JP5260377B2 - Automatic deposit payment machine and its transfer deterrence method - Google Patents

Description

  The present invention relates to a technology for suppressing fraud using an automatic deposit payment machine.

  In recent years, an automatic teller machine (hereinafter abbreviated as ATM) used in financial institutions can provide not only cash deposits and payments but also various services to users. Is also available. As described above, while convenient ATM services are provided for users, crimes that misuse services are increasing.

  As a typical fraud, there is known a method of transferring a deposit to a predetermined account while guiding a user with a mobile phone. Normally, an ATM service advances a procedure by pressing a selection unit (button display) displayed on the screen in accordance with an operation guide of an operation display unit provided in the ATM. Therefore, criminals who are familiar with the service guide users to transfer operations from their mobile phones by taking advantage of the fact that users are unfamiliar with ATM transfers, or by making users cleverly use words. . Under such circumstances, since it is difficult for the user to notice that he / she is in a scam, it is easy to transfer money as the criminal says on the mobile phone.

In view of this, there has been a proposal for detecting the use of a mobile phone by detecting radio waves generated while using the mobile phone, and calling attention to the ATM screen.
In addition, a proposal has been made to disable the use of a mobile phone by installing a device that generates radio waves that disturb the mobile phone's radio waves in the vicinity of the ATM.

  However, in order to detect and transmit radio waves, it is necessary to prepare expensive equipment, and installation of radio base stations requires installation procedures for wireless base stations. There is a problem that the cost is high. In addition, Patent Documents 1 and 2 have been proposed.

JP-A-6-5401 WO98 / 43784 Publication

  Automatic deposit payment, which was made in view of the above circumstances, and prevents fraudulent acts of misuse of mobile phones by preventing the use of mobile phones during the transfer process using an automatic deposit machine The purpose is to provide a machine.

  The automatic teller machine which is one of the aspects of the present invention includes a user detection unit and an operation control unit. While the user is using the automatic teller machine, the user detection unit restrains one of the user's hands and can only operate the automatic teller machine with the other free hand. Arranged in position. The operation control unit enables the user to operate the transfer procedure of the automatic teller machine while detecting that the user's hand is continuously in contact with the user detection unit.

With the above configuration, fraudulent acts of misusing a mobile phone can be suppressed by preventing the mobile phone from being used during the transfer procedure by the automatic deposit machine.
Further, when the main control unit of the operation control unit detects that the user's hand is continuously in contact with the user detection unit, the operation of the transfer procedure is enabled, and the main control unit is operated by the user. The transfer procedure may be permitted while detecting that the user's hand is continuously in contact with the detection unit.

  In addition, when the operation control unit detects that the user's hand is not in contact with the user detection unit during the transfer procedure, the user controls the transfer procedure recorded in the recording unit. The input data may be deleted and re-input may be requested.

  It is possible to prevent fraudulent acts by misusing the mobile phone by making it impossible to use the mobile phone during the transfer procedure by the automatic deposit payment machine.

1 is a block diagram illustrating a configuration of an ATM according to Embodiment 1. FIG. FIG. 3 is a diagram illustrating an appearance of an ATM operation unit of the ATM according to the first embodiment. FIG. 3 is a flowchart showing the operation of the ATM according to the first embodiment. It is a block diagram which shows the structure of ATM of Example 2. FIG. FIG. 6 is a diagram illustrating an appearance of an ATM operation unit of an ATM according to a second embodiment. FIG. 10 is a flowchart showing the operation of the ATM according to the second embodiment. It is a block diagram which shows the structure of ATM of Example 3. FIG. FIG. 6 is a diagram illustrating an appearance of an ATM operation unit of an ATM according to a third embodiment. FIG. 10 is a flowchart showing the operation of the ATM according to the third embodiment. It is a block diagram which shows the structure of ATM of Example 4. FIG. It is a figure which shows the external appearance of the ATM operation part of ATM of Example 4. FIG. It is a block diagram which shows the structure of a voice guidance unit. It is a flowchart which shows operation | movement of ATM of Example 4. It is a figure which shows the structural example of a pushbutton switch. A is a perspective view. B is a cross-sectional view before the push button switch is pressed. C is a cross-sectional view when the push button switch is pressed.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
Example 1
FIG. 1 shows the configuration of the ATM according to the first embodiment. The ATM 1 includes an ATM control unit 2, an ATM operation unit 3, and an ATM mechanism processing unit 4.

