JP5248276B2 - Automatic transaction system and automatic transaction apparatus - Google Patents

Description

  The present invention relates to an automatic transaction apparatus such as an ATM, and more particularly to an automatic transaction apparatus that can contribute to prevention of wire fraud.

  A so-called “transfer fraud” that induces ATM operations while making a call with a victim and transfers money to a designated account has become a social problem. A technique for preventing the “transfer fraud” is disclosed in Patent Document 1 and the like. A technique for detecting whether or not a mobile phone is used is disclosed in Patent Document 2 and the like.

JP 2007-18295 A JP 2001-28618 A

  The problem with "transfer fraud" that induces the operation of automatic transaction equipment such as ATMs while making a call with the victim and makes the transfer to the specified account (the cause that the damage of the transfer fraud is not lost) is "typified by mobile phones The automatic transaction device is operated (transfer) while using a wireless communication device and the perpetrator's clever mouth wheel, etc., so that the victim lacks discretion to be aware of “transfer fraud”. It is thought that it is "being done". An object of this invention is to provide the automatic transaction apparatus and automatic transaction system which can contribute to prevention of a transfer fraud in view of the said problem.

  A first automatic transaction system according to the present invention is an automatic transaction system in which transfer by an automatic transaction apparatus is enabled by connecting an automatic transaction apparatus and a financial system via a network, and wireless communication When a radio wave detection device for detecting communication radio waves of the device is connected to the automatic transaction device and installed in the vicinity thereof or built in the automatic transaction device, and a transfer is selected on a transaction content selection screen in the automatic transaction device , If a communication radio wave is detected by the radio wave detection device after the time when the selection is made and before the input of the transfer destination information is completed, the transfer process is stopped by the automatic transaction device, or The money having received the information by transmitting information indicating that a communication radio wave has been detected from the automatic transaction apparatus to the financial system. And wherein the stopping the transfer processing in the system.

  According to the above configuration, it is possible to determine whether or not a transaction of “transfer” is performed by an automatic transaction apparatus such as an ATM while using a wireless communication apparatus (typically a mobile phone), and it is determined that this is the case. In this case, the transfer process is automatically stopped.

  The second automatic transaction system according to the present invention is the first automatic transaction system, wherein the radio wave detection is performed during the entire period from the time when the transfer is selected until the input of the transfer destination information is completed. The transfer process stop process is executed only when communication radio waves are continuously detected by the apparatus.

  According to the above configuration, when an operation is performed on an automatic transaction apparatus such as an ATM, a transfer is only detected when a communication radio wave is detected in a part from the time when “transfer” is selected until the input of transfer destination information is completed. The process is not stopped, and the transfer process is stopped only when the communication radio wave is continuously detected during the entire period. Note that “the communication radio wave continues to be detected by the radio wave detection device during the entire period until the input of the transfer destination information” is limited to “the communication radio wave is strictly detected for the entire period”. However, it is only necessary to be able to determine that “substantially all-time communication radio waves have been detected” for the purpose of “detecting the continuous use state of the wireless communication device”.

  The third automatic transaction system according to the present invention is the first or second automatic transaction system described above, and when the transfer process stop process is executed, the transfer made to the automatic transaction apparatus When the information obtained by the operation is temporarily stored by the automatic transaction apparatus or the financial system, when a temporary stop cancellation command for the transfer process to the automatic transaction apparatus or the financial system is input, A transfer process is executed based on the stored information.

  According to the above configuration, since the transfer operation content for the automatic transaction apparatus such as ATM is held, the transfer process can be executed again even after the transfer process is temporarily stopped. In addition, when a temporary suspension cancellation command is input from the financial system side, the transfer process cannot be terminated only by the operation of a user (who can be a victim of fraud). It is possible to prevent the transfer from being made based on the judgment of only the “victim who lacks discretion to recognize the situation”. In addition, when the automatic transaction apparatus is to input a temporary stop cancellation command, the temporary transaction cancellation command can be accepted only from an input unit (such as a maintenance interface on the back side of the ATM) that cannot be operated by the user. Specification that requires a password to input the release command, or a bank clerk operates the key to put the ATM into the clerk mode and inputs the suspension release command, or the user cannot know the suspension release command itself By using a code or the like, it is possible to prevent the transfer from being performed based on the judgment of only the user.

  A fourth automatic transaction system according to the present invention is any one of the first to third automatic transaction systems, wherein the automatic transaction apparatus or the financial system and an information processing apparatus for a supervisor are connected via a network. Thus, when the transfer process is stopped, the automatic transaction apparatus or the financial system makes a report to the monitoring information processing apparatus.

  According to the above configuration, a notification is made to the information processing device of a supervisor (for example, a bank employee, a security guard, or a person in charge such as a monitoring center) (for example, “Transfer transaction by ATM using a mobile phone” Popup information on the information processing device and automatic generation and transmission of the same mail).

  A fifth automatic transaction system according to the present invention is any one of the first to fourth automatic transaction systems described above, wherein the safe transfer destination information is registered, or the attribute of the transfer destination information. By defining safety attribute information in the information, the transfer destination information obtained by the transfer operation performed on the automatic transaction apparatus corresponds to the safety transfer destination information or the safety attribute information In this case, the transfer process stop process is not performed.

  According to the above configuration, for example, by registering a specific account number (such as an account holder whose identity has been firmly confirmed) as the safe transfer destination information, the transfer destination can be safely registered. In the case of the transfer destination information, the transfer process is performed assuming that there is no fear of transfer fraud (very low). In addition, for example, by setting the current account as attribute information of the transfer destination information, if the transfer destination is a current account, the transfer process is performed assuming that there is no risk of transfer fraud (very low) It becomes.

  A sixth automatic transaction system according to the present invention is any one of the first to fifth automatic transaction systems described above, and registers the risk transfer destination information to the automatic transaction apparatus. When the transfer destination information obtained by the transferred transfer operation corresponds to the dangerous transfer destination information, the transfer processing stop process is executed regardless of the presence or absence of communication radio wave detection by the radio wave detection device. To do.

  According to the above configuration, for example, by registering a specific account number as risk transfer destination information, if the transfer destination corresponds to the registered risk transfer destination information, the presence or absence of communication radio wave detection is determined. Regardless, the transfer process is stopped.

  A seventh automatic transaction system according to the present invention is any one of the first to sixth automatic transaction systems, wherein the automatic transaction apparatus or the financial system and an information processing apparatus for a supervisor are connected via a network. Connected to the automatic transaction apparatus and installed in the vicinity thereof or built in the automatic transaction apparatus, and the automatic transaction apparatus so that the image photographing apparatus can photograph the user's face. Connected and installed in the vicinity or built in the automatic transaction apparatus, and provided with a face recognition function, when a visitor is detected by the sensor, recording by the image photographing apparatus is started, and the automatic transaction is performed. If a face is not recognized by the face recognition function before a series of transaction operations on the apparatus is completed, the automatic transaction apparatus or the financial system And performing a notification for al the monitoring's information processing apparatus.

  According to the above configuration, the presence / absence of the user using the automatic transaction apparatus is determined by the sensor, and the user who is in use is photographed by the image photographing apparatus, and the face cannot be recognized even while using the automatic transaction apparatus. In the case (that is, when it is assumed that the face is hidden in some form), a report to the supervisor is made.

  An eighth automatic transaction system according to the present invention is any one of the first to seventh automatic transaction systems described above, and when the communication radio wave is detected during the transfer operation, the input transfer Information indicating that communication radio wave detection has been performed is stored in association with the previous information.

  According to the above configuration, information indicating that radio wave detection has been performed is stored in association with the input transfer destination information as log information.

  A ninth automatic transaction system according to the present invention is the eighth automatic transaction system, wherein the automatic transaction apparatus is associated with information indicating that the communication radio wave detection has been performed. If there is a transaction operation for an account that falls under, the transaction process is stopped by the automatic transaction apparatus, or the transaction process is stopped in the financial system that has received the transaction process request command from the automatic transaction apparatus. It is characterized by.

