JP2020086537A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

To provide an automatic transaction device capable of detecting a trend of malicious users who repeat trial and error in creating counterfeit banknotes at an early stage and preventing the inflow of the counterfeit banknotes as a precautionary measure.SOLUTION: An automatic transaction device according to the present invention includes: discrimination means for determining whether or not one or more banknotes targeted for transaction include a counterfeit banknote and/or a doubtful banknote; and control means for setting a determination criteria subsequent to a second transaction after completion of a first transaction by the discrimination means to be stricter than in the first transaction when the discrimination means determines that a predetermined number or more of the counterfeit banknotes and/or the doubtful banknotes are included.SELECTED DRAWING: Figure 1

Description

The present invention relates to an automatic transaction device and an automatic transaction system.

2. Description of the Related Art Conventionally, an automatic transaction device typified by an automated teller machine (ATM) of a financial institution is designed to prevent the inflow of counterfeit tickets (or suspected counterfeit tickets) (for example, , Patent Document 1).

Generally, in ATM, the customer service section in which the banknotes are inserted separates the banknotes one by one, and the discrimination section performs a process of discriminating the inserted banknotes one by one. Then, the ATM temporarily holds the normal ticket (genuine ticket) in the escrow section (temporary holding section), and conveys rejected tickets such as counterfeit tickets and unknown tickets to the customer service section (returns to the user).

JP, 2011-113472, A

By the way, it is assumed that a malicious user who creates a forged ticket creates a forged ticket by trial and error. For example, there is a case in which a counterfeit ticket is created, and it is rejected by the ATM, rejected, rejected, the counterfeit ticket is recreated, the cycle of depositing, rejecting... is repeated, and finally the ATM accepts the ticket as a normal ticket. Be done. Then, the malicious user creates a large amount of accepted banknotes (counterfeit tickets) and carries out a large amount of deposit transactions.

The behavior of the malicious user as described above cannot be detected by the conventional ATM. That is, the financial institution confirms the inflow of the counterfeit ticket only after the counterfeit ticket is deposited in the ATM.

For example, in the ATM described in the above-mentioned Patent Document 1, an example is shown in which bills are identified multiple times by using multiple identification criteria in one deposit transaction. If the accuracy of banknote forgery is improved due to an error, it cannot be dealt with.

Therefore, there is a demand for an automatic transaction device and an automatic transaction system that can detect the trend of malicious users who repeat trial and error in creating counterfeit tickets at an early stage and prevent the inflow of counterfeit tickets as a measure against the waterfront.

The automatic transaction device of the first aspect of the present invention is (1) in the first transaction, a discrimination means for determining whether or not one or more banknotes to be transacted have counterfeit and/or doubtful notes. (2) As a result of the judgment by the discriminating means, if there are a predetermined number or more of the counterfeit bills and/or suspicious bills in the first transaction, the second discriminated by the discriminating means after completion of the first transaction. And a control means for setting the criterion of the determination after the transaction of 1) to be stricter than in the case of the first transaction.

The automatic transaction device according to the second aspect of the present invention includes (1) a discrimination means for determining whether or not a counterfeit note and/or a doubtful note exists in one or more banknotes to be traded, and (2) false When the number of transactions in which a ticket and/or a suspected bill exists reaches a predetermined number within a predetermined time, for the transaction after the predetermined number of times by the discrimination means, the transaction is performed before the predetermined number of times. And a control means for strictly setting a criterion for judgment.

A third aspect of the present invention is an automatic transaction system including a plurality of automatic transaction devices and a monitoring device that monitors the plurality of automatic transaction devices, wherein the automatic transaction device is (1-1) the first transaction. In (1), a discriminating means for discriminating whether or not counterfeit bills and/or suspect bills are present in one or more bills to be traded; And a notification unit for notifying the monitoring device of the warning information when a predetermined number or more of the counterfeit bills and/or suspected bills are present in the transaction (2), the monitoring device causes the warning information from the automatic transaction device. When it receives, the instruction means for instructing a part or all of the plurality of the automatic transaction devices is provided so as to tighten the determination standard of the discrimination means.

