JP2019057184A - Financial account management system - Google Patents

Abstract

To provide a financial account management system capable of preventing fraudulent acts such as bank transfer fraud.SOLUTION: A financial account management device 1 comprises a cash deposit and withdrawal results database 14B which stores deposit and withdrawal results among multiple financial accounts. The financial account management device is configured so as to, when a payment is going to be made to one financial account, determine whether or not any payment from the one financial account to a financial account with high degree of fraud is directly made or indirectly made via one or multiple other financial accounts on the basis of the deposit and withdrawal results stored in the cash deposit and withdrawal result database 14B, and to output a piece of warning information on the basis of the deposit and withdrawal determination result.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a financial account management system capable of determining whether or not a transfer destination financial account is an unauthorized account.

  In recent years, illegal transfer such as so-called transfer fraud has become a social problem, and countermeasures for preventing this are required. For example, Patent Literature 1 discloses a method for calling attention about a transfer fraud using a transaction history of a transfer destination account designated as a transfer destination. In this method, based on the transaction history of the transfer account, it is determined whether there is a high possibility that the transfer account is a deposit account used for transfer fraud. Display a reminder message. This makes it possible to prevent a transfer to a deposit account that is likely to be used illegally.

JP 2007-272410 A

  As described above, in the case of the above conventional alerting method, the fraudulent state of the bank account is determined based on the transaction history of the bank account. However, in transfer fraud, etc., fraud is not recognized in the direct bank account, but transfer may be performed from the bank account to another financial account with high fraud. In such a case, the conventional alerting method described above cannot detect fraud and cannot prevent wire fraud.

  This invention is made | formed in view of such a situation, The main objective is to provide the financial account management system which can solve the subject mentioned above.

  As described above, the present inventor transfers money from a financial account directly used as a transfer destination to another financial account with high fraud even if special fraud is not recognized. Paying attention to some points, the following embodiments have been invented.

  A financial account management system according to one aspect of the present invention is a financial account management system that manages each financial account based on a fraud level indicating a degree of fraud set for each of a plurality of financial accounts. Based on the deposit / withdrawal results stored in the deposit / withdrawal result storage unit when depositing / withdrawing results storage unit for storing the deposit / withdrawal results between a plurality of financial accounts and depositing into one financial account , Fraud determination means for determining whether or not the deposit from the one financial account to the financial account with high fraud has been made directly or indirectly through one or more other financial accounts And warning means for outputting warning information when it is determined by the fraud determination means that the financial account with a high degree of fraud has been deposited.

  In the above aspect, the deposit / withdrawal storage unit stores the deposit / withdrawal results including the date / time of deposit / withdrawal between the financial accounts, and the fraud determination means is between the financial accounts included in the deposit / withdrawal results. It may be configured to determine whether or not the deposit from the one financial account to the financial account with a high degree of fraud is indirectly performed based on the date and time of deposit and withdrawal.

  Further, in the above aspect, the deposit / withdrawal storage unit stores a deposit / withdrawal result including an amount of deposit / withdrawal between each financial account, and the fraud determination means includes each financial item included in the deposit / withdrawal result. Based on the deposit / withdrawal amount between the accounts, it may be configured to determine whether or not the deposit from the one financial account to the financial account with high fraud is performed indirectly.

  Further, in the above aspect, the fraud determination means determines whether or not the deposit from the one financial account to the financial account with a high fraud is performed based on the geographical position of the branch related to deposit and withdrawal. It may be configured.

  Further, in the above aspect, the deposit / withdrawal storage unit stores a deposit / withdrawal record including a serial number of a banknote related to deposit / withdrawal, and the fraud determination unit records a banknote included in the deposit / withdrawal record. Based on the number, it may be configured to determine whether or not the deposit from the one financial account to the financial account with high fraud is performed.

  Moreover, the said aspect WHEREIN: You may further provide the fraud degree setting means which sets the fraud degree of each financial account based on the deposit / withdrawal results memorize | stored in the said deposit / withdrawal result memory | storage part.

  In addition, in the above aspect, the fraud level setting means may be configured to set the fraud level of each financial account based on the number of deposit source financial accounts and / or the number of deposit destination financial accounts. .

  In the above aspect, the fraud level setting means may be configured to set each financial account based on the number of times of depositing into each financial account and / or the number of times of depositing from each financial account.

  Moreover, in the said aspect, based on the deposit / withdrawal result memorize | stored in the said deposit / withdrawal memory | storage part, the payment to the financial account with high fraud from each financial account is directly, or one or several other financial accounts In addition, it further includes a deposit presence / absence determination unit that determines whether or not the transaction has been made indirectly, and the fraud level setting unit sets the fraud level of each financial account based on a determination result by the deposit presence / absence determination unit. It may be configured.

  Further, in the above aspect, the deposit / withdrawal storage unit stores deposit / withdrawal results including the date / time of deposit / withdrawal between the financial accounts, and the deposit presence / absence determining means is included in the deposit / withdrawal results. Based on the date and time of deposit / withdrawal between financial accounts, it may be configured to determine whether or not the deposit from each financial account to the financial account with a high degree of fraud has been performed indirectly.

  Further, in the above aspect, the deposit / withdrawal storage unit stores a deposit / withdrawal result including the amount of deposit / withdrawal between each financial account, and the deposit presence / absence determining means is included in each deposit / withdrawal result. Based on the deposit / withdrawal amount between the financial accounts, it may be configured to determine whether or not the deposit from each financial account to the financial account with high fraud is performed indirectly.

  In the above aspect, the deposit presence / absence judging means judges whether or not the deposit from each financial account to the financial account with a high degree of fraud is performed based on the geographical position of the branch related to deposit / withdrawal. It may be configured.

