JP7770056B1 - Exchange system and exchange method - Google Patents

Abstract

[Problem] In an exchange system with anti-money laundering measures, when the same exchanger has multiple currency exchange machines, it is possible to appropriately perform currency exchange operations with exchange restrictions. [Solution] The system includes a control unit 42a and a log information storage unit 42b in an exchanger server 42. The control unit 42a causes each currency exchange machine 10 to execute a response process to refuse currency exchange when a specific customer identified based on readout personal identification information read from the IC card reader 16 of each currency exchange machine 10 is a person subject to predetermined economic sanctions. The log information storage unit 42b stores log information linking the readout personal identification information of each currency exchange machine 10, the content of the response process instructed to each currency exchange machine 10 for the specific customer, the date and time the response process was performed, and the exchanger ID of each currency exchange machine 10. [Selected Figure] Figure 2

Description

Article 30, Paragraph 2 of the Patent Act applies January 24, 2024 Advance email regarding product description February 15, 2024 Anti-money laundering and safety measures seminar March 5, 2024 Product description for those absent from the seminar

The present invention relates to an exchange system and method for exchanging foreign currency into local currency and vice versa.

Patent Document 1 discloses a currency exchange system that equips a currency exchange machine with a passport reader, reads personal identification information from the passport presented by the customer, identifies the customer, and limits the amount and number of exchanges that can be made by the same customer. This currency exchange system also refuses to exchange currency if it determines from the customer's personal identification information that the customer is on a blacklist as an anti-money laundering measure.

Japanese Patent Application Laid-Open No. 2020-181329

The currency exchange system in Patent Document 1 only limits the amount of currency exchanged for the same customer to a single currency exchange machine. Therefore, if the same currency exchanger conducts currency exchange operations using multiple currency exchange machines, there is a risk that the same customer may exchange currency using multiple currency exchange machines operated by the same company, resulting in an exchange that exceeds the limit across all of the multiple currency exchange machines.

The object of the present invention is to provide a currency exchange system and method that enables currency exchange operations with exchange restrictions to be carried out appropriately across multiple currency exchange machines managed by the same currency exchange company while taking measures against money laundering.

The currency exchange system of the present invention comprises:
a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa;
an information processing device that causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine;
A currency exchange system comprising:
The information processing device includes:
a control unit that causes each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identification information when the specific customer falls under a person who is subject to predetermined economic sanctions; and
a log information storage unit that stores, as stored log information, log information that links the read individual identifying information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine;
It is equipped with:

The currency exchange method of the present invention comprises:
a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa;
an information processing device including a computer, which causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine;
A currency exchange method applied to a currency exchange system comprising:
The computer,
a step of causing each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identifying information when the specific customer falls under a person who is subject to predetermined economic sanctions;
storing, as retained log information, log information linking the read individual identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine;
Execute the following.

According to the present invention, as an anti-money laundering measure, if a specific customer identified by each currency exchange machine based on the read-out personal identification information falls under a specific economic sanctions target, each currency exchange machine can execute a response process to refuse to exchange currency for the specific customer. Furthermore, log information linking the read-out personal identification information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as its response to the specific customer, the date and time the response process was performed, and the exchange machine ID serving as an identifier for each currency exchange machine is stored as retained log information. Therefore, by utilizing these multiple retained log information, it is possible to appropriately perform exchange operations with exchange restrictions across multiple currency exchange machines.

FIG. 1 is a schematic front view of a currency exchange machine. FIG. 1 is a diagram illustrating the configuration of an Internet system including a currency exchange system. FIG. 1 is an explanatory diagram illustrating a customer exchanging foreign currency into local currency at a currency exchange machine. FIG. 1 is an explanatory diagram illustrating a customer exchanging local currency into foreign currency at a currency exchange machine. 10 is a flowchart of a response process executed by a currency exchange machine in response to a currency exchange request from a customer. 10 is a flowchart of a process executed by a merchant server to instruct a currency exchange machine. 10 is a flowchart of a customer ID integration process 1 executed by a trader server. 10 is a flowchart of a customer ID integration process 2 executed by the trader server. 7 is a flowchart of the main part of the instruction process in which measures to prevent abuse of reverse exchange by specific customers are added to the instruction process of FIG. 6 .

Embodiments of the present invention are described below. The present invention is not limited to these embodiments. The present invention encompasses configurations that correspond to modifications, additions, or deletions that a person skilled in the art may make to the embodiments within the scope of the technical concept of the present invention.

(Currency exchange machine)
1 is a schematic front view of a currency exchange machine 10. The currency exchange machine 10 is installed, for example, in the head office or branch of a financial institution such as a bank, or in facilities frequented by many tourists and business travelers, such as airports and tourist facilities. This currency exchange machine 10 is capable of exchanging not only foreign currency into local currency, but also local currency into foreign currency.

A customer wishing to exchange currency (hereinafter, a customer before being identified as a specific individual using personal identification information, described below, will be referred to as "Customer Ca") first inserts their IC card 50 (Figure 3) into the IC card reader 16, or inserts their passport 56 (Figure 3) into the passport reader 28, which is an image scanner.

The IC card reader 16 reads data including personal identification information stored in the IC chip 52 (Figure 3) of the IC card 50.

In response to this, the passport reader 28 reads the personal identification information printed on the passport 56 as an image and converts it into text data using OCR (Optical Character Recognition/Reader). When the passport 56 is opened, it occupies the space of two pages, the left and right pages. The image scanner in the passport reader 28 is large enough to scan one page of the passport 56, so customer Ca opens the passport 56 and inserts the page containing the passport number into the passport reader 28, which then reads customer Ca's personal identification information.

When the IC card 50 is inserted into the IC card reader 16 or the passport 56 is inserted into the passport reader 28, various information and menu screens are displayed on the display 12, and customer Ca selects the desired attribute number on the display 12 screen using the numeric keypad 18, and selects and instructs the currency exchange machine 10 to perform the desired process for this exchange.

