the second user information to the control device via the communication unit,
When the control device determines that the first transaction and the second transaction are attempted by the same user based on the first user information and the second user information, the communication A predetermined signal is received from the control device via the unit,
The controller is
According to the predetermined signal, the medium handling unit may collect the second transaction medium.

  In this way, since the control device determines whether the first transaction and the second transaction have been attempted by the same user, the automatic teller machine does not need to make a determination.

  It is preferable that the user information includes information regarding the physical characteristics of the user. The information relating to the physical characteristics of the user may include information relating to the facial characteristics of the user.

  In this way, it is possible to accurately determine whether the first transaction and the second transaction have been attempted by the same user.

In the above apparatus,
The control unit may cause the bill handling unit to collect the counterfeit bills inserted in the second transaction when the medium handling unit collects the second transaction medium.

  If it carries out like this, it can suppress that a false ticket is used repeatedly.

The system of the present invention is an automatic cash transaction system,
Multiple automatic teller machines,
A host computer connected to the plurality of automatic teller machines;
With
Each automatic teller machine is
A media handling department that handles trading media;
A banknote handling unit for handling banknotes, the banknote handling unit comprising a true / false judgment unit for judging the authenticity of a banknote inserted into the banknote handling unit;
A user information acquisition unit that acquires user information used to determine user identity;
A first communication unit for communicating with the host computer;
A first control unit for controlling the operation of the automatic teller machine, and when the corresponding authenticity determination unit determines that the banknote is a fake note, the first communication unit is used. Transmitting the user information to the host computer, the first control unit;
With
The host computer
A second communication unit that communicates with each of the automatic teller machines;
A second control unit for controlling the operation of the host computer, wherein the second control unit receives the user information from each of the automatic teller machines via the second communication unit; ,
With
The second controller is
In the first automatic teller machine, the first transaction using the first transaction medium, wherein the first bill that is inserted by the corresponding authenticity determination unit is determined to be a fake ticket. The first user information obtained in the first transaction received from the first automated teller machine and the second transaction after the first transaction is attempted, In the automatic teller machine, the bill that is a second transaction using a second transaction medium different from the first transaction medium and that is inserted by the corresponding authenticity determination unit is a fake ticket. Based on the second user information acquired in the second transaction received from the second automated teller machine when the second transaction determined to be And the second transaction are tested by the same user. Comprises a user determining section for determining whether is,
The second controller is
When it is determined by the user determination unit that the first transaction and the second transaction are attempted by the same user, the second cash automatic transaction device is connected to the second automatic transaction device via the second communication unit. Send a predetermined signal,
The first control unit of the second automatic teller machine is
According to the predetermined signal received from the host computer via the first communication unit, the medium handling unit causes the second transaction medium to be collected.

  In addition, the 1st automatic teller machine and the 2nd automatic teller machine may be the same, and may differ.

  In this system, since the identity of the user is determined based on the user information, the first and second automated teller machines use different transaction media for the first transaction and the second transaction involving fake tickets. If the first transaction and the second transaction are attempted, it can be determined whether or not the first transaction and the second transaction have been attempted by the same user. When it is determined that the first transaction and the second transaction are attempted by the same user, the second transaction medium can be collected. As a result, it is possible to suppress an action in which the same user repeatedly attempts a transaction involving a fake ticket using different transaction media.

In the above system,
The first control unit of each automatic teller machine is
When the corresponding authenticity determination unit determines that the bill is a fake note, the account information read from the transaction medium by the medium handling unit together with the user information is sent to the first communication unit. To the host computer via
The second controller is
When the user determination unit determines that the first transaction and the second transaction are attempted by the same user, the first information specified by the account information corresponding to the first user information It is preferable to set a transaction medium as a collection target.

  If it carries out like this, when the 1st transaction medium is used with any cash automatic transaction device, the 1st transaction medium can be collected.

  The present invention can be realized in various forms. For example, an automatic cash transaction apparatus, an automatic cash transaction system including an automatic cash transaction apparatus, an automatic cash transaction apparatus, and a control apparatus and method for an automatic cash transaction system, these The present invention can be realized in the form of a computer program for realizing the function of the method or apparatus, a recording medium storing the computer program, a data signal including the computer program and embodied in a carrier wave, and the like.

Next, embodiments of the present invention will be described in the following order based on examples.
A. Automatic cash transaction system configuration:
A-1. overall structure:
A-2. ATM structure:
A-3. Host computer configuration:
B. Deposit processing:
B-1. ATM processing:
B-2. Host computer processing:
C. Examples of fraudulent transactions:

A. Automatic cash transaction system configuration:
A-1. overall structure:
FIG. 1 is an explanatory diagram showing a schematic configuration of an automatic cash transaction system 1000. The system 1000 includes three automatic teller machines (hereinafter simply referred to as “ATM”) 100a, 100b, and 100c, and a host computer 200. The three ATMs and the host computer are connected via a network NW. In practice, more ATMs are connected to the host computer, and each ATM is installed in a bank or the like. In this system 1000, when a user repeatedly attempts to deposit a fake ticket using an arbitrary cash card or passbook at an arbitrary ATM, the cash card or passbook inserted into the ATM can be collected.

A-2. ATM structure:
FIG. 2 is an explanatory view schematically showing the appearance of the first ATM 100a. FIG. 3 is an explanatory diagram showing the internal configuration of the first ATM 100a. The same applies to the other ATMs 100b and 100c.