  According to the financial account management system according to the present invention, it is possible to prevent fraud such as a transfer fraud even when special fraud is not recognized in the financial account of the transfer destination.

The block diagram which shows the structure of the financial account management system which concerns on Embodiment 1 of this invention, and its communication destination. The block diagram which shows the structure of the financial account management apparatus which concerns on Embodiment 1 of this invention. The figure which shows an example of the layout of the account database provided in the financial account management apparatus which concerns on Embodiment 1 of this invention. The figure which shows an example of the layout of the deposit / withdrawal performance database provided in the financial account management apparatus which concerns on Embodiment 1 of this invention. The figure which shows an example of the layout of the deposit / withdrawal chain database provided in the financial account management apparatus which concerns on Embodiment 1 of this invention. The flowchart which shows the procedure of the deposit / withdrawal chain production | generation process performed by the financial account management apparatus which concerns on Embodiment 1 of this invention. Explanatory drawing for demonstrating the content of deposit / withdrawal chain information. The flowchart which shows the procedure of the 1st fraud setting process performed by the financial account management apparatus which concerns on Embodiment 1 of this invention. The flowchart which shows the procedure of the 2nd fraud degree setting process performed by the financial account management apparatus which concerns on Embodiment 1 of this invention. Explanatory drawing for demonstrating the content of a fraud degree propagation process. The flowchart which shows the procedure of the warning process performed by the financial account management apparatus which concerns on Embodiment 1 of this invention. The block diagram which shows the structure of the financial account management apparatus which concerns on Embodiment 2 of this invention. The figure which shows an example of the layout of the ATM deposit / withdrawal database provided in the financial account management apparatus which concerns on Embodiment 2 of this invention. The flowchart which shows the procedure of the deposit / withdrawal result production | generation process performed by the financial account management apparatus which concerns on Embodiment 2 of this invention.

  Hereinafter, preferred embodiments of the present invention will be described with reference to the drawings. In addition, each embodiment shown below illustrates the method and apparatus for actualizing the technical idea of this invention, Comprising: The technical idea of this invention is not necessarily limited to the following. Absent. The technical idea of the present invention can be variously modified within the technical scope described in the claims.

(Embodiment 1)
[Configuration of financial account management system]
FIG. 1 is a block diagram showing a configuration of a financial account management system and its communication destination according to Embodiment 1 of the present invention. The financial account management system of the present embodiment is composed of a financial account management apparatus (hereinafter simply referred to as “management apparatus”) 1 in FIG. The management apparatus 1 is a computer system operated on the financial institution side, and communicates with a plurality of ATM terminals 2, 2,... Provided in each branch of the financial institution via a dedicated communication network 101. Connected as possible. In addition, the management device 1 is connected to a plurality of user terminals 3, 3,... Provided on each user side using a financial account of a financial institution via a communication network 102 such as the Internet. ing. The user terminals 3, 3,... Are configured with devices having communication functions such as personal computers, mobile phones, and tablet terminals. These ATM terminals 2, 2,... And user terminals 3, 3,.

[Configuration of management device]
Hereinafter, the detailed structure of the management apparatus 1 mentioned above is demonstrated.
FIG. 2 is a block diagram showing a configuration of the management apparatus 1 according to Embodiment 1 of the present invention. As shown in FIG. 2, the computer (management device) 1 includes a CPU 11, a ROM 12, a RAM 13, a hard disk 14, and a communication interface (I / F) 15, and these CPU 11, ROM 12, RAM 13, hard disk 14, and communication The I / F 15 is connected by a bus 16.

  The CPU 11 executes various computer programs loaded in the RAM 13. As a result, the computer 1 functions as the management apparatus 1 of the present embodiment.

  The ROM 12 is configured by a mask ROM, a PROM (Programmable ROM), an EPROM (Erasable PROM), an EEPROM (Electrically Erasable PROM), or the like, and a computer program executed by the CPU 11 and data used for the execution. Is remembered.

  The RAM 13 is configured by SRAM, DRAM, or the like. The RAM 13 is used for reading out various computer programs stored in the hard disk 14. Further, it is also used as a work area for the CPU 11 when the CPU 11 executes various computer programs.

  In the hard disk 14, various computer programs to be executed by the CPU 11, data used for executing the computer programs, and the like are installed in advance. In addition, the hard disk 14 includes an account database (DB) 14A that stores account information related to financial accounts, and a deposit / withdrawal result database (DB) 14B that stores deposit / withdrawal result information about deposit / withdrawal results between financial accounts. There is provided a deposit / withdrawal chain database (DB) 14C in which deposit / withdrawal chain information relating to the deposit / withdrawal connection (hereinafter referred to as "deposit / withdrawal chain") over three or more financial accounts is stored. Details of these databases will be described later.

  In addition, a multitask operating system such as Windows (registered trademark) manufactured and sold by Microsoft Corporation is installed in the hard disk 14. In the following description, it is assumed that various computer programs operate on the operating system.

  The communication I / F 15 is an interface device for the management device 1 to communicate with an external device via the communication networks 101 and 102. The management apparatus 1 transmits / receives various data to / from the ATM terminals 2, 2,... And the user terminals 3, 3,.

Details of each database provided in the hard disk 14 will be described below.
(A) Account DB 14A
FIG. 3 is a diagram showing an example of the layout of the account DB 14A provided in the management apparatus 1 according to Embodiment 1 of the present invention. As shown in FIG. 3, the account DB 14A includes an account ID field 111 for storing an account ID for identifying each financial account, a branch field 112 for storing information indicating a branch of the financial account, and the name of the financial account. At least a name field 113 in which information to be stored is stored, a fraud level field 114 in which the degree of fraud of the financial account is stored, and a wealthy person field 115 in which information indicating whether the name of the financial account is a wealthy is stored Have.

