JP5501756B2 - Transfer card issuing system - Google Patents

Description

  The present invention relates to a transfer card issuance system that makes it possible to easily execute a transfer transaction in an automatic teller machine, and in particular, attempts to prevent or execute fraudulent acts that misuse transfer cards. The present invention relates to a transfer card issuing system for identifying things.

  2. Description of the Related Art Conventionally, an automated teller machine (ATM) used in a financial institution can deposit and pay cash by a customer's own operation. Crimes using this convenience are increasing, and systems for preventing such crimes have been developed (see, for example, Patent Documents 1 and 2).

  In addition, automatic teller machines are not only capable of depositing and paying cash, but are also capable of transferring money, and are becoming increasingly multifunctional. On the other hand, crimes that misuse the transfer function are also increasing. Recently, crimes targeting the account transfer function are regarded as a problem. This crime has become a social problem, and a solution is required. For example, a method of transferring a deposit to a predetermined account while guiding a user with a mobile phone is used as a criminal technique for abuse of a transfer transaction function of an automatic teller machine. This is a fraudulent act that is directed to an unfamiliar user who has never made a transfer with an automatic teller machine and is guided by a mobile phone or the like. Recently, the technology to prevent the use of mobile phones is spreading, and it is expected that the technique will change anew, but automatic cash dispensers, which are unmanned machines, will continue to be used for fraud crimes The possibility is very high.

  By the way, the transfer transaction with the automatic teller machine is similar to other transactions with the automatic teller machine by combining the display screen for users and the touch panel combined with that screen as input means, and operating the screen. Follow the guidance and proceed with the transaction by pressing the button displayed on the screen. However, since there are many input items in the transfer transaction, a transfer card may be prepared for the purpose of simplifying the operation. If this transfer card is used, data is recorded on the transfer card, and the transfer process can be performed without inputting from the screen by simply inserting the transfer card into the automatic teller machine. In other words, by issuing a transfer card that records the information of the user who is the transfer requester and the account information of the transfer destination to the user, by using this transfer card, at the time of transfer transaction with an automatic teller machine The input operation is simplified.

  Therefore, when considering what functions are abused from the viewpoint of fraud using the automatic teller machine, fraud using a transfer card is also conceivable. For example, the current assumption is that a person who is trying to make a transfer fraud creates a transfer card that is set to transfer money to his / her account, sends the transfer card to the target (victim), and performs the transfer It can be considered. As mentioned above, using a transfer card simplifies data entry to an automated teller machine, so if you use the transfer card function, the victim himself / herself transfers the cash without using a mobile phone. It is expected that

JP 2003-196710 A JP 2007-334682 A

However, there is a problem that there is no system for preventing the transfer fraud using the transfer card as described above.
The present invention has been made in view of the above-described circumstances, and is a transfer card for identifying a fraudulent act that misuses a transfer card or that attempts to execute a fraudulent action with a low-cost and simple configuration. The purpose is to provide a publishing system.

The present invention employs the following configuration in order to solve the above problems.
That is, according to one aspect of the present invention, the transfer card issuing system of the present invention is a transfer card issuing system including an automatic teller machine and an image recording server connected to each other via a network.

  The automatic teller machine includes a security code generating means for generating a security code uniquely determined from the input transfer requester information, and the input transfer requester information and the input payee account information. A transfer card issuing means for issuing a transfer card recording the transfer transaction information and the security code generated by the security code generating means, and a card indicating that the transfer card issued by the transfer card issuing means is a transfer card A transfer card printing means for printing the name and the transfer transaction information on the transfer card, a user image acquisition means for acquiring a user image, and the card name and the transfer transaction information by the transfer card printing means. A transfer card image acquisition means for acquiring an image of the printed transfer card; The security code generated by the security code generating means, the user image acquired by the user image acquiring means, and the transfer card image acquired by the transfer card image acquiring means in association with the transfer transaction information, and the image Data transmitting means for transmitting to the recording server.

In addition, the image recording server receives the security code, the user image, the transfer card image, and the transfer transaction information transmitted from the automatic teller machine, and the data receiving unit. A card-specific code generating means for generating a unique code associated with the received transfer transaction information; the security code received by the data receiving means; the user image; the transfer card image; and the transfer transaction information; Data registration means for associating and registering the card unique code generated by the card unique code generating means in the database, and a card for notifying the cash automatic deposit payment machine of the card unique code generated by the card unique code generating means And a unique code notification means.

  Further, the automatic teller machine is a card unique code receiving means for receiving the card unique code notified from the image recording server, and the card unique code received by the card unique code receiving means Card unique code writing means for recording on the transfer card issued by the means.

  In the transfer card issuing system according to the present invention, the automatic teller machine generates the security code recorded on the transfer card and the security code generation means when executing the transfer process using the transfer card. It is desirable to execute the transfer process when the security code matches.

In the transfer card issuing system of the present invention, it is preferable that the security code generation means generates a security code based on account information of the transfer requester information.
In addition, the transfer card issuing system of the present invention is a transfer card image that is read by the transfer card image acquisition means when the automatic teller machine executes a transfer process using the transfer card and a transfer registered in the database. When the card image matches, it is desirable to execute the transfer process.

  Further, the transfer card issuing system of the present invention is configured such that the image recording server transfers the transfer recorded on the transfer card when the automatic teller machine does not execute the transfer process when executing the transfer process using the transfer card. It is desirable to specify the user image corresponding to the client information.

  Further, according to one aspect of the present invention, the automatic teller machine of the present invention is an automatic teller machine connected to an image recording server via a network, and is unique from input transfer requester information. A security code generating means for generating a security code determined by the method, a transfer transaction information including the input transfer requester information and an input payee account information, and a security code generated by the security code generating means A transfer card issuing means for issuing a transfer card, a transfer card printing means for printing on the transfer card a card name indicating that the transfer card issued by the transfer card issuing means is a transfer card, and the transfer transaction information; The user image acquisition means for acquiring the user image and the transfer card printing means A transfer card image acquisition means for acquiring an image of a transfer card on which a card name and the transfer transaction information are printed, a security code generated by the security code generation means, and a use acquired by the user image acquisition means A data transmission means for associating the transfer image acquired by the person image and the transfer card image acquired by the transfer card image acquisition means with the transfer transaction information, and corresponding to the transfer transaction information by the image recording server Card unique code receiving means for receiving the attached card unique code from the image recording server, and recording the card unique code received by the card unique code receiving means on the transfer card issued by the transfer card issuing means. Card unique code writing means To.

