JP2010113613A - Automatic teller machine and transfer confirmation method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent bank transfer relating to billing fraud. <P>SOLUTION: The automatic teller machine has: an operation display part 110 displaying information, and receiving various kinds of input operations from a user; a card reader 112 reading a user ID from a card; an input reception part 101 receiving input of an account number of a recipient; a communication part 106 transmitting the user ID and the account number to a financial server 200, and receiving age information corresponding to the user ID and recipient information corresponding to the account number; a transfer processing part 103 performing transfer processing to the recipient of the received account number; an age decision part 104 deciding whether or not an age of the user corresponds to a predetermined age condition using the age information; an account decision part 105 deciding whether or not the name of the recipient is a personal name using the recipient information; and a display control part 102 displaying a warning screen when the age of the user corresponds to the predetermined age condition and when the name of the recipient is the personal name. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an automatic teller machine that deposits and withdraws cash using a card and the like, and a transfer confirmation method.

  In recent years, there has been a problem of wire fraud using an automatic teller machine (ATM) that uses a card or the like to withdraw and deposit cash. Wire fraud is a very sneaky crime that takes advantage of the love of close relatives and reverses the relationship of trust between people and society. As a measure for preventing such a transfer fraud, for example, the use of a mobile phone in a cash corner can be prohibited. As means for prohibiting the use of a mobile phone, methods such as outputting a jamming radio wave that interferes with the communication of the mobile phone around the cache corner, or covering the cache corner with a shield are conceivable.

  Another measure is detection of a suspicious person in a cache corner using image processing. For example, an alarm device is disclosed that reports to a manager or the like when it is determined that there is a possibility of a suspicious person by performing image processing on a video of a visitor's face captured by a camera or the like (Patent Document) 1).

Japanese Patent No. 2658054

  However, as described above, even if an attempt is made to prohibit the use of a mobile phone in the cash corner, the radio wave cannot be output in consideration of the influence of the jamming radio wave on the other, or it is covered with a shield depending on the installation situation of the cash corner Since construction was not possible, it was sometimes difficult to prohibit the use of mobile phones in the cash corner. Further, like the alarm device of Patent Document 1, suspicious person detection using image processing is considered to be effective as a countermeasure at a stage after the transfer is performed, but it is possible to prevent the transfer itself in advance. Have difficulty.

  The present invention has been made in view of the above, and an object of the present invention is to provide an automatic teller machine and a transfer confirmation method that prevent an unauthorized transfer for a transfer fraud or the like.

  In order to solve the above-described problems and achieve the object, an automatic teller machine according to the present invention displays information and performs various inputs from a user in an automatic teller machine that deposits and withdraws cash. An operation display unit that receives an operation; an information reading unit that reads user identification information unique to the user from an information storage medium; and an input reception unit that receives input of bank account information indicating a bank account from the user. The read user identification information and the received transfer account information are transmitted to a financial server connected to the network and providing information on cash deposits, and the user's age corresponding to the user identification information A communication means for receiving, from the financial server, age information and transfer destination information that is transfer destination information corresponding to the transfer destination account information; A transfer processing unit that performs a transfer process to a transfer destination indicated by the transfer destination account information, an age determination unit that determines whether or not a user's age satisfies a predetermined age condition, based on the age information, and the transfer Account determination means for determining whether or not the name of the transfer destination is a personal name based on the destination information, the age of the user meets the predetermined age condition, and the name of the transfer destination is a personal name And a warning means for displaying on the operation display section a warning screen for prompting confirmation of whether or not the transfer to the transfer destination is valid.

