JP4281323B2 - Automatic transaction apparatus and program thereof - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic transaction apparatus such as an automatic teller machine or an unmanned contract machine provided with a camera for photographing a customer, and a program thereof.
[0002]
[Prior art]
In a conventional automatic transaction device, a camera for photographing a customer is installed in front of the automatic transaction device so that the upper body of the customer can be photographed, and when the customer inserts a transaction card into the card slot or when depositing / withdrawing banknotes When cash is received from the mouth, etc., the customer is photographed with a camera and the image is stored as a transaction history. Later, a customer reports a fraudulent use of a transaction card by a third party or a transaction with a fraud card such as a counterfeit card. Used as evidence when dealing with fraudulent transactions.
[0003]
[Problems to be solved by the invention]
However, in the conventional technology described above, since the camera for photographing the customer is installed at a position where the customer of the automatic transaction apparatus can reach, the customer covers the camera with a hand or the like and inserts a transaction card or receives cash. If this is done, there is a problem that the customer's image does not have a function as evidence at the time of fraudulent transactions.
[0004]
Therefore, an object of the present invention is to provide an automatic transaction apparatus that always captures a customer's image correctly as evidence of fraudulent transactions.
[0005]
[Means for Solving the Problems]
In order to solve the above problems, the present invention has previously set a color rank in which colors are divided into predetermined ranks in an automatic transaction apparatus that captures a customer's face image with a camera during a transaction with a customer, wherein based on color rank, to determine the color rank of the customer's face image to extract the area of color rank of the same color, the extracted same color regions is, when the predetermined or more wide, The transaction is stopped when it is detected that the field of view of the camera is blocked.
In addition, a customer image photographing step for photographing a customer's face image at a predetermined time interval in a control unit of an automatic transaction apparatus for photographing a customer's face image by a camera at the time of a transaction with a customer, and a preset color are predetermined. Based on the color ranks divided into ranks, the color rank extraction step of determining the color rank of the customer's face image and extracting the color rank area of the same color; Image legitimacy evaluation step for evaluating sex, and transaction stop step for detecting that the field of view of the camera is blocked and canceling the transaction when the evaluation result is equal to or larger than a predetermined size. It is characterized by.
[0006]
First Embodiment FIG. 1 is a flowchart showing customer photographing processing according to an embodiment of the present invention, FIG. 2 is a perspective view showing an automatic teller machine according to an embodiment of the present invention, and FIG. 3 shows the automatic teller machine. FIG.
[0007]
2 and 3, reference numeral 1 denotes an automatic cash transaction apparatus as an automatic transaction apparatus, which is installed in a store such as a branch of a financial institution.
2 is a control part of the automatic teller machine 1, and controls each part in the automatic teller machine 1 and controls transaction processing with the customer.
Reference numeral 3 denotes a storage unit such as a hard disk device, which stores a program executed by the control unit 2, a processing result by the control unit 2, an image of a customer photographed, and the like.
[0008]
Reference numeral 4 denotes a customer operation unit, which is composed of a combination of a display screen such as a CRT or LCD and a touch panel, etc., and displays a transaction selection screen, a screen for inquiring about customer's wishes, a screen for prompting customer's treatment, etc. On the other hand, an input from a customer is received by a touch panel or the like.
Reference numeral 5 denotes a card insertion unit, which has a printer that reads and writes card information recorded on the magnetic stripe of a transaction card such as a customer's cash card inserted from the card insertion slot 5a and prints a transaction statement. Yes.
[0009]
A passbook entry unit 6 reads and writes the contents recorded in the magnetic stripe of the customer's passbook inserted from the passbook insertion slot 6a, and records the transaction contents and the like in the customer's passbook.
Reference numeral 7 denotes a banknote deposit / withdrawal unit, which accepts a banknote inserted by a customer through the banknote deposit / withdrawal port 7a, discriminates, counts and stores it, and discharges the banknote to be paid to the customer from the banknote deposit / withdrawal port 7a.
[0010]
Reference numeral 8 denotes a coin deposit / withdrawal unit which accepts coins inserted by a customer through a coin deposit / withdrawal port 8a, discriminates, counts and stores them, and discharges coins to be paid out to the customer from the coin deposit / withdrawal port 8a.
Reference numeral 9 denotes a camera unit, which has a camera 10 installed at a substantially central portion of the card insertion slot 5a and the passbook insertion slot 6a of the automatic teller machine 1 and shoots an image above or above the chest of the customer. .
