JP2013101695A - Automatic teller machine with remittance fraud prevention function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent occurrence of damage caused by remittance fraud by determining whether or not a client performs a remittance transaction during a call using a mobile phone.SOLUTION: An automatic teller machine with a remittance fraud prevention function comprises an operation unit, a receiver and a control unit 12. The operation unit includes functions as a display device and an input device and is operated by a client of a financial institution to perform a remittance transaction. An antenna having directivity is connected to the receiver. The control unit 12 determines whether or not the client is under a call using a mobile phone on the basis of a strength, measured by the receiver, of radio waves transmitted from the mobile phone of the client and, when the client is under the call while performing the remittance transaction, guides the client to a service counter, thereby stopping the transaction.

Description

  The present invention relates to an automatic transaction apparatus with a transfer fraud prevention function.

  Conventionally, automatic transaction devices such as ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) installed at branches of financial institutions such as banks, credit unions, post offices, etc. , The customer can operate by himself to conduct financial transactions such as deposit, withdrawal, transfer, transfer, passbook entry. For example, when conducting a transfer transaction, the customer completes the transfer transaction without the intervention of a third party such as a financial institution staff by manually operating the automatic transaction apparatus and entering the transfer source, transfer destination and transfer amount. (For example, refer to Patent Document 1).

JP-A-10-208116

  However, in the conventional automatic transaction apparatus, since the transfer transaction can be completed without the intervention of a third party, in the case of a transfer fraud, the transfer destination, the transfer amount, etc. are input to the victim through the mobile phone. When the instructions were given, the transfer transaction was completed without the knowledge of the staff of the financial institution, etc., so it was not possible to prevent the occurrence of damage due to fraud.

  The present invention solves the problems of the conventional automatic transaction apparatus and determines whether or not the customer has made a transfer transaction during a call using a mobile phone, thereby preventing the occurrence of damage caused by a transfer fraud. It aims at providing the automatic transaction apparatus with a transfer fraud prevention function which can be prevented.

  Therefore, in the automatic transaction apparatus with a transfer fraud prevention function of the present invention, it has a function as a display device and an input device, an operation unit that can be operated by a customer of a financial institution to perform a transfer transaction, and a directivity A receiver to which a certain antenna is connected, and a control unit for determining whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the customer's mobile phone measured by the receiver; And when the customer is making a transfer transaction and is on a call, the customer is guided to the window to stop the transaction.

  In another automatic transaction apparatus with a transfer fraud prevention function according to the present invention, there is a function as a display device and an input device, and an operation unit that can be operated by a customer of a financial institution to perform a transfer transaction, and has directivity. A receiver to which an antenna is connected, a control unit for determining whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the mobile phone of the customer measured by the receiver, and a voice An output device, and a warning sound is generated when the customer is making a transfer transaction and is on a call.

  In yet another automatic transaction apparatus with a transfer fraud prevention function of the present invention, it has a function as a display device and an input device, an operation unit that can be operated by a customer of a financial institution to perform a transfer transaction, and a directivity A receiver to which a certain antenna is connected, and a control unit that determines whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the mobile phone of the customer measured by the receiver; The warning light is turned on when a call is in progress when the customer is performing a transfer transaction.

  In yet another automatic transaction apparatus with a transfer fraud prevention function of the present invention, it has a function as a display device and an input device, an operation unit that can be operated by a customer of a financial institution to perform a transfer transaction, and a directivity A receiver to which a certain antenna is connected, and a control unit that determines whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the mobile phone of the customer measured by the receiver; And a monitoring terminal connected to the control unit, and the monitoring terminal outputs a warning when a call is in progress when the customer is making a transfer transaction.

  In yet another automatic transaction apparatus with a transfer fraud prevention function of the present invention, it has a function as a display device and an input device, an operation unit that can be operated by a customer of a financial institution to perform a transfer transaction, and a directivity A receiver to which a certain antenna is connected, and a control unit for determining whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the customer's mobile phone measured by the receiver; And the operation unit displays a message when the customer is making a transfer transaction and is on a call.

  In still another automatic transaction apparatus with a transfer fraud prevention function according to the present invention, the message displayed by the operation unit is displayed when the transaction is stopped.

  In yet another automatic transaction apparatus with a transfer fraud prevention function of the present invention, it has a function as a display device and an input device, an operation unit that can be operated by a customer of a financial institution to perform a transfer transaction, and a directivity A receiver to which a certain antenna is connected, and a control unit for determining whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the customer's mobile phone measured by the receiver; And when the customer is making a transfer transaction and is on a call, the operation unit displays a screen that prompts the customer to stop calling or stop the transaction and go to the counter.

  In yet another automatic transaction apparatus with wire fraud prevention function according to the present invention, when the customer does not cancel the call or transaction, the operation unit again stops the call or stops the transaction and goes to the window. A screen prompting you to do so is displayed.