Moreover, according to one aspect of the present invention, the image recording server of the present invention is an image recording server connected to the automatic teller machine through a network and transmitted from the automatic teller machine. Data receiving means for receiving the security code, the user image, the transfer card image, and the transfer transaction information, and a card specific for generating a unique code associated with the transfer transaction information received by the data receiving means A database in which the code generation means, the security code received by the data reception means, the user image, the transfer card image, and the transfer transaction information are associated with the card unique code generated by the card unique code generation means Generated by the data registration means registered in the card and the card specific code generation means. The card-specific code, characterized in that it comprises a card-specific code notifying means for notifying the automated teller machine.

  The present invention has an effect that it is possible to suppress fraudulent acts that abuse a transfer transaction that has become a social problem, even though it has a very simple configuration and does not cost much.

It is a figure which shows the external appearance of the automatic teller machine to which this invention is applied. It is a figure which shows the system structural example of an automatic teller machine. 4 is a diagram showing a configuration of a card / receipt processing unit 60. FIG. It is a figure for demonstrating the outline | summary of the transfer card issue system in 1st Embodiment. It is a flowchart which shows the flow of the transfer card issue process which the automatic teller machine 1 performs in 1st Embodiment. It is a figure which shows the example of the transfer card | curd 4 in 1st Embodiment. It is a figure which shows the example of the data transmitted to the image recording server 3 from the automatic teller machine 1. It is a flowchart which shows the flow of the user image registration process which the image recording server 3 performs in 1st Embodiment. It is a flowchart which shows the flow of the transfer card utilization process which the automatic teller machine 1 performs in 1st Embodiment. It is a flowchart which shows the flow of the card specific number search process which the image recording server 3 performs in 1st Embodiment. It is a flowchart which shows the flow of the user registration inquiry process which the automatic teller machine 1 performs in 1st Embodiment. It is a flowchart which shows the flow of the user image search process which the image recording server 3 performs in 1st Embodiment. It is a flowchart which shows the flow of the transfer card issue process which the automatic teller machine 1 performs in 2nd Embodiment. It is a figure which shows the example of the transfer card | curd 4 in 2nd Embodiment. It is a flowchart which shows the flow of the transfer card utilization process which the automatic teller machine 1 performs in 2nd Embodiment. It is a figure for demonstrating the outline | summary of the transfer card issue system in 3rd Embodiment. It is a flowchart which shows the flow of the transfer card issue process which the automatic teller machine 1 performs in 3rd Embodiment. It is a figure which shows the example of the transfer card image 6 in 3rd Embodiment. It is a flowchart which shows the flow of the transfer card image registration process which the image recording server 3 performs in 3rd Embodiment. It is a flowchart which shows the flow of the transfer card utilization process which the automatic teller machine 1 performs in 3rd Embodiment. It is a flowchart which shows the flow of the transfer card image search process which the image recording server 3 performs in 3rd Embodiment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
(First to third embodiments)
First, description common to the first to third embodiments will be given.

FIG. 1 is a view showing an appearance of an automatic teller machine to which the present invention is applied.
1, the automatic teller machine 1 includes a passbook insertion unit 10, a card insertion unit 11, a coin deposit / withdrawal unit 12, a banknote deposit / withdrawal unit 13, and a display input unit 14.

  The passbook insertion unit 10 accepts the passbook, and returns the passbook after performing certain processes such as reading data stored in a magnetic stripe unit attached to the side of the passbook, filling in the passbook, and the like. The card insertion unit 11 accepts the cash card, returns the cash card after performing certain processing such as reading data stored in the cash card. The card insertion unit 11 discharges the created transfer card 4 when issuing the transfer card 4 described later, and accepts the transfer card 4 when using the transfer card 4. The transfer card 4 is returned after performing certain processing such as reading data stored in.

The coin deposit / withdrawal unit 12 receives and dispenses coins. The banknote deposit / withdrawal unit 13 accepts banknotes and pays out banknotes.
Further, the display input unit 14 displays a transaction content menu, transaction result guidance, and the like, and accepts processing requests.

FIG. 2 is a diagram showing a system configuration example of an automatic teller machine.
2, the ATM control unit 20 includes a main control unit 21, a memory 22, a hard disk 23, a host communication control unit 24, a screen display unit 25, a key input unit 26, a camera 27, and an IO control unit 28. The ATM control unit 20 controls the banknote processing unit 30, the coin processing unit 40, the passbook processing unit 50, and the card / receipt processing unit 60 via an IO (Input Output) control unit 28, thereby automatically The entire deposit payment machine 1 is controlled.

  The memory 22 is a RAM (Random Access Memory) for executing a control program. For example, when the control program is activated and executed in response to a key input signal from the key input unit 26 or an inquiry signal from a host computer received via the host communication control unit 24, it is stored in advance in the ROM. The operation of each part of the automatic teller machine 1 is controlled using the RAM as a working memory in accordance with the control program. The hard disk 23 stores an OS (Operating System), a terminal ID for identifying the automatic teller machine 1, a control program for controlling and executing each function of the automatic teller machine 1, and the like.

  The host communication control unit 24 controls communication with an image recording server 3 and a host computer described later. The screen display unit 25 and the key input unit 26 are interfaces when the user operates the automatic teller machine 1. That is, the screen display unit 25 displays a transaction menu and a guide regarding the transaction. The key input unit 26 has a key for the user to input. The screen display unit 25 and the key input unit 26 are integrated as a touch panel.

The camera 27 is, for example, a USB camera provided in the automatic teller machine 1.
Moreover, the banknote processing unit 30 counts the number of banknotes inserted from the banknote depositing / withdrawing unit 13 when depositing or transferring an account, and determines the type of banknote. Further, when the banknotes are paid out, the banknotes to be paid out are counted. The coin processing unit 40 counts the number of coins inserted from the coin deposit / withdrawal unit 12 at the time of depositing or transferring an account, and determines the type of coin. When coins are paid out, the coins to be paid out are counted. The bankbook processing unit 50 reads data stored in the magnetic stripe unit of the bankbook inserted from the bankbook insertion unit 10. In addition, the bankbook is filled in for the bankbook.

The card / receipt processing unit 60 is a unit that executes processing relating to the cash card, the transfer card 4, and the receipt.
FIG. 3 is a diagram showing the configuration of the card / receipt processing unit 60.

  In FIG. 3, a card / receipt processing unit 60 includes a CPU (Central Processing Unit) 61, a memory 62, a host communication control unit 63, an internal sensor control unit 64, a card processing unit 65, an image sensor 66, a receipt printing unit 67, and A transfer card issuing unit 68 is provided.

