JP2006323619A - Transfer system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a technique capable of giving a transferer time to consider before closing a transfer transaction based on transfer information, while the transferer inputs the transfer information. <P>SOLUTION: An ATM 100 sends the transfer information inputted by the transferer to a host computer 200. If the transfer information matches preset conditions, a support target determining part 260 of the host computer 200 instructs the ATM 100 not to close a transfer transaction but to suspend the transaction. Accordingly, the ATM 100 suspends the deal. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a transfer system that enables a money transfer transaction.

  At present, it is a social problem that victims can be deceived by paying money due to a transfer request for criminal purposes such as so-called “Ole scam (transfer fraud)” and “fictional claim”. . Victims are many elderly and often transfer large amounts of money at once. In order to deal with such a problem, a sticker is attached around a bank transfer device (generally called an automated transaction machine or ATM: Automated Teller Machine) to call attention to ole fraud. A screen for alerting is displayed on the touch panel of the transfer device.

JP 2002-215911 A

  However, the transfer person who is trying to transfer money is often in a state of mental instability, and it is unlikely that he will rethink it after seeing a warning such as a sticker. Moreover, it is speculated that there are many cases where it is difficult to consult with the transfer paper even if the transfer person wants to consult with someone else.

  The present invention has been made to solve the above-described problems, and the transfer person inputs the transfer information into the transfer apparatus, but before the transfer transaction based on the transfer information is established, the time to be considered by the transfer person. It is an object to provide a technology that makes it possible to provide

  In order to solve at least a part of the above problems, a transfer system according to the present invention is a transfer system that enables a money transfer transaction, and is related to a transfer destination information about a transfer destination of money, a transfer person information about a transfer person, A transfer information acquisition unit that acquires transfer information including a transfer amount, a transfer transaction unit that establishes a transfer transaction based on the transfer information, and the transfer information is predetermined based on at least a part of the transfer information. A determination unit that determines whether or not a given condition is met, and the transfer transaction unit, when the transfer information meets the condition, the transfer information is information that can be transferred. The transfer transaction based on the transfer information is not established, and is put on hold.

  According to the present invention, when the transfer information corresponds to a predetermined condition, the transfer transaction is put on hold without establishing, so that it is possible to give the transfer person time to consider before establishing the transfer transaction. Become.

  Furthermore, when the said transfer information corresponds to the said conditions, it is good also as providing the message part which outputs the message which prompts the transfer person to contact the staff of the financial institution which manages the said transfer system.

  According to this, since the transfer person is urged to contact the clerk, the transfer person is more likely to consult the clerk.

  Furthermore, a management unit for managing the current time and installation location information regarding the installation location of the transfer information acquisition unit, the current time is within the operating hours of the sales office of a financial institution that manages the transfer system, And when the installation location information indicates that the installation location is in the sales office, the transfer transaction unit ends the pending transfer transaction without establishing a transaction, and the message unit A message for guiding the transfer person to the window may be output.

  According to this, since the message for guiding the transfer person to the window is output, the possibility that the transfer person consults with the staff at the window increases. The transfer person can also make the transfer at the counter as it is.

  Furthermore, a management unit that manages current location and installation location information relating to the installation location of the transfer information acquisition unit is provided, and the message unit operates a counter of a sales office of a financial institution that manages the transfer system. When it is out of time and the installation location information indicates that the installation location is in the sales office, a message prompting to wait until the attendant comes may be output.

  According to this, since a message prompting the transfer person to wait until a clerk arrives is output, the transfer person is likely to wait and consult the clerk who came.

  Furthermore, a management unit that manages installation location information related to the installation location of the transfer information acquisition unit is provided, and the message unit is provided outside the sales office of a financial institution in which the installation location manages the transfer system. In the case of indicating that there is a message, a message for prompting remote communication with the staff may be output.

  According to this, since a message for prompting remote communication with the clerk is output, there is a high possibility that the transfer person consults the clerk.

  Furthermore, when the said transfer information corresponds to the said conditions, it is good also as providing the reporting part which reports to the staff of the said transfer system.

  According to this, since the staff member is notified, the staff member who has received the report can also contact the transfer person.

