JP7067939B2 - Automatic teller machine - Google Patents

Description

The present invention relates to an automated teller machine equipped with a suspicious behavior monitoring function.

Conventionally, in order to prevent transfer fraud due to detection of mobile phone use, for example, as disclosed in Patent Document 1, there is a technique of stopping a transaction when the use of a mobile phone is detected during a transfer transaction.
Further, as disclosed in Patent Document 2, there is a technique for prohibiting abnormality notification when the use of a mobile phone is detected by image recognition while using a guide phone provided in an automated teller machine. With this technology, when inquiries from users of automated teller machines and visually impaired people listen to operation guidance, the guidephone is detected as being used by a mobile phone while using the guidephone, and an abnormality is notified. Can be prevented.

Japanese Unexamined Patent Publication No. 2010-15406 Japanese Unexamined Patent Publication No. 2010-108425

With the conventional mobile phone usage detection function, it is difficult to identify whether the call is related to a transfer fraud, and the transfer transaction may be stopped even when the call is not related to the transfer fraud.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide an automated teller machine capable of improving the detection accuracy of suspicious transactions.

In order to achieve the above object, the automated teller machine according to the first aspect has an operation guide unit that provides operation guidance to the user and accepts input from the user based on the operation by the user, and the use. A telephone use detection unit that detects the use of the user's telephone based on a photographed image of the user, and a transaction elapsed time determination unit that determines the transaction elapsed time of the user based on the operation status of the operation guidance unit. It is provided with a guidance control unit that controls the operation guidance based on the detection result of the user's telephone use and the transaction elapsed time of the user.

According to the present invention, the accuracy of detecting suspicious transactions can be improved.

FIG. 1 is a block diagram showing a functional configuration of the automated teller machine according to the first embodiment. FIG. 2 is a flowchart showing a process during a transfer transaction of the automatic teller machine of FIG. FIG. 3 is a diagram showing a screen display example of the abnormality notification A of FIG. FIG. 4 is a diagram showing a screen display example of question Q1 of FIG. FIG. 5 is a diagram showing a screen display example of the abnormality notification B of FIG. FIG. 6 is a block diagram showing a functional configuration of the automated teller machine according to the second embodiment. FIG. 7 is a block diagram showing a hardware configuration of the automated teller machine of FIG. 1 or FIG.

The embodiments will be described with reference to the drawings. It should be noted that the embodiments described below do not limit the invention according to the claims, and all of the elements and combinations thereof described in the embodiments are indispensable for the means for solving the invention. Is not always.

(First Embodiment)
FIG. 1 is a block diagram showing a functional configuration of the automated teller machine according to the first embodiment.
In FIG. 1, the automated teller machine 1 is provided with a user operation screen 2, a guide phone 3, a guide phone hook 5, a camera 6, and a control unit 7. The control unit 7 is provided with a telephone use detection unit 8, a transaction elapsed time determination unit 12, a transaction amount determination unit 13, a determination information storage unit 14, and a guidance control unit 15. The telephone use detection unit 8 is provided with a shooting control unit 9, an image recognition unit 10, and a detection determination continuous number control unit 11.

The automated teller machine 1 can deposit, withdraw, and transfer cash. The user operation screen 2 provides operation guidance to the user and accepts input from the user based on the operation by the user. By operating the user operation screen 2, the user can select a transaction type, specify a transfer amount, and specify a transfer destination. For the user operation screen 2, for example, a touch panel can be used. At this time, operation items, operation guides, and the like are displayed on the touch panel, and the user can operate the automatic transaction device 1 by touching the touch panel.

The guide phone 3 is used when the user makes an inquiry to the monitoring center 4. The monitoring center 4 is connected to the control unit 7 via the network 16, and the operator in the monitoring center 4 handles a call. The guide phone hook 5 detects whether or not the user has removed the guide phone 3 from the hook. The on-hook indicates a state in which the guide phone 3 is not used, and the off-hook indicates a state in which the guide phone 3 is used. The camera 6 captures the user at the time of transaction. The control unit 7 controls the display contents of the user operation screen 2 based on the input result from the user operation screen 2.