  The transfer confirmation method according to the present invention is a transfer confirmation method executed by an automatic teller machine that deposits and withdraws cash, and the automatic teller machine displays information and receives information from a user. Transfer account information including an operation display unit that accepts various input operations and an information reading unit that reads user identification information unique to the user from the information storage medium, and the input accepting unit indicates a transfer destination account from the user And the communication means transmits the read user identification information and the received transfer account information to a financial server that is connected to a network and provides information relating to cash deposit, and the user From the financial server, the age information related to the age of the user corresponding to the identification information, and the transfer destination information that is the transfer destination information corresponding to the transfer destination account information. And a step of performing a transfer process to the transfer destination indicated by the received transfer destination account information, and an age determination unit that sets the age of the user to a predetermined age condition based on the age information. A step of determining whether or not it corresponds, a step of determining whether or not the name of the transfer destination is a personal name, and a warning means based on the transfer destination information; When the predetermined age condition is satisfied and the name of the transfer destination is an individual name, a warning screen is displayed on the operation display unit for confirming whether or not the transfer to the transfer destination is valid. And a step of performing.

  According to the present invention, when a predetermined condition is satisfied, a warning screen for prompting confirmation of whether or not the transfer to the transfer destination is valid is displayed, thereby preventing an illegal transfer for a transfer fraud or the like. There is an effect that can be.

  Exemplary embodiments of an automatic teller machine (ATM) and a transfer confirmation method according to the present invention will be explained below in detail with reference to the accompanying drawings.

(Embodiment 1)
FIG. 1 is a block diagram illustrating the configuration of the ATM according to the first embodiment. As shown in FIG. 1, the ATM 100 includes an operation display unit 110, a card reader 112, an input reception unit 101, a display control unit 102, a transfer processing unit 103, an age determination unit 104, and an account determination unit 105. The communication unit 106 is mainly provided, and is connected to the financial server 200 via the network 50. The ATM 100 is a machine that deposits (withdraws) and withdraws (withdraws) cash and makes a transfer to an account at a transfer destination by a user. In the present embodiment, a case of performing a transfer will be described.

  The network 50 is a telephone line, a wireless network, the Internet, or the like, and connects the print request apparatus and the printer.

  The financial server 200 is connected to the ATM 100 via the network 50, and is a server that transmits information relating to cash deposits executed by the ATM 100 to the ATM 100. Specifically, the financial server 200 includes a storage unit (not shown) such as an HDD (Hard Disk Drive), and the storage unit stores information on registered users. Then, the financial server 200 performs user authentication based on the user ID of the user who is performing an input operation on the ATM 100, or succeeds in information related to cash deposit executed by the ATM 100, for example, user authentication. Information on the age of the user who made the payment and information on the bank transfer destination is transmitted to the ATM 100.

  The operation display unit 110 includes a liquid crystal display unit and an operation unit. Various input operations by the user are accepted from the operation unit, and the liquid crystal display unit displays information such as various screens. Various input operations can be performed by a user's touch operation from the screen displayed on the liquid crystal display unit.

  The card reader 112 reads a user ID unique to the user from an information storage medium such as a passbook or a magnetic card (hereinafter referred to as “card”) possessed by a user who desires to use the ATM 100. is there.

  The input receiving unit 101 receives various inputs by an input operation from the operation display unit 110 by a user who desires to use the ATM 100. Specifically, the user receives a personal identification number, an account number of a transfer destination, or the like. Accepts input related to cash deposit and transfer processing. Further, the input receiving unit 101 receives an input of a continuation instruction to continue the transfer process by pressing a “continue” button from a warning screen (described later) displayed on the operation display unit 110, ”Button is pressed, an input of an interruption instruction to interrupt the transfer process is accepted.

  The transfer processing unit 103 performs a transfer process to the transfer destination indicated by the account number of the transfer destination that has received the input by the input receiving unit 101. This transfer process is a process in which the cash deposited in the ATM 100 by the user is put into a transfer destination account, or the deposit of the user's account is put into the transfer destination account without physically using the cash.

