JP2014021784A - Transaction device and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction device for efficiently inviting attention of a user to crime prevention.SOLUTION: A transaction device for executing transaction with a user includes: means for accepting the input of transaction amounts related to transaction from a user; means for performing illegal related transaction determination processing for determining whether or not it is suspicious that this time transaction with the user is illegal related transaction related to an illegal act under the consideration of at least input transaction amounts; and means for, when it is determined that it is suspicious that this time transaction with the user is the illegal related transaction, outputting information to invite attention to the illegal related transaction to the user.

Description

  The present invention relates to a transaction apparatus and a program, and can be applied to, for example, an ATM (Automated Teller Machine) installed in a financial institution such as a bank or a convenience store.

  Currently, so-called “transfer fraud” has become a social problem as a criminal act that tricks the other party by telephone and requests money transfer. As a type of transfer fraud, so-called “refund fraud” targeting ATM users is rampant.

  With refund fraud, for example, an assailant who gives a public institution staff contacts the victim by telephone or the like assuming that he can receive a refund from the public institution. This is a scam in which the victim is transferred to an ATM and called a procedure for receiving a refund, and is actually a transfer to the perpetrator's account.

  There is ATM described in Patent Document 1 as a conventional technique capable of preventing wire fraud.

  In the ATM described in Patent Document 1, when performing a transfer transaction, a screen that prompts the attention of the transfer fraud is displayed, and a screen that allows the customer to confirm that the current transfer transaction is not related to the transfer fraud is displayed. Yes.

JP 2011-059780 A

  However, in the ATM described in Patent Document 1, since a screen prompting the customer to make a transfer transaction uniformly is displayed, there is a possibility that the operation time of the customer is extended and the convenience is lowered. .

  Therefore, a transaction apparatus and a program that can efficiently alert a user to crime prevention are desired.

  The first aspect of the present invention is a transaction apparatus for performing a transaction with a user. (1) Transaction amount input means for receiving an input of a transaction amount related to a transaction from the user; (2) Acceptance by at least the transaction amount input means In consideration of the input transaction amount, a fraud related transaction determination means for performing fraud related transaction determination processing for determining whether or not the current transaction with the user is a fraud related transaction related to fraud ) When the fraud related transaction determination means determines that the current transaction with the user is suspected of being fraud related transaction, an output means for outputting information to call the user about the fraud related transaction; It is characterized by having.

  A transaction program according to a second aspect of the present invention includes: (1) a transaction amount input unit that receives an input of a transaction amount related to a transaction from the user; and (2) at least a computer installed in a transaction apparatus that performs transactions with the user. An illegal fraud-related transaction determination process for determining whether there is a suspicion that the current transaction with the user is a fraud-related transaction related to fraudulent activity in consideration of the input transaction amount received by the transaction amount input means. Related transaction determination means, and (3) If the current transaction with the user is determined to be suspected of being an illegal related transaction by the fraud related transaction determining means, the user is alerted about the illegal related transaction. It is characterized by functioning as output means for outputting information to be output.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction apparatus which alerts a user of crime prevention efficiently can be provided.

It is explanatory drawing shown about the whole structure of a transaction system provided with ATM which concerns on 1st Embodiment. It is an external appearance perspective view of ATM which concerns on 1st Embodiment. It is the flowchart shown about operation | movement of the transfer transaction which ATM which concerns on 1st Embodiment performs. It is explanatory drawing shown about the structural example of the transaction selection screen displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the detail of the account number input reception process which ATM which concerns on 1st Embodiment performs. It is explanatory drawing shown about the structural example of the transfer amount input reception screen displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the fraud alerting screen (1st fraud alerting screen) displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the fraud alerting screen (2nd fraud alerting screen) displayed by ATM which concerns on 2nd Embodiment. It is the flowchart shown about the whole transaction operation | movement which ATM which concerns on 2nd Embodiment performs. It is explanatory drawing shown about the whole structure of a transaction system provided with ATM which concerns on 3rd Embodiment. It is the flowchart shown about operation | movement of the transfer transaction which ATM which concerns on 3rd Embodiment performs. It is the flowchart shown about the operation | movement of the transfer transaction which ATM which concerns on 4th Embodiment performs (the 1; when a display language is changed into English). It is the flowchart (the 2; when display language is not changed) shown about operation | movement of the transfer transaction which ATM which concerns on 4th Embodiment performs. It is explanatory drawing shown about the structural example of the transaction selection screen displayed by ATM which concerns on 4th Embodiment. It is explanatory drawing shown about the 1st fraud alerting screen displayed by ATM which concerns on the modification of 4th Embodiment. It is explanatory drawing shown about the 2nd fraud alerting screen displayed by ATM which concerns on the modification of 4th Embodiment.

(A) First Embodiment Hereinafter, a first embodiment of a transaction apparatus and a program according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

(A-1) Configuration of the First Embodiment FIG. 1 is a block diagram showing the overall configuration of the transaction system 1000 and the functional configuration of the ATM 100 according to the first embodiment. FIG. 2 is a perspective view of the ATM 100 according to the first embodiment. In FIGS. 1 and 2, reference numerals in parentheses are reference numerals used in second to fourth embodiments described later.