  And a transaction establishment / prohibition information input unit for inputting transaction establishment / non-execution information indicating whether or not to establish a transfer transaction based on the transfer information that is determined to hold the condition and is held, If the transaction establishment / impossibility information is established, the holding state transfer transaction is established, and if the transaction establishment possibility information is not established, the holding state transfer transaction is not established. It is good also as what is terminated.

  According to this, the transfer person can establish the transfer transaction that has been put on hold, or can terminate it without establishing it.

  The transfer person information may include age information that is information indicating the age of the transfer person, and the determination unit may perform determination based on the age information.

  Furthermore, a transfer history management unit that manages a transfer history including at least a part of the transfer information may be provided, and the determination unit may make a determination based on the transfer history.

  The present invention can be realized in various forms, for example, in the form of a transfer method or a transfer apparatus, a computer program for realizing the function of the method or the apparatus, a recording medium on which the program is recorded, or the like. .

  FIG. 1 is a functional block diagram of the ATM 100 and the host computer 200 that constitute the transfer system 1000. The ATM 100 corresponds to the transfer device of the present invention. The transfer system 1000 performs a transfer transaction of transfer information corresponding to a predetermined condition as a support target as a means of preventing a transfer due to a transfer request for a criminal purpose such as a so-called “ole fraud” or “imaginary request”. It is a system having a function of temporarily holding without being established. The transfer information is information including the transfer person information about the transfer person and the transfer contents. The transfer person information and the transfer contents will be described later. The transfer system 1000 is managed by one financial institution here, but may be a system managed by a plurality of financial institutions.

  The ATM 100 and the host computer 200 are connected and can communicate with each other. The ATM 100 and the host computer 200 are also connected to a monitoring device 300 installed in a sales office of a financial institution. The monitoring device 300 is a device that is monitored by a staff member of a financial institution and has a function of turning on a predetermined lamp to notify that an abnormality has occurred when an abnormality occurs in the ATM 100.

  The ATM 100 includes an operation unit 110, a passbook mechanism unit 120, a line connection unit 130, a control unit 140, a card mechanism unit 150, a statement slip mechanism unit 160, a bill deposit / withdrawal mechanism unit 165, and a coin deposit / withdrawal mechanism. Unit 170, support processing unit 175, information management unit 180, and transaction success / failure information input unit 185.

  The operation unit 110 is a touch panel that displays operation guidance and announcement information related to the transfer transaction, receives input of transfer information from the transfer person, and acquires the transfer information. The operation unit 110 corresponds to a transfer information acquisition unit and an age acquisition unit of the present invention. The passbook mechanism unit 120 has a function of reading information added to a passbook inserted by a transfer person and printing on the passbook. The line connection unit 130 executes communication with the host computer 200 and the monitoring device 300. The line connection unit 130 corresponds to the reporting unit of the present invention. The card mechanism unit 150 reads information added to the cash card inserted by the transfer person. The statement slip mechanism unit 160 prints the transaction result and discharges it as a statement slip. The banknote deposit / withdrawal mechanism 165 performs banknote deposit / withdrawal, discrimination, conveyance, and storage. The coin deposit / withdrawal mechanism unit 170 performs deposit / withdrawal of coins, discrimination, conveyance, and storage.

  The support processing unit 175 executes a process for supporting the transfer person when the transfer information corresponds to a support target. Details will be described later. The support processing unit 175 corresponds to the message unit of the present invention. The information management unit 180 manages the installation location and current time of the ATM 100. The information management unit 180 corresponds to the management unit of the present invention. The installation location of the ATM 100 is registered when the ATM 100 is manufactured or installed. The transaction success / failure information input unit 185 inputs transaction success / failure information indicating whether or not to establish a transfer transaction once held as a support target. The control unit 140 performs overall control of each unit.

  The host computer 200 includes a line connection unit 210, a file unit 220, a control unit 230, a customer information file control unit 240, a transfer history file control unit 250, a support target determination unit 260, and a transfer processing unit 270. . The line connection unit 210 executes communication with the ATM 100 and the monitoring device 300. The file unit 220 includes a customer information file 221 and a transfer history file 222.