  The ATM control unit 2 includes a main control unit 5, a recording unit 6, a communication control unit 7, and an IO control unit 8, and controls the ATM operation unit 3 and the ATM mechanism processing unit 4. The main control unit 5 is a control unit using a CPU or a programmable device, and executes a program and controls the recording unit 6, the communication control unit 7, and the IO control unit 8. The recording unit 6 is a memory such as a RAM, a ROM, and a hard disk, for example, and records the calculation results of the main control unit 5 and data related to the ATM operation unit 3 and the ATM mechanism processing unit 4. It can also be used as a work area. The communication control unit 7 controls communication when performing communication with the outside. For example, when acquiring data related to a user's savings and the like, communication control is performed with a database in which user information provided outside is stored. The IO control unit 8 includes an input / output port for connecting to the ATM operation unit 3, the ATM mechanism processing unit 4, and the like, and transmits and receives data to and from the ATM operation unit 3, the ATM mechanism processing unit 4, and the like.

  The ATM operation unit 3 is a human interface unit for receiving input and withdrawal of information necessary for the user to operate the ATM 1. The operation display unit 9 is, for example, a display provided with a touch panel, and displays a screen on which a user inputs necessary information. The user detection unit 10 restrains one of the user's hands while the user is using the ATM so that the operation of the ATM can be used only with the other free hand. . Further, the user detection unit 10 is arranged so that the ATM operation of the ATM operation unit 3 can be performed only with one hand. This arrangement prevents the user from using the ATM while using the mobile phone. The user detection unit 10 is, for example, a push button switch.

  The ATM mechanism processing unit 4 includes a banknote processing unit 11, a coin processing unit 12, a passbook processing unit 13, and a card / receipt processing unit 14. The banknote processing unit 11 is a unit that stores and manages banknotes. The coin processing unit 12 is a unit that stores and manages coins. The passbook processing unit 13 is a unit that performs processing such as user passbook entry. The card / receipt processing unit 14 is a unit having a mechanism for reading information related to the user identification number recorded on the cash card and a mechanism for issuing a receipt to the user.

  FIG. 2 shows an arrangement of the user detection unit 10 provided in the ATM. For example, the user detection unit 10 is provided around the operation display unit 9 of the ATM operation unit 3. Preferably, it is desirable to provide in the vicinity of either one of both ends of the side 22 facing the side 21 on the user side (arrow) of the operation display unit 9.

(Description of operation)
FIG. 3 is a flowchart showing the operation of ATM1.
In step S <b> 1, the user selects a transfer procedure with reference to the screen displayed on the operation display unit 9 of the ATM operation unit 3. When the transfer procedure is selected, the main control unit 5 is notified via the IO control unit 8 that the transfer procedure has been selected. When this notification is acquired, the main control unit 5 generates a notification for instructing the user to insert a cash card, and notifies the operation display unit 9 via the IO control unit 8. When the operation display unit 9 acquires this notification, it displays on the screen a prompt to insert the cash card into the card / receipt processing unit 14.

  In step S <b> 2, the user inserts a cash card into the card / receipt processing unit 14. When information (for example, magnetic data) recorded on the cash card read by the card / receipt processing unit 14 is notified to the main control unit 5 via the IO control unit 8, an external (host) is based on the information. The related information is acquired from the database in which the user information of the computer is stored, and the identity of the user is confirmed. Thereafter, the main control unit 5 notifies the operation display unit 9 in order to display a screen necessary for the transfer procedure.

In step S3, the operation display unit 9 acquires the notification and displays guidance for pressing the push button switch (user detection unit 10).
In step S4, the main control unit 5 determines whether or not the push button switch has been pressed. If it is determined that the button has been pressed, the process proceeds to step S5 and step S6. It is notified from the push button switch (user detection unit 10) provided on the ATM operation unit 3 to the main control unit 5 through the IO control unit 8 whether or not it has been pressed. Thereafter, screens necessary for the transfer procedure are sequentially displayed (steps S6 to S11).

Next, steps S5 and S14 to S16 for monitoring that the user keeps pressing the push button in parallel with the processing of steps S6 to S11 are activated.
In steps S5 and S5a, the main control unit 5 determines whether or not the push button switch (user detection unit 10) is continuously pressed.