  In the transaction system 1000, an ATM 100 and a host computer 200 are arranged. In addition, the number of ATM100 arrange | positioned with the transaction system 1000 is not limited.

  The ATM 100 is connected to the network N. The ATM 100 is connected to the host computer 200 via the network N. Although the communication system of the network N is not limited, for example, an IP communication network such as the Internet can be applied.

  As the host computer 200, for example, a host computer capable of transaction processing using an existing ATM can be applied, and detailed description thereof is omitted.

  Next, the hardware configuration of the ATM 100 will be described.

  As shown in FIG. 1, the ATM 100 includes a control unit 10, a data storage unit 20, a communication unit 30, a card reader / writer 40, an operation display unit 50, a slip printer 60, a passbook processing unit 70, and a cash processing unit 80. ing.

  In the following description, it is assumed that the user who operates the ATM 100 is a customer. However, the user who operates the ATM 100 is not limited to a customer such as a staff member of a financial institution, for example.

  The control unit 10 has a function of performing operation control and information processing of each unit in the ATM 100, and has a transaction processing unit 11. The data storage unit 20 is a data storage unit that stores various information necessary for the control unit 10 (transaction processing unit 11) to perform information processing, and can be configured by various memories, for example.

  The control part 10 (transaction processing part 11) is realizable by installing the transaction program etc. of embodiment in the implementation structure (computer) of the program containing a processor etc., for example. For example, the above-described transaction program may be stored in the data storage unit 20, and when the ATM 100 is activated, the control unit 10 may read and execute the transaction program.

  When the control unit 10 (transaction processing unit 11) performs a transfer transaction with a customer, the transaction this time is based on information input from the customer, and this transaction is a transaction related to fraudulent acts such as a transfer fraud (hereinafter referred to as “fraud related (Referred to as “transaction-related transaction determination processing”).

  The perpetrator of the transfer fraud urges the ATM (customer using the ATM) to input the ATM by referring to the transfer amount as a “customer number” in order to prevent the victim from being recognized as an illegal transfer. For this reason, there are many cases in which the end of the transfer amount input to the ATM (1's digit) does not result in a good delimited number ending with "0".

  Therefore, in the control unit 10 (transaction processing unit 11) of the first embodiment, as part of the fraud-related transaction determination process, the amount related to the transfer transaction input from the customer (hereinafter referred to as “input transfer amount”). It shall be confirmed whether or not the 1's place (digit of 1 yen) is “0”. However, even if the input transfer amount is a badly delimited number (a number other than “0” in the 1's place), the transfer may be correct. Therefore, the control unit 10 (transaction processing unit 11), as part of the fraud related transaction determination process, the past transfer transaction related to the customer's account (for example, the account corresponding to the cash card inserted into the card reader / writer 40). Refer to the history information. And it is confirmed whether the transfer destination of this transfer transaction is contained in the historical information of the past transfer transaction. For example, even if the input transfer amount is a badly delimited number, if the transfer destination is the same as the past transfer transaction history information, the possibility of a transfer fraud is low.

  Therefore, the control part 10 (transaction processing part 11) of this embodiment shall perform fraud related transaction determination processing in consideration of at least the input transfer amount and the account number of the transfer destination. In the following, as an example, the control unit 10 (transaction processing unit 11), when the 1's place of the input transfer amount is a number other than “0” and the account number of the transfer destination is not included in the transfer transaction history information. Shall determine that this transaction is suspected of being fraudulent. Otherwise, it shall be determined that there is no suspicion that the transaction is fraudulent. In this embodiment, the control unit 10 (transaction processing unit 11) performs the fraud related transaction determination process with reference to only the lowest level (1's) of the input transfer amount, but refers to a plurality of digits from the lowest level. A fraud-related transaction determination process may be performed. For example, the control unit 10 (transaction processing unit 11) refers to the lowest two digits (the first digit and the tenth digit), and if all the digits referenced are “0”, it is illegal. It may be determined that there is no suspicion that the transaction is related.

  In addition, it is not limited about the method in which the control part 10 (transaction processing part 11) acquires the historical information of the transfer transaction which concerns on the said customer's account. For example, when the host computer 200 holds the transfer transaction history information for each account, the control unit 10 (transaction processing unit 11) inquires of the host computer 200 and acquires the transfer transaction history information. You may do it. Further, for example, when a data recording medium (for example, an IC chip) is attached to the cash card, the history information of the transfer transaction is transferred from the data recording medium attached to the cash card using the card reader / writer 40. May be obtained. The number of transfer transaction history information (number of transfer destination accounts) used for fraud-related transaction determination processing is not limited, but may be, for example, about 10 (10 transfer destination accounts).

  The communication unit 30 is a network interface for connecting to the network N. Note that the communication unit 30 can be the same as the existing ATM or the like, and thus detailed description thereof is omitted.

  The card reader / writer 40 reads data from a cash card inserted into a card insertion / extraction port 401 by a customer. Since the card reader / writer 40 can be the same as the existing ATM or the like, detailed description thereof is omitted.