  As illustrated, the first ATM 100a includes a display unit 112, an operation unit 114, a passbook handling unit 120, a card handling unit 130, a banknote handling unit 140, a user detection unit 150, and a face data generation unit 160. And a control unit 170 and a communication unit 190.

  The display unit 112 is an interface for displaying guidance when the user operates the ATM. The operation unit 114 is an interface for receiving input from the user when the user operates the ATM. In this embodiment, a touch panel that functions as the display unit 112 and the operation unit 114 is used. Note that the display unit and the operation unit may each be configured with a display and an operation panel provided with buttons and the like.

  The bankbook handling unit 120 is a mechanism for handling a bankbook. The bankbook handling unit 120 reads account data recorded in a tape-like magnetic memory added to the bankbook. The account data includes a financial institution number, a subject, an account number, and the like. In addition, the bankbook handling unit 120 performs reading of marks written in the bankbook, printing processing, and the like. The bankbook handling unit 120 includes a collection box (not shown), and can collect the bankbook when the user attempts to deposit a fake ticket.

  The card handling unit 130 is a mechanism for handling a cash card (hereinafter simply referred to as “card”). The card handling unit 130 reads account data recorded on a tape-like magnetic memory or IC chip attached to the card. This account data also includes a financial institution number, a subject, an account number, and the like. The card handling unit 130 includes a collection box (not shown), and can collect the card when the user attempts to deposit a fake ticket.

  The banknote handling unit 140 is a mechanism for handling banknotes, and receives banknotes from a user or passes banknotes to a user via a banknote deposit / withdrawal port. The banknote handling unit 140 includes a banknote discrimination unit 142.

  The bill validator 142 determines the type (denomination) of the inserted bill. Moreover, the banknote discrimination part 142 judges whether the inserted banknote contains the fake ticket. Specifically, first, feature data indicating the feature of the inserted bill is generated. The feature data is generated using, for example, image data obtained by scanning a banknote, magnetic characteristics, optical characteristics with respect to ultraviolet rays, dimensions, banknote surface unevenness data, and the like. Next, the generated feature data is compared with the genuine note feature data indicating the features of the genuine note prepared in advance. When the feature data of the inserted bill matches the genuine note feature data, it is determined that the inserted bill is a genuine note. On the other hand, when the feature data of the inserted bill does not match the genuine note feature data, it is determined that the inserted bill is a fake bill. However, even when the feature data of the inserted banknote does not match the genuine note feature data, when a part of the feature data of the inserted banknote is missing (for example, when the banknote is bent) , It is not determined to be a fake ticket. That is, in this embodiment, when the possibility of a counterfeit note is high, it is determined that the inserted bill is a counterfeit note. The authenticity of the inserted banknote may be determined by comparing the characteristic data of the inserted banknote and the counterfeit ticket characteristic data indicating the characteristics of the counterfeit bill used in the past. . The banknote handling unit 140 includes a collection box (not shown), and when it is determined that the inserted banknote includes a counterfeit note, only the counterfeit note can be selectively recovered.

  The user detection unit 150 (FIG. 2) includes a sensor that detects the presence of a user near the ATM. By this sensor, the approaching and leaving of the user are detected. As the sensor, for example, an infrared sensor can be used.

  The face data generation unit 160 includes a photographing unit 162 (FIG. 2), an image processing unit 164, and a face data storage unit 166. The photographing unit 162 photographs a user's face using ATM and generates image data including the user's face. The photographing unit 162 photographs the user's face when a card or a passbook is inserted into the ATM by the user. The image processing unit 164 performs image processing for extracting the facial features of the user on the image data given from the photographing unit 162, and data indicating the facial features (hereinafter referred to as “face data”). Is generated. The face data includes, for example, the interval between the right eye and the left eye, the positional relationship between the eyes, the nose, and the mouth. The generated face data is stored in the face data storage unit 166.

  The communication unit 190 transmits or receives information related to transactions to the host computer 200 via the network NW.

  The control unit 170 is a microcomputer including a CPU and a memory, and controls the operation of each part of the ATM. The control unit 170 includes a determination unit 172. The determination unit 172 uses the face data generated by the face data generation unit 160 to determine whether or not the users who repeatedly attempt illegal transactions (that is, payment of fake tickets) are the same person. Specifically, the determination unit 172 compares the first face data acquired at the time of the first fraudulent transaction with the second face data acquired at the time of the second fraudulent transaction. When the degree of coincidence of face data is high, it is determined that the user who attempted the first illegal transaction and the user who attempted the second illegal transaction are the same person.

  The control unit 170 transmits the account data read by the passbook handling unit 120 and the card handling unit 130 to the host computer 200 via the communication unit 190. In addition, the control unit 170 controls each part of the ATM using information received from the host computer 200 via the communication unit 190. In particular, in this embodiment, when the bill discriminating unit 142 determines that a counterfeit note exists, the control unit 170 transmits an unauthorized transaction notification indicating that a counterfeit note exists to the host computer 200. At this time, the control unit 170 transmits account data and face data to the host computer 200. Then, the control unit 170 causes the passbook handling unit 120 and the card handling unit 130 to collect the passbook and cards according to the collection instruction given from the host computer.

A-3. Host computer configuration:
FIG. 4 is an explanatory diagram showing the internal configuration of the host computer 200. The host computer 200 includes a communication unit 210, an information storage unit 220, and a control unit 230.