  In step S5, the main control unit 5 determines whether the user is executing the processes in steps S6 to S11 while pressing the push button switch. If the process in steps S6 to S11 is being performed, the process proceeds to step S5a. (Yes), if it is not in the process of step S6-S11, it will transfer to step S12 (No).

  In step S5a, the main control unit 5 determines whether the push button switch (user detection unit 10) is continuously pressed. The main control unit 5 determines whether the user is executing the processes of steps S6 to S11 while pressing the push button switch. If the push button switch is not pressed, the main control unit 5 proceeds to step S14 (No). If it has been pressed, the process proceeds to step S5 (Yes). In addition, if the process of step S6 to S11 is completed, it will transfer to step S12.

  In step S6, a selection screen for the transfer destination financial institution is displayed on the operation display unit 9. When the user selects the transfer destination financial institution, the main control unit 5 is notified that selection with the transfer destination financial institution has been completed. The process proceeds to S7. At this time, the transfer destination financial institution is recorded in the recording unit 6.

  In step S7, the transfer destination branch name selection screen is displayed on the operation display unit 9. When the user selects the transfer destination branch name, the main control unit 5 is notified that the transfer destination branch name and selection have been completed. The process proceeds to S8. At this time, the transfer destination branch name is recorded in the recording unit 6.

  In step S8, a transfer account number input screen is displayed on the operation display unit 9, and when the user inputs the transfer account number, the main control unit 5 is notified that the transfer account number and input have been completed. The process proceeds to S9. At this time, the transfer destination account number is recorded in the recording unit 6.

  In step S9, an account name input screen is displayed on the operation display unit 9. When the user inputs the account name, the main control unit 5 is notified that the account name and input have been completed, and the process proceeds to step S10. At this time, the account name is recorded in the recording unit 6.

  In step S10, a transfer amount input screen is displayed on the operation display unit 9. When the user inputs the transfer amount, the main control unit 5 is notified that the transfer amount and input have been completed, and the process proceeds to step S10. At this time, the transfer amount is recorded in the recording unit 6.

  In step S11, an input screen for other remarks is displayed on the operation display unit 9. When the user inputs other remarks, the main control unit 5 is notified that the other remarks and input have been completed, and the process proceeds to step S12. To do. At this time, information input in other remarks is recorded in the recording unit 6.

If the pushbutton switch is not pressed during the processing of steps S6 to S11, the process proceeds to step S14.
In step S12, when the processing up to step S11 is completed, the main control unit 5 notifies the operation display unit 9 of an instruction to display a screen for confirming the input content to the user. The user confirms the screen and selects whether or not to complete the transfer procedure. If the input content is correct (Yes), the transfer procedure is terminated normally and the process proceeds to Step 13. If the input content is incorrect and input again (No), the process proceeds to Step S6.

  In step S13, when the main control unit 5 obtains a notification indicating that the input content has been correctly input from the operation display unit 9, the card / receipt processing unit 14 is instructed to return the cash card, and the user receives the cash card. Perform return processing and end the procedure.

  In step S <b> 14, the main control unit 5 notifies the operation display unit 9 that the push button switch has not been pressed during the processing of steps S <b> 6 to S <b> 11, and displays an alarm on the operation display unit 9. For example, an alarm display such as “The button is not being pressed” is displayed.

  In step S15, the main control unit 5 notifies the recording unit 6 of an instruction to delete the data input in steps S6 to S11. In the recording unit 6, information on the transfer destination financial institution, transfer destination branch name, transfer destination account number, transfer amount, and other remarks are deleted.

In step S16, guidance for re-input is displayed on the operation display unit 9, and the process proceeds to step S6.
As described above, by performing the transfer procedure by continuously pressing the push button, the ATM is operated using both hands, and it becomes impossible to use the mobile phone while operating the ATM. Therefore, the fraud crime which abused the transfer function of ATM in which guidance with a mobile phone is performed can be prevented.

(Example 2)
FIG. 4 is a diagram showing an ATM configuration in which a palm vein sensor 43 is arranged in the ATM operation unit 41. In the second embodiment, a palm vein sensor 43 is disposed in the ATM instead of the user detection unit 10. The palm vein sensor 43 is provided in the ATM operation unit 41 and is connected to the IO control unit 8.

  FIG. 5 shows the arrangement of the palm vein sensor 43 provided in the ATM. For example, it is provided around the operation display unit 9 of the ATM operation unit 41. Preferably, it is desirable to provide in the vicinity of either one of both ends of the side 22 facing the side 21 on the user side (arrow) of the operation display unit 9.