The telephone use detection unit 8 detects the use of the user's telephone based on the image taken by the camera 5. The telephone referred to here is a mobile phone or a smartphone carried by a user who uses the automatic teller machine 1. The shooting control unit 9 controls shooting by the camera 5 so that an image of the user can be obtained at regular time intervals. The image recognition unit 10 recognizes the use of the user's telephone based on the image taken by the camera 5. The detection determination continuous number control unit 11 controls the continuous number of captured images recognized by the image recognition unit 10. At this time, the camera 5 can continuously shoot the user who uses the automatic teller machine 1 at regular time intervals set by the shooting control unit 9. Then, the image recognition unit 10 recognizes the use of the user's telephone by continuously recognizing the user's images taken at regular time intervals. Then, the telephone use detection unit 8 determines that the user is using the telephone when the number of continuous sheets recognized by the image recognition unit 10 as being used by the user's telephone is equal to or greater than the set value.

Here, if it is determined from one image whether or not the user is using the telephone, for example, when the user puts his hand near his ear to remove the hat from his head, the act is determined to be the use of the telephone. There are times. The act of the user removing the hat from the head is completed in a short time. Therefore, when the number of continuous sheets recognized by the image recognition unit 10 as being used by the user's telephone is equal to or greater than the set value, it is determined that the user is using the telephone, so that the user wears a hat from his head. It is possible to prevent the act of bringing the hand to the ear to take it from being determined to be the use of the telephone, and it is possible to improve the accuracy of determining the use of the telephone.

The transaction elapsed time determination unit 12 determines the transaction elapsed time of the user based on the operation status on the user operation screen 2. At this time, the transaction elapsed time determination unit 12 starts measuring the transaction elapsed time from the time when the transfer transaction button displayed on the user operation screen 2 is pressed. Then, the transaction elapsed time determination unit 12 determines whether or not the elapsed time from the time when the transfer transaction is selected to the time when the transfer amount is fixed exceeds the set value preset in the control unit 7.

The transaction amount determination unit 13 determines the transfer amount of the user based on the operation status on the user operation screen 2. At this time, the transaction amount determination unit 13 determines whether or not the transfer amount input by the user on the user operation screen 2 during the transfer transaction exceeds the set amount preset in the control unit 7.

The determination information storage unit 14 stores the detection result of the use of the telephone by the telephone use detection unit 8, the determination result of the transaction elapsed time by the transaction elapsed time determination unit 12, and the determination result of the transfer amount by the transaction amount determination unit 13. ..

The guidance control unit 15 controls the operation guidance of the user operation screen 2 based on the detection result of the use of the telephone, the determination result of the transaction elapsed time, and the determination result of the transfer amount. Here, the guidance control unit 15 detects that the use of the telephone is detected between the time when the transfer transaction is selected and the time when the transfer amount is confirmed, and the elapsed time from the time when the transfer transaction is selected to the time when the transfer amount is confirmed exceeds the set value. When it is determined, the abnormality notification and the response request regarding the transfer fraud can be displayed on the user operation screen 2. Alternatively, the guidance control unit 15 detects the use of the telephone between the time when the transfer transaction is selected and the time when the transfer amount is confirmed, and sets the transfer amount input by the user on the user operation screen 2 during the transfer transaction. When it is determined that the amount of money has been exceeded, an abnormality notification and a response request regarding the transfer fraud can be displayed on the user operation screen 2.

Here, in the transfer fraud, the user operates the user operation screen 2 according to the instruction from the criminal while listening to the instruction from the criminal via the telephone, so that the elapsed time from the time when the transfer transaction is selected to the time when the transfer amount is confirmed Becomes longer. In addition, in a transfer fraud, the criminal tries to deceive as much money as possible from the user, so that the transfer amount per transfer is also large.
Therefore, when the use of the telephone by the user is detected, the telephone related to the transfer fraud can be accurately identified by determining how much the transaction elapsed time or the transfer amount is.

FIG. 2 is a flowchart showing processing during a transfer transaction of the automatic teller machine of FIG. 1, FIG. 3 is a diagram showing a screen display example of abnormality notification A of FIG. 2, and FIG. 4 is a screen of question Q1 of FIG. FIG. 5 is a diagram showing a display example, and FIG. 5 is a diagram showing a screen display example of the abnormality notification B in FIG.
Hereinafter, the transfer fraud prevention function of the automated teller machine 1 of FIG. 1 will be described with reference to FIGS. 1 to 5.

In FIG. 2, when the user presses the transfer button displayed on the user operation screen 2 to start the transfer transaction (S1), the telephone use detection unit 8 detects the telephone use (S2) and determines the elapsed transaction time. The operation of the transaction elapsed time measurement (S3) by the unit 12 starts. After that, until the transfer amount is fixed, the telephone use detection unit 8 repeats the determination of the telephone use and the transaction elapsed time determination unit 12 repeats the determination of the transaction elapsed time (S4, S5). When the transfer amount is confirmed, the determination result of the telephone use by the telephone use detection unit 8 and the determination result of the transaction elapsed time by the transaction elapsed time determination unit 12 are stored in the determination information storage unit 14.