  According to the present invention, in the automatic transaction apparatus with a transfer fraud prevention function, it is determined whether or not a customer has made a transfer transaction during a call using a mobile phone. Thereby, the occurrence of damage due to wire fraud can be prevented in advance.

It is a figure which shows the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the flow of the process which analyzes the image | photographed image in the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the automatic transaction apparatus in the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus in the 2nd Embodiment of this invention. It is a figure which shows the automatic transaction apparatus in the 3rd Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus in the 3rd Embodiment of this invention. It is a figure which shows the automatic transaction apparatus in the 4th Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus in the 4th Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus in the 5th Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus in the 6th Embodiment of this invention. It is a top view which shows the positional relationship of the automatic transaction apparatus and customer in the 7th Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing an automatic transaction apparatus according to a first embodiment of the present invention.

  In the figure, reference numeral 10 denotes an automatic transaction apparatus such as an ATM or a CD installed at a branch office of a financial institution such as a bank, a credit union, a post office, etc., and the customer of the financial institution operates by itself. This is a device for conducting financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting. The automatic transaction apparatus 10 is a store of a store such as a convenience store, a supermarket, a department store, an underground mall, a station premises, a city hall, a public facility such as a hospital, a private company such as a factory or an office, a parking lot, a roadside ( It may be arranged outdoors such as aside). The automatic transaction apparatus 10 is a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. There may be. The customer is a person who opens an account with a financial institution and performs the financial transaction.

  The automatic transaction apparatus 10 is a kind of computer that operates according to a program, and includes a control unit 12. The control unit 12 includes arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and comprehensively controls the operation of the automatic transaction apparatus 10. The automatic transaction apparatus 10 is communicably connected to a host computer as an accounting system host apparatus installed in a computer center of a financial institution via a network (not shown), and communicates with the host computer. Execute financial transaction processing such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance. The network may be any communication such as a wired or wireless public communication network, a dedicated communication network, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network), a satellite communication network, etc. It may be a line network or a combination of these as appropriate.

  The automatic transaction apparatus 10 includes a screen operation unit 11 as an operation unit including an input device such as a keyboard and a touch panel, a display device such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display. The screen operation unit 11 is preferably a touch panel having both functions of an input device and a display device. Further, the screen operation unit 11 may include a voice input device such as a microphone for inputting customer voice, a voice output device such as a speaker for voice guidance, and the like.

  The automatic transaction apparatus 10 includes a camera 13 as an image capturing apparatus that operates the automatic transaction apparatus 10 to photograph a customer who makes a financial transaction and obtains the image. The camera 13 includes an imaging element such as a CCD (Charge Coupled Device) and a C-MOS (Complementary-Metal Oxide Semiconductor), an optical lens, a communication interface, and the like. The digital still camera that shoots a still image, the digital video camera that shoots a moving image, or any other form may be used as long as the captured image can be output in the form of electronic data. It may be a thing.

  And the said automatic transaction apparatus 10 has a card processing part which handles cards, such as a cash card. Here, the card is a card for performing a financial transaction such as deposit, withdrawal, transfer, balance inquiry, etc. issued to a customer by a financial institution, and information such as the customer's name, account number, and PIN is received. A magnetic stripe for storing is provided. The member that stores the information may be an IC embedded in a card instead of the magnetic stripe. The card processing unit includes a card slot into which a card is inserted and ejected. In the card slot, a transport device that transports the card and reading information stored in a magnetic stripe or IC of the card. In addition, a recording head such as a magnetic head for overwriting, erasing and the like is provided. It is desirable that the card processing unit can handle other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions.

  Further, the card processing unit has a function of issuing a transaction statement slip. The transaction statement is a piece of paper on which information related to financial transactions performed by the customer such as deposit, withdrawal, balance inquiry, transfer, transfer, remittance, fixed deposit, etc., is printed, account number, type of financial transaction, Transaction amount is printed. The transaction statement slip may be issued only when the customer desires.

  In addition, the automatic transaction apparatus 10 has a passbook entry unit for making entries in a passbook such as a deposit passbook. Here, the bankbook is a booklet bankbook such as a bankbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe.

  The passbook entry unit includes a passbook slot into which a passbook is inserted. In the passbook slot, a transfer device that transports the passbook, a print head that prints a record of the financial transaction on the passbook, and a passbook magnetic field A recording head such as a magnetic head for reading, overwriting and erasing information stored in a stripe or IC is provided.

  Furthermore, the automatic transaction apparatus 10 has a money deposit / withdrawal unit that handles banknotes and coins. The money deposit / withdrawal unit receives and counts, ie, counts, the cash deposited by the customer in the financial transaction such as deposit, and pays out a predetermined amount of cash from the cash receiving port in the financial transaction such as withdrawal. The cash receiving port is provided with a shutter that can be opened and closed, and the shutter is opened when paying out cash.

  Next, the operation of the automatic transaction apparatus 10 having the above configuration will be described.

