JP5117007B2 - Cash transaction system - Google Patents

Description

  The present invention relates to a cash transaction system, and more particularly to ATM (Automated Teller Machine) for deposit / withdrawal transactions and suppression of counterfeit money transactions in a cash transaction system including the ATM.

  The ATM includes a discrimination unit that discriminates the authenticity of the banknotes deposited by the customer, and the banknotes determined to be true money (real money) by the discrimination unit are stored in the banknote storage in the ATM. Used for withdrawal. On the other hand, banknotes determined to be fake money (fake money) are stored in an internal reject storage so as not to be distributed thereafter.

Patent Document 1 (Japanese Patent Laid-Open No. 2003-281603) and Patent Document 2 (Japanese Patent Laid-Open No. 2004-157624) disclose a technique for improving the accuracy of bill authentication in a cash transaction apparatus. Things are known.
Patent Document 3 (Japanese Patent Laid-Open No. 2004-310594) discloses a technique for securing evidence of use of a counterfeit note for tracing a user of a counterfeit note, and Patent Document 4 (Japanese Patent Laid-Open No. 2005-234618). Japanese Laid-Open Patent Publication (Kokai) discloses a technique for suppressing a depositing action of a counterfeit ticket by collecting the cash card in the apparatus when it is determined to be a counterfeit ticket.

JP 2003-281603 A JP 2004-157624 A JP 2004-310594 A JP 2005-234618 A

  Generally, the discrimination of money is performed by reading information on the surface of money put into the ATM by a discrimination unit and comparing the read image with a reference image stored in advance in a memory. Here, the money put into the ATM is, for example, various internal and external factors due to fluctuations in the conveyance of banknotes and fluctuations in the output of a sensor for collecting data for identification, environments such as temperature and humidity, etc. May be transported to a position slightly deviated from a predetermined reading position of the discrimination unit. In this case, since the discrimination unit cannot correctly read the surface information of the inserted money, it may determine that the finely created false money is genuine money.

  As a result, those who are involved in the manufacture and distribution of counterfeit money (hereinafter referred to as “persons related to counterfeit money”) deposit their own counterfeit money once deposited as true money through ATM transactions. There is a risk of repeated fraud by conducting transactions and depositing large amounts into the accounts of persons involved in counterfeit money, or conducting transfer transactions to the accounts of conspirators.

  The purpose of the present invention is to suppress the use of counterfeit money even if an incorrect determination result is obtained in the discrimination of money without impairing the convenience of the user of the cash transaction apparatus. It is in providing the cash transaction apparatus which can be detected.

The cash transaction system according to the present invention is preferably a cash transaction system in which a user conducts a cash transaction by operating an automatic cash transaction apparatus, and acquires information related to the transaction by the user and the user through a cash transaction. A transaction information acquisition unit, a transaction execution unit that executes a transaction based on the transaction information, a storage unit that stores in advance user transaction information and transaction results in association with user information, and determination of the denomination of banknotes And a monetary discrimination unit that determines whether or not the unique characteristics of the banknote are within a set range, and determines the authenticity of the money, and determines the authenticity of the banknote deposited by the user. When the determination result of the certainty is out of the predetermined range, the cash transaction system is configured to change and set the strictness of the true / false judgment of the paper.
In a preferred example, the probability that the gold is true is counted for each part of the banknote for the factor, and as a result, the banknote (semi-accepted) that exceeds the first specified level but falls below the second specified level (hereinafter referred to as quasi-accept). When the transaction ratio for (gold) becomes equal to or higher than a predetermined value, the strictness of true / false judgment is increased.
Preferably, when a plurality of quasi-accepts (quasi-gold transactions) with the same authenticity are generated for a bill deposited by a user in one transaction, a pre-set quasi-gold transaction process is performed. By reflecting the result in the system, the strictness of the true / false judgment of the transaction is controlled.
Preferably, when a banknote deposited by a user in a plurality of transactions is determined to be a quasi-gold of the same true / false, a pre-set quasi-gold transaction process is performed, and the result is transferred to a subsequent transaction. By reflecting the above, it is possible to control the strictness of the true / false judgment of the transaction.
In addition, preferably, when a quasi-gold is generated a plurality of times for a banknote deposited by a user, the factor is counted by the same true / false number of banknotes, and when the number exceeds a predetermined value, Re-identify.
In addition, it is preferable that a determination mechanism capable of accumulating the results of the quasi-gold transaction processing and classifying the user into the most likely level of suspected use of counterfeit money and hosting information obtained by the determination mechanism. Hold in computer or storage means.
Preferably, the authenticity of the banknote is determined by referring to the result of accumulating the determination values in the past transaction by reading the user information held in the host computer or the storage means.
Preferably, the user's suspicion of using false money by adding the next judgment value to the result of accumulating judgment values in past transactions by reading the user information held in the host computer or storage means. The transaction is stopped when the value exceeds the specified value.
Preferably, the setting of the automatic teller machine is changed for each time zone or region to determine whether or not to use the semi-acceptance (quasi-gold transaction) process.