  The communication part 210 transmits the information regarding a transaction to each ATM100a-100c via the network NW, or receives from each ATM100a-100c.

  The information storage unit 220 includes an account management information storage unit 222 that stores account management information, and an unauthorized transaction information storage unit 224 that stores unauthorized transaction information. The account management information includes a financial institution number, a subject, an account number, a personal identification number, an account name (ie, a user name), a transaction history, a deposit balance, and the like. The fraudulent transaction information includes account data specified by the card or passbook used when fraudulent transaction (payment of fake bills) is attempted, face data indicating the characteristics of the face of the user who attempted the fraudulent transaction, , Is included. In the present embodiment, the fraudulent transaction information further includes collection data (to be described later) relating to collection of cards and passbooks corresponding to the account data. Account data, face data, and collection data are stored in association with each other.

  The control unit 230 is a microcomputer that includes a CPU and a memory, and controls the operation of each unit of the host computer. The control unit 230 includes a determination unit 232. The determination unit 232 compares the face data stored in the fraudulent transaction information storage unit 224 with the face data received from an arbitrary ATM, and a user who attempts fraudulent transactions in the ATM has attempted fraudulent transactions in the past. It is determined whether or not there is a case, that is, whether or not the user operating the ATM repeatedly inserts a fake ticket.

  When it is determined that there is a fake ticket, the control unit 230 receives account data and face data from each ATM via the communication unit 210 and stores them in the fraudulent transaction information storage unit 224. In particular, in the present embodiment, when the determination unit 232 determines that a user who attempts illegal transactions in a specific ATM has attempted a malicious transaction in the past, the control unit 230 stores the card or passbook in the specific ATM. Send a collection instruction.

B. Deposit processing:
B-1. ATM processing:
FIG. 5 and FIG. 6 are flowcharts showing a processing procedure at the time of depositing in each of the ATMs 100a to 100c. This process is executed when the user selects a transaction requiring deposit of banknotes such as “deposit”, “transfer”, and “exchange”. In this embodiment, a case where a transaction is performed using a card will be described, but the same applies to a case where a transaction is performed using a passbook.

  In step S102 (FIG. 5), the user detection unit 150 detects that the user has approached ATM.

  In step S104, the card is inserted into the ATM by the user. At this time, the card handling unit 130 reads account data from the inserted card. Then, the control unit 170 transmits the account data to the host computer. In step S104, the face data generation unit 160 captures the user's face, generates face data, and stores the face data.

  In step S <b> 106, the control unit 170 determines whether a collection instruction has been received from the host computer 200. Specifically, based on the account data received from the ATM, the host computer determines whether the card handled by the ATM is a “card to be collected” that should not be collected yet. to decide. Whether or not the card handled by the ATM is a collection target card is determined based on the fraudulent transaction information stored in the fraudulent transaction information storage unit 224, as will be described later. When the card handled by the ATM is a collection target card, the control unit 170 receives a collection instruction from the host computer.

  When the collection instruction is received in step S106, the process proceeds to step S152 (FIG. 6). In step S152, the card handling unit 130 collects the card. At this time, the control unit 170 transmits a collection completion notification indicating that card collection has been completed to the host computer. In step S154, the display unit 112 displays a collection message indicating that the card has been collected. Thereafter, the process proceeds to step S116 (described later).

  On the other hand, when the collection instruction is not received in step S106, the process proceeds to step S108. In step S108, the banknote handling unit 140 receives banknotes from the user. In step S110, the bill validator 142 determines the authenticity of the bill.

  If it is determined in step S110 that a counterfeit note exists, that is, if it is determined that the inserted bill includes a counterfeit note, the process proceeds to step S122 (FIG. 6). The processing after step S122 will be described later.

  On the other hand, if it is determined in step S110 that no fake ticket exists, the process proceeds to step S112. In step S112, a normal transaction (payment process) is performed. When the deposit process is completed, the control unit 170 transmits a transaction end notification indicating that the normal transaction has ended to the host computer. In step S114, the card handling unit 130 returns the card to the user.

  In step S116, the user detection unit 150 determines whether or not the user has left the ATM. Specifically, when the presence of the user is continuously detected, it is determined that the user has not left the ATM, and when the presence of the user is not continuously detected, it is determined that the user has left the ATM. Is done.

  If it is determined in step S116 that the user has left the ATM, the process proceeds to step S118. In step S118, the control unit 170 resets “CX” indicating the number of fake ticket insertions and sets it to “0”. The number of counterfeit tickets inserted indicates the number of times the user has inserted counterfeit tickets without leaving.

  On the other hand, if it is determined in step S116 that the user has not left the ATM, the process returns to step S104.

  As described above, when it is determined in step S110 that a fake ticket exists, the process proceeds to step S122 (FIG. 6). In step S122, the control unit 170 determines whether or not the counterfeit ticket insertion count “CX” is “0”. If “CX” is “0”, in other words, if the current fraudulent transaction at a specific ATM is the first time, the process proceeds to step S124. On the other hand, if “CX” is not “0”, in other words, if the current illegal transaction at a specific ATM is the second time, the process proceeds to step S142. The processing after step S142 will be described later.

  In step S <b> 124, the control unit 170 sets “1” to the counterfeit ticket insertion count “CX”. Further, the control unit 170 sets the account data of the card acquired in step S104 to “ACNTX” indicating the account data. In this embodiment, account data including a financial institution number, a subject, and an account number is set in “ACNTX”, but instead, only the account number may be set.