(Description of operation)
FIG. 6 is a flowchart showing the operation of the ATM 40.
In steps S1 and S2, the same processing as in the first embodiment is performed.
In step S61, the card / receipt processing unit 14 further reads the biometric identification information of the user recorded on the cash card, notifies the main control unit 5 of the biometric identification information, and records it in the recording unit 6.

  In step S62, the user is guided to hold the hand over the palm vein sensor 43. The palm vein sensor 43 reads the palm information of the user and notifies the main control unit 5 of the palm vein information.

  In step S63, the main control unit 5 compares the biometric identification information read from the cash card and the palm vein information to confirm the identity. When it is not determined to be the person (No), the process proceeds to step S65. When it can identify with the person (Yes), it transfers to step S64.

  In step S64, the main control unit 5 notifies the operation display unit 9 of information for displaying the approval on the screen. For example, “Please do not move your hand as it is” is displayed on the screen of the operation display unit 9. Thereafter, the process proceeds to step S6.

  In step S65, the main control unit 5 notifies the operation display unit 9 of information for displaying on the screen that it has not been approved. For example, “This card cannot be handled” is displayed on the screen of the operation display unit 9. Then, the process proceeds to step S13.

  In steps S6 to S11, as in the first embodiment, the user who has been identified as the principal continues to input information such as the transfer destination financial institution, branch name, and account number, and completes the process by confirming the contents. Perform processing such as returning a card.

Steps S66 and S66a (monitoring process) are processes for continuously monitoring whether the palm is placed by the palm vein sensor 43.
In step S66, the main control unit 5 determines whether the user is executing the processes of steps S6 to S11 while holding the palm of the hand. If the process of steps S6 to S11 is in progress, the process proceeds to step S66a (Yes). If the processes in steps S6 to S11 are not in progress, the process proceeds to step S12 (No).

  In step S66a, the main control unit 5 determines whether the palm is continuously placed. The main control unit 5 determines whether the user is performing the processes of steps S6 to S11 while holding the hand. If the user does not hold the hand, the main control unit 5 proceeds to step S67 (No). If pressed, the process proceeds to step S66 (Yes). In addition, if the process of step S6 to S11 is completed, it will transfer to step S12.

  In step S67, the main control unit 5 notifies the operation display unit 9 that the palm has been removed from the palm vein sensor 43 during the processing of steps S6 to S11, and displays an alarm on the operation display unit 9. For example, an alarm display such as “the palm is not held up during processing” is displayed.

  Steps S15 and S16 are processes in which, when it is detected that the palm has been removed from the palm vein sensor 43, the information input in the previous steps S6 to S11 is deleted from the recording unit and the data input is prompted again from the beginning. is there.

  In the second embodiment, the ATM is operated using both hands by performing the transfer procedure while holding the palm. In fraud crimes that abuse the ATM transfer function, mobile phone guidance is often used, but since both hands are used to operate the ATM, it becomes impossible to use the mobile phone while operating the ATM. As a result, such fraud can be prevented.

(Example 3)
FIG. 7 is a diagram showing a configuration of an ATM in which a voice guidance handset 74 is arranged in the ATM operation unit 72. In the third embodiment, a voice guidance handset 74 is provided in the ATM instead of the user detection unit 10. It is ATM of the structure provided with the hook switch for detecting whether the handset of the voice guidance handset 74 is the state which has removed.
The voice guidance handset 74 is provided in the ATM control unit 71, connected to the handset hook detection circuit 73, and notifies the main control unit 5 via the IO control unit 8.

  The handset hook detection circuit 73 is a circuit for detecting whether or not the handset for the voice guidance handset 74 is disconnected, and outputs voice to the speaker or the voice guidance handset through the voice switching circuit 45 based on the detection result. The main control unit 5 is connected via the IO control unit 8.

  FIG. 8 shows the arrangement of the voice guidance handset 74 provided in the ATM 70. For example, it is provided around the operation display unit 9 of the ATM operation unit 72. Preferably, it is desirable to provide in the vicinity of either one of both ends of the side 22 facing the side 21 on the user side (arrow) of the operation display unit 9.