In other words, the cash transaction system according to the present invention is preferably a cash transaction system in which a user conducts a cash transaction by operating an automatic cash transaction apparatus. According to the transaction information acquisition unit for acquiring information related to the transaction, the discrimination unit for determining the authenticity of the banknote to be traded, the counterfeit money determined to be fake according to the result of the banknote authenticity determination by the discrimination unit, and the counterfeit money Classified into three types: genuine gold with no doubt, and quasi-gold, which is determined to be true gold but remains suspected of false money, and related information classified and users acquired from the transaction information acquisition unit and A storage unit that stores transaction information in association with each other, and a management processing unit that calculates a usage rate of a quasi-gold bill every time a bill is determined to be true or false. If the value exceeds the specified range, transactions with users are restricted. Configured as a cash transaction system for controlling the cash transaction device to.
Preferably, when the banknote deposited by the user is determined to be quasi-true gold by the authenticity determination by the discrimination unit, the factor for the determination is counted for each part of the banknote and stored in advance in the storage means. By comparing with the distribution of the information of the gold which is stored and prepared, the probability of the quasi-gold transaction by the user is judged.
Preferably, the apparatus further includes a total number calculating unit, a ratio determining unit, and a predetermined processing execution unit for processing a predetermined execution related to a transaction, and money inserted into the input unit for one transaction. For at least one of the denominations, the total number of sheets calculation unit is an approximate region suspected of false money for each predetermined region based on the determination result stored in the storage unit The ratio for each denomination of money determined is calculated, and the ratio determination unit determines whether at least one of the calculated ratios is equal to or greater than a predetermined ratio set in advance. Then, the predetermined process execution unit selects and executes the transaction restriction process or the stop process when the ratio determination unit determines that the ratio is equal to or greater than the predetermined ratio.
Preferably, the discrimination unit compares a preset reference image with the acquired banknote image and, based on the comparison result, for each predetermined area of the banknote image, An approximation determination unit that determines whether or not the image and the reference image are approximate regions to be approximated, and a storage unit that stores a determination result for each predetermined region by the approximation determination unit.

  According to the present invention, when false money that has been determined to be true money is received by money discrimination, the distribution of the judgment value is analyzed, and the user is classified according to the degree of suspicion and the corresponding response. By taking measures, it is possible to prevent counterfeit money transactions. Further, by narrowing down the target for performing detailed discrimination processing, it is possible to operate a stable cash transaction apparatus without stopping the operation of the transaction apparatus while preventing counterfeit transactions.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 shows a configuration of a cash transaction system according to an embodiment.
A cash transaction system is a system that manages transactions such as cash deposits and withdrawals and transfers managed by financial institutions, and an automatic transaction device such as ATM1 is connected to a host computer (hereinafter simply referred to as a host) 2 via a network. Configured. Although only one ATM 1 is shown in FIG. 1, a large number of ATMs 1 are actually connected to the host 1.
This cash transaction system has a function of suppressing a deposit transaction or a transfer transaction in ATM 1 of a person requiring attention that may be involved in the manufacture and distribution of counterfeit money (hereinafter referred to as a “fake money”). In the following example, deposit is taken as an example of a transaction, but the present invention is not limited to this, and the present invention is also applied to a transaction such as withdrawal or transfer.

  The ATM 1 includes a communication unit 102, a main control unit 104, a time management unit 106, an operation unit 108, a money handling unit 110, a cash identification unit 112, a card / passbook handling unit 114, and a storage unit 118. Have. As shown in FIG. 2, the money handling unit 110 includes a bill insertion unit 103, a sensor 105, a bill conveyance path 107, a temporary stacker unit 109, and bill storage units 120 to 124 as details.

  The communication unit 102 communicates information for transactions with the host 2. The time management unit 106 manages the current date and time. The operation unit 108 is, for example, a touch panel having functions of a display unit and an input unit, displays guidance for transactions, guides the user's operations, and accepts user input operations for transactions. The main control unit 104 may control the guidance display and input operation of the operation unit 108 to acquire the user name and contact information as user information. Moreover, you may control to display the confirmation matter about the transaction which the user performed previously.

