JP2010204983A - Transfer transaction system and automatic transaction apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent transfer of money to a phishing scam account and to prevent a customer, who is not aware of phishing scam, from being scammed. <P>SOLUTION: When sender's account information input by a customer from a customer operation display part is sent to a host 30 in a transfer transaction using an ATM 10, the host 30 retrieves the account registered in an account-specific phishing scam history DB 40. If information for stopping transfer transaction is registered in the transfer transaction history of the account, the host 30 transmits information on transfer transaction stop to the ATM 10, and the ATM 10 stops the transfer transaction. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a transfer transaction system and an automatic transaction apparatus for preventing continued damage of a transfer fraud.

In recent years, wire fraud targeting elderly people and the like has frequently occurred and has become a social problem.
Financial institutions take various measures to prevent customers from being struck by bank transfer fraud, especially for customers who make transactions using automatic transaction equipment, based on the transaction history of the bank account. When it is determined that there is a high possibility that the inquiry is frequently made and used for a transfer fraud, a system for displaying a message for calling attention to the transfer fraud has been proposed (for example, patent literature). 1).

JP 2007-272410 A

However, in the above-described conventional technology, the number of times the balance inquiry is used is determined based on whether or not the transaction history is likely to be used for transfer fraud from the balance inquiry usage count of the transfer destination account. If the number is small, it is judged that the possibility of being used for a transfer fraud is low, so even if the transfer account is actually used for the transfer fraud, Since the message is not displayed, there is a problem that the victim of the bank transfer fraud.
An object of the present invention is to solve such a problem.

  Therefore, the transfer transaction system of the present invention is a transfer transaction terminal provided with an input unit and a display unit, and the transfer account history information registered in the database for each customer's deposit account and used in the transfer fraud Consists of a host device having a database for registering information for stopping the transfer transaction with respect to the transfer transaction history of all deposit accounts that have been transferred to that account at the transfer transaction terminal. When performing a transfer transaction, the account information of the transfer source input from the input unit is sent to the host device, the host device searches for the corresponding account registered in the database, and the transfer transaction history of the account is transferred. When the information for stopping the transaction is registered, the transfer transaction is stopped by returning the transaction stop information to the transfer transaction terminal.

  The present invention as described above can prevent the transfer to the transfer destination account used in the transfer fraud and can prevent the transfer fraud from being damaged by the customer who is not aware of the transfer fraud. An effect is obtained.

System configuration diagram showing an embodiment of the invention The figure which shows the example of registration contents of transfer information DB classified by transfer destination account The figure which shows the registration contents example of transfer fraud account DB The figure which shows the example of registration contents of the transfer fraud damage history DB according to account Flow chart showing the operation at the time of ATM transaction Diagram showing an example of a transfer transaction stop screen Flow chart showing the operation of canceling the transfer transaction stop at the window terminal The figure which shows the example of the transfer transaction stop cancellation confirmation screen Flow chart showing the operation in the case of bank transfer fraud account registration at the host Flow chart showing the operation at the time of transfer transaction in the host Flow chart showing the operation of canceling the transfer transaction stop at the host

  Hereinafter, embodiments of a transfer transaction system and an automatic transaction apparatus according to the present invention will be described with reference to the drawings.

The transfer transaction system shown in FIG. 1 comprises an automatic transaction apparatus (hereinafter referred to as ATM) 10, a window terminal 20, and a host computer (hereinafter referred to as host) 30. In this embodiment, ATM 10 and window terminal 20 are transfer transaction terminals, and host 30 is Position it as a host device.
These ATM 10 and window terminal 20 are connected to a host 30 which is a host device via a network 50.

  The ATM 10 is a device installed in a financial institution's sales office, for example, from a screen for guiding operation to a customer, a display unit for displaying input information, and an input unit using a touch panel for a customer to input information. The customer operation display section, the card reader printer section that reads the customer's card and reads the account information etc. from the magnetic stripe and IC and prints the transaction details on the statement slip, the customer strips the magnetic stripe In the passbook processing unit that reads data and prints transaction details in the captured passbook, the banknote deposit / withdrawal unit that performs deposit / withdrawal processing of banknotes, the coin deposit / withdrawal unit that performs deposit / withdrawal processing of coins, the storage unit, and the storage unit A control unit or the like for controlling these units based on the stored control program is provided.