  In addition, after a warning screen (described later) is displayed on the operation display unit 110, the transfer processing unit 103 performs a transfer process when a continuation instruction is received by the input receiving unit 101, and an interruption instruction is issued by the input receiving unit 101. If accepted, the transfer process is interrupted. Furthermore, after interrupting the transfer process, the transfer processing unit 103 resumes the transfer process when the administrator (bank employee or operator) managing the ATM 100 releases the transfer process. In addition, cancellation | release of interruption of a transfer process is canceling | releasing by inputting the PIN code which only an administrator can know, for example.

  The communication unit 106 transmits the user ID read by the card reader 112 and the account number of the transfer destination received by the input receiving unit 101 to the financial server 200. In addition, when the user authentication is successful in the financial server 200, the communication unit 106 includes age information related to the age of the user corresponding to the user ID and information such as the name of the transfer destination corresponding to the account number of the transfer destination. Is received from the financial server 200.

  The age determination unit 104 determines whether the age of the user meets a predetermined age condition based on the age information received from the financial server 200 by the communication unit 106. In the present embodiment, description will be made assuming that age determination unit 104 determines whether the age of the user is 60 years or older. In addition, since the said user made into the target of a transfer fraud is assumed to change with a technique, age conditions may set not only 60 years old or more but arbitrary age ranges. For example, when a transfer fraud aimed at young people becomes a social problem, the age condition may be 20 years old or less. Moreover, it is good also as information which shows whether the age information received from the financial server 200 corresponds to predetermined age information.

  The account determination unit 105 determines whether the name of the transfer destination is a personal name based on the transfer destination information received from the financial server 200 by the communication unit 106. Here, the reason for determining whether the name of the transfer destination is an individual name is that most of the transfer destination accounts of the transfer fraud are accounts with an individual name.

  The display control unit 102 is legitimate for the user to transfer money to the payee when the user is over 60 years old, which is a predetermined age condition, and the payee's name is an individual name. A warning screen for prompting confirmation of whether or not is displayed on the operation display unit 110.

  Here, the warning screen will be described. FIG. 2 is an explanatory diagram illustrating an example of a warning screen displayed on the operation display unit 110. The warning screen 10 warns the user that there is a possibility that the transfer is an illegal transfer due to a transfer fraud when the age of the user is 60 years old or more and the name of the transfer destination is an individual name, It is a confirmation prompt. Therefore, as shown in Fig. 2, for example, a warning message such as "There is a possibility of wire fraud!" Is displayed at the top, and confirmation such as "Is your family really calling?" A message prompting you is displayed. In the lower part, a message asking whether or not to continue the transfer procedure is displayed, and various buttons (“Continue” button 11 and “Suspend” button 12) for inputting instructions for the message are displayed. When the “Continue” button 11 is pressed, it is determined that the transfer is valid as a result of confirmation by the user, and the transfer process is continued by recognizing that the continuation instruction has been accepted. On the other hand, when the “interrupt” button is pressed, it is determined that the transfer is invalid as a result of confirmation by the user, and the transfer process is interrupted by recognizing that an interrupt instruction has been accepted.

  Moreover, it is good also as a structure which displays a warning screen and interrupts a transfer process. FIG. 3 is an explanatory diagram illustrating another example of a warning screen displayed on the operation display unit 110. As shown in FIG. 3, for example, on the warning screen 20, there is a warning message “This transaction has been interrupted!” Explaining that the transfer process has been interrupted because there is a possibility of an illegal transfer. A message appears prompting you to wait until the bank clerk arrives or to talk to the operator. If it is confirmed by the bank clerk who rushed to or the operator at the telephone destination that the transfer is illegal, the transfer process is terminated. On the other hand, if it is confirmed by the bank clerk or operator that the transfer is valid, the bank clerk interrupts the transfer process by pressing the “Resume transaction” button 21 and entering a password. The user resumes the transfer process by canceling or canceling the interruption of the transfer process by remote control.

  Next, the transfer confirmation process in ATM100 comprised as mentioned above is demonstrated. FIG. 4 is a flowchart of a transfer confirmation process performed by the ATM 100 according to the first embodiment.

