JP2010079754A - Notification device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent billing fraud by considering a transaction condition of an automatic transaction apparatus. <P>SOLUTION: A notification device 1, for detecting a user who is made to improperly utilize the automatic transaction apparatus and for notifying a customer center or a security center of the fact, is provided with: a cellular phone user detecting means 103 for detecting a person who is a user of the automatic transaction apparatus and using a cellular phone; a suspicious person detecting means 102 for detecting a suspicious person who is a user of the automatic transaction apparatus and whose face does not be sufficiently imaged; and a notification control means 101 for notifying the customer center, if a transfer transaction is selected in the automatic transaction apparatus and for notifying the security center, if a drawing transaction is selected in the automatic transaction apparatus, when the user of the cellular phone or the suspicious person is detected. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

The present invention relates to a reporting device for preventing a transfer / withdrawal from an automatic transaction device due to an illegal act such as a transfer fraud or use of a counterfeit card. In particular, it is intended to prevent by identifying a transfer that is likely to be a crime victim and a withdrawal by a criminal.

“Transfer fraud” is a general term for fraud cases in which false contents are pointed at an elderly person or the like by telephone or sealed letter, and money transfer is requested. In general, it is “Ole scam”, “Fictional scam”, “Refund scam”, etc. Conventionally, as a countermeasure against such transfer fraud, Patent Document 1 stores a photograph of a user's face and a card number used at any time when using an automatic cash handling machine such as a CD / ATM at a financial institution store. I'm trying to identify the person I pulled out at a later date. Alternatively, financial institutions place restrictions on the amount of money transferred from an automatic transaction device and take measures such as calling at the counter for the possibility of fraud.

JP 2002-183799 A

However, a legitimate customer of a financial institution uses an automatic transaction apparatus when making a transfer, and a criminal of a fraud group uses an automatic transaction apparatus when making a withdrawal. In other words, in the automatic transaction apparatus, it is necessary to deal with a good customer when performing a transfer process, and it is required to deal with a criminal when performing a withdrawal process.

Conventionally, in responding to wire fraud, human beings of financial institutions responded without making such a distinction, so there was a risk that appropriate responses were not necessarily taken. In other words, if the criminals are alerted easily, they may be reversed and injured or escaped.
In addition, there is a clearly different attitude between those who are fraudulent and trying to transfer money (victims) and those who are fraudulent and who are trying to withdraw money (criminals).
Therefore, an object of the present invention is to prevent wire fraud in consideration of the transaction status of an automatic transaction apparatus.

In order to solve such a problem, the present invention is a notification device for detecting a user who is improperly using an automatic transaction apparatus and reporting to a customer center or a security center,
A mobile phone user detecting means for detecting a user of the automatic transaction apparatus and using a mobile phone; and a suspicious person who is a user of the automatic transaction apparatus and whose face is not sufficiently photographed. Suspicious person detecting means for detecting the mobile phone or the suspicious person when the transfer processing is selected in the automatic transaction apparatus when the mobile telephone user or the suspicious person is detected, and in the automatic transaction apparatus Provided is a reporting device comprising reporting control means for reporting to a security center if withdrawal processing is selected.

In addition, in a preferred aspect of the present invention, there is further provided alert means for alerting the user from a display or a speaker when a user of the mobile phone is detected.

In a preferred aspect of the present invention, when a call request is received from the customer center, a call can be made to the customer center using a speaker and a microphone.

As a result, when a suspicious person or a user of a mobile phone is detected, the report destination is selected depending on whether the automatic transaction apparatus is performing a transfer process or a withdrawal process. .

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram showing an overall configuration of an automatic transaction system to which the present invention is applied.

The automatic transaction system includes an automatic transaction apparatus 2, a notification apparatus 1, a camera 5, a microphone 6, a speaker 7, a display 8, a human body detector 9, and a customer center possessed by a financial institution and the like installed in each store such as a financial institution. 3, a security center 4 managed by the security company, and a communication network connecting the store, the customer center 3, and the security center 4.

The automatic transaction apparatus 2 is a device that is installed in a financial institution's store and handles cash, which is called a so-called CD machine (cash dispenser) / ATM machine (automated teller machine).
The reporting device 1 reports to the customer center 3 or the security center 4 via a communication network according to the operation status of a person operating the automatic transaction device 2 (hereinafter referred to as an operator). Specific operation will be described later.

The camera 5 is a photographing device that photographs an operator, and determines whether or not the face is normally considered, for example, whether or not the user is intentionally hiding or facing away. Get an image for. One or more are installed at positions where the face of the person who operates the automatic transaction apparatus 2 can be photographed appropriately.

The microphone 6 acquires an audio signal for detecting whether or not the operator is talking with another person using a mobile phone or the like during the operation. One or more are installed at a position where the operator's voice during a call can be acquired. In addition, it is desirable to have directivity so as not to acquire the voice of another person in line behind the automatic transaction apparatus.