  FIG. 2 is a diagram showing a flow of processing for analyzing a photographed image according to the first embodiment of the present invention, and FIG. 3 is a flowchart showing an operation of the automatic transaction apparatus according to the first embodiment of the present invention. 2A is a diagram showing a photographed image, FIG. 2B is a diagram showing a state where the face position of the photographed image is confirmed, and FIG. 2C is a diagram showing the face position of the photographed image and a mobile phone. It is a figure which shows the state which confirmed the position of the hand attached to.

  First, the customer starts the financial transaction such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting, etc. by operating the automatic transaction apparatus 10 installed at a branch of a financial institution. To do. In this case, the automatic transaction apparatus 10 displays a transaction selection screen on the display screen of the screen operation unit 11 as guidance for selecting a financial transaction. On the transaction selection screen, operation buttons for selecting a transaction for selecting a financial transaction such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting and the like are displayed. Then, the customer touches an operation button for selecting a desired financial transaction, for example, transfer, from the displayed operation buttons, that is, clicks the operation button.

  Then, the control unit 12 of the automatic transaction apparatus 10 determines whether or not the financial transaction selected by the customer is a transfer, that is, whether or not the transfer is a transfer transaction. If it is not a transfer transaction, the transaction is continued as it is.

  Moreover, when it is a transfer transaction, the control part 12 makes the camera 13 start customer photography. Thereby, the camera 13 images the customer who operates the screen operation unit 11 and transmits a captured image as shown in FIG. 2A to the control unit 12.

  Then, the control unit 12 performs customer image analysis, and analyzes the acquired captured image as shown in FIG. First, the control unit 12 analyzes the photographed image, recognizes the customer's face as shown in FIG. 2B, and specifies its position.

  Subsequently, the control unit 12 determines whether or not the customer is using the mobile phone, that is, whether or not a call is being made on the mobile phone. Specifically, the control unit 12 further analyzes the captured image, and determines whether or not the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face position. Then, as shown in FIG. 2B, when the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face, it is determined that the mobile phone is in a call. If the mobile phone or the customer's hand is not attached to the position on the lower right or lower left of the position of the customer's face, it is determined that a call is not being made on the mobile phone.

  If the automatic transaction apparatus 10 has a handset for calling an attendant or for a visually impaired person and the customer is using the handset, it is erroneously determined that a call is being made on a mobile phone. Therefore, even if the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face, it is determined that the mobile phone is not in a call.

  And when it is not in a telephone call by a mobile phone, the control part 12 continues a transaction as it is.

  Further, when a call is being made with a mobile phone, the control unit 12 displays an instruction to go to the window on the display screen and guides the customer to a window such as a branch office. For example, “Please come to the counter” is displayed on the customer operation screen of the display screen. Then, the control unit 12 interrupts the transaction.

  As a result, when the customer goes to the sales office window, the staff member of the financial institution confirms with the customer that the suspended transfer transaction is not due to a transfer fraud. The person in charge is, for example, a person in charge at the window (teller), a manager such as a store manager, a sales representative, or a security officer.

Next, a flowchart will be described.
Step S1: It is determined whether the financial transaction selected by the customer is a transfer transaction. If it is a transfer transaction, the process proceeds to step S2, and if it is not a transfer transaction, the transaction is continued as it is.
Step S2: The customer 13 is caused to start photographing the customer.
Step S3 Perform customer image analysis.
Step S4: Determine whether the customer is talking on the mobile phone. If the call is on the mobile phone, the process proceeds to step S5. If the call is not on the mobile phone, the transaction is continued.
Step S5 "Please come to the counter" is displayed on the customer operation screen of the display screen, and the transaction is interrupted.

  As described above, in the present embodiment, the financial transaction is interrupted when the financial transaction is a transfer transaction and the camera 13 analyzes the image taken by the camera 13 and determines that the customer is talking on the mobile phone. Then guide the customer to a branch office. As a result, financial institution staff can confirm whether or not it is a transfer fraud, and damage is caused by a bank transfer fraud that instructs the victim to input the transfer destination, transfer amount, etc. through the mobile phone. This can be prevented beforehand.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 4 is a diagram showing an automatic transaction apparatus according to the second embodiment of the present invention.

  As shown in the figure, the automatic transaction apparatus 10 according to the present embodiment includes a speaker 14 as an audio output device that functions as a warning output device that outputs a warning. The speaker 14 is connected to the control unit 12. The configuration of other points is the same as that of the first embodiment, and a description thereof will be omitted.

  Next, operation | movement of the automatic transaction apparatus 10 in this Embodiment is demonstrated.

  FIG. 5 is a flowchart showing the operation of the automatic transaction apparatus according to the second embodiment of the present invention.