  First, in order to perform transfer to the transfer destination, when a card is inserted into the ATM 100 by the user, the card reader 112 reads the user ID from the card (step S10). Next, the input of the account number of the transfer destination by a user is received (step S11). And the communication part 106 transmits the read user ID and the account number of the received transfer destination to the financial server 200 (step S12).

  When the financial server 200 receives the user ID and the account number of the transfer destination, it performs user authentication based on the user ID, and if the user authentication is successful, the age information corresponding to the user ID and the account number of the transfer destination Is sent to the ATM 100. Therefore, when the user authentication is successful in the financial server 200, the communication unit 106 receives age information and transfer destination information from the financial server 200 (step S13).

  Next, the age determination unit 104 determines whether or not the user's age is 60 years or older based on the received age information (step S14). When the age of the user is 60 years old or less (step S14: No), the process is terminated.

  On the other hand, when the age of the user is 60 years or older (step S14: Yes), the account determination unit 105 determines whether the name of the transfer destination is an individual name based on the received transfer destination information (step). S15). If the name of the transfer destination is not a personal name (step S15: No), the process is terminated.

  On the other hand, when the name of the transfer destination is an individual name (step S15: Yes), the display control unit 102 displays a warning screen as shown in FIG. 2 on the operation display unit 110 (step S16).

  Next, the transfer processing unit 103 determines whether an instruction to interrupt the transfer process has been received from the warning screen displayed on the operation display unit 110 (step S17). When the interruption instruction is not received (step S17: No), that is, when the continuation instruction is received, the transfer processing unit 103 continues the transfer process (step S18).

  On the other hand, when an interruption instruction is received (step S17: Yes), the transfer processing unit 103 interrupts the transfer process (step S19), and ends the process without performing the transfer process.

  Next, a transfer confirmation process when a warning screen as shown in FIG. 3 is displayed in the ATM 100 will be described. FIG. 5 is a flowchart of a transfer confirmation process performed by the ATM 100 according to the first embodiment.

  First, since the process (steps S30 to S35) from the reading of the user ID to the transferee name determination (steps S30 to S35) is the same as the process in FIG. 4, description thereof is omitted (steps S10 to S15).

  Next, when the name of the transfer destination is an individual name (step S35: Yes), the display control unit 102 displays a warning screen as shown in FIG. 3 on the operation display unit 110 (step S36). Then, the transfer processing unit 103 interrupts the transfer process (step S37).

  After interrupting the transfer process, the transfer processing unit 103 determines whether or not the transfer process is canceled by an administrator (banker, operator, or the like) that manages the ATM 100 (step S38). When the interruption of the transfer process is canceled (step S38: Yes), the transfer processing unit 103 resumes the transfer process (step S39). On the other hand, when the interruption of the transfer process is not released (step S38: No), the process is terminated without performing the transfer process.

  As described above, the ATM 100 according to the first embodiment confirms whether or not the transfer to the transfer destination is valid when the age of the user is 60 years old or more and the transfer destination is an individual name. By displaying a warning screen for prompting the operation on the operation display unit 110, it is possible to prevent a transfer for a transfer fraud.

(Embodiment 2)
In ATM100 concerning Embodiment 1, it was a case where a transfer process was directly performed from a user's account to a transfer destination account with a card etc., without carrying out cash withdrawal. A case will be described in which after the cash is withdrawn, the transfer process is continuously performed to the account of the transfer destination.

  FIG. 6 is a block diagram of an ATM configuration according to the second embodiment. As shown in FIG. 5, the ATM 300 includes an operation display unit 110, a card reader 112, an interpersonal sensor 313, an input reception unit 101, a display control unit 102, a transfer processing unit 103, an age determination unit 104, The account determination unit 105, the communication unit 306, and the person verification unit 307 are mainly provided, and are connected to the financial server 200 via the network 50. Here, the configurations and functions of the operation display unit 110, the card reader 112, the input reception unit 101, the display control unit 102, the transfer processing unit 103, the age determination unit 104, and the account determination unit 105 are as follows. Since it is the same as that of Embodiment 1, description thereof is omitted.

