JP2014106653A - Processing server and dispensing processing control program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent dispensing money from an account of a transferring destination in a case of a billing fraud.SOLUTION: A bank server 1 receives a processing instruction to decrease a balance of a predetermined account. Based on relation of the balance before the processing of the account for which the processing instruction is received and the amount of the processing, or a specific operation to the account within the predetermined time before the processing instruction, the bank server 1 determines whether processing for lessening the balance of the account is executed. When the bank server 1 determines not executing the processing for lessening the balance of the account, it outputs a screen purporting that the processing for lessening the balance of the account is not executed.

Description

  The present invention relates to a processing server and a withdrawal processing control program.

  There are techniques for suppressing withdrawal from a bank account by an unauthorized third party (see, for example, Patent Document 1, Patent Document 2, and Patent Document 3).

  For example, the cash dispenser authenticates the operator as a right holder even if the PIN is correctly entered according to the exposure of the operator's face taken by the camera that captures the operator. The technology of not doing is known. In such a technique, the cash dispenser suppresses withdrawal from a bank account by an operator who does not authenticate the right holder.

  When the bank center system accepts a withdrawal transaction request from the ATM, it reads the customer history information from the withdrawal behavior pattern history information file, and compares the handling information item from the ATM with the read history information item. To do. If there is no match, the bank center system transmits an e-mail indicating an item to be input as a password corresponding to the number of matching items to the e-mail address of the customer's mobile terminal. A technique is known in which the bank center system performs identity verification based on whether the requested item is correctly input. With such a technique, the bank center system suppresses withdrawal transactions by customers whose requested items are not correctly entered.

JP 2007-220036 A Japanese Patent Application Laid-Open No. 7-311809 JP 2007-249781 A

  Incidentally, there is a transfer fraud as an act of withdrawing money by an unauthorized third party. In the case of bank transfer fraud, there is a problem that it is difficult to suppress withdrawal from the bank account of the transfer destination with the conventional technology.

  Such a problem will be described. In the fraudulent activity pointed out by conventional technology, an unauthorized third party withdraws money directly from the user's account. On the other hand, in the transfer fraud, transfer is performed from a user's own account to a third party's account according to the intention of the user, and the third party withdraws money from the third party's account. In other words, looking at the relationship between the user and the account, since the transfer fraud involves a user-user account and a third party-third party account, the relationship between the user and the account is valid. It is a relationship. Therefore, the method for detecting an unauthorized third party as in the prior art cannot detect a third party having a legitimate account even if it is an unauthorized third party. That is, in the case of a transfer fraud, it is difficult to deter withdrawal from the account of the transfer destination.

  In one aspect, the purpose is to deter withdrawal from a bank account in the case of a transfer fraud.

  The processing server disclosed in the present application includes: a receiving unit that receives a processing instruction for reducing a balance of a predetermined account; a magnitude relationship between a balance before processing and a processing amount of an account for which the processing instruction is received by the receiving unit; A determination unit that determines whether or not to perform a process of decreasing the balance of the account based on any of the specific operations on the account within a predetermined time before the instruction, and the determination unit reduces the balance of the account And an output unit that outputs a screen indicating that the process of decreasing the balance of the account is not performed.

  According to one aspect, in the case of a transfer fraud, it is possible to prevent withdrawal from an account at the transfer destination.

FIG. 1 is a block diagram illustrating the configuration of the bank server system according to the first embodiment. FIG. 2 is a diagram illustrating an example of the data structure of the account DB. FIG. 3 is a diagram illustrating an example of the data structure of the access log. FIG. 4 is a diagram showing a flowchart of the withdrawal process at the ATM. FIG. 5 is a diagram illustrating a flowchart of the determination process in the bank server. FIG. 6 is a diagram illustrating a flowchart of the calculation process. FIG. 7 is a diagram showing a flowchart of the withdrawal process at the window. FIG. 8A is a diagram illustrating a specific example of a withdrawal determination in the case of a transfer fraud. FIG. 8B is a diagram illustrating a specific example of the withdrawal determination in the case of no transfer fraud. FIG. 9 is a block diagram illustrating the configuration of the bank server system according to the second embodiment. FIG. 10 is a diagram illustrating an example of a computer that executes a withdrawal processing control program.

  Embodiments of a processing server and a withdrawal processing control program disclosed in the present application will be described below in detail with reference to the drawings. The present invention is not limited to the embodiments.

[Configuration of Bank Server System According to Embodiment 1]
FIG. 1 is a block diagram illustrating the configuration of the bank server system according to the first embodiment. As shown in FIG. 1, the bank server system 9 includes a bank server 1, a bank DB (DataBase) 2, an automatic teller machine (ATM) 3, and a terminal 4. The bank server 1 is connected to the bank DB 2. Further, the bank server 1 is connected to the ATM 3 of each branch via the bank network 5. The bank server 1 is connected via a bank network 5 to a terminal 4 for an operator at each branch office to access data. FIG. 1 shows a state in which the bank server 1 is connected to, for example, a plurality of ATMs 3 at a branch A and a terminal 4 at the branch A via a bank network 5.

  Here, the bank server 1 determines whether or not the account for which the instruction has been made is a bank transfer for use in a transfer fraud when the ATM 3 instructs the withdrawal process. If the bank server 1 determines that the account has been used for a transfer fraud, the bank server 1 rejects the withdrawal process for the account. As an example, whether or not the account has been used for transfer fraud is a deposit operation within a predetermined time before the withdrawal instruction, or a balance inquiry many times within the predetermined time before the withdrawal instruction. It is judged by having. This is because if the victim of the transfer fraud transfers money, the transfer fraud criminals tend to process the withdrawal as soon as the deposit is made, and repeatedly check whether the deposit has been made. This is because there is a tendency. Further, as another example, whether or not the account has been used for transfer fraud is determined based on the magnitude relationship between the balance before withdrawal and the withdrawal amount. This is because the criminals of the transfer fraud tend to cash the money transferred to the account and withdraw the amount of money almost the same as the balance before the payment after the transfer. As described above, when the bank server 1 determines that the account has been used for transfer fraud based on various conditions, the bank server 1 suppresses withdrawal from the account. Various conditions will be further described later.

  The bank DB 2 has an account DB 21 and an access log 22. The account DB 21 manages information on individual accounts. The access log 22 stores, as a log, that there is an access for each individual account and for each access to the account. Access to the account includes, for example, when there is a deposit, when there is a withdrawal, when there is a remittance, and when there is a balance inquiry. The data structures of the account DB 21 and access log 22 will be described later.

  The bank server 1 has a control unit 10. The control unit 10 includes a balance processing unit 11, a determination unit 12, and a calculation unit 13. The control unit 10 is, for example, an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA) or an electronic circuit such as a central processing unit (CPU) or a micro processing unit (MPU). The bank server 1 is provided with a processing unit that performs various functions. Here, only the part related to the withdrawal process and the balance inquiry will be described. The determination unit 12 included in the control unit 10 is an example of a reception unit, a determination unit, and an output unit. The calculation unit 13 included in the control unit 10 is an example of a determination unit.

  The balance processing unit 11 performs a balance inquiry process for the account for which an inquiry has been made. For example, when the balance processing unit 11 receives a balance inquiry inquiry from the ATM 3, the balance processing unit 11 reads the balance of the account for which the balance inquiry is performed from the account DB 21. Then, the balance processing unit 11 transmits the read balance as an inquiry result to the inquiring ATM 3. At this time, the balance processing unit 11 writes in the access log 22 that there has been a balance inquiry for the account for which the balance inquiry has been made.