  In step S <b> 126, the control unit 170 transmits an illegal transaction notification indicating that a fake ticket exists to the host computer 200. At this time, the control unit 170 transmits the account data and face data acquired in step S104 to the host computer 200.

  In step S128, the control unit 170 determines whether there is a collection instruction from the host computer 200. Specifically, the host computer uses the face data received from the ATM to determine whether or not the card inserted in step S104 should be collected, in other words, whether or not the user has repeatedly performed illegal transactions. to decide. If the card inserted in step S104 is a card to be collected, the control unit 170 receives a collection instruction from the host computer.

  When the collection instruction is received in step S128, the process proceeds to step S150. In step S150, the banknote handling unit 140 collects banknotes (counterfeits). In step S152, as described above, the card handling unit 130 collects the card, and the control unit 170 transmits a collection completion notification to the host computer. In step S154, the display unit 112 displays a collection message.

  On the other hand, when the collection instruction is not received in step S128, the process proceeds to step S130. In step S130, the banknote handling unit 140 returns the banknote (fake ticket) to the user. In step S132, the card handling unit 130 returns the card to the user.

  As described above, if it is determined in step S122 that “CX = 0” is not satisfied, that is, if the current unauthorized transaction in a specific ATM is the second time, the process proceeds to step S142. In step S142, control unit 170 determines whether the account data read from the card used in the second fraud transaction matches the account data “ACNTX” read from the card used in the first fraud transaction. Judge whether or not.

  If it is determined in step S142 that the account data match, in other words, if it is determined that the previous fraudulent transaction and the current fraudulent transaction have been attempted using the same card, steps S150, 152, Proceed to S154. In steps S150, 152, and S154, as described above, bills (fake bills) and cards are collected, and a collection message is displayed. In addition, a collection completion notification is transmitted to the host computer.

  On the other hand, if it is determined in step S142 that the account data does not match, in other words, if it is determined that the previous fraudulent transaction and the current fraudulent transaction are attempted using different cards, step S144 is performed. Proceed to

  In step S <b> 144, the determination unit 172 determines whether or not the user who attempts the current illegal transaction is the same as the user who attempted the previous illegal transaction. Specifically, the determination unit 172 compares the first face data obtained in the previous fraudulent transaction with the second face data obtained in the current fraud transaction, It is determined whether or not the user specified by the face data is the same person as the user specified by the first face data.

  Note that the process of step S144 is executed when the presence of a user is continuously detected by one ATM and two unauthorized transactions are attempted. For this reason, the user who tries the current illegal transaction and the user who attempted the previous illegal transaction should normally be the same person. However, it may be assumed that the detection result of the user detection unit 150 is incorrect. Therefore, in this embodiment, the determination unit 172 determines the identity of the user using the face data. Thereby, a user's identity can be judged correctly. In addition, when the presence of the user is continuously detected as in the present embodiment, if the identity of the user is determined using the face data, the identity of the user can be determined more accurately. There is an advantage.

  If it is determined in step S144 that they are not the same person, the process proceeds to the above-described step S126, and the above-described processing is executed.

  On the other hand, if it is determined in step S144 that they are the same person, the process proceeds to step S146. In step S146, the control unit 170 transmits a collection notification indicating that the card is collected to the host computer 200. At this time, the control unit 170 transmits the account data and face data acquired in step S104 to the host computer 200. Then, it progresses to step S150,152, S154, and as mentioned above, a banknote (fake note) and a card | curd are collect | recovered and a collection | recovery message is displayed. In addition, a collection completion notification is transmitted to the host computer.

B-2. Host computer processing:
FIG. 7 is a flowchart showing a processing procedure when depositing in the host computer 200.

  In step S202, the control unit 230 receives account data from a specific ATM. Note that the processing in step S202 corresponds to the processing in step S104 in FIG.

  In step S204, the determination unit 232 refers to the fraudulent transaction information, and whether or not the card handled by the specific ATM should be collected is set as a “card to be collected” that has not yet been collected. Judging.

  If it is determined in step S204 that the card handled by the specific ATM is a card to be collected, the process proceeds to step S206. In step S206, the control unit 230 transmits a collection instruction to a specific ATM. Note that the processing in step S206 corresponds to the processing in step S106 in FIG. Thereafter, the process proceeds to step S230 (described later).

  On the other hand, if it is determined in step S204 that the card handled by the specific ATM is not a card to be collected, the process proceeds to step S212.

  In step S212, control unit 230 determines whether or not a transaction end notification has been received from a specific ATM. Note that the processing in step S212 corresponds to the processing in step S112. When the transaction end notification is received, the processing in FIG. 7 is completed.

  In step S213, the control unit 230 determines whether a collection notification is received from a specific ATM. Note that the processing in step S213 corresponds to the processing in step S146 in FIG. If the collection notification is not received, the process proceeds to step S214. On the other hand, if a collection notification is received, the process proceeds to step S230 (described later).

  In step S214, the control unit 230 determines whether or not an unauthorized transaction notification is received from a specific ATM. Note that the processing in step S214 corresponds to the processing in step S126 in FIG. If no illegal transaction notification is received, the process returns to step S212. On the other hand, if an illegal transaction notification is received, the process proceeds to step S218.