The speaker 7 is a device that alerts the operator to a transfer fraud, warns that the cash card used by the operator is unusable, and provides various voice guidance. Installed around automatic transaction equipment.

The display device 8 is a device that alerts the operator such as wire fraud, warns that the cash card used by the operator is unusable, and displays various information. This can be realized with a small electronic bulletin board using an LED, a liquid crystal panel, or the like. It is installed at a position that is easy for the operator to see.

The management device 31 of the customer center 3 is a so-called server computer, which stores customer information in which customer account numbers and deposit amounts are stored in a database, a prohibition list in which account numbers prohibited from transactions are listed, and the like. When a transaction request signal is received from the automatic transaction apparatus 2 via the communication network, transaction processing is performed in accordance with the contents of the transaction request signal, customer information, a prohibition list, etc., and a transaction result signal is returned to the automatic transaction apparatus 2 and communication is performed. When an abnormality detection signal is received from the notification device 1 via the network, the prohibition list is edited according to the content of the abnormality detection signal.

The transaction request signal includes information such as transaction type, transaction amount, and transaction account. If the transaction type is transfer, the transaction account includes at least a transfer destination account that is the account number of the transfer destination. If the transaction type is withdrawal, the transaction account includes the withdrawal account that is the account number of the withdrawal source. The management device 31 compares the transfer account or withdrawal account with the prohibition list in the transaction process, and determines that the transaction is stopped when the transfer account or withdrawal account is included in the prohibition list, indicating that the transaction is stopped. A transaction result signal is generated and returned. If it is not in the prohibition list or if it is a normal processing request, the requested transaction processing is performed and a control signal or the like is transmitted to the automatic transaction apparatus 2.

The abnormality detection signal includes information such as a transaction type, a transaction account, and detection information. The management device 31 additionally stores the transfer account or withdrawal account included in the abnormality detection signal in the prohibition list, and displays information such as the transaction type, transaction account, and detection information on a display unit (not shown). The manager of the center 3 is notified of the occurrence of an abnormality.
The administrator of the customer center 3 identifies the customer using the account information acquired from the reporting device 1 and takes appropriate measures for the operator. For example, a transaction stop instruction is given to the automatic transaction apparatus 2 to which the reporting apparatus 1 is connected, a center member uses a speaker or a display device to alert and consult the operator, and guides to the counter.

When the security center 4 receives a report from the reporting device 1, the security center 4 performs a security countermeasure on the operator based on the content of the security service provided to each financial institution. For example, it uses a speaker to call attention remotely, or to dispatch a guard. In order to receive and process a report from the communication network, a monitoring device 41 realized by a computer is provided.

FIG. 2 is a block diagram illustrating a configuration of the notification device 1. The reporting device 1 includes a signal processing unit 10, an automatic transaction device I / F 11, a camera I / F 12, a microphone I / F 13, a speaker I / F 14, a display I / F 15, a communication I / F 16, and a storage unit 17. .

The signal processing unit 10 includes a CPU, a ROM, a RAM, and the like. Based on the image acquired by the camera 5 and the audio information acquired by the microphone 6, it is determined whether the operator is related to the transfer fraud. Etc. to control the entire reporting device 1. The signal processing unit 10 includes a communication control unit 101, a suspicious person detection unit 102, a mobile phone user detection unit 103, and an alerting unit 104 by program modules stored in the storage unit 17. Explanation of each of these means will be described later.

The sensor I / F 18 is an interface that receives a human body detection signal from the human body detector 9, and outputs a human body detection state to the signal processing unit 10 depending on the presence or absence of the human body detection signal.

The automatic transaction apparatus I / F 11 is an interface with the automatic transaction apparatus 2, and acquires information such as the transaction type selected by the operator and the operated account number from the automatic transaction apparatus 2.
The camera I / F 12 is an interface with the camera 5 and acquires an operator's face image acquired by the camera 5. The microphone I / F 13 is an interface with the microphone 6, and acquires the operator's voice information acquired by the microphone 6, particularly the call voice of the mobile phone.

The speaker I / F 14 is an interface with the speaker 7 and outputs voice guidance corresponding to the result processed by the signal processing unit 10 to the speaker 7. The display device I / F 15 is an interface with the display device 8, and outputs guidance by screen display corresponding to the result processed by the signal processing unit 10 to the display device 8.

The communication I / F 16 is an interface with the communication network, and outputs the report information to the report destination via the communication network when the signal processing unit 10 determines that the operator is related to the transfer fraud. The report information varies depending on the report destination. For example, when the report destination is the customer center 3, the report information includes information on the account operated by the operator, and when the report destination is the security center 4, the report information includes the operator's image.