  The fraud level of the financial account stored in the fraud level field 114 is an index indicating the degree of fraud of the financial account. For example, a high fraud level is set for financial accounts that have been used in the past, while a low fraud level is set for financial accounts that do not allow such fraud. The Here, the fraudulent degree is set in stages according to the fraudulent degree of fraud, such as the highest fraudulent degree is set for financial accounts that have been used for extremely malicious things such as wire fraud among fraudulent use Is done. In the present embodiment, the fraud level is set for each financial account also by the fraud level setting process described later. In the following, it is assumed that the degree of injustice is expressed in five stages by numerical values from 0 to 4.

  The above-mentioned wealthy person means a person whose income and owned assets are equal to or greater than a predetermined amount. Whether or not the person is a wealthy person is determined according to the contents of self-declaration when the account is opened, a transaction history related to the financial account, and the like, and information indicating the determination result is stored in the wealthy person field 115. In the present embodiment, it is assumed that 1 is stored in the wealthy person field 115 when it is determined that the person is a wealthy person, and 0 is stored in the other case.

(B) Deposit / withdrawal results DB14B
FIG. 4 is a diagram showing an example of the layout of the deposit / withdrawal result DB 14B provided in the management apparatus 1 according to Embodiment 1 of the present invention. As shown in FIG. 4, the deposit / withdrawal result DB 14B stores a deposit / withdrawal ID field 121 in which a deposit / withdrawal ID for identifying each deposit / withdrawal is stored, and an account ID of a financial account as a deposit / withdrawal source. A deposit source field 122, a deposit destination field 123 that stores an account ID of a financial account that is a deposit / withdrawal destination, an amount field 124 that stores an amount of deposit / withdrawal, and a date / time field 125 that stores the date and time of deposit / withdrawal At least.

  The above-mentioned deposit / withdrawal information is the financial account of the transfer source (payment source) and transfer destination (payment destination) when a transfer (payment / withdrawal) of more than a predetermined amount such as 500,000 yen or 1 million yen is made. Is generated using the account ID, the transfer amount (payment / withdrawal amount), and the transfer date and time. Each information such as the account ID can be obtained from the computer system of each financial institution. In the present embodiment, as described above, the deposit / withdrawal record information is generated only for the transfer of a predetermined amount or more, but the lower limit of the amount may not be provided in this way. However, in that case, since the data amount becomes enormous, it is preferable to set a lower limit of the amount. In addition, since fraudulent acts such as bank transfer fraud often involve relatively high amounts of money, there is an advantage that fraudulent acts can be efficiently identified by providing a lower limit for the amount.

(C) Deposit / withdrawal chain DB14C
As described above, the deposit / withdrawal chain DB 14 </ b> C stores deposit / withdrawal chain information related to the deposit / withdrawal connection across three or more financial accounts. Specifically, for example, when a transfer is made from the account B to the account C within a predetermined time after the transfer from the account A to the account B, the account A, B, and C are sequentially entered and exited. It is linked as related to money, and deposit / withdrawal chain information indicating that is generated.

  FIG. 5 is a diagram showing an example of the layout of the deposit / withdrawal chain DB 14C provided in the management apparatus 1 according to Embodiment 1 of the present invention. As shown in FIG. 5, the deposit / withdrawal chain DB 14C includes a chain ID field 131 in which a chain ID for identifying each deposit / withdrawal chain is stored, and a deposit / withdrawal ID field in which a deposit / withdrawal ID related to the deposit / withdrawal chain is stored. 132 at least. The deposit / withdrawal ID stored in the deposit / withdrawal ID field 132 is managed by the deposit / withdrawal result DB 14B as described above. By referring to this deposit / withdrawal ID, it is possible to obtain the account IDs of the deposit source and deposit destination financial accounts, and therefore it is possible to identify the financial account related to the deposit / withdrawal chain.

[Operation of financial account management system]
Next, the operation of the financial account management system of the present embodiment configured as described above will be described with reference to a flowchart and the like. In the following, (1) deposit / withdrawal chain generation process for generating deposit / withdrawal chain information, (2) fraud level setting process for setting fraud level of each financial account, and (3) when transfer is performed Details of each processing of warning processing for calling attention to the transfer person will be described.

(1) Deposit / withdrawal chain generation process FIG. 6 is a flowchart showing the procedure of the deposit / withdrawal chain generation process executed by the management apparatus 1 according to the first embodiment of the present invention. The deposit / withdrawal chain generation process is repeatedly executed at predetermined time intervals such as every several hours.

  As shown in FIG. 6, the management apparatus 1 first refers to the account DB 14A to set a wealthy person account that is a financial account related to a wealthy person as a processing target (S101). Whether or not the account is a wealthy person account can be determined by information stored in the wealthy person field 115.

  Next, the management apparatus 1 sets 1 to the variable n (S102). Here, n is a counter variable for comparison with a predetermined set value. This set value is a value that defines the range of the deposit / withdrawal chain, and can be an arbitrary value. For example, in the case of a transfer fraud that occurred in the past, when there is an example where the financial account of the third party from the transfer destination financial account when the victim made the transfer was a financial account related to the transfer fraud mastermind, If the victim's financial account is used as a reference, the financial account with the highest fraud exists in the fourth place, so it is assumed that the setting value is set to 4, or the like.

