JP2007072657A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To acquire user's definite information by operating a camera by using a troubled card when the theft or lost troubled card is used, transmitting its image to a monitoring center connected to a network and connecting the image to a security company. <P>SOLUTION: In an automatic transaction device which can perform the payment transaction of cash, dispensing transactions, transfer transactions, etc., by a customer's operation, troubled card information stored in a customer database 10 of a host computer 7 is saved in a memory 19, a user is photographed and recorded by the camera 17 when the troubled card is used, furthermore the information is informed to the monitoring center 12, and the image is transmitted. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that supports theft of a cash card or the like used in a financial institution or the like and cash withdrawal by a lost card.

When a bank cash card or other card is stolen or lost (hereinafter referred to as an accident), the victim notifies the financial institution of the transaction to that effect. Upon receipt of the accident notification, the financial institution immediately notifies the host computer of the account number of the accident card, registers it in the customer database as theft information, and disables the card transaction.
Each branch of the financial institution periodically downloads the account number of the accident card to the automatic transaction device and stores it in the storage unit, and matches the card inserted in the automatic transaction device with the account number of the accident card In some cases, the drawer cannot be pulled out (for example, see Patent Document 1).
Japanese Patent Laid-Open No. 2001-184418

However, in the conventional technology described above, it is possible to prevent unauthorized withdrawal of cash, but when the accident card is used, information on who the user is is usually installed in the store. However, there is a problem that there is only a small amount of information as information for determining the user, and there is not enough information to determine the user.
An object of the present invention is to solve such a problem.

  Therefore, the present invention operates the camera by using an accident card, transfers the image to a network-connected monitoring center, obtains the image, and contacts the security company to obtain user confirmation information. With the goal.

  Therefore, the present invention provides an automatic transaction apparatus capable of cash deposit transactions, withdrawal transactions and transfer transactions by customer operations, storing accident card information stored in a customer database of a host computer in a storage unit, When the camera is used, the user is photographed and recorded by the camera, the information is notified to the monitoring center, and the image is transferred.

  According to the present invention as described above, when an accident card is illegally used, not only withdrawal of cash becomes impossible, but also an image of the unauthorized user is obtained from the nearest distance, stored and stored in the unauthorized user's Confirmation can be facilitated and the monitoring center can be contacted immediately and images can be transferred, and the monitoring center can contact the security company to arrange for security guards. The effect of increasing is obtained.

  Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a control block diagram showing an embodiment, and FIG. 2 is an explanatory diagram of an automatic transaction apparatus.
In the figure, reference numeral 1 denotes an automatic transaction apparatus, which can perform cash deposit transactions, withdrawal transactions, transfer transactions, and the like by customer operations.
Reference numeral 2 denotes a card insertion / discharge port which accepts insertion of a card by a customer's operation and discharges the inserted card for return to the customer. Further, there may be a case where a statement slip on which transaction details are printed is also discharged from the card insertion / discharge opening.

Reference numeral 3 denotes a banknote deposit / withdrawal port which accepts banknotes inserted by customers and delivers banknotes to be dispensed to customers.
Reference numeral 4 denotes a coin deposit / withdrawal port, which accepts coins input by customers and also delivers coins to be dispensed to customers.
Reference numeral 5 denotes a passbook insertion / discharge port which accepts insertion of a passbook by a customer's operation and discharges the inserted passbook to return it to the customer.

  Reference numeral 6 denotes a customer operation display unit, which is a transaction selection screen for guiding a customer's input operation and the like by arranging a touch panel or the like for receiving input by a customer's operation on a display panel such as a CRT (Cathode Ray Tube) or a liquid crystal display. The input information is displayed. Further, the customer operation display unit can detect an input operation performed by the customer with a touch panel and output a predetermined signal.