A fourth aspect of the present invention is an automatic transaction system including a plurality of automatic transaction devices and a monitoring device that monitors the plurality of automatic transaction devices, wherein the automatic transaction device is (1-1) the first transaction. In (1), the discrimination means for determining whether or not a counterfeit note and/or a questionable note exists in one or more banknotes to be traded, and (1-2) a transaction in which a fake note and/or a suspected note exist. And a notification means for notifying the monitoring device of the warning information when the number of times reaches the predetermined number within a predetermined time, and (2) the monitoring device receives the warning information from the automatic transaction device, and then performs the discrimination. In order to make the criteria of the means judgment strict, an instruction means for instructing a part or all of the plurality of automatic transaction devices is provided.

According to the present invention, it is possible to detect a trend of a malicious user who repeats trial and error of creating a forged ticket at an early stage, and prevent the inflow of the forged ticket as a measure against the waterfront.

It is a block diagram which shows the internal structure of the automatic transaction apparatus which concerns on 1st Embodiment. It is a whole lineblock diagram showing the whole financial transaction system composition concerning a 1st embodiment. It is an external appearance perspective view which shows the external appearance structure of the automatic transaction apparatus which concerns on 1st Embodiment. It is a block diagram showing a detailed composition of a bill cash-receipt-and-disbursement part concerning a 1st embodiment. It is a flowchart which shows operation|movement at the time of deposit transaction being performed in the automatic transaction apparatus which concerns on 1st Embodiment. It is a whole block diagram which shows the whole structure of the financial transaction system which concerns on 2nd Embodiment. It is a flowchart which shows operation|movement at the time of deposit transaction being performed with the automatic transaction apparatus which concerns on 2nd Embodiment. It is a sequence diagram which shows operation|movement of the financial transaction system which concerns on 2nd Embodiment (change operation|movement of the criterion of a forged ticket).

(A) First Embodiment Hereinafter, a first embodiment of an automatic transaction device according to the present invention will be described in detail with reference to the drawings.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration FIG. 2 is an overall configuration diagram showing the overall configuration of the financial transaction system according to the first embodiment. In FIG. 2, the financial transaction system 5 includes an automatic transaction device 1 connectable to the network N and a host computer 2 as an external device.

The network N is a communication network capable of communicating data relating to financial transactions, and for example, a dedicated network can be applied. Further, the network N may be a public network as long as it can communicate data relating to financial transactions.

The automated teller machine 1 is, for example, an automatic teller machine (ATM) provided at a financial institution, a station, a convenience store, a hotel and the like. The automatic transaction device 1 is capable of communicating with the host computer 2 via the network N and performs various financial transactions such as transfer transaction, deposit transaction (deposit transaction), withdrawal transaction (withdrawal transaction), and the like. is there. In addition, in FIG. 2, only one automatic transaction device 1 is illustrated for ease of explanation. However, in reality, each of the plurality of automatic transaction devices 1 is connected to the host computer 2 via the network N.

The host computer 2, which is a host computer of a financial institution, manages the content of the transaction performed by the customer based on the acquired information on the transaction when the information on the transaction is acquired from the automatic transaction device 1.

(A-1-2) Detailed Configuration of Automatic Transaction Device 1 FIG. 3 is an external perspective view showing an external configuration of the automatic transaction device according to the first embodiment. In FIG. 3, the automatic transaction device 1 according to the first embodiment has an operation display unit 12, a card slot 13, a banknote slot 14, and a receipt outlet 16.

The operation display unit 12 displays, for example, a transaction type selection menu screen, an operation screen for each transaction, a transaction content confirmation screen, and the like, and captures input information input by the customer. As the operation display unit 12, for example, a touch panel type operation display unit can be applied. The operation display unit 12 is not limited to the touch panel type in which the operation unit and the display unit are integrated, and the operation unit and the display unit may be physically different from each other.

The card entry/exit 13 is used by a customer to insert a cash card or remove a cash card.

The bill inlet/outlet port 14 is for a customer to insert a bill or take out a bill. As the bill inlet/outlet port 14, for example, a bucket type having an openable/closable body can be used. When the customer inserts a bill, the customer inserts the bill into the opening of the bucket, and then the automatic transaction device 1 takes in the inserted bill with the opening/closing body closed. When the automatic transaction device 1 returns a bill, the automatic transaction device 1 feeds the bill to the bucket, and then the opening/closing body is opened.