The ATM 10 in this embodiment has a transfer means 11, a transfer transaction stop inquiry means 12, and a transfer transaction stop message output means 13.
The transfer means 11 is a means for performing a process of transferring the transfer amount specified by the customer from the transfer source account specified by the customer based on the customer's transfer request to the transfer destination account.
The transfer transaction stop inquiry means 12 is a means for inquiring to the host 30 via the network 50 whether the transfer transaction of the transfer destination account designated by the customer has been stopped.

The transfer transaction stop message output means 13 is a message indicating that the transfer transaction is stopped when the transfer transaction of the transfer source account is stopped based on the response from the host 30 to the inquiry by the transfer transaction stop inquiry means 12. Is a means for outputting.
The transfer means 11, the transfer transaction stop inquiry means 12, and the transfer transaction stop message output means 13 are realized by software and a control unit stored in the storage unit.
The window terminal 20 is installed at the window of a financial institution's sales office. Each of these components is based on a display section such as an LCD, an input section such as a keyboard and a mouse, a storage section, and a control program stored in the storage section. And a control unit for executing a transaction by communicating with the host 30, and a counter staff operates to perform a transaction business.

This window terminal 20 has a transfer means 21, a transfer transaction stop inquiry means 22, a transfer transaction stop message output means 23, and a transfer transaction stop release request means 24. Here, the transfer means 21 and the transfer transaction stop inquiry The means 22 and the transfer transaction stop message output means 23 basically perform the same functions as the transfer means 11, the transfer transaction stop inquiry means 12, and the transfer transaction stop message output means 13 corresponding to the ATM 10. It has become a thing.
The transfer transaction stop cancellation request means 24 is a means for requesting the host 30 to cancel the transfer transaction stop of the deposit account for which the transfer transaction has been stopped via the network 50. Note that the transfer means 21, the transfer transaction stop inquiry means 22 and the transfer transaction stop cancellation request means 24 are realized by software and a control unit stored in the storage unit.

The host 30 is a computer installed at the center of a financial institution, and includes a transaction recording means 31, a transfer fraud account registration means 32, a transfer fraud damage account transfer transaction stop means 33, and a transfer fraud damage account transfer transaction stop release means 34. , A transfer transaction stop inquiry response means 35, a transfer transaction stop release request response means 36, an account DB 37, a transfer destination account-specific transfer information DB 38, a transfer fraud account DB 39, and an account-specific transfer fraud damage history DB 40. Each DB is a database.
The transaction recording means 31 is a means for registering the transfer transaction history of the deposit account managed by the host 30. When there is a transfer transaction from the deposit account, the transfer source account information is transferred for each transfer destination account. The information is registered in the transfer information DB 38.

The bank transfer fraud account registration means 32 is a means for registering information on the bank account used in the bank transfer fraud notified from the police etc. to the financial institution in the bank transfer fraud account DB 39. This includes not only your own bank account, but also your own bank account.
The transfer fraud damage account transfer transaction stopping means 33 is based on the transfer fraud account information registered in the transfer fraud account DB 39, and the transfer fraud account information and transfer account-specific transfer information DB 38. If the bank accounts registered in the bank account are compared and matched, the transfer fraud damage history information for each bank account is transferred by account by means of stopping the transfer transaction of all bank accounts for the bank account. This is registered in the fraud damage history DB 40.

The transfer fraud damage account transfer transaction stop cancellation means 34 transfers the transfer fraud damage account transfer transaction stop means 33 from the transfer transaction stop cancellation request means 24 to the transfer source account whose transfer transaction has been stopped by the transfer fraud damage account transfer transaction stop means 33. This is a means for canceling a transfer transaction stop by a transaction stop cancel request.
In response to the inquiry from the transfer transaction stop inquiry means 12 of the ATM 10 and the transfer transaction stop inquiry means 12 of the counter terminal 20, the transfer transaction stop inquiry response means 35 stops the transfer fraud damage account transfer transaction. It is a means for responding (answering) whether or not it has been stopped by means 33.

