JP5008416B2 - Monitoring system - Google Patents

Description

  The present invention relates to a monitoring system in cash accounting at a financial institution.

Conventionally, in financial transactions such as deposits, withdrawals, and transfers at financial institutions such as banks and credit unions, for the convenience of customers, for example, customers who have a business relationship regularly over a long period of time by telephone. When a financial transaction is requested, a staff member of a financial institution may perform the financial transaction.
Such financial transactions are usually processed within financial institutions as unusual transactions. That is, at a later date, a predetermined procedure will be performed afterwards and treated as a normal transaction.
However, since the exceptional transaction is inherently risky, the transaction performed by operating the counter terminal in each branch office of the financial institution and the operation history of the counter terminal are stored in the management server at the headquarters of the financial institution. Can be centrally monitored. Therefore, an office risk monitoring system that can avoid the occurrence of risks in transactions of financial institutions by monitoring the business content of each sales office at the headquarters has been considered (for example, see Patent Document 1).

On the other hand, video information that monitors the operating status of plant equipment and video information that indicates the operating status of the plant operation / monitoring device are recorded in association with the operating status and operating status of the process control device, so that various monitoring control information Has been proposed (see, for example, Patent Literature 2).
According to this technique, when an abnormality occurs in the plant, this is displayed as an alarm to notify the operator, and the operator can perform appropriate instructions and processing for the abnormality.
JP 2006-251957 A JP-A-8-63133

However, according to the above technique, although the management server notifies the headquarters terminal and the officer's terminal when an abnormality is found, the degree of risk is not taken into consideration and the accuracy is lacking. Even if the risk can be avoided on the financial institution side, it was not taken into consideration by the staff, that is, it was difficult to prove innocence even if it was accused. The financial institution also had a mental burden that required careful attention to ensure that staff members were strictly identified and that they were not falsely accused.
SUMMARY OF THE INVENTION An object of the present invention is to provide a monitoring system that solves the above-mentioned conventional problems and can carry out cash accounting at a branch office more strictly, more accurately, and more transparently.

  Therefore, in the monitoring system of the present invention, a teller terminal for operating a financial transaction at a branch of a financial institution, a database device for acquiring and registering a history of financial transaction or operation from the teller terminal, A management server that accesses the database device and analyzes statistical information of the financial transaction or operation history; and a management terminal that monitors office risks in the sales office, and the management server includes the statistical information When an abnormality is found based on the result of analyzing the above, it is identified according to the business risk associated with the abnormality and notified to the management terminal.

  Registered biometric information registered in advance for each teller is stored in the database device, and the management server receives the biometric information acquired at the time of the transaction operation and registration in the database device in response to an instruction from the management terminal. A teller name having a high match rate in the biometric information is specified, and the match rate and the teller name are returned to the management terminal.

  According to the present invention, when an abnormality is found based on the result of analyzing the statistical information, it is identified according to the office risk associated with the abnormality and notified to the management terminal. For example, three types of alert information, normal, caution, and emergency are used properly. Furthermore, since the teller who operates the terminal of the financial transaction is authenticated by the biometric information, cash accounting at the branch can be performed more strictly, more accurately, and more transparently.

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

FIG. 1 is a conceptual diagram showing a configuration of a monitoring system in an embodiment of the present invention. In the figure, reference numeral 10 denotes a monitoring system, which is a monitoring system for monitoring the possibility of office risks in financial institutions such as banks and credit unions, that is, for monitoring.
The business risk occurs in association with the paperwork at the financial institution, that is, the operation, and gives a tangible and intangible loss to the financial institution. Administrative risks include negligence such as simple mistakes during operation, fraud by personnel of financial institutions, illegal or intentional deviations such as violations of discipline, fraud that induces administrative errors, criminal acts such as robbery, etc. is there.

  Reference numeral 1 denotes a branch office system, which is connected to a department that monitors the possibility of office risks at a head office or an operation center of a financial institution, that is, a central management center 2 disposed in the head office or the like. Reference numeral 3 denotes an in-line network connecting the sales office system 1 and the central management center 2. The intra-bank network 3 is a dedicated communication line network such as a LAN (Local Area Network) or a WAN (Wide Area Network) that includes a dedicated communication line, and serves as a host computer (not shown) that processes the financial operations of a financial institution online. It is also communicably connected to the host system.