  According to the above configuration, when there is a transaction request for the account of the transfer destination for which radio wave detection was performed at the time of transfer, the transaction processing is stopped.

  A tenth automatic transaction system according to the present invention is the ninth automatic transaction system, which is obtained by an operation performed on the automatic transaction apparatus when the transaction process stop process is executed. If the transaction processing temporary stop cancellation command for the automatic transaction apparatus or the financial system is input by temporarily storing the information by the automatic transaction apparatus or the financial system, the temporary storage is performed. Transaction processing is executed based on information.

  According to the said structure, since the operation content of the transaction with respect to automatic transaction apparatuses, such as ATM, is hold | maintained, even after transaction processing once stops, transaction processing can be performed again. In addition, when a temporary stop cancellation command is input from the financial system side, transaction processing (cash withdrawal or the like) can be prevented only by an operation of a user (a person who can be a perpetrator of fraud). In addition, when the automatic transaction apparatus is to input a temporary stop cancellation command, the temporary transaction cancellation command can be accepted only from an input unit (such as a maintenance interface on the back side of the ATM) that cannot be operated by the user. Specification that requires a password to input the release command, or a bank clerk operates the key to put the ATM into the clerk mode and inputs the suspension release command, or the user cannot know the suspension release command itself By using a code or the like, it is possible to prevent a drawer or the like from being performed only by the user.

  An eleventh automatic transaction system according to the present invention is any one of the first to tenth automatic transaction systems, wherein an upper limit value of a transfer amount at the time of detecting a communication radio wave is set in advance. If the amount does not exceed the upper limit, the transfer process is not stopped.

  According to the above configuration, when the transfer amount does not exceed the predetermined upper limit amount, the transfer processing stop process is not performed.

  A first automatic transaction apparatus according to the present invention is an automatic transaction apparatus that is capable of performing a transfer procedure by being connected to a financial system via a network, and includes a control unit, a storage unit, and a display unit A radio wave detection device that detects a communication radio wave of the wireless communication device is connected to the automatic transaction device and installed in the vicinity thereof, or is built in the automatic transaction device As a result, when the transfer selection is made on the input section in the transaction content selection screen displayed on the display section, it is after the selection and until the input of the transfer destination information is completed. When the communication radio wave is detected by the radio wave detection device, the control unit stops the transfer process, or information indicating that the communication radio wave is detected to the financial system. Characterized in that to transmit the serial communication unit.

  The second automatic transaction apparatus according to the present invention is the first automatic transaction apparatus, wherein the radio wave detection apparatus is in the entire period from the time when the transfer is selected until the input of the transfer destination information is completed. Whether the communication radio wave is continuously detected by the control unit is determined by the control unit, and as a result of the determination, the transfer process stop process or the information transmission process to the financial system is performed only when the communication radio wave is detected over the entire period. It is characterized by performing.

  The third automatic transaction apparatus according to the present invention is the first or second automatic transaction apparatus described above, and when the transfer process stop process is executed, the transfer made to the automatic transaction apparatus By storing the information obtained by the operation in the storage unit, when a transfer process suspension release command is input from the input unit or when a transfer process suspension release command is received from the financial system Is characterized in that the transfer process is executed based on the information stored in the storage unit.

  A fourth automatic transaction apparatus according to the present invention is any one of the first to third automatic transaction apparatuses, wherein the automatic transaction apparatus and the information processing apparatus for a supervisor are connected via a network. Thus, when the transfer process is stopped, the automatic transaction apparatus makes a report to the supervisor information processing apparatus.

  A fifth automatic transaction apparatus according to the present invention is any one of the first to fourth automatic transaction apparatuses described above, wherein safe transfer destination information is registered in the financial system, or a transfer destination. By defining the safety attribute information in the attribute information included in the information, the safe transfer destination information is received from the financial system by the transfer operation performed on the input unit of the automatic transaction apparatus. Compared with the transferred bank transfer information by the control unit, if it is determined that the input bank transfer information corresponds to the safe bank transfer destination information, or was performed on the input unit of the automatic transaction apparatus The control unit compares the attribute information obtained from the transfer destination information obtained by the transfer operation with the safety attribute information, and when it is determined that the input transfer destination information corresponds to the safety attribute information, Characterized in that it does not perform the process of stopping the actual processing.

  A sixth automatic transaction apparatus according to the present invention is any one of the first to fifth automatic transaction apparatuses, wherein the risk transfer destination is registered by registering risk transfer destination information in the financial system. When the information is received from the financial system, the control unit compares the transfer destination information obtained by the transfer operation performed on the input unit of the automatic transaction apparatus, and the input transfer destination information is dangerous. When it is determined that the information corresponds to the transfer destination information, a transfer process stop process is executed regardless of whether or not the radio wave detection device detects the communication radio wave.

  A seventh automatic transaction apparatus according to the present invention is any one of the first to sixth automatic transaction apparatuses, wherein the automatic transaction apparatus and the information processing apparatus for a supervisor are connected via a network, A sensor for detecting the approach of a user is connected to the automatic transaction apparatus and installed in the vicinity thereof or built in the automatic transaction apparatus, and connected to the automatic transaction apparatus so that the image photographing apparatus can photograph the user's face. Installed in the vicinity or built in the automatic transaction apparatus, and provided with a face recognition function, when a visitor is detected by the sensor, recording by the image photographing apparatus is started, and a series of If the face is recognized by the face recognition function before the transaction operation is finished, the control unit determines whether the face is recognized. The, and performing notification to said monitored person information processing apparatus from the automatic transaction apparatus.

  An eighth automatic transaction apparatus according to the present invention is any one of the first to seventh automatic transaction apparatuses described above, and when the communication radio wave is detected during the transfer operation, the input transfer Information indicating that communication radio wave detection has been performed is associated with the previous information and stored in the storage unit or transmitted to the financial system.

  A ninth automatic transaction apparatus according to the present invention is any one of the first to eighth automatic transaction apparatuses, and when there is a transaction request designating an account, the control unit The communication radio wave detection stored in the account corresponding to the transfer destination information associated with the information indicating that the communication radio wave detection received from the financial system has been performed or the storage unit has been performed. Compared with the account corresponding to the transfer destination information associated with the information to be shown, if it is determined that they are the same account, the transaction processing is stopped.

  A tenth automatic transaction apparatus according to the present invention is the ninth automatic transaction apparatus, which is obtained by an operation performed on the automatic transaction apparatus when the transaction process stop process is executed. By storing the information in the storage unit, when a transaction processing suspension cancellation command is input from the input unit or when a transaction processing suspension cancellation command is received from the financial system, Transaction processing is executed based on information stored in the storage unit.

  An eleventh automatic transaction apparatus according to the present invention is any one of the first to tenth automatic transaction apparatuses, and an upper limit value of a transfer amount at the time of detecting a communication radio wave is preset in the storage unit. If the control unit determines that the transfer amount does not exceed the upper limit value by receiving the upper limit value of the transfer amount at the time of detection of communication radio waves from the financial system, the transfer process A stop process is not performed.

  A first automatic transaction apparatus control program according to the present invention is an automatic transaction apparatus capable of performing a transfer procedure by being connected to a financial system via a network, and includes a control unit, a storage unit, and a display An automatic transaction apparatus comprising a section, an input section, a communication section, and a radio wave detection apparatus for detecting communication radio waves of a wireless communication apparatus, wherein the transfer selection is input on the transaction content selection screen displayed on the display section A step of determining whether or not a communication radio wave is detected by the radio wave detection device after the time when the selection is made and before the input of the transfer destination information is completed, and the period If it is determined that a communication radio wave has been detected, the step of stopping the transfer process or the fact that the communication radio wave has been detected is transmitted to the financial system. A step, characterized in that for the execution.