The transfer transaction stop release request response means 36 is a means for responding (replying) the release result performed by the transfer fraud damage account transfer transaction stop release means 34 in response to a request from the transfer transaction stop release request means 24 of the window terminal 20. The transaction recording means 31, the transfer fraud account registration means 32, the transfer fraud damage account transfer transaction stop means 33, the transfer fraud damage account transfer transaction stop cancellation means 34, the transfer transaction stop inquiry response means 35, the transfer transaction stop. The release request response unit 36 is realized by software stored in a storage unit provided in the host 30 and a control unit that controls the entire host 30.
The account DB 37 is a registration unit (storage unit) for registering (storing) account information such as account number (account identification information) account owner, account type, and account balance for each customer managed by the host 30. is there.

The transfer account DB-specific transfer information DB 38 registers transfer source account information for each transfer destination account (transfer destination financial institution name, transfer destination branch name, transfer destination account type, transfer account number) recorded by the transaction recording means 31. As shown in Fig. 2, in the registration unit (memory unit) to store, for each transfer destination account used in the transfer transaction, transaction date and time of transfer transaction, transfer amount, branch name of transfer source, account type, account Numbers are registered.
The transfer fraud account DB 39 is a registration unit (storage unit) for registering (storing) the account information of the transfer destination used for the transfer fraud recorded by the transfer fraud account registration means 32, and as the account information of the transfer destination. For example, as shown in FIG. 3, a financial institution name, a branch name, an account type, an account number, and the like are registered.

  The bank transfer fraud damage history DB 40 registers (stores) bank fraud damage history information for each customer deposit account (branch name, account type, account number) recorded by the bank fraud damage account transfer transaction stop means 33. ) In the registration unit (storage unit), as the transfer fraud damage history information, as shown in FIG. 4, for example, the transfer date and time, the transfer amount, and the transfer destination account information (financial institution name, branch name, account) Type, account number) and a transfer transaction stop flag are registered. Here, the transfer transaction stop flag “1” is information indicating that the stop is in progress, and “0” is information indicating that the stop is cancelled.

In this embodiment, for each customer's deposit account, the history information of past transfer transactions is made into a database, and the transfer source account used for the transfer fraud notified by the police, etc. The information for stopping the transfer by the customer's deposit account used as an account is written in the transfer transaction stop flag so that it can be registered.
The network 50 is a network using a dedicated line used for data communication between financial institutions, but may be a network using a public line, the Internet, a local area network, or the like.

The operation of the above configuration will be described.
First, the operation | movement at the time of the transfer transaction of ATM10 is demonstrated with reference to the flowchart shown in FIG.
Note that S in the figure indicates a step, and the description will be made according to this step.

S1: The ATM 10 displays a menu screen on the customer operation display unit and accepts a transaction selection by the customer. Transactions that can be selected include payment, payment, balance inquiry, etc. in addition to transfer.
S2: The control unit of the ATM 10 determines whether or not the transaction selected by the customer is a transfer transaction. If it is not a transfer transaction, the process proceeds to S3, and if it is a transfer transaction, the process proceeds to S4.
S3: The control part of ATM10 performs the transaction which the customer selected as usual, and complete | finishes a process.

S4: The control part of ATM10 guides the customer's operation by the customer operation display part, and accepts the input of the transfer transaction information. This transfer transaction information can be input from the touch panel, from the cash card, and from the transfer card. The transfer transaction information in this case is the transfer source account information, the transfer destination account information, the transfer amount, etc., and the transfer source account information includes the branch name of the deposit account of the transfer source, the account type, the account number, The transfer destination account information includes the name of the financial institution of the transfer destination account, the branch name, the account type, the account number, and the like. The transfer amount is the amount transferred from the transfer source account to the transfer destination account.
S5: When the input of the transfer transaction information is completed, the transfer transaction stop inquiry means 12 of the ATM 10 asks the host 30 whether or not the transfer transaction of the transfer source account has been stopped based on the input transfer source account information. Match.

  In this case, the transfer transaction stop inquiry means 12 transmits the transfer source account information to the host 30 together with the inquiry request message.