Reference numeral 4 denotes a public network that can be connected to the sales office system 1 and the centralized management center 2, and enables communication with a mobile phone 5 capable of wireless communication as a general mobile terminal.
The monitoring system 10 is composed of the sales office system 1, the central management center 2, the in-line network 3, the public network 4, and the like. In FIG. 1, only one sales office system is shown. However, a large number of sales office systems 1 are connected to the central management center 2 by the intra-network network 3. It goes without saying that the entire system is monitored.

Next, the store system 1 will be described.
11 is a teller terminal for an operator such as a teller who is assigned to a sales counter at a sales office to perform operations related to financial transactions. It is a kind of computer, arithmetic means such as CPU, MPU, storage means such as semiconductor memory, HDD, input means such as keyboard / mouse, display means 11a such as liquid crystal display, communication interface, and control means 11c for controlling each part. Etc.
Further, the teller terminal 11 is connected to a scanner 11b (not shown) for reading image data of a slip relating to a financial transaction as an imaging unit such as a CCD (Charge Coupled Device).

The teller terminal 11 processes, for example, a withdrawal slip, a transfer slip, etc. of a normal deposit created by a customer of a financial institution, a foreign agent, or a teller, and the account number, amount, customer name, etc. are described in the slip. The registration seal is stamped.
The slip also includes a provisional slip 12a attached when the financial transaction does not satisfy a predetermined requirement. Here, the provisional slip 12a is attached to the normal slip 12b related to a financial transaction when the financial transaction is a financial transaction to be monitored including office risks, such as a convenient transaction.
The provisional slip 12a is provided with a slip ID as identification information in the form of a code such as a symbol, a number, or a barcode.

Reference numeral 13 denotes a management terminal for a manager as a manager of a sales store, a manager as a branch manager or the like to monitor operations in the sales store. In the figure, the branch manager terminal 13a and the officer terminal 13b are distinguished from each other, but in this description, the management terminal 13 includes both of them.
The management terminal 13 includes arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and HDD, input means such as a keyboard / mouse, display means 14 such as a liquid crystal display, communication interface, and control means for controlling each part. 13c and the like. The officers at the sales office operate the management terminal 13 and access the management server 21 described later, thereby acquiring all data related to operations at the sales office.
For this reason, the officer monitors the business risk in the sales office by displaying data on risk management items related to operations at the sales office on the display means 14 of the management terminal 13 or printing it on a paper medium. can do.

  15 is a cashier terminal, which realizes a total management solution for cash information at a branch office, which centrally manages cash deposits and withdrawals, counting, sealing, storage, etc., and arithmetic means such as CPU and MPU Storage means such as a semiconductor memory and HDD, input means such as a keyboard / mouse, display means 15a such as a liquid crystal display, communication interface, and control means 15c for controlling each part.

  Reference numerals 111 and 151 denote Web cameras as biometric information acquisition means that are attached to or installed in the vicinity of the teller terminal 11 and the cashier terminal 15, and can take a face image of a teller who operates each terminal. These Web cameras 111 are implemented and controlled as described in, for example, Japanese Patent Application Laid-Open No. 10-49606 and Japanese Patent Application Laid-Open No. 2005-301539 already filed by the applicant of the present application. Therefore, the description regarding the data processing from the photographing of the face (facial) image is omitted.

The teller terminal 11, the management terminal 13, and the cashier terminal 15 are connected to each other via a branch office LAN 16 that is a branch office network.
In addition to the teller terminal 11, the management terminal 13, and the cashier terminal 15, the branch office LAN 16 includes an automatic transaction apparatus (ATM) (not shown) and a terminal controller that controls communication between each terminal or ATM and a host computer. The description is omitted in this application. As a result, the teller terminal 11 can access the host computer and execute online processing of financial transactions at the branch.

Next, the central management center 2 will be described.
The central management center 2 is disposed at a financial institution's head office, an operation center, or the like, and includes a management server 21 that centrally controls risk management items related to operations. In addition, the manager in charge of operational risk monitoring of the financial institution stores the monitoring terminal 22 for monitoring the operations at all the branches and the data on the risk management items related to the operations at all the branches, and manages the convenient handling described later. A database device 23 for storing information such as tables is provided.
The database device 23 includes storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and can acquire and register a history of financial transactions or operations from the teller terminal 11. Further, the management server 21, the monitoring terminal 22, and the database device 23 are connected to each other via a headquarter LAN 24 that is a local network in the center.

