TWI827937B - Withdrawal system with calling for help function and monitoring method for withdrawal - Google Patents

Abstract

A withdrawal system with calling for help function is provided. The withdrawal system with calling for help function includes an automated teller machine, a security determination server and a notify module. The automated teller machine is used to execute a transaction operation. The transaction operation includes entering an operating password. The security determination server is communicatively connected to the automated teller machine. The security determination is used to compare whether the operating password is the same as a calling for help password. The notify module is communicatively connected to the automated teller machine and the security determination server. The notify module is used to send a notify information when the operating password is the same as the calling for help password. The method for withdrawal is provided, too.

Description

Withdrawal system with help function and withdrawal safety monitoring method

This case relates to security monitoring systems and methods for financial transactions.

In order to provide convenient financial transaction services and reduce personnel costs, financial companies, in addition to setting up automatic teller machines (ATMs) in banks to automatically provide financial services, will also set up automatic teller machines in non-bank locations to provide users with Various financial transactions that do not need to be handled at the counter.

One of the main features of ATMs is that they provide services 24 hours a day, with the convenience of providing services without time restrictions. Based on this, users can conduct various financial transactions at ATMs without time restrictions. However, ATMs do not employ security personnel like banks to ensure the safety of users who conduct financial transactions in banks. Users must try to ensure their own safety when using ATMs to conduct financial transactions.

Therefore, conducting financial transactions at ATMs, although convenient, also carries a certain degree of security risk. Due to the same factors, it is easy for criminals to use ATMs to commit crimes during sparsely crowded hours, such as coercing users of ATMs to withdraw money and seizing it late at night. The victims are often unable to respond immediately at the time of the incident. Notifying the police will not be able to effectively prevent loss or injury.

This case provides a cash withdrawal system with a rescue function, which is suitable for cash withdrawal transactions and includes an automatic teller machine, a transaction security judgment server and a notification module. The automatic teller machine is used to perform transaction operations, which include entering an operation password. The transaction security judgment server communicates with the ATM, and the transaction safety judgment server compares the operation password and the distress password to see if they match. The notification module communicates with the ATM and the transaction security judgment server to send notification information when the operation password matches the distress password.

This case also provides a withdrawal security monitoring method, which is suitable for automatic teller machines and includes the following steps: receiving the operation password; comparing the transaction password and the rescue password based on the operation password; when the operation password matches the transaction password, complete the withdrawal transaction; when the operation password When the password matches the distress password, the withdrawal transaction is completed and notification information is sent out at the same time.

Through this, when the user of the ATM withdraws cash involuntarily or under duress, a security notification can be issued by entering the distress code into the ATM, thereby immediately initiating investigation or rescue, thereby protecting the property of the user of the ATM. and personal safety.

10:ATM

11: Money dispensing mechanism

12:Display

13:Camera

14: Tracking transaction module

15: Delay transaction module

16:Virtual transfer module

20:Transaction security judgment server

21:Comparison module

22: Transaction security judgment module

30: Notification module

31:Information processing unit

Step S01: Receive operation password

Step S02: Compare the transaction password and the distress password based on the operation password

Step S03: When the operation password matches the transaction password, complete the withdrawal transaction

Step S04: When the operation password matches the rescue password, the withdrawal transaction is completed and notification information is sent at the same time.

[Figure 1] is a schematic diagram of the system architecture of an embodiment of the cash withdrawal system with a rescue function in this case.

[Figure 2] is a schematic diagram 2 of the system architecture of an embodiment of the cash withdrawal system with a rescue function in this case.

[Figure 3] is a flow chart of the withdrawal security monitoring method in this case.

Please refer to Figures 1 and 2 for the system architecture schematic diagram 1 and 2 of an embodiment of the cash withdrawal system with a rescue function in this case. The withdrawal system with a rescue function in this case can immediately notify the user when the user withdraws money involuntarily and the operation password entered is the rescue password to immediately block the withdrawal. However, the user's property or person suffers loss or injury.

One embodiment of the cash withdrawal system with a rescue function in this case includes an automatic teller machine 10, a transaction security judgment server 20, and a notification module 30. The automatic teller machine 10 is used to perform transaction operations, and the transaction operations include inputting an operation password. The transaction security judgment server 20 is connected to the ATM 10 through communication, and the transaction safety judgment server 20 compares the operation password and the rescue password to see whether they match. The notification module 30 is communicatively connected to the ATM 10 and the transaction security judgment server 20, and is used to send notification information when the operation password matches the rescue password.