  The operation display unit 50 has a user interface function of the ATM 100. Specifically, the operation display unit 50 presents an operation screen to a customer using a touch panel display or the like, and outputs information to the customer or receives an operation from the customer (menu selection, money input, number input, etc.). It is a device that can be performed.

  The slip printer 60 prints transaction contents on a slip sheet and discharges it from the slip discharge unit 601. Note that the slip printer 60 itself can be the same as the existing ATM or the like, and thus detailed description thereof is omitted.

  The passbook processing unit 70 performs processing of the passbook inserted into the passbook insertion / exhaust port 701 from the customer (printing of transaction results on the passbook, etc.). Note that the passbook processing unit 70 can apply the same one as the existing ATM or the like, and thus a detailed description thereof will be omitted.

  The cash processing unit 80 has a function of storing cash (banknotes and / or coins) received from the customer and a function of withdrawing cash stored in the ATM 100 to the customer. In this embodiment, the cash processing unit 80 is capable of depositing / withdrawing banknotes from the banknote deposit / withdrawal port 801 and depositing / withdrawing coins from the coin deposit / withdrawal port 802. In addition, since the cash processing part 80 can apply the same thing as the existing ATM etc., detailed description is abbreviate | omitted.

  As described above, in the ATM 100, the transaction amount input means, the output means (including the operation screen providing section), and the identification information input means are realized by using the control unit 10 (transaction processing unit 11) and the operation display unit 50. ing. Moreover, in ATM100, the fraud relevant transaction determination means is implement | achieved using the control part 10 (transaction processing part 11). Furthermore, in ATM100, the control part 10 (transaction processing part 11) and the communication part 30 are used. The transaction history holding means is realized.

(A-2) Operation of the First Embodiment Next, the operation of the ATM 1 of the first embodiment having the above configuration will be described.

  FIG. 3 is a flowchart showing an operation when a transfer transaction is performed at the ATM 100.

  The control unit 10 is assumed to display a transaction process selection screen (hereinafter referred to as “transaction selection screen”) as shown in FIG. 4 on the screen of the operation display unit 50 as an initial screen. Here, it is assumed that the transfer transaction is selected by the customer on the transaction selection screen (S101).

  FIG. 4 is an explanatory diagram showing a configuration example of a transaction selection screen displayed on the screen of the operation display unit 50. As shown in FIG. 4, buttons (buttons B <b> 101 to B <b> 104 in FIG. 4) that can accept an operation (pressing) from a customer are arranged on the screen of the operation display unit 50.

  In the transaction selection screen of FIG. 4, a button B101 (“withdrawal”) for starting a withdrawal transaction for withdrawing from the customer's account (for example, an account corresponding to a cash card inserted into the card reader / writer 40) is displayed. Button), a button B102 for starting an inter-account transfer to an account other than the customer's account (a button labeled "transfer"), and depositing the account ( A button B103 (a button labeled “deposit”) for starting a deposit transaction to deposit, and a button B104 (a button labeled “balance inquiry”) for starting reception of a balance inquiry of the customer's account ) And are arranged.

  Then, when the button B102 for starting the transfer transaction is pressed on the transaction selection screen, the control unit 10 requests the customer to insert a cash card (for example, “Please insert the cash card” message screen) Is displayed on the operation display unit 50), and it is assumed that a cash card is inserted into the card reader / writer 40 (card insertion outlet 401) by the customer (S102).

  When a cash card is inserted into the card reader / writer 40 (card insertion / exhaust port 401), the control unit 10 displays a screen for accepting an input of a personal identification number on the operation display unit 50 (hereinafter referred to as "personal identification number input acceptance" Display screen). Then, it is assumed that a password (for example, a 4-digit number) is input by the customer on the password input reception screen. When the password is input on the password input acceptance screen, the control unit 10 (transaction processing control unit 1, communication control unit 4) requests the host computer 200 to check the password (authentication process). (S103).

  Specifically, the control unit 10 (transaction processing control unit 1, communication control unit 4) determines the account number of the customer's account acquired from the data recording medium (magnetic stripe, IC chip, etc.) of the cash card, and the customer. Is transmitted to the host computer 200 and a request for collation with the personal identification number held on the host computer 200 side is made. Here, it is assumed that the password check by the host computer 200 is OK (successful authentication). If the result of the personal identification number check is NG (authentication failure), the control unit 10 may request the customer to input the personal identification number again or cancel the transaction.

  When the password check is OK (successful authentication), the control unit 10 displays a screen (hereinafter referred to as “account number input acceptance screen”) for accepting the input of the bank account number on the operation display unit 50. Let Then, it is assumed that the account number of the transfer destination is input by the customer on the account number input acceptance screen (S104).

  FIG. 5 is an explanatory diagram showing a configuration example of the account number input acceptance screen.

  As shown in FIG. 5, on the account number input acceptance screen, a soft keypad K201 for inputting an account number and a cancel button B201 (a button labeled “Cancel”) for canceling a transaction are input. And a field F201 for displaying the account number. The soft keypad K201 is composed of input keys (buttons) “0 to 9” and “OK”. In addition, as shown in FIG. 5, a correction button B202 for correcting an already input number (for example, erasing a part or all of the already input number) is arranged on the account number input acceptance screen. .