  The interpersonal sensor 313 is a human sensor that detects the presence or absence of a user who is performing a cash withdrawal input operation, a cash transfer input operation, or the like on the operation display unit 110 at a position toward the ATM 100. Specifically, the interpersonal sensor 313 outputs a detection signal when a user exists at a position toward the ATM 100, and does not output a detection signal when there is no user at a position toward the ATM 100.

  Based on the detection by the interpersonal sensor 313, the person verification unit 307 determines whether the user detected at the time of cash withdrawal is the same person as the user detected at the time of cash transfer. Judgment. Specifically, for example, when the cash withdrawal button (not shown) displayed on the operation display unit 110 is pressed by the user and the user ID is read by the card reader 112, the input accepting unit 101 receives the cash. When the input of the withdrawal process is received, the person verification unit 307 determines that the user detected by the interpersonal sensor 313 at that time is the user who is conducting the withdrawal of cash. In addition, when the cash transfer button (not shown) displayed on the operation display unit 110 is pressed by the user and the account number of the transfer destination is input, the input receiving unit 101 inputs the cash transfer process. If accepted, the person verification unit 307 determines that the user detected by the interpersonal sensor 313 at that time is the user who is transferring the cash.

  And the person collation part 307 detects the user who performed the cash withdrawal when the user is continuously detected by the interpersonal sensor 313 between the cash withdrawal time and the cash transfer time. When the user makes a cash transfer without interrupting the detection status, the user detected at the time of cash withdrawal and the user detected at the time of cash transfer are the same person. Judge. On the other hand, the person verification unit 307 detects a user who has withdrawn cash, and detects a user who makes a cash transfer after the detection state is temporarily interrupted. It is determined that the detected user and the user detected at the time of cash transfer are not the same person.

  When the communication unit 306 determines that the user detected at the time of cash withdrawal is the same person as the user detected at the time of cash transfer, the communication unit 306 performs the cash withdrawal. The user ID read by the card reader 112 and the account number of the transfer destination accepted by the input accepting unit 101 when transferring the cash are transmitted to the financial server 200. In addition, when the user authentication is successful in the financial server 200, the communication unit 306 receives age information corresponding to the user ID and transfer destination information corresponding to the account number of the transfer destination from the financial server 200.

  Next, the transfer confirmation process in ATM300 comprised as mentioned above is demonstrated. FIG. 7 is a flowchart of a transfer confirmation process performed by the ATM 300 according to the second embodiment. Here, as a premise of the present embodiment, the interpersonal sensor 313 continuously detects whether or not there is a user at a position in front of the ATM 300, and if there is a user, a detection signal Is output.

  First, in order to withdraw cash, when the cash withdrawal button is pressed by the user and a card is inserted into the ATM 300, the card reader 112 reads the user ID from the card (step S50). Next, a cash withdrawal process for withdrawing cash of the amount desired by the user is performed (step S51).

  Next, the person verification unit 307 determines whether or not the interpersonal sensor 313 is detecting the presence of the user (step S52). Specifically, it is determined whether or not the presence of the user is being detected by determining whether or not the detection signal is continuously received from the interpersonal sensor 313. When the presence of the user is not detected, that is, when the detection signal from the interpersonal sensor 313 is not continuously received (step S52: No), the user who withdraws the cash completes the business and performs the ATM 100. It is determined that the user has left before the process, and the process is terminated.

  On the other hand, when the presence of the user is being detected, that is, when the detection signal from the interpersonal sensor 313 is continuously received (step S52: Yes), the user who withdraws the cash stays in front of the ATM 100, Since it is determined that the transaction is to be continued and the transfer is made to the transfer destination, it is determined whether or not the cash transfer button is pressed by the detected user and the input of the account number of the transfer destination is accepted. (Step S53). When the input of the account number of the transfer destination has not been accepted (step S53: No), the transfer is not performed to the transfer destination, and the process ends.

  On the other hand, when the input of the account number of the transfer destination is accepted (step S53: Yes), the user detected at the time of cash withdrawal and the user detected at the time of cash transfer are the same person The communication unit 306 transmits the read user ID and the accepted transfer destination account number to the financial server 200 (step S54).

  Since the process (steps S55 to S61) from the reception of the age information and the transfer destination information from the financial server 200 is the same as the process in FIG. 4 of the first embodiment, the description thereof is omitted (steps S13 to S19). Also, in the ATM 300 of the present embodiment, the warning screen as shown in FIG. 3 may be displayed as in the first embodiment (see FIG. 5).

  As described above, in the ATM 100 according to the second embodiment, when cash is withdrawn and cash is continuously transferred, the user detected when the cash is withdrawn is transferred by the user. If it is determined that the user is the same person as the user detected at the time of payment, the user is 60 years of age or older, and the name of the payee is personal, the transfer to the payee is valid By displaying on the operation display unit 110 a warning screen that prompts the user to confirm whether or not the transfer fraud has been made, it is possible to prevent a transfer fraud.

  In Embodiments 1 and 2 described above, when the name of the account at the transfer destination is a personal name, a warning screen is displayed because there is a possibility of transfer fraud, but display of an unnecessary warning screen is prevented. Therefore, if the name (surname) of the account of the user who owns the card, that is, the user who is performing the input operation, matches the name of the account at the transfer destination, Assuming that the warning screen is not displayed.

  Moreover, it is good also as a structure which displays the warning screen when the account which displays a warning screen when it becomes a transfer destination, and the account which is not displayed are registered beforehand, and the former becomes a transfer destination. In addition, when performing such registration, for example, registration may be performed depending on whether the person is an individual or a corporation, or registration may be performed based on an account number.

  In addition to the judgment based on age, etc., the transfer process is interrupted if it is an account that falls under the gray list (a list of suspicious accounts that are likely to be transfer fraud recipients). Also good.

  Moreover, when displaying the warning screen of FIG. 2, it is good also as a structure which not only displays a warning screen but notifies that there is a suspicion of a transfer fraud to a bank employee etc. FIG.

  Furthermore, when there is a possibility of bank transfer fraud, the user displays a warning screen as shown in FIG. 2 for confirming the legitimacy of the transfer, and the user and the administrator (banker or operator) The process of displaying a warning screen as shown in FIG. For example, the processing of displaying the warning screen of FIG. 3 that can be handled by the manager during business hours of a manned store is used, and the processing of displaying the warning screen of FIG. Conceivable.

  In addition, the age information may not be held by a financial server owned by the bank, but may be separately provided and acquired from the server. Or you may comprise so that age information may be written in a user's card and age information may be read from a user's card with a card reader.

  In this embodiment, when the presence of a user is detected continuously by an interpersonal sensor at the time of cash withdrawal and at the time of cash transfer, the user at the time of cash withdrawal and the user at the time of cash transfer Are determined to be the same person, but the determination of the same person is not limited to this. For example, instead of an interpersonal sensor, an imaging means such as an imaging camera is provided, and the user who withdraws cash by analyzing the captured image is the same person as the user who transfers the cash. It may be configured to determine whether or not.

It is a block diagram which shows the structure of ATM concerning Embodiment 1. FIG. It is explanatory drawing which shows an example of the warning screen displayed on the operation display part. It is explanatory drawing which shows another example of the warning screen displayed on the operation display part. 3 is a flowchart showing a procedure of a transfer confirmation process in the ATM 100 according to the first embodiment. 3 is a flowchart showing a procedure of a transfer confirmation process in the ATM 100 according to the first embodiment. It is a block diagram which shows the structure of ATM concerning Embodiment 2. FIG. It is a flowchart which shows the procedure of the transfer confirmation process in ATM300 concerning Embodiment 2. FIG.

