JP2010117892A - Automatic transaction device and transfer processing method thereof - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction device for making it difficult for a criminal of a billing fraud to perform operation guidance via a cellular phone. <P>SOLUTION: The automatic transaction device which is operated by an operator to perform a transfer transaction has a customer-operated display screen for entering transfer transaction information according to a transaction screen, and controls so as to randomly switch the order of displaying transaction screens on the customer-operated display screen for each transaction. In addition, when displaying selection items on the transfer transaction information, the positions for displaying the same are controlled so as to be switched for each transaction. Moreover, on a final confirmation screen, a transaction content which is actually performed by the operator who is guided by a third party is displayed along with a transaction content which the operator is made to believe by the third party. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution or the like.

  2. Description of the Related Art Conventionally, an automatic transaction apparatus installed in a financial institution or the like can perform a transfer transaction in which a transfer is made to another account in the financial institution or another financial institution. However, in recent years, transfer fraud using such transfer transactions has been rampant, and this has become a social problem. In order to prevent such transfer fraud, various techniques have been developed. Japanese Patent Laid-Open No. 2007-18295 (Patent Document 1) estimates an account that is considered to be used for bank transfer fraud from a history of transactions made in the past, and displays a warning on a terminal that transfers money to the account To do. Similarly, Japanese Patent Laid-Open No. 2006-302221 (Patent Document 2) estimates an account that seems to be used for fraud from its transaction history, and prohibits withdrawal from the account, It is intended to prevent cash from passing to the criminal.

Many of the techniques for preventing wire fraud in such an automatic transaction apparatus try to prevent transfer transactions by detecting anomalies from the transaction history of the bank account of the transfer destination. In particular, for the operator, a warning message is actively displayed on the menu screen, and an attempt is made to prevent unauthorized transactions by appealing to the operator.
JP 2007-18295 A JP 2006-302221 A

  However, there are diversified forms of fraud due to wire fraud, that is, the method of making money transfer. Of these, it is not necessary to display a warning message on the menu screen of the automatic transaction device in the manner of so-called “refund fraud”. I can't deal with it.

  The reasons are as follows: (1) The operating procedure when transferring money from an automatic transaction device is standardized. You can give an instruction like "Press the button." Therefore, it is easy for the fool side to guide the operation through the mobile phone. (2) There is an error that an operation to transfer money to his / her account for the purpose of receiving a refund is actually an operation to transfer money from his / her account to another person's account. There is not enough ingenuity to notice it. Therefore, the person who makes the transfer must guide the word skillfully, operate the automatic transaction apparatus so as not to recall what will be executed in the actual transaction, and transfer a large amount of money from the operator's account to the specified account. There was a problem of being able to.

  The problem to be solved by the present invention is to provide an automatic transaction apparatus in which it is difficult to guide an operation by a mobile phone or the like from a transfer fraud criminals in a transfer transaction of an automatic transaction apparatus. Also, in the automatic transaction device transfer transaction, the transaction actually performed by the operator (transaction transferred from the operator's account to the account specified by the criminal) is the transaction intended by the operator (refund to the operator's account) It is an object of the present invention to provide an automatic transaction apparatus that makes it easy to realize that the transaction is not a transaction.

  In order to solve the above-mentioned problem, the invention according to claim 1 has a customer operation display unit for inputting information necessary for a financial transaction in accordance with a transaction screen in an automatic transaction apparatus operated by an operator to perform a financial transaction. The automatic transaction apparatus further includes a control unit that controls to switch the order of displaying the transaction screen on the customer operation display unit for each transaction.

  The invention described in claim 2 is a customer operation display unit that displays a selection item that enables selection of information necessary for a financial transaction in an automatic transaction apparatus that is operated by an operator to perform a financial transaction. An automatic transaction apparatus comprising: a control unit that performs processing according to a selection item; and wherein the control unit is configured to switch a position for displaying the selection item on the customer operation display unit for each transaction. It is.

  According to a sixth aspect of the present invention, there is provided a customer operation display unit for displaying an input confirmation screen for confirming input of information required for a transfer transaction in an automatic transaction apparatus operated by an operator to perform a transfer transaction; The control unit controls the display of the input confirmation screen displayed on the operation display unit, and performs a transfer process according to the confirmation operation on the input confirmation screen. Further, the control unit displays the input confirmation displayed on the customer operation display unit. The screen is an automatic transaction apparatus characterized in that it is the content of the transaction that the operator actually performs and the content of the transaction that is assumed by the third party.

  According to the present invention, it is possible to provide an automatic transaction apparatus in which it is difficult to guide an operation by a mobile phone or the like from a criminal side in a transfer transaction of the automatic transaction apparatus. Moreover, the automatic transaction apparatus which makes it easy to notice that the transaction actually performed by the operator is not the transaction intended by the operator in the transfer transaction of the automatic transaction apparatus can be provided.

(First embodiment)
A first embodiment of the present invention will be described below with reference to the drawings. FIG. 2 is an external view of an automatic transaction apparatus (hereinafter referred to as ATM) 1 according to the first embodiment. ATM1 is installed in financial institutions such as banks, convenience stores, etc., and can perform deposit and withdrawal transactions and transfer transactions. The ATM 1 has a banknote insertion / return port 2 for inserting or returning banknotes to the operator in the deposit / withdrawal transaction. In transactions in which banknotes are inserted, such as deposit transactions, when an operator sets a banknote in the banknote insertion / return port 2, the ATM 1 automatically counts it and takes it into the apparatus. In transactions in which banknotes such as payment transactions are paid out to the operator, the ATM 1 automatically counts the banknotes and sets the banknote insertion / return port 2 so that the operator can take out the banknotes. Similarly, the ATM 1 has a coin insertion / return port 3 for inserting or returning coins. In a transaction in which a coin such as a deposit transaction is inserted into the ATM 1, when the operator sets a coin in the coin insertion / return port 3, the ATM 1 automatically counts it and takes it in. In a transaction such as a payment transaction in which a coin is paid out to an operator, the ATM 1 automatically counts the coin and sets it in the coin insertion / return port 3 so that the operator can take it out.

  Furthermore, ATM1 has the card insertion slot 4 which enables insertion of the cash card which is an operator identification card. The cash card stores operator information for identifying the operator, such as a bank name, a branch name, an account type, and an account number, which will be described later. Moreover, ATM1 has the passbook insertion port 6 which inserts the said passbook at the time of a transaction with a passbook entry. Furthermore, ATM1 has the customer operation display screen 7 for an operator to enable transaction operation. The customer operation display screen 7 displays a transaction guidance message for an operator to perform a transaction operation, and thus has a touch panel function. The operator can input an operation by pressing the customer operation display screen 7.

  FIG. 1 is a block diagram of the ATM 1 relating to the first embodiment. A control unit 10 controls each part of the ATM 1. The control unit 10 is connected to a storage unit 11 composed of a RAM, a ROM, a hard disk, or the like. The control unit 10 operates according to a control program stored in the storage unit 11. Moreover, the control part 10 can write the data required for each process in the memory | storage part 11, and can read from the memory | storage part 11 as needed. Further, the control unit 10 is connected to a host computer (not shown) via the communication unit 18 and exchanges information related to the transfer.

  Reference numeral 12 denotes a banknote deposit / withdrawal unit for processing banknotes, and an operator verifies, counts, transports, and stores the banknotes inserted from the banknote insertion / return port 2 in a denomination-type cassette unit (not shown). To do. Furthermore, the banknote paid to the operator is fed out from the denominated cassette section and set in the banknote insertion / return port 2. Reference numeral 13 denotes a coin deposit / withdrawal unit for processing coins, and the operator authenticates, counts, conveys, and stores the coins inserted from the coin insertion / return port 3 in a denomination cassette unit (not shown). Alternatively, coins paid to the operator are fed out from the denominated cassette unit and set in the coin insertion / return port 3.

  A card read / write unit 14 reads information on the cash card inserted by the operator from the card insertion slot 4 and ejects it from the card insertion slot 4 at the end of the transaction and returns it to the operator. Reference numeral 15 denotes a receipt printing unit for issuing a receipt issued to the operator. The receipt printing unit 15 prints the transaction details, and discharges the receipt from the card insertion slot 4 at the end of the transaction. Reference numeral 16 denotes a passbook printing unit which prints transaction contents on a passbook inserted by the operator from the passbook insertion slot 6, discharges the passbook from the passbook insertion slot 6, and returns it to the operator.

  Reference numeral 17 denotes an operation display unit for an operator's transaction operation. The operation display unit 17 displays on the customer operation display screen 7 a transaction guide screen for the operator to perform a transaction operation, and acquires input data from the operator's input operation. The operator input data is sent to the control unit 10 for processing. The operation display unit 17 switches and displays various menu screens according to instructions from the control unit 10.

  FIG. 3 is a functional block diagram showing functions of the control unit 10 relating to the first embodiment. The control unit 10 operates according to a control program stored in the storage unit 11. In the figure, the transaction selection processing unit 21 causes the operator to select any one of a deposit transaction, a withdrawal transaction, a transfer transaction, a balance inquiry, a passbook entry, and a cashing transaction. The transaction selection processing unit 21 displays a transaction selection screen based on the control of the transaction control unit 20, and moves to the next screen when the operator selects a transfer transaction.

  The transaction flow generation unit 22 determines a display order (that is, transaction flow) of an interactive transfer information input menu screen for acquiring transfer information (information necessary for the transfer transaction) described later in the transfer transaction. The display order of the transfer information input menu screen is randomly changed for each transaction. The display order of the determined transfer information input menu screen is stored in the storage unit 11 based on the control of the transaction control unit 20. The transaction information input processing unit 23 displays the transfer information input menu screen on the customer operation display screen 7 according to the display order of the transfer information input menu screen stored in the storage unit 11 and prompts the operator to input. Various transfer information input by the operator is processed by the transaction information input processing unit 23 and stored in the storage unit 11 based on the control of the transaction control unit 20. The transfer process execution unit 24 performs a transfer process based on the transfer information stored in the storage unit 11.

  Next, the operation related to the first embodiment will be described. FIG. 4 is a flowchart showing an operation relating to the first embodiment. The operation display unit 17 displays a transaction selection screen (not shown) on the customer operation display screen 7 so that various transactions such as deposit transaction, withdrawal transaction, transfer transaction, balance inquiry, passbook entry, and cashing can be selected. . The operator selects “transfer transaction” from various transactions displayed on the customer operation display screen 7. The control unit 10 controls the operation display unit 17 to confirm that the operator has selected “transfer transaction” (S101).

  By the transfer transaction selection, the control unit 10 controls the operation display unit 17 to shift the customer operation display screen 7 to a screen for selecting whether to transfer by cash card or cash (S102). When cash is selected here, processing different from the present embodiment is performed.

  When transfer by cash card is selected in step 102, the control unit 10 controls the operation display unit 17 to display a screen for selecting whether or not to transfer to a registration destination (S103). Here, when the transfer to the registration destination is selected, the normal processing flow is performed.

  When the transfer to a place other than the registration destination (new) is selected in step 103, the control unit 10 determines the display order (that is, transaction flow) of the interactive menu screen for acquiring the transfer information (S104). The display order of the transfer information input menu screen is determined by switching at random for each transaction.

  The display order of the transfer information input menu screen is the order in which the transfer information 31 to 35 shown in FIG. 5 is acquired (that is, transaction flow). FIG. 5 is an explanatory diagram showing each item of the transfer information. The transfer source account information 31, the transfer destination account information 32, the transfer amount 33, the cash card PIN 34, and the transfer person name information 35 are transfer information, that is, information necessary for the transfer transaction. The transfer source account information 31 includes transfer source account data of a bank name 31-1, a branch name 31-2, an account type 31-3, and an account number 31-4. Similarly, the bank account information 32 includes bank account data of bank name 32-1, branch name 32-2, account type 32-3, and account number 32-4. In normal ATM1, the order of acquiring the transfer information 31 to 35 is fixed in one or several ways, but in the present embodiment, the order of acquisition is randomly switched for each transaction and set. , The transfer information input menu screen is changed.

  Here, the transfer source account information 31 shown in FIG. 5 can be obtained from the cash card inserted into the card insertion slot 4 by the operator of the ATM 1. On the other hand, the transfer account information 32, the transfer amount 33, the personal identification number 34, and the transfer person name information 35 must be obtained from information input by the ATM 1 operator from the interactive transfer information input menu screen.

  Each information input from the interactive transfer information input menu screen must be obtained by interactive input from the operator using a menu screen as shown in FIG. 6, for example. FIG. 6 is an explanatory diagram showing an example of a password input menu screen. These transfer information input menu screens store information corresponding to the transfer information 32 to 35 and the transfer destination account data 32-1 to 32-4 shown in FIG. In the figure, 34-2 is a display screen for confirming the password input number, 36 is a numeric keypad, 37 is a confirmation button, 38 is a correction button, and 39 is a cancel button.

  FIG. 7 is an explanatory diagram showing a transfer information input menu screen group related to the transfer information 32 to 35. The bank account information input menu screen group 41 is an input menu screen for acquiring the bank account information 32. The transfer amount input menu screen group 42 is an input menu screen for acquiring the transfer amount 33. The personal identification number input menu screen group 43 is an input menu screen for acquiring the personal identification number 34, and the transfer person information input menu screen 44 is an input menu screen for acquiring the transfer person name information 35. Thus, it has the menu screen group corresponding to the said transfer information 32-35. Here, the “menu screen group” means that this is not a single menu screen but a plurality of menu screens are hierarchical.

  Returning to FIG. 4, the display order of the transfer information input menu screen determined in step 104 is, for example, in the case of a certain transaction, PIN 34 → transferr name information 35 → transfer source account information 31 → transfer account information 32 → In the order of transfer amount 33, in the case of another transaction, transfer name information 35 → transfer source account information 31 → transfer destination account information 32 → password 34 → transfer amount 33. Thus, the control part 10 switches and determines at random for every transaction.

  The control unit 10 controls the storage unit 11 and temporarily stores the order determined in step 104 in the storage unit 11. At this time, the transfer destination account data 32-1 to 32-4 is a highly relevant group, and if it is mixed with the other transfer information 31, 33 to 35 and displayed, the operator is confused. Therefore, the transfer destination account data 32-1 to 32-4 must be a series as an input order. Therefore, the storage unit 11 stores the transfer destination account data 32-1 to 32-4 and the order of the other transfer information 31, 33 to 35 separately.

  Next, the control unit 10 sequentially calls the menu screens 41 to 44 corresponding to the transfer information 32 to 35 from the storage unit 11 in accordance with the display order of the menu screen determined in step 104, and displays the operation display. The information is displayed on the customer operation display screen 7 via the unit 17. Thereby, information required for the transfer transaction is input from the customer operation display screen 7. On the other hand, the control unit 10 reads and acquires the transfer source account information 31 from the card read / write unit 14. In this way, the control unit 10 stores the input data relating to the acquired transfer information 31 to 35 in the storage unit 11 (S105).

  In addition, when calling the menu screen corresponding to the transfer destination account information 32, the control part 10 respond | corresponds according to the display order of the menu screen of the transfer destination account data 32-1 to 32-4 produced | generated at step 104. Corresponding menu screens are sequentially called from the pre-account information input menu screen group 41 and displayed on the customer operation display screen 7. Input data related to the acquired bank account data 32-1 to 32-4 is stored in the storage unit 11.

  After acquiring the whole data, the control unit 10 displays the transaction content on a screen as shown in FIG. 8, for example, based on the acquired data, and prompts the operator to confirm (S106). FIG. 8 is an explanatory diagram showing an example of a confirmation menu screen for bank account information. The control unit 10 controls the operation display unit 17, and as a transaction content confirmation screen on the customer operation display screen 7, the bank name 32-1, the branch name 32-2, and the account type 32-3 of the transfer destination account information 32. The account number 32-4 is displayed, and a confirmation button 37, a correction button 38, and a cancel button 39 are further displayed. When the operator presses the confirmation button 37 shown in FIG. 8, the transfer process is executed and the transfer is actually performed (S107). When the correction button 38 is pressed, a correction screen (not shown) is displayed, and when the cancel button 39 is pressed, the screen returns to a predetermined screen.

  As described above, according to the first embodiment, by providing a control unit that performs transaction flow generation that determines the display order of the menu screen for acquiring transfer information at random for each transaction, The operation order instructed over the telephone without looking at the screen and the operation order for actually looking at the screen can be made different. This provides an opportunity for the actual operator to judge the anomaly of the transaction and prevent the execution of refund fraud. In addition, in the case of a normal transfer such as making a transfer to a bank account that has already been registered, you can always operate with a fixed transaction flow. The (good faith user) can perform a typical screen operation and can use the transfer process without taking extra time. Therefore, refund fraud can be prevented.

(Second Embodiment)
Next, a second embodiment will be described. The same components as those described in the first embodiment are denoted by the same reference numerals. FIG. 9 is a block diagram of ATM1 relating to the second embodiment. In the configuration of the ATM 1 relating to the second embodiment, a menu information storage unit 52 is added to the first embodiment.

  Reference numeral 50 denotes a control unit that controls each part of the ATM 1. The control unit 50 is connected to a storage unit 51 composed of a RAM, a ROM, a hard disk, or the like. The control unit 50 operates according to a control program stored in the storage unit 51. Further, the control unit 50 can write data necessary for each process in the storage unit 51 and can read out from the storage unit 51 as necessary.

  Further, the ATM 1 is connected to the menu information storage unit 52 in which data concerning various menu screen layouts and buttons indicating selection items on the screen are stored. The menu information storage unit 52 stores data (layout pattern, button characters, etc.) necessary to display various menu screens such as a transaction selection menu screen, a transfer information input menu screen, and a final confirmation menu screen described later. Has been. These data are used to generate and display various menu screens. Reference numeral 17 denotes an operation display unit for an operator's transaction operation. The operation display unit 17 displays on the customer operation display screen 7 a transaction guide screen for the operator to perform a transaction operation, and acquires input data from the operator's input operation. The operator input data is sent to the control unit 50 for processing. The operation display unit 17 switches and displays various menu screens according to instructions from the control unit 50.

  FIG. 10 is a functional block diagram illustrating functions of the control unit 50 according to the second embodiment. The control unit 50 operates according to a control program stored in the storage unit 51, and generates and displays a menu screen from data relating to various menu screens stored in the menu information storage unit 52.

  The transaction selection layout pattern generation unit 61 is a selection item on the transaction selection menu screen for allowing the operator to select which transaction is a deposit transaction, a withdrawal transaction, a transfer transaction, a balance inquiry, a passbook entry, or a cashing transaction. Determine the layout of the buttons that indicate The layout of buttons on the transaction selection menu screen is determined by switching at random for each transaction, and the determined transaction selection menu screen is stored in the menu information storage unit 52. The transaction selection button character generation unit 62 determines a character string to be displayed on a button on the transaction selection menu screen, that is, a function when the button is pressed. The character string of the button on the transaction selection menu screen is determined by switching at random for each transaction, and the determined character string of the button is stored in the menu information storage unit 52. The transaction selection menu display unit 63 displays the customer operation display screen 7 via the operation display unit 17 based on the control of the transaction control unit 60 based on the button layout and character string data on the transaction selection menu screen. Display the transaction selection menu screen. When the operator selects a transfer transaction, data is transmitted to the transaction control unit 60.

  The transaction flow generation / information input unit 64 determines the display order (that is, transaction flow) of an interactive transfer information input menu screen for acquiring transfer information (information necessary for the transfer transaction) described later in the transfer transaction. . For example, in the case of a certain transaction, the display order of the transfer information input menu screen is as follows: PIN 34 → transfer name information 35 → transfer source account information 31 → transfer account information 32 → transfer amount 33. In this case, the order is different. The display order of the transfer information input menu screen is determined at random for each transaction. The determined display order of the transfer information input menu screen is stored in the menu information storage unit 52 based on the control of the transaction control unit 20. Further, the transaction flow generation / information input unit 64 displays a transfer information input menu screen on the customer operation display screen 7 and accepts the input of the operator's transfer information. The input transfer information is stored in the storage unit 51.

  The confirmation button character generation unit 65 determines the button character string on the confirmation menu screen of the transfer information input by the operator, that is, the function when the button is pressed. That is, the character string to be displayed on the button is randomly switched for each transaction from the agreed character string group of “processing approval”, “correction of input data”, and “cancellation of transaction itself”. The determined button character string for input confirmation is stored in the menu information storage unit 52 based on the control of the transaction control unit 20.

  The confirmation information input unit 66 displays the transfer information input by the operator on the customer operation display screen 7 together with the button character string for input confirmation determined by the confirmation button character generation unit 65. Prompt for confirmation.

  The final confirmation layout pattern generation unit 67 determines a final confirmation layout pattern for final confirmation of transaction contents. The determined final confirmation layout pattern is stored in the menu information storage unit 52 based on the control of the transaction control unit 20. The final confirmation button character generation unit 68 displays a character string to be displayed on each button of the final confirmation layout pattern selected by the final confirmation layout pattern generation unit 67, that is, a function when the button is pressed for each transaction. Randomly switch and select. The determined character string to be displayed on each button is stored in the menu information storage unit 52 based on the control of the transaction control unit 20. The final confirmation menu display unit 69 displays a final confirmation menu screen on the customer operation display screen 7 based on the final confirmation layout pattern and data relating to the character string stored in the storage unit 51 and the menu information storage unit 52. And prompt the operator to confirm the transfer information. The confirmed transfer information is stored in the storage unit 51. The transfer process execution unit 24 performs a transfer process based on the transfer information stored in the storage unit 51.

  Next, an operation related to the second embodiment will be described. FIG. 11 is a flowchart showing an operation relating to the second embodiment. When the operator touches the customer operation display screen 7 of ATM1, the process is started. The control unit 50 determines the layout pattern of the menu screen for transaction selection. 12 and 13 are explanatory diagrams showing a transaction selection menu screen. The menu information storage unit 52 stores layout patterns of a plurality of transaction selection menu screens having different transaction button layouts.

Although characters are illustrated in FIGS. 12A to 12D and FIGS. 13E to 13H, the stored layout pattern is only the button layout pattern, and there is no character yet. . In the layout of FIG. 12A, three buttons are arranged one above the other. In the layout of FIG. 5B, three buttons are arranged at the upper left and the lower right. In the layout of FIG. 3C, three buttons are arranged at the lower left and upper right. In the layout of FIG. 4D, three buttons are arranged on the left side and the right side. In the layout of FIG. 13E, two buttons are arranged on the left side and four buttons on the right side. In the layout of FIG. 5F, three buttons are arranged obliquely from the upper left to the lower center and from the upper to the lower right. In the layout of FIG. 5G, six buttons are arranged obliquely from substantially upper left to substantially lower right. In the layout of FIG. 5H, four buttons are arranged at the left and right ends of the upper stage and four buttons at the lower stage. The control unit 50 selects a menu number (for example, No. 1) determined by randomly changing from transaction to transaction, and stores it in the menu information storage unit 52 (S201).