Based on the aforementioned withdrawal system with a rescue function, see Figure 3, this case also provides a withdrawal security monitoring method, which includes the following steps: receiving the operation password (step S01); comparing the transaction password and the rescue password according to the operation password (step S02) ; When the operation password matches the transaction password, the withdrawal transaction is completed (step S03); when the operation password matches the distress password, the withdrawal transaction is completed, and notification information is sent at the same time (step S04).

Thereby, the user of the ATM 10 can input the distress password at the ATM 10 when withdrawing money involuntarily. The transaction security judgment server 20 can judge that the user of the ATM 10 is in an unsafe state, and the notification module 30 can Immediately send notification information to ask for help. In one embodiment, the notification module 30 may, but is not limited to, send notification information to the police agency. In this embodiment, the police agency responds quickly by reporting information to minimize the loss or injury to the user's property or person.

As can be seen from the foregoing, in one embodiment, the received operation password in step S01 is received by the ATM 10 . The comparison of the transaction password and the rescue password in step S02 is judged by the transaction security judgment server 20 . The completion of the withdrawal transaction in steps S03 and S04 is also completed by the ATM 10 . The notification information in step S04 is sent by the notification module 30 .

Referring to Figure 1, an automated teller machine 10 (Automated Teller Machine, ATM), also known as an automatic teller machine or automatic teller machine, is installed by various banks in various places for users to use services provided by debit cards. Generally speaking, the automatic teller machine 10 can usually provide financial transactions such as withdrawing cash, checking balances, and transferring funds. In one embodiment, the automatic teller machine 10 includes a cash dispensing mechanism 11 , a display 12 and a camera 13 . The banknote dispensing mechanism 11 is used to output banknotes according to transaction operations.

In one embodiment, the display 12 is used to display an operation interface to guide the user to perform transaction operations. In this embodiment, the display 12 is a touch screen to display a virtual keyboard for the user to directly input operation passwords or input on the display 12 The operation of withdrawal amount, but this case is not limited to this. In some embodiments, the ATM 10 may also be provided with a physical keyboard for users to perform transaction operations.

In one embodiment, the camera 13 is used to record users performing transaction operations on the ATM 10 and their operations.

In one embodiment, the ATM 10 may include a storage module for storing surveillance images captured by the camera 13 . In one embodiment, the storage module of the ATM 10 may be, but is not limited to, any type of fixed or removable random access memory (Random Access Memory, RAM) or read-only memory (Read-Only Memory, ROM). , flash memory (flash memory), hard disk (Hard Disk Drive, HDD), solid state drive (Solid State Drive, SSD) or similar components or a combination of the above components.

In one embodiment, the transaction security determination server 20 can determine whether the user's current transaction operation is autonomous and safe based on the operation password input by the user.

Specifically, the transaction security judgment server 20 includes a comparison module 21 and a transaction Security judgment module 22. The comparison module 21 is used to compare the transaction password and the rescue password set by the depositor according to the operation password input by the transaction operation. The transaction security judgment module 22 judges and generates a transaction safety judgment result based on the comparison result of the comparison module 21 .

In one embodiment, the transaction security judgment server 20 may also include a storage module for storing the depositor's personal information, the transaction password and the rescue password set by the depositor. In this embodiment, the storage module of the transaction security judgment server 20 can be, but is not limited to, any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory). , ROM), flash memory (flash memory), hard disk (Hard Disk Drive, HDD), solid state drive (Solid State Drive, SSD) or similar components or a combination of the above components.

Specifically, when the comparison module 21 compares that the operation password input for the transaction operation is consistent with the transaction password, the transaction security judgment module 22 judges that the transaction security judgment result of the current transaction operation is autonomous and safe; and when the comparison When the module 21 compares that the operation password input for the transaction operation is consistent with the distress password, the transaction security judgment module 22 judges that the transaction safety judgment result of the current transaction operation is non-autonomous and unsafe.