  The CPU 61 controls the card / receipt processing unit 60 as a computer, and the memory 62 controls and executes each function of the card / receipt processing unit 60 in addition to a program for executing processing executed in the card / receipt processing unit 60. A control program and table data for storing data are stored.

The upper communication control unit 63 communicates with the ATM control unit 20 via the IO control unit 28.
The internal sensor control unit 64 reads a plurality of pieces of sensor information for monitoring the passing or remaining of the cash card, the transfer card 4 or the receipt on the conveyance path, and notifies the CPU 61 of the information.

The card processing unit 65 reads information recorded on the cash card or transfer card inserted from the card insertion unit 11.
The image sensor 66 scans the surface of the transfer card issued by the transfer card issuing unit 68 and acquires it as image information.

The receipt printing unit 67 prints a transaction result after performing various transactions on the receipt.
Then, the transfer card issuing unit 68 issues the transfer card 4 used for the transfer transaction. In the magnetic stripe portion on the back surface of the transfer card 4, transfer information such as a transfer destination is written, and necessary information is printed in a blank portion on the front surface.

Next, each embodiment which the above automatic teller machine 1 performs will be described.
(First embodiment)
FIG. 4 is a diagram for explaining an overview of the transfer card issuing system according to the first embodiment.

  4, in the transfer card issuing system in the first embodiment, the automatic teller machine 1 (1A and 1B) and the image recording server 3 as described above are connected to each other via a network 2. A host computer (not shown) provided in a financial institution center or the like is also connected to the network 2 in the same manner as the image recording server 3.

  And when the automatic teller machine 1A issues the transfer card 4, the transfer card issuance system in the first embodiment is the user who executed the issue operation, that is, the user who executed the first transfer operation. The user image 5 is transmitted to the image recording server 3 and recorded together with the cash card information of the user when the cash card is used and the information about the transfer card 4.

  Thereby, when the transfer card 4 is abused by the automatic teller machine 1B, information retrieval at the time of issuing the transfer card 4 is facilitated. Then, the user who has been issued the transfer card 4 can be located.

  The transfer card 4 actually performs the transfer process, and records the contents input at that time (transfer destination financial institution, account number, etc.) on a card as a recording medium. Therefore, in order to issue the transfer card 4, it is necessary to perform a transfer transaction.

Next, the flow of processing for issuing the transfer card 4 will be described.
FIG. 5 is a flowchart showing the flow of a transfer card issuing process executed by the automatic teller machine 1 in the first embodiment.

  First, in step S501, the user selects an initial screen (transaction selection) displayed on the screen display unit 25 of the display input unit 14 provided in the automatic teller machine 1 (for example, the automatic teller machine 1A in FIG. 4). Screen) and select “transfer transaction” using the key input unit 26. When you select a transfer transaction, the screen display 25 will display a screen that allows you to select either “card transfer” or “cash transfer” with cash, which is a transfer from an account using a cash card. Select.

  When “card transfer” is selected, a screen for prompting insertion of a cash card is displayed on the screen display unit 25. When a cash card is inserted into the card insertion unit 11 in step S502, in step S503, The transfer requester information including the account number is read from the magnetic stripe portion of the cash card, and the user is allowed to input the personal identification number and the transfer amount.

  Next, in step S504, “transfer transaction processing” is executed. This “transfer transaction process” is a process similar to the process executed by the conventional automatic teller machine, and is outlined as follows.

  That is, since a guidance screen for prompting input of the bank account is displayed on the screen display unit 25, the user follows the guidance as bank account information, bank name, branch number, account number, recipient name, etc. Are entered sequentially. These pieces of information are stored in the hard disk 23 provided in the automatic teller machine 1.

  When the above input is completed, the automatic teller machine 1 communicates with a host computer provided at the center of the financial institution, and hosts the transfer requester information and the input amount together with the transfer destination information input by the user. Send to a computer to inquire about the availability of the transaction. When a notice that the transaction is possible is sent from the host computer to the automatic teller machine 1, the client information and the transfer information are displayed on the screen display unit 25 of the automatic teller machine 1, and the user After confirming the contents, the confirmation key displayed on the screen display unit 25 is pressed using the key input unit 26.

Then, the automatic teller machine 1 communicates with the host computer again to notify the transaction contents, and the host computer transfers money to the bank account.
After such “transfer transaction processing” is completed, in step S505, in order to omit a complicated input operation such as a transfer destination in the next transaction, the transfer card 4 in which the contents of the above “transfer transaction processing” are registered. Let the user choose whether or not is necessary.

  When the user selects that the transfer card 4 is not required (step S505: No), the process proceeds to step S512. On the other hand, if it is selected that the transfer card 4 is necessary (step S505: Yes), the transfer card issuance process is performed in step S506, and the contents of the above-mentioned "transfer transaction process" (transfer card issuance information) are registered. The transfer card 4 is created, and predetermined items are printed on the surface of the transfer card 4 in step S507.

FIG. 6 is a diagram illustrating an example of the transfer card 4 according to the first embodiment.
As shown in FIG. 6, on the surface of the transfer card 4, a card name indicating that it is a transfer card, an account number of the transfer destination, and the like are printed.

Returning to the description of FIG.
After the transfer card 4 is created in step S506 and the account number of the transfer destination is printed in step S507, or in conjunction with these processes, in step S508, the transfer card 4 is desired to be issued. The user who has performed, for example, the face of the user is captured by the camera 27 provided in the automatic teller machine 1 to obtain the user image 5.

FIG. 7 is a diagram illustrating an example of data transmitted from the automatic teller machine 1 to the image recording server 3.
Then, in step S509 in FIG. 5, as shown in FIG. 7, the transfer card issuance information registered in the transfer card 4 in step S506 and the user image 5 acquired in step S508 are associated with each other so that the center of the financial institution or the like. To the image recording server 3 provided in

FIG. 8 is a flowchart showing the flow of user image registration processing executed by the image recording server 3 in the first embodiment.
First, in step S801, the image recording server 3 receives the transfer card issue information and the user image 5 transmitted from the automatic teller machine 1 in step S509 in FIG. 5, and in step S802, the transfer card issue information. And the user image 5 are registered in a database provided in the image recording server 3.

  Next, in step S803, a unique code associated with the transfer card issuance information registered in the database, for example, a unique number, is generated to be assigned to identify the transfer card 4, and received in step S801. The automatic teller machine 1 that has transmitted the transfer card issuance information and the like is notified (returned). At the same time, in step S804, this card unique number is registered in the database in association with the transfer card issue information.