  The money handling unit 110 executes conveyance of banknotes, discrimination, and deposit / withdrawal of banknotes. As shown in FIG. 2, the money discrimination part 112 detects the authenticity of the deposited banknote and the factor that is the basis for the determination. Although details will be described later, in this embodiment, as a result of banknote discrimination, banknotes classified into areas that are not suspected of being false gold are regarded as true gold, and banknotes classified into areas suspected of being false gold It will be pure gold. The card / passbook handling unit 114 reads the account number recorded on the magnetic stripe of the cash card or passbook. The read account number is transmitted to the host 2.

  The transaction history management unit 212 of the host 2 searches the transaction history DB 210 by the account number and acquires user information. Hereinafter, information including user information, an account number, and a deposit amount is referred to as transaction information. The operation unit 108, the card / passbook handling unit 114, the transaction history DB 210, and the transaction history management unit 212 are collectively referred to as a transaction information acquisition unit. The storage unit 118 stores various files and programs. The main control unit 104 performs overall control of the above units.

The host 2 includes a main control unit 202, a communication unit 204, an account information database (simply referred to as DB) 206, a transaction execution unit 208, a transaction history DB 210, and a transaction history management unit 212. The main control unit 202 performs overall control of these units. The communication unit 204 communicates with the ATM 1. The account information DB 206 manages account information including the account number and account balance of the user of this cash transaction system. The transaction execution unit 208 performs management and information processing related to transactions such as user deposits and withdrawals. For example, when depositing money by operating ATM1, the user receives an update request from ATM1, updates the account balance in the account information DB 206, and executes a deposit transaction.
The transaction history DB 210 stores a transaction history such as user deposits and withdrawals. Details thereof will be described later with reference to FIG. The transaction history management unit 212 manages the transaction history DB 210 and updates the transaction history DB 210.

FIG. 3 shows a schematic configuration of the transaction history DB 210.
The transaction history DB 210 stores a transaction status history (transaction status history) for each transaction. With regard to the transaction status history, as the user information 31, the name and contact information (address, telephone number) are stored. As the financial institution information 32, a financial institution number and an account number are stored. Further, as the transaction date information 33, in the case of deposit, the deposit date and the number of deposit transactions are stored. As transaction time information 34, a deposit time, an ATM number, a discrimination result, and a transaction status history are stored. The transaction status history stores denominations traded in the past and quasi-gold transactions in that denomination, and this information is updated in each transaction described later.

  Here, the financial institution number is a number unique to the financial institution in which the user has opened an account. The account number is an account management number assigned to each user. The financial institution number and the account number are set with a plurality of pieces of information when a user opens a plurality of accounts. The reason why the financial institution number can be memorized is that, in the mutual use of the system with other financial institutions, a cash transaction device of a different standard manufactured by a plurality of companies may be used. It is assumed that there is a possibility of authenticity determination. In order for the cash transaction according to the present embodiment to function more effectively, it is desirable that the result can be shared in a specific authenticity determination between systems with other financial institutions. For this purpose, management is performed using financial institution numbers. In addition, in the cash transaction system of a present Example, you may specify the range of the financial institution to operate.

  The deposit date is the date when the deposit transaction is executed in the account with the account number. The deposit time is the time when the deposit transaction is executed. The ATM number is a unique number of ATM 1 used by the user to execute the deposit transaction. In addition, the transaction status history is the accumulation of suspicion of using false money based on the discrimination results of banknotes traded by the user in past transactions. As for the deposit time and ATM number, when a deposit transaction is executed a plurality of times a day, a plurality of times are accumulated. Further, the transaction status history is re-accumulated when a transaction is performed. The number of deposit transactions indicates the number of times a user has performed a deposit transaction in one day. The deposit date, deposit time, ATM number, transaction status history, and number of deposit transactions are collectively referred to as transaction history. The transaction history DB 210 stores a transaction history for an arbitrary period such as one week or one month.

Next, a method for accumulating transaction status history will be described. The money that has been deposited is determined to be true or false in the money discrimination unit 112, and from the results, a true gold transaction rate, a quasi-gold transaction rate, and a false gold transaction accuracy rate are calculated, respectively, and the transaction results are each a true gold transaction. , Quasi-gold transactions, and fake gold transactions. The discrimination results are accumulated for each denomination and true / false type every time a transaction is executed, and stored in the transaction history DB 210 as a transaction status history. This value shows the availability value for false money.
Here, each transaction rate is calculated by the accumulation determination unit as follows. That is, the number of banknotes traded in each transaction is managed for each denomination, and the determination result for that denomination is counted for each authenticity, and the value stored in the transaction status history in the transaction history DB is stored in the true gold transaction. The rate is calculated by the following formula: genuine gold transaction number / total transaction number, semi-gold transaction rate = quasi-gold transaction number / total transaction number, false gold transaction rate = false gold transaction number / total transaction number.