In response to this inquiry, the transfer transaction stop inquiry response means 35 of the host 30 searches for the corresponding deposit account (transfer source account) from the bank transfer fraud damage history DB 40, and if there is a corresponding deposit account, the deposit account. The transfer transaction stop flag in the transfer fraud damage history information is read, and it is determined whether or not the transfer transaction is stopped based on whether or not there is information “1”, that is, information indicating that the transfer transaction is stopped, and the result is Responds to the ATM 10, which will be described in detail later.
S6: The transfer transaction stop inquiry means 12 of the ATM 10 is, as a response from the transfer transaction stop inquiry response means 35 of the host 30, whether the transfer transaction of the transfer destination account with respect to the transfer source account has been stopped due to transfer fraud damage. The determination result is received and stored in a storage unit such as a memory or a hard disk (not shown).
S7: The transfer transaction stop inquiry means 12 of the ATM 10 determines whether or not the determination result of the transfer transaction stop inquiry response means 35 stored in the storage unit is the transfer transaction stop, and if it is not the transfer transaction stop, the transfer transaction proceeds to S8. If it is stopped, the process proceeds to S9.
S8: The transfer means 11 of the ATM 10 requests the host 30 for a transfer transaction based on the transfer transaction information input by the customer, and the process ends.
S9: The ATM 10 displays the transfer transaction stop screen 50 illustrated in FIG. 6 on the customer operation display unit.

In the transfer transaction stop screen 50, as shown in the drawing, for example, a message that tells that the transfer transaction of the account of the customer who is going to perform the transfer transaction is stopped and a confirmation to be performed at the counter of the sales office are guided. A message 51 to that effect is displayed. This message 51 is output by the transfer transaction stop message output means 13.
When the customer confirms the message 51 on the transfer transaction stop screen 50 and presses a confirmation button in the screen, the control unit ends the process.
Next, the transfer transaction stop cancellation operation at the window terminal 20 will be described with reference to the flowchart shown in FIG.

Note that S in the figure indicates a step, and the description will be made according to this step.
S11: The operator of the window operates the input unit such as the keyboard of the window terminal 20 to display the menu screen on the display unit, and selects a transaction based on the request of the customer. Transactions that can be selected include payment, payment, balance inquiry, etc. in addition to canceling the transfer transaction suspension.
S12: The control unit of the window terminal 20 determines whether or not the selected transaction is a transfer transaction stop release, and proceeds to S13 if it is not a transfer transaction stop release, or proceeds to S14 if the transfer transaction stop is released.
S13: The control unit of the window terminal 20 processes the transaction selected by the operator as usual and ends the transaction.
S14: The control unit of the window terminal 20 accepts the input of the transfer transaction stop cancellation information from the input unit by the operator's operation. The transfer transaction stop cancellation information in this case is the branch name, account type, account number, etc. of the transfer source account (deposit account) that performs the transfer transaction stop cancellation.

S15: When the input of the transfer transaction stop cancellation information is completed, the transfer transaction stop inquiry means 22 of the counter terminal 20 indicates whether the transfer transaction of the transfer source account is stopped based on the transfer transaction stop cancellation account information. Contact
In this case, the transfer transaction stop inquiry means 12 transmits the transfer source account information to the host 30 together with the inquiry request message.
In response to this inquiry, the transfer transaction stop inquiry response means 35 of the host 30 searches for the corresponding transfer source account (deposit account) from the account-specific transfer fraud damage history DB 40, and if there is a corresponding transfer source account, the transfer is made. The fraud damage history is read to determine whether there is a transfer transaction stop flag in which information “1” is registered. If there is no transfer transaction stop flag in which the information “1” is registered, information indicating no transfer transaction stop account is transmitted (response) to the ATM 10, and there is one transfer transaction stop flag in which the information “1” is registered. However, if the transfer transaction stop flag is “0”, all transfer date and time, transfer amount, and transfer account information are read and sent to ATM10 along with information on the transfer stop account (response) )

S16: The transfer transaction stop inquiry means 22 of the window terminal 20 receives the response from the transfer transaction stop inquiry response means 35 of the host 30, and stores the response content in a storage unit such as a memory or a hard disk (not shown).
S17: The transfer transaction stop inquiry means 22 of the window terminal 20 determines whether or not there is a transfer transaction stop account from the response stored in the storage unit. If there is no transfer transaction stop account, the transfer transaction stop is made to S18. If there is an account, the process proceeds to S19.
S18: The control unit of the window terminal 20 displays a screen prompting reconfirmation of the transfer transaction suspension cancellation account on the display unit, and when the operator confirms the display contents and inputs the confirmation input, the control unit ends the process. .