  Next, the management device 1 refers to the deposit / withdrawal record DB 14B and extracts the deposit / withdrawal record (hereinafter referred to as “first deposit / withdrawal”) in which the processing target financial account is the deposit source (S103). Then, the management apparatus 1 specifies the deposit / withdrawal results (hereinafter referred to as “second deposit / withdrawal”) in which the deposit destination in the first deposit / withdrawal is the deposit source and the amount and date / time are close to each other. (S104).

  The details of specifying the second deposit / withdrawal in step S104 will be described. First, regarding the date and time, if the date and time of a certain deposit and withdrawal is within a predetermined time (for example, within one hour) from the date and time of the first deposit and withdrawal, both are considered to be close to each other. Thereby, the deposit / withdrawal performed within the predetermined time from the first deposit / withdrawal is specified as the second deposit / withdrawal.

  In addition, regarding the amount, if the amount of a certain deposit / withdrawal is the same as the amount of the first deposit / withdrawal, or the difference is not more than a predetermined amount (for example, 500,000 yen or less), the amounts are close to each other. It is said. As a result, a deposit / withdrawal having the same amount as the first deposit / withdrawal or a difference within a predetermined amount is specified as the second deposit / withdrawal. In addition, if the sum of the amount of a certain deposit and withdrawal and the amount of another deposit or withdrawal is the same as the amount of the first deposit or withdrawal, or the difference is less than or equal to the predetermined amount, the certain deposit and withdrawal and the first deposit and withdrawal The amount of money and the amount of the other deposit / withdrawal and the amount of the first deposit / withdrawal are close to each other. For example, if the amount of the first deposit / withdrawal is 1 million yen, and the amount of one deposit / withdrawal and the other deposit / withdrawal amount are 600,000 yen and 400,000 yen, respectively, 1 million yen, which is the sum of the other deposits and withdrawals, is the same amount as the first deposit / withdrawal, so these deposits / withdrawals and other deposits / withdrawals are specified as the second deposit / withdrawal. Will be. Note that the fact that a plurality of deposits / withdrawals is specified as the second deposit / withdrawal in this way means that the chain from the first deposit / withdrawal branches. This point will be described later.

  For example, if the amount of the first deposit / withdrawal is 1,000,000 yen and the amount of a certain deposit / withdrawal and the amount of other deposit / withdrawal is 1,000,000 yen, the certain deposit / withdrawal and the other deposit / withdrawal It may be unclear which should be the second deposit / withdrawal. In such a case, first, if any deposit / withdrawal is specified as the second deposit / withdrawal and two deposit / withdrawal chain information is generated, an account with a high degree of fraud appears in the subsequent chain destination for either one In addition, the other deposit / withdrawal chain information may be deleted.

  Next, the management apparatus 1 determines whether n has reached a set value (S105). Here, when it is determined that it has not been reached (NO in S105), the management apparatus 1 sets the deposit-destination financial account in the second deposit / withdrawal as a processing target (S106). Then, the management device 1 increments the value of n by 1 (S107) and executes steps S103 to S105 again. This iterative process is continued until it is determined in step S105 that n has reached the set value.

  When it is determined in step S105 that n has reached the set value (YES in S105), the management apparatus 1 deposits / withdraws the deposit / withdrawal ID of the deposit / withdrawal related to the wealthy account and the deposit / withdrawal specified in step S104. Deposit / withdrawal chain information is generated using the gold ID (S108). For example, when the deposit / withdrawal ID of the deposit / withdrawal relating to the wealthy account is X1111 and the deposit / withdrawal IDs specified in step S104 are X2222 and X3333, the deposit / withdrawal chain information is based on these X1111, X2222 and X3333. Will be generated. In addition, when a some deposit / withdrawal is specified as 2nd deposit / withdrawal in step S104, deposit / withdrawal chain information is produced | generated about each of those 2nd deposit / withdrawal. For example, in the case where the deposit / withdrawal ID of the deposit / withdrawal relating to the wealthy account is X1111 and the deposit / withdrawal IDs of X2222 and X4444 are identified as the second deposit / withdrawal in step S104, X1111 and X2222 One deposit / withdrawal chain information is generated, and another withdrawal chain information is generated by X1111 and X4444.

  The management apparatus 1 registers the deposit / withdrawal chain information generated at step S108 in the deposit / withdrawal chain DB 14C (S109), and ends the process. By repeatedly executing the deposit / withdrawal chain generation process for each wealthy account, the deposit / withdrawal chain information illustrated in FIG. 5 is accumulated in the deposit / withdrawal chain DB 14C.

  In this embodiment, the deposit / withdrawal chain information is generated starting from the wealthy account, but in addition to this, the deposit / withdrawal chain information may be generated starting from an account other than the wealthy account. . However, in that case, the number of processes becomes enormous and the load on the system increases, so the deposit / withdrawal chain information starts from a financial account that is likely to be involved in a transfer fraud, such as a wealthy account in this embodiment. It is preferable to produce.

  Moreover, in this Embodiment, the track record in which both the amount of money of deposit / withdrawal and the date and time are close in step S104 is specified, but the track record in which only one of them is close may be specified. . Furthermore, even when both the amount and date / time are not close to each other, they may be subject to the deposit / withdrawal chain. This is because, for the purpose of preventing the detection of fraud, deposits and withdrawals may be performed after a considerable amount of time, and deposits and withdrawals of significantly different amounts may be performed.