  When the account number of the transfer destination is input by the customer, the control unit 10 displays on the operation display unit 50 a screen for accepting the input of the transfer amount (hereinafter referred to as “transfer amount input acceptance screen”). (S105).

  FIG. 6 is an explanatory diagram showing a configuration example of the transfer amount input acceptance screen.

  As shown in FIG. 6, on the transfer amount input acceptance screen, a soft keypad K301 and a cancel button B301 for inputting the transfer amount and a field F301 for displaying the input transfer amount are arranged. The soft keypad K301 includes input keys (buttons) “0 to 9” and “OK”. In addition, as shown in FIG. 6, a correction button B302 for correcting the amount already input (for example, erasing part or all of the already input number) is arranged on the transfer amount input acceptance screen. .

  Then, on the transfer amount input acceptance screen, when the input transfer amount is input and the confirmation button on the soft keypad K301 is pressed (the button displayed as “confirmation”), the control unit 10 sets 1 of the input transfer amount. It is confirmed whether or not the place (digit of 1 yen) is “0” (S106). When the 1's place of the input transfer amount is “0”, the control unit 10 determines that there is no suspicion that the current transaction is a fraud related transaction, and operates from the process of step S110 described later. On the other hand, when the 1's place (digit of 1 yen) of the input transfer amount is not “0” (any number from 1 to 9), the control unit 10 operates from the process of step S107 described later.

  If it is confirmed in the above-described step S106 that the 1's place of the input transfer amount is not “0”, the control unit 10 determines that the customer's account (for example, the cash card inserted into the card reader / writer 40). Whether the transfer information of the current transfer transaction (the account number of the transfer destination input in step S104 described above) is included in the history information. It is confirmed whether or not (S107). When the transfer transaction history information includes the transfer destination (account number) of the current transfer transaction, the control unit 10 determines that there is no suspicion that the current transaction is a fraud related transaction. The operation starts from step S110 described later.

  On the other hand, when the transfer information (account number) of the current transfer transaction is not included in the transfer transaction history information, the control unit 10 determines that there is a suspicion that the current transaction is a fraud related transaction. The operation display unit 50 displays a screen (hereinafter referred to as “fraud warning screen”) that prompts the customer to call for a transfer fraud (S108).

  FIG. 7 is an explanatory diagram showing a configuration example of a fraud alerting screen.

  In the fraud alert screen shown in FIG. 7, a message prompting attention of the transfer fraud, a confirmation button B401 (a button labeled “Confirm”) for accepting the continuation of the transfer transaction, and a transaction for canceling the transaction. A cancel button B402 is arranged.

  And the control part 10 determines subsequent operation | movement according to the button pressed on the fraud alerting screen (S109). When the cancel button B402 is pressed on the fraud alerting screen shown in FIG. 7, the control unit 10 determines to cancel the current transfer transaction, shifts to the processing of step S111 described later, and ends the transaction. In addition, when the confirmation button B401 is pressed on the fraud alerting screen shown in FIG. 7, the control unit 10 determines to execute (continue) the current transfer transaction, and the process proceeds to the process of step S110 described later. Execute.

  When it is determined in step S106 or step S108 that there is no suspicion that the current transaction is a fraud-related transaction, or when the confirmation button B401 is pressed on the fraud alert screen in step S108 described above. When it is determined that the transaction process is executed in step S109 described above, the control unit 10 performs a process of executing the current transfer transaction (S110).

  Specifically, the control unit 10 requests the host computer 200 to perform transaction processing for the transfer transaction. Then, the control unit 10 receives the result of the transaction processing from the host computer 200, and confirms whether the transaction has been established (whether the requested transaction processing has been successful). Here, it is assumed that the transaction process of the transfer transaction requested by the control unit 10 is successful. In this case, the control unit 10 causes the operation display unit 50 to display a screen that displays that the transaction has been completed (for example, a screen that displays a message “transfer completed”). Then, the control unit 10 causes the slip printer 60 to output a slip on which the transaction result is printed.

  Then, when the transfer transaction at the above-described step S110 is completed or when the cancel button is pressed on each of the above-described screens (such as the fraud warning screen at the above-described step S108), the control unit 10 ends the transaction. Processing (for example, cash card discharge processing from the card reader / writer 40) is executed, and the transaction with the customer is terminated (S111).

(A-3) Effects of First Embodiment According to the first embodiment, the following effects can be achieved.

  The control unit 10 performs a fraud related transaction determination process for determining whether or not there is a suspicion that the current transaction is a fraud related transaction in consideration of at least the input transfer amount and the account number of the transfer destination. And the control part 10 displays the fraud alerting screen on the operation display part 50, only when it is determined by the fraud related transaction determination process that there is a suspicion that the current transaction is a fraud related transaction. As a result, the control unit 10 displays the fraud warning screen only for customers who are suspected of being victims of wire fraud. Therefore, the control unit 10 efficiently alerts the customer to crime prevention, shortens the operation time, The convenience can be improved.