  The second automatic transaction apparatus control program according to the present invention is the first automatic transaction apparatus control program, wherein the transfer information is completely input from the time when the transfer is selected until the transfer destination information is input. A step of determining whether or not a communication radio wave is continuously detected by the radio wave detection device, and a step of stopping the transfer process only when a communication radio wave is detected over the entire period as a result of the determination, or information on the financial system The step of transmitting is executed.

  A third automatic transaction apparatus control program according to the present invention is the first or second automatic transaction apparatus control program, and when the transfer process stop process is executed, the automatic transaction apparatus control program Storing the information obtained by the transfer operation performed in the storage unit, and receiving a transfer process temporary suspension release command from the input unit or receiving a transfer process temporary suspension release command from the financial system. In this case, a step of executing the transfer process based on the information stored in the storage unit is performed.

  A fourth automatic transaction apparatus control program according to the present invention is any one of the first to third automatic transaction apparatus control programs, wherein the automatic transaction apparatus and the information processing apparatus for a supervisor are connected via a network. When the transfer process is stopped, the automatic transaction apparatus makes a notification to the supervisor information processing apparatus when the transfer process is stopped.

  A fifth automatic transaction apparatus control program according to the present invention is any one of the first to fourth automatic transaction apparatus control programs, and the safe transfer destination information is registered in the financial system. Alternatively, when the safety attribute information is defined in the attribute information of the transfer destination information, the step of receiving the safe transfer destination information from the financial system and the input to the input unit of the automatic transaction apparatus The step of comparing the transfer destination information obtained by the transferred transfer operation and the step of stopping the transfer process when it is determined that the input transfer destination information corresponds to the safe transfer destination information, or Obtaining attribute information from the transfer destination information obtained by the transfer operation performed on the input unit of the automatic transaction apparatus; and this and the safety attribute information Comparing the bets, characterized in that it does not perform the step of stopping said transfer process when the transfer destination information entered is determined to correspond to the safety attribute information.

  A sixth automatic transaction apparatus control program according to the present invention is any one of the first to fifth automatic transaction apparatus control programs, and by registering risk transfer destination information in the financial system, A step of receiving the risk transfer destination information from the financial system, a step of comparing this with the transfer destination information obtained by the transfer operation performed on the input unit of the automatic transaction apparatus, and the input transfer destination When it is determined that the information corresponds to dangerous transfer destination information, a step of executing a transfer process stop process regardless of the presence or absence of communication radio wave detection by the radio wave detection device is executed.

  A seventh automatic transaction apparatus control program according to the present invention is any one of the first to sixth automatic transaction apparatus control programs, wherein the automatic transaction apparatus and the information processing apparatus for a supervisor are connected via a network. Connected to the automatic transaction apparatus and installed in the vicinity thereof or built in the automatic transaction apparatus, and the automatic transaction apparatus so that the image photographing apparatus can photograph the user's face. Connected and installed in the vicinity thereof or built in the automatic transaction apparatus, and having a face recognition function, so that when a visitor is detected by the sensor, recording by the image photographing apparatus is started; and Determining whether or not a face has been recognized by the face recognition function until a series of transaction operations on the automatic transaction apparatus is completed, and the determination If the result is determined that not the face recognition is characterized in that to execute, and performing notification to said monitored person information processing apparatus from the automatic transaction apparatus.

  An eighth automatic transaction apparatus control program according to the present invention is any one of the first to seventh automatic transaction apparatus control programs, and is input when a communication radio wave is detected during the transfer operation. A step of associating information indicating that communication radio wave detection has been performed with the transferred transfer destination information and storing the information in the storage unit, or information indicating that communication radio wave detection has been performed on the input transfer destination information. The step of associating and transmitting to the financial system is executed.

  A ninth automatic transaction apparatus control program according to the present invention is any one of the first to eighth automatic transaction apparatus control programs, and when there is a transaction request specifying an account, The communication radio wave detection stored in the account corresponding to the transfer destination information associated with the information indicating that the communication radio wave detection received from the financial system has been performed or the storage unit has been performed. And a step of comparing the account corresponding to the transfer destination information associated with the information shown, and a step of stopping the transaction process when it is determined that the account is the same as a result of the comparison It is characterized by that.

  A tenth automatic transaction apparatus control program according to the present invention is the ninth automatic transaction apparatus control program, and is executed for the automatic transaction apparatus when the transaction process stop process is executed. Storing the information obtained by the operation in the storage unit, and when the transaction process temporary suspension release command is input from the input unit or when the transaction process temporary suspension cancellation command is received from the financial system, And executing a transaction process based on the information stored in the storage unit.

  An eleventh automatic transaction apparatus control program according to the present invention is any one of the first to tenth automatic transaction apparatus control programs, wherein an upper limit value of a transfer amount when a communication radio wave is detected is stored in the storage unit in advance. Determining whether or not the transfer amount exceeds the upper limit value by receiving the upper limit value of the transfer amount at the time of detection of communication radio waves from the financial system, and the result of the determination If it is determined that it does not exceed, the step of stopping the transfer process is not executed.

  According to the first automatic transaction system according to the present invention, it is a cause that the damage of the transfer fraud is not lost, “the automatic transaction apparatus is operated (transfer) while using a wireless communication apparatus represented by a mobile phone”. On the other hand, if you are making a "transfer" transaction using an automatic transaction device such as an ATM while using a wireless communication device, the transfer process can be stopped automatically, preventing the occurrence of damage. It becomes possible. Moreover, since at least the transfer destination information can be acquired by adopting the configuration of the first automatic transaction system, it is possible to effectively use the information (use the acquired transfer destination information). This makes it possible to prevent the occurrence of secondary damage and to use it for crime detection).

  According to the second automatic transaction system according to the present invention, in the operation to the automatic transaction apparatus such as ATM, communication is performed in a part from the time when “transfer” is selected until the input of the transfer destination information is completed. The transfer process is not stopped just by detecting the radio wave, and the transfer process is stopped only when the communication radio wave is continuously detected during the entire period. It is possible to prevent fraud damage. In other words, since the mobile phone regularly communicates with the base station, there is a possibility that communication radio waves may be detected just by having a mobile phone that is turned on even if it is not actually talking. (This may stop processing even though there is no risk of damage from wire fraud.) On the other hand, if the detection is made only when the radio wave detection time is longer than “communication with the regular base station”, malfunction may occur based on “communication with the regular base station”. Can be prevented. However, mobile phones may emit communication radio waves for a relatively long time by sending and receiving e-mails in addition to calls, and the above measures are not always sufficient. On the other hand, since the transfer fraud is thought to prevent the victim from having to cool down by operating the ATM while making a call, it is a continuous call state at least until the transfer destination information is entered It is thought that. Therefore, by adopting the configuration of the second automatic transaction system, it is possible to prevent damage caused by wire fraud while suppressing malfunction.

  According to the third automatic transaction system of the present invention, since the transfer process can be executed again even after the transfer process is temporarily stopped, the convenience to the user is excellent. In addition, when a temporary suspension cancellation command is input from the financial system side, the transfer process cannot be terminated only by the operation of a user (who can be a victim of fraud). It is possible to prevent the transfer from being made based on the judgment of only the “victim who lacks discretion to recognize the situation”. In addition, when the automatic transaction apparatus is to input a temporary stop cancellation command, the temporary transaction cancellation command can be accepted only from an input unit (such as a maintenance interface on the back side of the ATM) that cannot be operated by the user. Specification that requires a password to input the release command, or a bank clerk operates the key to put the ATM into the clerk mode and inputs the suspension release command, or the user cannot know the suspension release command itself By using a code or the like, it is possible to prevent the transfer from being performed based on the judgment of only the user as described above. In other words, the damage caused by “the fraudulent scam of the perpetrator is in a state of lack of discretion that makes the victim aware of the“ transfer fraud ””, which is the cause of the damage of the transfer fraud. Whether or not to execute the transfer process is determined based not only on the judgment of the person but also on the judgment of the third party, so that the occurrence of damage can be prevented.