[0011]
The position where the camera 10 is installed may be anywhere as long as the customer can be reliably photographed. For example, the camera 10 may be located next to the card insertion slot 5a, or above the banknote deposit / withdrawal slot 7a or the coin deposit / withdrawal slot 8a. It may be.
Further, the camera 10 and the camera unit 9 may be connected by a LAN (Local Area Network) or the like and installed near the automatic teller machine 1.
[0012]
Furthermore, the image of the customer is not limited to the image above or above the chest, and any image that can identify the customer's face for identity verification, for example, only the face may be used. It may be a whole body image or the like.
The operation of the above configuration will be described.
Below, the customer imaging | photography process which image | photographs a customer according to the step shown by S is demonstrated using the flowchart shown in FIG.
[0013]
In the storage unit 3 of the present embodiment, a transaction history storage area for storing a transaction history with a customer and a sequential image storage area for sequentially storing images transferred from the camera unit 9 are secured.
In addition, a color rank obtained by dividing the color into a predetermined rank according to the difference in color and brightness is set and stored.
[0014]
S1, the customer starts a transaction by pressing a transaction button from the transaction selection screen of the customer operation unit 4 of the automatic teller machine 1.
In the present embodiment, a case where a customer selects a withdrawal transaction will be described as an example.
S2, the control part 2 which detected this signal starts the customer photographing process in parallel with this while the control part 2 of the automatic teller machine 1 executes the withdrawal transaction process.
[0015]
That is, the control unit 2 periodically transmits a shooting command to the camera unit 9 at a predetermined time interval set in advance, and the camera unit 9 captures the customer's image by the camera 10 and uses this image as the control unit. Forward to 2.
S <b> 3, the control unit 2 stores the transferred customer images in the sequential image storage area of the storage unit 3.
[0016]
S4, the control unit 2 storing the customer's image confirms the validity of the customer's image as personal identification data.
That is, the control unit 2 determines a customer image in units of pixels based on a preset color rank, and extracts the area by pixels determined to have the same color.
At this time, if the area determined to be the same color is equal to or larger than a predetermined size, the validity is recognized as “invalid” and it is detected that the field of view of the camera is blocked by a hand or the like.
[0017]
If the area determined to be the same color is narrower than a predetermined area, the legitimacy is recognized as “valid”.
In order to ensure the identity of the customer, legitimacy is when the area of the color rank of the same color is extracted with particular attention to the face, and the area is larger than the predetermined area. You may make it recognize as "unfair".
[0018]
In addition, the validity may be recognized as “unfair” by the size of the area of the color rank in which the overall brightness of the customer image is a certain value or less, and a specific color of the color rank, for example, the rank of black You may make it recognize as "unfair" by the area of the color area | region corresponded to.
Furthermore, the color rank classification is sufficient if it is a classification necessary for performing the above determination, and if it is not necessary to use a subdivided classification, it may be set by a coarse classification.
[0019]
S5, the control unit 2 proceeds to step S9 when the legitimacy is recognized as “invalid”, and proceeds to step S6 when the legitimacy is recognized as “valid”.
S6, the control unit 2 determines whether or not the transaction process being executed on the other side has ended, and ends the customer photographing process if the transaction process has ended.
When transaction processing is continuing, it transfers to step S7.
[0020]
S7, the control unit 2 uses the transaction process executed on the other side to store a customer image in a predetermined transaction history (hereinafter referred to as a history image storage period), for example, in the withdrawal process of the present embodiment, the customer Determines when the transaction card is inserted into the card insertion slot 5a, or when cash is received from the banknote deposit / withdrawal slot 7a or the coin deposit / withdrawal slot 8a. If it does not coincide with the storage time, the process returns to step S2 to continue taking a regular customer image by the camera unit 9.
[0021]
S8, the control unit 2 stores the customer image as the transaction history in the transaction history storage area of the storage unit 3 together with the card information of the transaction card, the shooting time, and the like.
Then, it returns to step S2 and the regular customer image taking by the camera unit 9 is continued.
S9, recognizing that the customer's image is “unfair” and detecting that the field of view of the camera is blocked by a hand or the like, the control unit 2 stops the transaction processing being executed on the other side.
[0022]
That is, the control unit 2 displays a screen prompting receipt of the transaction card or passbook, and ejects them from the card insertion slot 5a of the card insertion unit 5 or the passbook insertion slot 6a of the passbook entry unit 6, and the customer receives them. After confirming that, the transaction processing is terminated.