  Here, the data structure of the account DB 21 will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of the data structure of the account DB. As shown in FIG. 2, the account DB 21 stores a personal identification number 21b, name 21c, date of birth 21d, address postal code 21e, and telephone number 21f in association with the account number 21a. Further, the account DB 21 stores an account opening date 21g, the number of transactions 21h, a balance 21i, a balance before deposit 21j, and a withdrawal permission / denial flag 21k in association with the account number 21a. The account number 21a is a number that can uniquely identify an account.

  The personal identification number 21b indicates a personal identification number for the account. The name 21c indicates the name of the account user. The date of birth 21d indicates the date of birth of the account user. The address postal code 21e and the telephone number 21f indicate the address, postal code and telephone number of the account user. The account opening date 21g indicates the date when the account was opened. The number of transactions 21h indicates the number of transactions. The transaction means that the amount of money in the account has increased or decreased, and there are transactions related to cash withdrawal (withdrawal) and transactions related to transfer (payment and remittance). Transactions related to transfer include remittance when transferred as a transfer source, and payment when transferred as a transfer destination. The balance 21i indicates the balance of the account.

  The balance before deposit 21j stores the balance before deposit when the deposit is made. The withdrawal permission / refusal flag 21k is a flag indicating whether withdrawal is permitted or not. For example, in the withdrawal permission / denial flag 21k, “1” indicating “true” is set when withdrawal is permitted, and “0” indicating “false” is set when withdrawal is not permitted. It is assumed that “1” indicating “true” is set in the withdrawal permission / denial flag 21k as an initial value.

  As an example, when the account number 21a is “1234567”, “XXXX” as the personal identification number 21b, “Taro Yamada” as the name 21c, “YYYYMMDD” as the date of birth 21d, and “123-4567” as the address postal code 21e. I remember it. Furthermore, “03-1234-5678” as the telephone number 21f, “YYYY / MM / DD” as the account opening date 21g, “0” as the number of transactions 21h, “1,000” as the balance 21i, and “1,000” as the balance 21j before depositing “0” and “1” are stored as the withdrawal permission / denial flag 21k.

  The data structure of the access log 22 will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of the data structure of the access log. As shown in FIG. 3, the access log 22 stores the account number 22b, the store number 22c, the access type 22d, the transaction amount 22e, the deposit source account number 22f, and the deposit source store number 22g in association with the access time 22a. The access time 22a indicates the year / month / day / hour / minute / second when the access was made.

  The account number 22b indicates the number of the account that has been accessed. The store number 22c indicates a number that uniquely represents the store that is accessed when it is accessed independently by the account user. The access type 22d indicates the type of access. The access type includes, for example, “0” indicating that there is a deposit, “1” indicating that there is a withdrawal, “2” indicating that there is a remittance, and “when there is a balance inquiry”. 3 ”. In the access type 22d, the case where it is accessed voluntarily by the account user means that there is a withdrawal, a remittance, or a balance inquiry. Accordingly, the store number 22c is set when there is a withdrawal, a remittance, or a balance inquiry. The transaction amount 22e indicates a transaction amount when there is a transaction. The deposit source account number 22f indicates the account number of the deposit source when there is a deposit. The deposit source store number 22g indicates the number of the store to which remittance was performed at the deposit source when there was a deposit.

  As an example, when the access time 22a is “YYYY / MM / DD hh: mm: ss”, the account number 22b is stored as “123457”, the store number 22c is blank, and the access type 22d is stored as “0” (payment). ing. Furthermore, “100,000” is stored as the transaction amount 22e, “9999999” as the deposit source account number 22f, and “987” as the deposit source store number 22g.

  Returning to FIG. 1, the determination unit 12, together with the calculation unit 13, determines whether or not the withdrawal process inquired is permitted. Whether or not the withdrawal process is permitted is determined according to various conditions determined from the tendency of the withdrawal process performed by the transfer fraud. For example, the trend of deposit / withdrawal processing is as follows. (Trend 0) The amount of money deposited and the amount of money withdrawn are high (for example, 200,000 yen or more). This is because if the deposit amount and withdrawal amount are high, it is presumed that there is a tendency of deposit / withdrawal processing performed by a transfer fraud. (Trend 1) The date is still shallow (for example, within a month) since the transfer account opened. This is because wire fraud criminals tend to think that the shorter the number of days since opening an account, the lower the risk. (Trend 2) The number of past transactions in the bank account at the transfer destination is small (for example, 0 in many cases). This is because wire fraud criminals tend to think that the less the number of transactions for the same account, the lower the risk. (Trend 3) The balance of the account at the transfer destination is a small amount (for example, within several tens of thousands of yen) before the deposit. This is because it is presumed that the account used for the transfer fraud has a small balance before being deposited.

  (Trend 4) Before the withdrawal process is performed, the balance inquiry is performed several times (for example, once or more within 30 minutes). This is because the transfer fraud culprit tends to inquire the balance many times in order to confirm whether or not the deposit has been made. (Trend 5) The withdrawal process is started within a short time (for example, within 30 minutes) after the deposit. This is because criminals of wire fraud tend to process withdrawals as soon as payment is made. (Trend 6) The deposit source account of the previous transaction and the bank store of the previous transaction are the same as the current transaction, and the time between the previous transaction and the current transaction is short, for example, within one day. This is because the criminals of wire fraud tend to make the transfer once more to the victim who has made the transfer.

  (Trend 7) The amount with which the balance hardly remains is withdrawn (for example, the remaining amount is 10,000 yen or less). This is because the criminals of the transfer fraud tend to cash the money transferred to the account and withdraw the amount of money almost the same as the balance before the payment after the transfer. In addition, it is (trend 4) to (trend 6) that the tendency of the transfer fraud is prominent among (trend 0) to (trend 7). The tendency seen even if it is not a transfer fraud in (trend 0) to (trend 7) is estimated to be (trend 1) to (trend 3) and (trend 7).

  For example, when the determination unit 12 receives an inquiry about whether or not withdrawal processing is permitted from the ATM 3, for the account for which the withdrawal processing is permitted, the amount of money deposited into the account and the withdrawal that is about to be withdrawn from the account. It is determined whether the amount of money is equal to or greater than a predetermined amount. That is, using the condition determined from (Tendency 0), the determination of whether or not the withdrawal process is permitted is started. The predetermined amount is, for example, 200,000 yen, but may be an amount that is set based on an empirical rule by the bank, or may be automatically changeable. Then, if the deposit amount and the withdrawal amount are equal to or greater than the predetermined amount, the determination unit 12 causes the calculation unit 13 described later to calculate points used for determining whether or not the withdrawal process is permitted. This point is a point scored using each condition determined from the trends 1 to 7 of the deposit / withdrawal process.

  Further, if the calculated point is equal to or greater than the threshold value, the determination unit 12 notifies the inquiry source ATM 3 of the inquiry result indicating that the withdrawal process is not permitted. On the other hand, if the calculated point is less than the threshold, the determination unit 12 notifies the inquiry source ATM 3 of the inquiry result indicating that the withdrawal process is permitted. That is, the determination unit 12 determines, based on the points, whether or not the account has been used for a transfer fraud. If the points are equal to or greater than a threshold, withdrawal from the account is suppressed.