The memory | storage part 17 shall memorize | store various information required for operation | movement of the notification apparatus 1, the program etc. which are performed in the signal processing part 10, and contains a report destination and an image. The report destination is the telephone number, I / P address, etc. of the management device 31 of the customer center 3 and the monitoring device 41 of the security center 4.

The image is a predetermined number of face images of the operator taken by the camera when the signal processing unit 10 determines that the operator is a suspicious person. For a predetermined time after it is determined that the operator is a suspicious person, the gesture gesture of the person may be stored as a moving image.

The report control means 101 controls general communication with the management device 31 or the monitoring device 41 via the communication I / F 16 / communication network. For example, a process related to communication when the suspicious person detecting means 102 described later notifies the management apparatus 31 of the customer center 3 or the monitoring apparatus 41 of the security center 4 of the detection of the suspicious person or the possibility of fraud damage. Execute.

The suspicious person detection means 102 detects whether or not the operator is a suspicious person that satisfies a predetermined condition. Various determinations as to whether or not the person is a suspicious person are conceivable. In the present embodiment, it is assumed that the operator operates the automatic transaction apparatus 2 while hiding his face with a hand. In addition, if the orientation of the face can be detected by a known method, an operator who operates the automatic transaction apparatus 2 while intentionally turning the face away from the camera may be a suspicious person.

The mobile phone user detecting means 103 detects whether or not the operator is operating the automatic transaction apparatus 2 while using the mobile phone. In the present embodiment, it is assumed that the process of determining using an image captured by the camera 5 and the audio information acquired by the microphone 6 are used together. Although used together in this embodiment, the user of the mobile phone may be detected by either one.

If the operator is determined to be a person involved in wire fraud, particularly a victim of fraud, based on the transaction type and the result of the mobile phone user detection means 103, the alerting means 104 is connected to the speaker I / F 14 and the display device. A predetermined guidance to the effect that attention should be paid to wire fraud is output to the I / F 15. In response to this, voice guidance flows from the speaker 7, and guidance by a character string or an image is displayed on the display 8.

FIG. 3 is a diagram showing a detailed configuration of the automatic transaction apparatus 2. The automatic transaction apparatus 2 includes a control unit 20, a reporting device I / F 21, a card / passbook R / W unit 22, a receipt issuing unit 23, a bill deposit / withdrawal unit 24, a coin deposit / withdrawal unit 25, a communication unit 26, and an operation display unit 27. Consists of

The control unit 20 includes a CPU, a ROM, a RAM, and the like, controls the movement of the entire automatic transaction apparatus 2, and executes at least the transfer / withdrawal detection unit 201 and the transaction control unit 202. The transfer / withdrawal detection means 201 refers to each signal input to the card / passbook R / W unit 22 and the operation display unit 27 to be described later, and detects that a transaction operation has been performed on the automatic transaction apparatus 2. Further, the transaction control means 202 executes processing such as inquiry to the management device 31 and transfer / withdrawal in response to a transaction request input by the operator operating the operation display unit 27. For example, the operation guide information is displayed on the operation display unit 27 to the operator, the receipt issuing unit 23 is instructed to print a receipt, the banknote depositing / dispensing unit 24 and the coin depositing / dispensing unit 25 are instructed. Give cash to the operator. At the time of depositing, cash received by the operator is received and the amount is counted.

The reporting device I / F 21 is an interface with the reporting device 1 and receives a signal from the reporting device 1 that the operator has been determined to be involved in the transfer fraud. The transaction type and the account information being operated are output.

When a cash card is inserted, the card / passbook R / W unit 22 reads the information of the cash card and outputs it to the control unit 20, and when the bankbook is inserted, the transaction information is printed on the bankbook. To do. The receipt issuing unit 23 prints a receipt describing the result of the transaction. The banknote deposit / withdrawal unit 24 counts the banknotes received from the control unit 20 and passes them to the operator, counts the inserted banknotes, and transmits the money amount to the control unit 20. The coin deposit / withdrawal unit 25 counts the coins instructed from the control unit 20 and passes them to the operator, counts the inserted coins, and transmits the amount to the control unit 20.

The communication unit 26 is an interface that transmits information on the person who operates the automatic transaction apparatus 2 and information on the account that is currently operated to the management apparatus 31 of the customer center 3 via the communication network.
The operation display unit 27 is realized by a touch panel, displays various buttons, and outputs button information pressed by the operator to the control unit 20. The various buttons include a transfer button for instructing the start of transfer, a withdrawal button for instructing the start of withdrawal, and a numeric keypad for inputting a transfer destination account number, a personal identification number, and the like. Although not shown in the figure, menu buttons for depositing, transferring, withdrawing, checking the balance, etc. are provided.