On the transaction selection screen, when a transaction button such as "withdraw", "deposit", or "transfer" is pressed, the press is detected and a predetermined signal is output to execute the transaction desired by the customer. can do.
Reference numeral 7 denotes a host computer, which is installed in an office center of a financial institution such as a bank, and has arithmetic and control means such as a CPU (Central Processing Unit) and MPU (Micro Processing Unit), a storage means such as a magnetic disk and a semiconductor memory, and The communication means is connected to the automatic transaction apparatus 1 via the communication line 8 so as to be able to communicate with each other, and exchanges transaction messages such as deposits, withdrawals, transfers, etc. with the automatic transaction apparatus 1. It is determined whether or not the transaction is to be closed. Moreover, the personal identification which confirms that the customer who receives the account number and the personal identification number and operates the automatic transaction apparatus 1 is the person is performed.

In some cases, the host computer 9 of another affiliated financial institution may be connected via a communication line.
Reference numeral 10 denotes a customer database in which customer information is stored, and information is transmitted and received in response to a request from the host computer 7. Accordingly, the customer information of the accident card is also stored. Also in this case, the information in the customer database 11 is handled in the same way when connected to other financial institutions.

Reference numeral 12 denotes a monitoring center, which is connected to each automatic transaction apparatus 1 via a network. As one of the functions of the present invention, a notification of use of an accident card and an image taken by the camera are transferred from the automatic transaction apparatus. The image is displayed on the monitoring device and the image is stored, and the monitoring center notifies the security company 13 of the usage information of the accident card.
Reference numeral 14 denotes a card reading / printing unit which reads account information such as an account number from a magnetic stripe or IC chip of a card inserted by the customer through the card insertion / extraction port 2 and details the contents of the transaction performed by the customer. And the card and statement slip are discharged from the card insertion / ejection slot 2.

  15 is a banknote depositing / dispensing machine. After the authenticity and denomination of the banknotes inserted from the banknote depositing / dispensing port 3, the banknotes are stored inside the apparatus and the banking deposit / withdrawal amount specified by the touch panel is stored. Drain into the spout 3. Therefore, money type safes such as the banknote discriminating section, temporary holding section, “thousand yen”, “5,000 yen”, and “10,000 yen” are connected by a transport path, and each of them is sorted or fed out by a switching blade. Or

Reference numeral 16 denotes a passbook unit, which prints transaction contents on a passbook inserted by the customer from the passbook insertion / extraction port 5, discharges the passbook from the passbook insertion / discharge port 5, and returns it to the customer.
Reference numeral 17 denotes a camera unit. When it is verified that the card is an accident card, the user operates to photograph a user who faces the automatic transaction apparatus, and the image is acquired and transferred to the monitoring center to be displayed on the monitoring monitor. Images are acquired and displayed.

Reference numeral 18 denotes a control unit, which is software stored in the storage unit 19 for the operation of the entire automatic transaction apparatus including the customer operation display unit 6, the card reading / printing unit 14, the banknote depositing / dispensing machine 15, the bankbook unit 16, and the camera unit 17. Control based on.
For example, the storage unit 19 stores a control program, various determination data, and the like. In this storage unit 19, accident card information can be downloaded from the customer database 10 of the host computer 7, and data such as an account number, which is accident card information, is periodically stored as determination data.

  Accordingly, when the customer selects withdrawal and the card is inserted, the card is read by the card reading / printing unit 14 and is compared with the account number of the accident card in the storage unit 19. When the amount is input, the control unit 18 transmits the card information, the password, and the withdrawal amount to the host computer 7, and the control unit 18 reads the data from the storage unit 19 and returns the transaction by replying the transaction permission from the host computer 7. It is something to execute.

If it is determined that the card is an accident card, the camera 17 takes a picture of the user, saves the image, notifies the monitoring center 12 of the use of the accident card, and simultaneously transfers the picture taken by the camera 17. The information is displayed on the monitoring monitor, the monitoring center 12 notifies the security company 13 to that effect, and the security guard is dispatched.
At that time, the normal transaction screen is displayed on the automatic transaction apparatus 1, and the accident card user inputs the password, and then inputs the withdrawal amount and presses the confirmation key as in the normal transaction. Normally, as described above, the control unit 18 transmits the card information or the like to the host computer 7 in this case. In this case, the control unit 18 does not transmit the information to the host computer 7, but displays “Now handling” on the screen. The wording is displayed, the accident card user is kept in front of the automatic transaction apparatus, and the arrival of the security company's security guard is awaited. At the same time, an alarm is also sent to the security room in the branch, and the number of the automatic transaction apparatus in which the accident card is used is also sent to the in-store guard along with the alarm to encourage the in-store guard to respond.