  Here, the threshold value is a boundary value for determining whether or not it is a transfer fraud. For example, the threshold value may be a value larger than the maximum value scored using a tendency (condition) that is seen even if it is not a transfer fraud. That is, the threshold value may be a value that is larger than the maximum value scored using conditions determined from (Trend 1) to (Trend 3) and (Trend 7).

  The calculation part 13 points each according to the various conditions defined from the tendency of deposit / withdrawal processing, and sums up each point made into points.

  For example, the calculation unit 13 calculates the point P4 using the balance inquiry count within a predetermined time before the withdrawal instruction for an account for which the withdrawal processing is permitted. That is, points are calculated using the conditions determined from (Trend 4). The method for calculating the point P4 will be described later. Further, the calculation unit 13 calculates the point P5 using the time difference between the time when the withdrawal instruction is given and the time when the deposit is made for the account for which the withdrawal processing is permitted. That is, points are calculated using the conditions determined from (Trend 5). A method for calculating the point P5 will be described later.

  Moreover, the calculation part 13 calculates the point P7 using the magnitude relationship between the balance before withdrawal and the withdrawal amount when the withdrawal is made after the deposit. That is, points are calculated using the conditions determined from (Trend 7). A method for calculating the point P7 will be described later. Further, when the account number of the deposit source of the previous transaction and the store number of the deposit source are the same, the calculation unit 13 calculates the point P6 using the time difference between the time of the previous deposit and the time of the present deposit. . That is, points are calculated using the conditions determined from (Trend 6). A method for calculating the point P6 will be described later.

  Moreover, the calculation part 13 calculates the point P1 using the number of days from account opening to today. That is, points are calculated using the conditions determined from (Trend 1). A method for calculating the point P1 will be described later. Moreover, the calculation part 13 calculates the point P2 using the past transaction frequency. That is, points are calculated using the conditions determined from (Trend 2). The method for calculating the point P2 will be described later.

  Moreover, the calculation part 13 calculates the point P3 using the balance before depositing. That is, points are calculated using the conditions determined from (Trend 3). A method for calculating the point P3 will be described later. Moreover, the calculation part 13 adds up the points from the point P1 to the point P7. Then, the calculation unit 13 notifies the determination unit 12 of the added points.

  The ATM 3 has a withdrawal processing unit 31 and a balance inquiry unit 32. Note that the ATM 3 is provided with a processing unit that performs various functions, but only the portion related to the withdrawal process and the balance inquiry will be described here.

  The withdrawal processing unit 31 inquires of the bank server 1 whether or not the withdrawal processing is permitted when a withdrawal instruction is given. Then, if the withdrawal process is permitted as a result of the inquiry, the withdrawal processing unit 31 executes the withdrawal process corresponding to the withdrawal instruction. That is, the withdrawal processing unit 31 withdraws the amount of money specified by the withdrawal instruction. On the other hand, when the withdrawal process is not permitted as a result of the inquiry, the withdrawal processing unit 31 displays on the screen that the withdrawal process is not permitted. As an example, the screen will display a withdrawal process such as “It is not possible to handle at ATM. Please process at a bank counter. Please prepare something that proves your identity.” A message prompting you to do is displayed. That is, the withdrawal processing unit 31 stops the withdrawal process of the money with the withdrawal amount specified in the withdrawal instruction immediately before the withdrawal.

  When there is an instruction for balance inquiry, the balance inquiry unit 32 inquires of the bank server 1 about the balance of the account for which the instruction has been given. Then, the balance inquiry unit 32 displays the balance indicated by the inquiry result on the screen.

  The terminal 4 has a withdrawal processing unit 41. The terminal 4 is provided with a processing unit that performs various functions. Here, only a part related to the withdrawal process will be described. The withdrawal processing unit 41 performs withdrawal processing on the account of the user whose identity is verified by the operator. At this time, the withdrawal processing unit 41 sets “1” indicating that withdrawal is permitted to the withdrawal permission / refusal flag 21k stored in the account DB 2 and corresponding to the account permitted to withdraw.

[Payment procedure at ATM]
Next, the procedure of the withdrawal process at ATM 3 will be described with reference to FIG. FIG. 4 is a diagram showing a flowchart of the withdrawal process at the ATM.

  First, the withdrawal processing unit 31 determines whether or not the instruction from the ATM 3 is a withdrawal instruction (step S11). When it determines with it not being a payment instruction | indication (step S11; No), the payment processing part 31 determines whether the instruction | indication from ATM3 is a balance inquiry (step S12). When it determines with it being a balance inquiry (step S12; Yes), the balance inquiry part 32 performs a balance inquiry process (step S13). That is, the balance inquiry unit 32 inquires of the bank server 1 about the balance of the instructed account, and displays the balance indicated by the inquiry result on the screen. On the other hand, when it determines with it not being a balance inquiry (step S12; No), the balance inquiry part 32 complete | finishes a process.

  On the other hand, when it determines with it being a payment instruction | indication (step S11; Yes), the payment | withdrawal process part 31 inquires the bank server 1 of the permission or non-permission of payment (step S14). For example, the withdrawal processing unit 31 transmits to the bank server 1 a withdrawal permission inquiry request including an account number, a withdrawal amount, and the current time.

  When the withdrawal processing unit 31 accepts the withdrawal permission / denial flag as the inquiry result, the withdrawal processing unit 31 determines whether or not the withdrawal permission / refusal flag is “true” (step S15). If it is determined that the withdrawal permission / refusal flag is “true” (Yes) (step S15; Yes), the withdrawal processing unit 31 executes a withdrawal process (step S16). That is, the withdrawal processing unit 31 withdraws the amount of money specified by the withdrawal instruction. On the other hand, if it is determined that the withdrawal permission / refusal flag is not “true” (step S15; No), the withdrawal processing unit 31 displays the fact that the withdrawal processing at ATM3 is not permitted. A guide to the window is displayed (step S17).

  As a result, the transfer fraud culprit or the child used for the transfer fraud seems to hesitate to withdraw money at the bank counter, and as a result, the damage of the transfer fraud is minimized.

[Procedure for judgment processing on the bank server]
Next, the procedure of the determination process in the bank server 1 will be described with reference to FIG. FIG. 5 is a diagram illustrating a flowchart of the determination process in the bank server. Assume that the determination unit 12 has received a withdrawal permission inquiry request including an account number, a withdrawal amount, and the current time from the ATM 3.

  The determination unit 12 determines whether the withdrawal permission flag is “true” (permitted) for the account number included in the inquiry request (step S21). For example, the determination unit 12 reads the withdrawal permission / denial flag 21k corresponding to the corresponding account number 21a from the account DB 21, and determines whether or not the value of the retrieved withdrawal permission / denial flag 21k is “1”.

  If it is determined that the withdrawal permission / refusal flag is not “true” (No) (step S21; No), the determination unit 12 ends the process to transmit to ATM3 an inquiry result indicating that the withdrawal process is not permitted. To do. For example, the determination unit 12 transmits the value of the withdrawal permission / denial flag 21k to the inquiring ATM 3.

  On the other hand, when it is determined that the withdrawal permission / refusal flag is “true” (Yes) (step S21; Yes), the determination unit 12 determines whether the deposit amount is equal to or greater than the predetermined amount and the withdrawal amount is equal to or greater than the predetermined amount. Is determined (step S22). That is, such a condition is a condition determined from (trend 0). For example, the determination unit 12 obtains the latest record from the information of the corresponding account number 22b stored in the access log 22 and before the current time included in the inquiry request and the access type 22d is deposit (0). read out. Then, the calculation unit 13 extracts the transaction amount 22e as the deposit amount from the read record. Then, the determination unit 12 determines whether or not the extracted deposit amount is equal to or greater than the predetermined amount and the withdrawal amount included in the inquiry request is equal to or greater than the predetermined amount. The predetermined amount is, for example, 200,000 yen, but may be an amount that is set based on a rule of thumb by the bank.

