JP2020205119A - Remittance fraud prevention device, remittance fraud prevention method, and program - Google Patents

Abstract

To provide a remittance fraud prevention device, a remittance fraud prevention method, and a program capable of more appropriately warning a user who may easily become a victim of a remittance fraud.SOLUTION: A remittance fraud prevention device includes: a reception part for receiving specific information from a detection device which detects a user of an automatic transaction device by a human sensor installed corresponding to a plurality of automatic transaction devices and transmits the specific information when a telephone conversation time of a portable terminal around the plurality of automatic transaction devices reaches prescribed time; a determination part for identifying the automatic transaction device that the user is using and determining whether a transfer transaction is being carried out at the identified automatic transaction device when the reception part receives the specific information; and a generation part for generating warning information when the determination part determines that a transfer transaction is being carried out.SELECTED DRAWING: Figure 6

Description

The present invention relates to a wire fraud prevention device, a wire fraud prevention method, and a program.

Patent Document 1 states that "a person who is talking on a mobile phone within a predetermined area in front of an ATM is reliably detected, and there is a possibility that a transfer fraud may occur only to that person and an ATM administrator such as an employee. A mobile phone use detection alarm device and an ATM device that issue a warning to that effect are disclosed.

JP-A-2009-294816

However, in Patent Document 1, the presence or absence of human invasion into a predetermined area is detected, and the presence or absence of a transmitted radio wave of a mobile phone is detected. Then, in Patent Document 1, a warning regarding the occurrence of wire fraud is given only when a human has entered the predetermined area and the transmitted radio wave of the mobile phone is detected.

Therefore, in Patent Document 1, a user who performs a procedure other than a transfer transaction (for example, a balance inquiry, etc.) may erroneously warn even when using a mobile phone.

Therefore, an object of the present invention is to provide a technique capable of more appropriately warning a user who is likely to be involved in wire fraud.

The present application includes a plurality of means for solving at least a part of the above problems, and examples thereof are as follows. In order to solve the above problems, in the wire fraud prevention device according to the present invention, the user of the automated teller machine is detected by a human sensor provided corresponding to the plurality of automated teller machines, and the user of the automated teller machine is detected in the vicinity of the plurality of automated teller machines. When the predetermined information is received by the receiving unit that receives the predetermined information from the detection device that transmits the predetermined information when the talk time of the mobile terminal elapses, and the receiving unit, the user uses the predetermined information. A determination unit that identifies the automated teller machine and determines whether or not a transfer transaction is being performed in the specified automated teller machine, and warning information when the determination unit determines that a transfer transaction is being performed. It is characterized by having a generation unit for generating the above.

Further, the above-mentioned wire fraud prevention device is further characterized by further including a transmission unit that transmits warning information generated by the generation unit to a warning device provided corresponding to a plurality of automatic teller machines. It may be a thing.

Further, in the above-mentioned wire fraud prevention device, after the generation unit generates warning information, if the automatic teller machine suspends the transfer transaction because the user did not stop the transfer transaction, a notification is sent to the call center. It may be characterized by further having a processing unit.

In addition, the above-mentioned wire fraud prevention device is further characterized by having a transaction processing unit that gives an instruction to resume the transfer transaction to the automatic teller machine that has suspended the transfer transaction when the call center gives an instruction to resume the transaction. It may be.

Further, the above-mentioned wire fraud prevention device is further characterized by further having an output processing unit that controls the output of a journal including a personal identification number from an automatic teller machine that holds a transfer transaction. Good.

Further, in the above-mentioned wire fraud prevention device, if the PIN code included in the journal and the PIN code entered by the user in the automatic teller machine match, the transaction processing unit resumes the held transfer transaction. It may be characterized by further having.

Further, in the above-mentioned wire fraud prevention device, when the second predetermined information is received after the first predetermined information is received by the receiving unit, the communication line of the intercom provided in the plurality of automatic trading devices is received. It may be characterized by further having a line processing unit for determining whether or not the number exceeds.

Further, in the above-mentioned wire fraud prevention device, when it is determined by the line processing unit that the communication line of the intercom is exceeded, the user information in the first predetermined information and the use in the second predetermined information are used. It may be characterized by further having a priority determination unit for determining the reception priority of the first predetermined information and the second predetermined information based on the person information.

Further, in the above-mentioned wire fraud prevention device, even if the generation unit generates warning information when it is determined by the determination unit that a withdrawal transaction is being performed. Good.

Further, in the wire fraud prevention method according to the present invention, a user of an automated teller machine is detected by a human sensor provided in the computer corresponding to a plurality of automated teller machines, and a mobile terminal around the plurality of automated teller machines is detected. When the predetermined information is received from the detection device that transmits the predetermined information when the talk time has elapsed, and the reception step receives the predetermined information, the user uses the reception step. A determination step of identifying an automated teller machine and determining whether or not a transfer transaction is being performed in the specified automated teller machine, and a warning information is generated when it is determined by the determination step that a transfer transaction is being performed. It is characterized by a generation step to be performed and execution.

Further, in the program according to the present invention, the user of the automated teller machine is detected by a human sensor provided on the computer corresponding to the plurality of automated teller machines, and the talk time of the mobile terminal around the plurality of automated teller machines is detected. A reception step for receiving the predetermined information from a detection device that transmits the predetermined information when the predetermined time elapses, and an automatic teller machine used by the user when the predetermined information is received by the reception step. A determination step of identifying a device and determining whether or not a transfer transaction is being performed in the specified automated teller machine, and a generation step of generating warning information when it is determined by the determination step that a transfer transaction is being performed. And, it is characterized by executing.

According to the present invention, it is possible to more appropriately warn a user who is likely to be involved in wire fraud. Issues, configurations, and effects other than those described above will be clarified by the description of the following embodiments.