  In the present embodiment, for example, when a transfer is made from the account B to the account C within a predetermined time after the transfer from the account A to the account B, the accounts A, B and C are Although it is linked as related to a series of deposits and withdrawals, when this time relationship is reversed, that is, within a predetermined time after the transfer from the account B to the account C, the account from the account A Even when a transfer is made to B, accounts A, B, and C may be linked as being related to a series of deposits and withdrawals. This is because it is assumed that withdrawing money first and then depositing money for the purpose of concealing fraudulent transactions.

  FIG. 7 is an explanatory diagram for explaining the contents of the deposit / withdrawal chain information generated as described above. FIG. 7 shows an example in which four deposit / withdrawal chain information is generated starting from the wealthy account A. Each deposit / withdrawal chain information is specified by each deposit / withdrawal ID. For example, one deposit / withdrawal chain information is specified by deposit / withdrawal IDs X1001, X1010, X1030, and X1040. This deposit / withdrawal chain information indicates that a deposit / withdrawal chain has occurred in the order of accounts A → B → E → J → F. In addition, in the example shown in FIG. 7, a chain of deposit / withdrawal of account A → B → G → K → F, account A → C, and account A → D → H is recognized by each deposit / withdrawal ID. As can be seen from FIG. 7, the account B branches to accounts E and G. This is because two deposits / withdrawals X1010 and X1020 are linked to the deposit / withdrawal of X1001 by the deposit / withdrawal chain generation process.

(2) Fraud level setting process Next, the fraud level setting process for setting the fraud level of each financial account will be described. In the present embodiment, a process for setting the fraud level regardless of the deposit / withdrawal chain information generated by the deposit / withdrawal chain generation process and a process for setting the fraud level based on the deposit / withdrawal chain information. There is. The former will be referred to as a first fraud level setting process and the latter will be referred to as a second fraud level setting process, respectively, and will be described in detail below. Note that the first and second fraud level setting processes may be repeatedly executed at predetermined time intervals, or may be irregularly executed at a specific timing. In the case of the second fraud level setting process, since the fraud level is set based on the deposit / withdrawal chain information, it may be executed every time the deposit / withdrawal chain information is generated.

(2-1) First Fraud Level Setting Process FIG. 8 is a flowchart showing the procedure of the first fraud level setting process executed by the management apparatus 1 according to Embodiment 1 of the present invention. As illustrated in FIG. 8, the management device 1 refers to the deposit / withdrawal record DB 14 </ b> B and extracts the deposit / withdrawal record in which the financial account to be processed (hereinafter referred to as “target account”) is the deposit source or the deposit destination. (S201). Then, the management device 1 uses the extracted deposit / withdrawal results to deposit the financial account (financial account that becomes the deposit source when the target account is used as a reference) and the deposit from the target account. The number of the received financial accounts (the financial account that is the deposit destination when the target account is used as a reference) is specified (S202). Moreover, the management apparatus 1 specifies the frequency | count of payment to a target account, and the frequency | count of payment from a target account using the same deposit / withdrawal result similarly extracted (S203).

  Next, the management apparatus 1 is based on the number of financial accounts of the deposit source and the deposit destination specified in step S202, and the number of deposits and the number of deposits from the target account identified in step S203. The fraud level of the target account is calculated (S204). This fraud level can be calculated according to various rules. For example, when the number of financial accounts at the deposit source and / or the deposit destination is equal to or greater than a predetermined value, a high fraud is set for the target account. As described above, when there are a large number of deposit sources and / or deposit destinations, a high fraud level is set as a possibility of fraud. In this case, a plurality of levels of fraud can be set by providing a plurality of levels of the predetermined value.

  Also, when the number of deposits to the target account and the number of deposits from the target account are equal to or greater than a predetermined value, a high degree of fraud is set for the target account. This is also because it is considered that there is a possibility of fraud. Similarly to the above, even in this case, a plurality of levels of fraud can be set by providing a plurality of predetermined values.

  In addition, when a plurality of fraud levels are obtained for one financial account as a result of calculating the fraud levels according to the rules as described above, any one of the fraud degrees is adopted. For example, it is conceivable that a priority is determined in advance for each rule, and the fraud calculated by the rule having the highest priority is adopted. In addition, there can be various measures such as adopting an average value of a plurality of fraud degrees.

  The management device 1 registers the fraud degree calculated as described above in the account DB 14A (S205). If the fraud level has already been set for the target account and the fraud level is different from the calculated fraud level, the reason is that the latest situation is reflected. The degree of fraud calculated this time may be adopted, and a predetermined criterion (for example, the degree of fraud set by the second degree of fraud setting process described later is used as the degree of fraud set by the first degree of fraud setting process). Any degree of injustice may be adopted in accordance with the above).

(2-2) Second Fraud Degree Setting Process FIG. 9 is a flowchart showing the procedure of the second fraud degree setting process executed by the management apparatus 1 according to Embodiment 1 of the present invention. As shown in FIG. 9, the management apparatus 1 first refers to the account DB 14A, the deposit / withdrawal result DB 14B, and the deposit / withdrawal chain DB 14C (S301). Next, the management apparatus 1 determines whether or not the deposit / withdrawal related to the financial account having the fraud degree equal to or greater than the predetermined value is included in the deposit / withdrawal chain information (S302). More specifically, for example, the management apparatus 1 specifies a financial account with an injustice degree of 3 or more from the account DB 14A, and then sets a deposit / withdrawal ID for which the financial account is the deposit source or deposit destination DB 14B. And whether the deposit / withdrawal ID is included in the deposit / withdrawal chain information is determined based on the deposit / withdrawal chain DB 14C.