(Description of operation)
FIG. 9 is a flowchart showing the operation of the ATM 90.
In steps S1 and S2, the same processing as in the first embodiment is performed.
In step S91, prompting the user to take the handset is displayed on the screen. Information for displaying a screen prompting to take the handset is notified from the main control unit 5 to the operation display unit 9. For example, “Please take a handset” is displayed on the screen of the operation display unit 9. Thereafter, the process proceeds to step S92.

  In step S92, the handset hook detection circuit 73 detects whether or not the user has raised the handset (hooked off). If detected, the process proceeds to step S6.

In steps S6 to S11, information such as the transfer destination financial institution, branch name, and account number is input, the processing is completed by confirming the contents, and processing such as returning a cash card is performed.
Further, in parallel with the processes of steps S6 to S11, the process of step S93 for monitoring that the user continues to hold the handset is activated.

Steps S93 and S93a (monitoring process) are processes for monitoring whether or not the handset hook detection circuit 73 is detected to be off.
In step S93, the main control unit 5 determines whether or not the processing in steps S6 to S11 is being performed while using the voice guidance handset 74. If the processing in steps S6 to S11 is in progress, the process proceeds to step S93a ( Yes), if the process of steps S6 to S11 is not in progress, the process proceeds to step S12 (No).

  In step S93a, the main control unit 5 monitors and determines whether or not the handset hook detection circuit 73 is continuously detected. The main control unit 5 determines whether or not the user is executing the processing of steps S6 to S11 while using the voice guidance handset 74. If the user does not use the voice guidance handset 74, the main control unit 5 proceeds to step S94 ( No). If it is used, the process proceeds to step S93 (Yes). In addition, if the process of step S6 to S11 is completed, it will transfer to step S12.

  In step S94, the main control unit 5 notifies the operation display unit 9 that the voice guidance handset 74 has been returned during the processing of steps S6 to S11, and displays an alarm on the operation display unit 9. For example, an alarm display such as “Handset returned during transaction” is displayed.

  Steps S15 and S16 are processes in which when the handset hook detection circuit 73 detects ON, the information input in the previous steps S6 to S11 is deleted from the recording unit, and data input is prompted again from the beginning.

  According to the third embodiment, the ATM is operated using both hands by holding the handset and performing the transfer procedure. In fraud crimes that abuse the ATM transfer function, mobile phone guidance is often used, but since both hands are used to operate the ATM, it becomes impossible to use the mobile phone while operating the ATM. As a result, such fraud can be prevented.

In addition, the inducer (the person who induces the transaction using the mobile phone / criminal) confirms the transaction status by listening to the guidance voice of the ATM flowing through the mobile phone. .
Therefore, when the transfer procedure is selected, for example, “Speech guidance is performed from the handset” is displayed on the screen of the operation display unit 9. Then, the output destination of the voice guidance is switched from the speaker provided in the ATM to the handset. Thereafter, voice guidance is output from the handset. After the input of various data associated with the above transfer procedure is completed, the cash card may be returned to switch the voice guidance output destination from the handset to the speaker.

Example 4
FIG. 10 is a diagram illustrating a configuration of the ATM 110 in which the voice guidance unit 114 is arranged in the ATM operation unit 112. In the fourth embodiment, a voice guidance unit 114 is provided in ATM instead of the user detection unit 10.

  The voice guidance unit control circuit 113 is provided in the ATM control unit 111 and is connected to the voice guidance unit 114 to control the voice guidance unit 114. The voice guidance unit control circuit 113 is connected to the main control unit 5 via the IO control unit 8.

The voice guidance unit 114 is a unit that outputs a voice with the content “Please press this button during the transfer procedure”.
FIG. 11 shows the arrangement of the voice guidance unit 114 provided in the ATM 110. For example, it is provided around the operation display unit 9 of the ATM operation unit 112. Preferably, it is desirable to provide in the vicinity of either one of both ends of the side 22 facing the side 21 on the user side (arrow) of the operation display unit 9.

FIG. 12 is a diagram showing the configuration of the voice guidance unit 114. The voice guidance unit 114 receives voice output control from the ATM control unit 111.
A main control unit 131, a control unit using a CPU or a programmable device, executes a program to be described later, a recording unit 132, an audio data recording unit 133, an audio output circuit 134, a speaker 135, an ATM control interface 136, a push button The detection circuit 137 and the push button switch 138 are controlled. The recording unit 132 is, for example, a memory such as a RAM, a ROM, and a hard disk, and records the calculation result of the main control unit 131 and data of other circuits. The voice data recording unit 133 records voice data necessary for voice guidance. The audio output circuit 134 is a circuit that converts audio data into analog data, adjusts the volume, etc., and outputs the result to the speaker 135. The ATM control interface 136 is connected to the voice guidance unit control circuit 113 and is an interface for performing transmission / reception with the voice guidance unit control circuit 113. The push button detection circuit 137 is a circuit that detects that the push button switch 138 is pushed.