  The transaction history management unit 212 has a cumulative value determination unit, and the cumulative value determination unit determines that a user is a fake money transaction from the value of the transaction status history, 1) a person who has no possibility, 2) a person who has a possibility, 3 ) Classify into groups of three levels, likely people. For example, 1) a person who has a semi-gold trading rate of 0-5% in each element of the transaction information history, 2) a person who has a semi-gold trading rate of 6-10% 10% or more of the persons are classified as 3) highly likely persons. The determination reference value is managed as a parameter in the cumulative value determination unit. In addition, the change can be set by operating the maintenance screen in the transaction apparatus alone. Further, it may be set by remote operation via a host.

  When the user uses ATM 1, the transaction history management unit 212 inserts a cash card into the card / passbook handling unit 114 and then acquires user information from the transaction history DB 210 when acquiring user information. , The group to which the user belongs is determined, and the strictness of the discrimination is selected from 1) normal, 2) slightly higher, and 3) higher. Since the account number of the user is normally recorded in the magnetic stripe of the cash card, the transaction status history of the user is acquired from the transaction history DB 210 using the account number as a key.

Next, with reference to FIG. 4, the authenticity determination of the banknote in the money discrimination part 112 is demonstrated.
The bills inserted into the bill insertion slot 103 move on the transport path 107 and pass through the money discrimination unit 112. At this time, information on the surface of the banknote is acquired by the sensor 105. The information of the acquired banknote is compared with the information of the gold stored in advance in the storage unit 118 to determine the authenticity.
This true / false determination is performed according to the flowchart of FIG. 4 for each of a plurality of true / false determinations that are set in advance and stored in the storage unit 118. In each true / false determination, true gold, quasi-gold, Classify into three types of counterfeit money. Then, as one of the determination results, the monetary discrimination unit 112 sets the genuine gold flag “0”, the quasi-gold flag “1”, and the false money flag “2” for each type of the classified authenticity determination. Transfer to the control unit 104.
Here, the true gold is a banknote classified into the area A in FIG. 5 and is a banknote that is not suspected of being counterfeit. Further, the false money is a banknote classified into the region C. Moreover, a quasi-gold is a banknote classified into the area | region shown by B , and is a banknote with the possibility of a false money.

  Information on the acquired semi-gold flag is transmitted to the transaction history DB 210 of the host 2 via the communication unit 102. Then, the transaction history management unit 212 updates the number of flags and the total number of transactions for each denomination for each authenticity. That is, the number of flags and the total number of transactions are accumulated with past numerical values stored as transaction status history in the transaction history DB 210. The transaction status history updated in this way is stored in the transaction history DB 210.

  Here, the reason for the occurrence of quasi-gold is when using false gold that is mistakenly determined to be gold, variation during transportation, sensor output fluctuations for collecting data used for identification, temperature, humidity, etc. Various internal and external factors can be assumed, such as environmental factors. Note that banknotes determined to be pure gold or semi-gold are accepted in the ATM and stored in the banknote storage units 120 to 123. The banknote determined to be false money is rejected and returned to the banknote insertion unit 103. Moreover, even if it is true money, there is money that is classified into the area of false money. This is because, for example, a banknote is bent so much that the information on the surface cannot be read accurately in the money discrimination part 112. It occurs in such as.

With regard to the processing of the inserted money, the money discrimination unit 112 performs a plurality of preset authenticity determinations, and sets the authenticity flag “0” in the authenticity determination results of all the target parts in the banknote. If 104 is obtained, the banknote is processed as a true gold. In addition, when at least one of the elements in each part receives the false money flag “2”, the main control unit 104 processes the returned money as a false money. The reason why the above processing is applied is that each true / false judgment value is set to a value that should not be exceeded when the money information is normally read by the sensor. This is because banknotes classified as false money are considered to be false money even if they are false. Finally, money that is neither of them is quasi-gold and is not false money, but means money that remains suspicious even in one place in each element of true / false judgment.
In addition, in FIG. 4, the possibility of a false money transaction is determined by the authenticity determination of four steps as in the authenticity determinations 1 to 4, but there is no necessity of the four steps, and every plurality of authenticity determinations. Just do it.

Next, with reference to FIG. 6, the deposit transaction process in a cash transaction system is demonstrated.
The processing operation of the host 2 is shown on the right side of FIG. 6, and the processing operation of ATM1 is shown on the left side.
The user inserts a bankbook or cash card into the card / passbook handling unit 114 of ATM1 at the time of deposit transaction. The card / passbook handling unit 114 of ATM 1 reads the account number recorded in the magnetic stripe of the passbook or cash card, and transmits the read account number to the host 2 via the communication unit 102 (S10).