  In step S302, when it is determined that the deposit / withdrawal as described above is not included in the deposit / withdrawal chain information (NO in S302), the management apparatus 1 ends the process without setting the fraud level. On the other hand, when it is determined that the deposit / withdrawal as described above is included in the deposit / withdrawal chain information (YES in S302), the management apparatus 1 changes from one financial account to another financial account based on the deposit / withdrawal chain. The fraud level propagation process for propagating the fraud level is executed (S303). Hereinafter, the details of this fraud level propagation process will be described.

  FIG. 10 is an explanatory diagram for explaining the contents of the fraud degree propagation processing. FIG. 10 shows the contents of the fraud propagation process in the case where the chain of account A → B → E → J → F and account A → B → G → K → F is recognized, as in FIG. Illustrated. Here, it is assumed that fraudulent degree propagation processing is performed when there is a financial account with a fraud degree of 4 or more. In the example shown in FIG. 10, since the fraud level of the account F is 4, the fraud degree propagation process is executed.

  In the fraud level propagation process, the fraud level is propagated back to the starting side of the deposit / withdrawal chain. In the case of the example shown in FIG. 10, the degree of fraud propagates from the account F toward the account A that is the starting point of the deposit / withdrawal chain. In this example, each account goes to each account with a degree of fraud that is decremented by one. Therefore, the fraudulent degree is 3 for the accounts J and K that are one away from the account F to the account A side, and the fraudulent degree is 2 for the accounts E and G that are also two apart. For the account B that is far away, 1 is given as the degree of fraud. Of course, this is merely an example. For example, every time one step backwards, the degree of fraud that is decremented by 2 or more may be given to each account, and the degree of fraud of account F may be given to each account as it is without being minus. . In the case of the present embodiment, since the starting account A is a wealthy account, it is appropriate to keep the fraud level at the lowest value. Therefore, it is preferable not to propagate the fraud level to the account A, but the fraud level may be propagated in the same manner as other financial accounts.

  The management device 1 registers the fraud level given to each financial account by the fraud level propagation process in the account DB 14A (S304). If the fraud level has already been set for the target account and the fraud level is different from the calculated fraud level, the fraud set by the second fraud level setting process The degree of priority may be adopted. For example, when the degree of fraud set by the second fraud degree setting process is higher, the degree of fraud is adopted, while when the degree of fraud is lower, the degree is already set. Any degree of fraud may be adopted according to the degree of fraud that has been made.

(3) Warning Process Next, a warning process for alerting the transfer person when a transfer process is executed based on the fraud level of each financial account set as described above will be described. In addition to the case where the transfer process is performed using the ATM terminal 2, the transfer process may be performed using the user terminal 3 by a so-called Internet banking service. Below, although the case where a transfer process is performed using the ATM terminal 2 is demonstrated, the same warning process is performed also when a transfer process is performed using the user terminal 3. FIG.

  FIG. 11 is a flowchart showing a procedure of warning processing executed by the management apparatus 1 according to Embodiment 1 of the present invention. As described above, the management device 1 connected to the ATM terminal 2 so as to be communicable, when the ATM terminal 2 performs the transfer process, the transfer contents (transfer amount, transfer destination (payee destination) from the ATM terminal 2. The transfer information indicating the financial account and the transfer date and time) is received (S401).

  Next, the management apparatus 1 specifies the financial account of the transfer destination (payment destination) using the received transfer information, and then specifies the degree of fraud of the financial account with reference to the account DB 14A (S402). Then, the management device 1 determines whether or not the degree of fraud is greater than or equal to a predetermined value (S403). If it is determined that the value is not equal to or greater than the predetermined value (NO in S403), the management apparatus 1 instructs the ATM terminal 2 to execute normal processing (S404). The ATM terminal 2 that has received this instruction via the communication network 101 executes normal transfer processing without calling attention to the transfer person. As a result, the transfer process is normally accepted.

  On the other hand, if it is determined in step S403 that the degree of fraud of the financial account of the deposit destination is equal to or greater than a predetermined value (YES in S403), the management apparatus 1 displays a warning message for calling attention to the transfer person. To the ATM terminal 2 (S405). Upon receiving this instruction, the ATM terminal 2 displays a warning message such as “There is a possibility that the account of the bank account is invalid. Please consult at the counter before making the bank transfer” on the display. To alert the transfer person. This makes it possible to prevent fraudulent acts such as wire fraud.

  Various values can be adopted as the predetermined value in step S403. For example, a low value (for example, 1 or the like in the present embodiment) may be set on the safety side, or a higher value (for example, 3 or the like) may be set by loosening the reference.

  As described above, in the case of the present embodiment, the warning process is performed using the fraud level set by the second fraud level setting process. In the second fraud level setting process, the fraud level is set for each financial account based on the deposit / withdrawal chain information. In this deposit / withdrawal chain information, each financial account directly to a highly fraudulent financial account (such as account F in the example shown in FIG. 10) or indirectly through one or more other financial accounts. Shows the results of the deposit. As described above, in the present embodiment, performing the warning process based on the fraud level of the financial account of the transfer destination directly or indirectly from the financial account of the transfer destination to a financial account with a high fraud level. This is equivalent to performing warning processing based on whether or not deposit has been made. In this way, in this embodiment, since a warning can be issued according to the deposit / withdrawal results between the financial account of the transfer destination and another financial account with high fraud, Even if fraud is not recognized, a warning can be issued.

(Embodiment 2)
In the financial account management system of the first embodiment, the deposit / withdrawal chain information is generated based on the past transfer results. Therefore, in Embodiment 1, when money is transferred from one person to another person by transfer processing, a chain of deposits and withdrawals can be captured. However, according to the first embodiment, when cash is handed over instead of the transfer process, there is a problem that the chain is interrupted there. The financial account management system according to the second embodiment can also cope with such a case where cash is handed over.