Returning to the description of FIG.
In step S510, the automatic teller machine 1 receives the card unique number transmitted from the image recording server 3 in step S803 of FIG. 8 and records it in the magnetic stripe portion of the transfer card 4.

In step S511, the transfer card 4 is discharged from the card insertion unit 11, and in step S512, the cash card is discharged (returned) from the card insertion unit 11.
Next, the flow of processing when using the transfer card 4 will be described.

FIG. 9 is a flowchart showing the flow of the transfer card use process executed by the automatic teller machine 1 in the first embodiment.
An automatic teller machine 1 described with reference to FIG. 9 corresponds to the automatic teller machine 1B shown in FIG.

  First, in step S901, the user looks at the initial screen (transaction selection screen) displayed on the screen display unit 25 of the display input unit 14 included in the automatic teller machine 1 (1B), and moves the key input unit 26. Use to select "Transfer Transaction". When you select a transfer transaction, the screen display 25 will display a screen that allows you to select either “card transfer” or “cash transfer” with cash, which is a transfer from an account using a cash card. Select.

  When “card transfer” is selected, a screen for prompting insertion of a cash card is displayed on the screen display unit 25. When a cash card is inserted into the card insertion unit 11 in step S902, in step S903, The transfer requester information including the account number is read from the magnetic stripe portion of the cash card, and the user is allowed to input the personal identification number and the transfer amount.

Next, in step S904, the user is allowed to select whether or not the transfer is made using the transfer card 4.
When it is not a transfer using the transfer card 4 (step S904: No), a normal transfer process, for example, the process after step S504 shown in FIG. 5 is executed. On the other hand, in the case of transfer using the transfer card 4 (step S904: Yes), a screen prompting the insertion of the transfer card 4 is displayed on the screen display unit 25, and the transfer card 4 is inserted into the card insertion unit 11 in step S905. Then, in step S906, the card unique number is read from the magnetic stripe portion of the transfer card 4 together with the transfer card issue information.

  In step S907, the card unique number is transmitted to the image recording server 3 in order to inquire whether or not the card unique number read in step S906 is registered in the image recording server 3.

FIG. 10 is a flowchart showing the flow of the card unique number search process executed by the image recording server 3 in the first embodiment.
First, in step S1001, the image recording server 3 receives the card unique number transmitted from the automatic teller machine 1 in step S907 in FIG. 9, and whether the card unique number is registered in the database in step S1002. Search for no.

  When it is determined that the card unique number is registered in the database (step S1003: Yes), the determination result of “card registered” is shown in step S1004, and when it is determined that the card is not registered (step S1003: No). ) Shows the determination result of “not applicable” in step S1005. In step S1006, the search result shown in either step S1004 or S1005 is returned to the inquired automatic teller machine 1 (1B).

Returning to the description of FIG.
In step S908, the automatic teller machine 1 receives the search result transmitted from the image recording server 3 in step S1006 of FIG. 10, and the search result is a result indicating that the search result is not registered in the database. That is, if the search result is “not applicable” in step S1005 of FIG. 10 (step S908: No), the transfer card 4 inserted into the card insertion unit 11 in step S905 is determined in step S909. The fact that it cannot be handled is displayed on the screen display unit 25, and the process proceeds to step S915.

  On the other hand, if the search result received in step S908 is a result indicating that it is registered in the database, that is, if the search result indicates “card registered” in step S1004 of FIG. S908: Yes) displays the transfer destination information registered in the transfer card 4 on the screen display unit 25 in step S910. In step S911, the user is caused to input a transfer amount.

  Next, a message is displayed on the screen display section 25 to confirm whether or not the transfer destination information displayed in step S910 and the transfer amount input in step S911 are correct. If any of them is not correct (step S912: No), the key input unit 26 is instructed to indicate that it is not correct, and in step S913, a transaction redemption guide is displayed on the screen display unit 25. Proceed to S915.

  On the other hand, when both the transfer destination information and the transfer amount are correct (step S912: Yes), in step S914, the automatic teller machine 1 executes the “transfer transaction process” similar to step S504 in FIG. .

  In step S915, the transfer card 4 is discharged (returned) from the card insertion unit 11, and in step S916, the cash card is discharged (returned) from the card insertion unit 11.

  As a result, only the transfer card 4 registered in the image recording server 3 provided at the center of the financial institution can be used for the transfer transaction process, and the security level can be secured.

Next, processing when a transfer fraud case using a transfer card occurs will be described.
There is a possibility that the suspect can be identified as follows when a transfer fraud case using a transfer card is discovered due to execution of the second and third embodiments to be described later by some information, for example. is there.

FIG. 11 is a flowchart showing the flow of the user registration inquiry process executed by the automatic teller machine 1 in the first embodiment.
First, in step S1101, the automatic teller machine 1 inputs the transaction contents subject to the transfer fraud case, in particular, the account number of the transfer destination from the key input unit 26 as a user image search key, and step S1102 The transmitted account number is transmitted to the image recording server 3.

FIG. 12 is a flowchart showing the flow of user image search processing executed in the image recording server 3.
First, in step S1201, the image recording server 3 receives the account number transmitted from the automatic teller machine 1 in step S1102 of FIG. 11, and in step S1202, searches the database using the account number as a key.

  In step S1203, it is determined whether or not the account number that is the key for the search exists in the database, that is, whether or not the information on the transfer card 4 that may be used in the transfer fraud case exists in the database. If yes (step S1203: Yes), the user image 5 associated with the found transfer card 4 is extracted from the database in step S1204, and is transmitted to the image recording server 3 in step S1205.

  On the other hand, if the account number that is the key for the search does not exist in the database (step S1203: No), in step S1206, it transmits to the image recording server 3 that the corresponding account number does not exist in the database.

Returning to the description of FIG.
In step S1103, the user image 5 transmitted from the image recording server 3 in step S1205 in FIG. 12 is received. In step S1104, the automatic teller machine 1 confirms the account number of the transfer destination and disables the use. At the same time, the user image 5 is presented to an investigation organization such as the police, and notified to each branch in the financial institution, so that the user can stop using the financial institution.
The above is the description of the first embodiment to which the present invention is applied.

(Second Embodiment)
Next, a second embodiment to which the present invention is applied will be described.
In the second embodiment to which the present invention is applied, in a transfer transaction using the transfer card 4, a specific security code is written in the transfer card 4 when the transfer card 4 is issued. Thereby, when executing the transfer process using the transfer card 4, the security associated with the transfer transaction using the transfer card 4 is improved by inputting the specific security code written when the transfer card 4 is issued. Objective.