  In step S218, the determination unit 232 determines whether or not the user who attempts the unauthorized transaction this time and the user who has attempted the unauthorized transaction in the past are the same person. Specifically, the determination unit 232 compares the face data received together with the unauthorized transaction notification from the specific ATM with one or more other face data already stored in the unauthorized transaction information storage unit 224, It is determined whether the user specified by the received face data is the same person as the user specified by other face data.

  If it is determined in step S218 that they are not the same person, the process proceeds to step S230 (described later). On the other hand, if it is determined in step S218 that they are the same person, the process proceeds to step S220. In step S220, the control unit 230 transmits a collection instruction to a specific ATM. Note that the processing in step S220 corresponds to the processing in step S128 in FIG. Thereafter, the process proceeds to step S230.

  In step S230, the control unit 230 updates the unauthorized transaction information stored in the unauthorized transaction information storage unit 224. For example, the control unit 230 adds account data and face data received from a specific ATM to the fraudulent transaction information. Moreover, the control part 230 changes the collection data regarding a card | curd. In particular, when other cards used in the past by the same person have not yet been collected, the control unit 230 changes the collection data corresponding to the card and sets the card as a collection target card. Specifically, the card used in the current illegal transaction is collected according to the collection instruction in step S220, but the card used in the current illegal transaction and the card used in the past illegal transaction are used. If the card is different, the other card used in the past fraudulent transaction may not be collected yet. For this reason, in step S230, another card that has not yet been collected is set as a card to be collected. Thereby, when an uncollected collection target card is used in any ATM in the future, the collection target card can be collected (see steps S204 and S106).

  The automatic cash transaction system of the present embodiment is a card used in subsequent fraudulent transactions when the same user repeatedly attempts fraudulent transactions using arbitrary cards at arbitrary ATMs by executing the above-described processing. Can be recovered.

C. Examples of fraudulent transactions:
FIG. 8 is an explanatory diagram illustrating an example of fraudulent transactions. In this example, user A tries four times of illegal transactions as follows. In this example, it is assumed that the user A tries a fraudulent transaction for the first time.
(A) First illegal transaction: User A attempts to deposit a fake ticket using the first card C1 in the first ATM 100a.
(B) Second unauthorized transaction: User A attempts to deposit a counterfeit ticket using the second card C2 without leaving the first ATM 100a.
(C) Third unauthorized transaction: User A attempts to deposit a counterfeit ticket using the first card C1 in the second ATM 100b.
(D) Fourth unauthorized transaction: User A attempts to deposit a counterfeit ticket using the third card C3 in the third ATM 100c.

  FIG. 9 is an explanatory diagram showing the contents of the fraudulent transaction information stored in the fraudulent transaction information storage unit 224. FIGS. 9A to 9D show the contents of fraudulent transaction information when the first to fourth fraudulent transactions are completed, respectively.

(A) First fraud transaction:
When the user A approaches the first ATM, the approach of the user A is detected (step S102). When the user A inserts the first card C1 into the first ATM, the account data is read from the first card C1 and transmitted to the host computer, and the face data of the user A is acquired to obtain the first Stored in the ATM (steps S104 and S202). At this time, the first card C1 has not been used for fraudulent transactions in the past and has not been set as a collection target card. For this reason, the first ATM does not receive the collection instruction (steps S204 and S106). When the user A inserts a fake ticket into the first ATM, it is determined that a fake ticket exists (steps S108 and S110).

  Since the first insertion of the fake ticket by the user A in the first ATM is the first time, it is determined that “CX = 0” (step S122). At this time, “CX” is set to “1”, and “ACNTX” is set to the account data of the first card C1 (step S124). Then, the first ATM transmits an illegal transaction notification to the host computer, and transmits account data and face data to the host computer (steps S126 and S214). User A has attempted illegal transactions for the first time, and at this time, the unauthorized transaction information storage unit 224 stores no other facial data that matches the facial data of user A. For this reason, it is determined that the user A is not the same person as the person who attempted the illegal transaction in the past, and the first ATM does not receive the collection instruction from the host computer (steps S218 and S128). And a banknote (fake ticket) and the 1st card | curd C1 are returned to the user A (step S130, S132).

  In the first fraudulent transaction, as shown in FIG. 9A, the host computer stores the account data “ACNT1” corresponding to the card C1 and the face data “IM1” of the user A in the fraudulent transaction information storage unit 224. Are registered (step S230).

(B) Second fraud transaction:
The user A tries to deposit a fake ticket using the second card C2 different from the first card C1 without leaving the first ATM. For this reason, the user's leaving is not detected (step S116). When the user A inserts the second card C2 into the first ATM, the account data is read from the second card C2 and transmitted to the host computer, and the face data of the user A is acquired to obtain the first ATM. (Steps S104 and S202). The second card C2 has not been used for fraudulent transactions in the past, and is not set as a collection target card. For this reason, the first ATM does not receive a collection instruction (steps S204 and S106). When the user A inserts a fake ticket into the first ATM, it is determined that a fake ticket exists (steps S108 and S110).