(Description of operation)
FIG. 13 is a flowchart showing the operation of the ATM 11.
In steps S1 and S2, the same processing as in the first embodiment is performed.
In step S141, voice guidance for the user is started. The voice guidance unit control circuit 113 receives an instruction for voice guidance from the main control unit 5 and outputs an ON signal to the voice guidance unit 114.

In steps S6 to S11, information such as the transfer destination financial institution, branch name, and account number is input, the processing is completed by confirming the contents, and processing such as returning a cash card is performed.
Further, in parallel with the processing of steps S6 to S11, the processing of steps 146 to 147 for monitoring that the user keeps pressing the push button switch 138 is executed.

  In step S142, after confirming the input data in step S12, the voice guidance unit control circuit 113 notifies the voice guidance unit 114 of an OFF signal and stops voice guidance.

In step S143, the main control unit 5 is notified that the transfer procedure has been completed.
In step S144, when the voice guidance unit 114 receives an ON signal from the voice guidance unit control circuit 113, the process proceeds to step S145. In other cases, the process proceeds to a waiting state in order to receive the ON signal.

  In step S145, the voice guidance unit 114 uses the internal voice data and the speaker, and outputs, for example, a voice of “Please press this button during the transfer procedure”. When the push button switch 138 is pressed, the operation of stopping the sound is repeatedly executed.

  In step S146, the main control unit 5 determines whether or not the processing of steps S6 to S11 is being performed. If the processing is in progress, the process proceeds to step S146a (Yes), and if not, the process proceeds to step S12 ( No).

  In step S146a, the pressing state of the push button switch 138 mounted on the voice guidance unit 114 is monitored. If the push button switch 138 is not pressed during the processes of steps S6 to S12, the process proceeds to step S147. If the push button switch 138 is pressed and the processing up to step S12 is completed, the process proceeds to step S142.

  In step S 147, the voice guidance unit 114 uses the internal voice data and the speaker, and outputs, for example, a voice of “Please press this button during the transfer procedure”. When the push button switch 138 is pressed, the operation of stopping the sound is repeatedly executed.

  According to the fourth embodiment, during the data input associated with the transfer procedure, the push button switch 138 mounted on the voice guidance unit 114 is guided to continue to be pressed, thereby inducing the push button to be pressed. By performing the transfer procedure while holding down the push button, the ATM is operated using both hands.

  In fraud crimes that abuse the ATM transfer function, mobile phone guidance is often used, but since both hands are used to operate the ATM, it becomes impossible to use the mobile phone while operating the ATM. As a result, such fraud can be prevented.

On the other hand, the procedure can be continued without pressing the push button, but it is possible to appeal to the staff and other users at the ATM corner that both hands cannot be used, and criminal acts are being carried out. Can inform it.
In particular, the fourth embodiment has an effect that the function can be realized only by adding a voice guidance unit to the standard ATM configuration (hardware / software).

(Modification 1)
FIG. 14A is a perspective view showing an example of a push button switch. 14B and 14C are cross-sectional views of the truncated pyramid user detection unit 140 shown in FIG. 14A taken from dd ′. In the example of FIG. 14, a hole 142 for accommodating a cylindrical push button switch 141 is disposed from the top surface of the pyramid of the truncated pyramid toward the bottom surface of the pyramid. When the push button switch 141 is pressed, the head of the push button switch 141 sinks into the hole 142.

  By adopting the above structure, it is possible to prevent the user from easily pressing the push button switch 141 by a method other than pressing the push button switch 141 by hand (for example, placing a bag or the like on the push button switch 141). it can.

Note that the structure shown in FIG. 14 is not limited as long as the push button switch 141 cannot be pushed easily.
With the above configuration, it is possible to realize a deterrent effect against fraudulent acts that misuse the transfer procedure, which has become a social problem, with a simple configuration and no cost.