  The transaction history management unit 212 of the host 2 searches the transaction history DB 210 with the received account number, and acquires user information. Moreover, the transaction status history regarding the user information is read and transmitted to ATM1 (S20). In ATM1, which transaction mode the user corresponds to is selected from the acquired transaction history. That is, the selection strictness is selected from 1: normal, 2: high, 3: high, and applied (S30).

ATM1 prompts the user to deposit money, and the user inserts a banknote, for example (S40). The inserted banknote is subjected to a discrimination process by the money discrimination unit 112 (S50), and the authenticity and type of the deposited banknote are determined. The determined banknote is conveyed to the temporary stacker 109 of the money handling unit 110 and temporarily held there. The total of the determined amounts is displayed on the display unit of the operation unit 108, and when the user performs a confirmation operation, the main control unit 104 acquires the deposit amount. Hereinafter, these processes are referred to as a deposit process. Transaction results of this deposit process (number of denominations, true gold transactions, true gold transaction rate, quasi-gold transaction rate, quasi-gold transaction rate, counterfeit transaction rate, counterfeit transaction rate) (S60-70) ), The following discrimination result accumulation process (S80) is executed for each authenticity (S90). Details of S80 are shown in FIG.
Here, the quasi-gold trading rate manages the number of banknotes in each transaction for each denomination, counts the judgment result for that denomination for each authenticity, and accumulates it in the transaction status history in the transaction history DB. From the stored value, the quasi-gold trading rate = quasi-gold trading volume / total trading volume.

In FIG. 7, when one or more banknotes of the same denomination are inserted in one deposit transaction, and the quasi-gold transaction rate for the same true / false is 1 to 29% (S801 / No). Then, the transaction status accumulation process is executed (S804), and the inserted banknote is handled in the same manner as a true gold. Here, the quasi-gold trading rate is 1 to 29% as a condition, but the set value can be changed.
At this time, the banknote determined to be quasi-gold may be re-differentiated in the money discrimination unit 112. In addition, it is possible to re-identify all banknotes that are quasi-gold with the same authenticity, or re-identify only one or two of the banknotes that are quasi-gold with the same authenticity. Also good. Moreover, you may re-discriminate all the banknotes of a deposit transaction. You may make it change these banknotes and the number of sheets to re-discriminate according to the ratio (%) of a quasi-gold trading rate.

In addition, when the number of quasi-gold transactions in the same true / false of the deposit transaction is 2 or more and 4 or less in a row (S802 / No), the transaction status accumulation process is similarly executed (S804) Banknotes are handled in the same way as true gold. Here, as a condition, the number of quasi-gold handling with the same true / false is continuously 2 or more and 4 or less, but the set value can be changed.
When two or more bills of the same denomination are thrown in a single deposit transaction and the quasi-gold transaction rate for the same true / false is more than 30% (S801 / Yes), the cash transaction system is It stops (S805), and the re-discrimination process is performed by the monetary discrimination unit 112 (S806).

  If the number of quasi-gold transactions in the same transaction is 5 or more consecutively (S802 / Yes), the cash transaction system is similarly stopped (S805) and the banknote re-discrimination process is executed. (S806). Here, as a condition, the number of quasi-gold processings for the same true / false is set to 5 continuously, but the set value can be changed. Similarly, when the number of quasi-gold transactions for deposit transactions is 10 or more (S803 / Yes), the cash transaction system is similarly stopped (S805), and the banknote re-discrimination process is executed (S806). . In the re-discrimination process (S806), the banknotes determined to be semi-gold are temporarily stored in the temporary stacker 109, and after the deposit process is completed, the banknotes stored in the temporary stacker 109 are received according to a command from the main control unit 104. It is conveyed to the money discrimination part 112 and performed by performing the discrimination process again. In this example, the number of quasi-gold handlings for the same authenticity is 10 as a condition, but the set value can be changed.

  At this time, all banknotes determined to be quasi-gold handling may be re-differentiated, or all banknotes determined to be quasi-true gold handling may be re-differentiated. Alternatively, only one or two of the banknotes determined to be quasi-gold handling with the same authenticity may be re-differentiated. Moreover, you may re-discriminate all the banknotes of a deposit transaction. You may make it change these bills and the number of sheets to re-discriminate according to the ratio (%) of the quasi-gold handling rate.