  In the first ATM, the user A inserts a fake ticket for the second time, and “CX” is set to “1” as described above. For this reason, it is determined that “CX = 0” is not satisfied (step S122). The second card C2 used in the second unauthorized transaction is different from the first card C1 used in the first unauthorized transaction. Therefore, “ACNTX” (the account data of the first card C1 used in the first fraudulent transaction is set) is the account data of the second card C2 used in the second fraudulent transaction. It is determined that they do not match (step S142). However, the user A who tries the second illegal transaction and the user A who tries the first illegal transaction are the same person. Therefore, the first ATM tries the second fraud transaction by comparing the face data of the user A obtained by the second fraud transaction with the face data obtained by the first fraud transaction. It is determined that the user A is the same person as the user who attempted the first illegal transaction (step S144). The first ATM transmits a collection notification to the host computer, and transmits account data and face data read from the second card to the host computer (step S146). Then, the first ATM collects the bill (fake note) and the second card C2, and displays a collection message (steps S150, S152, S154). Further, the first ATM transmits a collection completion notification of the second card C2 to the host computer (step S152).

  In the second fraudulent transaction, as shown in FIG. 9B, the host computer stores the account data “ACNT2” corresponding to the second card C2 and the face data “user A” in the fraudulent transaction information storage unit 224. IM2 "is registered, and the second card C2 is set to have been collected (step S230). Further, the host computer compares the face data “IM2” with other face data already registered, and the user A corresponding to the face data “IM2” is the same person as the user corresponding to the face data “IM1”. It is judged that. Then, as shown in FIG. 9B, the host computer sets the first card C1 as a collection target card to be collected (step S230).

  As described above, when user A attempts illegal transactions using different cards C1 and C2 twice in the first ATM, the second card C2 used in the second illegal transaction is collected. Since the first fraudulent transaction and the second fraudulent transaction are attempted in the same first ATM, the identity of the user is determined by the first ATM. That is, the first ATM can collect the second card C2 used in the subsequent illegal transaction without a collection instruction from the host computer.

(C) Third unauthorized transaction:
Next, the user A leaves the first ATM and tries to deposit a counterfeit ticket using the first card C1 in the second ATM. When the user A approaches the second ATM, the approach of the user is detected (step S102). When the user A inserts the first card C1 into the second ATM, the account data is read from the first card C1 and transmitted to the host computer, and the face data of the user A is acquired and the second data is acquired. Stored in the ATM (steps S104 and S202). At this time, since the first card C1 is set as a card to be collected, the second ATM receives a collection instruction (steps S204, S206, S106). Then, the first card C1 is collected by the second ATM, and a collection message is displayed (steps S152 and S154). Further, the second ATM transmits a collection completion notice of the first card C1 to the host computer (step S152).

  In the third fraudulent transaction, the host computer sets the first card C1 to “collected” as shown in FIG. 9C (step S230).

  As described above, if the collection target card is set in advance, the first card used in the first fraudulent transaction can be collected without executing the determination of the identity of the user using the face data. Can do.

(D) Fourth unauthorized transaction:
Finally, the user A leaves the second ATM and tries to deposit a counterfeit ticket using the third card C3 in the third ATM. When the user A approaches the third ATM, the approach of the user is detected (step S102). When the user A inserts the third card C3 into the third ATM, the account data is read from the card C3 and transmitted to the host computer, and the face data of the user A is acquired and stored in the third ATM. (Steps S104 and S202). The third card C3 has not been used for fraudulent transactions in the past, and is not set as a collection target card. For this reason, the third ATM does not receive the collection instruction (steps S204 and S106). When user A inserts a counterfeit ticket into the third ATM, it is determined that a counterfeit ticket exists (steps S108 and S110).

  Since it is the first time that the user A inserts a fake ticket in the third ATM, it is determined that “CX = 0” (step S122). At this time, “1” is set in “CX” and the account data of the third card C3 is set in “ACNTX” (step S124). Then, the third ATM transmits a fraudulent transaction notification to the host computer, and transmits account data and face data to the host computer (steps S126, S214, and S216). In the fraudulent transaction information storage unit 224, other face data that matches the face data of the user A is already stored. For this reason, the host computer compares the received face data of user A with other face data stored in the fraudulent transaction information storage unit 224, and the user A who has attempted this fraudulent transaction It is determined that the user is the same person as the user who attempted the operation (step S218). The third ATM receives a collection instruction from the host computer (steps S220 and S128). Then, the third ATM collects the bill (fake note) and the card C2, and displays a collection message (steps S150, S152, S154). In addition, the third ATM transmits a collection completion notice of the third card C3 to the host computer (step S152).

  In the fourth fraudulent transaction, as shown in FIG. 9D, the host computer stores the account data “ACNT3” corresponding to the third card C3 and the face data “user A” in the fraudulent transaction information storage unit 224. IM3 "is registered, and the third card C3 is set to have been collected (step S230).

  As described above, after user A attempts a first fraud transaction using the first card C1 in the first ATM, the user A uses the third card in the third ATM for the fourth fraud. When the transaction is attempted, the third card C3 used in the fourth unauthorized transaction is collected. Since the first fraud transaction and the fourth fraud transaction are attempted in different ATMs, the identity of the user is determined by the host computer. That is, if the host computer determines the identity of the user, the third card C3 used in the subsequent fraudulent transaction is collected even when the user A repeatedly attempts fraudulent transactions using different cards in different ATMs. be able to.

  As described above, in the present embodiment, when the same user repeatedly attempts illegal transactions using arbitrary cards in arbitrary ATMs, the cards used in subsequent illegal transactions can be collected. In particular, when the same user repeatedly attempts illegal transactions using different cards in one ATM, the ATM uses the face data to determine the identity of the user, and is used in subsequent illegal transactions. The collected cards are collected. In addition, when the same user attempts an illegal transaction using different cards in different ATMs, the host computer uses the face data to determine the identity of the user, so that the card used in the subsequent illegal transaction Is recovered. As a result, it is possible to efficiently suppress an act in which the same user repeatedly attempts illegal transactions using different cards.