  Here, as a specific security code, (1) key input by the user, (2) for example, an account number is automatically read from a cash card when performing a transfer transaction, and at least a part of the account number is used. .

  As described above, the transfer card is intended to simplify the frequent transfer of money to a specific transfer destination by the user. Recently, since it is not possible to make an expensive cash transfer with an automatic teller machine, the transfer is mainly from a bank account, and the transfer card is usually used together with a cash card.

  On the other hand, in a fraudulent act using a transfer card, a different cash card is used for the cash card used in the transfer card issuance process and the cash card used in the transfer process using the transfer card. Therefore, in the second embodiment to which the present invention is applied, a transfer card made by another person cannot be transferred.

FIG. 13 is a flowchart showing a flow of a transfer card issuing process executed by the automatic teller machine 1 in the second embodiment.
First, in step S1301, as in step S501 of FIG. 5, “transfer transaction” is selected, and either “card transfer” or “cash transfer” is selected.

  When “card transfer” is selected, a screen prompting the insertion of a cash card is displayed on the screen display unit 25. In step S1302, the cash card is inserted into the card insertion unit 11 as in step S502 of FIG. Then, in step S1303, as in step S503 in FIG. 5, the transfer requester information including the account number is read from the magnetic stripe portion of the cash card, and the user is caused to input the personal identification number and the transfer amount.

Next, in step S1304, the same “transfer transaction process” as in step S504 of FIG. 5 is executed.
Then, after such “transfer transaction processing” is completed, in step S1305, as in step S505 of FIG. 5, whether or not the transfer card 4 in which the contents of the above “transfer transaction processing” are registered is used is used. Let the person choose.

  When the user selects that the transfer card 4 is not required (step S1305: No), the process proceeds to step S1311. On the other hand, if it is selected that the transfer card 4 is necessary (step S1305: Yes), a security code for registration is input to the transfer card 4 in step S1306. Alternatively, a predetermined value is determined as the security code among the account numbers read from the magnetic stripe portion of the cash card in step S1303.

  Next, in step S1307, the transfer card issuance process is performed in the same manner as in step S506, and the transfer card 4 in which the content of the above-mentioned "transfer transaction process" (transfer card issuance information) is registered is created. In step S1308, A predetermined matter is printed on the surface of the transfer card 4. In step S1309, the security code determined in step S1306 is written in the magnetic stripe portion of the transfer card 4 in which the transfer card issuance information is registered in step S1307.

FIG. 14 is a diagram illustrating an example of the transfer card 4 according to the second embodiment.
As shown in FIG. 14, a security code is registered in the magnetic stripe portion on the back surface of the transfer card 4, and the account number of the transfer destination is printed on the front surface.

Returning to the description of FIG.
The automatic teller machine 1 discharges the transfer card 4 from the card insertion unit 11 in step S1310, and discharges (returns) the cash card from the card insertion unit 11 in step S1311, as in step S512 of FIG. .

Next, the flow of processing when using the transfer card 4 will be described.
FIG. 15 is a flowchart showing the flow of a transfer card use process executed by the automatic teller machine 1 in the second embodiment.

First, in step S1501, as in step S901 of FIG. 9, “transfer transaction” is selected, and either “card transfer” or “cash transfer” is selected.
When “card transfer” is selected, a screen prompting insertion of a cash card is displayed on the screen display unit 25, and in step S1502, the cash card is transferred to the card insertion unit 11 as in step S902 of FIG. When inserted, in step S1503, as in step S903 of FIG. 9, the transfer requester information including the account number is read from the magnetic stripe portion of the cash card, and the user is prompted to input the password and transfer amount.

Next, in step S1504, the user is allowed to select whether or not the transfer is made using the transfer card 4.
When it is not a transfer using the transfer card 4 (step S1504: No), a normal transfer process, for example, the process after step S504 shown in FIG. 5 is executed. On the other hand, in the case of transfer using the transfer card 4 (step S1504: Yes), a screen prompting the insertion of the transfer card 4 is displayed on the screen display unit 25, and the transfer card 4 is inserted into the card insertion unit 11 in step S1505. In step S 1506, data such as transfer card issue information is read from the magnetic stripe portion of the transfer card 4.

  In step S1507, it is determined whether the data read in step S1506 includes a security code. When the security code is not included, that is, when a transfer card created by a conventional automatic teller machine is used (step S1507: No), in step S1508, the transfer amount is limited, for example, “ A message such as “The amount of money to be transferred is 100,000 yen or less” is displayed on the screen display unit 25 to restrict the amount of money to be transferred, and the processing proceeds to step S1513. On the other hand, if the security code is included (step S1507: Yes), the security code is input in step S1509. Alternatively, a predetermined value is determined as a security code among the account numbers read from the magnetic stripe portion of the cash card in step S1503.

  Next, in step S1510, it is determined whether or not the security code in the data read in step S1506 matches the security code determined in step S1509.

  If they do not match (step S1510: NO), a message such as “This transfer card cannot be used” is displayed on the screen display unit 25 in step S1511 and the process proceeds to step S1517. The fact that the security codes do not match means that the user who issued the transfer card 4 and the user who tried to conduct the transfer transaction with the transfer card 4 are not the same person, and a transfer fraud case may have occurred Increases nature.

  On the other hand, if the two security codes match (step S1510: Yes), the transfer destination information registered in the transfer card 4 is displayed on the screen display unit 25 in step S1512. In step S1513, the user is caused to input a transfer amount.

  Next, the screen display unit 25 displays that the transfer destination information displayed in step S1512 and the transfer amount input in step S1513 are confirmed to be correct. If any of them is not correct (step S1514: No), the key input unit 26 is instructed to indicate that it is not correct. In step S1515, a guidance for redoing the transaction is displayed on the screen display unit 25. The process proceeds to S1517.

  On the other hand, when both the transfer destination information and the transfer amount are correct (step S1514: Yes), in step S1516, the automatic teller machine 1 executes the “transfer transaction process” similar to step S504 in FIG. .

  In step S1517, the transfer card 4 is discharged (returned) from the card insertion unit 11, and in step S1518, the cash card is discharged (returned) from the card insertion unit 11.

  Thereby, when performing a transfer transaction from the automatic teller machine 1 with a cash card that is not the cash card used when the transfer card 4 is created, it is possible to prevent a high-value transfer transaction from being performed.

  In addition, as the security code, data such as account number (or a part of the data or further encrypted data) can be set without being recognized by the user when the transfer card 4 is issued. If you use it automatically, the crime prevention effect is higher.

The above is the description of the second embodiment to which the present invention is applied.
(Third embodiment)
Next, a third embodiment to which the present invention is applied will be described.