  First, a customer starts a financial transaction by operating an automatic transaction apparatus 10 disposed at a branch of a financial institution. In this case, the automatic transaction apparatus 10 displays a transaction selection screen on the display screen of the screen operation unit 11 as guidance for selecting a financial transaction. On the transaction selection screen, a transaction selection operation button for selecting a financial transaction is displayed. Then, the customer touches an operation button for selecting a desired financial transaction, for example, transfer, from the displayed operation buttons, that is, clicks the operation button.

  Then, the control unit 12 of the automatic transaction apparatus 10 determines whether or not the financial transaction selected by the customer is a transfer, that is, whether or not the transfer is a transfer transaction. If it is not a transfer transaction, the transaction is continued as it is.

  Moreover, when it is a transfer transaction, the control part 12 makes the camera 13 start customer photography. As a result, the camera 13 images the customer who operates the screen operation unit 11 and transmits the captured image to the control unit 12.

  Then, the control unit 12 performs customer image analysis and analyzes the acquired captured image. First, the control unit 12 analyzes the captured image, recognizes the customer's face, and specifies its position.

  Subsequently, the control unit 12 determines whether or not the customer is using the mobile phone, that is, whether or not a call is being made on the mobile phone. Specifically, the control unit 12 further analyzes the captured image, and determines whether or not the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face position. If the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face, it is determined that the mobile phone is talking and the lower right or If the mobile phone or the customer's hand is not attached to the lower left position, it is determined that the mobile phone is not talking.

  If the mobile phone is not in a call, the transaction is continued as it is.

  Further, when a call is being made with a mobile phone, the control unit 12 generates a warning sound from the speaker 14. Then, the transaction is continued as it is.

  Also, when a staff member of a financial institution hears a warning sound, it confirms with the customer that the transfer transaction is not due to a transfer fraud according to the state of the customer.

Next, a flowchart will be described.
Step S11: It is determined whether the financial transaction selected by the customer is a transfer transaction. If it is a transfer transaction, the process proceeds to step S12. If it is not a transfer transaction, the transaction is continued as it is.
Step S12: The customer 13 is caused to start photographing the customer.
Step S13 Perform customer image analysis.
Step S14: It is determined whether the customer is talking on the mobile phone. If the call is on the mobile phone, the process proceeds to step S15. If the call is not on the mobile phone, the transaction is continued.
Step S15 A warning sound is generated from the speaker 14, and the transaction is continued as it is.

  As described above, in the present embodiment, when the financial transaction is a transfer transaction and the image captured by the camera 13 is analyzed to determine that the customer is talking on the mobile phone, a warning is given from the speaker 14. Sound is generated. As a result, the staff of the financial institution is alerted to check whether it is a transfer fraud or not, so it is damaged by the transfer fraud of the trick that instructs the victim to input the transfer destination, transfer amount, etc. through the mobile phone. Can be prevented from occurring.

  Next, a third embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Also, the description of the same operations and effects as those of the first and second embodiments is omitted.

  FIG. 6 is a diagram showing an automatic transaction apparatus according to the third embodiment of the present invention.

  As shown in the figure, the automatic transaction apparatus 10 according to the present embodiment includes a warning lamp 15 as a warning output device that outputs a warning. The warning lamp 15 is connected to the control unit 12. The configuration of other points is the same as that of the first embodiment, and a description thereof will be omitted.

  Next, operation | movement of the automatic transaction apparatus 10 in this Embodiment is demonstrated.

  FIG. 7 is a flowchart showing the operation of the automatic transaction apparatus according to the third embodiment of the present invention.

  First, a customer starts a financial transaction by operating an automatic transaction apparatus 10 disposed at a branch of a financial institution. In this case, the automatic transaction apparatus 10 displays a transaction selection screen on the display screen of the screen operation unit 11 as guidance for selecting a financial transaction. On the transaction selection screen, a transaction selection operation button for selecting a financial transaction is displayed. Then, the customer touches an operation button for selecting a desired financial transaction, for example, transfer, from the displayed operation buttons, that is, clicks the operation button.

  Then, the control unit 12 of the automatic transaction apparatus 10 determines whether or not the financial transaction selected by the customer is a transfer, that is, whether or not the transfer is a transfer transaction. If it is not a transfer transaction, the transaction is continued as it is.

  Moreover, when it is a transfer transaction, the control part 12 makes the camera 13 start customer photography. As a result, the camera 13 images the customer who operates the screen operation unit 11 and transmits the captured image to the control unit 12.

  Then, the control unit 12 performs customer image analysis and analyzes the acquired captured image. First, the control unit 12 analyzes the captured image, recognizes the customer's face, and specifies its position.

  Subsequently, the control unit 12 determines whether or not the customer is using the mobile phone, that is, whether or not a call is being made on the mobile phone. Specifically, the control unit 12 further analyzes the captured image, and determines whether or not the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face position. If the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face, it is determined that the mobile phone is talking and the lower right or If the mobile phone or the customer's hand is not attached to the lower left position, it is determined that the mobile phone is not talking.

  If the mobile phone is not in a call, the transaction is continued as it is.