However, when the operation of the telephone use detection by the telephone use detection unit 8 starts, the guide phone hook 5 determines whether or not the guide phone 3 is off-hook until the transfer amount is fixed (S6). When the guide phone 3 is used, the guide phone 3 is determined to be off-hook, and the use of the guide phone 3 is detected. At this time, after the abnormality notification B (S7) is displayed on the user operation screen 2, the transaction is continued as usual (S8), and the transfer is completed (S9).

In the off-hook determination of the guide phone 3 in S6, if it is determined that the transfer amount is not off-hook by the time the transfer amount is confirmed, it is determined in S4 and S5 that the transfer amount has been confirmed, and the process proceeds to S10.

In S10, the determination result of the telephone use of S2 stored in the determination information storage unit 14 is checked. In S10, if the determination result of the telephone use in S2 is not the telephone use determination, the transaction is continued as usual (S8) and the transfer is terminated (S9). In S10, when the determination result of the telephone use of S2 is the telephone use determination, the determination result of the transaction elapsed time of S3 stored in the determination information storage unit 14 is checked (S11).

In S11, if the determination result of the transaction elapsed time in S3 is not the transaction elapsed time excess determination, the process proceeds to S12. In S12, it is checked whether or not the transfer amount exceeds the set amount set in the transaction amount determination unit 13. In S12, if the transfer amount is less than or equal to the set amount, the transaction is continued as usual (S8) and the transfer is completed (S9).

When S10 is a telephone use determination, if S11 is a transaction elapsed time excess determination or S12 is a transaction amount excess determination, the abnormality notification A is displayed (S13). After that, questions Q1 (S14) and Q2 (S15) confirming the possibility of transfer fraud are displayed on the user operation screen 2, and the user is requested to answer on the user operation screen 2. If the user answers "yes" to any of the questions Q1 and Q2, a message to the effect that the transaction the user is trying to make may be a transfer fraud is displayed on the screen (S16). After that, a question Q3 asking whether to cancel the transaction is displayed on the user operation screen 2 (S17), and when the user answers "Yes", the image of the user is saved and the transfer transaction is canceled. (S18). If the user answers "No" to any of the questions Q1, Q2, and Q3, the transaction is continued as usual (S8) and the transfer is completed (S9).

In the process of FIG. 2, in the case of the telephone use determination, a method of proceeding to the display of the abnormality notification A when either the transaction elapsed time excess determination or the transaction amount excess determination is satisfied has been described. In the case of the usage determination, when both the conditions of the transaction elapsed time excess determination and the transaction amount excess determination are satisfied, the display of the abnormality notification A may be performed.

Hereinafter, specific examples of wording to be displayed in S7, S13, S14, S15, S16, and S17 of this embodiment will be shown.
Abnormality notification A (S13): Detected that you are using the phone (displayed for 2 seconds on the screen).
Abnormality notification B (S7): Detected that you are using a telephone (displayed for 0.5 seconds at the edge of the screen).
Message about transfer fraud (S16): The customer may be in a "transfer fraud". We strongly recommend that you stop the transfer process.
Question Q1 (S14): Are you operating while being instructed by someone?
Question Q2 (S15): Did anyone instruct you to come in front of the ATM?
Question Q3 (S17): Do you want to cancel the transaction?

As shown in FIG. 3, the abnormality notification A (S13) can be displayed in the center of the user operation screen 2 for 2 seconds. The message (S16) relating to the transfer fraud can also be displayed in the center of the user operation screen 2 for 2 seconds.

As shown in FIG. 4, the question Q1 (S14) can be displayed in the center of the user operation screen 2, and can also display a button 2A "Yes" and a button 2B "No" as answer selection keys. .. Question Q1 and buttons 2A and 2B continue to be displayed for a certain period of time until the user presses the answer selection key. Question Q2 (S15) and Question Q3 (S17) can be displayed in the same manner as Question Q1, but the wording is as described above. As shown in FIG. 5, the abnormality notification B (S7) is small and can be displayed for 0.5 seconds on the screen edge of the user operation screen 2.

In the process of FIG. 2, when the guide phone 3 is determined to be off-hook, the abnormality notification B (S7) is displayed on the user operation screen 2, but the operator may be notified. good. At this time, the user can talk to the operator by using the guide phone 3.