S19: The control unit of the window terminal 20 creates a transfer transaction stop cancellation confirmation screen 60 illustrated in FIG. 7 based on the response content stored in the storage unit and displays it on the display unit. In the transfer transaction stop cancellation confirmation screen 60, as shown in the drawing, for example, a message asking whether or not to execute the transfer transaction stop cancellation, and the account information (branch name, account number, etc.) of the transfer source account, transfer history As 61, the name of the financial institution, the branch name, and the account number of the transfer account are displayed. The message in this screen is output by the transfer transaction stop message output means 23.
S20: When the operator who sees the transfer transaction stop cancellation confirmation screen 60 operates the input unit to instruct “execute” or “cancel” processing, the control unit of the counter terminal 20 receives the instruction.

S21: The control unit of the window terminal 20 determines whether or not to cancel the transfer transaction stop based on the processing instruction input by the operator, and is instructed to cancel the transfer transaction stop, that is, the process of “cancel”. In the case of canceling, the cancel request is transmitted to the host 30 and the process is terminated. However, when canceling the transfer transaction, that is, when the execution process is instructed, the process proceeds to S22.
S22: The transfer transaction cancellation request means 24 of the window terminal 20 transmits information on the transfer transaction stop cancellation processing request to the host 30 together with the branch name, account type, account number, etc. of the transfer source account (deposit account), The process ends.

In the host 30, the transfer fraud damage account transfer transaction stop cancellation means 34 cancels the transfer fraud damage account transfer stop request by the transfer transaction release processing request, which will be described later.
Next, the operation when registering a bank transfer fraud account in the host 30 will be described with reference to the flowchart shown in FIG.
Note that S in the figure indicates a step, and the description will be made in accordance with this step.

S31: The host 30 waits for a request from a terminal (not shown) of the financial institution.
Requests from terminals and the like include transaction requests such as payment, payment, balance inquiry, etc. in addition to a request for registration of a transfer fraud account. In either case, information necessary for processing is sent simultaneously.
S32: When the control unit of the host 30 receives a request from a terminal (not shown) of the financial institution, it determines whether or not the request content is a transfer fraud account registration, and requests a transaction processing other than the transfer fraud account registration. If so, the process proceeds to S33, and if it is transfer fraud account registration, the process proceeds to S34.
S33: The control unit of the host 30 performs transaction processing according to the request contents as usual and ends.

S34: If the request from the terminal is a transfer fraud account registration, the transfer fraud account registration means 32 of the host 30 transfers the information of the transfer fraud account (including the date and time of transfer and the transfer amount) sent at the same time. Register in fraud account DB39. Information to be registered in this case is the name of the financial institution used for the transfer fraud, branch name, account type, account number, etc., as shown in FIG.
S35: When the registration to the bank transfer fraud account DB 39 is completed, the bank transfer fraud damage account transfer transaction stop means 33 has registered the bank account information of the bank account registered, and each bank account registered in the bank account transfer information DB 38 If there is matching transfer destination account information by comparing the account information sequentially, all the transfer source accounts corresponding to the transfer destination account information are read, and the corresponding deposit registered in the bank transfer fraud damage history DB 40 by account As shown in FIG. 4, for the account information, the transfer fraud account information including the transfer date and time and the transfer amount is registered as the transfer fraud damage history information, and the process ends. In this case, “1” indicating that the transfer transaction stop flag is stopped is registered.

Next, the operation | movement at the time of the transfer transaction in the host 30 is demonstrated with reference to the flowchart shown in FIG.
Note that S in the figure indicates a step, and the description will be made according to this step.