  In the third embodiment to which the present invention is applied, the image of the surface of the issued transfer card 4 is recorded by the image sensor 66 provided in the automatic teller machine 1 in the transfer transaction using the transfer card 4. This image is sent via the network 2 to the image recording server 3 provided at the center of the financial institution and recorded in the database.

  When the transfer card 4 is used, the image sensor 66 is used to acquire the print contents of the transfer card 4 and the image registered in the database of the image recording server 3 when the transfer card 4 is issued. It is characterized in that if the tampering is clearly recognized, the transfer transaction is stopped. In the fraudulent act using the transfer card 4, in order to deceive the user, some tampering is performed on the transfer card 4, that is, the display content is rewritten. In the third embodiment, fraud can be prevented by detecting this tampering.

FIG. 16 is a diagram for explaining the outline of the transfer card issuing system according to the third embodiment.
In FIG. 16, the transfer card issuance system in the third embodiment is similar to the transfer card issuance system in the first embodiment shown in FIG. 4 and the automatic teller machine 1 (1A and 1B) and the image. The recording server 3 is connected to each other via the network 2. A host computer (not shown) provided in a financial institution center or the like is also connected to the network 2 in the same manner as the image recording server 3.

  The transfer card issuing system in the third embodiment uses the image sensor 66 built in the automatic teller machine 1A when the automatic teller machine 1A issues the transfer card 4, and uses the transfer card 4 Is obtained as a transfer card image 6. Note that the image sensor 66 is usually mounted on the automatic teller machine 1A in order to leave a record of an account number and a name column when a cash card transaction is made.

  Then, the acquired transfer card image 6 is transmitted to the image recording server 3 together with the cash card information of the user when the cash card is used and information about the transfer card 4, and recorded in the database. The transfer card image 6 is stored with the unique number of the transfer card 4. This unique number is transmitted from the image recording server 3 to the automatic teller machine 1A and written in the magnetic stripe portion of the transfer card 4 for identification of the transfer card 4.

Thereby, when using the transfer card 4 with the automatic teller machine 1B, information search for falsification of the transfer card 4 is facilitated.
Next, the flow of processing for issuing the transfer card 4 will be described.

FIG. 17 is a flowchart showing the flow of the transfer card issuing process executed by the automatic teller machine 1 in the third embodiment.
First, in step S1701, as in step S501 in FIG. 5, “transfer transaction” is selected, and either “card transfer” or “cash transfer” is selected.

  When “card transfer” is selected, a screen prompting insertion of a cash card is displayed on the screen display unit 25. In step S1702, the cash card is inserted into the card insertion unit 11 in the same manner as in step S502 of FIG. Then, in step S1703, as in step S503 of FIG. 5, the transfer requester information including the account number is read from the magnetic stripe portion of the cash card, and the user is caused to input the personal identification number and the transfer amount.

Next, in step S1704, the same “transfer transaction process” as in step S504 of FIG. 5 is executed.
Then, after such “transfer transaction processing” is completed, whether or not the transfer card 4 in which the contents of the above “transfer transaction processing” are registered is used in step S1705 as in step S505 of FIG. Let the person choose.

  When the user selects that the transfer card 4 is not required (step S1705: No), the process proceeds to step S1711. On the other hand, if it is selected that the transfer card 4 is necessary (step S1705: Yes), in step S1706, the transfer card issuance process is performed in the same manner as in step S506, and the contents of the above "transfer transaction process" (transfer) The transfer card 4 in which the card issue information is registered is created.

  In step S 1707, predetermined items are printed on the surface of the transfer card 4, and in step S 1708, the printing surface of the transfer card 4 is scanned using the image sensor 66 to obtain a transfer card image 6.

FIG. 18 is a diagram illustrating an example of a transfer card image 6 in the third embodiment.
As shown in FIG. 18, the transfer card image 6 is image data on the surface of the transfer card 4 on which a card name indicating a transfer card, an account number of a transfer destination, and the like are printed.

Returning to the description of FIG.
In step S1709, the transfer card issuance information registered in the transfer card 4 in step S1706 and the user image 5 acquired in step S1708 are associated with each other and transmitted to the image recording server 3 provided in the center of the financial institution or the like. .

FIG. 19 is a flowchart showing the flow of a transfer card image registration process executed by the image recording server 3 in the third embodiment.
First, in step S1901, the image recording server 3 receives the transfer card issuance information and the transfer card image 6 transmitted from the automatic teller machine 1 in step S1709 of FIG. In step S1902, a unique code associated with the transfer card issuance information registered in the database, for example, a unique number, is generated so as to be assigned to identify the transfer card 4.

  In step S1903, the transfer card issuance information received in step S1901, the transfer card image 6, and the card unique number generated in step S1902 are associated with each other and registered in the database provided in the image recording server 3.

  In step S1904, the card unique number is notified (returned) to the automatic teller machine 1 that has transmitted the transfer card issuance information received in step S1901.

Returning to the description of FIG.
In step S1710, the automatic teller machine 1 receives the card unique number transmitted from the image recording server 3 in step S1904 of FIG. 19, and the magnetic stripe portion of the transfer card 4 in which the transfer card issuance information is registered in step S1706. To record.

  In step S1711, the transfer card 4 is discharged from the card insertion unit 11, and in step S1712, the cash card is discharged (returned) from the card insertion unit 11.

Next, the flow of processing when using the transfer card 4 will be described.
FIG. 20 is a flowchart showing the flow of a transfer card use process executed by the automatic teller machine 1 in the third embodiment.

First, in step S2001, as in step S901 in FIG. 9, “transfer transaction” is selected, and either “card transfer” or “cash transfer” is selected.
When “card transfer” is selected, a screen prompting insertion of a cash card is displayed on the screen display unit 25, and in step S2002, the cash card is inserted into the card insertion unit 11 as in step S902 of FIG. When it is inserted, in step S2003, as in step S903 of FIG. 9, the transfer requester information including the account number is read from the magnetic stripe portion of the cash card, and the user is prompted to input the personal identification number and the transfer amount.

Next, in step S2004, the user is allowed to select whether or not the transfer is performed using the transfer card 4.
When it is not a transfer using the transfer card 4 (step S2004: No), a normal transfer process, for example, the process after step S504 shown in FIG. 5 is executed. On the other hand, in the case of the transfer using the transfer card 4 (step S2004: Yes), a screen prompting the insertion of the transfer card 4 is displayed on the screen display unit 25, and the transfer card 4 is inserted into the card insertion unit 11 in step S2005. Then, in step S2006, the card unique number is read together with the transfer card issue information from the magnetic stripe portion of the transfer card 4.