The IC card 50 may be, for example, a bank cash card with an IC chip, a driver's license with an IC chip, a credit card with an IC chip, or a My Number card. The passport 56 inserted into the passport reader 28 may have either an IC chip or no IC chip. Furthermore, the IC card reader 16 and the passport reader 28 correspond to the personal identification information reader of the present invention.

Since passports 56 with IC chips are a different size than IC cards 50, the IC card reader 16 cannot read the data from the IC chip of passports 56 with IC chips. In order to directly read data from the IC chip of passports 56 with IC chips, an IC chip reader that reads data from the IC chip can be added to the currency exchange machine 10 specifically for passports 56 with IC chips. Data read from an IC chip reader specifically for passports 56 with IC chips can be processed in the same way as data read from the IC chip 52 of an IC card 50 by the IC card reader 16.

In addition, banks and credit card companies have customers who hold magnetic stripe cash cards or magnetic stripe credit cards rather than IC cards 50. To enable currency exchange using the currency exchange machine 10 for such customers, the currency exchange machine 10 can be equipped with a magnetic stripe card reader that can read the magnetic stripe data on magnetic stripe cards, either together with the IC card reader 16 or separately from the IC card reader 16, or the IC card reader 16 can be equipped with a magnetic stripe data reading function.

The term "card with storage medium" is used to refer to IC cards 50 and magnetic stripe cards collectively. Furthermore, the information stored in the magnetic stripe, which serves as the storage medium in magnetic stripe cards, includes the customer's personal identification information.

The cash currency in the form of banknotes and coins that customer Ca wishes to exchange is inserted into the banknote insertion slot 20 and coin insertion slot 24, respectively. The exchanged cash currency in the form of banknotes or coins is discharged from the banknote ejection slot 22 and coin ejection slot 26, respectively. When the exchange process for customer Ca is completed, a receipt printed with information about the exchange process is discharged from the receipt ejection slot 14, which customer Ca can use to verify the exchange.

This currency exchange machine 10 can accept coins as well as banknotes as the pre-exchange and post-exchange currency, but it may also be configured to only accept banknotes. In that case, the coin insertion slot 24 and coin ejection slot 26 are removed from the currency exchange machine 10. It is also possible to only accept coins when the local currency (yen) is selected as the post-exchange currency, and to remove the coin insertion slot 24 from the currency exchange machine 10, leaving only the coin ejection slot 26.

(Exchange system)
FIG. 2 is a configuration diagram of an Internet system 40 including a currency exchange system 48. Currency exchangers 10a, 10b, ..., 10n refer to n (where n is plural) currency exchangers 10 managed by the same currency exchanger (hereinafter, for convenience of explanation, this currency exchanger will be referred to as "currency exchanger Ba") and are deployed in multiple different locations (e.g., within each store of the head office or branch of currency exchanger Ba and outside the store under the jurisdiction of the head office or branch). The currency exchanger Ba may be a financial institution such as a bank or a specialized currency exchanger, and may have multiple currency exchangers 10 in the same location (e.g., in the same store or facility). Each of the n currency exchangers 10 is assigned a currency exchanger ID as an identifier for mutual identification.

The economic sanctions information holding server 44 is operated by a designated government or quasi-government agency (e.g., JCIF (Center for International Finance)). The n currency exchange machines 10, the merchant server 42 of merchant Ba, and the economic sanctions information holding server 44 are connected to the Internet 46. The n currency exchange machines 10 and the merchant server 42 constitute an exchange system 48 according to an embodiment of the present invention. The economic sanctions information holding server 44 may or may not be included as a component of the exchange system 48.

The agent server 42 further includes a control unit 42a and a log information storage unit 42b. The control unit 42a instructs the currency exchange machine 10 on the response content to be used in the corresponding response processing in response to the exchange requested by customer Ca to the currency exchange machine 10. The log information storage unit 42b stores log information Li2, described below, in its own DB (database). The agent server 42 is also capable of sending and receiving information necessary for the exchange business via the Internet 46 with organizations, including affiliated and associated financial companies, in addition to the economic sanctions information storage server 44.

(Exchange of foreign currency into local currency)
3 is an explanatory diagram of customer Ca exchanging foreign currency for local currency in the currency exchange machine 10. This currency exchange machine 10 can exchange multiple types of foreign currency, such as U.S. dollars, euros, Chinese yuan, and South Korean won. In this example, the local currency is the yen.

When exchanging currency, customer Ca inserts his/her IC card 50 into the IC card reader 16. The IC card 50 has an IC chip 52 built in.

If IC card 50 is a bank cash card with an IC chip 52 or a credit card with a cash advance function, customer Ca can not only receive the exchanged local currency as cash, but also deposit the exchanged currency into a bank account associated with IC card 50 or apply it to a repayment to a credit card company. Customer Ca can select the destination for the exchanged currency from the menu screen on display 12. Bank cash cards with IC chip 52 or credit cards with a cash advance function are typically issued by business operator Ba itself or by a financial company that has an affiliated relationship with business operator Ba (the same applies to the case shown in Figure 4 below).

(Exchange of local currency into foreign currency)
4 is an explanatory diagram of when customer Ca exchanges local currency for foreign currency in the currency exchange machine 10. Customer Ca inserts his/her IC card 50 into the IC card reader 16.

If the IC card 50 is a bank cash card with an IC chip 52 or a credit card with a cash withdrawal function, customer Ca can insert cash into the bill slot 20 or coin slot 24 as the local currency before exchange, or can use deposits or cash withdrawals from a bank account associated with the IC card 50 as the currency to be exchanged. Customer Ca can select the source of the currency to be exchanged from the menu screen on the display 12.