S41: The host 30 waits for a request from the ATM 10. The request from the ATM 10 includes a transaction request for payment, payment, balance inquiry, etc. in addition to the inquiry for stopping the transfer transaction. In either case, information necessary for processing is sent simultaneously.
S42: Upon receiving a request from the ATM 10, the control unit of the host 30 determines whether or not the content of the request is an inquiry about a transfer transaction stop from the transfer transaction stop inquiry unit 12 of the ATM 10. If it is a transaction processing request other than an inquiry about a transfer transaction stop, the process proceeds to S43, and if it is an inquiry about a transfer transaction stop, the process proceeds to S44.
S43: The control unit of the host 30 performs the transaction process according to the request content as usual and ends.

S44: When the request from the ATM 10 is an inquiry about the transfer transaction stop from the transfer transaction stop inquiry means 12, the transfer transaction stop inquiry response means 35 of the host 30 is based on the transfer source account information sent simultaneously. The corresponding deposit account is searched from the account-specific transfer fraud damage history DB 40, and if there is a corresponding deposit account, the transfer fraud damage history information of the deposit account is read and the content is confirmed.

S45: The transfer transaction stop inquiry response means 35 determines whether or not the transfer transaction is stopped from the read transfer fraud damage history information. If it is determined that the transfer transaction is not stopped, the process proceeds to S46. If it is determined that the transfer transaction is stopped, S48 is performed. Proceed to
The determination in this case is, for example, when the read fraud damage history information is empty, that is, when there is no transfer destination account information or the like, or there is the transfer destination account information but the information of the transfer transaction stop flag “1”. If there is no transfer transaction stop flag is “0” indicating that all transfer transaction stop flags have been released, it is determined that the transfer transaction has not been stopped, and information “1” is added to the read fraud damage history information. If there is even one transfer transaction stop flag, it is determined that the transfer transaction is stopped.

S46: The transfer transaction stop inquiry response means 35 transmits to the ATM 10 the transfer transaction non-stop information that the transfer transaction is not stopped.
S47: The control unit of the host 30 executes the transfer transaction by a normal process based on the transfer transaction request sent from the transfer means 11 of the ATM 10, and ends the process.
S48: The transfer transaction stop inquiry response means 35 transmits information on the transfer transaction stop to the ATM 10 together with the transfer fraud damage history information, and ends the processing.

Next, the transfer transaction stop cancellation operation in the host 30 will be described with reference to the flowchart shown in FIG.
Note that S in the figure indicates a step, and the description will be made in accordance with this step.

S51: The host 30 waits for a request from the window terminal 20.
S52: The control unit of the host 30 determines whether or not the request content is a request for canceling the transfer transaction stop. If the request is not a request for canceling the transfer transaction stop, the process ends. If the request is for canceling the transfer transaction stop, the process proceeds to S53. move on.

For example, in the operation of canceling the transfer transaction stop at the window terminal 20 described with reference to FIG. 7, if a request for canceling the transfer transaction stop is transmitted, the process is terminated, and the transfer transaction cancel request means 24 is sent to the host 30 in S22. On the other hand, when the transfer transaction stop cancellation request information is transmitted together with the branch name, account type, account number, etc. of the transfer source account (deposit account), the process proceeds to S53.
S53: The transfer fraud damage transfer transaction suspension cancellation means 34 of the host 30 searches for the corresponding transfer source account (deposit account) from the account-specific transfer fraud damage history DB 40, and if there is a corresponding transfer source account, The information of the transfer transaction stop flag “1” in the transfer fraud damage history is rewritten to “0”, and the process ends. That is, the transfer transaction stop cancellation process is performed on the transfer destination account in which the transfer transaction is stopped, and the process ends.

  According to the embodiment described above, when the transfer transaction history is registered in the database for each customer's deposit account, and when receiving the information of the transfer account used in the transfer fraud from the police, Write the information to stop the transfer transaction in the transfer transaction history of all the deposit accounts that have made the transfer transaction, and when the customer makes the transfer transaction at ATM, the account of the corresponding account registered in the database If the information to stop the transfer transaction is registered with reference to the transfer transaction history, the transfer transaction is stopped and a message is displayed to guide you to do it at the financial institution's window. Transfer to the bank account used for fraud can be prevented, and the effect of preventing damage to the transfer fraud to customers who are not aware of the transfer fraud can be obtained.