  In addition, this invention is not restricted to said Example and embodiment, In the range which does not deviate from the summary, it can be implemented in a various aspect, For example, the following deformation | transformation is also possible.

(1) In the above embodiment, the ATM acquires information (face data) related to the user's facial features, but instead, information related to the user's fingerprint characteristics may be acquired. . Thus, if the information regarding the physical characteristic peculiar to a user is acquired, there exists an advantage that a user's identity can be judged correctly.

  Moreover, ATM may acquire the name of the account (user name) corresponding to a card | curd instead of the information regarding a physical characteristic intrinsic | native to a user. For example, in step S104 (FIG. 5), the ATM obtains the name of the account corresponding to the first card and the name of the account corresponding to the second card from the host computer, and step S144 (FIG. 6). In the case where the names of two accounts corresponding to two cards match, the users using the two cards may be determined to be the same person. As described above, if the account name is acquired, there is an advantage that the identity of the user can be easily determined as compared with the case where the face data is acquired.

  In general, user information that can be used to determine the identity of a user may be acquired.

(2) In the above embodiment, when illegal transactions are repeatedly attempted using different cards in one ATM, the one ATM determines the identity of the user, but instead, The host computer may determine the identity of the user. In this way, the ATM does not need to determine the identity of the user.

(3) In the above embodiment, the host computer uses the face data to search for an uncollected card to be collected, and sets the card as a card to be collected. The host computer may be requested to set a specific card as a collection target card. For example, when the first ATM collects the second card C2 used when the second illegal transaction is attempted in the example of the illegal transaction described above (FIG. 8), the first ATM What is necessary is just to request | require that the 1st card | curd C1 used when the 1st fraudulent transaction was tried is set to a collection | recovery object card | curd with respect to a host computer. In this way, the host computer does not need to search for the uncollected first card C1 to be collected using the face data.

(4) In the above embodiment, when the card is collected, the counterfeit ticket is also collected. However, instead of this, only the card may be collected. However, if a counterfeit note is collected, there is an advantage that the counterfeit note can be prevented from being repeatedly used.

(5) In the above embodiment, the card is collected when the illegal transaction is repeatedly performed, but the use of the account corresponding to the card may be prohibited together with this.

It is explanatory drawing which shows schematic structure of the automatic teller machine system. It is a figure which shows typically the external appearance of 1st ATM100a. It is explanatory drawing which shows the internal structure of 1st ATM100a. 2 is an explanatory diagram showing an internal configuration of a host computer 200. FIG. It is a flowchart which shows the process sequence at the time of money_receiving | payment in each ATM100a-100c. It is a flowchart which shows the process sequence at the time of money_receiving | payment in each ATM100a-100c. It is a flowchart which shows the process sequence at the time of money_receiving | payment in the host computer 200. FIG. It is explanatory drawing which shows the example of a fraudulent transaction. It is explanatory drawing which shows the content of the fraudulent transaction information stored in the fraudulent transaction information storage part 224. FIG.

Explanation of symbols

1000 ... Automatic cash transaction system 100a, 100b, 100c ... ATM
DESCRIPTION OF SYMBOLS 112 ... Display part 114 ... Operation part 120 ... Passbook handling part 130 ... Card handling part 140 ... Banknote handling part 142 ... Banknote discrimination part 150 ... User detection part 160 ... Face data generation part 162 ... Shooting part 164 ... Image processing part 166 ... Face data storage unit 170 ... control unit 172 ... determination unit 190 ... communication unit 200 ... host computer 210 ... communication unit 220 ... information storage unit 222 ... account management information storage unit 224 ... fraudulent transaction information storage unit 230 ... control unit 232 ... determination Department NW ... Network

Claims (11)