Explanation of symbols

100, 300 ATM
DESCRIPTION OF SYMBOLS 101 Input reception part 102 Display control part 103 Transfer processing part 104 Age determination part 105 Account determination part 106,306 Communication part 307 Person collation part 110 Operation display part 112 Card reader 313 Person sensor 200 Financial server

Claims (7)

In an automatic teller machine that deposits and withdraws cash,
An operation display unit that displays information and receives various input operations from the user;
An information reading unit for reading user identification information unique to the user from the information storage medium;
An input acceptance means for accepting input of bank account information indicating the bank account of the bank account from the user;
The read user identification information and the received transfer account information are transmitted to a financial server connected to a network and providing information on cash deposits, and the age related to the user's age corresponding to the user identification information Information, and communication means for receiving transfer destination information, which is transfer destination information corresponding to the transfer destination account information, from the financial server;
A transfer processing means for performing a transfer process to a transfer destination indicated by the received transfer destination account information;
Age determination means for determining whether the age of the user satisfies a predetermined age condition based on the age information;
Account determination means for determining whether or not the name of the transfer destination is a personal name from the transfer destination information;
A warning screen that prompts confirmation of whether or not the transfer to the transfer destination is valid when the age of the user meets the predetermined age condition and the name of the transfer destination is an individual name, Warning means to be displayed on the operation display section;
An automatic teller machine characterized by comprising: Detection means for detecting a user;
A user verification unit that determines whether the user detected at the time of cash withdrawal and the user detected at the time of cash transfer are the same person;
The communication means further determines that the user detected when the cash is withdrawn and the user detected when the cash is transferred are the same person by the person verification means. In this case, the user identification information at the time of cash withdrawal and the transfer destination account information at the time of cash transfer are transmitted to the financial server, and the age information and the transfer destination information are transmitted from the financial server. The automatic teller machine according to claim 1, wherein the cash dispenser is received.   When the user is continuously detected by the detecting means between the cash withdrawal time and the cash transfer time, the person verification means is a user detected at the time of cash withdrawal, The automatic teller machine according to claim 2, wherein it is determined that the user detected at the time of cash transfer is the same person. The input receiving means receives from the warning screen an input of a continuation instruction to continue the transfer process or an input of a suspend instruction to interrupt the transfer process,
The transfer process means performs the transfer process when the continuation instruction is received, and interrupts the transfer process when the interruption instruction is received. Automatic teller machine listed.   The transfer processing means interrupts the transfer process when the warning screen is displayed, and after the transfer process is interrupted, the interruption of the transfer process is canceled by an administrator who manages the automatic teller machine. In the case, the automatic transfer machine according to any one of claims 1 to 3, wherein the transfer process is resumed.   The automatic teller machine according to any one of claims 1 to 5, wherein the predetermined age condition is that a user's age is not less than a predetermined age. A transfer confirmation method executed by an automatic teller machine for depositing and withdrawing cash,
The automatic teller machine is
An operation display unit that displays information and receives various input operations from the user;
An information reading unit that reads user identification information unique to the user from the information storage medium,
A step of receiving input of bank account information indicating the bank account of the bank account from the user;
The communication means transmits the read user identification information and the received transfer destination account information to a financial server that is connected to the network and provides information relating to cash deposit, and corresponds to the user identification information Receiving, from the financial server, the age information related to the age of the bank account, and the bank account information that is the bank account information corresponding to the bank account information;
A step in which the transfer processing means performs a transfer process to the transfer destination indicated by the received transfer destination account information;
A step of determining whether or not the age of the user satisfies a predetermined age condition based on the age information;
Account determining means, by the transfer destination information, determining whether the name of the transfer destination is a personal name,
A warning means prompting confirmation of whether or not the transfer to the transfer destination is valid when the age of the user meets the predetermined age condition and the transfer destination is a personal name Displaying a screen on the operation display unit;
The transfer confirmation method characterized by including.

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