The management server 21 has a time measuring means. When a predetermined time is reached, the database server 23 is accessed to analyze statistical information on the history of financial transactions or operations, and an abnormality is determined based on the result of analyzing the statistical information. When found, the monitoring terminal 22 and the management terminal 13 are notified. In the case of the present embodiment, it is set as three-step alert information, and there are emergency (Stop Alert), caution (Caution Alert), and normal (Note Alert).
More specifically, the management server 21 accesses the database device 23 at regular intervals according to the timing information, and acquires data on risk management items related to operations at all sales offices. The acquired data is stored in the storage means temporarily or for a long period of time, and statistical data on the risk management items is created. There is also a remote scrutiny function that automatically scrutinizes the day when a predetermined scrutiny date is reached.

The monitoring terminal 22 includes an arithmetic unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and an HDD, an input unit such as a keyboard / mouse, a display unit 22a such as a liquid crystal display, a communication interface, and a control unit 22c that controls each unit. Etc.
A person in charge of office risk monitoring at a financial institution can obtain all data related to operations at all branches by operating the monitoring terminal 22 and accessing the management server 21.
For this reason, the person in charge displays data on risk management items related to operations at all the sales offices of the financial institution on the display means 22a of the monitoring terminal 22 or prints it on a paper medium, so that all the sales offices Can monitor operational risks. Furthermore, it is possible to monitor the contents and progress of various financial transactions processed for each teller of each branch office.

  The database device 23 captures all Teller's faces in advance and stores them as registered biometric information (registered face image data). In addition, the database device 23 manages a slip image file for storing slip image data and a date on which financial processing is executed. A due date management file for storing data, a statistical management file for storing statistical data relating to financial processing, a seal file for storing seals of registered seals, a convenience management table file, and the like.

Next, the operation of the monitoring system of the present invention will be described.
Here, an unmarked transaction, which is a kind of unusual transaction (operation) in which a financial transaction is performed using a provisional slip, will be described as an example. Specifically, the unusual transaction (operation) is a transaction (operation) outside the normal operation time such as when the door of the cash storage unit of the cashier terminal is opened, inconsistent inspection, or late night or holiday.
“Unmarked transaction” means that when a customer who has a business relationship regularly over a long period requests financial transactions such as deposits, withdrawals and transfers over the phone, the teller May conduct transactions. In this case, the teller creates a slip 12b such as a deposit slip, a withdrawal slip, or a transfer slip. The slip 12b is not stamped with a customer mark. Therefore, the teller creates a provisional slip 12a indicating that the financial transaction is an unmarked transaction and attaches it to the slip 12b. It is assumed that the unusual transaction and operation are positioned as emergency (Stop Alert).

S1: The teller operates the teller terminal 11 to input a transaction-related data and a reason why there is no mark, that is, a reason for no mark, and starts a no-mark transaction operation. At this time, when the operation of the teller terminal 11 is started, the Web camera 111 is operated to take a face image of the teller. The first face image data is temporarily stored in a storage means (not shown) in the teller terminal 11.
The transaction-related data and the reason for no stamp are created by creating a slip 12b regarding the transaction and a provisional slip 12a in which the reason for no stamp is described, and causing the scanner 11b to read the image data of the slip 12b and the provisional slip 12a. Entered. The image data read by the scanner 11b is transferred to the teller terminal 11.

As a result, the teller terminal 11 performs slip processing, automatically identifies that the inputted financial transaction is an unmarked transaction based on the slip ID of the provisional slip 12a, and performs a process corresponding to the unmarked transaction. Execute.
At this time, for example, a face image is taken again using an input indicating the end of the operation as a trigger, and is stored in the storage unit in the teller terminal 11 as second face image data.

S2: The transaction history data regarding the input transaction without a mark, the image data of the temporary slip 12a, and the first and second face image data stored in the storage means are sent from the sales office system 1 to the central management center. 2 is transmitted. The transaction history of the teller terminal 11 is transmitted to the database device 23 every time one transaction ends.
The transaction history data and face image data are registered in the convenience management table file, and the image data of the provisional slip 12a is registered in the slip image file linked to the convenience management table file.