Next, with reference to FIG. 4, the flow of the reporting process of the reporting device 1 will be described. First, in step S11, it waits until it detects whether a person (operator) exists in the booth where the automatic transaction apparatus 2 was installed. That is, when the human body detection signal from the human body detector 9 is received from the sensor I / F 18, the process proceeds to the next step S12.

When the operator operates the operation display unit 27 of the automatic transaction apparatus 2 and selects a transaction type, the transaction type is input from the automatic transaction apparatus 2 from the automatic transaction apparatus I / F 11 of the reporting apparatus 1. In step S12, it is determined whether the transaction type is a transfer process or a withdrawal process. If the transaction type is a transfer process, the process proceeds to step S13. In the case of the withdrawal process, the process proceeds to step S16. In the case of other processes, although not shown, no special process is performed and the process returns to step S11.

In step S13, the mobile phone user detection means 103 detects whether the operator is using the mobile phone. Since the detection method has been described in detail in the mobile phone user detection means 103 in FIG. 2, the description thereof is omitted here.
In step S14, it is determined as a result of the process in step S13 whether the operator is using a mobile phone. When the mobile phone is used (S14-Yes), the process proceeds to step S15, and the report destination of the management device 31 of the customer center 3 registered in the storage unit 17 is read and notified. When the mobile phone is not used (S14-No), this process is terminated.

In step S12, when the process type is the drawer process, the process proceeds to step S16, and the suspicious person is detected by the suspicious person detecting means. In step S <b> 16, the suspicious person detecting means 102 detects a suspicious person who is operating the automatic transaction apparatus 2 while concealing it with a mask, a helmet, or the like so that the operator does not photograph his face with the camera. Since the detection method has been described in detail in the suspicious person detection means 102 in FIG. 2, the description thereof is omitted here.

In step S17, it is determined whether or not the determination result of step S16, that is, the situation where the operator's face is not sufficiently photographed and the face is concealed. When the face is concealed (S17-Yes), the process proceeds to step S18, the report destination is read from the storage unit 17, and the monitoring device 41 of the security center 4 is notified. If the face is not concealed (S17-No), this process ends.

As described above, the person who performs the transfer process using the mobile phone is regarded as an inappropriate user who can be a victim, and the person who performs the withdrawal process while concealing his / her face is contacted as a suspicious person, so that the appropriate reporter is notified , To be able to respond according to the situation.
Note that when the operator is detected in step S11 (S11-Yes), regardless of the processing type, when the mobile phone user detecting means 103 detects that the operator is using the mobile phone, Then, information for calling up the transfer fraud by the alerting means 104 may be presented to the operator in advance from the display 8 or the speaker 7.

Next, a processing flow when the management device 31 of the customer center 3 receives the notification will be described with reference to FIG. In step S21, the management device 31 waits for a notification from the notification device 1. When the notification is received (S21-Yes), in step S22, connection processing is performed on the notification device 1 and the automatic transaction device 2 that are the notification sources, and countermeasures are started. For example, as a countermeasure from the customer center 3, the transfer process may be temporarily suspended, or a call request may be transmitted to the automatic transaction apparatus 2 operated by the operator to request a call with the operator.

Next, a processing flow when the monitoring device 41 of the security center 4 receives the notification will be described with reference to FIG. In step S31, the monitoring device 41 waits for a notification from the notification device 1. When the notification is received (S31-Yes), in step S32, the operator is guarded against the security based on the contents of the security service provided to each financial institution. For example, a suspicious person is remotely alerted or warned using a speaker, or a guard is rushed.

It is a figure showing the whole automatic transaction system composition to which the present invention is applied. 2 is a block diagram showing a configuration of a reporting device 1. FIG. It is a block diagram which shows the structure of an automatic transaction apparatus. It is a flowchart of the notification process of the notification apparatus 1. It is a report reception flow figure of customer center 3. It is a report reception flow figure of security center 4.

Explanation of symbols

1 Reporting device 2 Automatic transaction device 3 Customer center 4 Security center

Claims (3)

A reporting device that detects a user who is improperly using an automatic transaction apparatus and reports to a customer center or a security center,
A mobile phone user detecting means for detecting a user of the automatic transaction apparatus and using a mobile phone;
Suspicious person detection means for detecting a suspicious person who is a user of the automatic transaction apparatus and whose face is not sufficiently photographed;
When a user of the mobile phone or a suspicious person is detected, if a transfer process is selected in the automatic transaction apparatus, a notification is made to a customer center, and if a withdrawal process is selected in the automatic transaction apparatus, it is guarded. Report control means for reporting to the center;
A notification device characterized by comprising:   The notification device according to claim 1, further comprising an alerting means for alerting the user from a display or a speaker when a user of the mobile phone is detected. The notification device according to claim 1, wherein when a call request is received from the customer center, a call can be made to the customer center using a speaker and a microphone.

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