  The financial account management system according to the present embodiment is configured by a management device that is communicably connected to the ATM terminals 2, 2,... And the user terminals 3, 3,. . FIG. 12 is a block diagram showing the configuration of the management apparatus. As shown in FIG. 12, the management device 10 includes a hard disk 14. An ATM deposit / withdrawal database (DB) 14 </ b> D in which ATM deposit / withdrawal information as deposit / withdrawal results in the ATM terminal 2 is stored in the hard disk 14. Is provided. Since other configurations are the same as those in the first embodiment, the same reference numerals are given and description thereof is omitted.

Details of the ATM deposit / withdrawal DB 14D will be described below.
FIG. 13 is a diagram showing an example of the layout of the ATM deposit / withdrawal DB 14D provided in the management apparatus 10 according to Embodiment 2 of the present invention. As shown in FIG. 13, the ATM deposit / withdrawal DB 14D stores an account ID field 211 in which an account ID of a financial account related to deposit / withdrawal is stored, and information indicating a branch where the used ATM terminal 2 is installed. It has at least a branch field 212, a deposit / withdrawal field 213 in which information indicating the deposit / withdrawal is stored, an amount field 214 in which the amount of deposit / withdrawal is stored, and a date / time field 215 in which the date / time of deposit / withdrawal is stored. .

  The above ATM deposit / withdrawal information is the same as the deposit / withdrawal information, and when the ATM terminal 2 performs cash deposit / withdrawal of a predetermined amount or more, such as 500,000 yen or 1 million yen, Generated using the amount of money and the date and time of deposit / withdrawal. Each information such as the account ID can be obtained from the computer system of each financial institution. Note that it is not necessary to set a lower limit for the amount of money as in the case of deposit / withdrawal record information.

  Hereinafter, the operation of the financial account management system of the present embodiment configured as described above will be described. In the present embodiment, the management device 10 executes the deposit / withdrawal chain generation process, fraud level setting process, and warning process according to the first embodiment, and deposit / withdrawal results according to cash deposit / withdrawal at the ATM terminal 2. Execute deposit / withdrawal record generation processing for generating information. This deposit / withdrawal result generation process is a process for associating these withdrawals and deposits when cash is deposited with respect to another ATM terminal 2 after cash is withdrawn from one ATM terminal 2. Applicable.

  FIG. 14 is a flowchart showing a procedure of deposit / withdrawal result generation processing executed by the management apparatus 10 according to the second embodiment of the present invention. This deposit / withdrawal record generation process is repeatedly executed at predetermined time intervals, such as every several hours.

  As illustrated in FIG. 14, the management device 10 refers to the ATM deposit / withdrawal DB 14 </ b> D to identify the withdrawal and deposit results that are close in amount and date (S <b> 501). Here, whether or not the amount of money and the date and time are close is determined in the same manner as in step S104 in the deposit / withdrawal chain generation process described above. In other words, when the amount of money withdrawn and the amount of money with deposit are the same amount or the difference between them is less than or equal to the predetermined amount, etc., the amount is close, and the date and time of payment is within a predetermined time from the date and time of withdrawal, etc. It is assumed that the date and time are close to each other.

  Next, the management device 10 refers to the ATM deposit / withdrawal DB 14D, identifies the branch where the ATM terminal 2 related to the withdrawal and deposit specified as described above is installed, and determines the geography of both branches. It is determined whether the target positions are close (S502). This determination can be made by various methods. For example, the management device 10 stores the latitude and longitude data of each branch, determines the distance between the two branches using the data, and determines whether the distance is equal to or less than a predetermined value. Conceivable. In addition, the management apparatus 10 stores in advance data indicating which branch is geographically close to each branch, and whether the geographical positions of the two branches are close by using the data. You may make it determine.

  The fact that withdrawals and deposits are made at geographically close points means that cash that a person withdraws from the ATM terminal 2 is handed over to the other person and then the ATM terminal by the other person. 2 is assumed to have been deposited. The above steps S501 and S502 correspond to processing for specifying withdrawals and deposits that are considered to have such a relationship.

  If it is determined in step S502 that the geographical positions of the two branches are not close to each other (NO in S502), the management apparatus 10 ends the process without generating deposit / withdrawal result information. On the other hand, when it determines with it being close (it is YES at S502), the management apparatus 10 produces | generates deposit / withdrawal track record information using the ATM deposit / withdrawal information which concerns those withdrawals and deposits (S503). More specifically, when the withdrawal is from the account A and the deposit is from the account B, the deposit / withdrawal record information is generated in which the deposit source is the account A and the deposit destination is the account B. . As for the amount of money in the deposit / withdrawal information, the amount is the same when the amount of money is the same as the amount of money withdrawn and the amount of money is the same as the average value. As for the date / time in the deposit / withdrawal record information, either the date / time of withdrawal or deposit is adopted.

  The management apparatus 10 registers the deposit / withdrawal record information generated as described above in the deposit / withdrawal record DB 14B (S504), and ends the process. With this deposit / withdrawal record generation process, withdrawal with cash and deposit are linked.

  As in the case of the first embodiment, the management device 10 executes the above-described deposit / withdrawal chain generation process using the deposit / withdrawal record DB 14B. In this deposit / withdrawal record DB 14B, since the deposit / withdrawal record information generated by the deposit / withdrawal record generation process is also stored, cash is handed over between one person and another person. However, the chain of deposits and withdrawals will not be interrupted. Therefore, in the present embodiment, it is possible to obtain a more accurate deposit / withdrawal chain than in the first embodiment.