It is a figure which showed the configuration example of the wire fraud prevention system which applied the wire fraud prevention device which concerns on 1st Embodiment. It is a figure which showed the block configuration example of the wire fraud prevention system. It is a figure which showed the functional block configuration example of the radio wave detection device. It is a figure which showed the functional block configuration example of ATM. It is a figure which showed the functional block configuration example of a warning device. It is a figure which showed the functional block configuration example of the wire fraud prevention device. It is a figure which showed the data structure example of the customer master DB. It is a figure which showed the data structure example of the transaction history DB. It is a figure which showed the data structure example of ATMDB. It is a sequence diagram which showed the operation example of the wire fraud prevention system. It is a sequence diagram which showed the operation example of the wire fraud prevention system. It is a flowchart explaining the operation example of the wire fraud prevention device which concerns on 2nd Embodiment. It is a sequence diagram which showed the operation example of the wire fraud prevention system which concerns on 3rd Embodiment. It is a figure which showed the hardware configuration example of the wire fraud prevention device.

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

[First Embodiment]
In recent years, there has been an increase in spoofing fraud, fictitious billing fraud, loan deposit fraud, and refund fraud (collectively referred to as transfer fraud) that instruct the operation of automated teller machines such as ATMs to make transfers using mobile terminals. doing. The wire fraud prevention system described below suppresses the occurrence of such wire fraud.

FIG. 1 is a diagram showing a configuration example of a wire fraud prevention system to which the wire fraud prevention device according to the first embodiment is applied. FIG. 1 shows an ATM (Automated Teller Machine) booth installed in a financial institution such as a bank, together with a wire fraud prevention system. As shown in FIG. 1, the wire fraud prevention system includes a wire fraud prevention device 1, a radio wave detection device 2, a motion sensor 3a to 3d, warning devices 4a to 4d, ATMs 5a to 5d, and a call center 6. Have. The wire fraud prevention device 1, the radio wave detection device 2, the warning devices 4a to 4d, the ATMs 5a to 5d, and the call center 6 are connected via, for example, a network 7 such as the Internet or a dedicated line.

Each of the ATMs 5a to 5d is installed in the ATM booth so that the operation of the ATMs 5a to 5d by the user cannot be seen by others.

The motion sensors 3a to 3d are installed on the ceiling above each ATM booth, for example. That is, the motion sensors 3a to 3d are provided corresponding to each of the ATMs 5a to 5d.

The motion sensors 3a to 3d detect a user (a user who uses the ATMs 5a to 5d) standing in front of the ATMs 5a to 5d. When the motion sensors 3a to 3d detect a user standing in front of the ATMs 5a to 5d, they transmit a signal to the effect that the user has been detected to the radio wave detection device 2. Hereinafter, the signal indicating that the user has been detected may be referred to as a user detection signal.

The radio wave detection device 2 is installed in the ceiling above the ATM booth, for example. The radio wave detection device 2 is connected to the motion sensors 3a to 3d and receives the user detection signal transmitted from the motion sensors 3a to 3d.

The radio wave detection device 2 has a radio wave detection unit (see FIG. 3) that detects a call radio wave emitted by a mobile terminal around the ATM booth. The mobile terminal that emits the call radio wave is, for example, a mobile phone or a smart phone.

The radio wave detection unit of the radio wave detection device 2 can determine whether or not the mobile terminal is emitting a call radio wave, but cannot grasp the position of the mobile terminal that is emitting the call radio wave. That is, the radio wave detection unit of the radio wave detection device 2 cannot determine which ATMs 5a to 5d the user is operating while talking on the mobile terminal. Therefore, the radio wave detection device 2 identifies the user who is operating the ATMs 5a to 5d while talking on the mobile terminal by the user detection signal transmitted from the motion sensors 3a to 3d.

The radio wave detection device 2 receives user detection signals from the motion sensors 3a to 3d, detects a call radio wave emitted from a mobile terminal for a predetermined time, and transmits the predetermined information to the wire fraud prevention device 1. The predetermined information is, for example, information indicating that there is a user who is talking for a predetermined time while operating the ATMs 5a to 5d. Hereinafter, this predetermined information may be referred to as call user information.

Here, in wire fraud, a person who commits fraud generally instructs a user to make a transfer transaction while giving instructions on a mobile terminal. Therefore, a user who makes a call (or a call exceeding a predetermined time) on a mobile terminal while operating the ATMs 5a to 5d is likely to be involved in wire fraud.

On the other hand, there are also users who are engaged in transactions other than transfer transactions while talking on mobile terminals. For example, there are some users who make a deposit while talking on a mobile terminal for a predetermined time and perform operations such as filling in a passbook. Such users are unlikely to be involved in wire fraud.

Therefore, the wire fraud prevention device 1 receives the call user information from the radio wave detection device 2 and warns the user of the wire fraud when the user is conducting a wire transfer transaction. In other words, even if the transfer fraud prevention device 1 receives the call user information from the radio wave detection device 2, the transfer fraud prevention device 1 does not warn the user of the transfer fraud unless the user has made a transfer transaction. As a result, the wire fraud prevention device 1 can more appropriately warn the user who is likely to be involved in wire fraud.

The wire fraud prevention device 1 receives call user information from the radio wave detection device 2 and generates warning information when the user makes a transfer transaction at ATMs 5a to 5d. The determination of whether or not the user is conducting a transfer transaction will be described in detail below. For example, the user has pressed the start button of the transfer transaction on the screen for selecting the transaction type of ATM5a to 5d. In that case, it can be determined that the user is conducting a transfer transaction.

The wire fraud prevention device 1 transmits the generated warning information to the warning devices 4a to 4d provided in the ATMs 5a to 5d that are operated while talking on the phone.

Warning devices 4a to 4d are installed above the ATMs 5a to 5d. That is, the warning devices 4a to 4d are provided corresponding to each of the ATMs 5a to 5d.

When the warning devices 4a to 4d receive the warning information from the wire fraud prevention device 1, for example, the warning devices 4a to 4d display information for warning the wire fraud. For example, in the case of the example of FIG. 1, the warning device 4b displays information (a diagonal line mark on the circle) warning the wire fraud on the display device.

The motion sensors 3a to 3d may be provided in the ATMs 5a to 5d. Further, the wire fraud prevention device 1 may be installed in a financial institution facility such as a bank, or may be installed in an external facility such as a data center that provides a wire fraud prevention service, for example. Further, the number of motion sensors 3a to 3d, ATMs 5a to 5d, and warning devices 4a to 4d installed is not limited to the example of FIG. Further, the warning devices 4a to 4d may be provided by the ATMs 5a to 5d (may be integrated with the ATMs 5a to 5d).

Further, although not shown in FIG. 1, the ATMs 5a to 5d are provided with an intercom. The call center 6 can call the intercoms of ATMs 5a to 5d. As will be described later, the wire fraud prevention device 1 generates warning information, and when a predetermined condition is satisfied, notifies the call center 6 of the possibility of wire fraud. Then, the call center 6 calls the intercoms of ATMs 5a to 5d to alert the user to wire fraud.

FIG. 2 is a diagram showing a block configuration example of a wire fraud prevention system. In FIG. 2, the same ones as those in FIG. 1 are designated by the same reference numerals. As shown in FIG. 2, the motion sensors 3a to 3d are connected to the radio wave detection device 2. The radio wave detection device 2 is connected to the wire fraud prevention device 1 via the network 7.

The warning devices 4a to 4d are connected to the wire fraud prevention device 1 via the network 7. The ATMs 5a to 5d are connected to the wire fraud prevention device 1 via the network 7. The call center 6 is connected to the wire fraud prevention device 1 via the network 7.

FIG. 3 is a diagram showing a functional block configuration example of the radio wave detection device 2. As shown in FIG. 3, the radio wave detection device 2 includes a communication unit 11, a radio wave detection unit 12, and a control unit 13.

The communication unit 11 communicates with the motion sensors 3a to 3d. The communication unit 11 receives the user detection signal from the motion sensors 3a to 3d. In addition, the communication unit 11 communicates with the wire fraud prevention device 1. The communication unit 11 transmits the call user information generated by the control unit 13, which will be described later, to the wire fraud prevention device 1.

The radio wave detection unit 12 detects a call radio wave emitted by a mobile terminal around ATMs 5a to 5d.

The control unit 13 generates call user information when the user detection signal is received by the communication unit 11 and the call radio wave emitted by the mobile terminal is detected by the radio wave detection unit 12 for a predetermined time. That is, the control unit 13 generates call user information when the user operating the ATMs 5a to 5d is talking on the mobile terminal for a predetermined time (calling beyond a predetermined time). The call user information includes, for example, information about ATMs 5a to 5d used by the user and information indicating that the user is talking for a predetermined time.

FIG. 4 is a diagram showing an example of a functional block configuration of the ATM 5a. As shown in FIG. 4, the ATM 5a has a communication unit 21, a display unit 22, an input unit 23, a printing unit 24, and a control unit 25.

The communication unit 21 communicates with the wire fraud prevention device 1.

The display unit 22 displays the transaction content on a display device such as an LCD (Liquid Crystal Display) included in the ATM 5a. For example, the display unit 22 displays on the display device a transaction classification such as a transfer transaction or a withdrawal, an amount of money to be traded, and the like.

The input unit 23 accepts the user's operation. For example, the display device included in the ATM 5a is provided with a touch panel, and the input unit 23 receives the operation information of the user from the touch panel.

The printing unit 24 outputs, for example, a journal showing usage details and the like from the printer included in the ATM 5a.

The control unit 25 performs transaction operations of the ATM 5a, control of cash card in / out, communication control with the call center 6, and the like.

Although FIG. 4 shows a functional block configuration example of the ATM 5a, the ATMs 5b to 5d also have the same functional block configuration example as in FIG.

FIG. 5 is a diagram showing an example of a functional block configuration of the warning device 4a. As shown in FIG. 5, the warning device 4a has a communication unit 31 and a display unit 32.

The communication unit 31 communicates with the wire fraud prevention device 1. The communication unit 31 receives warning information from the wire fraud prevention device 1.

When the warning information transmitted from the wire fraud prevention device 1 is received by the communication unit 31, the display unit 32 displays the information warning the wire fraud on the display device. The display device is, for example, an LED (Light Emitting Diode) panel that lights a predetermined mark, character, or the like, which urges the user to cancel the transfer transaction. Alternatively, the display device may be an LCD.

Although FIG. 5 shows a functional block configuration example of the warning device 4a, the warning devices 4b to 4d also have the same functional block configuration example as in FIG. Further, the warning devices 4a to 4d may have a voice unit that emits a voice warning of wire fraud.

FIG. 6 is a diagram showing a functional block configuration example of the wire fraud prevention device 1. As shown in FIG. 6, the wire fraud prevention device 1 includes a communication unit 41, a determination unit 42, a warning information generation unit 43, a call center processing unit 44, an ATM control unit 45, and a customer master DB (DB: Data). It has a Base) 46, a transaction history DB 47, and an ATMDB 48.

The communication unit 41 communicates with the radio wave detection device 2. The communication unit 41 receives the call user information transmitted from the radio wave detection device 2. Further, the communication unit 41 communicates with the warning devices 4a to 4d and the ATMs 5a to 5d. The communication unit 41 transmits the warning information generated by the warning information generation unit 43, which will be described later, to the warning devices 4a to 4d and the ATMs 5a to 5d. In addition, the communication unit 41 communicates with the call center 6.

When the communication unit 41 receives the call user information, the determination unit 42 identifies the ATMs 5a to 5d used by the user, and determines whether or not the transfer transaction is performed at the specified ATMs 5a to 5d. .. The method of specifying the ATMs 5a to 5d used by the user and determining whether or not the transfer transaction will be performed at the specified ATMs 5a to 5d will be described later.

The warning information generation unit 43 generates warning information when it is determined by the determination unit 42 that a transfer transaction is being performed. That is, the warning information generation unit 43 generates warning information when the user is operating the transfer transaction while talking on the ATMs 5a to 5d for a predetermined time.

Even if the warning device 4a to 4d prompts the user to warn of wire fraud, if the user continues the transfer transaction without stopping it, the ATMs 5a to 5d temporarily suspend the transfer transaction. When the ATMs 5a to 5d temporarily suspend the transfer transaction, the call center processing unit 44 notifies the call center 6 to that effect.

The ATM control unit 45 controls the transaction operation of the ATMs 5a to 5d. For example, when the call center 6 gives an instruction to resume the transaction, the ATM control unit 45 gives an instruction to resume the transfer transaction to the ATMs 5a to 5d that temporarily suspend the transfer transaction.

An example of data configuration of the customer master DB 46, the transaction history DB 47, and the ATMDB 48 will be described.

FIG. 7 is a diagram showing a data configuration example of the customer master DB 46. The customer master DB 46 stores information about users (customers) who use the ATMs 5a to 5d. As shown in FIG. 7, the customer master DB 46 contains a customer ID (identification) 46a for identifying the customer, a customer account number 46b, a customer name 46c, a customer gender 46d, and a customer age 46e. The customer's address 46f, the customer's telephone number 46g, and the damage information 46h indicating whether or not the customer has been damaged by the past transfer fraud are stored.

FIG. 8 is a diagram showing a data configuration example of the transaction history DB 47. The transaction history DB 47 stores history information of transactions performed at the ATMs 5a to 5d. As shown in FIG. 8, the transaction history DB 47 contains a transaction ID 47a for identifying a transaction, a transaction date and time 47b for which a transaction was made, a transaction category 47c for indicating a transaction category such as withdrawal or transfer, and a transaction amount. The transaction amount 47d, the account balance 47e fluctuated by the transaction, and the caution flag 47f set as necessary such as a large amount transfer are stored.

FIG. 9 is a diagram showing a data configuration example of ATMDB48. Information about ATMs 5a to 5d is stored in the ATMDB48. As shown in FIG. 9, the ATMDB48 has IP (Internet Protocol) information 48a assigned to the radio wave detection device 2 or the motion sensor 3a to 3d for identifying the ATMs 5a to 5d, and the installation location of the ATMs 5a to 5d. The installation location 48b for identifying (for example, the bank where the ATMs 5a to 5d are installed) and the ATM number 48c for distinguishing the ATMs 5a to 5d at the same installation location are stored.

The wire fraud prevention device 1 does not have to have the customer master DB 46, the transaction history DB 47, and the ATMDB 48. For example, the wire fraud prevention device 1 may access the system of a financial institution such as a bank having a customer master DB 46, a transaction history DB 47, and an ATMDB 48, and acquire information on these DBs.

10 and 11 are sequence diagrams showing an operation example of the wire fraud prevention system. In FIGS. 10 and 11, the processes are connected by the numbers 1 to 4 shown in the figure. It is assumed that the user operates the ATMs 5a to 5d and the motion sensors 3a to 3d detect the user operating the ATMs 5a to 5d. Then, it is assumed that the motion sensors 3a to 3d transmit the user detection signal to the radio wave detection device 2.

The communication unit 11 of the radio wave detection device 2 receives the user detection signal from the motion sensors 3a to 3d (step S1).

Next, the radio wave detection unit 12 detects the call radio waves emitted by the mobile terminal around the ATMs 5a to 5d (step S2).

Next, the control unit 13 determines whether or not the detection time of the call radio wave in step S2 has elapsed a predetermined time (step S3). When the detection time of the call radio wave does not elapse the predetermined time (“No” in S3), the control unit 13 ends the process.

On the other hand, when the detection time of the call radio wave elapses (“Yes” in S3), the control unit 13 transmits the call user information to the wire fraud prevention device 1 (step S4). That is, when the user operating the ATMs 5a to 5d is talking on the mobile terminal for a predetermined time, the control unit 13 transmits the call user information to the wire fraud prevention device 1.

The call user information includes information on ATMs 5a to 5d used by the user. For example, the call user information includes information related to ATMs 5a to 5d as shown in ATMDB48 of FIG. Thereby, the wire fraud prevention device 1 can identify the ATMs 5a to 5d used by the user who is talking on the mobile terminal for a predetermined time.

Next, when the determination unit 42 of the wire fraud prevention device 1 receives the call user information from the radio wave detection device 2, the determination unit 42 identifies the ATMs 5a to 5d used by the user (step S5).

Next, the determination unit 42 determines whether or not a transfer transaction is being performed at the specified ATMs 5a to 5d (step S6). For example, when the transfer transaction start button displayed on the display device included in the ATMs 5a to 5d is pressed, the determination unit 42 determines that the transfer transaction is being performed in the ATMs 5a to 5d.

The determination unit 42 can access the ATMs 5a to 5d operated by the user by using the information of the ATMs 5a to 5d specified in step S5. As a result, the determination unit 42 can acquire information on whether or not the transfer transaction start button is pressed from the ATMs 5a to 5d operated by the user, and whether or not the user is performing the transfer transaction. Can be determined.

When the determination unit 42 determines in step S6 that the transfer transaction has not been performed (“No” in step S6), the determination unit 42 ends the process. As a result, the ATMs 5a to 5d can execute transactions (transactions such as passbook entry and withdrawal other than transfer transactions) performed by the user.

On the other hand, when the determination unit 42 determines in step S6 that the transfer transaction is being performed (“Yes” in step S6), the warning information generation unit 43 generates warning information (step S7).

Then, the warning information generation unit 43 uses the warning information generated in step S7 to correspond to the ATMs 5a to 5d specified in step S5 and the warning devices 4a to 5d specified in step S5. It is transmitted to and from 4d (step S8). That is, the warning information generation unit 43 transmits warning information to the ATMs 5a to 5d and the warning devices 4a to 4d operated by a user who is likely to be involved in wire fraud.

The display units 32 of the warning devices 4a to 4d display a warning on the display device based on the warning information transmitted in step S8 (step S9).

Upon receiving the warning information transmitted in step S8, the input units 23 of the ATMs 5a to 5d determine whether or not the transfer transaction cancellation operation has been accepted from the user (step S10). When the input unit 23 of the ATMs 5a to 5d receives the operation of canceling the transfer transaction from the user (“Yes” in S10), the input unit 23 ends the transfer transaction.

On the other hand, when the input unit 23 of the ATMs 5a to 5d does not accept the transfer transaction cancellation operation from the user (“No” in S10), the transfer transaction is temporarily suspended (step S11). Then, the input unit 23 transmits to the wire fraud prevention device 1 that the transfer transaction has been temporarily suspended (step S12).

When the call center processing unit 44 of the wire fraud prevention device 1 receives the information to the effect that the temporary hold is transmitted in step S12, the call center processing unit 44 acquires the information of the user operating the ATMs 5a to 5d specified in step S5. (Step S13). For example, the call center processing unit 44 refers to the customer master DB 46 shown in FIG. 7 to acquire user information. More specifically, the call center processing unit 44 acquires information such as the user's name 46c, age 46e, and damage information 46h from the account number 46b input when the user makes a transfer transaction.

Next, the call center processing unit 44 notifies the call center 6 that there is a user who is likely to be the victim of wire fraud (step S14). At that time, the call center processing unit 44 transmits the information of the ATMs 5a to 5d specified in step S5 and the user information acquired in step S13 to the call center 6.

When the call center 6 receives the report transmitted in step S14, the call center 6 calls the intercom provided in the ATMs 5a to 5d (step S15).

The report transmitted in step S14 includes information on the ATMs 5a to 5d used by the user (ATMs 5a to 5d specified in step S5). As a result, the call center 6 can call the intercoms of the ATMs 5a to 5d operated by the user who is likely to be involved in wire fraud. Further, the report transmitted in step S14 includes user information. As a result, the call center 6 can ask, for example, a user who answers by picking up the intercom by name. In addition, the call center 6 can give various advices and warnings to the user based on the damage information of the user.

Next, the control unit 25 of the ATMs 5a to 5d determines whether or not the user has picked up the intercom (response) (step S16). When the user does not respond with the intercom (“No” in S16), the control unit 25 returns the cash card to the user (step S17).

On the other hand, when the user answers with the intercom (“Yes” in S16), the call center 6 starts a call with the intercoms of ATMs 5a to 5d (step S18). As a result, the call center 6 can confirm the transaction contents, give warnings, give advice, and the like to the user.

The call center 6 receives from the operator whether or not the transfer transaction of the user is a normal transaction (step S19).

When the call center 6 receives from the operator that the transfer transaction of the user is not a normal transaction (“No” in S19), the call center 6 shifts the process to step S17. As a result, the ATMs 5a to 5d return the user's cash card (step S17).

On the other hand, when the call center 6 receives from the operator that the transfer transaction of the user is a normal transaction (“Yes” in S19), the call center 6 instructs the transfer fraud prevention device 1 to restart the transfer transaction (step S20). ).

The ATM control unit 45 of the wire fraud prevention device 1 receives the instruction to resume the transfer transaction in step S20, and instructs the ATMs 5a to 5d to resume the transfer transaction (step S21).

The control unit 25 of the ATMs 5a to 5d resumes the transfer transaction in response to the instruction to resume the transfer transaction in step S21 (step S22). Further, the ATM control unit 45 of the wire fraud prevention device 1 updates the transaction history DB 47 (step S23).

As described above, in the radio wave detection device 2, the users of the ATMs 5a to 5d are detected by the motion sensors 3a to 3d provided corresponding to the plurality of ATMs 5a to 5d, and the mobile terminals around the plurality of ATMs 5a to 5d. When the predetermined time has passed, the call user information is transmitted to the wire fraud prevention device 1. The communication unit 41 of the wire fraud prevention device 1 receives the call user information from the radio wave detection device 2, and the determination unit 42 is used by the user when the call user information is received by the communication unit 41. The existing ATMs 5a to 5d are specified, and it is determined whether or not a transfer transaction is being performed at the specified ATMs 5a to 5d. Then, the warning information generation unit 43 of the wire fraud prevention device 1 generates warning information when the determination unit 42 determines that the transfer transaction is being performed. As a result, the wire fraud prevention device 1 can more appropriately warn the user who is likely to be involved in wire fraud.

Further, in the call center processing unit 44, when the ATMs 5a to 5d suspend the transfer transaction because the user did not cancel the transfer transaction after the warning information generation unit 43 generated the warning information (for example, S10 in FIG. 10). (Refer to S11), notify the call center 6. As a result, the wire fraud prevention device 1 can more appropriately warn the user who is likely to be involved in wire fraud.

Further, when the call center 6 gives an instruction to resume the transfer transaction, the call center processing unit 44 issues an instruction to resume the transfer transaction to the ATMs 5a to 5d that have suspended the transfer transaction. As a result, the wire fraud prevention device 1 can restart the wire transfer transaction for the user who was not involved in the wire fraud.

In the above, the wire fraud prevention device 1 generates warning information when the transfer transaction is performed, but the warning information may also be generated when the withdrawal transaction is performed. For example, the user may pass the withdrawn money to a fraudulent group.

[Second Embodiment]
Even in an ATM corner where a plurality of ATMs are installed, the number of intercom communication lines may be less than the number of ATMs for the sake of efficiency. In this case, if there is a possibility of wire fraud that exceeds the number of communication lines of the intercom at a plurality of ATMs, the call center cannot make a call to the intercom of the ATM. Therefore, in the second embodiment, when there is a possibility of wire fraud that exceeds the number of communication lines of the intercom at a plurality of ATMs, the priority of calling the intercom is determined.

FIG. 12 is a flowchart illustrating an operation example of the wire fraud prevention device 1 according to the second embodiment. The processing of the flowchart shown in FIG. 12 is a detail of the notification processing to the call center 6 in step S14 shown in FIG.

In the following, the latest transmission of the call user information transmitted from the radio wave detection device 2 (transmitted in S4 of FIG. 10) is referred to as the second report, and the transmission of the call user information before that is referred to as the first report. Called. Further, in the following, it is assumed that there is a second report in the first report.

First, the call center processing unit 44 of the wire fraud prevention device 1 determines whether or not the installation location of the ATMs 5a to 5d in the second report is the same as the installation location of the ATMs 5a to 5d in the first report (step S31). .. When the call center processing unit 44 determines that the installation locations of the ATMs 5a to 5d in the second report and the installation locations of the ATMs 5a to 5d in the first report are not the same (“No” in S31), the process proceeds to step S36. However, the call center 6 is notified that there is a user who is likely to be the victim of wire fraud.

On the other hand, when the call center processing unit 44 determines that the installation location of the ATMs 5a to 5d in the second report is the same as the installation location of the ATMs 5a to 5d in the first report (“Yes” in S31), the second report It is determined whether or not the call lines of the intercoms of the ATMs 5a to 5d at the installation location in the above are exceeded (whether all the call lines are busy) (step S32).

When the call center processing unit 44 determines that the call line of the intercoms of the ATMs 5a to 5d at the installation location in the second report is not exceeded (“No” in S32), the process proceeds to step S36 and is damaged by wire fraud. Notify the call center 6 that there is a user who is likely to meet the above.

On the other hand, when the call center processing unit 44 determines that the call line of the intercoms of the ATMs 5a to 5d at the installation location in the second report is exceeded (“Yes” in S32), the user in the second report is an elderly person. It is determined whether or not there is (step S33). For example, when the call center processing unit 44 determines that the age of the user in the second report is older than a predetermined age, it determines that the user is an elderly person. The age of the user is acquired in step S13 of FIG.

When the call center processing unit 44 determines in step S33 that the user in the second report is an elderly person (“Yes” in S33), the call center processing unit 44 generates priority correspondence information (step S34). For example, the call center processing unit 44 generates information to the effect that the user in the second report should be called with priority. The call center processing unit 44 makes a report including the generated priority correspondence information when making a call center report in step S36. As a result, the call center 6 can give priority to the elderly user of the second report to warn of wire fraud.

On the other hand, when the call center processing unit 44 determines in step S33 that the user in the second report is not an elderly person (“No” in S33), the user in the second report has been victimized by wire fraud in the past. Whether or not it is determined (step S35). The past damage history of the user is acquired in step S13 of FIG.

When the call center processing unit 44 determines in step S35 that the user in the second report has been the victim of wire fraud in the past (“Yes” in S35), the call center processing unit 44 generates priority response information (step S34). .. Then, the call center processing unit 44 shifts the processing to step S36, and notifies the call center 6 including the generated priority correspondence information. As a result, the call center 6 can give priority to the user who has been victimized by the wire fraud in the second report to warn of the wire fraud.

On the other hand, when the call center processing unit 44 determines in step S35 that the user in the second report has not been the victim of wire fraud in the past (“No” in S35), the call center processing unit 44 does not generate priority response information. Report to the call center 6 (step S36). As a result, the call center 6 does not give priority to the second report user who is not an elderly person and has never been involved in wire fraud in the past, and after the call with the first report user is completed, the first call center 6 is used. Make a call with the user of the 2nd report.

As described above, when the call center processing unit 44 receives a plurality of call user information, it determines whether or not the call lines of the intercoms provided in the plurality of ATMs 5a to 5d are exceeded. Then, when the call line of the intercom is exceeded, the call center processing unit 44 of the first report is based on the user information of the user in the first report and the user information of the user in the second report. Determine the reception priority of the user and the user of the second report. As a result, the call center 6 can give priority to warning the elderly and users who have been involved in wire fraud in the past, even when the intercom call line is exceeded. ..

The call center processing unit 44 may generate priority response information depending on the size of the transfer amount and whether or not the staff of the financial institution is absent at the installation location of the ATMs 5a to 5d.

[Third Embodiment]
In the third embodiment, when the user does not answer the intercom or the communication line of the intercom is exceeded, a journal is output from the ATMs 5a to 5d in order to call attention to wire fraud.

FIG. 13 is a sequence diagram showing an operation example of the wire fraud prevention system according to the third embodiment. The sequence according to the third embodiment is the same up to step S13 of the sequence of FIGS. 10 and 11 of the first embodiment, and steps S14 and subsequent steps are different. Hereinafter, a part different from the sequence according to the first embodiment will be described.

The call center processing unit 44 of the wire fraud prevention device 1 determines whether or not the installation location of the ATMs 5a to 5d in the second report is the same as the installation location of the ATMs 5a to 5d in the first report (step S41). When the call center processing unit 44 determines that the installation locations of ATMs 5a to 5d in the second report and the installation locations of ATMs 5a to 5d in the first report are not the same (“No” in S41), the call center processing unit 44 is the victim of wire fraud. Notify the call center 6 that there is a user who is likely to be present (step S42).

On the other hand, when the call center processing unit 44 determines that the installation location of the ATMs 5a to 5d in the second report is the same as the installation location of the ATMs 5a to 5d in the first report (“Yes” in S41), the second report It is determined whether or not the call line of the intercoms of the ATMs 5a to 5d at the installation location in the above is exceeded (step S43). If the call center processing unit 44 determines that the call line of the intercoms of the ATMs 5a to 5d at the installation location in the second report is not exceeded (“No” in S43), it is highly possible that the call center processing unit 44 is the victim of wire fraud. Notify the call center 6 that there is a user (step S44). On the other hand, when the call center processing unit 44 determines that the call line of the intercoms of the ATMs 5a to 5d at the installation location in the second report is exceeded (“Yes” in S43), the ATM control unit 45 generates a password. (Step S50). Then, the ATM control unit 45 transmits the generated password to the ATMs 5a to 5d.

When the call center 6 receives the notification transmitted in steps S42 and S44, the call center 6 calls the intercom provided in the ATMs 5a to 5d (step S45).

The control unit 25 of the ATMs 5a to 5d determines whether or not the user has picked up the intercom (response) (step S46). When the control unit 25 determines that the user did not respond with the intercom (“No” in S46), the ATM control unit 45 of the wire fraud prevention device 1 generates a password (step S50). Then, the ATM control unit 45 transmits the generated password to the ATMs 5a to 5d.

On the other hand, when the user answers with the intercom (“Yes” in S46), the call center 6 starts a call with the intercoms of ATMs 5a to 5d (step S47). As a result, the call center 6 can confirm the transaction details with the user.

The call center 6 receives from the operator whether or not the transfer transaction of the user is a normal transaction (step S48).

When the call center 6 receives from the operator that the transfer transaction of the user is a normal transaction (“Yes” in S48), the call center 6 instructs the transfer fraud prevention device 1 to restart the transfer transaction (step S49).

On the other hand, when the call center 6 receives from the operator that the user's transfer transaction is not a normal transaction (“No” in S48), the ATM control unit 45 of the transfer fraud prevention device 1 generates a password (step). S50). Then, the ATM control unit 45 transmits the generated password to the ATMs 5a to 5d.

When the control unit 25 of the ATMs 5a to 5d receives the PIN generated in step S50, for example, a caution statement for wire fraud, the received PIN, and the PIN must be input to the ATMs 5a to 5d. Issue a journal with a sentence indicating that the transaction will not be resumed (step S51). Then, the control unit 25 receives the password from the user and transmits the received password to the wire fraud prevention device 1 (step S52).

When the ATM control unit 45 of the wire fraud prevention device 1 receives the PIN code transmitted in step S52, it determines whether or not the received PIN code matches the PIN code generated in step S50 ( Step S53). When the ATM control unit 45 determines that the password transmitted in step S52 and the password generated in step S50 do not match (“No” in S53), the control units 25 of the ATMs 5a to 5d may use the control unit 25. The user's cash card is returned (step S54). In addition, even if the control unit 25 of the ATMs 5a to 5d does not input the personal identification number even after the predetermined time has passed after issuing the journal in which the personal identification number is described in step S51, the user's personal identification number The cash card may be returned (step S54).

On the other hand, when the ATM control unit 45 determines that the PIN code transmitted in step S52 and the PIN code generated in step S50 match (“Yes” in S53), the ATM control unit 45 makes a transfer transaction to the ATMs 5a to 5d. Is instructed to resume (step S55). The ATM control unit 45 also gives an instruction to resume the transfer transaction to the ATMs 5a to 5d even when the transaction resumption instruction is received in step S49 (step S55).

The control unit 25 of the ATMs 5a to 5d resumes the transfer transaction in response to the instruction to resume the transfer transaction in step S55 (step S56). Further, the ATM control unit 45 of the wire fraud prevention device 1 updates the transaction history DB 47 (step S57).

As described above, the ATM control unit 45 of the wire fraud prevention device 1 controls so that the journal including the personal identification number is output from the ATMs 5a to 5d that hold the transfer transaction. As a result, the wire fraud prevention device 1 can further suppress wire fraud.

In addition, the ATM control unit 45 of the wire fraud prevention device 1 resumes the reserved transfer transaction when the password included in the journal and the password entered by the user in the ATMs 5a to 5d match. As a result, the wire fraud prevention device 1 can more appropriately warn the user who is likely to be involved in wire fraud.

In addition, even if the user does not answer the intercom because of a mobile phone call, the warning devices 4a to 4d and the journal can call attention to wire fraud.

Hereinafter, a hardware configuration example of the wire fraud prevention device 1 according to each embodiment will be described.

FIG. 14 is a diagram showing a hardware configuration example of the wire fraud prevention device 1. The transfer fraud prevention device 1 includes, for example, a computing device 101 such as a CPU (Central Processing Unit), a main storage device 102 such as a RAM (Random Access Memory), an HDD (Hard Disk Drive), or the like, as shown in FIG. Auxiliary storage device 103, communication interface (I / F) 104 for connecting to a communication network by wire or wirelessly, input device 105 such as mouse, keyboard, touch sensor and touch panel, and display device 106 such as liquid crystal display. This can be realized by a computer including a read / write device 107 that reads / writes information to / from a portable storage medium such as a DVD (Digital Versatile Disk).

The functions of each part of the wire fraud prevention device 1 are realized, for example, by the arithmetic unit 101 executing a predetermined program loaded from the auxiliary storage device 103 or the like into the main storage device 102. Further, each storage unit of the wire fraud prevention device 1 is realized by, for example, the arithmetic unit 101 using the main storage device 102 or the auxiliary storage device 103.

The predetermined program may be installed from a storage medium read by the read / write device 107, or may be installed from the network via the communication I / F 104, for example.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the above embodiments. Moreover, each embodiment can be combined.

It is also clear from the description of the claims that the form with such modifications or improvements may be included in the technical scope of the present invention.

Further, the functional configurations of the wire fraud prevention device 1 described above are classified according to the main processing contents in order to make the configuration easy to understand. The invention of the present application is not limited by the method and name of classification of the components. The configuration of the wire fraud prevention device 1 can be further classified into more components according to the processing content. It can also be categorized so that one component performs more processing. Further, the processing of each component may be executed by one hardware or may be executed by a plurality of hardware.

Further, each processing unit of the sequence and the flowchart described above is divided according to the main processing contents in order to make the processing of the wire fraud prevention device 1 easy to understand. The present invention is not limited by the method of dividing the processing unit and the name. The processing of the wire fraud prevention device 1 can be divided into more processing units according to the processing content. Further, one processing unit can be divided so as to include more processing. The present invention can also be provided as a program that realizes the function of the wire fraud prevention device 1 and as a storage medium that stores the program.

1 ... Wire fraud prevention device, 2 ... Radio wave detection device, 3a to 3d ... Human sensor, 4a to 4d ... Warning device, 5a to 5d ... ATM, 6 ... Call center, 7 ... Network, 11 ... Communication unit, 12 ... Radio wave Detection unit, 13 ... Control unit, 21 ... Communication unit, 22 ... Display unit, 23 ... Input unit, 24 ... Printing unit, 25 ... Control unit, 31 ... Communication unit, 32 ... Display unit, 41 ... Communication unit, 42 ... Judgment unit, 43 ... Warning information generation unit, 44 ... Call center processing unit, 45 ... ATM control unit, 46 ... Customer master DB, 47 ... Transaction history DB, 48 ... ATMDB.

Claims (11)

The user of the automatic teller machine is detected by the motion sensor provided corresponding to the plurality of automated teller machines, and the predetermined information is transmitted when the talk time of the mobile terminal around the plurality of automated teller machines has passed a predetermined time. A receiving unit that receives the predetermined information from the detection device
When the predetermined information is received by the receiving unit, the automatic teller machine used by the user is specified, and a determination unit for determining whether or not a transfer transaction is being performed in the specified automatic teller machine.
When it is determined by the determination unit that a transfer transaction is being performed, a generation unit that generates warning information and a generation unit
A wire fraud prevention device characterized by having. The wire fraud prevention device according to claim 1.
A warning device is provided correspondingly to multiple automated teller machines.
A transmission unit that transmits warning information generated by the generation unit to a warning device provided corresponding to the automated teller machine specified by the determination unit.
A wire fraud prevention device characterized by having more. The wire fraud prevention device according to claim 1 or 2.
After the generation unit generates the warning information, if the automatic teller machine suspends the transfer transaction because the user did not cancel the transfer transaction, the notification processing unit that notifies the call center.
A wire fraud prevention device characterized by having more. The wire fraud prevention device according to claim 3.
When the call center gives an instruction to resume the transaction, the transaction processing department gives an instruction to resume the transfer transaction to the automated teller machine that has suspended the transfer transaction.
A wire fraud prevention device characterized by having more. The wire fraud prevention device according to claim 3.
An output processing unit that controls the output of a journal containing a PIN from an automated teller machine that holds a transfer transaction.
A wire fraud prevention device characterized by having more. The wire fraud prevention device according to claim 5.
If the PIN code included in the journal matches the PIN code entered by the user in the automated teller machine, the transaction processing unit resumes the held transfer transaction.
A wire fraud prevention device characterized by having more. The wire fraud prevention device according to any one of claims 1 to 6.
When the second predetermined information is received after the first predetermined information is received by the receiving unit, the line processing for determining whether or not the communication lines of the intercoms provided in the plurality of automatic teller machines are exceeded. Department,
A wire fraud prevention device characterized by having more. The wire fraud prevention device according to claim 7.
When the line processing unit determines that the communication line of the intercom is exceeded, the first predetermined information is based on the user information in the first predetermined information and the user information in the second predetermined information. Priority determination unit for determining the reception priority of the predetermined information and the second predetermined information,
A wire fraud prevention device characterized by having more. The wire fraud prevention device according to any one of claims 1 to 8.
The generation unit generates warning information when it is determined by the determination unit that a withdrawal transaction is being performed.
A wire fraud prevention device that features this. On the computer
The user of the automatic teller machine is detected by the motion sensor provided corresponding to the plurality of automated teller machines, and the predetermined information is transmitted when the talk time of the mobile terminal around the plurality of automated teller machines has passed a predetermined time. A reception step for receiving the predetermined information from the detection device
When the predetermined information is received by the reception step, a determination step of identifying the automatic teller machine used by the user and determining whether or not a transfer transaction is being performed in the specified automated teller machine, and
When it is determined that the transfer transaction is being performed by the determination step, the generation step for generating warning information and the generation step
A wire fraud prevention method characterized by executing. On the computer
The user of the automatic teller machine is detected by the motion sensor provided corresponding to the plurality of automated teller machines, and the predetermined information is transmitted when the talk time of the mobile terminal around the plurality of automated teller machines has passed a predetermined time. A reception step for receiving the predetermined information from the detection device
When the predetermined information is received by the reception step, a determination step of identifying the automatic teller machine used by the user and determining whether or not a transfer transaction is being performed in the specified automated teller machine, and
When it is determined that the transfer transaction is being performed by the determination step, the generation step for generating warning information and the generation step
A program characterized by executing.

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