The management server 21 of the central management center 2 accesses the database device 23 and refers to the convenience management table file at regular intervals.
Thereby, the management server 21 can monitor the possibility of the office work risk regarding unmarked transaction operation. Then, the management server 21 notifies the teller terminal 11 of the branch office system 1 about the transaction that is about to expire and the transaction that is overdue in the convenient management table file of the database device 23, and “acquires the correct slip”. ”.
At the same time, the management server 2 notifies the management terminal 13 of the branch office system 1 and the monitoring terminal 22 of the central management center 2 that there are transactions that are about to expire and transactions that are overdue. For this reason, it is possible to exert an effect as a check against the branch office teller.

  Further, the management server 21 of the central management center 2 analyzes statistical information and manages data received from each branch office system 1 as statistical information. For example, according to the average value of each sales office, a sales office with many unusual transactions is regarded as abnormal, and the monitoring terminal 22 is notified. The average value is calculated based on the cumulative number of past months. Moreover, the reference | standard which judges whether there are many unusual transactions, such as unmarked transactions, can be changed by setting.

S3: As described above, in this embodiment, the management server 21 manages the due date of the unmarked transaction using the provisional slip 12a, and the monitoring terminal 22 detects the unmarked transaction approaching the due date or the unmarked past due date. The management terminal 13 and the monitoring terminal 22 are notified as “unusual transaction”. This notification includes any alert information, transaction history data, and face image data of emergency (Caution Alert) or normal (Note Alert) due to the business risk.
Further, the management server 21 of the central management center 2 analyzes and manages the data from each sales office as statistical information, so that the sales office may be fraudulent or may not comply with the business rules. Can be detected early.

  S4: In step S3, when the management server 21 determines that the data received from the sales office system 1 is a normal deposit / withdrawal transaction and the transaction amount is not high, the management server 21 transmits transaction monitor information to the management terminal 13. The management terminal 13 performs monitor display on the display means 14. As a transaction risk, a round green mark 131a and a transaction information display 131b, which means normal (Note Alert), are displayed as a low display. By visually recognizing the displayed round green mark 131a, the officer can grasp that a transaction with a low transaction risk is being executed.

  S5: In step S3, when the data received from the sales office system 1 is an unusual transaction, the display transmitted by the management server 21 to the management terminal 13 is high in transaction risk, for example, the emergency (Stop shown in FIG. A round red mark 131r meaning “Alert) and a transaction information display 131b are performed. Accordingly, the officer can visually recognize the displayed round red mark 131r to understand that a transaction with a high transaction risk is being executed. In addition, since it is an emergency notification, it cannot be overemphasized that a voice report may be used together.

Here, the monitor display example shown in FIG. 3 will be described.
FIG. 3 shows an example of display on the display means 14 of the management terminal 13, and a round red mark 131r is displayed on the upper left side. On the right side, a transaction information display 131b such as date and time and a teller name is displayed. Further, a scroll display button 131c is provided on the right side of the transaction information display 131b. For example, when a plurality of pieces of monitor information are received, the buttons can be sequentially displayed by operating these buttons.

Reference numeral 131d denotes a latest display button, which is operated when a display time has passed for a predetermined time or longer and receives the latest information from the central management center 2. A detail display button 131e displays detailed information as shown in FIG. 4 by the control program of the management terminal 13 when operated (details will be described later). 131f is a statistical analysis button, which is selected when a teller operation or transaction information is analyzed.
Reference numeral 131g denotes an absent mode button, and a monitor display is transferred by an operation when leaving the management terminal 13, for example, when going out (details will be described later). 131h is a face display image of the face image data received from the management server 21 (details will be described later). 131i is a display frame of a general business screen performed by the officer.

  S6: In addition, in step S3, when the data received by the management server 21 from the sales office system 1 is a large transaction, the display that the management server 21 transmits to the management terminal 13 has a relatively high transaction risk. For example, a round yellow mark 131y and a transaction information display 131b are displayed. Therefore, the officer can visually recognize the displayed round yellow mark 131y to grasp that a transaction with a relatively high transaction risk is being executed.

  The transaction monitor information notified to the management terminal 13 is not single. That is, as shown in FIG. 1, when the teller terminal 11 has three sets and the cashier terminal 15 has one set, there are a total of four sets of transaction monitoring objects. Therefore, the management server 21 monitors the transaction operation status of these four types of terminals in real time and notifies the management terminal 13 by the method described above. In the management terminal 13, the transaction monitor information may be scrolled and displayed at predetermined time intervals even when the latest display button 131d is not operated.

The round red mark 131r, the round yellow mark 131y, and the round green mark 131g receive the color information from the management server 21, and the round mark data in the screen information of the management terminal 13 includes “color”. Information "may be inserted.
Furthermore, the mark is not limited to a round shape, and is not limited to a star shape, square, triangle, or the like, and the display color is not limited to red, yellow, or green, but is displayed with a symbol or shape, and is blinked. In addition, the size and color may be different, and the target is only required to visually identify the urgency.

S7: Transaction monitor information by the management terminal 13 when the officer operates the absent mode button 131g shown in FIG. 3 or on a holiday, at night, or when the management terminal 13 is not powered on. The management server 21 confirms by means not shown whether the confirmation operation cannot be performed.
If it is not in the absence mode, the process proceeds to step S8.
If the transaction monitor information notified to the management terminal 13 is not confirmed, a situation in which office risks cannot be avoided occurs. Therefore, a terminal to be notified is always prepared and set.
S8: Whether the control means 13c of the management terminal 13 operates the latest display button 131d, the detailed display button 131e, the statistical analysis button 131f, the absent mode button 131g, and the display image button 131h shown in FIG. To monitor.

  S9: Since the management server 21 is in the absence mode, the transaction monitor information is notified to the preset mobile terminal 5 without being transmitted to the management terminal 13. Specifically, it is transmitted via the public network 4 to the e-mail address of the cellular phone held by the officer. The officer can grasp the situation from alert information displayed on the mobile phone, for example, a round red mark 131r indicating an emergency alert. In addition, although the monitor display example displayed on the portable terminal 5 is not illustrated, it is needless to say that the information is substantially the same as the content illustrated in FIG.

  S10: When the detail display button 131e is operated in step S8, a detail screen display as shown in FIG. 4 is displayed, and the control program of the management terminal 13 performs biometric authentication to the management server 21. The user is instructed to perform identity verification, that is, identity authentication using a face image. On the management server 21 side, the registered face image data of all tellers registered in advance in the database device 23 is compared with the first face image data collected and recorded at the time of the transaction, and the coincidence rate is equal to or higher than a specified value. From the face image data, the teller name is determined and returned together with the matching rate.

In FIG. 4, the teller name is displayed in the authentication result column 131j, and the match rate is displayed in the face authentication score column 131k. The first face image data received from the management server 21 is enlarged and displayed in the display frame 131m.
When the officer clicks the display frame 131m, the second face image data is received from the management server 21 and displayed. At this time, the management server 21 compares the registered face image data of all tellers registered in advance in the database device 23 with the second face image data collected and recorded at the end of the input operation, and the matching rate is determined. From the face image data that is greater than or equal to the specified value, a teller name is determined and a reply is sent again with a match rate.

S11: When the officer wants to end the display and presses the close button 131n shown in FIG. 4, for example, the control means (not shown) of the management terminal 13 returns the display of the display means 14 to the display screen of the transaction monitor information.
When the previous screen button 131p is pressed, the current transaction monitor information display screen shown in FIG. 3 is restored. Further, when the subsequent screen button 131s is pressed, other information related to the current transaction monitor information is displayed.
Therefore, if the teller terminal 11 has 3 formulas and the cashier terminal 15 has 4 formulas in total, the transaction monitor information in which transactions are being conducted using the 4 formulas will be sequentially displayed as shown in FIG. .
S12: The control means 13c (not shown) of the management terminal 13 returns the display of the display means 14 to the initial display screen of the transaction monitor information.

S13: When the display image button 131h is operated in step S8, the teller face image shown in FIG. 3 is enlarged and displayed. This enlarged display is only a face image, and is overlaid on the display frame 131i shown in FIG.
S14: If a certain period of time elapses with the display shown in FIG. 4 or the face image of the teller enlarged, the time-out occurs and the process proceeds to step S12. This is because an emergency alert notification may be received in addition to the transaction being queried. It should be noted that it is not essential to time out because it is only necessary to notify the officer only when another emergency alert notification is received.

S15: When the management terminal 13 transmits information such as screen transition progress to the management server 21, the management server 21 records the operation history information in the database device 23. This operation history information can be inquired from the monitoring terminal 22. Accordingly, since the operation status of the officer's own person is also monitored, the response status in an emergency can be verified at a later date.
The above description has been made with respect to the teller terminal 11, but it goes without saying that the transaction at the cashier terminal 15 is handled similarly.