(Modification 2)
The inducer (the person / criminal who induces the transaction using the mobile phone) confirms the transaction status by listening to the guidance voice of the ATM flowing through the mobile phone.
Generally, an ATM has a function of guiding a user by voice. When the user approaches the ATM, a voice guidance such as “Come on ...” is given. The user selects a transfer process (in the embodiment, a process of transferring from the user's own account to another account) from the transaction items displayed on the screen. When the transfer transaction is selected, the ATM performs control so that voice guidance is not performed thereafter. In general, ATM guidance voices are transmitted by transferring voice data to a voice circuit built in the main control unit. Therefore, whether guidance voices are output or not can be switched by control of ATM control software. is there.

  After completing the input of various data related to the transfer, the cash card will be returned, but the voice output control will be resumed and the user will be informed of "Thank you for using ..." Output audio.

With the above configuration, it is possible to realize a deterrent effect against fraudulent acts that misuse the transfer procedure, which has become a social problem, with a simple configuration and no cost.
The present invention is not limited to the above-described embodiment, and various improvements and modifications can be made without departing from the gist of the present invention.

1, 40, 70, 110 ATM
2, 71, 111 ATM control unit 3, 41, 72, 112 ATM operation unit 4 ATM mechanism processing unit 5 main control unit 6 recording unit 7 communication control unit 8 IO control unit 9 operation display unit 10, 140 user detection unit 11 Unit 12 Unit 13 Unit 14 Unit 43 Palm vein sensor 73 Handset hook detection circuit 74 Audio guidance handset 75 Audio switching circuit 76, 135 Speaker 113 Audio guidance unit control circuit 114 Audio guidance unit 131 Main control unit 132 Recording unit 133 Audio data recording Part 134 voice output circuit 136 ATM control interface 137 push button detection circuit 138 push button switch 141 push button switch 142 hole

Claims (10)

While the user is performing a transfer procedure using an automatic teller machine, one of the user's hands is restrained and the automatic teller machine can be operated only with the other free hand. A user detection unit disposed at a position;
An operation that allows the user to operate a transfer procedure of the automatic teller machine while detecting that either one of the user's hands is continuously in contact with the user detection unit. A control unit;
An automatic teller machine, comprising:   When the main control unit of the operation control unit detects that the user's hand is continuously in contact with the user detection unit, the operation of the transfer procedure is enabled, and the main control unit detects the user detection unit. The automatic teller machine according to claim 1, wherein the transfer procedure is permitted while it is detected that the user's hand is continuously in contact with the cash.   When the operation control unit detects that the user's hand is not in continuous contact with the user detection unit during the transfer procedure, the user in the transfer procedure recorded in the recording unit 3. The automatic teller machine according to claim 2, wherein the input data input by the user is deleted and the re-input is requested.   The automatic teller machine according to any one of claims 1 to 3, wherein the user detection unit is a push button switch.   The automatic teller machine according to any one of claims 1 to 3, wherein the user detection unit is a palm vein sensor.   The operation control unit compares the palm vein information acquired by the palm vein sensor with the biometric identification information recorded in the recording unit in advance, and confirms the identity of the user and enables the transfer procedure. The automatic teller machine according to claim 5. And the voice switching circuit for switching the output destination of the audio guide,
A handset hook detection circuit unit for detecting that the handset hook of the voice guidance handset is off,
If the interest for the user selects the transfer procedure, Ru switch the voice guidance output destination to the audio guide for the handset,
Cash automatic teller machine, characterized in that.   The automatic teller machine according to any one of claims 1 to 3, further comprising a voice guidance unit that prompts a user to contact the user detection unit continuously by voice. Voice guidance output means for performing operation guidance for the user;
The automatic cash deposit payment according to any one of claims 1 to 3, wherein, when the user selects a transfer procedure, voice guidance is stopped for the user and only guidance display on an operation screen is performed. Machine. While the user is performing a transfer procedure using an automatic teller machine, one of the user's hands is restrained and the automatic teller machine can be operated only with the other free hand. A user detection unit disposed at a position;
When it is detected that any one hand of the user is continuously in contact with the user detection unit, the operation of the transfer procedure is enabled.
While detecting that either one of the user's hands is continuously in contact with the user detection unit, the transfer procedure is permitted,
When it is detected during the transfer procedure that any one of the user's hands is not continuously in contact with the user detection unit, the user is in the transfer procedure recorded in the recording unit. A method of suppressing the transfer of an automatic teller machine, wherein the input data is deleted and a re-input is requested.