In step S2007, the image sensor 66 is used to scan the printing surface of the transfer card 4 and obtain it as a transfer card image 6.
Next, in step S2008, in order to inquire whether or not the card unique number read in step S2006 is registered in the image recording server 3, the card unique number and the acquired transfer card image 6 are associated with each other to the image recording server 3. Send.

FIG. 21 is a flowchart showing the flow of a transfer card image search process executed by the image recording server 3 in the third embodiment.
First, in step S2101, the image recording server 3 receives the card unique number and the transfer card image 6 transmitted from the automatic teller machine 1 in step S2008 of FIG. 20, and in step S2102, based on the card unique number. To check whether or not the corresponding transfer card image 6 is registered in the database.

  In step S2103, it is determined whether or not the transfer card image 6 corresponding to the received card unique number is registered in the database. If it is determined that the transfer card image 6 is not registered (step S2103: No), in step S2104. , “N / A” judgment result is shown. On the other hand, if it is determined that the card unique number is registered in the database (step S2103: Yes), the transfer card image 6 received in step S2101 is associated with the card unique number retrieved in step S2102 in step S2104. It is compared whether or not the transferred card image 6 matches.

  When it is determined that the two transfer card images 6 do not match (step S2104: No), in step S2105, the determination result of “non-identical determination” is shown, and on the other hand, it is determined that they match. In the case (step S2104: Yes), the determination result of “identical determination” is shown in step S2106.

  In step S2107, the search result shown in any of step S2104, step S2105, or S2106 is returned to the inquired automatic teller machine 1 (1B).

Returning to the description of FIG.
In step S2009, the automatic teller machine 1 receives the search result transmitted from the image recording server 3 in step S2107 of FIG. 21, and the search result is a result indicating that the determination is not the same, that is, When the search result indicates “non-identical determination” in step S2105 in FIG. 21 or when the search result indicates “not applicable” in step S2104 in FIG. 21 (step S2009: No). In step S2010, the screen display unit 25 displays that the transfer card 4 inserted in the card insertion unit 11 in step S2005 cannot be handled, and the process proceeds to step S2016.

  On the other hand, if the search result received in step S2009 is a result indicating that the determination is the same, that is, if the search result indicates “same determination” in step S2106 in FIG. 21 (step S2009: Yes). ) Displays the transfer destination information registered in the transfer card 4 on the screen display unit 25 in step S2011. In step S2012, the user is caused to input a transfer amount.

  Next, a message is displayed on the screen display unit 25 to confirm whether or not the transfer destination information displayed in step S2011 and the transfer amount input in step S2012 are correct. If either of them is incorrect (step S2013: No), the key input unit 26 indicates that it is not correct. In step S2014, a guidance for redoing the transaction is displayed on the screen display unit 25. The process proceeds to S2016.

  On the other hand, when both the transfer destination information and the transfer amount are correct (step S2013: Yes), in step S2015, the automatic teller machine 1 executes the “transfer transaction process” similar to step S504 in FIG. .

  In step S2016, the transfer card 4 is discharged (returned) from the card insertion unit 11, and in step S2017, the cash card is discharged (returned) from the card insertion unit 11.

This makes it possible to protect against fraudulent tricks that trick users by crafting the printing surface of the transfer card 4.
Here, the work of the printed surface means that, for example, the portion originally written as “transfer card” is originally transferred from the user's account by transfer transaction, such as “annuity refund card” or “overpaid tax refund card”. This means a change in language or design with the intention of making it appear as if the transaction is such that money is entered into the user even though the transfer is being made to another account.

  Therefore, the determination that the images match in step 2104 in FIG. 21 is a comparison result between the “transfer card” printed as the name of the transfer card 4 and the “transfer card”. This is a comparison result between the “transfer card” and the “pension refund card” or the “overpaid tax refund card”.

As described above, the system for realizing the first to third embodiments to which the present invention is applied is the following transfer card issuing system.
That is, the transfer card issuing system includes an automatic teller machine 1 and an image recording server 3 that are connected to each other via a network 2.

  The automatic teller machine 1 generates a security code uniquely determined from transfer requester information input from the key input unit 26 or transfer requester information read from the cash card. Moreover, the transfer card | curd 4 which recorded the transfer transaction information containing the input transfer requester information and the input transfer destination account information, and the produced | generated security code is issued. Then, the card name indicating that the issued transfer card 4 is a transfer card and the transfer transaction information are printed on the transfer card 4.

  In addition, a user image (user image 5), in particular, a face image is acquired by capturing with the camera 27. And the image (transfer card image 6) of the transfer card 4 with which the card name and transfer transaction information were printed is acquired.

Further, the generated security code, the acquired user image 5, and the acquired transfer card image 6 are associated with the transfer transaction information and transmitted to the image recording server 3.
On the other hand, the image recording server 3 receives the security code, the user image 5, the transfer card image 6, and the transfer transaction information transmitted from the automatic teller machine 1. And the unique code matched with the received said transfer transaction information is generated.

  Further, the received security code, the user image 5, the transfer card image 6, and the transfer transaction information and the generated card unique code are registered in the database in association with each other. Then, the generated card unique code is notified to the image recording server 3.

  The automatic teller machine 1 receives the card unique code notified from the image recording server 3. Then, the received card unique code is recorded on the issued transfer card 4.

  Furthermore, when the automatic teller machine 1 executes the transfer process using the transfer card 4, the security code recorded on the transfer card 4 matches the security code generated from the cash card at the time of use. If it does, transfer process is executed. If they do not match, transfer process is not executed.

The security code is generated based on the account information of the transfer requester information.
In addition, the automatic teller machine 1 makes a transfer when the transfer card image read by the image sensor 66 matches the transfer card image registered in the database when executing the transfer process using the transfer card 4. Execute the process and do not execute the transfer process if they do not match.

  In addition, the image recording server 3 is configured such that when the automatic teller machine 1 does not execute a transfer process when executing the transfer process using the transfer card 4, that is, when there is a fear of a transfer fraud, the transfer card 4 The user image 5 corresponding to the transfer requester information recorded in is identified.

  As described above, each embodiment of the present invention has been described with reference to the drawings. However, each of the above-described embodiments of the present invention has a hardware or DSP as one function of an automatic teller machine or an image recording server. It can be realized by firmware or software on a (Digital Signal Processor) board or CPU board.

  In addition, the automatic teller machine or the image recording server to which the present invention is applied is not limited to the above-described embodiments as long as the function is executed. It goes without saying that a system composed of a plurality of devices or an integrated device may be a system in which processing is performed via a network such as a LAN or a WAN.