Next, the case where the statistical analysis button 131f is selected in step S8 will be described.
When the statistical analysis button 131f is selected, the control means 13c of the management terminal 13 notifies the management server 21 of a statistical analysis result request. The management server 21 that has received this request returns an analysis menu (not shown) in order to grasp what statistical result is desired.
When the menu selected by the officer is returned from the analysis menu to the management server 21, the management server identifies the teller who operates each terminal in the branch office system 1, and creates various analysis data. The created analysis data is returned to the management terminal 13 that is the request source. The control means 13 c of the management terminal 13 displays the analysis data on the display means 14. This display example is as shown in FIG. 5A or 5B.

FIG. 5 is an explanatory diagram showing a display example of the alert analysis result of the present invention. In the display example of FIG. 5A, note alert, caution alert, and stop alert ratios are displayed for five tellers, respectively. It can be understood that there is a stop alert by a teller, that is, the presence of a frame 131u surrounded by a broken line in the figure.
In the example shown in FIG. 5B, the number of transaction operations for each time zone in which five tellers have performed transaction operations is shown. Thereby, the teller etc. with many transaction operations can be identified from the frame 131v enclosed with the broken line of illustration. Based on this information, we will comprehensively control operations.

Next, the journal analysis function will be described.
FIG. 6 is an explanatory diagram showing a display example of journal analysis results according to the present invention.
The management server 21 analyzes and calculates the handling status from the transaction history information stored in the database device 23, and displays, for example, the transition of the business volume of all the sales offices and the business distribution status as shown in FIG. This journal analysis is executed by an instruction operation from the monitoring terminal 22, but it goes without saying that an instruction from the management terminal 13 is also possible.
The above statistical analysis and journal analysis results are not stored in the database device 23.

  In addition to alert information analysis by teller, branch office and all stores, it is also possible to analyze work volume such as work distribution trend analysis showing the number and ratio of handling by business, handling status analysis by transaction, etc. There is an effect that becomes easy.

Finally, the remote review function will be briefly explained.
The management server 21 instructs the business point system 1 to perform automatic scrutiny when the scrutiny date reserved by the time measuring means comes.
First, a message is displayed on the cashier terminal 15 at the time of selecting or starting up the work. When the teller inputs a scrutiny instruction, the cash amount in the cashier terminal 15 is checked and the result is output. For example, it is output as a printed matter and received official approval and approval. The previous scrutiny result is also transmitted to the management server 21 and collated with the result scrutinized on the management server 21 side.
These scrutiny can be carried out unambiguously without setting the sales office, date and time.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention. For example, even if it is not a financial institution, it can be applied to monitoring of medical practices in hospitals and clinics, monitoring of expense processing in administrative organizations and general companies, and monitoring of access to inappropriate sites.

It is a conceptual diagram which shows the structure of the monitoring system in the Example of this invention. It is an operation | movement flowchart in the Example of this invention. It is explanatory drawing which shows the example of a monitor display of this invention. It is explanatory drawing which shows the example of a monitor display of this invention. It is explanatory drawing which shows the example of a display of the alert analysis result of this invention. It is explanatory drawing which shows the example of a display of the journal analysis result of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Sales office system 2 Centralized management center 11 Teller terminal 13 Management terminal 21 Management server 23 Database apparatus

Claims (1)

Teller terminals for operating financial transactions at financial institution branches,
A database device that acquires and registers a history of financial transactions or operations from the teller terminal;
A management server that accesses the database device and analyzes statistical information of the financial transaction or operation history;
A management terminal for monitoring office risks in the store,
The teller terminal has biological information acquisition means for acquiring biological information of a teller who operates the teller terminal,
The database device stores registered biometric information registered in advance for each teller, and additionally registers the biometric information of the teller together with the history of financial transaction operations,
When the management server finds an abnormality based on the result of analyzing the statistical information , the management server identifies it according to an office risk associated with the abnormality, and adds the contents of the financial transaction to the living body registered in the database device Notify the management terminal including the information ,
In response to an instruction from the management terminal,
Specify the teller's biometric information acquired at the start of the transaction operation and / or the end of the operation, and the teller name having a high match rate in the registered biometric information in the database device,
A monitoring system, wherein the matching rate and the teller name are returned to the management terminal .

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