In this embodiment, when the transaction security determination module 22 of the transaction security determination server 20 determines the transaction security determination result of the current transaction operation, the transaction security determination server 20 will transmit the generated transaction security determination result to the ATM. 10 and notification module 30. When the transaction security judgment result transmitted by the transaction safety judgment server 20 is safe, the ATM 10 executes the general transaction process and completes the withdrawal transaction, and the notification module 30 is not triggered. When the transaction security determination module 22 of the transaction security determination server 20 determines that the transaction security determination result is unsafe, the ATM 10 and the notification module 30 receive the transaction that the transaction security determination result is unsafe. At this time, the ATM 10 will still complete the withdrawal transaction based on the unsafe transaction security judgment result and simultaneously transmit the ATM location information of the ATM 10, the transaction record of the current transaction, and the surveillance image of the camera 13 to The notification module 30 serves as notification information. In addition, the transaction security judgment server 20 can also extract the depositor's personal data from the storage module based on the unsafe transaction security judgment results and send it to the notification module 30 as notification information.

In one embodiment, the transaction security judgment server 20 may be a third-party institution belonging to a financial institution or independent of the financial institution.

In one embodiment, the transaction security judgment server 20 may be, but is not limited to, a single server, a server cluster composed of two or more servers, or a cloud server.

In one embodiment, the notification module 30 determines whether to send notification information based on the judgment result of the transaction security judgment server 20 . Specifically, when the transaction security judgment result received by the notification module 30 is unsafe, the notification module 30 sends notification information.

In one embodiment, the notification module 30 may be, but is not limited to, independent of a financial institution, belonging to a financial institution, belonging to a third-party institution, or directly installed on the ATM 10 . In an embodiment where the notification module 30 belongs to a third-party organization, the third-party organization may be, but is not limited to, a security company.

In one embodiment, the ATM 10, the transaction security judgment server 20 and the notification module 30 may respectively include a communication chip and a processor. Thereby, the automatic teller machine 10, the transaction security judgment server 20 and the notification module 30 can respectively conduct wireless communication through the communication chip, and perform the exchange, operation and processing of various signals through the processor. In one embodiment, the communication chip may support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), and code multiplex retrieval. (Code Division Multiple Access, CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) ) system, wireless fidelity (Wireless Fidelity, Wi-Fi) system or Bluetooth signal transmission components.

In one embodiment, the processor may be a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor, DSP). ), programmable controller, Application Specific Integrated Circuit (ASIC), Graphics Processing Unit (GPU) or other similar components or a combination of the above components.

In one embodiment, the rescue password may be agreed upon when the depositor opens an account at a financial institution. Here, when a depositor chooses to set a rescue password when opening an account at a financial institution, the financial institution can also notify the use time, effects, legal liabilities and breach of contract clauses of the rescue password in a contract.

In one embodiment, the reporting information sent by the reporting module 30 is sent to the police agency. After receiving the reporting information, the police agency treats it as accepting a report and can immediately deal with the crisis currently encountered by the user of the ATM 10 .

It can be seen from this that when the user of the ATM 10 uses the distress password when performing transaction operations, it will directly have the effect of reporting the case to the police. Therefore, in order to prevent depositors from using or abusing the distress password unnecessarily, financial institutions When opening a deposit account and setting a rescue password, you can use a contract to explain the effects of using the rescue password and inform you that it should be used in the financial institution. It can only be used when there is a possibility of harm or loss to property or personal life, otherwise it may violate the crime of obstruction of official duties in Article 135 of the Criminal Law of the Republic of China, and the crime of false accusation in Article 169 or 171 of the Criminal Law of the Republic of China. At the same time, when the contract stipulates the rescue password, a breach of contract clause can also be entered into, stipulating that if the depositor abuses the rescue password, the depositor's use of the rescue password service will be stopped.

In one embodiment, in order to enable the reporting information to provide the police agency with a quick grasp of the security hazards currently suffered by users of the ATM 10, the reporting information includes the personal information of the depositor to whom the current transaction belongs, transmitted by the transaction security judgment server 20, The transaction record of the current transaction transmitted by the ATM 10 and the monitoring image of the camera 13 of the ATM 10 .

In one embodiment, the notification module 30 may send notification information to the police agency by making a phone call to send a voice message or automatically connecting to the 110 video reporting system to send positioning information, image data or text messages to report the crime.

In one embodiment, the notification module 30 includes an information processing unit 31. The information processing unit 31 is used to process the received information and compile it into notification information.

In the embodiment where the reporting module 30 sends the reporting information to the police agency by making a phone call, the reporting module 30 may also include a storage module. The storage module of the reporting module 30 stores the voice reporting audio template and the automatic reporting information. The ATM location information received by the teller machine 10 and transaction records judged to be unsafe transactions. In this embodiment, after receiving the ATM location information and transaction records received by the ATM 10, the information processing unit 31 of the notification module 30 converts the received information into a voice message and adds the voice report audio template to become the notification information. Send to police agency. This allows the police to quickly grasp the location and time of unsafe transactions so that they can quickly respond and investigate.