In this case, the control unit 2 may report the above abnormality to a monitoring terminal, a security headquarters, or the like that is monitoring the automatic teller machine 1, and sequentially detects the above abnormality in the image storage area. The stored customer image may be read out and stored in the transaction history together with the card information of the transaction card, the shooting time, and the like.
[0023]
It should be noted that the customer images that are periodically taken and stored in the sequential image storage area of the storage unit 3 in step S3 may be erased and stored when the transaction process is normally completed. The customer images may be erased from the oldest and stored sequentially.
Further, the transaction process for executing the customer photographing process in parallel is not limited to the withdrawal transaction, and may be another transaction process such as a transfer transaction or a deposit transaction.
[0024]
As described above, in the present embodiment, the position at which the camera can be reached by the customer is detected by detecting that the field of view of the camera is blocked from the image taken of the customer and ending the transaction process. Even if it is installed in the camera, it is always possible to correctly capture the customer's image and prevent unauthorized transactions.
In addition, by detecting that the field of view of the camera is blocked by the area of the same color area of the image taken of the customer, it is possible to automatically detect fraudulent transactions performed by the automatic transaction apparatus. It becomes possible.
[0025]
By regularly taking customer images at regular time intervals, it is possible to store customer images before the field of view is blocked, and to easily identify customers who have made illegal transactions. it can.
In the above embodiment, an example of an automatic transaction apparatus has been described as an automatic cash transaction apparatus. However, an automatic transaction apparatus to which the present invention is applied is not limited to the above example, and an unmanned contract machine, an automatic ticket vending machine, an automatic sale The present invention can be applied to any automatic transaction apparatus as long as it is an automatic transaction apparatus that performs transactions such as purchase of cash and goods with customers such as machines.
[0026]
In this case, if the present invention is applied to an automatic ticket vending machine or a vending machine, it is possible to prevent unauthorized transactions such as forged coins and other illegal coins.
[0027]
【The invention's effect】
As described above, the present invention detects the fact that the camera's field of view has been blocked from the image taken of the customer and ends the transaction process, so that the camera is installed at a position where the customer's hand can reach. In this case, it is possible to always capture the customer's image correctly and prevent illegal transactions.
[Brief description of the drawings]
FIG. 1 is a flowchart showing customer photographing processing according to an embodiment of the present invention. FIG. 2 is a perspective view showing an automatic teller machine according to an embodiment of the invention. FIG. 3 is an automatic cash transaction according to an embodiment of the invention. Block diagram showing the equipment 【Explanation of symbols】
DESCRIPTION OF SYMBOLS 1 Cash automatic transaction apparatus 2 Control part 3 Memory | storage part 4 Customer operation part 5 Card insertion part 5a Card insertion slot 6 Passbook entry part 6a Passbook insertion slot 7 Banknote deposit / withdrawal part 7a Banknote deposit / withdrawal part 8 Coin deposit / withdrawal part 8a Coin deposit / withdrawal Mouth 9 Camera unit 10 Camera

Claims (5)

In an automatic transaction device that captures a customer's face image with a camera during a transaction with a customer,
A color rank that divides colors into predetermined ranks is set in advance,
Based on the color rank, determine the color rank of the customer's face image and extract the color rank region of the same color;
Automatic teller machine the extracted same color regions is, when the predetermined or more size, characterized in that to cancel the transaction detects that the field of view of the camera is blocked. In claim 1,
An automatic transaction apparatus, wherein the determination of the color rank is made based on the brightness of the color rank. In claim 1 or claim 2,
An automatic transaction apparatus, wherein the determination of the color rank is performed in units of pixels. In any one of Claims 1 to 3,
The automatic transaction apparatus, wherein the camera captures the customer's face image at regular time intervals. When dealing with a customer, in the control unit of the automatic transaction device that captures the customer's face image with the camera,
A customer image capturing step of capturing a customer's face image at regular time intervals;
The same color region extraction step for determining the color rank of the customer's face image and extracting the region of the same color color rank based on the color rank obtained by dividing the preset color into predetermined ranks;
An image validity evaluation step for evaluating the validity according to the width of the region of the same color;
A program for an automatic transaction apparatus that, when the evaluation result is equal to or larger than a predetermined size, executes a transaction cancellation step of detecting that the visual field of the camera is blocked and canceling the transaction.

Images