  When it is determined that the deposit amount is equal to or greater than the predetermined amount and the withdrawal amount is not equal to or greater than the predetermined amount (step S22; No), the determination unit 12 performs a process to transmit an inquiry result to permit the withdrawal process to ATM3. Exit. For example, the determination unit 12 transmits the value of the withdrawal permission / denial flag 21k as an inquiry result to the ATM 3 as the inquiry source.

  On the other hand, when it is determined that the deposit amount is equal to or greater than the predetermined amount and the withdrawal amount is equal to or greater than the predetermined amount (step S22; Yes), the determination unit 12 causes the calculation unit 13 to execute point calculation processing (step S23). That is, the determination unit 12 causes the calculation unit 13 to calculate points used for determining whether or not the withdrawal process is permitted. And the determination part 12 determines whether the point which is the result calculated by the calculation part 13 is more than a threshold value (step S24).

  When the point is equal to or greater than the threshold value (step S24; Yes), the determination unit 12 sets the withdrawal permission / denial flag to “false” (not permitted) (step S25). For example, the determination unit 12 sets the value of the withdrawal permission / denial flag 21k corresponding to the corresponding account number 21a in the account DB 21 to “0”. Thereafter, the determination unit 12 ends the process so as to transmit an inquiry result indicating that the withdrawal process is not permitted to the ATM 3. For example, the determination unit 12 transmits the value of the withdrawal permission / denial flag 21k as an inquiry result to the ATM 3 as the inquiry source.

  On the other hand, when the point is less than the threshold value (step S24; No), the determination unit 12 ends the process so as to transmit to the ATM 3 an inquiry result indicating that the withdrawal process is permitted. For example, the determination unit 12 transmits the value of the withdrawal permission / denial flag 21k as an inquiry result to the ATM 3 as the inquiry source.

[Calculation procedure on bank server]
Next, the point calculation process shown in step S23 of FIG. 5 will be described with reference to FIG. FIG. 6 is a diagram illustrating a flowchart of the calculation process. The calculation unit 13 receives the account number, the withdrawal amount, and the current time included in the inquiry request from the determination unit 12.

The calculation unit 13 calculates the point P1 using the number of days from the transfer destination account opening to today (step S31). That is, this condition is a condition determined from (Trend 1). The calculation formula for calculating the point P1 is as shown in the formula (1) as an example. In the formula (1), if the account is used for wire fraud, the maximum number of days from the opening of the account to today is 30 days.
P1 = (30 + 2- [number of days from opening an account to today]) / 3 Formula (1)

  For example, the calculation unit 13 reads the account opening date 21g corresponding to the corresponding account number 21a in the account DB 21, and uses the read account opening date 21g and the current time to calculate [number of days from account opening to today]. calculate. And the calculation part 13 substitutes the calculated days in Formula (1), and calculates P1. P1 takes a value from 0 to 10. That is, if the number of days from account opening to today is between the 0th and the 2nd, P1 has a maximum value of 10.

Subsequently, the calculation unit 13 calculates the point P2 using the past number of transactions (step S32). That is, this condition is a condition determined from (Trend 2). The calculation formula for calculating the point P2 is as shown in the formula (2) as an example. In Expression (2), if the account is used for wire fraud, the maximum number of past transactions is 10 times.
P2 = 10-number of transactions: Formula (2)

  For example, the calculation unit 13 reads the number of transactions 21h corresponding to the corresponding account number 21a in the account DB 21, and calculates P2 by substituting the read value into Equation (2). P2 takes a value from 0 to 10. That is, if the number of past transactions is 0, P2 has a maximum value of 10.

Subsequently, the calculation unit 13 calculates the point P3 using the balance before the deposit (Step S33). That is, this condition is a condition determined from (Trend 3). The calculation formula for calculating the point P3 is as shown in Formula (3) as an example. In Expression (3), if the account is used for wire fraud, the maximum balance before deposit is 10,000 yen.
P3 = (10,000−Balance before deposit) / 1,000 Formula (3)

  For example, the calculation unit 13 reads the balance before deposit 21j corresponding to the corresponding account number 21a in the account DB 21, and substitutes the read value into the equation (3) to calculate P3. P3 takes a value from 0 to 10. That is, if the balance before deposit is 0 yen, P3 becomes the maximum value of 10.

Subsequently, the calculation unit 13 calculates the point P4 using the balance inquiry count within 30 minutes before the withdrawal instruction (step S34). That is, this condition is a condition determined from (Trend 4). The calculation formula for calculating the point P4 is as shown in Formula (4) as an example. In the formula (4), if the account is used for the transfer fraud, the maximum number of balance inquiries within 30 minutes before the withdrawal instruction is assumed to be 7 or more.
P4 = (Balance inquiry count within 30 minutes-1) × 5 Expression (4)

  For example, from the information of the corresponding account number 22a stored in the access log 22, the calculation unit 13 records within 30 minutes before the current time included in the inquiry request, and the access type 22d indicates the balance inquiry (3) Count the number of records that are. And the calculation part 13 substitutes the number of records to Formula (4), and calculates P4. P4 takes a value from 0 to 30. That is, if the balance inquiry count within 30 minutes before the withdrawal instruction is 7 times or more, P4 becomes the maximum value 30.

Subsequently, the calculation unit 13 calculates a point P5 using a time difference from when the money is deposited until when the money is withdrawn (step S35). That is, this condition is a condition determined from (Trend 5). The calculation formula for calculating the point P5 is, for example, as shown in the formula (5). In the formula (5), in the case of an account used for a transfer fraud, the maximum time difference from depositing to withdrawal is 30 minutes.
P5 = 30− (withdrawal time−payment time) (5)

  For example, from the information of the corresponding account number 22a stored in the access log 22, the calculation unit 13 obtains the latest record before the current time included in the inquiry request and the access type 22d is deposit (0). read out. Then, the calculation unit 13 extracts the access time 22a from the read record. Then, the calculation unit 13 substitutes the current time included in the inquiry request for the withdrawal time of Expression (5), substitutes the access time 22a for the payment time of Expression (5), and calculates the point P5. P5 takes a value from 0 to 30. That is, if the time difference between the withdrawal time and the deposit time is 0, P5 has a maximum value of 30.

  Subsequently, the calculation unit 13 determines whether or not the deposit source account number of the previous transaction and the deposit source store number of the previous transaction are the same (step S36). For example, from the information of the corresponding account number 22b stored in the access log 22, the calculation unit 13 determines the latest record before the current time included in the inquiry request and the access type 22d is deposit (0). Read the record from the last one. Then, the calculation unit 13 extracts the deposit source account number 22f and the deposit source store number 22g from the read latest record. The calculation unit 13 extracts the deposit source account number 22f and the deposit source store number 22g from the record immediately before the read-out record. Then, the calculation unit 13 compares the deposit source account number 22f and the deposit source store number 22g respectively extracted from the latest record and the record immediately before the latest record, and determines whether or not they are the same.

When it is determined that the deposit source account number of the previous transaction and the deposit source store number of the previous transaction are not the same (step S36; No), the calculation unit 13 proceeds to step S38 to shift to the next determination condition. On the other hand, when it is determined that the deposit source account number of the previous transaction and the deposit source store number of the previous transaction are the same (step S36; Yes), the calculation unit 13 calculates the time of the last deposit and the time of the present deposit. The point P6 is calculated using the time difference (step S37). That is, this condition is a condition determined from (Trend 6). The calculation formula for calculating the point P6 is as shown in Formula (6) as an example. In the formula (6), if the account is used for a transfer fraud, the maximum time difference between the current transaction related to the deposit and the previous transaction is 24 hours.
P6 = 24- (Current transaction time-Previous transaction time) (6)

  For example, the calculation unit 13 extracts the access time 22a from the most recent record whose access type 22d is deposit (0). The calculation unit 13 extracts the access time 22a from the record immediately before the most recent record whose access type 22d is deposit (0). Then, the calculation unit 13 calculates the time difference between the access times 22a extracted from the most recent record and the record immediately before the most recent record. Then, the calculation unit 13 calculates P6 by substituting the calculated time difference into Expression (6). P6 takes a value from 0 to 24. That is, if the time difference is 0, P6 has a maximum value of 24.

Subsequently, the calculation unit 13 calculates the point P7 using the balance when the withdrawal is made (step S38). That is, this condition is a condition determined from (Trend 7). The calculation formula for calculating the point P7 is, for example, as shown in the formula (7).
P7 = (10,000−balance) / 1,000 (7)

  For example, the calculation unit 13 reads the balance 21 i corresponding to the corresponding account number 21 a in the account DB 21. The balance 21i here is the balance after deposit if it is after deposit. Then, the calculation unit 13 subtracts the withdrawal amount included in the inquiry request from the read balance 21i. This subtraction value is the balance when the withdrawal is made. And the calculation part 13 substitutes a subtraction value for Formula (7), and calculates P7. P7 takes a value of 0 to 10. That is, if the balance when it is withdrawn is 0 yen, P7 has a maximum value of 10.

  And the calculation part 13 adds up the points from the point P1 to the point P7 (step S39). Thereafter, the calculation unit 13 returns the added points to the determination unit 12.

  Note that the threshold used by the determination unit 12 to determine whether or not the withdrawal process is permitted may be, for example, “41 points” when the various conditions of the calculation unit 13 are used. That is, what is suspicious as a transfer fraud even under the single condition among the various conditions of the calculation unit 13 is a condition represented by the equations (4) to (6). On the other hand, the conditions expressed by the expressions (1) to (3) and (7), which are other conditions, are the conditions that can be seen even when it is not a transfer fraud. Therefore, a value obtained by adding 1 to the maximum value 40 obtained from the condition seen even if it is not a transfer fraud may be used as the threshold value.

[Procedure for withdrawal process at the counter]
Next, the procedure of the withdrawal process at the window terminal 4 will be described with reference to FIG. FIG. 7 is a diagram showing a flowchart of the withdrawal process at the window.

  It is determined whether confirmation of the identification card or the like is OK (step S41). If it is determined that the confirmation of the identification card or the like is OK (step S41; Yes), the withdrawal processing unit 41 sets the withdrawal permission / denial flag to “true” (step S42). That is, even if the withdrawal processing unit 31 at ATM 3 inquires the bank server 1 about whether or not the withdrawal instruction is permitted, even if the withdrawal processing is not permitted, the withdrawal processing is performed during the withdrawal processing at the counter. The permission / refusal flag is set to “true”. For example, when receiving the account number, the withdrawal determination unit 41 sets the value of the withdrawal permission / denial flag 21k corresponding to the corresponding account number 21a in the account DB 21 to “1”.

[Specific example of withdrawal determination]
Next, a specific example of the withdrawal determination in the bank server 1 will be described with reference to FIGS. 8A and 8B. FIG. 8A is a diagram illustrating a specific example of a withdrawal determination in the case of a transfer fraud. FIG. 8B is a diagram illustrating a specific example of the withdrawal determination in the case of no transfer fraud.

  As shown in FIG. 8A, it is assumed that a withdrawal instruction of 201,000 yen has been issued from an account with an account number “1234567” at 2012/11/1/14: 30. The upper diagram of FIG. 8A shows the contents of the account DB 21 of the account that has been instructed to withdraw money at the time of 14/31/2012 14:30. The lower part of FIG. 8A shows the contents of the access log 22 related to the account for which the withdrawal instruction is currently given at 2012/1/1 14:30. That is, it is recorded in the final log a1 that there was a deposit (transfer) with a transaction amount of 200,000 yen.

  The determination unit 12 of the bank server 1 determines whether the deposit amount is 200,000 yen or more and the withdrawal amount is 200,000 yen or more. Here, the most recently deposited amount is 200,000 yen indicated by the transaction amount 22e of a1 in the access log 22. The withdrawal amount is a withdrawal amount of 201,000 yen for which a withdrawal instruction has been issued. Therefore, the determination unit 12 determines that both the deposit amount and the withdrawal amount are 200,000 yen or more, and causes the calculation unit 13 to calculate a point calculation process.

  And the calculation part 13 calculates the point P1 using the days from the account opening of a transfer place to today. Here, since the account opening date 21g corresponding to the account number “1234567” in the account DB 21 is “2012/9/1” and the current date is “2012/11/1”, from the transfer destination account opening to today The number of days is 61 days. Therefore, P1 calculated from the equation (1) is ((30 + 2-61) / 3 =) 0 points.

  And the calculation part 13 calculates the point P2 using the past transaction frequency. Here, the number of transactions 21h corresponding to the account number “1234567” in the account DB 21 is 10 times. Therefore, P2 calculated from the equation (2) is (10-10 =) 0 points.

  And the calculation part 13 calculates the point P3 using the balance before money_receiving | payment. Here, the balance 21j before deposit corresponding to the account number “1234567” in the account DB 21 is 1,000 yen. Therefore, P3 calculated from the equation (3) is ((10,000-1,000) / 1,000 =) 9 points.

  And the calculation part 13 calculates the point P4 using the balance inquiry frequency within 30 minutes before a payment instruction | indication. Here, since the time of the withdrawal instruction is “2012/11/1 14:30”, the balance inquiry count within 30 minutes before the withdrawal instruction is three times a2, a3, a4 in the access log 22. It is. Therefore, P4 calculated from the equation (4) is ((3-1) × 5 =) 10 points.

  And the calculation part 13 calculates the point P5 using the time difference after it deposits and withdraws. Here, the most recently deposited time is “2012/11/1 14:25” indicated by a1 in the access log 22. The time of the withdrawal instruction is “2012/11/1 14:30”. The time difference between deposit and withdrawal is 5 minutes. Therefore, P5 calculated from the equation (5) is (30-5 =) 25 points.

  And the calculation part 13 determines whether the money_receiving | payment origin account number and the money_receiving | payment origin shop number of the present transaction and the last transaction regarding payment are the same. Here, the deposit source account number and deposit source store number of the current transaction relating to deposit are “9999999” and “987” indicated by a1 in the access log 22. The deposit source account number and deposit source store number of the previous transaction related to deposit are “9999999” and “987” indicated by a6 in the access log 22. Therefore, the calculation unit 13 determines that the deposit source account number and the deposit source store number of the current transaction related to deposit and the previous transaction are the same.

  And the calculation part 13 calculates the point P6 using the time difference of the time deposited last time and the time deposited this time. In this case, the time of the current deposit is the access time 22a “2012/11/1 14:25” indicated by a1 in the access log 22. The time of the last deposit is the access time 22a “2012/10/31 13:00” indicated by a6 in the access log 22. The time difference between the time of the last deposit and the time of the present deposit has passed 25 hours or more. Therefore, P6 calculated from the equation (6) is (24-25 =) 0 points.

  And the calculation part 13 calculates the point P7 using the balance at the time of withdrawing. Here, the balance 21i corresponding to the account number “1234567” of the account DB 21 is 201,000 yen, and the withdrawal amount for which the withdrawal instruction is given is 201,000 yen. If the withdrawal is made, the balance is 0 yen. Therefore, P7 calculated from the equation (7) is ((10,000-0) / 1,000 =) 10 points.

  And the calculation part 13 adds up the points from the point P1 to the point P7. Here, P1, P2, and P6 are all 0 points, P3 is 9 points, P4 is 10 points, P5 is 25 points, and P7 is 10 points, so the total points are 54 points.

  And the determination part 12 determines whether a summation point is more than a threshold value. Here, it is assumed that the threshold value is 41 points. Then, the determination unit 12 determines that the total point (54) is equal to or greater than the threshold (41), and transmits an inquiry result indicating that the withdrawal process is not permitted to the ATM 3 that has made the inquiry. As a result, the withdrawal process at ATM3 is stopped.

  In this way, in the case of a transfer fraud, it is possible to suppress withdrawal from the account of the transfer destination.

  As shown in FIG. 8B, it is assumed that there is an instruction to withdraw 100,000 yen from an account with an account number “76554321” at 2012/1/1 14:30. In FIG. 8B, it is assumed that, for example, a college student who has left his / her parent has opened an account and the parent has initially transferred 200,000 yen. The upper diagram of FIG. 8B shows the contents of the account DB 21 of the account that has been instructed to withdraw money at the time of 14/31/2012 14:30. The lower diagram of FIG. 8B shows the contents of the access log 22 related to the account for which a withdrawal instruction was given at the time of 2012/11/1/14: 30. That is, it is recorded in the final log b1 that there was a deposit (transfer) with a transaction amount of 200,000 yen.

  The determination unit 12 of the bank server 1 determines whether the deposit amount is 200,000 yen or more and the withdrawal amount is 200,000 yen or more. Here, the most recently deposited amount is 200,000 yen indicated by the transaction amount 22e in b1 in the access log 22. The withdrawal amount is 100,000 yen with which the withdrawal instruction is given. Therefore, the determination unit 12 transmits the inquiry result that the withdrawal process is permitted to the ATM 3 as the inquiry source because the deposit amount is 200,000 yen or more but the withdrawal amount is not 200,000 yen or more. . As a result, the withdrawal process at ATM3 is performed.

  It has been described that the determination unit 12 determines whether or not the deposit amount to the account and the withdrawal amount from the account are equal to or greater than a predetermined amount for the account that determines whether or not the withdrawal process is permitted. However, the determination unit 12 is not limited to this, and in order to make the conditions stricter, with respect to an account that determines whether or not the withdrawal process is permitted, either the deposit amount to the account or the withdrawal amount from the account is determined. It may be determined whether or not it is a predetermined amount or more. Even in such a case, since the summation point in the case of the transfer fraud shown in FIG. 8A does not change, the determination unit 12 determines that the summation point (54) is equal to or greater than the threshold (41), and the withdrawal process Is sent to the inquiring ATM 3. As a result, the withdrawal process at ATM3 is stopped. On the other hand, the total points when the transfer fraud shown in FIG. 8B is not performed are calculated as follows.

  The determination unit 12 of the bank server 1 determines whether the deposit amount is 200,000 yen or more or the withdrawal amount is 200,000 yen or more. Here, the most recently deposited amount is 200,000 yen indicated by the transaction amount 22e in b1 in the access log 22. The withdrawal amount is 100,000 yen with which the withdrawal instruction is given. Accordingly, the determination unit 12 causes the calculation unit 13 to calculate the point calculation process because the deposit amount is less than 200,000 yen but the deposit amount is 200,000 yen or more.

  The calculation unit 13 calculates the point P1 using the number of days from the opening of the account at the transfer destination to today. Here, since the account opening date 21g corresponding to the account number “7654321” in the account DB 21 is “2012/10/31” and the current date is “2012/11/1 /”, from the account opening of the bank account to today The number of days is one day. Therefore, P1 calculated from the equation (1) is ((30 + 2-1) / 3 =) 10 points.

  And the calculation part 13 calculates the point P2 using the past transaction frequency. Here, the number of transactions 21h corresponding to the account number “7654321” in the account DB 21 is zero. Therefore, P2 calculated from the equation (2) is (10-0 =) 10 points.

  And the calculation part 13 calculates the point P3 using the balance before money_receiving | payment. Here, the balance 21j before deposit corresponding to the account number “7654321” in the account DB 21 is 1,000 yen. Therefore, P3 calculated from the equation (3) is ((10,000-1,000) / 1,000 =) 9 points.

  And the calculation part 13 calculates the point P4 using the balance inquiry frequency within 30 minutes before a payment instruction | indication. Here, since the time of the withdrawal instruction is “2012/11/1 14:30”, the balance inquiry count within 30 minutes before the withdrawal instruction is one in b2 in the access log 22. Therefore, P4 calculated from the equation (4) is ((1-1) × 5 =) 0 points.

  And the calculation part 13 calculates the point P5 using the time difference after it deposits and withdraws. Here, the most recently deposited time is “2012/11/1 14:10” indicated by b1 in the access log 22. The time of the withdrawal instruction is “2012/11/1 14:30”. The time difference from depositing to withdrawal is 20 minutes. Therefore, P5 calculated from the equation (5) is (30-20 =) 10 points.

  And the calculation part 13 determines whether the money_receiving | payment origin account number and the money_receiving | payment origin shop number of the present transaction and the last transaction regarding payment are the same. Here, since the current transaction related to the deposit is the first transaction, there is no target of the previous transaction. Therefore, the calculation unit 13 determines that the deposit source account number and the deposit source store number of the current transaction related to deposit and the previous transaction are not the same. Therefore, P6 calculated from the equation (6) is 0 point.

  And the calculation part 13 calculates the point P7 using the balance at the time of withdrawing. Here, the balance 21i corresponding to the account number “7654541” in the account DB 21 is 201,000 yen, and the withdrawal amount for which the withdrawal instruction is given is 100,000 yen. If the withdrawal is made, the balance is 101,000 yen. Therefore, P7 calculated from the equation (7) is ((10,000−101,000) / 1,000 =) 0 points.

  And the calculation part 13 adds up the points from the point P1 to the point P7. Here, since P4, P6, and P7 are all 0 points, P1 is 10 points, P2 is 10 points, P3 is 9 points, and P6 is 10 points, the total point is 39 points.

  And the determination part 12 determines whether a summation point is more than a threshold value. Here, assuming that the threshold value is 41 points, the determination unit 12 determines that the summation point (39) is not equal to or greater than the threshold value (41), and sends an inquiry result indicating that the withdrawal process is permitted to the ATM 3 of the inquiry source. Will be sent. As a result, the withdrawal process at ATM3 is performed.

  In this way, even if the conditions are strict, the determination unit 12 can reliably distinguish between a case of a transfer fraud and a case of no transfer fraud, and withdrawing from the account of the transfer destination in the case of a transfer fraud Can be suppressed.

  In addition, it has been described that the calculation unit 13 points each according to various conditions determined from the tendency of the deposit / withdrawal process, and sums the points that have been converted into points. That is, the calculation unit 13 adds the points from the point P1 to the point P7. However, the calculation part 13 is not limited to this, It is good also as what is narrowed down to one among the various conditions defined from the tendency of a deposit / withdrawal process. Alternatively, the calculation unit 13 converts each point according to the condition that the transfer fraud tendency is prominent among various conditions determined from the deposit / withdrawal processing trend, and adds the points that are converted into points. Also good. The conditions for which the tendency of wire fraud is estimated to be remarkable are, for example, conditions related to (Trend 4) to (Trend 6). Alternatively, the calculation unit 13 may convert points according to various conditions selected by the bank, and add the points that have been converted into points. Note that the threshold value to be compared with the summed points may be a value set based on a bank rule of thumb.

  In addition, the specific numbers used in the various conditions of the calculation unit 13 are not limited to this, and can be changed based on a rule of thumb by the bank. As an example, it has been described that the calculation unit 13 calculates the point P4 using the balance inquiry count within 30 minutes before the withdrawal instruction. However, the calculation unit 13 may calculate the point P4 using the balance inquiry count within 50 minutes before the withdrawal instruction, or may calculate the point P4 using the balance inquiry count within 20 minutes before the withdrawal instruction. It may be calculated. As another example, the calculation unit 13 calculates the point P5 using the time difference from when the money is deposited to when it is withdrawn when the maximum time difference from when the money is deposited to when it is dispensed is 30 minutes. did. However, the calculation unit 13 may calculate the point P5 using the time difference from when the money is deposited to when the money is withdrawn when the maximum time difference from when the money is deposited to when the money is withdrawn is 20 minutes.

[Effect of Example 1]
According to the first embodiment, the bank server 1 performs the specific operation on the account within a predetermined time before the withdrawal instruction, the magnitude relationship between the balance before withdrawal and the withdrawal amount of the account for which the withdrawal instruction has been accepted. Based on either, it is determined whether or not to perform the withdrawal process for the account. If the bank server 1 determines not to perform the withdrawal process for the account, the bank server 1 causes the ATM 3 to output a screen indicating that the withdrawal process for the account is not performed. According to such a configuration, in the case of bank transfer fraud, the withdrawal amount of the bank account of the transfer destination tends to be almost the same as the balance before withdrawal. In addition, in the case of a transfer fraud, when a transfer operation is performed, the withdrawal process tends to be performed immediately, and the balance confirmation operation tends to be performed many times. Therefore, the bank server 1 can prevent the withdrawal process from being performed from the bank account of the transfer destination on the basis of a condition corresponding to any of the trends. You can deter money.

  Further, according to the first embodiment, the bank server 1 further determines the withdrawal amount of the account for which the withdrawal instruction is accepted, the period after the account is opened, the number of transactions of the account, and before the deposit of the account. Whether or not to perform the withdrawal process for the account is determined based on one or more of the balances. According to such a configuration, the bank server 1 is characterized by the bank account of the transfer destination in the case of a transfer fraud, so if there is any of the characteristics, there is a risk of a transfer fraud. If it has a feature, it can be prevented that it is withdrawn from the bank account of the transfer destination.

  Further, according to the first embodiment, the bank server 1 accepts the magnitude relationship between the balance before withdrawal of the account and the withdrawal amount, a specific operation for the account within a predetermined time before the withdrawal instruction, and the withdrawal instruction. The points are scored according to any one or more of the amount of withdrawal of the account, the period since the account was opened, the number of transactions of the account, and the balance before depositing the account. Then, the bank server 1 determines whether or not to perform the withdrawal process for the account based on the total value of the scored points. According to such a configuration, the bank server 1 performs scoring using the transfer destination account characteristics in the case of a transfer fraud. And the bank server 1 can be made not to perform a withdrawal process from the account of a transfer destination based on the total value of each score. As a result, the bank server 1 can reliably stop withdrawing money from the bank account in the case of a transfer fraud.

  In the bank server system 9 according to the first embodiment, the bank server 1 is described as determining whether or not the withdrawal process requested by the ATM 3 is permitted. However, the bank server system 9 is not limited to this, and the bank server 1 may determine whether or not the remittance process inquired from the PC is permitted in order to support Internet banking. Therefore, in the second embodiment, a bank server system 9A that determines whether or not the bank server 1 has made a remittance process inquired from the PC will be described.

[Configuration of Bank Server System According to Second Embodiment]
FIG. 9 is a block diagram illustrating the configuration of the bank server system according to the second embodiment. In addition, about the structure same as the bank server system 9 shown in FIG. 1, the same code | symbol is attached | subjected and description about the overlapping structure and operation | movement is abbreviate | omitted. The difference between the first embodiment and the second embodiment is that the bank server 1 is connected to a PC 7 installed in a home or the like via the bank network 5 and the Internet 6. The difference between the first embodiment and the second embodiment is that the determination unit 12 is changed to the determination unit 12A and the calculation unit 13 is changed to the calculation unit 13A.

  The PC 7 has a remittance processing unit 71 and a balance inquiry unit 72. The PC 7 is provided with a processing unit that performs various functions. Here, only the part related to the remittance processing and the balance inquiry will be described.

  When there is a remittance instruction, the remittance processing unit 71 inquires of the bank server 1 whether or not remittance processing is permitted. Then, as a result of the inquiry, if the remittance process is permitted, the remittance processing unit 71 executes the remittance process corresponding to the remittance instruction. That is, the remittance processing unit 71 remits money of the amount specified by the remittance instruction to another account. On the other hand, if the remittance process is not permitted as a result of the inquiry, the remittance processing unit 71 displays on the screen that the remittance process is not permitted. As an example, the screen displays a withdrawal process such as “Internet banking is not possible. Please process it at the bank window. Please prepare something that proves your identity.” A message prompting you to do it at the window is displayed. That is, the remittance processing unit 71 stops the remittance process for the amount of money designated by the remittance instruction immediately before remittance.

  Since the balance inquiry unit 72 is the same as the balance inquiry unit 32 in the ATM 3, the description thereof is omitted.

  The determination unit 12A, together with the calculation unit 13A, determines whether or not the withdrawal process inquired is permitted. Further, the determination unit 12A, together with the calculation unit 13A, determines whether or not the requested remittance process is permitted. In the case of the remittance process, the determination unit 12A may process the withdrawal process instead of the remittance process and the withdrawal amount instead of the remittance amount.

  13 A of calculation parts are each point-ized according to the various conditions defined from the tendency of a deposit / withdrawal process, and add each point made into points. In the case of the remittance process, the calculation unit 13A may process the withdrawal process instead of the remittance process and the withdrawal amount instead of the remittance amount.

[Effect of Example 2]
According to the second embodiment, the bank server 1 performs either the magnitude relationship between the balance before the remittance of the account for which the remittance instruction is accepted and the remittance amount, or a specific operation for the account within a predetermined time before the remittance instruction. Based on this, it is determined whether or not to perform the remittance process for the account. If the bank server 1 determines that the account remittance process is not performed, the bank server 1 causes the PC 7 to output a screen indicating that the account remittance process is not performed. According to such a configuration, when remittance is a transfer fraud and remittance from a transfer destination, the remittance amount from the account of the transfer destination tends to be almost the same as the balance before remittance. In addition, in the case of a transfer fraud, when a transfer operation is performed, the remittance process tends to be performed immediately, and the balance confirmation operation tends to be performed many times. Therefore, the bank server 1 can prevent the remittance process from being performed from the transfer destination account based on a condition corresponding to any of the tendencies. Therefore, in the case of a transfer fraud, the remittance from the transfer destination account. Can be suppressed.

[Others]
The bank server 1 can be realized by mounting the functions such as the balance processing unit 11, the determination unit 12, and the calculation unit 13 in an information processing apparatus such as a known personal computer or workstation. ATM3 can be realized by mounting each function such as the withdrawal processing unit 31 and the balance inquiry unit 32 in an information processing apparatus such as a known personal computer or workstation.

  In addition, each component of the illustrated apparatus does not necessarily need to be physically configured as illustrated. In other words, the specific mode of device distribution / integration is not limited to that shown in the figure, and all or part of the device is functionally or physically distributed / integrated in an arbitrary unit according to various loads or usage conditions. Can be configured. For example, the determination unit 12 and the calculation unit 13 may be integrated as one unit. On the other hand, the calculation unit 13 may distribute processing units for each condition determined from various trends. Further, although the bank DB 2 is an external device of the bank server 1, it may be mounted inside the bank server 1. An external device storing the bank DB 2 may be connected to the bank server 1 via a network.

  The various processes described in the above embodiments can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. Therefore, in the following, an example of a computer that executes a withdrawal processing control program that realizes the same function as the bank server 1 shown in FIG. 1 will be described. FIG. 10 is a diagram illustrating an example of a computer that executes a withdrawal processing control program.

  As illustrated in FIG. 10, the computer 200 includes a CPU 203 that executes various arithmetic processes, an input device 215 that receives input of data from the user, and a display control unit 207 that controls the display device 209. The computer 200 also includes a drive device 213 that reads a program and the like from a storage medium, and a communication control unit 217 that exchanges data with other computers via a network. The computer 200 also includes a memory 201 that temporarily stores various types of information and an HDD 205. The memory 201, CPU 203, HDD 205, display control unit 207, drive device 213, input device 215, and communication control unit 217 are connected by a bus 219.

  The drive device 213 is a device for the removable disk 211, for example. The HDD 205 stores a withdrawal processing control program 205a and withdrawal processing control related information 205b.

  The CPU 203 reads the withdrawal processing control program 205a, expands it in the memory 201, and executes it as a process. Such a process corresponds to each functional unit of the bank server 1. The withdrawal processing control related information 205 b corresponds to the account DB 21 and the access log 22. For example, the removable disk 211 stores information such as the withdrawal processing control program 205a.

  Note that the withdrawal process control program 205a does not necessarily have to be stored in the HDD 205 from the beginning. For example, the program is stored in a “portable physical medium” such as a flexible disk (FD), a CD-ROM, a DVD disk, a magneto-optical disk, or an IC card inserted into the computer 200. Then, the computer 200 may read out and execute the withdrawal processing control program 205a from these.

  The following supplementary notes are further disclosed regarding the embodiment described above and its modifications.

(Appendix 1) A reception unit that receives a processing instruction to decrease the balance of a predetermined account;
The balance of the account based on either the magnitude relationship between the balance before processing and the processing amount of the account for which the processing instruction has been received by the receiving unit, or a specific operation on the account within a predetermined time before the processing instruction. A determination unit that determines whether or not to perform a process of reducing
An output unit that outputs a screen indicating that the process of decreasing the balance of the account is not performed when it is determined that the process of decreasing the balance of the account is not performed by the determination unit. server.

(Additional remark 2) The said determination part is any one of the processing amount reduced from the balance before the process of the said account, the period after the said account was opened, the frequency | count of the transaction of the said account, and the balance before the transfer of the said account. It is determined whether to perform the process which reduces the balance of the said account based on one or more. The processing server of Additional remark 1 characterized by the above-mentioned.

(Additional remark 3) The said determination part is the magnitude of the balance before the process of the said account, and the amount processed, the specific operation with respect to the said account in the predetermined time before the said process instruction, and the amount of processing reduced from the balance before the process of the said account , Based on the total value of each score obtained by scoring according to any one or more of the period after the account was opened, the number of transactions of the account, and the balance before transfer of the account The processing server according to Supplementary Note 1 or Supplementary Note 2, wherein whether or not to perform the process is determined.

(Additional remark 4) The said reception part receives the cash withdrawal instruction in a predetermined account, or the cash remittance instruction to another account in a predetermined account. Any one of Additional remark 1 to Additional remark 3 characterized by the above-mentioned The processing server described.

(Appendix 5)
Accept processing instructions to decrease the balance of a given account,
The balance of the account based on the magnitude relationship between the pre-processing balance and the processing amount of the account for which the processing instruction has been received by the receiving process, or a specific operation for the account within a predetermined time before the processing instruction. To determine whether to reduce the
If the determination process determines that the process for reducing the balance of the account is not performed, a process for outputting a screen indicating that the process for reducing the balance of the account is not performed is executed. Processing control program.

(Appendix 6)
Accept processing instructions to decrease the balance of a given account,
The balance of the account based on the magnitude relationship between the pre-processing balance and the processing amount of the account for which the processing instruction has been received by the receiving process, or a specific operation for the account within a predetermined time before the processing instruction. To determine whether to reduce the
If it is determined by the determining process that the process for reducing the balance of the account is not performed, each process for outputting a screen indicating that the process for reducing the balance of the account is not performed is executed. Gold processing control method.

1 Bank server 2 Bank DB
3 ATM
4 Terminal 5 Bank network 6 Internet 7 PC
9, 9A Bank server system 10 Control unit 11 Balance processing unit 12, 12A Determination unit 13, 13A Calculation unit 21 Account DB
22 Access log 31, 41 Withdrawal processing unit 32 Balance inquiry unit 71 Remittance processing unit 72 Balance inquiry unit

Claims (4)

A reception unit that receives a processing instruction to decrease the balance of a predetermined account;
The balance of the account based on either the magnitude relationship between the balance before processing and the processing amount of the account for which the processing instruction has been received by the receiving unit, or a specific operation on the account within a predetermined time before the processing instruction. A determination unit that determines whether or not to perform a process of reducing
An output unit that outputs a screen indicating that the process of decreasing the balance of the account is not performed when it is determined that the process of decreasing the balance of the account is not performed by the determination unit. server. The determination unit further includes any one or more of a processing amount to be reduced from a balance before processing of the account, a period after the account is opened, the number of transactions of the account, and a balance before transfer of the account. The processing server according to claim 1, wherein it is determined whether or not to perform a process of decreasing the balance of the account based on. The determination unit includes a size relationship between a balance before processing of the account and a processing amount, a specific operation on the account within a predetermined time before the processing instruction, a processing amount to be reduced from the balance before processing of the account, The processing based on the total value of each score obtained by scoring according to any one or more of the period since the establishment, the number of transactions of the account, and the balance before transfer of the account The processing server according to claim 1, wherein it is determined whether or not to perform the processing. On the computer,
Accept processing instructions to decrease the balance of a given account,
The balance of the account based on the magnitude relationship between the pre-processing balance and the processing amount of the account for which the processing instruction has been received by the receiving process, or a specific operation for the account within a predetermined time before the processing instruction. To determine whether to reduce the
If the determination process determines that the process for reducing the balance of the account is not performed, a process for outputting a screen indicating that the process for reducing the balance of the account is not performed is executed. Processing control program.

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