  According to the fourth automatic transaction system of the present invention, a report is sent to the information processing device of a supervisor (for example, a bank clerk, a security guard, or a person in charge such as a surveillance center), and the bank that has received this report It is possible to prevent the occurrence of damage more effectively by directly speaking to a user who is making a transfer by ATM while a worker or a guard is talking.

  According to the fifth automatic transaction system of the present invention, for example, by registering a specific account number (such as the account owner's identity is firmly confirmed) as safety transfer destination information, When the transfer destination corresponds to the registered safe transfer destination information, the transfer process is performed assuming that there is no fear of transfer fraud (very low). In addition, for example, by setting the current account as attribute information of the transfer destination information, if the transfer destination is a current account, the transfer process is performed assuming that there is no fear of transfer fraud (very low) It becomes. Therefore, if it is determined that there is no risk of bank transfer fraud based on the bank transfer information, the “payment of transfer process” is not performed, so the damage of the bank transfer fraud can be prevented more accurately (with fewer malfunctions). it can. In addition, since unnecessary “processing stop” is suppressed, it is excellent in convenience for the user and the like.

  According to the sixth automatic transaction system of the present invention, for example, by registering a bank account number that was actually damaged by bank transfer fraud as risk bank information, the bank account to which the bank account was registered is registered. When the transfer destination information is applicable, the transfer process is stopped regardless of the presence or absence of communication radio wave detection. Therefore, even if the wire fraud is made without making a call in some way, or even if the communication radio wave does not go well due to a malfunction of the device, it is a dangerous transfer destination Since the transfer process is stopped, damage can be prevented.

  According to the seventh automatic transaction system of the present invention, when face recognition cannot be performed once while using the automatic transaction apparatus (that is, when it is assumed that the face is hidden in some form). A report to the supervisor will be made. Therefore, it can contribute to discovery of a suspicious person (for example, a criminal who came to withdraw cash).

  According to the eighth automatic transaction system of the present invention, information indicating that radio wave detection has been performed is stored in association with the input transfer destination information as log information. This makes it possible to prevent the occurrence of secondary damage by using the information and to use the information for crime detection.

  According to the ninth automatic transaction system of the present invention, when there is a transaction request for the account of the transfer destination for which radio wave detection was performed at the time of transfer, the transaction process is stopped. “Transfer account where radio wave detection was performed at the time of transfer” may be the account used for the transfer fraud (ie, the account where the criminal makes a cash withdrawal etc.), so restrain transactions against the account This can contribute to the clearance of suspects.

  According to the tenth automatic transaction system of the present invention, when a temporary stop cancellation command is input from the financial system side, transaction processing (cash withdrawal) is performed only by the operation of a user (person who can be a perpetrator of fraud). Etc.) can be prevented. In addition, when the automatic transaction apparatus is to input a temporary stop cancellation command, the temporary transaction cancellation command can be accepted only from an input unit (such as a maintenance interface on the back side of the ATM) that cannot be operated by the user. Specification that requires a password to input the release command, or a bank clerk operates the key to put the ATM into the clerk mode and inputs the suspension release command, or the user cannot know the suspension release command itself By using a code or the like, it is possible to prevent a drawer or the like from being performed by a user operation as described above. Therefore, it is not possible to make a transaction such as withdrawal from the account that may have been used for wire fraud (ie, the account where the criminal may withdraw cash etc.) by the operation of only the user. Since it requires the approval of a third party, it can contribute to the suppression of crime and the arrest of suspects.

  According to the eleventh automatic transaction system according to the present invention, when the transfer amount does not exceed the predetermined upper limit amount, the transfer process is not stopped. In crimes such as wire fraud, the perpetrator may request a certain amount due to its risk, while a relatively low amount of money is transferred in the daily life of an individual. Even if it occurs to some extent frequently, it is generally considered that the frequency of high transfer is low. Therefore, if the transfer amount is less than or equal to the predetermined amount, the risk of transfer fraud is low, and if you can stop low-priced transactions one by one, the procedure becomes complicated and the convenience of the user may be hindered. Is to prevent the transfer process from being stopped.

  Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. The following embodiment is one form when the present invention is embodied, and is not intended to limit the present invention within the scope thereof.

  FIG. 1 is a block diagram showing an overview of the overall configuration of the automatic transaction system 1 of the present embodiment. FIG. 2 is a block diagram showing an outline of the configuration of an ATM (automatic transaction apparatus) constituting the automatic transaction system 1.

  The automatic transaction system 1 is a system operated by a financial institution such as a bank. As shown in FIG. 1, the financial system 20 and the ATM 10 are connected via a network 50 to deposit, withdraw or transfer cash. It is comprised so that various transactions, such as, can be performed by operating ATM10. The financial system 20 has its main functions realized by various information processing devices such as a server and a database installed in a center such as a head office. Further, the financial system 20 includes various information processing devices such as a server provided in each branch. By connecting via a network, the system as a whole functions. In addition to being provided in each branch office (usually a plurality of ATMs), ATMs are provided in various commercial facilities and as unmanned stores. The monitoring center 40 performs monitoring of images sent from monitoring cameras provided in each branch or unmanned store. Note that a specific account number (safety account) is registered as the safe transfer destination information in the server (database) constituting the financial system 20 of the present embodiment, and a specific account number ( Danger account) is registered.

  As shown in FIG. 2, the ATM 10 includes a control unit 101 that controls the entire apparatus, a storage unit 102, a display unit 103 and an input unit 104 that are interfaces to a user (configured by a touch panel or the like), A communication unit 105 that transmits and receives information to and from the network, an I / O unit 106 that is an input / output interface for an external device, and the like are provided. The radio wave detection device 11 is a device that detects communication radio waves of the mobile phone 60 (wireless communication device), is connected to the I / O unit 106 of the ATM 10, and is installed in the vicinity thereof. The radio wave detection device 11 may be a device that simply outputs a signal to that effect when it detects a communication radio wave, or it may accept an instruction from the ATM 10 and operate according to it. good. Here, the radio wave detection device 11 is connected to the ATM 10 as an external device, but the radio wave detection device 11 may be built in the ATM 10.

  FIG. 3 is a flowchart showing an outline of the processing operation related to the present invention in the ATM 10 of this embodiment. The processing operation relating to the present invention will be described below with reference to the flowchart. In the following description, the processing subject may be omitted, but basically, it is obtained via the storage unit 101 or the communication unit 105 (or the I / O unit 106) according to an instruction to the input unit 104. The control unit 101 performs processing while referring to the received information and the like, and performs display processing on the display unit 103 based on the result, saves the result information in the storage unit 101, or the communication unit 105 (or I / O unit) 106), the process proceeds.

  In ATM10, a transaction menu screen (screen for selecting transaction details) is normally displayed on the display unit (step 301), and the transaction details are selected by the user (customer) by operating the input unit 104 (touch panel, etc.). As a result, processing (step 315) corresponding to each transaction is executed. In the examples, “specific processing contents of processing corresponding to each transaction” which is not very related to the present invention is summarized as “various transaction processing” in step 315, thereby simplifying the description.

  If the selection on the transaction menu screen is “transfer”, the process proceeds to step 303 to start detection of communication radio waves (steps 302 to 303). For example, the signal input from the radio wave detection device 11 to the I / O unit 106 is “high level when a communication radio wave is detected, and low level when no radio wave is detected”. In this case, during step 303 to step 308, “whether the signal input to the I / O unit 106 is at a high level or a low level” is monitored. A specific discrimination (monitoring) method may be determined according to the specification of the radio wave detection device 11.