(Currency exchange machine response processing)
5 is a flowchart of a response process executed by the currency exchange machine 10 in response to a currency exchange request from a customer. This response process is executed by a computer implemented in the currency exchange machine 10. In the following explanation of each step, although strictly speaking the subject is a computer, for the sake of simplicity, the explanation will be given assuming that the subject is the currency exchange machine 10. The currency exchange machine 10 starts the process of FIG. 5 when the IC card reader 16 or the passport reader 28 is activated.

In STEP 100, the currency exchange machine 10 determines whether the personal identification information reader that reads the presentation medium presented by customer Ca is the IC card reader 16 or the passport reader 28. If the personal identification information reader is the IC card reader 16, the currency exchange machine 10 proceeds to STEP 102; if the personal identification information reader is the passport reader 28, the currency exchange machine 10 proceeds to STEP 104.

In STEP 102, the currency exchange machine 10 reads the personal identification information stored as data in the IC chip 52 of the IC card 50 using the IC card reader 16. In STEP 104, the currency exchange machine 10 reads the personal identification information printed on the passport 56 using the passport reader 28. When reading in STEP 104, OCR software is used to convert the personal identification information printed on the passport 56 into text data.

While there are some differences depending on the type of IC card 50 and the issuer, the data read from the IC chip 52 of the IC card 50 reveals the following common attributes: (a1) name, (a2) address, (a3) date of birth, (a4) gender, (a5) nationality, and (a6) ID (for example, the personal number on a My Number card and the license number on an IC driver's license are unique and can be used as a customer ID). Even if these common attributes are not directly read from the IC chip 52, attributes that can be indirectly obtained by referencing the customer database owned by the business operator Ba based on the directly read attribute information can also be included in the attributes of personally identifiable information.

With certain IC cards, other attributes such as (a7) a photograph of the customer may be obtained directly or indirectly (e.g., a driver's license with an IC chip). By additionally equipping the currency exchange machine 10 with a camera, it is possible to determine whether customer Ca is the genuine owner of the IC card 50 through facial recognition. In addition, the customer's photograph itself can be used alone as a customer ID.

The personal identification information of the passport 56 read from the passport reader 28 includes the attributes (b1) name, (b2) address, (b3) date of birth, (b4) gender, (b5) nationality, and (b6) ID (passport number), as well as other attributes (b7) expiration date and (b8) issue date. The passport number of the passport 56 can be used alone as a customer ID.

As personal identification information, the pairs (a1)-(a5) and (b1)-(b5) have the same attribute, and customer Ca's personal identification information can be determined from both (a1)-(a5) and (b1)-(b5).

In STEP 106, the currency exchange machine 10 acquires the specific exchange details specified by customer Ca for this exchange. Customer Ca can specify the exchange details using the numeric keypad 18 from items displayed on the selection menu screen of the currency exchange machine 10 (e.g., currency before exchange, currency after exchange, source and destination of allocation, etc.).

In STEP 108, the currency exchange machine 10 transmits log information Li1 to the agent server 42. Log information Li1 links the personal identification information read in STEP 102 or STEP 104, various attribute information (e.g., exchange amount, etc.) obtained in STEP 106, and additional information. The additional information includes, for example, the type of IC card 50 (e.g., cash card or credit card), the issuing company of the IC card 50, whether the current exchange is from foreign currency to local currency or from local currency to foreign currency, the exchange machine ID as the ID of the currency exchange machine 10, and the transmission date and time. The transmission date and time can also be replaced by the read date and time in STEP 102 or STEP 104, which is considered to be substantially the same as the transmission date and time.

In STEP 110, the currency exchange machine 10 waits to receive instruction Da from the agent server 42. Then, upon receiving instruction Da, the process proceeds to STEP 112.

In STEP 112, the currency exchange machine 10 executes the exchange process corresponding to instruction Da. The contents of instruction Da will be explained in the following Figure 6.

(Processing instructions from vendor server)
6 is a flowchart of the instruction process executed by the agent server 42 to issue instructions to the currency exchange machine 10. The instruction process is specifically executed by a computer installed in the agent server 42, but for ease of explanation, the subject of each process below will be described simply as the agent server 42, rather than as the computer of the agent server 42. The agent server 42 starts the instruction process when it receives log information Li1 from any of the currency exchange machines 10.

In STEP 120, the vendor server 42 determines whether or not log information Li1 has been received. If it has been received, the process proceeds to STEP 122; if it has not been received, the process ends.

In STEP 122, the dealer server 42 identifies customer Ca based on the received log information Li1 (more specifically, the attributes related to personal identification information among the attributes in log information Li1). Hereinafter, the identified customer will be referred to as specific customer Pa.

In STEP 124, the dealer server 42 determines whether the specific customer Pa is a person subject to sanctions. If the determination is affirmative, the dealer server 42 sets instruction Da to instruction Da24 and proceeds to STEP 140; if the determination is negative, the dealer server 42 proceeds to STEP 126.

Instruction Da24 amends the instructions of instruction Da to refuse currency exchange because specific customer Pa is a person subject to sanctions.

The initial value of the instruction Da is set as the instruction Dai when the instruction process of Figure 6 is started. When the instruction process of Figure 6 is started, not only the instruction Da but also certain parameters are reset to their initial values. The instruction Dai instructs the currency exchange machine 10 to allow the currency exchange to be carried out in accordance with the details specified by the specific customer Pa for this currency exchange. When the instruction Da passes STEP 138 (described below) with a negative determination, the instruction Da in the next STEP 140 is maintained at the initial value of the instruction Dai.

The determination of whether a specific customer Pa is a sanctioned person will be explained in detail below. An example of an economic sanctions information holding server 44 is a server managed by the Japan Center for International Finance (JCIF). JCIF publishes a list of sanctioned persons, i.e., individuals and organizations designated as targets of economic sanctions measures such as asset freezes under the Foreign Exchange and Foreign Trade Act. Specifically, from this list, based on a notice issued by the Ministry of Foreign Affairs, it is possible to identify information such as the sanctioned person's (c1) name, (c2) address, (c3) date of birth, and (c5) nationality. Attributes (c1)-(c5) correspond to the attributes (a1)-(a5) described above.

In addition, (c4) gender is usually omitted from such lists. Furthermore, (c2) address/location information is often disclosed only at the beginning (for example, only the country, or only the country and city/town/village), rather than the entire address/location. Economic sanctions such as asset freezes under the Foreign Exchange and Foreign Trade Act require certain individuals to be prohibited from exchanging currencies in order to prevent money laundering and terrorist financing.

The dealer server 42, which is also a computer, references the sanctioned party list in the determination of STEP 124 by accessing the aforementioned JCIF (Center for International Financial Information) sanctioned party information periodically or whenever there is an update as a search engine for the dealer server 42's automatic sanctioned party inquiry system, pre-storing the information in its own storage device and referencing it. In addition, the dealer server 42 can also download Excel data uploaded to the Ministry of Finance website, partially modify the format (e.g., change full-width characters to half-width characters and underscores to spaces), pre-store it in its own storage device, and refer to it.

In STEP 124, if the specified customer Pa is listed on the referenced list of penalizers, the trader server 42 determines that the specified customer Pa is a penalizer. In particular, the trader server 42 determines whether there is a match in content between the same attributes (a1)-(a5) or (b1)-(b5) and (c1)-(c5) described above, and if all or part of the specified multiple attributes match, it can determine that the specified customer Pa is a penalizer.

The business operator (Ba) can independently decide which specific attributes to use when determining that a specific customer (Pa) is a person to be punished if some attributes match. However, to increase the effectiveness of money laundering prevention, it is also possible to immediately determine that a specific customer (Pa) is a person to be punished if, for example, at least the name as an attribute matches. Priorities may be set in advance in the business operator server (42) in the order of name, nationality, and date of birth, and each business operator (Ba) may be able to decide which attributes to select as attributes for matching in order of priority. Furthermore, when the text in (a1)-(a5) and (b1)-(b5) is in Japanese (e.g., katakana), it is converted to Roman alphabet text before determining whether it matches the English text in (c1)-(c5).

When the agent server 42 determines multiple attributes in the order of priority described above and determines whether a specific customer Pa is the same as a person listed on the sanctioned party list based on these multiple attributes, it may happen, although this is extremely rare, that the specific customer Pa matches the attribute with the highest priority on the list, but the sanctioned party list is blank or unknown for other lower-ranking attributes, making it impossible for the agent server 42 to determine whether they are the same. In such cases, the currency exchange system 48 displays a message such as "Please exchange at the counter" on the screen of the display 12 of the currency exchange machine 10, guiding the specific customer Pa to exchange at the counter from the currency exchange machine 10.

Consistency does not mean that the text is completely identical; rather, predetermined standards are created, and when it is determined to be identical based on those standards, it is determined to be substantially identical. In this case, a specific customer (Pa) may be identified as a penalizer even though they are not, but since there are very few penalizers on the trader (Ba) penalizer list, the probability of a misidentification occurring is low, and the inconvenience to customer (Ca) caused by a misidentification is extremely small.

In STEP 126, the agent server 42 determines whether the nationality of the specific customer Pa is a restricted nationality. If the determination is affirmative, the agent server 42 sets instruction Da to instruction Da26 and proceeds to STEP 140; if the determination is negative, the agent server 42 proceeds to the next STEP 128.

Instruction Da26 instructs the currency exchange machine 10 to refuse to exchange currency for specific customer Pa because he or she is of a restricted nationality.

The U.S. Office of Foreign Assets Control (OFAC) has designated countries such as the Democratic People's Republic of Korea, Iran, and Syria as restricted countries, and if Specified Customer Pa is a national of one of these restricted countries, Specified Customer Pa will be determined to be a customer of restricted nationality. Information on restricted nationalities is provided, for example, by the aforementioned JCIF.

In STEP 128, the agent server 42 references log information Li2 in its own DB. As will be described later in STEP 142, log information Li2 links log information Li1 with the information in +β. +β includes information on instruction Da that the agent server 42 instructed in STEP 140 to the currency exchange machine 10 that received log information Li1 in STEP 120.

Furthermore, the agent server 42 must process the various exchange restrictions for specific customer Pa after STEP 130, such as the period, number of times, amount, etc., as set values for the common period, total number of times, and total amount applied to all currency exchange machines 10a, 10b, ..., 10n, rather than setting them individually for each of the multiple currency exchange machines 10a, 10b, ..., 10n. Therefore, the log information Li2 that the agent server 42 references in STEP 128 is not just the log information Li2 for the current currency exchange machine 10 that received log information Li1 in STEP 120, but also all log information Li2 derived from all currency exchange machines 10 involved with specific customer Pa.

By referencing the log information Li2 in its own database, the dealer server 42 can learn the currency exchange history of a specific customer Pa for at least the most recent fixed period T28.

The following explanation of steps 130-138 is for processes dedicated to either the foreign currency to local currency exchange process E1 or the local currency to foreign currency exchange process E2. The setting values for the periods T30, T32, T36, T38, number of times N32, and amounts M36, M38 described in steps 130-138 can be set independently for exchange processes E1 and E2. Therefore, setting values with corresponding attributes in exchange processes E1 and E2 may be set to the same value or different values.

Before proceeding to processing STEP 130, the agent server 42 obtains the setting values for the corresponding period T30, T32, T36, T38, number of times N32, and amounts M36, M38, etc., depending on whether exchange processing E1 or E2 is being performed, by reading them from its own storage device.

Furthermore, in this embodiment, the set value for the amount in STEPs 130-138 is set as the amount converted into local currency (yen), regardless of whether exchange processing E1 or E2 is performed. Furthermore, the upper limit on the exchange amount is generally set as an amount including the exchange fee, but it may also be set as the actual exchange amount excluding the fee.

In STEP 130, the agent server 42 determines whether the current exchange for the specific customer Pa is within the time limit T30. If the determination is affirmative, the agent server 42 sets instruction Da to instruction Da30 and proceeds to STEP 140; if the determination is negative, the agent server 42 proceeds to STEP 132.

Instruction Da30 instructs that the current exchange for specific customer Pa should be rejected because it falls within the time limit T30. Note that this time limit T30 may be set as a period only for the current currency exchange machine 10 in which specific customer Pa is attempting to exchange. It may also be set as a period for all currency exchange machines 10 under the management of service provider Ba. Note that when period T30 is set as a period only for the current currency exchange machine 10, it may also be set to be shorter than period T30 set as a period for all currency exchange machines 10 under the management of service provider Ba.

The period T30 (e.g., 10 days) of the currency exchange time limit is the period during which currency exchanges from all of business Ba's currency exchange machines 10 are refused for the same customer during that period T30. For example, if a specific customer Pa exchanges currency at one of business Ba's currency exchange machines 10 on date (including year) D1, currency exchanges from all of business Ba's currency exchange machines 10 for the specific customer Pa will be refused during period T30 from the day following D1, including the day following D1.

In STEP 132, the agent server 42 determines whether the current exchange for the specific customer Pa exceeds the limit number N32 within the period T32. If the determination is affirmative, the agent server 42 sets instruction Da to instruction Da32 and proceeds to STEP 140; if the determination is negative, the agent server 42 proceeds to the next STEP 136.

Instruction Da32 indicates that the instruction Da should reject the exchange because the current exchange for specific customer Pa exceeds the limit number N32.

The limit on the number of currency exchanges means that the number of currency exchanges that can be made by the same customer from all of the currency exchange machines 10 of the service provider Ba within a period T32 (e.g., one day) including the day of the current currency exchange is limited to a maximum number N32 (e.g., one time). Note that the maximum number N32 within the period T32 may be set as the maximum number of times only for the currency exchange machine 10 that the specific customer Pa is attempting to exchange currency with, or may be set as the maximum number of times for all currency exchange machines 10 under the management of the service provider Ba. Note that the maximum number N32 may be set higher in the latter case than in the former case.

In STEP 136, the agent server 42 determines whether the current exchange from the currency exchange machine 10 for the specific customer Pa exceeds the upper limit amount M36 of the upper limit amount restriction for the period T36. If the determination is affirmative, the agent server 42 sets instruction Da to instruction Da36 and proceeds to STEP 140; if the determination is negative, the agent server 42 proceeds to the next STEP 138.

In STEP 138, the agent server 42 determines whether the exchanges from all currency exchange machines 10 of agent Ba for specific customer Pa exceed the upper limit amount M38 of the upper limit amount restriction for period T38. If the determination is affirmative, the agent server 42 changes instruction Da to instruction Da38 and proceeds to STEP 140; if the determination is negative, the agent server 42 proceeds to STEP 140 without changing instruction Da, i.e., keeping instruction Da at its initial value Dai.

Instruction Da38 indicates that the exchange should be rejected because the amount exceeds the upper limit M38 of the upper limit amount restrictions for the period T38 from all currency exchange machines 10 of business Ba for specific customer Pa.

The upper limit restriction in STEP 138 restricts the total exchange amount from all currency exchange machines 10 of business Ba for a specific customer Pa during the most recent period T38 (e.g., 1 day), including the day of the current exchange, to less than an upper limit M38 (e.g., 2 million yen).

In this embodiment, T36 = T38 and M36 = M38, but it is also possible to set T36 < T38 and M36 < M38.

In STEP 140, the merchant server 42 sends instruction Da to the currency exchange machine 10.

In STEP 142, the vendor server 42 saves log information Li2 in its own database. Log information Li2 links log information Li1, instruction Da, and +β. +β includes the customer ID as an identifier for the specific customer Pa and the date and time of transmission in STEP 140.

(Customer ID integration process 1 by merchant server)
7 is a flowchart of customer ID integration process 1 executed by the provider server 42. The provider server 42 performs customer ID integration process 1 between the customer ID derived from the IC card 50 and the customer ID derived from the passport 56. The customer IDs derived from the IC card 50 and the passport 56 are defined as customer IDs generated based on the personal identification information read from the IC chip 52 of the IC card 50 and the personal identification information read from the image of the passport 56, respectively.

Note that Figure 7 only describes an IC card 50 as a card with a storage medium, but instead of the IC card 50 alone, it is also possible to use a card with a magnetic stripe, or a card with a storage medium that includes both an IC card 50 and a card with a magnetic stripe.

The currency exchange system 48 can obtain personal identification information for customer Ca in two ways: by obtaining the IC from the IC chip 52 of the IC card 50 using the IC card reader 16, or by obtaining an image from the print on the passport 56 using the passport reader 28. This means that it is possible for the same customer Ca to be assigned a separate customer ID. Depending on how the currency exchange machine 10 is used, it is possible that the passport 56 could be used to make an exchange that exceeds the limit, even though the exchange using the IC chip 52 of the IC card 50 has already exceeded the limit. The process in Figure 7 is a measure to prevent such abuse.

In detail, customer ID integration process 1 is executed by a computer installed on the vendor server 42, similar to the instruction process in Figure 6. However, for ease of explanation, the following processes will be described with the vendor server 42 as the main processor. The vendor server 42 executes integration process 1 periodically, or each time new personal identification information is read by IC acquisition or image acquisition and a new customer ID for IC acquisition or image acquisition is registered.

In STEP 150, the dealer server 42 classifies, from the log information Li2 stored in its own DB, the log information Li2 for which the customer ID has not been integrated and the presentation medium is an IC card 50 as log information Li2a.

In STEP 152, the dealer server 42 classifies the log information Li2 stored in its own DB, in which the customer ID is not integrated and the presentation medium is a passport 56, as log information Li2b.

In STEP 154, the vendor server 42 compares the log information Li2a with the log information Lib and selects pairs in which the customer IDs differ from each other. Here, pairs in which the customer IDs differ from each other mean that the customer IDs may not have been changed to an integrated customer ID. The vendor server 42 then determines whether there is a match for a specific single or multiple attributes among the multiple attributes of the personal identification information of the pair, and if there is a match, changes the customer IDs of both to an integrated customer ID. Furthermore, the vendor server 42 also changes all customer IDs in the pair of log information Li2a, Li2b that are determined to have a match and that have the same customer ID as the customer ID in log information Li2a, and all customer IDs in log information Li2 that have the same customer ID as the customer ID in log information Li2b, to the integrated customer ID.

Additionally, the data formats of the passport 56 and the IC card 50 usually differ. The data format of the passport 56 is Roman characters, while the data format of the bank's cash card (IC card 50) is half-width kana. In such cases, the agent server 42 converts the data format of one of the two into the other data format, and then compares the log information Li2a with the log information Lib in STEP 154. For example, the half-width kana on the cash card is converted to Roman characters to match the data format of the passport 56.

In STEP 156, the vendor server 42 determines whether there are any pairs of log information Li2a and log information Li2b in which the customer IDs are different and the matching of the personal identification information has not been determined. If the determination is positive, the vendor server 42 returns the process to STEP 154; if the determination is negative, the process ends.

(Customer ID integration process 2 by merchant server)
8 is a flowchart of customer ID integration process 2 executed by the provider server 42. The provider server 42 performs integration process 2 between customer IDs generated based on personal identification information of IC cards 50 that differ in either type (e.g., cash card or credit card) or issuer. In FIG. 8, as in FIG. 7, for ease of explanation, each process will be described as being performed by the provider server 42.

Note that Figure 8 only describes an IC card 50 as a card with a storage medium, but instead of the IC card 50 alone, a card with a stripe can also be applied, or it can be applied to all cards with storage media (both IC cards 50 and cards with stripes).

If a unique customer ID is assigned to each IC card 50 of a different type or issuer, this could be abused by a customer Ca using multiple IC cards 50 of different types or issuers to exchange more money than the limit. Integration process 2 is a countermeasure against such abuse.

The merchant server 42 executes integration process 2 periodically, or when the currency exchange machine 10 receives a currency exchange request from a new IC card 50 and it becomes necessary to register a new customer ID derived from the IC card 50. In the latter case, in the log information Li2c described below, a temporary customer ID is set as the new customer ID, and then STEP 160 and STEP 162 are executed. As soon as STEP 162 is completed, integration process 2 is terminated without executing the determination in STEP 164.

In STEP 160, the vendor server 42 searches for pairs of log information Li2 stored in its own DB that have different customer IDs and are of different types or issuers, and names one and the other of the pair of log information Li2 as log information Li2c and Li2d, respectively.

In STEP 162, the vendor server 42 compares the log information Li2c with the log information Li2d to determine whether there is a match for a specific single or multiple attributes among the multiple attributes of the personal identification information of both, and if there is a match, changes the customer IDs of both to an integrated customer ID. Then, the vendor server 42 also changes the customer IDs of all log information Li2 that have the same customer ID as the customer ID in log information Li2c of the pair of log information Li2c, Li2d that have been determined to have a match, and the customer IDs of all log information Lib that have the same customer ID as the customer ID in log information Li2b, to the integrated customer ID.

In STEP 164, the vendor server 42 determines whether there are any pairs of log information Li2c and log information Li2d in which the customer IDs are different and the matching of the personal identification information has not been determined. If the determination is positive, the vendor server 42 returns the process to STEP 154; if the determination is negative, the process ends.

Figure 9 is a flowchart of the main part of the instruction process in Figure 6, which adds measures to prevent abuse of the reverse exchange type by specific customer Pa. Compared to the instruction process in Figure 6, steps 170-174 have been added between steps 128 and 130, and the other steps are the same as the process in Figure 6, so are not shown in the figure.

Abusers who seek to abuse currency exchange may attempt to launder money by repeatedly exchanging foreign currency for local currency and then local currency for foreign currency in a short period of time (referred to here as "reverse exchange" here), even if this increases the fees charged to the exchange service provider Ba. STEPs 170-174 are processes that incorporate preventative measures against this. In other words, when the same person exchanges one currency and then another currency within the same specified period T70, which is deemed to be reverse exchange in a short period of time, the transaction is set to be stopped if the combined amount of the various settings for the other currency exchange reaches a limit.

In order to ensure effectiveness, steps 170-174 added in Figure 9 are executed after the integration process (customer ID name matching) in Figures 7 and 8 has been executed. In other words, the integration process in Figures 7 and 8 is executed each time a new card with a storage medium (stripe card, IC card 50, or passport 56) is used to exchange money and a new customer ID is assigned to the customer Pa of the new card with a storage medium.

In STEP 170, the agent server 42 determines whether the specific customer Pa has already made a counter-exchange for the current exchange within the immediately preceding fixed period T70, which includes the current day (the current exchange date). If the determination is affirmative, the agent server 42 proceeds to STEP 172; if the determination is negative, the agent server 42 proceeds to STEP 174.

A reverse exchange to the current exchange means an exchange from foreign currency to local currency if the current exchange is from local currency to foreign currency, or from local currency to foreign currency if the current exchange is from foreign currency to local currency. A specific customer Pa may exchange one of the two, two, or even three times, from foreign currency to local currency and the other, not just once, within the specified period T70. In such cases, the agent server 42 counts and stores the number of repetitions, and as the number of repetitions increases, it can gradually reduce the exchange limit setting values (e.g., upper limit amounts M36 and M38 in STEPs 136 and 138 described below), or it can limit the repetition to one.

The specified period T70 is typically set to the same as T32 used in the processing in STEP 132, but T70 ≠ T32 may also be set. For example, if T70 = T32 = 1 or 2 days, a specific customer Pa is restricted from using any currency exchange device 10 to convert currency into foreign currency (e.g., dollars) or local currency (e.g., yen) (equivalent to selling stocks) by the same or the following day, and then converting local currency into foreign currency (equivalent to buying stocks) to offset the purchase or sale. Because such reverse exchanges are often, if not all, used for money laundering, this embodiment uniformly restricts (or even prohibits) all exchanges, including those of bona fide customers Pa. Even if a bona fide customer Pa's current reverse exchange is temporarily restricted, the bona fide customer Pa can wait until T70 has elapsed before making a reverse exchange within the normal exchange limits.

In STEP 172, the agent server 42 reads the settings for the exchange limit to prevent misuse. Meanwhile, in STEP 174, the agent server 42 reads the settings for the exchange limit for normal exchange.

As previously explained in FIG. 6, before proceeding to processing in STEP 130, the currency exchange machine 10 reads from its own memory the set values for exchange restrictions, such as the periods T30, T32, T36, and T38, the number of times N32, and the amounts M36 and M38, in STEPs 130-138, depending on whether the current exchange is exchange processing E1 (exchange processing from foreign currency to local currency) or E2 (exchange processing from local currency to foreign currency). This reading corresponds to the reading of the set values for exchange restrictions for normal exchange in STEP 174 in FIG. 9 (more specifically, the processing in STEPs 130-138). In other words, the set values read in STEP 174 are the set values when the specific customer Pa is not performing a reverse exchange.

In contrast, the setting values read in STEP 172 are the setting values when specific customer Pa is about to make a reverse exchange. As a measure to prevent misuse of exchange, the setting values read in STEP 172 are set to values that will make specific customer Pa less willing to make abusive exchanges than the setting values for normal exchange in STEP 174. Specifically, for example, the upper limit amounts M36 and M38 in STEPs 136 and 138 are set significantly lower than for normal exchanges.

After executing STEP 172 or 174, the vendor server 42 proceeds to STEP 130.

(supplement)
Each currency exchange machine 10 of the embodiment is equipped with both an IC card reader 16 and a passport reader 28 as specific information readers. However, it is sufficient for the currency exchange machine of the present invention to be equipped with at least one of the IC card reader 16 and the passport reader 28, and the other of the IC card reader 16 and the passport reader 28 may be omitted from each currency exchange machine 10.

In this embodiment, the "most recent first period including the present time for a specific customer" corresponds to the most recent period T36 described in STEP 136. The first upper limit corresponds to the upper limit M36 described in STEP 136.

In this embodiment, the "most recent second period including the current exchange for a specific customer" corresponds to the period T32 described in STEP 132 (e.g., the most recent 1, 2, or 3 days including the current day). In this embodiment, the second upper limit number of times corresponds to the upper limit number N32 described in STEP 132 (e.g., 3 times on the 1st, 3 times on the 2nd, etc.).

In the present invention, the "third period" in the phrase "the current exchange date is after the third period has elapsed from the expiration date of the first period" corresponds to the period T30 described in STEP 130 in the embodiment. In the embodiment, the period T30 is, for example, 10 days, but the dealer Ba can also set the period T30 to another period, such as one week.

A My Number card or an IC-equipped driver's license can be used as proof of identity when a customer opens a new account at a financial institution (e.g., a bank or securities company). In light of this, when a customer presents a My Number card or an IC-equipped driver's license as a card with a storage medium, the control unit 42a can use the IC card reader 16 to take a picture of it with the built-in camera to obtain an image, or obtain customer-specific information (e.g., license number), which can then be used as proof of identity when opening a new account at a financial institution for that specific customer or applying for a new credit card.

Additional explanation will be given for steps 102 and 104 in Figure 5 of the embodiment. The currency exchange machine 10 reads the personal identification information from the IC chip 52 of the IC card 50 and the passport 56 using the IC card reader 16 and passport reader 28, respectively. The personal identification information read by the currency exchange machine 10 here is limited to the range permitted by law to be read and stored in order to combat money laundering. The currency exchange machine 10 is designed not to be able to read any other personal information, or if it does read it, it is immediately deleted so that it is not stored in the currency exchange machine itself or transmitted to other devices.

In the embodiment, currency exchange is described using multiple currency exchange machines 10 as automated currency exchange machines operated and managed by a service provider Ba. However, a service provider Ba, such as a bank, typically provides currency exchange services using manual currency exchange machines at the counter in addition to the automated currency exchange machines 10. In such cases, the service provider server 42 also receives log information Li1 from the currency exchange machine at the counter (STEP 120), performs the processing of FIG. 6, and then returns instructions Da to the currency exchange machine at the counter (STEP 140). When the currency exchange machine at the counter receives instructions Da from the service provider server 42 (FIG. 5/STEP 110), it displays the contents of instructions Da on a display, and a service attendant at the counter performs processing corresponding to the displayed contents for the customer Ca.

10: Currency exchange machine, 16: IC card reader (specific information reader), 28: Passport reader (specific information reader), 42: Business server, 42a: Control unit, 42b: Log information storage unit, 44: Economic sanctions information storage server, 46: Internet, 48: Currency exchange system, 50: IC card (card with storage medium), 52: IC chip (storage medium), 56: Passport.