  When determining the menu number (for example, No. 1) in the layout pattern of the transaction selection menu screen, the control unit 50 determines the character string to be displayed next on the button of the transaction selection menu screen. That is, the definition of the button on the transaction selection menu screen is performed. Specifically, there are six transaction items of “cashing”, “passbook entry”, “deposit”, “transfer”, “withdrawal”, and “inquiry balance”, and these are the transaction selection menus selected in step 201 above. The menu information storage unit 52 stores the association of which character to display on the button of the transaction selection menu on the screen. For example, in the transaction selection menu screen of the menu number (No. 1), cashing 45, passbook entry 26 and deposit 9 are defined in the upper row, and transfer 5, withdrawal 8 and balance inquiry 25 are defined in the lower row. This character string is randomly switched for each transaction (S202).

  Based on the data stored in Step 201 and Step 202, for example, a transaction selection menu screen (No. 1) shown in FIG. 12A is displayed (S203). When a button on the transaction selection menu screen is pressed, the process assigned to each button is checked from the control unit 50 by comparing with the association data with the button on the transaction selection menu screen stored in the menu information storage unit 52. Follow the instructions. If the pressed button on the transaction selection menu screen is the transfer button 5, the control unit 50 controls the operation display unit 17 and confirms that the operator has selected “transfer transaction” (S204).

  The above is the flow until the button layout display, button character string display, and transfer transaction are selected in the transaction selection menu. Next, by the transfer transaction selection, the control unit 50 controls the operation display unit 17 to shift the customer operation display screen 7 to a screen for selecting whether the transfer is by cash card or cash (S205). When cash is selected here, processing different from the present embodiment is performed.

  If transfer by cash card is selected in step 205, the control unit 50 controls the operation display unit 17 to display a screen for selecting whether or not to transfer to a registration destination (S206). Here, when the transfer to the registration destination is selected, the normal processing flow is performed.

  When the new transfer is selected in step 206, the control unit 50 determines the display order (that is, transaction flow) of the transfer information input menu screen for acquiring the transfer information. The control unit 50 determines the display order of the transfer information input menu screen by switching at random for each transaction. The determined display order of the transfer information input menu screen is stored in the menu information storage unit 52.

  The display order of the transfer information input menu screen is the order in which the transfer information 31 to 35 shown in FIG. 5 is acquired as in the first embodiment. Each information input from the transfer information input menu screen is input by the operator interactively using, for example, a password input menu screen as shown in FIG. 6 as in the first embodiment. Moreover, the relationship between the said transfer information 32-35 and the said transfer information input menu screen is the same as that of the said 1st Embodiment.

  Next, the control unit 50 sequentially calls the menu screens 41 to 44 corresponding to the transfer information 32 to 35 from the menu information storage unit 52 according to the determined transfer information input menu screen display order, The information is displayed on the customer operation display screen 7 via the operation display unit 17. Thereby, information required for the transfer transaction is input from the customer operation display screen 7. Further, the transfer source account information 31 is read from the card read / write unit 14 and acquired. The input data relating to the acquired transfer information 31 to 35 is stored in the storage unit 51 (S207).

  Next, the control part 50 determines the button character string of the confirmation menu screen of the transfer information input by the operator. That is, the character string to be displayed on the button is determined from the character string group of the agreement of “processing approval”, “correction of input data”, and “cancel transaction itself”. The character string is determined at random for each transaction. The determined button character string for input confirmation is stored in the menu information storage unit 52 (S208).

  FIG. 14 is an explanatory diagram showing a confirmation menu screen for the bank account information 32. In the figure, the bank name 32-1, the branch name 32-2, the account type 32-3, the account number 32-4, the confirmation button 37, the correction button 38, and the cancel button of the transfer account information 32 input by the operator. 39 is displayed. These are six patterns A to F having different arrangements of the confirmation button 37, the correction button 38, and the cancel button 39 in the bank account information 32, and are stored in the menu information storage unit 52. The control unit 50 determines one of the patterns A to F and stores the pattern numbers 1 to 6 in the menu information storage unit 52. The patterns A to F are determined by switching at random for each transaction. Moreover, the character string displayed on the button of the confirmation menu screen of each pattern AF is not fixed as shown below.

  FIG. 15 is an explanatory diagram showing character string groups displayed on the buttons of the confirmation menu screen. The character string group 37-1 for approval includes “confirmation, approval, OK, proceed”. The character string group 38-1 for partial correction includes “correction, correction, and redo”. Furthermore, the character string group 39-1 for interrupting the processing includes “cancel, cancel, stop”, and these groups include characters having the same meaning. A character string group as shown in the figure is stored in the menu information storage unit 52 in advance, and the control unit 50 determines one by switching from each group at random for each transaction. The selected character string is stored in the storage unit 51 together with data indicating the menu pattern.

  Next, the transfer information input by the operator is displayed on the customer operation display screen 7 to prompt the operator to confirm (S209). When the confirmation button is pressed by the operator, the process proceeds to the next final confirmation step. When the correction button is pressed or when the cancel button is pressed, the process is repeated (not shown).

  In step 209, when the confirmation button is pressed, the control unit 50 determines a final confirmation layout pattern for finally confirming the transaction contents to the operator. FIG. 16 is an explanatory diagram showing a final confirmation layout pattern. The final confirmation layout pattern is used for final confirmation of the contents of the transfer transaction, and four types are stored in the menu information storage unit 52 in advance. The control unit 50 selects one randomly from each transaction, and stores the menu number (for example, No. 1 in FIG. 5A) in the storage unit 51 (S210).

  Next, the control unit 50 determines a character string to be displayed on each button A to C of the final confirmation layout pattern (No. 1) selected in step 210. For example, Button A is “Transfer 100,000 yen from XX bank XX branch of customer's card account to △△ bank □□ branch of designated account.” Button B is “Transfer 100,000 yen from △△ Bank □□ branch of designated account to XX bank XX branch of customer's card account”. Further, the button C is “Cancel transaction”. The character strings displayed on the buttons A to C are randomly switched for each transaction. The character strings A to C are created based on the data (the bank / branch name of the transfer source, the bank / branch name of the transfer destination, and the transfer amount) input in step 209 and stored in the storage unit 51. (S211).

  Here, the character string A is a transaction that the operator is actually guided by the criminal (that is, a transaction that the criminal side is trying to guide the operator, in other words, the criminal designation from the operator's account) Transaction). The character string of B is a transaction that the operator thinks on the criminal side (that is, a transaction intended by the operator, in other words, a transaction for receiving a refund to the operator's account). The character string “C” is used to cancel the transaction itself.

  Finally, the control unit 50 displays a final confirmation menu screen based on the data stored in the storage unit 51 (S212). Only when the button to which the character string A is assigned is pressed, the process proceeds to the transfer process execution step (S214), and the actual transfer process is executed. If any other button (B or C) is pressed, the transaction is stopped.

  As described above, according to the second embodiment, in the transfer transaction, the button layout and the character string on the transaction selection menu screen, the confirmation menu screen, and the final confirmation menu screen are randomly switched for each transaction and determined. By providing a control unit, the position of the button that must be pressed in the transaction procedure changes from transaction to transaction, so it seems as if you are looking at the screen that the actual operator is viewing over the phone. It is difficult to guide to the site, and it is possible to prevent a relatively easy guide to prevent you from being aware of the actual transaction content, such as “Please press the second button from the top on the next screen”. .

  In addition, the transaction content that the operator is guided to by the criminal (that is, the transaction that is transferred from the operator's account to the account designated by the criminal) and the transaction content that is assumed by the criminal (that is, the transaction) By displaying a final confirmation menu screen for confirming the transaction by receiving the refund to the operator's account, it is possible to easily notice the operator's operation error. Furthermore, by randomly switching the layout and character strings of these buttons for each transaction, it is possible for the operator to make it difficult to press the buttons without reading the display content, and to make the criminal side difficult to guide. Can do. Therefore, refund fraud can be prevented.

It is a block diagram of ATM regarding 1st Embodiment. It is an external view of ATM regarding 1st Embodiment. It is a functional block diagram which shows the function of the control part regarding 1st Embodiment. It is a flowchart which shows the operation | movement regarding 1st Embodiment. It is explanatory drawing which shows each item of transfer information. It is explanatory drawing which shows an example of a PIN code input menu screen. It is explanatory drawing which shows the transfer information input menu screen group. It is explanatory drawing which shows an example of the confirmation menu screen of the transfer account information regarding 1st Embodiment. It is a block diagram of ATM regarding 2nd Embodiment. It is a functional block diagram which shows the function of the control part regarding 2nd Embodiment. It is a flowchart which shows the operation | movement regarding 2nd Embodiment. It is explanatory drawing which shows the transaction selection menu screen regarding 2nd Embodiment. It is explanatory drawing which similarly shows a transaction selection menu screen. It is explanatory drawing which shows the confirmation menu screen of the transfer account information regarding 2nd Embodiment. It is explanatory drawing which shows the character string group displayed on the button of the confirmation menu screen regarding 2nd Embodiment. It is explanatory drawing which shows the layout pattern for final confirmation regarding 2nd Embodiment.

Explanation of symbols

1 ATM
7 Customer operation display screen 10, 50 Control unit 11, 51 Storage unit 17 Operation display unit 52 Menu information storage unit

Claims (14)

In an automatic transaction apparatus that is operated by an operator to perform financial transactions,
It has a customer operation display unit that inputs information necessary for financial transactions according to the transaction screen,
Furthermore, the automatic transaction apparatus characterized by having a control part which controls so that the order which displays a transaction screen on the said customer operation display part may be switched for every transaction. In an automatic transaction apparatus that is operated by an operator to perform financial transactions,
A customer operation display unit that displays selection items that enable selection and operation of information necessary for financial transactions;
A control unit that performs processing according to the selected selection item;
Furthermore, the said control part is controlled to switch the position which displays the said selection item on the said customer operation display part for every transaction, The automatic transaction apparatus characterized by the above-mentioned.   The automatic transaction apparatus according to claim 1, wherein the financial transaction is a transfer transaction.   2. The automatic transaction apparatus according to claim 1, wherein the information necessary for the financial transaction is new information relating to a transfer destination of the transfer transaction.   3. The automatic transaction apparatus according to claim 1, wherein the control that the control unit switches for each transaction is a control that randomly switches for each transaction. In an automatic transaction apparatus that is operated by an operator to perform a transfer transaction,
A customer operation display unit that displays an input confirmation screen for confirming input of information necessary for the transfer transaction;
Controlling the display of the input confirmation screen displayed on the customer operation display unit, and having a control unit for performing a transfer process according to the confirmation operation of the input confirmation screen,
Furthermore, the input confirmation screen displayed on the customer operation display unit by the control unit is a transaction content actually performed by the operator and a transaction content assumed by the third party. Automatic transaction device. In the transfer processing method of the automatic transaction apparatus in which the operator operates the operation display unit to perform the transfer transaction,
A transaction selection processing step for displaying a transaction selection screen on the operation display unit and allowing the operator to select a transfer transaction;
Transaction flow generation process for determining the display order of the menu screen for acquiring information necessary for transfer transaction for each transaction,
According to the display order of the menu screen determined by the transaction flow generation step, the menu screen is displayed on the operation display unit, and the transaction information input processing step for processing the information necessary for the transfer transaction input by the operator,
The transfer processing method of the automatic transaction apparatus characterized by including the transfer process execution process which performs a transfer process based on the information required for the said transfer transaction by the said transaction information input process process.   8. The transfer processing method for an automatic transaction apparatus according to claim 7, wherein the information necessary for the transfer transaction is new information relating to a transfer destination of the transfer transaction.   The transfer processing method for an automatic transaction apparatus according to claim 7, wherein the display order of the menu screen determined in the transaction flow generation step is changed randomly for each transaction. 8. The automatic transaction apparatus transfer processing method according to claim 7, wherein the transaction selection processing step includes:
Transaction selection layout pattern generation process for determining the layout of buttons for displaying a plurality of transaction types for each transaction, and
Transaction selection button character generation step for determining the character string to be displayed on the button for each transaction,
Transfer processing of an automatic transaction apparatus, comprising: a transaction selection menu display step for displaying a transaction selection menu screen based on the transaction selection layout pattern generation step and the data determined by the transaction selection button character generation step Method.   11. The automatic transaction apparatus transfer according to claim 10, wherein the button layout determined in the transaction selection layout pattern generation step or the character string determined in the transaction selection button character generation step is randomly changed for each transaction. Processing method. In the transfer processing method of the automatic transaction apparatus in which the operator operates the operation display unit to perform the transfer transaction,
An information input process for displaying information necessary for the transfer transaction on the operation display unit and allowing the operator to input information necessary for the transfer transaction;
A layout pattern generation process for confirmation that determines the layout of buttons for displaying information for confirmation of input for each transaction, and
Button character generation process for confirmation to determine the character string to be displayed on the button for each transaction,
A transfer processing method for an automatic transaction apparatus, comprising: a confirmation menu display step for displaying a confirmation menu screen based on the data determined by the confirmation layout pattern generation step and the confirmation button character generation step .   13. The automatic transaction apparatus according to claim 12, wherein the button layout determined in the confirmation layout pattern generation step or the character string determined in the confirmation button character generation step is randomly changed for each transaction. Transfer processing method. In the automatic transaction apparatus transfer processing method according to claim 12,
The information displayed on the button in the confirmation menu display step includes details of the transaction actually performed by the operator and details of the transaction assumed by the third party by the operator. Processing method.

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