  As described above, in the present embodiment, the withdrawals and deposits are linked based on the geographical location of the branch related to withdrawals and deposits, but they may be linked by other methods. Is possible. For example, the serial number of a banknote related to deposit / withdrawal may be read by the ATM terminal 2 or the like, and the management device 10 may link the withdrawal and deposit based on the read serial number. In that case, the management apparatus 10 produces | generates and memorize | stores and stores ATM deposit / withdrawal information including the serial number of a banknote, uses the ATM deposit / withdrawal information to identify the withdrawal and deposit with the same serial number, What is necessary is just to generate | occur | produce the deposit / withdrawal result information which linked | related the performed withdrawal and payment.

(Other embodiments)
In each of the above embodiments, the fraud level is set for each financial account based on the deposit / withdrawal chain information generated before the transfer is made, but the present invention is not limited to this. . For example, every time a transfer is made, that is, every time warning processing is executed, the same processing as the above-described deposit / withdrawal chain generation processing is performed to generate the deposit / withdrawal chain information, and the fraud level is predetermined based on the deposit / withdrawal chain information. A determination may be made as to whether or not there is a record of direct or indirect deposit from a transfer destination financial account with respect to a financial account greater than or equal to the value, and a warning may be issued according to the determination result.

  Moreover, in each embodiment mentioned above, although the function of the management apparatuses 1 and 10 is implement | achieved by the single computer 1a, the function of the management apparatuses 1 and 10 is implement | achieved by the distributed system by a some computer, for example. Various aspects are envisaged.

1,10 Financial Account Management Device 11 CPU
12 ROM
13 RAM
14 hard disk 14A account database 14B deposit / withdrawal result database 14C deposit / withdrawal chain database 14D ATM deposit / withdrawal database 15 communication interface 16 bus 2 ATM terminal 3 user terminal 101, 102 communication network

Claims (12)

A financial account management system that manages each financial account based on a fraud level indicating the degree of fraud set for each of a plurality of financial accounts,
A deposit / withdrawal record storage unit for storing deposit / withdrawal records between multiple financial accounts;
When depositing into one financial account, the deposit from the one financial account to the financial account with high fraud is directly performed based on the deposit / withdrawal record stored in the deposit / withdrawal record storage unit. Fraud determination means for determining whether or not it has been done indirectly through one or more other financial accounts;
A financial account management system comprising: warning means for outputting warning information when it is determined by the fraud determination means that the financial account having a high degree of fraud has been deposited. The deposit / withdrawal storage unit stores deposit / withdrawal results including the date / time of deposit / withdrawal between each financial account,
Whether the fraud determination means has indirectly made a deposit from the one financial account to a financial account with a high degree of fraud based on the date and time of deposit / withdrawal between the financial accounts included in the deposit / withdrawal results Configured to determine,
The financial account management system according to claim 1. The deposit / withdrawal storage unit stores the deposit / withdrawal results including the amount of deposit / withdrawal between each financial account,
Whether the fraud determination means has indirectly made a deposit from the one financial account to a financial account with a high degree of fraud based on the amount of deposit / withdrawal between the financial accounts included in the deposit / withdrawal record Configured to determine,
The financial account management system according to claim 1 or 2. The fraud determination means is configured to determine whether or not payment from the one financial account to a financial account with a high degree of fraud is performed based on a geographical position of a branch related to deposit and withdrawal.
The financial account management system according to any one of claims 1 to 3. The deposit / withdrawal storage unit stores a deposit / withdrawal record including a serial number of a banknote related to deposit / withdrawal,
The fraud determination means is configured to determine whether or not a deposit from the one financial account to a financial account with a high fraud is performed based on a serial number of a banknote included in the deposit / withdrawal record. ing,
The financial account management system according to any one of claims 1 to 3. Further comprising fraud level setting means for setting the fraud level of each financial account based on the deposit / withdrawal results stored in the deposit / withdrawal result storage unit;
The financial account management system according to any one of claims 1 to 5. The fraud level setting means is configured to set the fraud level of each financial account based on the number of financial accounts of deposit sources and / or the number of financial accounts of deposit destinations.
The financial account management system according to claim 6. The fraud level setting means is configured to set each financial account based on the number of deposits to each financial account and / or the number of deposits from each financial account.
The financial account management system according to claim 6 or 7. Based on the deposit / withdrawal results stored in the deposit / withdrawal storage unit, the deposit from each financial account to the financial account with high fraud is directly or indirectly through one or more other financial accounts It further comprises a deposit presence / absence judging means for judging whether or not it has been performed,
The fraud level setting means is configured to set the fraud level of each financial account based on the determination result by the deposit presence / absence determination means.
The financial account management system according to any one of claims 6 to 8. The deposit / withdrawal storage unit stores deposit / withdrawal results including the date / time of deposit / withdrawal between each financial account,
Whether the deposit presence / absence determining means has indirectly made a deposit from each financial account to the financial account with a high degree of fraud based on the date and time of deposit / withdrawal between the respective financial accounts included in the deposit / withdrawal results Configured to determine,
The financial account management system according to claim 9. The deposit / withdrawal storage unit stores the deposit / withdrawal results including the amount of deposit / withdrawal between each financial account,
Whether the deposit presence / absence determining means has indirectly made a deposit from each financial account to the financial account with a high degree of fraud based on the amount of deposit / withdrawal between each financial account included in the deposit / withdrawal record Configured to determine,
The financial account management system according to claim 9 or 10. The deposit presence / absence determining means is configured to determine whether or not deposit from each financial account to the financial account with a high degree of fraud is performed based on a geographical position of a branch related to deposit / withdrawal,
The financial account management system according to claim 9.

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