  FIG. 2 is an explanatory diagram showing the customer information file 221. The customer information file 221 is a file for managing customer information of financial institutions. Customer information is recorded for each customer and includes basic customer information and account information. The basic customer information includes a store number, a customer number, a name, an address, and a date of birth. The store number is the number of the store where the customer opened an account. When the customer opens accounts at a plurality of stores, the store number may be included in the account information. The customer number is a customer-specific number assigned to the customer at the financial institution. The address is the address of the customer's whereabouts, and the date of birth is the date of birth of the customer. The account information includes an account number, a deposit balance, and a personal identification number. The account number is an account-specific number assigned when the account is opened. The deposit balance is the deposit balance of the account. The personal identification number is a user-specified number that must be entered when making an account transfer. As shown in FIG. 2, the account information is registered for the number of accounts in the customer's financial institution.

  FIG. 3 is an explanatory diagram showing the transfer history file 222. The transfer history file 222 is a file for managing the transfer history. The transfer history is recorded for each customer, and includes a customer number and transfer details. The details of the transfer include the name of the transfer destination financial institution, the name of the transfer destination branch, the transfer destination account number, the payee name, and the transfer amount. The transfer destination financial institution name and the transfer destination branch name may be a transfer destination financial institution number or a transfer destination branch number specific to the financial institution or branch, respectively. The transfer history file 222 corresponds to the transfer history management unit of the present invention.

  The customer information file control unit 240 in FIG. 1 controls the customer information file 221 and executes file search and update processing. The transfer history file control unit 250 controls the transfer history file 222 and executes file search and update processing. Here, the customer information file control unit 240 and the transfer history file control unit 250 are provided separately, but one control unit may be used as the file control unit. The support target determination unit 260 determines whether or not the transfer information satisfies a condition set in advance as a support target based on the transfer information acquired from the transfer person. The support target determination unit 260 corresponds to the determination unit of the present invention. The transfer processing unit 270 performs a transfer process based on the transfer information. The control unit 230 performs overall control of each unit. The control unit 140 and the control unit 230 correspond to the transfer transaction unit of the present invention.

  FIG. 4 is a flowchart showing a transfer transaction. The left side is a flowchart of the ATM 100, and the right side is a flowchart of the host computer 200. The user uses the operation unit 110 to select whether to perform a cash transfer or an account transfer using a passbook or card. In the case of cash transfer (step S10: YES), the operation unit 110 further acquires the date of birth of the transfer person and the name as the transfer person information in the case of cash transfer (step S20). However, the date of birth of the transfer person is not necessarily required to be input, and may be an arbitrary input item. In the case of account transfer (step S10: NO), the user inserts a cash card or a passbook into the card mechanism unit 150 or the passbook mechanism unit 120. The card mechanism unit 150 or the passbook mechanism unit 120 reads the account number from the card or passbook and transmits it to the host computer 200 (step S30).

  The customer information file control unit 240 of the host computer 200 searches the customer information file 221 with the received account number, and the customer number of the customer basic information, the name, the date of birth, The account number is transmitted to the ATM 100 as transfer person information in the case of account transfer (step S40). Here, the description has been made assuming that the customer information file 221 is searched by the account number, but the customer information file 221 may be searched by the store number and the customer number that can be discriminated from the account number.

  The ATM 100 further acquires the transfer contents from the transfer person by the operation unit 110 (step S50). Next, the ATM 100 communicates with the host computer 200 to obtain and verify a PIN (only in the case of account transfer), to confirm whether the deposit balance exceeds the transfer amount (only in the case of account transfer), banknotes Receipt and identification (only in the case of cash transfer), and whether or not there is a transfer account. When it is determined that there is no problem in these matters, that is, when the transfer information is information that can be transferred (step S60: YES), the transfer information including the transfer person information and the transfer content is used as a support target determination request. The data is transmitted to the host computer 200 (step S70). When the transfer information is information that can be transferred (step S60: NO), the process ends.

  Receiving the transfer information, the host computer 200 executes a support target determination process (step S80). FIG. 5 is a flowchart showing the support target determination process.