  According to the embodiment described above, the transfer transaction history is registered for each customer deposit account in the database of the host device connected to the ATM, and information on the transfer account used for the transfer fraud is received from the police. If you have entered the information to stop the transfer transaction in the transfer transaction history of all deposit accounts that have been transferred to that account, and entered when the customer made the transfer transaction at ATM If the information that stops the transfer transaction is registered by referring to the transfer transaction history of the corresponding account registered in the database, the account information of the transfer source is sent to the host device. By doing so, the ATM will stop the transfer transaction and display to guide you to confirm at the financial institution's window, so it prevents the transfer to the transfer account used in the transfer fraud It can, the effect that it is possible to prevent the victimized of the transfer Me fraud against customers who do not realize the transfer Me fraud is obtained.

In the above-described embodiment, the procedure for stopping the transfer transaction by referring to the contents of the account-specific transfer fraud damage history DB 40 when the customer performs the transfer transaction at the ATM 10 has been described. The same applies to transactions.
When a personal use PC (personal computer) or PDA (personal digital assistant) is used as a transfer transaction terminal instead of the ATM 10 or the counter terminal 20, and a customer performs a transfer transaction via the Internet using the PC or PDA. Is equally applicable.

  In the embodiment described above, the transaction recording means 31, the transfer fraud account registration means 32, the transfer fraud damage account transfer transaction stop means 33, the transfer fraud damage account transfer transaction stop cancellation means 34, the transfer transaction stop inquiry response means. 35, the transfer transaction stop cancellation request response means 36, the account DB 37, the transfer account-specific transfer information DB 38, the transfer fraud account DB 39, and the account-specific transfer fraud damage history DB 40 are all provided in the host 30. Can be provided in another server, and further, these components can be distributed in a plurality and connected to a network so as to operate according to the respective functions.

  In the flowcharts of FIGS. 5, 7, 9, 10, and 11, the order of the steps does not necessarily have to be as illustrated, and does not necessarily include all the steps.

10 Automatic transaction equipment (ATM)
DESCRIPTION OF SYMBOLS 11 Transfer means 12 Transfer transaction stop inquiry means 13 Transfer transaction stop message output means 20 Counter terminal 21 Transfer means 22 Transfer transaction stop inquiry means 23 Transfer transaction stop message output means 24 Transfer transaction stop release request means 30 Host computer 31 Transaction recording means 32 Transfer fraud account registration means 33 Transfer fraud damage account transfer transaction stop means 34 Transfer fraud damage account transfer transaction stop cancellation means 35 Transfer transaction stop inquiry response means 36 Transfer transaction stop release request response means 37 Account DB
38 Transfer information DB by bank account
39 Transfer fraud account DB
40 Transfer fraud damage history DB by account
50 network

Claims (3)

Transfer transaction terminal with input and display, and transfer transaction history for each customer's deposit account in the database, and when receiving the information of the bank account used in the transfer fraud, transfer to that account Consists of a host device having a database for registering information for stopping the transfer transaction for the transfer transaction history of all deposit accounts that have made transactions,
When performing a transfer transaction at the transfer transaction terminal, the account information of the transfer source input from the input unit is sent to the host device, the host device searches for the corresponding account registered in the database, and the account When the information which stops a transfer transaction is registered in the transfer transaction history, the transfer transaction is stopped by returning the transaction stop information to the transfer transaction terminal. In the transfer transaction system according to claim 1,
The transfer transaction terminal is an automatic transaction device operated by a customer,
The automatic transaction apparatus comprises means for displaying on the display unit a screen for guiding to a sales office of a financial institution when transaction stop information is sent from the host apparatus. . Having an input unit and a display unit, registering the transfer transaction history for each customer's deposit account in the database, and receiving the information of the transfer destination account used in the transfer fraud, and making a transfer transaction to that account Is connected to a host device having a database for registering information for stopping transfer transactions for transfer transaction history of all deposit accounts,
When performing a transfer transaction by a customer's operation, the account information of the transfer source input from the input unit is sent to the host device, the host device searches for the corresponding account registered in the database, and the account transfer An automatic transaction apparatus, wherein information for stopping a transfer transaction is registered in a transaction history, so that the transfer transaction is stopped when information on a transaction stop is sent from the host apparatus.

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