  In subsequent step 304, necessary information is acquired while displaying a guidance screen in response to an input of the user (customer), and the information obtained thereby is stored in the storage unit 102. In step 305, it is determined whether or not bank transfer information (branch name, account number, etc.) has been acquired by the processing in step 304. If it is obtained, the process proceeds to step 306.

  In step 306, it is determined whether or not the acquired transfer destination information corresponds to a safety account, and if so, the process proceeds to steps 314 and 315 ("stop transfer process" described below). Do not do). The safe account in this example is based on the premise that the account holder's identity has been confirmed, such as the transfer destination's safety (there is no fear of transfer fraud). For this reason, the “transfer process is not stopped” is not performed. Note that the information on the safety account (and the risk account) is registered in the server (database) constituting the financial system 20 as described above, and the ATM 10 It communicates to determine whether it corresponds to a safety account (danger account) or not (acquires information on the safety account (and risk account) from the server in advance by batch processing etc. and holds it in the storage unit 102) In addition, the storage unit 102 may be referred to in the processing of Steps 306 and 307).

  If it does not correspond to a safety account, the process proceeds to step 307 to determine whether or not the acquired transfer destination information corresponds to a risk account. If it does not correspond to a risk account, the process proceeds to step 308. If it falls under the risk account, the process goes to step 313.

  If it does not correspond to the risk account, it is determined whether or not the communication radio wave has been detected for a while since “transfer” was selected on the transaction menu screen (step 308). If the determination in step 308 is affirmative, that is, it is assumed that the user has been talking on the mobile phone from the time “Transfer” is selected on the transaction menu screen until the input of the transfer destination information is completed. (= It can be judged that the possibility of a fraudulent wire fraud is relatively high). Therefore, if the determination in step 308 is affirmative, the process proceeds to step 309 to stop the transfer process. Further, in step 309, the input transfer destination information and information indicating that “the call radio wave was detected during the transfer operation” are associated with each other and transmitted to the financial system 20 (server). On the financial system 20 side receiving this, the received transfer destination information is stored in association with information indicating that a call radio wave has been detected during the transfer operation.

  In the subsequent step 310, a warning screen is displayed on the display unit 103, and a process of notifying the information processing apparatus (PC) for the supervisor is performed. The monitor is a bank clerk or guard at the head office or a branch, a staff at a monitoring center, etc., and the information processing device for the monitor is a PC used by these persons (other portable information terminals may be used). ). In the ATM 10, the address of the information processing apparatus (PC) for the supervisor is registered in advance, and a notification is made based on the address information. For example, information that “transfer transaction is being performed by ATM while using a mobile phone” is displayed on a PC monitor, or automatic generation and transmission of mail with the same content. In addition, since there are usually many ATMs and identification information is given to each ATM, the identification information is also added and transmitted in the notification. As a result, it is possible for the supervisor to determine in which ATM the transfer transaction is performed while using the mobile phone. The information of the report may include information on the bank transfer destination input by the user (customer).

  The loop processing of step 311 and step 312 following step 310 waits for the input of a “transfer process temporary stop cancellation command” (step 311) or the input of “cancel” (step 312). "Transfer process suspension cancellation command" is entered based on the judgment of the supervisor (if the third party supervisor judges that there is no risk of transfer fraud), it is released. If there is an input of a command, the process proceeds to step 315 and the transaction process is executed. The cancellation command is input from the financial system side via the communication unit 105 (the cancellation command input to the information processing apparatus constituting the financial system is input to the ATM via the network), or the input unit 104 That is entered as code information, or entered after logging in with administrator authority by a predetermined operation (such as password entry) on the input unit 104 (after the bank clerk performs the key operation, the ATM is set to the clerk mode) May be input from an input interface for administrator (maintenance) provided separately from the user (customer). In any case, by making it impossible for the user (customer) to operate, it is possible to prevent execution of the transaction process (transition to step 315) without the judgment of a third party.

  If there is an input of “Cancel”, the process returns to Step 301 and is repeated. The input of “cancel” is for the user (customer) to cancel the procedure, and when this is input, the screen returns to the initial screen (transaction menu screen). It is also possible to return to the previous procedure screen by the “Return” button.

  By the processing of step 308 to step 312, for example, when the transfer process is stopped due to detection of a call (step 309), a screen display such as “Please wait for a staff member to come” is displayed (step 310). Upon receipt of the report, a member of the branch or a security officer directly speaks to the customer to confirm the situation, and if it is determined that there is no problem, the input section 104 issues a “payment suspension cancellation instruction” as code information. , The transfer process is continued (input information and the like are stored in step 304, so there is no need for re-input). In the case of an unmanned store, a call device is provided near the ATM, and a message such as "Please take the handset so that a staff member will contact you" is displayed as an alert screen. Call the head office or monitoring center staff and talk directly with the customer. If it is determined that there is no problem, use the information processing device for the supervisor (PC21 / 41), etc. The transfer process is continued by inputting "command". In addition, as an alerting screen, a display such as “Are you in a bank transfer fraud?” May be performed more directly.

  As a result of the determination in step 307, if it is determined that the account is a risk account, the process proceeds to step 313, where the transfer process is stopped, the alert screen is displayed, and the monitoring information processing terminal is notified. Processing is performed. The risk account of this embodiment is based on the premise that it is a highly dangerous account such as a transfer fraud, such as an account actually used for a transfer fraud. In this case, the process is stopped regardless of whether or not radio waves are detected. After step 313, the process proceeds to the loop process of step 311 to step 312, and the contents of the alert screen, the notification, the subsequent process, and the like are the same as those described above.

  As described above, step 315 is a simplified representation of the “process according to each transaction” which is a process executed by the so-called conventional ATM. If it is not a transfer (step 302), It is executed when it is determined that there is no risk of transfer fraud (or low risk). After “various transaction processing” is executed, the process returns to step 301 to wait for the next transaction. Become.

  Although step 314 is separate from step 315 for convenience of description, it is actually a process executed in the process of step 315. If it is determined that the trading account corresponds to a risk account, step 314 is performed. The process proceeds to 313, and the process (not limited to transfer) is stopped. For example, in a cash withdrawal transaction, if the account corresponds to a risk account, the transaction processing is stopped and the processing from step 313 to steps 311 to 312 is executed. This prevents, for example, the withdrawal of cash from the criminal because the transaction cannot be continued without obtaining the judgment of a third-party observer, even if trying to withdraw cash from the risk account. Is possible. It should be noted that not only the risk account but also the “transfer destination information associated with information indicating that a call radio wave was detected during the transfer operation” registered in the financial system (server) by the processing in step 309. Based on "" (acquiring the information from the server if necessary), the transaction processing may be stopped when the account of the transfer destination information is a transaction account. “Transfer account for which call radio wave detection was performed at the time of transfer” may be an account used for wire fraud (ie, an account where the criminal makes a cash withdrawal, etc.), so suppress transactions against the account This can contribute to the clearance of suspects.

  As described above, according to the automatic transaction system of the present embodiment, “the automatic transaction apparatus is operated (transfer) while using a wireless communication apparatus typified by a mobile phone”, which is the cause of the loss of the transfer fraud. In contrast, when a “transfer” transaction is performed by an automatic transaction device such as an ATM while using a wireless communication device, the transfer process can be automatically stopped, thus preventing the occurrence of damage. It becomes possible. In addition, another reason why the damage caused by wire fraud is not lost is that “the victim is not in a state of discretion so that the victim is aware of“ transfer fraud ”due to the clever siege of the perpetrator”. On the other hand, whether or not to execute the transfer process is determined based not only on the victim's judgment but also on the judgment of a third party (a supervisor such as a bank clerk), so that the occurrence of damage can be prevented. It will be.