An automatic teller machine,
A media handling department that handles trading media;
A banknote handling unit for handling banknotes, the banknote handling unit comprising a true / false judgment unit for judging the authenticity of a banknote inserted into the banknote handling unit;
A user information acquisition unit that acquires user information used to determine user identity;
A control unit for controlling the operation of the automatic teller machine;
With
The controller is
The first transaction using the first transaction medium, the first transaction after the first transaction in which the banknote inserted by the authenticity determination unit is determined to be a fake ticket is attempted. The second transaction using a second transaction medium different from the transaction medium is the second transaction in which the bill inserted by the authenticity determination unit is determined to be a fake ticket. The first transaction and the second user information acquired in the first transaction and the second user information acquired in the second transaction. An automatic cash transaction apparatus characterized by causing the medium handling unit to collect the second transaction medium on condition that the transaction is determined to have been attempted by the same user. The automatic teller machine according to claim 1, further comprising:
A detection unit for detecting the presence of the user,
The controller is
In the case where the first transaction and the second transaction are attempted, the user continues to exist when the detection unit attempts the first transaction and the second transaction. An automatic cash transaction apparatus that causes the medium handling unit to collect the second transaction medium on condition that it is detected. The automatic teller machine according to claim 1 or 2,
The controller is
Cash provided with a user determination unit that determines whether the first transaction and the second transaction are attempted by the same user based on the first user information and the second user information. Automatic transaction device. The automatic teller machine according to any one of claims 1 to 3, further comprising:
A communication unit for communicating with the control device connected to the automatic teller machine,
The controller is
Sending the first user information and the second user information to the control device via the communication unit,
When the control device determines that the first transaction and the second transaction are attempted by the same user based on the first user information and the second user information, the communication A predetermined signal is received from the control device via the unit,
The controller is
An automatic cash transaction apparatus that causes the medium handling unit to collect the second transaction medium in accordance with the predetermined signal. An automatic teller machine according to any one of claims 1 to 4,
The said user information is an automatic cash transaction apparatus containing the information regarding a user's physical characteristic. An automatic teller machine according to claim 5,
The information relating to the physical characteristics of the user is an automatic cash transaction apparatus including information relating to the characteristics of the user's face. The automatic teller machine according to any one of claims 1 to 6,
The said control part is an automatic cash transaction apparatus which makes the said banknote handling part collect | recover the counterfeit inserted | thrown-in in the said 2nd transaction when making the said medium handling part collect | recover the said 2nd transaction medium. An automatic cash transaction system,
Multiple automatic teller machines,
A host computer connected to the plurality of automatic teller machines;
With
Each automatic teller machine is
A media handling department that handles trading media;
A banknote handling unit for handling banknotes, the banknote handling unit comprising a true / false judgment unit for judging the authenticity of a banknote inserted into the banknote handling unit;
A user information acquisition unit that acquires user information used to determine user identity;
A first communication unit for communicating with the host computer;
A first control unit for controlling the operation of the automatic teller machine, and when the corresponding authenticity determination unit determines that the banknote is a fake note, the first communication unit is used. Transmitting the user information to the host computer, the first control unit;
With
The host computer
A second communication unit that communicates with each of the automatic teller machines;
A second control unit for controlling the operation of the host computer, wherein the second control unit receives the user information from each of the automatic teller machines via the second communication unit; ,
With
The second controller is
In the first automatic teller machine, the first transaction using the first transaction medium, wherein the first bill that is inserted by the corresponding authenticity determination unit is determined to be a fake ticket. The first user information obtained in the first transaction received from the first automated teller machine and the second transaction after the first transaction is attempted, In the automatic teller machine, the bill that is a second transaction using a second transaction medium different from the first transaction medium and that is inserted by the corresponding authenticity determination unit is a fake ticket. Based on the second user information acquired in the second transaction received from the second automated teller machine when the second transaction determined to be And the second transaction are tested by the same user. Comprises a user determining section for determining whether is,
The second controller is
When it is determined by the user determination unit that the first transaction and the second transaction have been attempted by the same user, the second cash automatic transaction device is passed through the second communication unit. Send a predetermined signal,
The first control unit of the second automatic teller machine is
An automatic cash transaction system, wherein the medium handling unit collects the second transaction medium according to the predetermined signal received from the host computer via the first communication unit. An automatic cash transaction system according to claim 8,
The first control unit of each automatic teller machine is
When the corresponding authenticity determination unit determines that the bill is a fake note, the account information read from the transaction medium by the medium handling unit together with the user information is sent to the first communication unit. To the host computer via
The second controller is
When the user determination unit determines that the first transaction and the second transaction are attempted by the same user, the first information specified by the account information corresponding to the first user information An automated cash transaction system that sets transaction media as collection targets. Same as the banknote handling unit, which includes a medium handling unit that handles transaction media, and a banknote handling unit that handles banknotes, and includes a true / false determination unit that determines the authenticity of a banknote inserted into the banknote handling unit. A user information acquisition unit that acquires user information used for sex determination, and a control method of the automatic teller machine,
The first transaction using the first transaction medium, and after the first transaction in which the bill inserted by the authenticity determination unit is determined to be a fake ticket, The second transaction using a second transaction medium different from the transaction medium is the second transaction in which the bill inserted by the authenticity determination unit is determined to be a fake ticket. The first transaction and the second user information acquired in the first transaction and the second user information acquired in the second transaction. A control method comprising causing the medium handling unit to collect the second transaction medium on condition that the transaction is determined to have been attempted by the same user. A cash automatic transaction system comprising a plurality of automatic teller machines and a host computer connected to the plural automatic teller machines, each automatic teller machine handling a medium for dealing And a banknote handling unit for handling banknotes, the banknote handling unit comprising a true / false judgment unit for judging the authenticity of a banknote inserted into the banknote handling unit, and used for judgment of user identity A user information acquisition unit for acquiring user information, and a control method for the cash automatic transaction system,
(A) In the first automated teller machine, the first transaction using the first transaction medium, and the banknote inserted by the corresponding authenticity determination unit is determined to be a fake ticket. When the first transaction is attempted, the first automated teller machine transmits the first user information acquired in the first transaction to the host computer;
(B) a second transaction using a second transaction medium different from the first transaction medium in the second automated teller machine after the first transaction is attempted; When the second transaction in which the banknote inserted by the corresponding authenticity determination unit is determined to be a counterfeit is attempted, the second cash automatic transaction apparatus sends the second cash transaction to the host computer. Transmitting the first user information acquired in the transaction;
(C) The host computer determines whether the first transaction and the second transaction have been attempted by the same user based on the first user information and the second user information. And a process of
(D) When the host computer determines that the first transaction and the second transaction have been attempted by the same user in the step (c), the second cash automatic transaction apparatus is predetermined. Sending a signal of
(E) the second automatic teller machine causes the medium handling unit to collect the second transaction medium in accordance with the predetermined signal;
A control method comprising:

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