The receipt discharge port 16 is for discharging a statement slip (receipt) on which transaction details are printed.

FIG. 1 is a block diagram showing an internal configuration of the automatic transaction device according to the first embodiment. In FIG. 1, the automatic transaction device 1 includes a control unit 10 serving as a control unit, a storage unit 20, a communication unit 30, an operation display control unit 40, a card processing unit 50, a banknote deposit/withdrawal unit 60, and a statement slip issuing unit 80. Have.

The control unit 10 is mainly configured by a CPU (Central Processing Unit) (not shown), and reads a predetermined program from a ROM (Read Only Memory), a RAM (Random Access Memory), and a storage unit 20 to execute the program. It controls various parts to perform various processes such as deposit transactions, withdrawal transactions, and balance inquiry transactions.

The storage unit 20 stores a processing program executed by the control unit 10, and is configured by, for example, a flash memory, an HDD, or the like.

The communication unit 30 is a network interface for connecting to the host computer 2 via the network N.

The operation display control unit 40 controls the operation of the operation display unit 12 under the control of the control unit 10. The operation display control unit 40 displays a screen on the operation display unit 12 or gives information input from the operation display unit 12 to the control unit 10 based on the screen information from the control unit 10.

The card processing unit 50 processes a card (cash card) inserted in the card slot 13. The card processing unit 50 processes the card under the control of the control unit 10.

The banknote deposit/withdrawal unit 60 stores and manages banknotes by denomination under the control of the control unit 10. The detailed configuration of the bill deposit/withdrawal unit 60 will be described later.

Under the control of the control unit 10, the statement slip issuing unit 80 prints the transaction result on the transaction statement slip and issues (discharges) the receipt output port 16.

Next, a detailed configuration of the bill deposit/withdrawal unit 60 will be described.

FIG. 4 is a block diagram showing a detailed configuration of the banknote deposit/withdrawal unit according to the first embodiment.

The banknote deposit/withdrawal section 60 includes a banknote recognition section 61, a banknote temporary storage section 62, a banknote storage section 63, and a recognition information storage section 64.

The bill recognition unit 61 discriminates bills passing one by one. Specifically, the bill recognition unit 61 discriminates the denomination, authenticity, and the like of the bill conveyed through a conveyance path (not shown), and stores the passing bill in a recognition information storage unit 64 described later. According to the judgment criteria, the normal judgment or the reject judgment is performed. The bill recognition unit 61 notifies the control unit 10 of the determination result.

Here, in the present embodiment, the banknotes classified as “authentic” and “damaged” stored as the classification result are classified as “genuine notes” and “genuine notes” that are classified as genuine banknotes. “Fake bills” (counterfeit bills), “suspicious bills” that have been discriminated as having questionable discrimination results (suspected of being fake bills), and other “unknown bills”. Further, the rejection determination is performed based on factors such as fake bills (suspect bills) and bad bills (dirt, damage, external shape abnormality, etc.).

The banknote temporary holding section 62 temporarily holds the deposited banknotes and the banknotes to be dispensed.

The bill storage unit 63 is a unit that can store bills for each denomination (for example, a detachable cassette), and has both functions of stacking and separating bills.

The recognition information storage unit 64 stores the judgment standard for counterfeit bills. For example, the criterion for determining a fake bill can be set by changing the boundary (threshold) of whether a bill is a genuine bill or a fake bill (or a doubtful bill). The criterion for determining a fake bill may be set for each of a plurality of stages (levels), or may be calculated and set for each occasion as necessary.

In general, if the criteria for counterfeit bills are tightened, the accuracy of discovering that the inserted bill is a counterfeit bill can be improved, while normal bills are also judged as counterfeit bills (or doubtful bills). It also becomes a matter.

In this embodiment, a threshold (various parameters) in a criterion for distinguishing a fake bill (suspicious bill) is used as a countermeasure against the inflow of a fake bill (suspicious bill) into an ATM from the viewpoint of safety that a false bill is not accepted. Set with emphasis on. For example, the automatic transaction device 1 (the control unit 10) may perform a certain transaction (for example, a deposit transaction from the insertion of a card to the ejection thereof, and the act of inserting a banknote into the banknote inlet/outlet 14 multiple times. , Which is included in one transaction), when the number of counterfeit bills (or doubtful bills) of the inserted bills exceeds a certain number, the criterion of the counterfeit bills applied after the next transaction is tightened (recognition information storage unit 64). Strictly set the criteria for determining fake bills).