In the above description, when the accident card is used, the host computer 7 is not notified.
The operation of the above configuration will be described.
The operation of each unit described below is controlled by the control unit 18 based on software (program) stored in the storage unit 19 as described above.

The transaction will be described below using the flowchart of FIG.
The user operates according to the procedure displayed on the customer operation display unit in the same manner as in the conventional automatic transaction apparatus, and the operation procedure is exactly the same as in the past.
S1. Select a withdrawal transaction.
S2. A card is inserted into the card insertion / ejection slot 2.
S3. It is determined whether the card is an accident card. If it is not an accident card, the process proceeds to S4, and if it is an accident card, the process proceeds to S8.
S4. Enter your PIN.
S5. Enter the withdrawal amount and press the confirmation button.
S6. Communicate transaction details such as password and withdrawal amount to the host computer 7.
S7. The counted withdrawal amount is discharged to the banknote deposit / withdrawal port 3 and the card (with the transaction statement if necessary) is discharged to the card insertion / discharge port 2.

The customer takes out the banknote, card and transaction statement and ends.
S8. The camera starts shooting.
S9. The captured image is recorded and transferred to the monitoring center to be acquired and displayed on the monitoring monitor.
S10. After a certain period of time, the automatic transaction apparatus is forcibly terminated.
S11. Even when camera shooting is started in S8, the normal transaction screen is displayed on the screen of the customer operation display section, and the accident card user operates to input the password.
S12. Enter the withdrawal amount and press the confirmation button.
S13. A message such as “I am handling now” is displayed on the customer operation display section, and the operator is kept in front of the automatic transaction apparatus.
S14. After the predetermined time of S10, the automatic transaction apparatus is forcibly terminated.

In addition, at the same time as the start of camera shooting, as described above, the fact that the accident card is being used in the security room in the branch is reported together with the number of the automatic transaction apparatus, and the in-store security officer is encouraged to respond.
Upon receiving the report, the monitoring center 12 reports information on the use of the accident card to the security company 13, and the security company immediately dispatches security guards.
According to the present invention described above, when the accident card is illegally used, not only cash withdrawal becomes impossible, but also an image of the unauthorized user is obtained from the nearest distance, stored, and stored by the unauthorized user. Confirmation can be facilitated, and the monitoring center can be contacted immediately and images can be transferred, and the monitoring center can contact the security company to arrange for security guards. Will increase.

Control block diagram showing an embodiment Illustration of device example Flowchart explaining withdrawal transaction

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Card insertion discharge port 3 Banknote deposit / withdrawal port 4 Coin deposit / withdrawal port 5 Passbook insertion / discharge port 6 Customer operation display part 7 Host computer 8 Communication line 9 Other host computer 10 Customer database 11 Other customer database 12 Monitoring Center 13 Security company 14 Card reading / printing unit 15 Banknote depositing / dispensing machine 16 Passbook unit 17 Camera 18 Control unit 19 Storage unit

Claims (3)

In automatic transaction equipment that can perform cash deposit transactions, withdrawal transactions and transfer transactions by customer operation,
Accident card information stored in the customer database of the host computer is stored in the storage unit. When the accident card is used, the user is photographed and recorded, and the information is notified to the monitoring center. An automatic transaction apparatus characterized by transferring an image. The automatic transaction apparatus according to claim 1, wherein when an accident card is used, the fact is notified to a security room in the store. 2. The automatic transaction apparatus according to claim 1, wherein when the accident card is used, the host computer is notified.