  The support target determination unit 260 of the host computer 200 determines whether or not the transfer amount, which is a part of the transfer content, is 1 million yen or more (step S81). If it is 1,000,000 yen or more (step S81: YES), there is a possibility of being a support target, and a determination based on the age of the transfer person is further executed. If the age of the transfer person derived from the date of birth, which is a part of the transfer person information, is 60 years or older (step S82: YES), there is a possibility of being a support target, and further determination based on the transfer history is executed. . Therefore, when the customer number is included in the transfer person information, that is, in the case of account transfer (step S83: YES), the support target determination unit 260 searches the transfer history file 222 with the customer number (step S84). ). If there is no transfer content (excluding the transfer amount) in the searched transfer history file 222 that matches the transfer content (excluding the transfer amount) received from the ATM 100 (step S85: YES), the transfer content is Since the transfer is made for the first time at the indicated transfer destination, it is determined that the transfer is to be supported (step S86). In the case of cash transfer (step S83: NO), it is handled as the first transfer to the transfer destination indicated by the transfer details. Even in the case of cash transfer, it may be handled as if the transfer was not the first time. In this case, for example, the customer information file 221 is searched by the date of birth and the name of the transfer person, and if there is a corresponding customer number, YES is determined in step S83 and the subsequent processing may be performed.

  If the support target determination unit 260 of the host computer 200 determines that the transfer amount, age, and transfer history do not correspond to the support target, the transfer processing unit 270 executes the transfer process. Then, a transfer transaction is established (step S87). That is, based on the transfer information, the deposit balance of the transfer person's account and the transfer destination account is updated. Then, the ATM 100 is instructed to print the statement slip and return the cash card, passbook, and balance. Upon receipt of the instruction, the statement slip mechanism unit 160 of the ATM 100 prints the statement slip, and the card mechanism unit 150 and the passbook mechanism unit 120 return the cash card and the passbook, and the banknote deposit / withdrawal mechanism unit 165 and the coin deposit / withdrawal mechanism unit 170. Will return the balance. On the other hand, in the case of account transfer, the host computer 200 further registers the transfer contents in the transfer history file 222 of the transfer person. Next, as shown in FIG. 4, the host computer 200 transmits a determination result indicating whether or not it is a support target to the ATM 100 (step S90).

  When it is determined that the ATM 100 is a support target (step S100: YES), the transfer transaction is suspended (step S110), and the support process is executed (step S120).

  FIG. 6 is a flowchart showing the support process. First, the ATM 100 transmits a signal notifying the monitoring device 300 of an abnormality (step S121). When the monitoring device 300 receives the signal, the monitoring device 300 turns on the lamp and notifies the staff. If the ATM 100 is installed in a sales office of a financial institution and it is outside the operating hours of the sales office window (hereinafter simply referred to as business hours), the attendant heads for the ATM 100 installation location. If the ATM 100 is installed outside the financial institution's branch, it waits in preparation for an interphone call from the transfer person.

  Then, the support processing unit 175 of the ATM 100 determines the operating status of the ATM 100 based on the installation location of the ATM 100 managed by the information management unit 180 and the current time (step S122), and performs processing according to the operating status.

  That is, if the installation location indicates that the ATM 100 is installed in a financial institution's sales office and the current time is within the predetermined business hours, the window guidance message of FIG. 7 is displayed (step S123), The transfer process is terminated without executing the transfer process without establishing a transaction based on the transfer transaction. At this time, the inserted bankbook, cash card or cash is returned. The user who is guided to the window by the message of FIG. 7 again determines the purpose of the transfer, etc. through the dialog with the window staff, and when performing the transfer, performs the transfer procedure at the window as it is.

  If the installation location indicates that the ATM 100 is installed in a financial institution's sales office, and the current time is outside the predetermined business hours, the attendant wait message in FIG. 8 is displayed (step S124). In this case, as described above, the staff member who is monitoring the monitoring device 300 comes to the place where the ATM 100 is installed, so that the purpose of the transfer can be determined again by the dialogue with the staff member. If it is determined that the transfer transaction is to be established, the attendant inserts a key indicating the establishment into the establishment key hole of the transaction establishment availability information input unit 185 of the ATM 100 as the transaction establishment availability information. When the transfer transaction is not established, the attendant inserts a key indicating failure in the cancellation key hole of the transaction success / failure information input unit 185 as transaction success / failure information. In this case, the transaction success / failure information is input by inserting a key. However, the transaction success / failure information may be input by inserting a card, or the transaction success / failure information may be input by inputting a predetermined number. Information may be input, or information indicating whether or not the transaction has been established may be input by pressing a predetermined button. In addition, although the clerk inputs the information indicating whether or not the transaction is successful, the transfer person may input the information.

  If the installation location indicates that the ATM 100 is installed outside the financial institution's sales office, the intercom call message of FIG. 9 is displayed (step S125). In this case, as described above, the staff member who is monitoring the monitoring device 300 stands by in preparation for an interphone call from the transfer person. The transfer person talks with the attendant through the interphone. The transfer person can re-determine the purpose of the transfer and the like through a dialog on the interphone. And when making a transfer transaction, an attendant inputs the transaction success / failure information which shows establishment into the monitoring apparatus 300, and transmits to ATM100. The transaction success / failure information may be a predetermined number as described above. When the transfer transaction is not established, the clerk inputs the transaction establishment possibility information indicating the failure to the monitoring device 300 and transmits it to the ATM 100.

  When the transaction success / failure information indicating failure is input (step S126), the ATM 100 ends the transfer transaction without making the transaction. On the other hand, when the transaction success / failure information indicating establishment is input (step S126), the ATM 100 transmits a transfer process execution request to the host computer 200 together with the transfer information (step S127).

  The host computer 200 receives the transfer process execution request, executes the transfer process to establish a transfer transaction, and in the case of account transfer, registers the transfer contents in the transfer history file 222 of the transfer person.

  According to the transfer system 1000 of the present embodiment, when a part of the transfer information corresponds to a predetermined condition, the transfer information is on hold without establishing a transfer transaction even though the transfer information is information that can be transferred. Since it is in a state, it is possible to give the transfer person time to think, and it is also possible to prevent damage from “Ole fraud” and “fictional billing”. Moreover, in the transfer system 1000, the fine response | compatibility according to the transfer person is implement | achieved. Note that the transfer information is information that can be transferred, for example, there is no abnormality in the cash card or passbook, the entered PIN number matches the PIN registered as the account information, and the deposit balance is also the transfer amount This is the meaning that the condition for executing the transfer transaction that the transfer destination account exists is satisfied. In the transfer system 1000 according to the present embodiment, as described above, the transfer transaction may be put on hold although the transfer information is information that can be transferred.

  Furthermore, since the ATM 100 prompts the transfer person to display a different message depending on the installation location and the current time of the ATM 100 and to receive support from a staff member in a suitable location, You can receive a suitable service.

  Further, in the transfer system 1000, when the support target determination unit 260 determines that the support target is applicable, the monitoring apparatus 300 is notified, so that the person who received the notification can contact the transfer person. .

  Moreover, the transfer person can establish the transfer transaction that has been put on hold or can terminate the transaction without establishing the transaction by inputting the information on whether or not the transaction is possible.

Other examples:
(1) In the above example, when the transfer amount is 1 million yen or more, the transfer person is 60 years of age or older, and there has never been a transfer from the transfer person to the transfer destination account in the past, transfer transaction However, the condition is not limited to this, and various conditions can be set. For example, the condition may be that the transfer amount is 2 million yen or more, the age of the transfer person is 65 years or more, and the transfer result is 3 times or less. In the above embodiment, the transfer transaction is put on hold when all of the two or three conditions are satisfied. However, the transfer transaction may be put on hold if at least one condition is satisfied.

  Furthermore, the conditions are not limited to these three conditions, and other conditions may be used. For example, it is good also as what adds whether a transfer person is an individual name to conditions. In this case, in the case of an individual name, it may be determined as a support target. Furthermore, as another condition, a condition related to the transfer destination may be used. For example, the bank account for which fraud is suspected may be registered in the watchful account list, and the transfer transaction may be put on hold when the bank information for the transfer information is on the watchful account list. It is good also as what registers the account of the person who repeats cancellation and opening of an account frequently in an important account list. In addition, the cautionary account list may include the transfer destination account of the transfer transaction that is temporarily suspended in the transfer system 1000 and is terminated without establishing the transfer transaction.

  Furthermore, it is good also as what changes conditions by transaction time. For example, when the transfer transaction time is limited, the condition may be changed to that the transfer amount is 500,000 yen or more and there has never been a transfer record in the past just before the end of the transfer transaction time. . This is because it is considered that there are many cases where the transfer person cannot judge calmly especially at the time when the transfer transaction available time approaches.

(2) In the present embodiment, the date of birth of the transfer person is acquired as the age information, but the age may be directly acquired. In this embodiment, the date of birth is not acquired in the case of account transfer, but the date of birth may also be acquired in the case of account transfer. Further, when age is not included in the condition for determining the support target, it is not necessary to acquire age information.

(3) In the above embodiment, when it is determined that the transfer information does not correspond to the support target, the transfer process is executed during the support target determination process (step S87), but the transfer process is executed during the support target determination process. Instead, the transfer process may be executed when a transfer process execution request is transmitted from the ATM 100 again. For example, when it is determined that the transfer information is not a support target (step S100: NO), the ATM 100 transmits a transfer process execution request.

(4) Although the support target determination unit 260 is provided in the host computer 200 in the above embodiment, it may be provided in the ATM 100. For example, in ATM 100, it is determined whether or not it is a support target based on the transfer amount and the age. It is also good. Alternatively, if the transfer information is to be supported, the ATM 100 may request that the transfer transaction be put on hold when the transfer information is transmitted to the host computer 200, and the host computer 200 put the transfer transaction on hold. Note that by making an inquiry to the host computer 200, it is possible to determine whether or not there is a transfer record.

(5) In the above embodiment, by reporting to the monitoring device 300, the staff member who monitors the monitoring device 300 is notified that the transfer transaction to be supported is being performed. Not limited to this, various settings can be made. For example, it may be reported to an attendant's mobile phone. In the case of the ATM 100 set in the financial institution, it may be notified by sounding an alarm, or may be notified by turning on a lamp. Further, in this embodiment, the notification to the monitoring device 300 in step S121 is performed by the ATM 100, but may be performed by the host computer 200. It is not always necessary to report to the staff.

(6) In the above embodiment, the information management unit 180 is provided in the ATM 100. However, the information management unit 180 is provided in the host computer 200, and the host computer 200 manages the installation location and current time of the ATM 100. It may be executed by Further, in this embodiment, the installation location information is described as being an installation location, but the installation location information may be information indicating simply inside or outside the sales office.

(7) If the transfer information is subject to support, if the current time is within the operating hours of the counter and the ATM 100 is installed at a financial institution's sales office, the transaction will be terminated and the transaction will be made at the counter. As with the case where the current time is outside the window operating hours, the transfer transaction may be suspended without being terminated, and the transfer person may wait on the spot until an attendant arrives. . In this embodiment, different support processing is performed according to the installation location and the current time. However, the same support processing may be performed regardless of the installation location and the current time. For example, the transfer person may be urged to always contact an attendant via an interphone. In this case, it is not necessary to manage the installation location and the current time.

(8) In the above embodiment, when the transfer information is a support target, the messages shown in FIG. 7, FIG. 8, and FIG. 9 are displayed on the operation unit 110. However, the present invention is not limited to this. It is possible to use various notification means such as streaming audio. The content of the message is not limited to the content shown in FIG. 7, FIG. 8, and FIG.

(9) In the above embodiment, the messages shown in FIGS. 7, 8, and 9 are displayed on the operation unit 110. However, it is not always necessary to display them. This is because the transfer person may call an attendant or make a call from the attendant when he / she feels abnormal.

(10) In the above embodiment, only the transfer transaction is executed in the transfer system 1000, but it can be configured as an automatic transaction system capable of deposit / withdrawal transactions.

  The transfer system 1000 according to the present invention has been described above based on the embodiments. However, the above-described embodiments of the present invention are for facilitating the understanding of the present invention and do not limit the present invention. . The present invention can be changed and improved without departing from the spirit and scope of the claims, and it is needless to say that the present invention includes equivalents thereof.

The functional block diagram of ATM100 and the host computer 200 which comprise the transfer system 1000. FIG. Explanatory drawing which shows the customer information file 221. FIG. Explanatory drawing which shows the transfer log | history file 222. FIG. The flowchart which shows transfer transaction. The flowchart which shows a support target determination process. The flowchart which shows a support process. Explanatory drawing which shows a window guidance message. Explanatory drawing which shows a staff waiting message. Explanatory drawing which shows an intercom call message.

Explanation of symbols

DESCRIPTION OF SYMBOLS 110 ... Operation part 120 ... Passbook mechanism part 130 ... Line connection part 140 ... Control part 150 ... Card mechanism part 160 ... Statement slip mechanism part 165 ... Banknote depositing / withdrawing mechanism part 170 ... Coin deposit / withdrawal mechanism unit 175 ... Support processing unit 180 ... Information management unit 185 ... Transaction success / failure information input unit 200 ... Host computer 210 ... Line connection unit 220 ... File unit 221 ... Customer information file 222 ... Transfer history file 230 ... Control unit 240 ... Customer information file control unit 250 ... Transfer history file control unit 260 ... Supported object determination unit 270. .. Transfer processing unit 300 ... Monitoring device 1000 ... Transfer system

Claims (11)

A transfer system that enables money transfer transactions,
A transfer information acquisition unit that acquires transfer information about a transfer destination of money, transfer person information about a transfer person, and transfer amount;
A transfer transaction section for establishing a transfer transaction based on the transfer information;
A determination unit that determines whether or not the transfer information meets a predetermined condition based on at least a part of the transfer information;
With
When the transfer information meets the conditions, the transfer transaction unit is in a suspended state without establishing a transfer transaction based on the transfer information, even though the transfer information is information that can be transferred.
Transfer system. The transfer system according to claim 1, further comprising:
When the said transfer information corresponds to the said conditions, the transfer system provided with the message part which outputs the message which urges the transfer person to contact the person in charge of the financial institution which manages the said transfer system. The transfer system according to claim 2, further comprising:
A management unit that manages the current time and installation location information regarding the installation location of the transfer information acquisition unit,
When the current time is within the operating hours of a sales office of a financial institution that manages the transfer system, and the installation location information indicates that the installation location is in the sales office,
The transfer transaction unit terminates the pending transfer transaction without establishing a transaction,
The message unit outputs a message for guiding the transfer person to the window;
Transfer system. The transfer system according to claim 2, further comprising:
A management unit that manages the current time and installation location information regarding the installation location of the transfer information acquisition unit,
The message part is when the current time is outside the operating hours of a sales office of a financial institution that manages the transfer system, and the installation location information indicates that the installation location is in the sales office Outputting a message prompting to wait until the attendant comes.
Transfer system. The transfer system according to claim 2, further comprising:
A management unit that manages installation location information regarding the installation location of the transfer information acquisition unit;
When the installation location information indicates that the installation location is outside a sales office of a financial institution that manages the transfer system, the message unit outputs a message prompting remote communication with the staff. ,
Transfer system. The transfer system according to claim 1, further comprising:
A transfer system comprising a notifying unit for notifying a person in charge of the transfer system when the transfer information satisfies the condition. The transfer system according to claim 1, further comprising:
A transaction establishment / prohibition information input unit for inputting transaction establishment / non-execution information indicating whether or not to establish a transfer transaction based on the transfer information that is determined to hold the condition and is held;
The transfer transaction unit establishes the transfer transaction in the hold state when indicating that the transaction establishment / impossibility information is established, and indicates that the hold state is not established when the transfer transaction information in the hold state is not established. End without making a transfer transaction,
Transfer system. The transfer system according to claim 1,
The transfer person information includes age information that is information indicating the age of the transfer person,
The determination unit performs determination based on the age information.
Transfer system. The transfer system according to claim 1, further comprising:
A transfer history management unit for managing a transfer history including at least a part of the transfer information;
The determination unit performs determination based on the transfer history.
Transfer system. A transfer device for acquiring transfer information for performing a money transfer transaction,
A transfer information acquisition unit for acquiring the transfer information including the transfer destination information regarding the transfer destination of money, the transfer person information regarding the transfer person, and the transfer amount;
A transfer information transmitting unit that transmits the transfer information to a host computer that executes a transfer process based on the transfer information;
A determination unit that determines whether or not the transfer information meets a predetermined condition based on at least a part of the transfer information;
With
When the transfer information meets the conditions, the transfer information transmission unit is in a pending state, although the transfer information is information that can be transferred.
Transfer device. Money transfer method,
Acquiring transfer information including a transfer destination information regarding a money transfer destination, a transfer person information regarding a transfer person, and a transfer amount;
Establishing a transfer transaction based on the transfer information;
Determining whether the transfer information meets a predetermined condition based on at least a part of the transfer information;
With
In the step of establishing the transfer transaction, if the transfer information satisfies the conditions, the transfer information is a transfer transaction based on the transfer information, but the transfer information based on the transfer information, even though the transfer information is information that can be transferred. And
Transfer method

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