  Further, the control unit 12 causes the warning lamp 15 to emit light when a call is being made using a mobile phone. Then, the transaction is continued as it is.

  In addition, when a person in charge at the financial institution visually recognizes the light from the warning light 15, it confirms with the customer that the transfer transaction is not due to a transfer fraud according to the state of the customer.

Next, a flowchart will be described.
Step S21: It is determined whether the financial transaction selected by the customer is a transfer transaction. If it is a transfer transaction, the process proceeds to step S22. If it is not a transfer transaction, the transaction is continued as it is.
Step S22: The customer 13 is caused to start photographing the customer.
Step S23 Perform customer image analysis.
Step S24: It is determined whether the customer is talking on the mobile phone. If the call is on the mobile phone, the process proceeds to step S25. If the call is not on the mobile phone, the transaction is continued.
Step S25: The warning lamp 15 is emitted and the transaction is continued as it is.

  As described above, in this embodiment, when the financial transaction is a transfer transaction, and the image captured by the camera 13 is analyzed and it is determined that the customer is talking on the mobile phone, the warning light 15 is Emits light. As a result, the staff of the financial institution is alerted to check whether it is a transfer fraud or not, so it is damaged by the transfer fraud of the trick that instructs the victim to input the transfer destination, transfer amount, etc. through the mobile phone. Can be prevented from occurring.

  Next, a fourth embodiment of the present invention will be described. In addition, about the thing which has the same structure as the 1st-3rd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to third embodiments is also omitted.

  FIG. 8 is a diagram showing an automatic transaction apparatus according to the fourth embodiment of the present invention.

  As shown in the figure, the control unit 12 of the automatic transaction apparatus 10 according to the present embodiment is connected to a monitoring terminal 16 so as to be communicable. The monitoring terminal 16 is a terminal device disposed at a place such as a window in a financial institution's sales office, such as a person in charge of the window, a manager such as a store manager, a sales staff at a sales office, or a security staff. The staff can check the output of warning display, warning sound, etc. The monitoring terminal 16 is, for example, a personal computer or the like, and includes a communication interface, a display device, a voice output device, and the like. Any device can be used as long as it can output a warning by displaying a warning by displaying a screen or generating a warning sound. The configuration of other points is the same as that of the first embodiment, and a description thereof will be omitted.

  Next, operation | movement of the automatic transaction apparatus 10 in this Embodiment is demonstrated.

  FIG. 9 is a flowchart showing the operation of the automatic transaction apparatus according to the fourth embodiment of the present invention.

  First, a customer starts a financial transaction by operating an automatic transaction apparatus 10 disposed at a branch of a financial institution. In this case, the automatic transaction apparatus 10 displays a transaction selection screen on the display screen of the screen operation unit 11 as guidance for selecting a financial transaction. On the transaction selection screen, a transaction selection operation button for selecting a financial transaction is displayed. Then, the customer touches an operation button for selecting a desired financial transaction, for example, transfer, from the displayed operation buttons, that is, clicks the operation button.

  Then, the control unit 12 of the automatic transaction apparatus 10 determines whether or not the financial transaction selected by the customer is a transfer, that is, whether or not the transfer is a transfer transaction. If it is not a transfer transaction, the transaction is continued as it is.

  Moreover, when it is a transfer transaction, the control part 12 makes the camera 13 start customer photography. As a result, the camera 13 images the customer who operates the screen operation unit 11 and transmits the captured image to the control unit 12.

  Then, the control unit 12 performs customer image analysis and analyzes the acquired captured image. First, the control unit 12 analyzes the captured image, recognizes the customer's face, and specifies its position.

  Subsequently, the control unit 12 determines whether or not the customer is using the mobile phone, that is, whether or not a call is being made on the mobile phone. Specifically, the control unit 12 further analyzes the captured image, and determines whether or not the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face position. If the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face, it is determined that the mobile phone is talking and the lower right or If the mobile phone or the customer's hand is not attached to the lower left position, it is determined that the mobile phone is not talking.

  If the mobile phone is not in a call, the transaction is continued as it is.

  Further, when a call is being made with a mobile phone, the control unit 12 sends a warning signal to the monitoring terminal 16. Then, the transaction is continued as it is.

  Further, when receiving the warning signal, the monitoring terminal 16 outputs a warning by lighting a lamp, displaying a warning screen, generating a warning sound, or the like. Then, the staff member of the financial institution, when recognizing the warning output by the monitoring terminal 16, confirms with the customer that the transfer transaction is not due to a transfer fraud according to the state of the customer.

Next, a flowchart will be described.
Step S31: It is determined whether the financial transaction selected by the customer is a transfer transaction. If it is a transfer transaction, the process proceeds to step S32. If it is not a transfer transaction, the transaction is continued as it is.
Step S32: The customer 13 is caused to start photographing the customer.
Step S33 Perform customer image analysis.
Step S34: It is determined whether the customer is talking on the mobile phone. If the call is on the mobile phone, the process proceeds to step S35. If the call is not on the mobile phone, the transaction is continued.
Step S35 A warning signal is sent to the monitoring terminal 16, and the transaction is continued as it is.

  As described above, in this embodiment, when the financial transaction is a transfer transaction and the image taken by the camera 13 is analyzed to determine that the customer is talking on the mobile phone, the warning signal is monitored. The data is transmitted to the terminal 16, and the monitoring terminal 16 outputs a warning. As a result, the staff of the financial institution is alerted to check whether it is a transfer fraud or not, so it is damaged by the transfer fraud of the trick that instructs the victim to input the transfer destination, transfer amount, etc. through the mobile phone. Can be prevented from occurring.

  Next, a fifth embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st-4th embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to fourth embodiments is also omitted.

  FIG. 10 is a flowchart showing the operation of the automatic transaction apparatus according to the fifth embodiment of the present invention.

  In the present embodiment, the configuration of the automatic transaction apparatus 10 is the same as that of the first embodiment, so that the description thereof will be omitted and the operation will be described.

  First, a customer starts a financial transaction by operating an automatic transaction apparatus 10 disposed at a branch of a financial institution. In this case, the automatic transaction apparatus 10 displays a transaction selection screen on the display screen of the screen operation unit 11 as guidance for selecting a financial transaction. On the transaction selection screen, a transaction selection operation button for selecting a financial transaction is displayed. Then, the customer touches an operation button for selecting a desired financial transaction, for example, transfer, from the displayed operation buttons, that is, clicks the operation button.

  Then, the control unit 12 of the automatic transaction apparatus 10 determines whether or not the financial transaction selected by the customer is a transfer, that is, whether or not the transfer is a transfer transaction. If it is not a transfer transaction, the transaction is continued as it is.

  Moreover, when it is a transfer transaction, the control part 12 makes the camera 13 start customer photography. As a result, the camera 13 images the customer who operates the screen operation unit 11 and transmits the captured image to the control unit 12.

  Then, the control unit 12 performs customer image analysis and analyzes the acquired captured image. First, the control unit 12 analyzes the captured image, recognizes the customer's face, and specifies its position.

  Subsequently, the control unit 12 determines whether or not the customer is using the mobile phone, that is, whether or not a call is being made on the mobile phone. Specifically, the control unit 12 further analyzes the captured image, and determines whether or not the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face position. If the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face, it is determined that the mobile phone is talking and the lower right or If the mobile phone or the customer's hand is not attached to the lower left position, it is determined that the mobile phone is not talking.

  If the mobile phone is not in a call, the transaction is continued as it is.

  In addition, when a call is being made with a mobile phone, the control unit 12 displays a screen for prompting the attention of the transfer fraud on the customer operation screen displayed on the display screen. For example, the message “Do you conduct a transfer transaction after being guided by a mobile phone? There is a possibility of wire fraud.” Is displayed on the customer operation screen. And if it is not a transfer fraud, select and click the confirmation button from the operation buttons displayed on the customer operation screen, and if there is a possibility of transfer fraud, select the cancel button from the operation buttons And ask them to click. That is, the customer presses the confirmation or cancel button.

  Subsequently, the control unit 12 determines which is the customer's operation. That is, it is determined whether the pressed button is a confirmation button or a cancel button. If it is a confirmation button, the transaction is continued as it is.

  In the case of a cancel button, the control unit 12 displays a screen for guiding the customer to the customer operation screen displayed on the display screen. For example, “Please come to the counter” is displayed on the customer operation screen of the display screen. Then, the control unit 12 interrupts the transaction.

  As a result, when the customer goes to the sales office window, the staff member of the financial institution confirms with the customer that the suspended transfer transaction is not due to a transfer fraud.

Next, a flowchart will be described.
Step S41: It is determined whether the financial transaction selected by the customer is a transfer transaction. If it is a transfer transaction, the process proceeds to step S42, and if it is not a transfer transaction, the transaction is continued as it is.
Step S42: The camera 13 is started to photograph the customer.
Step S43 Perform customer image analysis.
Step S44: It is determined whether the customer is talking on the mobile phone. If the call is on the mobile phone, the process proceeds to step S45. If the call is not on the mobile phone, the transaction is continued.
Step S45: On the customer operation screen displayed on the display screen, a screen for prompting attention of wire fraud is displayed.
Step S46 The customer is made to press the confirmation or cancel button.
Step S47: It is determined which operation is performed by the customer. If it is a cancel button, the process proceeds to step S48, and if it is a confirmation button, the transaction is continued as it is.
Step S48: A screen for guiding to the window is displayed on the customer operation screen displayed on the display screen, and the transaction is interrupted.

  As described above, in the present embodiment, when the financial transaction is a transfer transaction, and the image captured by the camera 13 is analyzed to determine that the customer is talking on the mobile phone, Raise awareness regarding wire fraud. As a result, it is possible to confirm whether or not the customer himself / herself is a transfer scam, and damage is caused by a transfer scam that directs the victim to input the transfer destination, transfer amount, etc. through the mobile phone. Can be prevented in advance.

  Next, a sixth embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st-5th embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to fifth embodiments is also omitted.

  FIG. 11 is a flowchart showing the operation of the automatic transaction apparatus according to the sixth embodiment of the present invention.

  In the present embodiment, the configuration of the automatic transaction apparatus 10 is the same as that of the first embodiment, so that the description thereof will be omitted and the operation will be described.

  First, a customer starts a financial transaction by operating an automatic transaction apparatus 10 disposed at a branch of a financial institution. In this case, the automatic transaction apparatus 10 displays a transaction selection screen on the display screen of the screen operation unit 11 as guidance for selecting a financial transaction. On the transaction selection screen, a transaction selection operation button for selecting a financial transaction is displayed. Then, the customer touches an operation button for selecting a desired financial transaction, for example, transfer, from the displayed operation buttons, that is, clicks the operation button.

  Then, the control unit 12 of the automatic transaction apparatus 10 determines whether or not the financial transaction selected by the customer is a transfer, that is, whether or not the transfer is a transfer transaction. If it is not a transfer transaction, the transaction is continued as it is.

  Moreover, when it is a transfer transaction, the control part 12 makes the camera 13 start customer photography. As a result, the camera 13 images the customer who operates the screen operation unit 11 and transmits the captured image to the control unit 12.

  Then, the control unit 12 performs customer image analysis and analyzes the acquired captured image. First, the control unit 12 analyzes the captured image, recognizes the customer's face, and specifies its position.

  Subsequently, the control unit 12 determines whether or not the customer is using the mobile phone, that is, whether or not a call is being made on the mobile phone. Specifically, the control unit 12 further analyzes the captured image, and determines whether or not the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face position. If the mobile phone or the customer's hand is attached to the lower right or lower left position of the customer's face, it is determined that the mobile phone is talking and the lower right or If the mobile phone or the customer's hand is not attached to the lower left position, it is determined that the mobile phone is not talking.

  If the mobile phone is not in a call, the transaction is continued as it is.

  In addition, when a call is being made on a mobile phone, the control unit 12 displays a screen on the customer operation screen displayed on the display screen indicating that the call on the mobile phone is to be stopped or the transaction is canceled and the customer goes to the counter. Display. For example, “Please place your mobile phone for transaction operations”, “Turn off your mobile phone for transaction operations”, “If you want to make a transaction while making a call, please come to the counter.” Etc. are displayed.

  Then, to continue the transaction, select and click the confirmation button from the operation buttons displayed on the customer operation screen, and to cancel the transaction, select the cancel button from the operation buttons. Prompt them to click. That is, the customer presses the confirmation or cancel button.

  Subsequently, the control unit 12 determines which is the customer's operation. That is, it is determined whether the pressed button is a confirmation button or a cancel button. If it is a confirmation button, the control unit 12 causes the camera 13 to start photographing the customer again, analyzes the customer image, determines whether or not the call is in progress on the mobile phone, and makes a call on the mobile phone. If it is in the middle, a screen is displayed again on the customer operation screen displayed on the display screen to stop the call on the mobile phone or cancel the transaction and go to the counter. If the mobile phone is not talking, the transaction is continued.

  In the case of a cancel button, the control unit 12 displays a screen for guiding the customer to the customer operation screen displayed on the display screen. For example, “Please come to the counter” is displayed on the customer operation screen of the display screen. Then, the control unit 12 interrupts the transaction.

  As a result, when the customer goes to the sales office window, the staff member of the financial institution confirms with the customer that the suspended transfer transaction is not due to a transfer fraud.

Next, a flowchart will be described.
Step S51: It is determined whether the financial transaction selected by the customer is a transfer transaction. If it is a transfer transaction, the process proceeds to step S52. If it is not a transfer transaction, the transaction is continued as it is.
Step S52: The customer 13 is caused to start photographing the customer.
Step S53 Perform customer image analysis.
Step S54: It is determined whether or not the customer is talking on the mobile phone. If the call is on the mobile phone, the process proceeds to step S55. If the call is not on the mobile phone, the transaction is continued.
Step S55: On the customer operation screen displayed on the display screen, a screen for canceling the mobile phone call or canceling the transaction and going to the window is displayed.
Step S56: The customer is made to press the confirmation or cancel button.
Step S57 It is determined which operation is performed by the customer. If it is a confirmation button, the process returns to step S52, and if it is a cancel button, the process proceeds to step S58.
Step S58 A screen for guiding to the window is displayed on the customer operation screen displayed on the display screen, and the transaction is interrupted.

  As described above, in the present embodiment, when the financial transaction is a transfer transaction, and the image captured by the camera 13 is analyzed to determine that the customer is talking on the mobile phone, Instruct the customer to stop the call or cancel the transaction and go to the counter. As a result, it is possible to prevent damage from being caused by a bank transfer fraud that instructs the victim to input the transfer destination, the transfer amount, etc. through the mobile phone.