(B) Second Embodiment Hereinafter, a second embodiment of the transaction apparatus and program according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM. The configuration of a transaction system 1000A including the ATM 100A of the second embodiment can also be shown in FIGS. 1 and 2 as in the first embodiment. Hereinafter, differences of the second embodiment from the first embodiment will be described.

  The ATM 100A of the second embodiment is different from the first embodiment in that the control unit 10 (transaction processing unit 11) is replaced with the control unit 10A (transaction processing unit 11A).

  In ATM100 of 1st Embodiment, the above-mentioned operation screen of FIG. 7 is displayed as a fraud alerting screen. In the fraud alerting screen of FIG. 7 described above, a message for prompting attention of wire fraud, a confirmation button B401 for accepting continuation of the transfer transaction, and a cancel button B402 for canceling the transaction are arranged. . That is, in the ATM 100 of the first embodiment, even if it is determined in step S106 described above that there is a suspicion that the current transaction is a fraud related transaction, the confirmation button B401 is pressed on the fraud alert screen. Thus, the transfer transaction can be continued.

  On the other hand, in the ATM 100A of the second embodiment, the fraud alerting screen is replaced with an operation screen as shown in FIG.

  In the fraud alerting screen of the second embodiment shown in FIG. 8, the confirmation button B401 is omitted, and only the cancel button B501 is arranged. In addition, on the fraud alerting screen shown in FIG. 8, a message for alerting a transfer fraud and a message for prompting an inquire to the attendant (message “Please contact the attendant via an interphone or the like”) are arranged. Therefore, in the ATM 100A of the second embodiment, when it is determined that there is a suspicion that the current transaction is a fraud related transaction, the fraud warning screen shown in FIG. 8 is displayed, and the transfer transaction cannot be continued. ing.

  Next, operation | movement of ATM100A of 2nd Embodiment is demonstrated using the flowchart of FIG. In the flowchart of FIG. 9, the same reference numerals are assigned to the same processing steps as those in the flowchart of FIG.

  In the flowchart of FIG. 9, steps S108 and S109 in the flowchart of FIG. 3 described above are replaced with S201.

  In step S201, as described above, the control unit 10A (transaction processing unit 11A) displays the fraud alerting screen shown in FIG.

  Since only the cancel button B501 is arranged on the fraud alert screen displayed in step S201, the control unit 10A (transaction processing unit 11A) performs transaction end processing in step S111 by pressing the cancel button B501. Will be transferred to.

  As described above, the control unit 10A (transaction processing unit 11A) according to the second embodiment operates and displays a fraud alerting screen in which the transaction cannot be continued when it is determined that there is a suspicion that the transaction is fraudulent. It is displayed on the part 50. When the fraud alerting screen as shown in FIG. 8 is displayed, a customer using the ATM 100A uses an interphone (for example, an interphone (not shown) arranged around the ATM 100A) to execute a transaction. (A staff member of a financial institution where the ATM 100A is installed). Then, the clerk can make a transaction with the customer after confirming the content of the transaction verbally with the customer and confirming that the transaction is not related to the transfer fraud. Therefore, in ATM100A of 2nd Embodiment, compared with 1st Embodiment, it can prevent that a customer becomes a victim of a transfer fraud more reliably.

(C) Third Embodiment Hereinafter, a third embodiment of the transaction apparatus and the program according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

  FIG. 10 is a block diagram showing the overall configuration of the transaction system 1000B according to the third embodiment and the functional configuration of the ATM 100B. The same or corresponding parts as those in FIG. 1 are given the same or corresponding reference numerals. doing. In FIG. 10, the reference numerals in parentheses are those used only in the fourth embodiment described later.

  The perspective view of ATM100B of 3rd Embodiment can be shown using above-mentioned FIG. 2 similarly to 1st Embodiment. In the following, the third embodiment will be described focusing on the differences from the first embodiment.

  The ATM 100B of the third embodiment is different from the first embodiment in that the control unit 10 (transaction processing unit 11) is replaced with the control unit 10B (transaction processing unit 11B).

  In the data storage unit 20 of the ATM 100B of the third embodiment, the installed store information 21 is set as information (information related to the status of the installation location) regarding the store (store of the financial institution) in which the ATM 100B is installed. The installed store information 21 is a “manned store” indicating that a store is located in a store where the ATM 100B is installed, or a store where no store is installed in a store where the ATM 100B is installed. Any information of “unmanned store” indicating the presence is set.

  Then, if the control unit 10B (transaction processing unit 11B) determines that the current transaction is suspected of being fraudulent related transaction as a result of the fraud related transaction determination processing, the control unit 10B (transaction processing unit 11B) The fraud warning screen with different contents is displayed on the operation display unit 50.

  Specifically, when the installed store information 21 is set to “manned store”, the control unit 10B (transaction processing unit 11B) can display the fraud warning screen (described above in the first embodiment) that can continue the transfer transaction. 7 is displayed on the operation display unit 50 (hereinafter referred to as “first fraud alerting screen”). On the other hand, when the installation store information 21 is set to “unmanned store”, the control unit 10B (transaction processing unit 11B) is a fraud alerting screen that cannot continue the transfer transaction (the above-described diagram in the second embodiment). 8 is displayed on the operation display unit 50 (hereinafter referred to as “second fraud alerting screen”).