Claims (14)

a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa;
an information processing device that causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine;
A currency exchange system comprising:
The information processing device includes:
a control unit that causes each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identification information when the specific customer falls under a person who is subject to predetermined economic sanctions; and
a log information storage unit that stores, as stored log information, log information that links the read individual identifying information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine;
Equipped with
the control unit causes the currency exchange machines to perform a response process to limit the total amount of currency exchange for the specific customer during a most recent first period including the current time to within a first upper limit amount across the multiple currency exchange machines based on the stored log information in the log information storage unit;
A currency exchange system in which the total amount and the first upper limit amount for the first period are set independently for when the specific customer exchanges from foreign currency to local currency and when the specific customer exchanges from local currency to foreign currency . 2. The currency exchange system of claim 1, wherein when the specific customer exchanges one of foreign currency to local currency and local currency to foreign currency during the same first period and then exchanges the other currency, the total amount for the other currency exchange is set to a lower amount in local currency terms than the total amount for the one currency exchange. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa;
an information processing device that causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine;
A currency exchange system comprising:
The information processing device includes:
a control unit that causes each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identification information when the specific customer falls under a person who is subject to predetermined economic sanctions; and
a log information storage unit that stores, as stored log information, log information that links the read individual identifying information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine;
Equipped with
A currency exchange system in which the control unit defines the retained log information generated from the card with storage medium as first retained log information, defines the retained log information generated from the passport as second retained log information, compares the personal identification information of the first retained log information and the second retained log information, which have different customer IDs, and if there is a match between the personal identification information for one or more specified attributes, changes the customer ID of the first retained log information and the customer ID of the second retained log information into an integrated customer ID . a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa;
an information processing device that causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine;
A currency exchange system comprising:
The information processing device includes:
a control unit that causes each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identification information when the specific customer falls under a person who is subject to predetermined economic sanctions; and
a log information storage unit that stores, as stored log information, log information that links the read individual identifying information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine;
Equipped with
the retention log information generated from the card with a storage medium includes attributes of the type and issuer of the card with a storage medium;
The control unit
The currency exchange system compares the personal identification information between the retained log information in which either the type or issuer of the card with storage medium is different and which is assigned a different customer ID, and if there is a match between the personal identification information in one or more predetermined attributes, changes the customer IDs of both retained log information to an integrated customer ID . 5. The currency exchange system according to claim 1 , wherein the control unit causes the currency exchange machines to perform a response process that limits the number of currency exchanges for the specific customer during a most recent second period, including the current currency exchange, to within a second upper limit number of times across the multiple currency exchange machines, based on the stored log information in the log information storage unit. 2. The currency exchange system according to claim 1, wherein the control unit causes the currency exchange machines to execute a response process that causes all of the currency exchange machines to refuse currency exchange for the specific customer for a third period from the expiration date of the first period based on the stored log information in the log information storage unit. The currency exchange system according to any one of claims 1 to 4, wherein the control unit refers to predetermined nationality sanction information, and when the nationality of the specific customer corresponds to a sanctioned country in the nationality sanction information, causes each currency exchange machine to execute a response process that causes the currency exchange to refuse to exchange money. The currency exchange system according to any one of claims 1 to 4 , wherein the card with a storage medium is a magnetic stripe card or an IC card. The currency exchange system of claim 8, wherein the control unit, when the card with storage medium is a magnetic stripe cash card, an IC cash card, a magnetic stripe credit card, or an IC credit card, enables the specific customer to use the local currency before exchange in place of cash by setting aside deposits or cash advances from an account associated with the card with storage medium. The currency exchange system of claim 8, wherein the control unit, when the card with storage medium is a magnetic stripe cash card, a cash card with IC, a magnetic stripe credit card, or a credit card with IC, enables the specific customer to use the local currency after exchange in place of cash and apply it to deposits in an account associated with the card with storage medium or to repay a cash advance. The currency exchange system of claim 8, wherein the control unit, when the card with storage medium is a My Number card or a driver's license with an IC chip, enables the personal identification information read from the card with storage medium to be used as identification when the specific customer opens a new account at a financial institution or applies for a new credit card. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa;
an information processing device including a computer, which causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine;
A currency exchange method applied to a currency exchange system comprising:
The computer,
a step of causing each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identifying information when the specific customer falls under a person who is subject to predetermined economic sanctions;
storing, as retained log information, log information linking the read individual identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine;
a step of causing the currency exchange machines to execute a response process for limiting the total amount of currency exchange for the specific customer for a most recent first period including the current time to within a first upper limit amount across all of the multiple currency exchange machines based on the retained log information, the total amount and the first upper limit amount for the first period being set independently for a case where the specific customer exchanges from foreign currency to domestic currency and a case where the specific customer exchanges from domestic currency to foreign currency;
A currency exchange method that executes the above. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa;
an information processing device including a computer, which causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine;
A currency exchange method applied to a currency exchange system comprising:
The computer,
a step of causing each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identifying information when the specific customer falls under a person who is subject to predetermined economic sanctions;
storing, as retained log information, log information linking the read individual identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine;
a step of setting the retained log information generated from the card with storage medium as first retained log information, setting the retained log information generated from the passport as second retained log information, comparing the personal identification information of the first retained log information and the second retained log information, which have different customer IDs, and changing the customer ID of the first retained log information and the customer ID of the second retained log information into an integrated customer ID if there is a match between the personal identification information in one or more predetermined attributes;
A currency exchange system that allows you to: a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa;
an information processing device including a computer, which causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine;
A currency exchange method applied to a currency exchange system comprising:
The computer,
a step of causing each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identifying information when the specific customer falls under a person who is subject to predetermined economic sanctions;
storing, as retained log information, log information linking the read individual identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine;
the retained log information generated from the card with a storage medium includes attributes of the type and issuer of the card with a storage medium, comparing personal identification information between retained log information in which either the type or issuer attribute of the card with a storage medium is different and to which different customer IDs are assigned, and if there is a match between the personal identification information in one or more predetermined attributes, changing the customer IDs of both retained log information to an integrated customer ID;
A currency exchange method that executes the above.