FIG. 6 is a block diagram showing a functional configuration of the automated teller machine according to the second embodiment.
In FIG. 6, the automated teller machine 21 is provided with a control unit 27 instead of the control unit 7 of FIG. The control unit 27 is provided with a call detection unit 28 instead of the telephone use detection unit 8 of FIG. The call detection unit 28 is provided with a voice recognition unit 29 and a call time detection unit 30. Further, the automatic teller machine 21 is provided with a microphone 26.

The call detection unit 28 detects a call made by the user's telephone. The voice recognition unit 29 recognizes the user's voice. The talk time detection unit 30 detects the talk time of the user's telephone. Here, the talk time detection unit 30 starts measuring the talk time by the user's telephone when the guide phone 3 is determined to be on-hook. The call time can be measured from the time when the transfer transaction is selected to the time when the transfer amount is confirmed. Then, when the talk time exceeds the set value between the time when the transfer transaction is selected and the time when the transfer amount is confirmed, the guidance control unit 15 displays an abnormality notification and a response request regarding the transfer fraud on the user operation screen 2. Can be done.

Further, the voice recognition unit 29 can recognize the conversation of the user, and can recognize, for example, whether or not the user is talking with the other party in a polite language. When the user is talking with the other party in polite language, the call detection unit 28 determines that the other party is not the user's son, and sends an abnormality notification and a response request regarding the transfer fraud on the user operation screen 2. Can be displayed on.

Alternatively, the call detection unit 28 combines the user's telephone call detection result and the transaction elapsed time determination unit 12 to display the abnormality notification and response request regarding the transfer fraud. You may. For example, the call detection unit 28 detects a call by the user's telephone between the time when the transfer transaction is selected and the time when the transfer amount is confirmed, and the transaction elapsed time determination unit 12 is from the time when the transfer transaction is selected until the time when the transfer amount is confirmed. When it is determined that the elapsed time of the above has exceeded the set value, the abnormality notification and the response request regarding the transfer fraud can be displayed on the user operation screen 2.

Alternatively, the call detection unit 28 may combine the user's telephone call detection result and the transaction amount determination unit 13 to display the abnormality notification and response request regarding the transfer fraud. good. For example, the call detection unit 28 detects a call by the user's telephone between the time when the transfer transaction is selected and the time when the transfer amount is confirmed, and the transaction amount determination unit 13 is on the user operation screen 2 during the transfer transaction. When it is determined that the transfer amount input by the user exceeds the set amount, an abnormality notification and a response request regarding the transfer fraud can be displayed on the user operation screen 2.

FIG. 7 is a block diagram showing a hardware configuration of the automated teller machine of FIG.
In FIG. 7, the automated teller machine 1 is provided with a processor 51, a communication control device 52, a communication interface 53, a main storage device 54, and an external storage device 55. The processor 51, the communication control device 52, the communication interface 53, the main storage device 54, and the external storage device 55 are connected to each other via the internal bus 56. The main storage device 54 and the external storage device 55 are accessible from the processor 51.

Further, as an input / output interface of the automatic transaction device 1, an input device 60, an output device 70, and a camera 80 are provided. The input device 60, the output device 70, and the camera 80 are connected to the internal bus 56.

The processor 51 is hardware that controls the operation of the entire automated teller machine 1. The main storage device 54 can be composed of, for example, a semiconductor memory such as SRAM or DRAM. The main storage device 54 may be provided with a work area for storing a program being executed by the processor 51 or for the processor 51 to execute the program.

The external storage device 55 is a storage device having a large storage capacity, and is, for example, a hard disk device or an SSD (Solid State Drive). The external storage device 55 can hold executable files of various programs. The transaction monitoring program 55A can be stored in the external storage device 55. When the processor 51 reads the transaction monitoring program 55A into the main storage device 54 and executes the monitoring program 55A, the transfer fraud prevention function of the automatic teller machine 1 of FIG. 1 can be realized.

The communication control device 52 is hardware having a function of controlling communication with the outside. The communication control device 52 is connected to the network 59 via the communication interface 53. The automated teller machine 1 can communicate with the monitoring center 4 via the communication interface 53. As the input device 60 and the output device 70, a touch panel or the like that combines a touch pad for the user of the automated teller machine 1 to input various operations and a liquid crystal panel for displaying various information can be used.
The embodiments described above are examples for the purpose of explaining the present invention, and the scope of the present invention is not limited to those embodiments. Those skilled in the art can practice the invention in various other embodiments without departing from the gist of the invention.