  Next, operation | movement of ATM100B (control part 10B) of 3rd Embodiment is demonstrated using the flowchart of FIG. In the flowchart of FIG. 11, the same reference numerals are assigned to the same processing steps as those in the flowchart of FIG.

  The control unit 10B (transaction processing unit 11B) of the third embodiment is the process of step S107, where the transfer information (account number) of the current transfer transaction is not included in the transfer transaction history information (this time) If it is determined that the transaction is a fraud related transaction), the process of step S301 is performed. In the process of step S301, the control unit 10B (transaction processing unit 11B) confirms the installed store information 21 in the data storage unit 20. When the control unit 10B (transaction processing unit 11B) confirms that the installed store information 21 is set as a manned store, the control unit 10B operates from the process of step S303 described later, and the installed store information 21 is changed to an unmanned store. If it is confirmed that the setting has been made, the operation starts from the processing in step S302 described later.

  When it is confirmed in the above-described step S301 that the installed store information 21 is set to an unmanned store, the control unit 10B (transaction processing unit 11B) can continue the first fraud alerting screen (transfer transaction can be continued; The operation screen shown in FIG. 7 described above is displayed on the operation display unit 50 (S302), and the operation in the above-described step S109 (determination process of transfer transaction execution according to the button pressed on the first fraud alerting screen) Will be transferred to.

  On the other hand, if it is confirmed in step S301 described above that the installed store information 21 is set as an unmanned store, the control unit 10B (transaction processing unit 11B) continues the second fraud alert screen (transfer transaction is continued). Impossible; the operation screen shown in FIG. 8 described above is displayed on the operation display unit 50 (S303). When the cancel button B501 is pressed on the second fraud alerting screen, the control unit 10B (transaction processing unit 11B) shifts to the transaction end processing in step S111.

  As described above, in the control unit 10B (transaction processing unit 11B) of the third embodiment, the first fraud alerting screen (transfer transaction can be continued) or the second fraud depending on the installation store information 21 A warning screen (transfer transaction cannot be continued) is selected and displayed on the operation display unit 50. As a result, the ATM 100A installed in a manned store displays the second fraud alert screen that prevents the transaction from being continued and prompts the customer to contact the staff. Can be prevented. On the other hand, when the ATM 100A is installed in an unattended store, the first fraud alerting screen that allows the transaction to be continued can be displayed to give priority to convenience. In the case of an unmanned store, since it is difficult for a customer to contact a staff member, the ATM 100A displays the first fraud alerting screen so that the transaction can be continued.

(D) Fourth Embodiment Hereinafter, a fourth embodiment of the transaction apparatus and program according to the present invention will be described in detail with reference to the drawings. This embodiment demonstrates the example which applied the transaction apparatus of this invention to ATM.

  By the way, in the conventional ATM, the operation screen is composed mainly of the official language of the country in which it is installed (for example, Japanese if it is Japan, hereinafter also referred to as “first language”). However, in the conventional ATM, considering the convenience of foreigners (people outside the country where the ATM is installed), languages other than the first language that the ATM mainly supports (hereinafter referred to as “foreign” Word "or" second language "). Hereinafter, the language used for buttons and messages on the operation screen displayed by the ATM is also referred to as “display language”.

  The perpetrator of the so-called refund fraud instructs the operating procedure of the ATM using a mobile phone or the like to the victim (ATM user) in front of the ATM. And a victim will operate ATM based on a perpetrator's instruction | indication. At this time, the perpetrator may instruct the victim to change the ATM display language from Japanese (first language) to English (second language). As a result, the operation screen is displayed in English that is not your native language (the official language of your home country), so the victim can actually perform whatever operation, regardless of the perpetrator's instructions. It becomes difficult to understand what it is. And victims who can not understand what they are operating, even if they are operating with the intention of receiving a refund (for example, tax refund), they actually perform a transfer to another account (perpetrator's account) It will be. Then, the victim knows that the balance of the deposit has decreased after the operation (after the transfer), and recognizes that he / she has been damaged by the refund fraud.

  Therefore, in the ATM 100C of the fourth embodiment, the display language switching status is also considered in the fraud related transaction determination process.

  The overall configuration of transaction system 1000C of the fourth embodiment and the functional configuration of ATM 100C can also be shown using FIG. 10 described above. Moreover, the perspective view of ATM100C of 4th Embodiment can be shown using above-mentioned FIG. 2 similarly to 3rd Embodiment. In the following, the fourth embodiment will be described focusing on the differences from the third embodiment.

  An ATM 100C according to the fourth embodiment differs from the third embodiment in that the control unit 10B (transaction processing unit 11B) is replaced with a control unit 10C (transaction processing unit 11C).

  As described above, in the control unit 10C (transaction processing unit 11C) of the fourth embodiment, the switching state of the display language is also considered in the fraud related transaction determination process. Here, as an example, in the control unit 10C (transaction processing unit 11C), the default display language (first language) is set to Japanese, and English is also supported as a foreign language (second language). It shall be. Note that the number of corresponding foreign languages in the control unit 10C (transaction processing unit 11C) is not limited. And control part 10C (transaction processing part 11C) shall switch a display language according to a customer's operation. In this embodiment, the control unit 10C (transaction processing unit 11C) has a suspicion that the current transaction is a fraud-related transaction only when the display language is changed to a foreign language in the fraud-related transaction determination process. It shall be judged. That is, in this embodiment, when the display language is changed to English (foreign language), the control unit 10C (transaction processing unit 11C) also considers other conditions (input transfer amount and transfer destination account number). In this embodiment, the control unit 10C (transaction processing unit 11C) changes the display language from Japanese, and it is determined that there is a suspicion that the current transaction is a fraud-related transaction. If not, it is determined that there is no suspicion that the current transaction is a fraud related transaction, regardless of other conditions.

  Next, operation | movement of ATM100C of 4th Embodiment is demonstrated using the flowchart of FIG. 12, FIG. In the flowcharts of FIGS. 12 and 13, the same reference numerals are given to the same processing steps as those in the flowchart of FIG. 9 described above.

  First, the operation of the control unit 10C (transaction processing unit 11C) when the customer's display language is changed to English will be described with reference to FIG.

  It is assumed that control unit 10C (transaction processing unit 11C) displays a transaction selection screen displayed in Japanese as shown in FIG. 14 on the screen of operation display unit 50 as an initial screen. In FIG. 14, the same objects (buttons) as those in FIG. 4 are given the same reference numerals. As shown in FIG. 14, on the transaction selection screen for Japanese display displayed by the control unit 10C (transaction processing unit 11C), a button B105 for accepting an operation for selecting a display language (operation for switching the display language to English) from the customer. (A button labeled “English”) has been added.

  Here, it is assumed that the button B105 is pressed by the customer, and the control unit 10C (transaction processing unit 11C) switches the display language to English (S401).

  As shown in FIG. 14, the operation of the subsequent steps is the same as that of the third embodiment except that the display language is basically English, so detailed description thereof will be omitted. However, the control unit 10C (transaction processing unit 11C) keeps the fraud alert screen (steps S109 and S302) in Japanese display even when the display language is changed to English. In addition, for other operation screens when the display language is set to English (such as PIN code entry acceptance screen, transfer amount entry acceptance screen, account number entry acceptance processing, etc.), messages and buttons are translated into English respectively. Since it is only content, detailed description is omitted. As with the transaction selection screen shown in FIG. 14, a button for changing the display language to English for other operation screens (such as a password input reception screen, a transfer amount input reception screen, and an account number input reception process). May be arranged.

  Next, the operation of the control unit 10C (transaction processing unit 11C) when the display language remains in Japanese (when the display language is not changed by the customer) will be described with reference to FIG.

  As shown in FIG. 13, when the display language remains in Japanese (when the button for changing the language display to English is not pressed on the transaction selection screen, etc.), this transaction is a fraud related transaction. Since it is determined that there is no suspicion, there is no further processing (steps S106 to S109, S301, S302) related to the fraud alerting screen.

  As described above, in the fourth embodiment, in the fraud related transaction determination process, the determination accuracy of the fraud related transaction determination process can be improved by considering the switching state of the display language.

(E) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

(E-1) In each of the above embodiments, the example in which the transaction apparatus of the present invention is applied to ATM has been described. However, the transaction apparatus may be applied to other transaction apparatuses. For example, the present invention can be applied to a system for performing a transaction in which electronic money or the like is charged (deposited) into a customer's account or a transaction in which electronic money is withdrawn from the customer's account and a product (for example, a ticket for transportation, etc.) is sold. .

(E-2) In the first embodiment, fraud-related transaction determination processing is performed in consideration of the input transfer amount and the transfer destination account number. However, based on the input transfer amount only (transfer account number) The fraud-related transaction determination process may be performed (without considering the above).

(E-3) In 3rd Embodiment, although demonstrated as a structure which stores the installation shop information 21 in the data storage part 20, the structure which memorize | stores the installation shop information 21 is not limited.

  In the third embodiment, the installation store information 21 is described as a fixed value, but the contents may be changed dynamically. For example, in ATM100B, you may make it change the content of the installation shop information 21 according to the preset schedule. For example, in the business hours of the store where the ATM 100B is installed (for example, from 9:00 to 15:00 on weekdays), the installed store information 21 is set as a manned store, and the installed store information 21 is unmanned in other time zones. It may be set in a store.

(E-4) In the fourth embodiment, it has been described that a configuration for performing fraud-related transaction determination processing in consideration of the display language is added to the configuration of the third embodiment. Similarly, you may make it add the structure which performs the fraud relevant transaction determination process which considered the display language to 1st or 2nd embodiment.

(E-5) In the fourth embodiment, even when the display language is changed to English in the ATM 100C, only the fraud alerting screen is displayed in Japanese. However, if only Japanese is displayed on the fraud alerting screen, convenience for customers who can understand only English may be reduced. Therefore, in the ATM 100C of the fourth embodiment, the fraud alerting screen may be written in both Japanese and English.

