JP2006338427A - Transfer transaction method of automated cash transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve the problem that ever-proposed technologies, which mechanically determine whether transfer frauds are committed to prevent damages due to transfer frauds, are not sufficient for preventing transfer frauds in transfer transactions with automated cash transaction devices. <P>SOLUTION: In the method, which is different from the conventional art, transfer transaction is executed under the interposition of a person in charge in case that there is a possibility of a transfer fraud in transfer transactions. In this case, a reason for transferring is selected as input information for a transfer transaction, and an automated cash transaction device determines whether a transfer fraud exists based on the combination of the reason for transferring and other transfer information. For a transaction having a possibility of a transfer fraud, the transaction is performed under the interposition of a person in charge. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a transfer transaction method for an automatic teller machine installed in a financial institution or the like.

  In general, as a security measure against bank transfer fraud, a warning message is displayed on the customer operation screen.

  Japanese Patent Laid-Open No. 9-134468 discloses an example of inputting a reason for transfer in a transfer transaction by an automatic cash transaction apparatus.

JP-A-9-134468

  Even if the caution wording is displayed on the customer operation screen of the automated teller machine for the attention to the transfer fraud, if the same wording is seen every time the transfer is made, the user's alertness tends to fade. .

  In addition, even if an arbitrary reason for the transfer is entered, whether the reason for the transfer is valid or not must be determined by human judgment, and all the transfer transactions in the automatic teller machine are determined by human. Because it is very difficult, it has become an issue that it is necessary to narrow down the transactions that require human intervention.

  Therefore, in the present invention, by selecting from among the options that roughly categorize the reason for the transfer, and determining the combination of the selected transfer reason and the transfer information such as the transfer amount, it narrows down the transactions that may be a transfer fraud, For transactions judged to require the intervention of financial institutions, etc., stop handling with automated teller machines and direct users to financial institutions, etc., to the terminal used by financial institutions Transferring bank transfer information, staff members such as financial institutions can take appropriate measures against users who come to the counter, and prevent damages caused by bank transfer fraud.

  In addition, by making it possible to change the condition items and condition values when narrowing down transactions according to instructions from the host computer, it is possible to narrow down according to the situation, such as financial institutions without lack of crime prevention It is also possible to reduce the involvement of staff in transactions.

  According to the present invention, it becomes possible to judge transactions with the possibility of transfer fraud by an automatic teller machine, and a staff member such as a financial institution can intervene only in transfers with the risk of fraud, and damage caused by transfer fraud Can be prevented in advance.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

  FIG. 1 shows a configuration diagram when applied to an automatic teller machine. The automatic teller machine 1 has a main body control unit 2 for controlling the automatic teller machine 1 and various information to the user of the automatic teller machine 1. A customer operation panel unit 3 for receiving input from a user, a magnetic storage device 4 for storing various information such as programs, and a line connection unit 5 for connecting to a host computer 9 A magnetic card mechanism 6 for reading the information on the cash card, a statement slip printer rear portion 7 for printing the transaction result on the statement slip and issuing it to the user of the automatic teller machine 1, and a user storing the banknote. And a banknote depositing / withdrawing mechanism 8 for dispensing according to the instructions.

  The host computer 9 has a magnetic storage device 10 for storing at least transaction information.

  A window terminal 11 used by a staff member such as a financial institution is connected to a host computer 9.

  FIG. 3 is a transfer reason selection screen when inputting the transfer information.

  The transfer reason selection screen 100 is a screen displayed on the customer operation panel unit 3 when the transfer reason, which is transfer information of the transfer transaction, is input by the user of the automatic teller machine, and is at least canceled to interrupt the transaction. It consists of a key 101, various payment keys 102 indicating the reason for transfer, a delivery key 103, and other keys 104.

  FIG. 5 shows transfer condition narrowing condition data instructed from the host computer 9.

  The narrowing condition data 200 is data transmitted from the host computer 9 to the automatic teller machine 1 and is composed of a communication header and narrowing item information suitable for the communication procedure, and the narrowing information is a transfer item as a narrowing item when narrowing the transfer transaction. The narrowed-down item 201 for setting information to be validated and the type of transfer information to be invalidated, and the narrowed-down attached information 202 for designating a criterion for narrowing down by the narrowed-down item 201 are configured.

  Note that the narrowing item 201 has an area for setting valid / invalid for each transfer information, and if the transfer information is valid as a narrowing item, a value indicating validity, for example, “1” is set. If there is, a value indicating invalidity, for example, “0” is set. In this embodiment, it is represented by a transfer reason 203 and a transfer amount 204.

  Further, the refinement attached information 202 has a judgment reference value corresponding to the refinement item 201, and in this embodiment, it is represented by the reason why the continuation cannot be made 205 and the limit 206.

  An embodiment of the present invention will be described with reference to the drawings.

  In the present embodiment, a cash transfer transaction will be described as an example.

  FIG. 2 is a flowchart showing the flow of the transfer transaction performed in the automatic teller machine 1. First, the automatic teller machine 1 senses that a user has appeared with a sensor or the like, and displays a transaction selection screen on the customer operation panel 3. Is displayed and waits for the user to select an arbitrary transaction (S1).

  The user selects a transfer transaction from the displayed transaction selection screen (S2), and then selects cash transfer on the displayed transfer method selection screen (S3).

  Next, the automatic teller machine 1 displays the transfer reason screen 100 shown in FIG. 3 on the screen, and allows the user to select the reason for the transfer for the current transfer transaction.

  The user selects the most appropriate transfer reason from the displayed screen (S4).

  In the present embodiment, it is assumed that three kinds of options “various payments” 102, “delivery” 103, and “others” 104 are prepared and “others” 104 is selected among them.

  Subsequently, the user inputs the transfer destination financial institution, the account number and account of the transfer destination, the name of the transfer partner, the name of the user himself, and the transfer amount (S5, S6, S7, S8, S9).

  The automatic teller machine 1 displays the input transfer amount and the transfer destination on the customer operation panel 3, and allows the user to confirm the input contents (S10).

  Next, the automatic teller machine 1 narrows down the transactions that require the intervention of a clerk based on the input confirmed information (S11).

  The above-mentioned criteria for narrowing down are determined by the data shown in FIG. 5 transmitted from the host computer 9 to the automatic teller machine 1 when the automatic teller machine 1 first communicates with the host computer 9. It is determined.

  The automatic teller machine 1 that receives the narrowing condition data 200 transmitted from the host computer 9 stores the narrowing item 201 and the narrowing attached information 202 in the magnetic storage device 4.

  FIG. 4 is a flowchart showing in detail the flow of judgment when narrowing down the transfer transaction. The automatic cash transaction apparatus 1 receives the advance reason 203 of the narrowing item 201 received in advance and stored in the magnetic storage device 4. Is valid as a narrowing item, it is determined whether or not the transfer reason input by the user matches the non-continuation transfer reason 205 of the narrowing attached information 202 received in advance and stored in the magnetic storage device 4 If they do not match, it is determined that intervention by an attendant is unnecessary, and the transaction is continued. If they match, the transfer amount that is the next narrowing item is determined (S20).

  If the transfer amount 204 of the narrowing item 201 is valid as the narrowing item, the transaction that requires the determination of the next narrowing item is the transfer amount entered by the user and the limit 206 of the narrowing attachment information 202. If the transfer amount is less than the limit amount 206, it is determined that no clerk intervention is required, and if the transfer amount is greater than the limit amount, it is determined that clerk intervention is required for all of the narrowed items 201 And cancel the transfer transaction (S21).

  Transfer transactions that are determined to require no attendant due to the above-mentioned narrowing down are performed by sending and receiving transaction information to and from the host computer 9 (S12), allowing the user to confirm the transfer information checked by the host computer (S13), The transfer money is inserted into the banknote deposit / withdrawal mechanism unit 9 (S14), and if the input amount exceeds the effective transfer amount of the user, the change is transferred to the user (S15), and the transaction ends.

  On the other hand, if it is determined that the attendance of an attendant is necessary due to the above-mentioned narrowing down, first, the transfer information input by the user is transmitted to the host computer 9, and the host computer receiving the transfer information transfers the transfer information to the magnetic storage device 10. Is memorized (S16).

  Subsequently, the automatic teller machine 1 displays a message on the customer operation panel unit 3 to guide the user to the counter so that the continuation of the transfer transaction can be performed at the counter of the financial institution with the intervention of an attendant. Then, the transfer transaction at the automatic teller machine is terminated (S17).

  When a user who is led to the counter arrives, a cashier at a financial institution or the like searches for the transfer information stored in the magnetic storage device 10 of the host computer 9 from the name or the like, and is input by the automatic teller machine 1 If it is determined that there is no possibility of transfer fraud due to the transfer information received and the reason for transfer received from the user, the transfer procedure is performed.

  As described above, in the transfer transaction by the automatic teller machine, it becomes possible to prevent the damage of the transfer fraud.

The block diagram of an automatic teller machine. Flow chart of transfer transaction. The block diagram of a transfer reason selection screen. The detailed flowchart of a staff member necessity judgment. The block diagram of refinement information.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus, 2 ... Main body control part, 3 ... Customer operation panel part, 4 ... Magnetic memory | storage device, 5 ... Line connection part, 6 ... Magnetic card mechanism part, 7 ... Statement slip printing mechanism, 8 ... Bill entry / exit Gold mechanism, 9 ... host computer, 10 ... magnetic storage device, 11 ... window terminal.

Claims (2)

  In the transfer transaction method of the automatic teller machine installed at financial institutions, etc., the selection of the reason for transfer is added to the transfer information entered by the user in the transfer transaction, and cash is selected according to the selected transfer reason and the transfer amount, etc. The automatic transaction device determines whether to continue the transfer transaction or cancel the transaction. If it is determined that the transaction will be cancelled, it will send the transfer information for use at the window terminal to the host computer and display the window guidance guidance. A transfer transaction method characterized by guiding the user to a window. 2. The transfer transaction method according to claim 1, wherein an item for determining whether or not to cancel the transfer transaction is changed by an instruction from a host computer.

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