  It can also be realized by a system including a CPU, a ROM or RAM memory connected to a bus, an input device, an output device, an external recording device, a medium driving device, and a network connection device. That is, a ROM or RAM memory, an external recording device, or a portable recording medium in which a software program for realizing the system of each embodiment described above is recorded is supplied to an automatic teller machine or an image recording server. Needless to say, this can also be achieved by the automatic teller machine or the image recording server computer reading and executing the program.

  In this case, the program itself read from the portable recording medium or the like realizes the novel function of the present invention, and the portable recording medium or the like on which the program is recorded constitutes the present invention.

  Examples of portable recording media for supplying the program include flexible disks, hard disks, optical disks, magneto-optical disks, CD-ROMs, CD-Rs, DVD-ROMs, DVD-RAMs, magnetic tapes, and nonvolatile memory cards. Various recording media recorded via a network connection device (in other words, a communication line) such as a ROM card, electronic mail or personal computer communication can be used.

  The computer (information processing apparatus) executes the program read onto the memory, thereby realizing the functions of the above-described embodiments and the OS running on the computer based on the instructions of the program Etc. perform part or all of the actual processing, and the functions of the above-described embodiments are also realized by the processing.

  Furthermore, a program read from a portable recording medium or a program (data) provided by a program (data) provider is stored in a memory provided in a function expansion board inserted into the computer or a function expansion unit connected to the computer. After being written, the CPU of the function expansion board or function expansion unit performs part or all of the actual processing based on the instructions of the program, and the functions of the above-described embodiments are realized by the processing. Can be done.

  That is, the present invention is not limited to the embodiments described above, and can take various configurations or shapes without departing from the gist of the present invention.

DESCRIPTION OF SYMBOLS 1 Automatic teller machine 2 Network 3 Image recording server 4 Transfer card 5 User image 6 Transfer card image 10 Passbook insertion part 11 Card insertion part 12 Coin depositing / withdrawing part 13 Banknote depositing / withdrawing part 14 Display input part 20 ATM control part 21 Main control unit 22 Memory 23 Hard disk 24 Host communication control unit 25 Screen display unit 26 Key input unit 27 Camera 28 IO control unit 30 Bill processing unit 40 Coin processing unit 50 Passbook processing unit 60 Card / receipt processing unit 61 CPU
62 Memory 63 Host Communication Control Unit 64 Internal Sensor Control Unit 65 Card Processing Unit 66 Image Sensor 67 Receipt Printing Unit 68 Transfer Card Issuing Unit

Claims (7)

A transfer card issuing system comprising an automatic teller machine and an image recording server connected to each other via a network,
The automatic teller machine is
Security code generating means for generating a security code uniquely determined from the input requesting client information;
A transfer card issuing means for issuing a transfer card that records the transfer transaction information including the input transfer requester information and the input payee account information and the security code generated by the security code generating means;
A transfer card printing means for printing a card name indicating that the transfer card issued by the transfer card issuing means is a transfer card and the transfer transaction information on the transfer card;
User image acquisition means for acquiring a user image;
A transfer card image acquisition means for acquiring an image of the transfer card on which the card name and the transfer transaction information are printed by the transfer card printing means;
The security code generated by the security code generation means, the user image acquired by the user image acquisition means, and the transfer card image acquired by the transfer card image acquisition means are associated with the transfer transaction information, Data transmission means for transmitting to the image recording server;
With
The image recording server includes:
Data receiving means for receiving the security code, the user image, the transfer card image, and the transfer transaction information transmitted from the automatic teller machine;
A card specific code generating means for generating a unique code associated with the transfer transaction information received by the data receiving means;
Data registration for registering the security code received by the data receiving means, the user image, the transfer card image, and the transfer transaction information and the card unique code generated by the card unique code generating means in association with each other in the database Means,
Card unique code notifying means for notifying the automatic teller machine of the card unique code generated by the card unique code generating means;
With
The automatic teller machine is
Card unique code receiving means for receiving the card unique code notified from the image recording server;
Card unique code writing means for recording the card unique code received by the card unique code receiving means on the transfer card issued by the transfer card issuing means;
A transfer card issuing system, further comprising:   The automatic teller machine, when executing the transfer process using the transfer card, when the security code recorded on the transfer card matches the security code generated by the security code generating means, The transfer card issuing system according to claim 1, wherein:   The transfer card issuing system according to claim 2, wherein the security code generating unit generates a security code based on account information of the transfer requester information.   The automatic teller machine, when executing the transfer process using the transfer card, when the transfer card image read by the transfer card image acquisition means matches the transfer card image registered in the database, The transfer card issuing system according to claim 1, wherein:   The image recording server specifies a user image corresponding to transfer requester information recorded on the transfer card when the automatic teller machine does not execute the transfer process when executing the transfer process using the transfer card. The transfer card issuance system according to any one of claims 2 to 4, wherein: An automatic teller machine connected to an image recording server via a network,
Security code generating means for generating a security code uniquely determined from the input requesting client information;
A transfer card issuing means for issuing a transfer card that records the transfer transaction information including the input transfer requester information and the input payee account information and the security code generated by the security code generating means;
A transfer card printing means for printing a card name indicating that the transfer card issued by the transfer card issuing means is a transfer card and the transfer transaction information on the transfer card;
User image acquisition means for acquiring a user image;
A transfer card image acquisition means for acquiring an image of the transfer card on which the card name and the transfer transaction information are printed by the transfer card printing means;
The security code generated by the security code generation means, the user image acquired by the user image acquisition means, and the transfer card image acquired by the transfer card image acquisition means are associated with the transfer transaction information, Data transmission means for transmitting to the image recording server;
Card unique code receiving means for receiving a card unique code associated with the transfer transaction information by the image recording server from the image recording server;
Card unique code writing means for recording the card unique code received by the card unique code receiving means on the transfer card issued by the transfer card issuing means;
An automatic teller machine, comprising: An image recording server connected to the automatic teller machine according to claim 6 via a network,
Data receiving means for receiving the security code, the user image, the transfer card image, and the transfer transaction information transmitted from the automatic teller machine;
A card specific code generating means for generating a unique code associated with the transfer transaction information received by the data receiving means;
Data registration for registering the security code received by the data receiving means, the user image, the transfer card image, and the transfer transaction information and the card unique code generated by the card unique code generating means in association with each other in the database Means,
Card unique code notifying means for notifying the automatic teller machine of the card unique code generated by the card unique code generating means;
An image recording server comprising: