TWI785243B - Automatic teller machine data analysis system - Google Patents

Abstract

An automatic teller machine data analysis system is provided. The system includes: a server; and multiple automatic teller machines coupled to the server. The server detects a withdraw count sum and a withdraw money amount sum of a first automatic teller machine of the automatic teller machines in a time interval for multiple times, and calculates an average withdraw count and an average withdraw money amount of the multiple time intervals. When the server detects that the first automatic teller machine’s first withdraw count minus the average withdraw count greater than a first threshold or a first withdraw money amount minus the average withdraw money amount greater than a second threshold in the time interval, the server generates a warning message according to the first automatic teller machine.

Description

Automated Teller Machine Data Analysis System

The present disclosure relates to an automatic teller machine data analysis system, and more particularly to an automatic teller machine data analysis system that issues alerts for unusual conditions of automatic teller machine withdrawals.

With the evolution of the times, fraudulent methods are also increasingly refurbished. The defrauded are often instructed by the fraudulent group to transfer money to the automatic teller machine, and lose a lot of money. However, the current automatic teller machines do not have an anti-fraud mechanism, which makes fraud cases emerge in endlessly. Therefore, how to detect and prevent fraud cases through the transaction data of automatic teller machines is a goal that those skilled in the art should devote themselves to.

The present disclosure provides an automatic teller machine data analysis system capable of issuing warnings for unusual withdrawal conditions of the automatic teller machine.

This disclosure proposes an automatic teller machine data analysis system, including: a server; and a plurality of automatic teller machines coupled to the server. The server repeatedly detects the total withdrawal times and the total withdrawal amount of the first automatic teller machine of the automatic teller machine in the time interval, and calculates the average withdrawal times and the average withdrawal amount in the multiple time intervals. The server generates Corresponding to the warning message of the first ATM.

Based on the above, the ATM data analysis system disclosed in this disclosure will calculate the average withdrawal times and the average withdrawal amount of the ATM in a specific time interval. When the difference between the number of withdrawals or the withdrawal amount of the automatic teller machine in a specific time interval and the average number of withdrawals and the average withdrawal amount is too large, the server will generate a warning message corresponding to the first automatic teller machine.

In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the following specific embodiments are described in detail together with the accompanying drawings.

FIG. 1 is a block diagram of an automatic teller machine data analysis system according to an embodiment of the present disclosure.

Please refer to FIG. 1 , an automatic teller machine data analysis system 100 according to an embodiment of the present disclosure includes a server 110 and automatic teller machines 120 ( 1 )˜120 (n) coupled to the server 110 . When a user conducts a transaction at any of the ATMs 120 ( 1 )˜120 (n), the transaction data can be sent to the server 110 .

In one embodiment, the server 110 detects the total withdrawal times and the total withdrawal amount of the automatic teller machine 120 (1) (or called the first automatic teller machine) in time intervals for multiple times, and calculates The average number of withdrawals and the average withdrawal amount. When the server 110 detects that the first number of withdrawals minus the average number of withdrawals of the ATM 120(1) in the time interval is greater than a first threshold (eg, a predetermined percentage of the average number of withdrawals) or the first withdrawal amount If the subtracted average withdrawal amount is greater than a second threshold (for example, a predetermined percentage of the average withdrawal amount), the server 110 generates a warning message corresponding to the ATM 120(1). When the first ATM 120(1) receives a withdrawal operation in a time interval, the first ATM 120(1) transmits the single withdrawal amount to the server 110, and the server 110 updates the withdrawal amount according to the single withdrawal amount The total number of withdrawals and the total withdrawal amount in the time interval. It should be noted that the above description is only made using the automatic teller machine 120 ( 1 ), and the above operations can be implemented in any of the automatic teller machines 120 ( 1 )˜120 (n). The time interval is, for example, a morning time period, an afternoon time period, an evening time period, or an early morning time period. Time intervals can also be weekday or weekend periods. The time interval may also be a combination of the above periods, such as the morning period during the week, the evening period on the weekend, and the like.

For example, the server 110 can detect the total withdrawal times and the total withdrawal amount of the automatic teller machine 120(1) in the night time period (or other time periods) every day, and calculate the total withdrawal times and the total The withdrawal amount is averaged to obtain the average number of withdrawals and the average withdrawal amount. When the server 110 detects that the number of withdrawals made by the ATM 120(1) is greater than a predetermined percentage (for example, 50%) of the average number of withdrawals or the withdrawal amount is greater than a predetermined percentage of the average withdrawal amount (for example, 50%), it is very likely that a fraud case will occur, so the server 110 will generate a warning message corresponding to the automatic teller machine 120 (1), and send the warning message to the nearest police station from the automatic teller machine 120 (1). It should be noted that when the server 110 calculates the total withdrawal times of the ATM 120 ( 1 ) in the Monday night time period, the average withdrawal times of all seven night time periods in the previous week can be used for comparison.