  For example, in the ATM 100C of the fourth embodiment, the first fraud alerting screen may be replaced with the contents as shown in FIG. Further, for example, in the ATM 100C of the fourth embodiment, the second fraud alerting screen may be replaced with the content shown in FIG. In FIGS. 15 and 16, a message for alerting a transfer fraud written in Japanese and a message written in English (contents translated from Japanese on the same screen in English) are shown together Has been.

  DESCRIPTION OF SYMBOLS 1000 ... Transaction system, 100 ... ATM, 10 ... Control part, 11 ... Transaction processing part, 20 ... Data storage part, 30 ... Communication part, 40 ... Card reader / writer, 50 ... Operation display part, 60 ... Printer for slips, 70 ... passbook processing unit, 80 ... cash processing unit.

Claims (11)

In a transaction device that conducts transactions with users,
Transaction amount input means for receiving input of transaction amount related to the transaction from the user,
At least in consideration of the input transaction amount received by the transaction amount input means, a fraud related transaction determination process for determining whether or not the current transaction with the user is a fraud related transaction related to a fraudulent act is performed. Fraud-related transaction determination means;
When it is determined by the fraud-related transaction determination means that the current transaction with the user is suspected of being fraud-related transaction, an output means for outputting information to call the user about the fraud-related transaction. A transaction apparatus comprising:   The fraud related transaction determination means performs the fraud related transaction determination processing in consideration of whether or not all of the predetermined number of digits in the lower order of the input transaction amount are 0. The transaction device described. Transaction history holding means for holding information on past transaction history with the user;
Further comprising identification information input means for accepting input of identification information relating to the trading partner from the user,
Whether the transaction information held by the transaction history holding means includes a transaction with a trading partner having the same identification information as the input identification information received by the identification information input means. The transaction apparatus according to claim 1, wherein fraud-related transaction determination processing is performed in consideration of whether or not the transaction has occurred. The output means further includes an operation screen providing unit that provides the user with an operation screen capable of displaying and outputting information and accepting operations.
When the current transaction with the user is determined to be suspected to be an unauthorized transaction by the unauthorized transaction determination unit, the output unit controls the operation screen providing unit to The transaction apparatus according to claim 1, wherein the user is provided with an operation screen for invoking the user.   If the current transaction with the user is determined to be suspected to be fraud-related transaction by the fraud-related transaction determination means, the output means is an operation to alert the fraud-related transaction and continue the transaction. The transaction apparatus according to claim 4, wherein the operation screen providing unit is provided with an operation screen capable of accepting.   If the current transaction with the user is determined to be suspected to be fraud-related transaction by the fraud-related transaction determination means, the output means is an operation to alert the fraud-related transaction and stop the transaction. 5. The transaction apparatus according to claim 4, wherein the operation screen providing unit is provided with an operation screen capable of accepting only the operation screen. An installation status information holding means for holding installation status information indicating the status relating to the installation location of the transaction apparatus;
In the case where the fraud related transaction determination means determines that the current transaction with the user is suspected of being fraud related transaction, the output means includes the installation status information held by the installation status information holding means. Correspondingly, the first operation screen that can alert you about fraud-related transactions and accept operations that continue transactions, or accepts only operations that alert you to fraud-related transactions and stop transactions The transaction apparatus according to claim 4, wherein any one of the second operation screens that can be selected is selected and provided to the operation screen providing unit. In the installation status information held by the installation status information holding means, the first set value indicating that a staff member related to the transaction device is arranged at the installation location of the transaction device, or the installation location of the transaction device One of the second setting values indicating that no clerk is assigned to is set,
When the first setting value is set as the installation status information held by the installation status information holding means, the output means selects the second operation screen and selects the operation screen providing unit. If the second setting value is set as the installation status information held by the installation status information holding means, the first operation screen is selected and the operation screen providing unit is selected. The transaction apparatus according to claim 7, wherein the transaction apparatus is provided. The output means includes an operation screen providing unit that provides the user with an operation screen capable of displaying and receiving information, and an operation capable of switching a display language used on the operation screen according to the user's operation. A screen switching unit;
The fraudulent related transaction determination means takes into account whether or not a language switching process for switching from the first language used as a default to the second language has occurred in the operation screen switching unit. The transaction apparatus according to claim 1, wherein transaction determination processing is performed.   The output means, when outputting information that calls attention to fraud-related transactions to the user, outputs the information in the contents written together in the first language and the second language. The transaction apparatus according to claim 9. A computer installed in a transaction device that performs transactions with users,
Transaction amount input means for receiving input of transaction amount related to the transaction from the user,
At least in consideration of the input transaction amount received by the transaction amount input means, a fraud related transaction determination process for determining whether or not the current transaction with the user is a fraud related transaction related to a fraudulent act is performed. Fraud-related transaction determination means;
When the unauthorized transaction determination means determines that the current transaction with the user is suspected to be an unauthorized transaction, the output means outputs information that alerts the user to the unauthorized transaction. A trading program characterized by making it function.

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