  In FIG. 3, it is determined whether or not a communication radio wave has been detected (the radio wave is detected in the entire period from when the transfer is selected until the transfer destination is input) when the transfer destination information is input. Although the description has been given taking the case of shifting to the processing as an example, as shown in FIG. 4, the communication radio wave may be detected after all the inputs related to the transfer are completed. FIG. 4 shows that the transfer process is not stopped when the transfer amount is less than or equal to the predetermined amount.

  In FIG. 4, the same reference numerals as in FIG. 3 are used for the same processes as in FIG. As a premise of this processing, the server (database) constituting the financial system 20 is not allowed to execute the function of stopping the transfer process by detecting the communication radio wave “the upper limit amount (if the amount is less than the amount, the processing stop function is provided. Information that does not work) ”is also registered. Only differences from FIG. 3 will be described below.

  Step 401 is a process for causing the display unit 103 to display a confirmation screen (input information confirmation screen) after all the inputs related to the transfer procedure have been completed. If there is confirmation input on the screen, go to Step 402. Then, the transfer amount is compared with the upper limit amount. The transfer amount is information obtained in the information input regarding the transfer procedure, and when this is less than the “upper limit amount” registered in advance, the process proceeds to steps 314 and 315 (the processing stop of step 309 is stopped). Do not run). On the other hand, if the transfer amount is equal to or greater than the upper limit amount, the process proceeds to step 403 to determine whether or not a call radio wave has been detected, and the same processing as in FIG. Note that the radio wave detection in step 403 may be “radio wave detection in the entire period from when the transfer is selected until the transfer destination is input” as in the process of FIG. 3, or “transfer is selected. The radio wave detection may be performed during the entire period from when the input of all information is completed. In the process of step 402, communication with the server is performed to determine the comparison with the upper limit amount (the upper limit amount information is acquired from the server in advance by batch processing or the like and stored in the storage unit 102) You may want to keep).

  In the present embodiment, the processing entity is mainly ATM 10 as an example. However, the present invention is not limited to this, and the processing entity is appropriately determined according to the concept of the present invention described above. Can do. For example, most of the processing can be performed on the financial system 20 (server) side (in this case, the ATM functions as the input unit 104 in the above description, and the function of the control unit 101 in the above description is a server). It is also possible to make the financial system 20 (server) side perform only a part of the image. The storage location of various information is the same, and can be appropriately determined according to the concept of the present invention (information that is held on the financial system 20 (server) side in the description may be held in the ATM 10). And vice versa).

  In this embodiment, an example of “detecting radio waves in the entire period from when the transfer is selected until the transfer destination is input” is taken as an example, and according to this, a transfer fraud is relatively accurate (with few malfunctions). However, it is also possible to use something that “stops processing when radio waves are detected after transfer is selected”. It seems that malfunctions occur frequently when something like “stop processing when radio waves are detected even for a moment”, but “stop processing when radio waves are detected for a certain period of time (predetermined time or period of transfer operation) If the ratio of the radio wave detection period with respect to is determined, and if it is less than these, the processing is not stopped), it is possible to suppress malfunction.

  In this embodiment, an example has been described in which a specific account number that has been confirmed to be used for transfer fraud as a safe account is registered, but the attribute information that the transfer destination information has (the attribute is If there is a transfer destination that has no risk of being used for transfer fraud or is determined to be low), and the transfer destination obtained by the transfer operation has the safe attribute information, transfer The stop process may not be performed. For example, it can be evaluated that the current account is unlikely to be used for transfer fraud. Therefore, if the current account is “current account” by setting the attribute information “current account” as safety attribute information. The transfer stop process is not performed.

  FIG. 5 is a block explanatory diagram mainly showing an outline of the configuration of the ATM 70 in the configuration of the automatic transaction system of the present embodiment.

  The overall configuration of the automatic transaction system of the present embodiment is the same as that of the first embodiment (FIG. 1). The remote monitoring center 80 of FIG. 5 corresponds to the monitoring center 40 of the first embodiment. The ATM 70 of this embodiment is provided with a monitoring control unit 72 connected to the remote monitoring center 80 via a network. The monitoring control unit 72 is for enabling the remote monitoring center 80 to control the ATM 70 (external environment investigation device 71). Further, since the monitoring control unit 72 is provided with an operation unit (input interface), the external environment investigation device 71 can be controlled by directly operating the operation unit.

  An external environment investigation device 71 provided in the ATM 70 includes a mobile phone radio wave detection device 711 that detects a radio wave of a mobile phone / PHS, and a wireless LAN that detects a voice call (IP phone) using a wireless LAN and a wireless LAN. A LAN radio wave detection device 712, an image processing device 713 having an image input / recording function / face detection function, etc., and the like, acquisition of environmental information in the vicinity of the ATM 70 (radio wave detection, video acquisition by a surveillance camera), etc. Is to do. The external environment investigation device 71 can be controlled from the remote monitoring center 80 by being connected to the monitoring control unit 72. Although not shown, a human body sensor (for example, an infrared sensor) is installed in the vicinity of the ATM 70 (or built in the ATM), and is configured to be able to detect a visitor. is there.

Here, a signal flowing on the signal line shown in FIG. 5 will be described.
“STR” is the OUTPUT signal on BUS
This is a control signal that instructs to register. Note that “BUS” is a signal line group on which data for exchanging signals with an external device (register) is transmitted by the control unit.
“OE” is a control signal for instructing the CPU to load the contents of the INPUT Register on the BUS in order to capture the contents.
The “CTR signal” is a series of instruction signals that the control unit issues various instructions to the ATM function units.
“01 to 03” are instruction signals for enabling the corresponding mobile, wireless, and monitoring detection functions, respectively, and are instruction signals from the ATM CPU (control unit).
“OP1 to OP3” are instruction signals for enabling the corresponding mobile, wireless, and monitoring detection functions, and are instruction signals from the monitoring control unit 72 (that is, each function on / off by the operator or the monitoring center). Signal based on settings).
“In1 to in3” are signals indicating detection results by the corresponding mobile, wireless, and monitoring detection functions.

  FIG. 6 is a flowchart showing an outline of the processing operation related to the present invention in the ATM 70 of the present embodiment.

  When a visitor is detected by the human body sensor (step 601), a menu screen display process as shown in FIG. 12A is performed (step 602). In the subsequent step 603, the image processing device 713 is caused to turn on the image recording start and face detection functions.

  If the selection made on the menu screen is “transfer”, the process proceeds to “radio wave detection / transfer process suspension process” in step 605, and if it is another selection, The process proceeds to step 606. Note that the point in time when “transfer” is selected corresponds to the software processing point A described later with reference to FIG.

  FIG. 7 is a flowchart showing an outline of the processing operation of the “radio wave detection / transfer process suspension process” in step 605 of FIG.

  When the “radio wave detection / transfer process temporary stop process” is executed, the mobile phone radio wave detection device 711 and the wireless LAN radio wave detection device 712 are instructed to detect radio waves (step 701).

  The processing from step 702 to step 705 is a processing associated with a series of transfer operations to the ATM 70, storing each operation content (step 703), and displaying a confirmation screen for the input content after necessary input is completed. (Step 704) If the confirmation is OK, the process proceeds to Step 706 (Step 705). Note that the point in time when the confirmation of the transfer input content OK is selected corresponds to the software processing point B described later with reference to FIG.

  In step 706, it is determined whether or not a radio wave is detected (signal state of in1 to in2). If it is determined that a radio wave is detected, the processing in steps 707 to 709 is executed.