  As a result of the above process, re-discrimination is performed, and if it is determined that it is quasi-gold again with the same authenticity, the result of re-discrimination is used as the transaction result, the deposit transaction is stopped, and the cash card and bankbook are returned. Then, inappropriate transaction countermeasure processing is executed (S808). In the inappropriate measure countermeasure process, a transaction stop guidance is displayed on the operation unit 108. In the information on the suspension of transactions, for example, the guidance of “Cannot be handled. Inappropriate transaction countermeasure processing is not limited to this, and in order to notify a staff member of a financial institution, processing for sounding an alarm or processing for lighting a lamp of a monitoring device monitored by the staff member may be executed. Furthermore, it is not always necessary to execute inappropriate transaction countermeasure processing. In addition, even when the deposit transaction is stopped, the card or passbook may not be returned, and the card or the like may be set to be returned through the operation of the attendant.

  If re-discrimination is executed as a result of the above processing, and it is no longer determined that it is quasi-gold, and if the result system of the above discrimination processing is not stopped, the result of the result re-discrimination re-discrimination is used as the transaction result. The host 2 is requested to execute a deposit transaction for updating the account balance for the deposit amount. This request is accompanied by transaction information (user information, account number, and deposit amount), deposit date, deposit time, ATM number of ATM1, and deposit transaction result.

  When re-discrimination is executed as a result of the above processing, it is no longer determined that it is quasi-gold, and if the transaction system is stopped as a result of the above discrimination processing, the result of the re-discrimination is used as the transaction result, and the host 2 is requested to update the transaction status (S100). This request is accompanied by transaction information (user information, account number and discrimination result), payment date, payment time, ATM number of ATM1, and payment transaction result.

Upon receiving the request, the transaction execution unit 208 of the host 2 searches the account information DB 206 with the account number and updates the transaction information history regarding the account number (S110). Then, the transaction history management unit 212 registers the payment date, the payment time, and the ATM number in the transaction history DB 210, and updates the number of payment transactions, the payment transaction result, and the transaction information history (S120). The person concerned with false money will make multiple pieces of false money of the same structure, and expect that the false money will be judged to be real money by the money discrimination unit 112, and will try to make a deposit transaction at various ATM1. It is thought that there are many.
Therefore, according to the cash transaction system of the present embodiment, the more the money related person uses the false money, the more the money of the specific person can be restricted, which can be prevented.

According to the present embodiment, when the banknote deposited by the user is determined to be quasi-gold by the authenticity determination by the discrimination section, the factor that made the determination is counted for each part of the banknote, and the discrimination section By comparing with the distribution of stored gold information, it is possible to determine the certainty that the user is trading semi-gold when trading a banknote using a cash transaction apparatus. it can.
Thereby, according to the number and ratio of the calculated banknotes, an approximate area where the banknote image and the reference image are approximated in a predetermined area of the banknote image by executing a transaction restriction process and a transaction stop process. When the approximation determination unit that determines whether or not the reference image and the monetary image have obtained an incorrect comparison result and erroneously determined that the predetermined region that is not an approximate region is an approximate region However, it is possible to suppress the execution of transactions using false money.

  Furthermore, according to another example, the computer further includes a total number calculating unit, a ratio determining unit, and a predetermined processing execution unit that processes predetermined execution related to the transaction, and the total number calculating unit stores the storage in the storage unit. Based on the determination result, for each predetermined area, calculate the ratio for each denomination of money determined to be an approximate area suspected of fake money, the ratio determination unit, among the calculated ratio, When at least one of the ratios is determined to be greater than or equal to a predetermined ratio set in advance, and the predetermined process execution unit determines that the ratio determination unit determines that the ratio is equal to or greater than the predetermined ratio, the transaction restriction process Alternatively, the stop process may be selected and executed.

  With such a configuration, even when the ratio determination unit determines that the predetermined processing execution unit is equal to or less than the predetermined ratio, the past quasi-gold usage state exceeds a predetermined reference value in the ratio accumulation unit. Since the transaction restriction process and the stop process are executed, the approximate determination unit obtains an erroneous comparison result in the comparison between the reference image and the money image, and determines that the predetermined area that is not the approximate area is the approximate area. In some cases, execution of transactions can be suppressed.

  According to another example of the present invention, a total number calculating unit, a rate calculating unit, a rate determining unit, a rate accumulating unit, an accumulated value determining unit, and a predetermined process for processing a predetermined execution related to a transaction An execution unit, and when transactions are performed multiple times in multiple cash transaction devices, the total number of denominations of at least one denomination of money entered into the input unit in each transaction The calculation unit calculates, based on the determination result stored in the storage unit, the total number of money determined to be an approximate region of quasi-gold for each predetermined region, and the ratio determination unit calculates the calculated total From the number of sheets, the ratio of the banknote traded this time is quasi-gold is calculated, it is determined whether or not the ratio is equal to or less than a predetermined value, and the predetermined process execution unit determines that the ratio is equal to or less than the predetermined ratio. If the department determines, the semi-final gold up to the previous time in the percentage accumulation part As a result of the accumulation together with the accumulated value of the discount rate, if it exceeds a predetermined value, or limit the processing of transactions may be executed by selecting the shutdown process.