In one embodiment, the server 110 repeatedly detects the second total withdrawal times and the second total withdrawal times of the automatic teller machines 120 ( 2 )- 120 ( 4 ) (or called the second automatic teller machine) in the time interval. amount, and calculate the second average withdrawal times and the second average withdrawal amount in multiple time intervals, wherein ATMs 120(2)~120(4) are located at ATM 120(1) (or called the first automatic teller machine ATM) within a predetermined distance. When the server 110 detects that the second withdrawal times minus the second average withdrawal times of the automatic teller machines 120(2)-120(4) in the time interval is greater than the third threshold value (for example, the second average withdrawal times The predetermined percentage of the withdrawal amount) or the second withdrawal amount minus the second average withdrawal amount is greater than the fourth threshold value (for example, a predetermined percentage of the second average withdrawal amount), the server 110 generates a corresponding automatic teller machine 120 ( 2 ) ~ 120 ( 4) warning message. It should be noted that, in another embodiment, the second automatic teller machine may also include the first automatic teller machine. That is to say, the server 110 can determine whether to generate a warning message according to the total withdrawal times and the total withdrawal amount of the automatic teller machines 120 ( 1 )- 120 ( 4 ).

For example, the server 110 can sum up the withdrawal times and withdrawal amounts of the automatic teller machines 120(2)~120(4) within a predetermined range, and determine whether the automatic teller machines 120(2)~120(4) within the predetermined range 120(4) Whether there is any unusual situation in the total number of withdrawals or the total withdrawal amount during the time interval. If an unusual situation occurs, the server 110 generates a warning message corresponding to the ATMs 120( 2 )˜120( 4 ). In this way, even if the automatic teller machine 120 (2) and the automatic teller machine 120 (4) break down or undergo maintenance so that all nearby users run to the automatic teller machine 120 (3) to withdraw money, the server 110 will not generate the automatic teller machine 120 (3) Warning messages for too many withdrawal times or too large withdrawal amount, so as to avoid the occurrence of wrong warning messages.

To sum up, the ATM data analysis system disclosed in this disclosure will calculate the average withdrawal times and the average withdrawal amount of the ATM in a specific time interval. When the difference between the number of withdrawals or the withdrawal amount of the automatic teller machine in a specific time interval and the average number of withdrawals and the average withdrawal amount is too large, the server will generate a warning message corresponding to the first automatic teller machine. On the other hand, the ATM data analysis system disclosed in this disclosure can also sum up the number of withdrawals and withdrawal amounts of ATMs within a predetermined range, so as to prevent a small number of ATMs from malfunctioning or repairing, causing nearby ATMs to A situation where an incorrect warning message is generated due to too many withdrawal times or a large withdrawal amount.

Although the present disclosure has been disclosed above with embodiments, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of this disclosure should be defined by the scope of the appended patent application.

100: Automated teller machine data analysis system 110: server 120(1)~120(n): Automatic Teller Machine

FIG. 1 is a block diagram of an automatic teller machine data analysis system according to an embodiment of the present disclosure.

100: Automated teller machine data analysis system

110: server

120(1)~120(n): Automatic Teller Machine

Claims (4)

An automatic teller machine data analysis system includes: a server; and a plurality of automatic teller machines coupled to the server, wherein the server repeatedly detects a first automatic teller machine of the automatic teller machines in a time interval a total number of withdrawals and a total withdrawal amount, and calculate an average number of withdrawals and an average withdrawal amount in a plurality of the time intervals, when the server detects that the first automatic teller machine is in the time interval If the first number of withdrawals minus the average number of withdrawals is greater than a first threshold or the first withdrawal amount minus the average withdrawal amount is greater than a second threshold, the server generates a corresponding to the first automatic teller machine an alert message, and transmit the alert message to a first police station, wherein the distance from the first police station to the first ATM is smaller than the distances from other police stations to the first ATM, wherein the server multiple times Detecting a second total number of withdrawal times and a second total withdrawal amount of the multiple second automatic teller machines of the automatic teller machines in the time interval, and calculating a second average withdrawal in the multiple time intervals times and a second average withdrawal amount, wherein the second automatic teller machines are located within a predetermined distance from the first automatic teller machine, when the server detects that the second automatic teller machine in the time interval The second withdrawal times minus the second average withdrawal times is greater than the third threshold value or the second withdrawal amount minus the second average withdrawal amount is greater than the fourth threshold value, the server generates corresponding second automatic The warning message on the teller machine. The automatic teller machine data analysis system described in item 1 of the scope of the patent application, wherein when the first automatic teller machine receives a withdrawal operation during the time interval, the first automatic teller machine transmits a single withdrawal amount to the server, and the server updates the total withdrawal times and the total withdrawal amount in the time interval according to the single withdrawal amount. In the automatic teller machine data analysis system described in item 1 of the patent application, the time interval is a morning time period, an afternoon time period, an evening time period, or an early morning time period. The automatic teller machine data analysis system described in item 1 of the scope of the patent application, wherein the time interval is a period of one week or a period of a weekend.

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