  In step 707, the transfer process is temporarily stopped, and in the subsequent step 708, a reminder screen as shown in FIG. 12B is displayed, and a report to the remote monitoring center and a report to the bank staff are performed. The notification to the bank staff may be, for example, by sounding a buzzer or turning on a warning light. The bank staff and remote monitoring center staff speak to the customer by reporting, and the customer side contacts the bank staff and remote monitoring center staff based on the alert screen (Fig. 12 (b)). Bank staff and remote monitoring center staff, who are the three parties, directly check with the customer to determine whether there is a risk of wire fraud, and if it is determined that there is no risk of wire fraud, temporary transfer processing By canceling the stop (the release method is the same as in the first embodiment), the ATM 70 receives an instruction for canceling the temporary stop of the transfer process, and the ATM 70 receiving this cancels the temporary stop of the transfer process (step 709). . As a result, whether or not to execute the transfer process is determined based not only on the judgment of the customer but also on the judgment of a third party (bank staff, etc.), so it is possible to prevent the occurrence of damage. is there.

  If it is determined in step 706 that no radio wave has been detected, the processes in steps 707 to 709 are skipped and the “radio wave detection / transfer process suspension process” is terminated (= temporary transfer process). Do not stop).

  Returning to FIG. 6, the description will be continued. When the “radio wave detection / transfer process suspension process” is completed (or when the transaction is not “transfer”), the processes of Steps 606 to 607 are executed. This process is a process associated with a series of operations on the ATM 70 (process for each transaction of the conventional ATM). When the process ends (one procedure ends), the process proceeds to step 608.

  In step 608, it is determined whether or not a face has been detected by the face detection function of the image processing device 713 (in3 signal state). If it is determined that no face has been detected, the processing in steps 609 to 612 is performed. Let it run.

  In step 609, processing for saving the recorded image of the surveillance camera recorded from step 603 is performed. In the subsequent step 610, it is determined whether or not the image transfer to the remote monitoring center 80 is possible. If the image transfer is possible, a process of transferring the recorded image of the monitoring camera to the remote monitoring center 80 is performed (step 611). “Possibility of image transfer to the remote monitoring center 80” is predetermined as a function setting for the apparatus. If transfer is impossible, measures such as image confirmation are taken as necessary by batch processing or the like.

  In step 603, recording (and face detection) is started, and after the process ends (one procedure ends), it is determined whether or not face detection has been performed so far (step 608), and a face is detected. If it is not performed (= it is assumed that the ATM is operated with the face hidden), the video is transmitted to the remote monitoring center, which is effective for finding a suspicious person. Note that the recorded image of the surveillance camera may be stored regardless of the presence or absence of face detection. When face detection is performed, the recorded image may be deleted.

  In step 612, all the instruction signals turned on in step 603 and step 701 (FIG. 7) are reset. In the subsequent step 613, the process shifts to the standby mode and the process is terminated (the process from step 601 is repeated by the next visitor).

  FIG. 8 is a functional block diagram for explaining the outline of the configuration and operation of the mobile phone radio wave detection device 711. FIG. 9 is also a time chart for explaining the outline of the operation of the cellular phone radio wave detection device 711.

  FIG. 8 shows an example in which there are a plurality of receiving antennas, but one receiving antenna may be shared. An output obtained by inputting the signal obtained from the antenna 7111 and the detection unit 7112 and the “reference level signal” to the comparator 7113, the OP-1 signal, and the 01 signal are inputted to the AND circuit 7114. That is, OP-1 is at a high level (function-on instruction signal from the monitoring control unit 72), and 01 is at a high level (on by the processing of step 701 in FIG. 7). A count-up instruction signal that is “true (high level)” when the reference level is exceeded is obtained (see the description on the lower left of FIG. 8). The counter 7115 to which the count-up instruction signal and the Clock signal are input counts the Clock signal when the count-up instruction signal is a high level signal, and outputs an overflow when the count signal exceeds a specified value (FIG. 8). (See explanation below in the middle). Accordingly, when a radio wave is continuously detected for a specified time or longer, a high level signal as an overflow signal is input to the OR circuit 7116. The overflow signal from the circuit of the plurality of antennas 7111 to 7115 for each frequency band is input to the OR circuit 7116, whereby the latch circuit (flip-flop) 7117 is set. That is, the latch circuit 7117 is set when a radio wave is continuously detected for a predetermined time or more during the transfer process in any frequency band. Note that the description in the case where an integrating circuit is used instead of the counter 7115 is that in the lower right of FIG.

  The latch circuit 7117 is for storing that a portable radio wave having a strength of a specified value or more is detected for a certain time or more during the transfer process. As a result, even when the mobile phone is disconnected during the transfer process, an accurate determination can be made when the radio wave detection is determined in step 706. When the transfer process is not in progress, that is, when the 01 signal is at a low level (a high level is input to the latch circuit by the NOT circuit), a low level is output as an in-1 signal, while the transfer process is performed. When the latch circuit 7117 is set (high level input to “Set”) in the middle (“Reset” is low level input), the in-1 signal that is the output signal is high level.

  The operation of the cellular phone radio wave detection device 711 will be further described with reference to the time chart of FIG.

  The 01 signal is turned on by the process in step 605 (step 701 in FIG. 7) in FIG. 6 (software processing point A) and turned off by the process in step 612. That is, the 01 signal is turned on while processing is performed by performing a transfer operation on the ATM.

  As described above, the overflow signal does not become high level unless the count-up instruction signal is high level for the “predetermined period” or longer (if radio waves are not continuously detected), and is thus generated by periodic communication with the base station. In the radio wave detection in a short time, the in-1 signal does not become high level (upper side in FIG. 9). On the other hand, when the count-up instruction signal is at the high level for the “specified period” or longer, the overflow signal is output, so the in−1 signal is also output at the high level. If the in-1 signal is output at the high level at the software processing point B in step 706 in FIG. 7, it is determined that “a call has been detected during the ATM transfer operation” and the process proceeds to step 707. It becomes. On the other hand, when the in-1 signal is at a low level at the software processing point B, steps 707 to 709 are skipped. 8 and 9 have been described as the mobile phone radio wave detection device 711, the wireless LAN radio wave detection device 712 is also the same.

  FIG. 10 is a functional block diagram for explaining an outline of the configuration and operation of the image processing apparatus 713. FIG. 11 is a time chart for explaining the outline of the operation of the image processing apparatus 713.

  By inputting the menu screen display instruction signal to the differentiating circuit 7131, the output becomes a pulse waveform output at a high level only when the menu screen is displayed. By inputting this to the flip-flop 7133, the output can be set to 1 (high level) every time the menu screen is displayed. Further, by inputting the output from the face recognition unit 7132 (high level output at the time of face detection) to the flip-flop 7133, the output of the flip-flop 7133 can be set to 0 (low level) when a face is detected. That is, regardless of the previous state, once the menu screen is displayed, the output of the flip-flop 7133 is 1 and when the face is detected, the output is 0 (in other cases, the output state is changed). Maintenance). Therefore, 0 is input to the AND circuit 7134 when face detection is performed after the menu screen is displayed and until the next menu screen is displayed, and 1 is input during other periods. .

  By inputting the ATM transaction end signal to the differentiating circuit 7135, the output becomes a pulse waveform output at a high level only at the time of ATM transaction end. By inputting this and the output of the flip-flop 7133 to the AND circuit 7134, the output (in-3) is “at the end of ATM transaction after the menu screen display (operation end) at the end of ATM transaction. When it is determined that face detection has not been performed in between, the level becomes high.

  The operation of the image processing apparatus 713 will be further described with reference to the time chart of FIG.

  The menu screen display outputs a pulse from the differentiating circuit 7131, whereby the output of the flip-flop 7133 becomes a high level (face not detected). Thereafter, when there is a face detection signal from the face recognition unit 7132, the output of the flop 7133 becomes a low level. On the other hand, if there is no face detection signal from the face recognition unit 7132 until the end of the ATM transaction, the output of the flop 7133 remains at a high level (face not detected). Since the image recording unit has been recording from the time of the visitor (step 603), when the output of the flop 7133 is at the high level at the end of the ATM transaction, the processing from step 609 to step 611 is executed. It becomes.