In addition, the control unit 10 can apply various conditions as a condition for strictly changing the determination criteria. For example, a counterfeit bill (of the inserted bills) within a predetermined time, not a certain transaction, can be applied. Or, if the number of suspected bills is a certain number or more, the judgment standard of the counterfeit bill applied after the next transaction may be strict, or the counterfeit bill and the suspected bill may be judged individually. Further, the control unit 10 determines whether or not a fake bill (or a suspicious bill) is included in a plurality of transactions within a predetermined period of time, even if the number of transactions is a certain number of times. May be strict.

(A-2) Operation of First Embodiment Next, the operation of the financial transaction system 5 (automatic transaction device 1) of the first embodiment having the above configuration will be described.

FIG. 5 is a flowchart showing an operation when a deposit transaction is carried out by the automatic transaction device according to the first embodiment.

When a card is inserted through the card inlet/outlet 13, the control unit 10 causes the card processing unit 50 to receive a card insertion notification and the read card information, and to operate the operation display unit 12 to accept a transaction selection. A screen (hereinafter referred to as "transaction selection screen") is displayed (S101).

When accepting the deposit transaction from the customer via the transaction selection screen, the control unit 10 issues an instruction to open the shutter of the bill inlet/outlet port 14 (S102, S103).

When accepting cash input from the customer via the bill inlet/outlet 14, the control unit 10 gives an instruction to close the shutter of the bill inlet/outlet 14 (S104, S105).

The control unit 10 instructs the bill depositing/dispensing unit 60 to count bills (including discrimination) (S106).

The banknote pay-in/pay-out unit 60 counts the banknotes by the banknote recognition unit 61, and returns the reject banknotes to the banknote pay-in/out port 14 if there are reject banknotes (S107).

When the control unit 10 receives the notification of the completion of counting the inserted bills from the bill recognition unit 61, the control unit 10 determines whether or not the number of counterfeit bills and suspect bills is a predetermined number (threshold) or more (S108). When the number of counterfeit notes and suspect notes is equal to or larger than a certain number, the control unit 10 strictly changes the counterfeit note determination criteria of the bill recognition unit 61 from the next time onward, so that the determination criteria of the recognition information storage unit 64 may be changed. Is changed (S109). The rigorously changed criteria for counterfeit tickets will be used when counting banknotes in subsequent transactions.

On the other hand, the banknote deposit/withdrawal unit 60 stores the inserted banknotes counted by the banknote recognition unit 61 in the banknote temporary storage unit 62 (S110).

Further, the control unit 10 displays the counting result (amount of money, etc.) of the bill on the operation display unit 12 and receives confirmation of the amount of money from the customer (S111, S112).

Subsequently, when the control unit 10 receives confirmation (OK) of the counting result by the customer, after returning the card and issuing the receipt, the transaction processing ends (S113). On the other hand, when the control unit 10 accepts the cancellation of the counting result by the customer, it returns the inserted bill and the card, and then ends the transaction processing (S114).

(A-3) Effect of First Embodiment According to the present invention, when a certain number or more of counterfeit bills (suspicious bills) are detected, the criteria for determining counterfeit bills from the next time onward become strict automatically. Even if a malicious user repeatedly tries to deposit counterfeit bills, the risk of accepting counterfeit bills can be reduced.

For example, even if a counterfeit ticket for which the forgery accuracy of banknotes is improved (improved) is inserted into the automatic transaction device 1 at a later date by tightening the criterion for judging the counterfeit note, the criterion for judging the counterfeit note becomes stricter. Therefore, it is possible to prevent the forged ticket from flowing into the device.

(B) Second Embodiment Next, a second embodiment of the automatic transaction device according to the present invention will be described in detail with reference to the drawings. Also in this embodiment, an example in which the automatic transaction device of the present invention is applied to an ATM will be described.

(B-1) Configuration of Second Embodiment Also regarding the configuration of the automatic transaction device 1 of the second embodiment, basically, similar to the first embodiment, FIG. 1, FIG. 3, and FIG. 4 are used. Can be shown. However, the configuration of FIG. 6 is applied to the financial transaction system. In the following, the points different from the first embodiment will be mainly described.

FIG. 6 is an overall configuration diagram showing the overall configuration of the financial transaction system according to the second embodiment. 6, in the financial transaction system 5A, the monitoring server 3 is added to the configuration of the financial transaction system 5 shown in FIG. 2 described above. Further, FIG. 6 shows that a plurality of automatic transaction devices 1 (automatic transaction devices 1-1 to 1-n) are provided.

The monitoring server 3 is a device that monitors the use of counterfeit bills (or suspicious bills) with respect to the automated teller machines 1 (1-1 to 1-n) connected to the network N. When the monitoring server 3 receives an alarm of counterfeit bills (or suspicious bills) exceeding a certain number from a certain automatic transaction device 1, the monitoring server 3 calculates a criterion for determining counterfeit bills (calculates to be strict) and notifies the alarm. The other automatic transaction devices 1 including the automatic transaction device 1 are notified of the new counterfeit bill determination criteria.

Unlike the first embodiment, the automated teller machine 1 (control unit 10) of the second embodiment uses the judgment criterion of the fake bill notified from the monitoring server 3 as its own judgment criterion. That is, the control unit 10 updates the judgment standard of the counterfeit bill in the recognition information storage unit 64 every time the judgment standard of the counterfeit bill is notified from the monitoring server 3. Further, the automatic transaction device 1 (control unit 10) of the second embodiment counts counterfeit bills (or suspicious bills) as in the first embodiment, but when a certain number is exceeded, The alarm for excess counterfeit bill is issued to the monitoring server 3.

(B-2) Operation of Second Embodiment Next, the operation of the financial transaction system 5A of the second embodiment having the above configuration will be described.

FIG. 7 is a flowchart showing an operation when a deposit transaction is carried out in the automatic transaction device according to the second embodiment. The process shown in FIG. 7 is basically the same as the process shown in FIG. 4 described above, except that step S201 is applied instead of step S109 described above. Only different points will be described below.

Following step S108 described above, the control unit 10 notifies the monitoring server 3 of the information in which the fake bill (or the suspicious bill) is used when the number of the fake bills and the suspect bills is equal to or larger than a predetermined number.

FIG. 8 is a sequence diagram showing the operation of the financial transaction system according to the second embodiment (operation of changing the judgment standard for counterfeit tickets). FIG. 8 shows an example in which the automatic transaction device 1-1 performs the above-described processing of step S201 (counterfeit bill excess alarm).

When the monitoring server 3 receives the counterfeit ticket excess alarm from the automated teller machine 1-1, the monitoring server 3 recalculates the counterfeit ticket determination criteria based on the received information (S202).

The monitoring server 3 notifies the information of the newly calculated counterfeit bill determination criteria (stricter criteria than before) to all other automated transaction apparatuses 1-1 to 1-n including the automated transaction apparatus that has notified the alarm. Yes (S203). It should be noted that the monitoring server 3 may not notify all the automatic transaction devices 1 but may notify the devices of all the same branch offices or all devices of the same area in a limited manner.

When the automated transaction device 1 (control unit 10) is notified by the monitoring server 3 of the counterfeit bill determination criteria, it updates the counterfeit bill determination criteria of the recognition information storage unit 64 (S204).

(B-3) Effects of Second Embodiment According to the second embodiment, the following effects are obtained in addition to the effects of the first embodiment.

When the monitoring server 3 monitors the use of counterfeit bills (or suspect bills) in all the automatic transaction devices 1 and detects the use of counterfeit bills (or suspect bills), a plurality of stricter criteria for counterfeit bills are set. It transmits simultaneously to the automatic transaction devices 1 of the units. This can reduce the risk of using counterfeit tickets that occur frequently.

(C) Other Embodiments Although various modified embodiments have been mentioned in each of the above-described embodiments, they can be applied to the following modified embodiments.

(C-1) In each of the above-described embodiments, an example of reducing the risk of acceptance by automatically increasing the determination level for detecting a forged ticket when a forged ticket (suspicious note) is used is shown. It was For example, at the same time as increasing the determination level for detecting a forged ticket, the monitoring server 3 invalidates the card used by the user to prevent future transactions, freezes the account number of the transfer destination, and It is also possible to prevent the transfer from being made thereafter, to communicate with the face image taken during the transaction, and to notify the branch or the security company where the relevant device is located. These measures can prevent future use of counterfeit tickets.

(C-2) In each of the above embodiments, the configuration of the automatic transaction device 1 that copes with the case where a banknote is counterfeited as cash is shown. However, even when handling a coin, the determination level for detecting a counterfeit coin is changed. By doing so, it is possible to realize a measure against the edge of the inflow of counterfeit coins.

(C-3) In each of the above-described embodiments, an example is shown in which the determination level for detecting a forged ticket is changed for a transaction to be deposited, but similarly for a transaction to be dispensed, a certain number of fake tickets ( Alternatively, when a suspicious note) is detected, the determination level for detecting a forged ticket may be strict.

(C-4) All or part of the components and/or conditions of each of the above embodiments may be combined.

1... Automatic transaction device, 2... Host computer, 3... Monitoring server, 5 and 5A... Financial transaction system, 10... Control part, 12... Operation display part, 13... Card entry/exit, 14... Banknote entry/exit, 16... Receipt Ejection port, 20... Storage section, 30... Communication section, 40... Operation display control section, 50... Card processing section, 60... Banknote deposit/withdrawal section, 61... Banknote recognition section, 62... Banknote temporary storage section, 63... Banknote storage Part, 64... Recognition information storage part, 80... Statement slip issuing part, N... Network.

Claims (5)

In the first transaction, a discrimination means for determining whether or not counterfeit bills and/or suspicious bills are present in one or more bills to be traded,
As a result of the judgment by the discriminating means, when there are a predetermined number or more of the counterfeit bills and/or suspected bills in the first transaction, the discriminating means performs the second transaction after the first transaction and the second and subsequent transactions. An automatic transaction device, comprising: a control unit that sets a criterion for determination to be stricter than in the case of the first transaction. A discriminating means for judging whether or not counterfeit bills and/or suspicious bills are present in one or more bills to be traded;
If the number of transactions in which there are counterfeit and/or suspicious notes has reached a predetermined number within a predetermined time, for transactions after reaching the predetermined number of times by the discrimination means, than before reaching the predetermined number of times. An automatic transaction device, comprising: a control unit that strictly sets the criterion for the determination. It also has a customer service department that accepts banknotes from customers,
The control means, when there are a predetermined number or more of the counterfeit bills and/or suspicious bills in the banknotes received by the customer service section in the first transaction, the second means after the first transaction by the discrimination means. The automatic transaction device according to claim 1, wherein the criterion of the determination after the transaction is set to be stricter than that in the case of the first transaction. An automatic transaction system comprising a plurality of automatic transaction devices and a monitoring device for monitoring a plurality of the automatic transaction devices,
The automatic transaction device,
In the first transaction, a discrimination means for determining whether or not counterfeit bills and/or suspicious bills are present in one or more bills to be traded,
As a result of the judgment by the discriminating means, when there is a predetermined number or more of the counterfeit bills and/or suspect bills in the first transaction, there is provided a notifying means for notifying the monitoring device of warning information,
The monitoring device is
When receiving the warning information from the automatic transaction device, the automatic transaction system is provided with an instruction means for instructing a part or all of the plurality of automatic transaction devices so as to tighten the criterion of the discrimination means. . An automatic transaction system comprising a plurality of automatic transaction devices and a monitoring device for monitoring a plurality of the automatic transaction devices,
The automatic transaction device,
In the first transaction, a discrimination means for determining whether or not counterfeit bills and/or suspicious bills are present in one or more bills to be traded,
When the number of transactions in which counterfeit bills and/or suspicious bills exist reaches a predetermined number within a predetermined time, a notification means is provided for notifying the monitoring device of warning information,
The monitoring device is
When receiving the warning information from the automatic transaction device, the automatic transaction system is provided with an instruction means for instructing a part or all of the plurality of automatic transaction devices so as to tighten the criterion of the discrimination means. .

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