  With such a configuration, the predetermined process execution unit executes a transaction stop process when the ratio determination unit determines that the ratio is equal to or greater than the predetermined ratio. Therefore, the approximate determination unit performs the comparison between the reference image and the monetary image. When an erroneous comparison result is obtained and a predetermined area that is not originally an approximate area is determined as an approximate area, execution of a transaction can be suppressed.

In addition, according to another example, further comprising a rate accumulation unit, a cumulative value determination unit, and a predetermined processing execution unit for processing predetermined execution related to the transaction, when a transaction is performed a plurality of times, For at least one denomination of money denominated in the input unit in each transaction, the ratio determination unit determines whether or not the quasi-gold is determined for each predetermined area based on the determination result stored in the storage unit. The total number of money determined to be in the approximate area is calculated, and the ratio determination unit calculates the ratio that the banknote traded this time is quasi-gold from the calculated total number, and the ratio is a predetermined value. If the ratio determining unit determines that the ratio is equal to or less than the predetermined ratio, the ratio accumulating section determines whether the quasi-gold transaction ratio is the cumulative value up to the previous time. As a result of re-accumulation, the accumulated value judgment unit calculates the user's money from the accumulated value. The level of trading conditions, classified into a predetermined area, the limit of the transaction corresponding to the region may be selected and executed.
With such a configuration, the predetermined process execution unit executes the transaction restriction process when the cumulative value determination unit determines that the user uses quasi-gold at a predetermined frequency or more. When the unit obtains an erroneous comparison result in the comparison between the reference image and the money image and determines that the predetermined area that is not an approximate area is an approximate area, execution of the transaction can be suppressed.

Further, according to another example, a quasi-gold transaction processing execution / non-execution selection unit may be further provided to arbitrarily set the execution / non-execution of processing during the quasi-gold transaction. .
With such a configuration, the system administrator can manage the security level for each cash dispenser device alone, and when the predetermined area that is not the approximate area is determined as the approximate area, the execution of the transaction is effective. Can be suppressed.

Furthermore, the present invention is not limited to the above-described embodiments, and can be implemented with various modifications and applications. In addition, the names of the respective parts in the above-described embodiment are merely examples, and there may be other names. For example, the DB may be called a storage device, a storage unit, or a storage unit.
In the transaction system described above, the host 2 is involved in performing the forgery processing, but the processing function of the host 2 may be provided on the ATM side. Or you may make it give the processing function of the said host 2 with the server installed in every branch which manages several ATM. If such a process is performed by the server, it is possible to perform the setting arbitrarily for each ATM installation area or the operation time zone.

The figure which shows the structure of the cash transaction system in one Example. The figure which shows the structure of ATM1 in one Example. The figure which shows the outline of transaction log | history DB210 in one Example. The figure with which it uses for description of the authenticity determination of the banknote in one Example. The figure which shows the distribution condition of pure gold | metal | money, quasi-gold money, and false money in one Example. The flowchart which shows the payment transaction processing of the cash transaction system in one Example. The flowchart which shows the detail of the discrimination result accumulation | storage and determination processing in one Example.

Explanation of symbols

1: ATM 102: Communication unit 103: Bill insertion unit 104: Main control unit 105: Sensor 106: Time management unit 107: Bill conveyance path 108: Operation unit 109: Temporary stacker unit 110: Money handling unit 112: Money discrimination unit 114 : Card / passbook handling unit 118: Storage unit 120 to 124: Bill storage unit 2: Host computer 202: Main control unit 204: Communication unit 206: Account information DB 208: Transaction execution unit 210: Transaction history DB 212: Transaction history management Department.

Claims (12)

In a cash transaction system in which a user conducts a cash transaction by operating an automatic cash transaction apparatus, a transaction information acquisition unit that acquires information on a user and a transaction by the user through a cash transaction, and based on the transaction information there Te and transaction execution unit for executing a transaction, the transaction information and the transaction result of the user, a storage unit for storing in advance in association with the information of the user, within the unique features have been set for banknote and determine, with a monetary classification section that performs authenticity determination to determine the likelihood is Magane, wherein the monetary discriminating unit, the probability is true gold respect bills the user has deposit banknote As a result of counting for each part, when the transaction ratio for the banknote (quasi-gold) that exceeded the first prescribed level but fell below the second prescribed level (hereinafter referred to as quasi-accept) becomes a predetermined value or more, The user Cash transaction system, characterized in that to limit the transaction against. The money discriminating unit, in a single transaction, the bill that the user has to deposit, quasi accept in the differential results for the authenticity of the bill (quasi-Magane transaction) is a case in which a plurality of sheets occurs, the transaction information If the transaction rate for the semi-true gold stored in the transaction is equal to or less than the reference rate, the banknote determined to be the semi-gold transaction is treated as a real gold and the semi-gold stored in the transaction information. The cash transaction system according to claim 1, wherein the transaction ratio is updated . In the case where a plurality of quasi-accepts (quasi-gold transactions) are generated as a result of discrimination against the authenticity of the banknotes in a single transaction, the quasi-gold transaction Even if a plurality of banknotes determined to be consecutive, if the number is equal to or less than a predetermined number, the banknotes discriminated from the quasi-gold transaction are handled as true gold, and the transaction information If the transaction rate of stored semi-gold is updated, the number is more than a predetermined number, and the transaction rate of semi-gold is stored in the transaction information is not less than a standard rate, the cash 3. The cash transaction system according to claim 2 , wherein the transaction system is stopped . The cash discriminating unit, when the quasi-real gold for banknotes user has payment when multiple occurrences, counts the number of times distinguish the authenticity of the previous SL banknotes, the number exceeds a predetermined value, the bill The cash transaction system according to claim 1, wherein re-discrimination is performed. Based on the size of the transaction rate for the quasi-gold, the possibility of a false money transaction is determined, and the user is assigned to a predetermined group according to the determined possibility of the false money transaction. The cash transaction system according to claim 1 , further comprising a determination unit that classifies and stores the classification result in the storage unit in association with the information of the user . The determination unit identifies a group corresponding to the user by using the user information stored in the storage unit as a key, and when the identified group is a group having a high possibility of fake money transaction, 6. The cash transaction system according to claim 5 , wherein criteria for authenticity determination are strict . The said money discrimination part accumulates and memorize | stores the value which shows the result of the authenticity determination of the said banknote for every part of the said banknote in the said transaction information, and the magnitude | size of the accumulated value obtained the result more than regulation value. The cash transaction system according to any one of claims 1 to 6 , wherein the transaction is restricted at the time. The monetary identification unit is configured to set a determination as to whether or not the transaction ratio for the quasi- gold is equal to or greater than a predetermined value for each time zone or region, and change the setting of the cash automatic transaction apparatus. The cash transaction system according to any one of claims 1 to 7. In a cash transaction system in which a user operates a cash automatic transaction apparatus, a transaction information acquisition unit that acquires information related to a user and transaction by the user through a transaction of cash, As a result of the discrimination part for determining the authenticity, the authenticity determination of the banknotes by the discrimination part, the false gold determined to be fake, the true gold with no suspicion of the false gold, and the true gold A storage for associating and storing identification information for identifying three types of semi-golden bills that remain suspected of gold, a portion of the identified banknotes, a user and transaction information acquired from the transaction information acquisition unit And a management processing unit that calculates the transaction rate of the semi-golden banknote every time the banknote is authentic, and the management processing unit has a semi-golden transaction rate exceeding a predetermined range. the developing gold, as the case, to limit the transaction for the user was Cash transaction system and controlling the dynamic transaction device. The management processing unit counts for each part of the banknote determined to be quasi- gold when the banknote deposited by the user is determined to be quasi-gold by authenticity determination by the discrimination unit, and stores in advance 10. The cash transaction system according to claim 9, wherein the probability of the quasi-gold transaction by the user is determined by comparing with the distribution of the gold information stored in the cash. In addition, a total number calculating unit, a ratio determining unit, and a predetermined processing execution unit for processing predetermined execution related to a transaction, and among the denominations of money input to the input unit for one transaction, With respect to at least one denomination, the total number calculation unit, based on the determination result stored in the storage unit, for each predetermined region, the amount of money determined to be an approximate region suspected of being counterfeit The ratio for each denomination is calculated, and the ratio determination unit determines whether or not at least one of the calculated ratios is equal to or greater than a predetermined ratio, and the predetermined process The cash transaction system according to claim 9 or 10, wherein the execution unit selects and executes a transaction restriction process or a stop process when the ratio determination unit determines that the execution ratio is equal to or greater than a predetermined ratio. The discrimination unit compares a preset reference image with the acquired banknote image and, based on the comparison result, for each predetermined area of the banknote image, the banknote image and the reference An approximation determination unit that determines whether or not the image is an approximate region to be approximated, and a storage unit that stores a determination result for each predetermined region by the approximation determination unit. The cash transaction system according to claim 9.

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