  In the present embodiment, the external environment investigation device has been described as an example including three devices including a mobile phone radio wave detection device 711, a wireless LAN radio wave detection device 712, and an image processing device 713. It is not necessary to have all of them, and they may be configured alone or in any combination.

  Further, the mutual configuration of the ATM main body, the monitoring control unit, and the external environment investigation device is not limited to that shown in FIG. 5 and can be appropriately changed in accordance with the concept of the present invention described above. That is, all of them may be configured as an integrated device, or may be configured by joining a plurality of further subdivided devices. An example of such is shown in FIGS. FIG. 13 shows an example in which the ATM body and the external environment investigation device are connected via a USB interface, and a part of the processing described in FIGS. 6 to 7 is performed by the CPU on the external environment investigation device side. It is to make. FIG. 14 shows an example in which the radio wave detection device and the logic function are separated. FIGS. 15 to 16 similarly show that the radio wave detection device and the logic function are separated from each other. Is built in or external to the ATM body. In FIGS. 8 and 10, the hardware configuration is described as an example, but it is needless to say that the same function may be realized by software.

  FIG. 17 is a flowchart showing an outline of processing operations different from those in FIG. 7 with respect to the “radio wave detection / transfer process suspension process” in step 605 of FIG.

  The process of FIG. 17 is a process based on the premise that a safe account whose identity has been confirmed is registered in the “suspicious account management center”. The “suspicious account management center” is jointly operated by, for example, a bank association and the like, and a DB and a server in which the safety account is registered are connected to each bank system via a network. In FIG. 17, the same reference numerals are used for the same processing concept as in FIG. 7, and the description thereof will be omitted. Hereinafter, differences from FIG. 7 will be mainly described.

  When the transfer processing operation is completed (step 705) and radio waves are detected (step 706), communication with the suspicious account management center is performed (step 1701), and the transfer destination account input in the transfer processing operation is the safety account. It is determined whether or not (step 1702). If it is determined that the safety account is registered as a result of the determination, there is no risk of transfer fraud (or low), so the “radio wave detection / transfer process suspension process” is finished (= temporary transfer process) Do not stop).

  On the other hand, as a result of the inquiry to the suspicious account management center, if it is determined that the account is not safe (step 1702), the transfer is by cash or by account transfer based on the information input in the transfer processing operation. (Step 1703), and if it is an account transfer, the processing from step 1704 to step 1706 is executed.

  In step 1704, it is determined whether or not the surname of the transferee account holder is the same as the surname of the transfer source account (step 1704). ) Is displayed on the screen (step 1705). If the result of the input is a transfer to a relative (step 1706), the “radio wave detection / transfer process suspension process” is terminated. (= Do not pause the transfer process). On the other hand, when it is a cash transfer (step 1703), when the last name of the transfer destination and the transfer source is different (step 1704), when the last name is the same, but not a relative (step 1706), step The processing from step 707 to step 709 is executed.

  As described above, according to the processing of FIG. 17, when the account registered as a safe account in the suspicious account management center is a transfer destination, or the surname of the transfer destination and the transfer source is the same by account transfer, When there is an input that the person is a relative, there is no (or low) risk of transfer fraud, and the transfer process is not temporarily stopped, which is excellent in convenience.

  If a bank employee or remote monitoring center employee who has confirmed directly with the customer after receiving the report in step 708 determines that there is a suspicion of wire fraud, he / she can report the account information to the suspicious account management center. The suspicious account management center manages this, and confirms the identity of the account owner for each such suspicious account. If the result confirms the safety, it registers it as a safety account. On the other hand, an account determined to be dangerous is registered as a bad account and notified to each financial institution so that the necessary processing such as freezing of the account is performed in the financial institution receiving the account. By doing in this way, each organization cooperates and generation | occurrence | production of a transfer fraud can be suppressed effectively.

  As the embodiments, the description has been divided into the first embodiment and the second embodiment. However, it does not mean that each of the embodiments should be independent, but the configuration and function of each embodiment are interchanged according to the purpose of the above description. Or it can be integrated.

The block diagram which shows the outline of the whole picture of the configuration of the automatic transaction system Block diagram showing the outline of the configuration of ATM (automatic transaction equipment) Flowchart showing an outline of the processing operation of the ATM according to the present invention A flowchart showing an outline of another processing operation of the ATM according to the present invention. Block explanatory drawing which shows the outline of the structure of ATM mainly in the structure of an automatic transaction system The flowchart which showed the outline of the processing operation regarding the present invention of ATM of Example 2 Flowchart showing the outline of the processing operation of “Radio wave detection / transfer process suspension process” Functional block diagram of mobile phone signal detector Time chart for explaining the operation of mobile phone radio wave detector Functional block diagram of image processing apparatus Time chart for explaining operation of image processing apparatus Example of screen displayed on ATM Another block explanatory diagram mainly showing the outline of the structure of ATM Another block explanatory diagram mainly showing the outline of the structure of ATM Another block explanatory diagram mainly showing the outline of the structure of ATM Another block explanatory diagram mainly showing the outline of the structure of ATM Flow chart showing the outline of the processing operation of another "Radio wave detection / transfer process suspension process"

Explanation of symbols

1 Automatic transaction system 10.70 ATM (automatic transaction equipment)
11 Radio wave detection device 20 Financial system 21, 31, 41 PC (information processing device for supervisor)
50 network 60 mobile phone (wireless communication device)
DESCRIPTION OF SYMBOLS 101 Control part 102 Memory | storage part 103 Display part 104 Input part 105 Communication part 711 Mobile telephone radio wave detection apparatus 712 Wireless LAN radio wave detection apparatus 713 Image processing apparatus

Claims (2)

An automatic transaction system in which an automatic transaction apparatus and a financial system are connected via a network to enable transfer by an automatic transaction apparatus,
A radio wave detection device for detecting communication radio waves of a wireless communication device is connected to the automatic transaction device and installed in the vicinity thereof or built in the automatic transaction device, and the transfer is selected on the transaction content selection screen in the automatic transaction device In this case, if a communication radio wave is detected by the radio wave detection device after the time when the selection is made and before the input of the transfer destination information is completed , the transfer process of the automatic transaction device is stopped. Let
The transfer process stop process is executed only when communication radio waves are continuously detected by the radio wave detection device in the entire period from when the transfer is selected until the input of the transfer destination information is completed,
When the transfer process stop process is executed, the automatic transaction apparatus or the financial system temporarily stores information obtained by the transfer operation performed on the automatic transaction apparatus, thereby automatically When a suspension cancellation command for canceling the suspension of the transfer process for the transaction apparatus or the financial system is input, the suspension of the transfer process is canceled and temporarily stored in the automatic transaction apparatus or the financial system An automatic transaction system characterized in that the transfer process can be continuously executed based on information . An automatic transaction apparatus that is capable of performing a transfer procedure by being connected to a financial system via a network, and includes a control unit, a storage unit, a display unit, an input unit, and a communication unit, Transaction content displayed on the display unit when a radio wave detection device for detecting communication radio waves of a wireless communication device is connected to the automatic transaction device and installed in the vicinity thereof or built in the automatic transaction device When the transfer selection is made in the input unit on the selection screen, communication radio waves are detected by the radio wave detection device after the selection and until the input of the transfer destination information is completed. In this case, the control unit stops the transfer process ,
In the entire period from the time when the transfer is selected until the input of the transfer destination information is completed, the control unit determines whether or not the communication radio wave is continuously detected, and as a result of the determination, The transfer process is stopped only when communication radio waves are detected for the entire period,
When the transfer process stop process is executed, the information obtained by the transfer operation performed on the automatic transaction apparatus is stored in the storage unit to temporarily cancel the transfer process stop. When the stop cancellation command is input from the input unit or when the transfer processing temporary stop cancellation command is received from the financial system, the transfer processing stop processing is canceled and stored in the storage unit An automatic transaction apparatus characterized in that a transfer process can be continuously executed based on information .

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