1 ... Automatic transaction device, 2 ... User operation screen, 3 ... Guide phone, 4 ... Monitoring center, 5 ... Guide phone hook, 6 ... Camera, 7 ... Control unit, 8 ... Telephone use detection unit, 9 ... Shooting control unit 10 ... Image recognition unit, 11 ... Detection judgment continuous number control unit, 12 ... Transaction elapsed time judgment unit, 13 ... Transaction amount judgment unit, 14 ... Judgment information storage unit

Claims (7)

An operation guide unit that provides operation guidance to the user and accepts input from the user based on the operation by the user.
A telephone use detection unit that detects the use of the user's telephone based on the captured image of the user, and a telephone use detection unit.
A transaction elapsed time determination unit that determines the transaction elapsed time of the user based on the operation status of the operation guide unit, and a transaction elapsed time determination unit.
It is provided with a guidance control unit that controls the operation guidance based on the detection result of the user's telephone use and the transaction elapsed time of the user.
The telephone use detection unit detects the use of the telephone between the time when the transfer transaction is selected and the time when the transfer amount is confirmed.
Moreover, when the transaction elapsed time determination unit determines that the elapsed time from the time when the transfer transaction is selected to the time when the transfer amount is confirmed exceeds the set value,
After displaying the first abnormality notification on the operation guidance unit, the guidance control unit displays a plurality of questions to answer "yes" or "no" to the user, and all of the plurality of questions are described as described above. An automated teller machine that continues trading if the user answers "no" . A guide phone that gives operation guidance to the user by voice,
Further equipped with a guidephone hook for detecting whether or not the guidephone is disengaged from the hook,
The automated teller machine according to claim 1 , wherein when it is detected that the guide phone is disconnected from the hook, the guide control unit performs a second abnormality notification different from the first abnormality notification. The telephone use detection unit is
A shooting control unit that controls shooting so that images of the user are obtained at regular time intervals, and
An image recognition unit that recognizes the use of the user's telephone based on the image taken by the user, and
A detection determination continuous number control unit for controlling the continuous number of captured images recognized by the image recognition unit is provided.
Claim 1 that the telephone use detection unit determines that the user is using the telephone when the number of continuous sheets recognized by the image recognition unit as the use of the user's telephone is equal to or more than a set value. The automated teller machine described in. An operation guide unit that provides operation guidance to the user and accepts input from the user based on the operation by the user.
A telephone use detection unit that detects the use of the user's telephone based on the captured image of the user, and a telephone use detection unit.
A transfer amount determination unit that determines the transfer amount of the user based on the operation status of the operation guide unit, and a transfer amount determination unit.
It is provided with a guidance control unit that controls the operation guidance based on the detection result of the user's telephone use and the transfer amount of the user.
The telephone use detection unit detects the use of the telephone between the time when the transfer transaction is selected and the time when the transfer amount is confirmed.
And when the transfer amount determination unit determines that the transfer amount exceeds the set amount,
After displaying the first abnormality notification on the operation guidance unit, the guidance control unit displays a plurality of questions to answer "yes" or "no" to the user, and all of the plurality of questions are described as described above. An automated teller machine that continues trading if the user answers "no" . Further provided with a transaction elapsed time determination unit for determining the transaction elapsed time of the user based on the operation status of the operation guide unit.
The telephone use detection unit detects the use of the telephone between the time when the transfer transaction is selected and the time when the transfer amount is confirmed.
And when the transfer amount determination unit determines that the transfer amount exceeds the set amount,
or,
The telephone use detection unit detects the use of the telephone between the time when the transfer transaction is selected and the time when the transfer amount is confirmed.
Moreover, when the transaction elapsed time determination unit determines that the elapsed time from the time when the transfer transaction is selected to the time when the transfer amount is confirmed exceeds the set value,
The automated teller machine according to claim 4 , wherein the guidance control unit displays the first abnormality notification and the plurality of questions on the operation guidance unit. A guide phone that gives operation guidance to the user by voice,
Further equipped with a guidephone hook for detecting whether or not the guidephone is disengaged from the hook,
The automated teller machine according to claim 4 , wherein when it is detected that the guide phone is disconnected from the hook, the guide control unit performs a second abnormality notification different from the first abnormality notification. The telephone use detection unit is
A shooting control unit that controls shooting so that images of the user are obtained at regular time intervals, and
An image recognition unit that recognizes the use of the user's telephone based on the image taken by the user, and
A detection determination continuous number control unit for controlling the continuous number of captured images recognized by the image recognition unit is provided.
4. The telephone use detection unit determines that the user is using the telephone when the number of continuous sheets recognized by the image recognition unit as being used by the user's telephone is equal to or greater than a set value. The automated teller machine described in.

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