  Next, a seventh embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st-6th embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to sixth embodiments is also omitted.

  FIG. 12 is a plan view showing the positional relationship between the automatic transaction apparatus and the customer in the seventh embodiment of the present invention.

  As shown in the figure, the automatic transaction apparatus 10 according to the present embodiment includes a directional antenna 21 disposed around the main body and a receiver 22 connected to the antenna 21. Then, the control unit 12 determines whether or not the customer is busy using the mobile phone 23 based on the intensity of the radio wave emitted by the mobile phone 23 possessed by the customer measured by the receiver 22. .

  Since the configuration and operation of other points are the same as those in the first to sixth embodiments, description thereof will be omitted.

  In the first to seventh embodiments, the control unit 12 has described an example of determining whether or not the customer is using the mobile phone after determining that the customer has selected the transfer transaction. When the transfer button is selected, that is, when the customer selects the transfer transaction, it may be determined whether or not the customer is using the mobile phone 23. In this case, it can be determined that the customer who uses the mobile phone while continuing the operation of the transfer transaction is using the mobile phone voluntarily and there is no possibility of a transfer fraud.

  Furthermore, it is possible to record the content of a call that a customer is making using a mobile phone. Thereby, when a customer is damaged by a transfer fraud, it is possible to obtain a clue for specifying a person who has made the transfer fraud.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

  The present invention can be applied to an automatic transaction apparatus with a transfer fraud prevention function.

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 11 Screen operation part 12 Control part 13 Camera 14 Speaker 15 Warning light 16 Monitoring terminal 21 Antenna 22 Receiver 23 Mobile phone

Claims (8)

(A) an operation unit having functions as a display device and an input device, which can be operated by a customer of a financial institution to perform a transfer transaction;
(B) a receiver to which a directional antenna is connected;
(C) a control unit that determines whether the customer is using the mobile phone based on the intensity of the radio wave emitted from the customer's mobile phone measured by the receiver;
(D) An automatic transaction apparatus with a transfer fraud prevention function, wherein when the customer is making a transfer transaction and is on a call, the customer is guided to a window to stop the transaction. (A) an operation unit having functions as a display device and an input device, which can be operated by a customer of a financial institution to perform a transfer transaction;
(B) a receiver to which a directional antenna is connected;
(C) a control unit for determining whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the customer's mobile phone measured by the receiver;
(D) an audio output device;
(E) An automatic transaction apparatus with a transfer fraud prevention function, which generates a warning sound when a call is made when the customer is performing a transfer transaction. (A) an operation unit having functions as a display device and an input device, which can be operated by a customer of a financial institution to perform a transfer transaction;
(B) a receiver to which a directional antenna is connected;
(C) a control unit for determining whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the customer's mobile phone measured by the receiver;
(D) has a warning light,
(E) The automatic transaction apparatus with a transfer fraud prevention function, wherein the warning light is turned on when the customer is making a transfer transaction and a call is in progress. (A) an operation unit having functions as a display device and an input device, which can be operated by a customer of a financial institution to perform a transfer transaction;
(B) a receiver to which a directional antenna is connected;
(C) a control unit for determining whether or not the customer is in a call using the mobile phone based on the intensity of the radio wave emitted by the customer's mobile phone measured by the receiver;
(D) having a monitoring terminal connected to the control unit;
(E) An automatic transaction apparatus with a transfer fraud prevention function, wherein the monitoring terminal outputs a warning when a call is made when the customer is performing a transfer transaction. (A) an operation unit having functions as a display device and an input device, which can be operated by a customer of a financial institution to perform a transfer transaction;
(B) a receiver to which a directional antenna is connected;
(C) a control unit that determines whether the customer is using the mobile phone based on the intensity of the radio wave emitted from the customer's mobile phone measured by the receiver;
(D) An automatic transaction apparatus with a transfer fraud prevention function, wherein the operation unit displays a message when a call is in progress when the customer is performing a transfer transaction. The automatic transaction apparatus with a transfer fraud prevention function according to claim 5, wherein the message displayed by the operation unit is displayed when the transaction is stopped. (A) an operation unit having functions as a display device and an input device, which can be operated by a customer of a financial institution to perform a transfer transaction;
(B) a receiver to which a directional antenna is connected;
(C) a control unit that determines whether the customer is using the mobile phone based on the intensity of the radio wave emitted from the customer's mobile phone measured by the receiver;
(D) When the customer is making a transfer transaction and is on a call, the operation unit displays a screen prompting the customer to stop calling or stop the transaction and go to the counter. Automatic transaction device with fraud prevention function. The automatic operation with a fraud prevention function according to claim 7, wherein when the customer does not cancel the call or transaction, the operation unit displays a screen prompting to stop the call or stop the transaction and go to the window again. Trading device.

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