Automatically connect to the 110 video reporting system in the reporting module 30 to report the crime In the embodiment, the 110 video reporting system is a reporting software set up by the Police Department of the Ministry of Interior of the Republic of China, which can complete the reporting through location information and video images. Here, after the information processing unit 31 of the notification module 30 receives the ATM location information sent by the ATM 10 and the surveillance image of the camera 13 of the ATM 10, it can convert the received ATM location information into positioning coordinates. The information is sent to the positioning interface in the 110 video reporting system; the surveillance image file is uploaded to the video conversation interface in the 110 video reporting system to complete the report. In addition, the information processing unit 31 of the reporting module 30 can also simultaneously convert the transaction time and details judged to be unsafe transactions into text messages and send them to the text conversation interface in the 110 video reporting system to provide a more complete notification information.

In one embodiment, the ATM 10 may include a transaction tracking module 14 for executing when receiving a transaction security determination result from the transaction security determination server 20 indicating that it is unsafe. Here, the action performed by the tracking transaction module 14 is used to output cash in conjunction with the existing cash dispensing mechanism 11 of the ATM 10. However, the cash output by the tracking transaction module 14 is traceable.

In this embodiment, since the ATM 10 has received information that the current transaction is an unsafe transaction, in order to ensure the user's personal safety, the transaction tracking module 14 will still rely on the withdrawal information entered by the user during the transaction operation. The amount outputs cash that matches the amount, but the cash output by the tracking transaction module 14 is traceable and can be used by the police to trace the cash flow and the person who uses the traceable cash. In this way, in addition to preventing criminals from harming the victim due to failure to obtain the expected cash when coercing the user to withdraw money, it can also track the cash flow and use traceable cash after the cash is taken away by the criminals. Unscrupulous people. Here, the traceable cash may be cash with a specific banknote number. The cash with the specific banknote number is pre-stored in the automatic teller machine 10 so that the transaction model can be tracked in an unsafe transaction state. Group 14 provided.

In one embodiment, the ATM 10 may include a transaction deferment module 15 for execution when receiving a transaction security judgment result from the transaction safety judgment server 20 indicating that it is unsafe. Here, the delayed transaction module 15 can play advertisements, display game screens, display questionnaire screens, display system maintenance, display that the cash has been used up, or slow down the processing speed in the ATM 10, thereby prolonging the stay of criminals in the automatic teller machine 10. The location of the teller machine 10 provides the police agency with more sufficient time to go to the location of the automatic teller machine 10 where unsafe transactions occur.

In one embodiment, the ATM 10 may include a virtual transfer module 16 for execution when receiving a transaction security judgment result from the transaction security judgment server 20 indicating that it is unsafe. Here, when the transaction operation performed by the user on the ATM 10 is a transfer (also regarded as a withdrawal transaction in this embodiment), the virtual transfer module 16 transmits the transfer information (recipient account and amount) required by the user and The code used to identify the current transaction as a virtual transfer is sent to the paying bank. The paying bank receives and sends the transfer information and the code identifying the transaction as a virtual transfer to the beneficiary bank. The beneficiary bank then determines this based on the code used to identify the current transaction as a virtual transfer. After the transfer transaction is a virtual transfer, the beneficiary bank can conduct virtual transfers in accordance with the agreement with the paying bank.

In the embodiment in which the ATM 10 includes the virtual transfer module 16 , both the paying bank and the beneficiary bank are banks that can cooperate with the transaction security judgment server 20 . Here, the paying bank, the beneficiary bank and the transaction security judgment server 20 have a cooperative operation agreement. Through the aforementioned cooperative operation agreement, a pre-agreed response can be provided when an unsafe transaction occurs.

In one embodiment, the aforementioned virtual transfer may be a marked transfer. Specifically, after the transfer action is marked as a virtual transfer, the beneficiary bank will still change the account amount of the beneficiary account according to the transfer request, so that the beneficiary account Messages for receiving transfer funds can be displayed. here At the same time, the beneficiary bank also marked the beneficiary account as a problem account and temporarily froze the account. Here, in order to avoid the beneficiary account being unable to withdraw cash immediately and discovering that its illegal behavior has been reported, the beneficiary account will be processed The ATM 10 for withdrawing cash can also output traceable cash for tracking through the tracking transaction module 14 or delay the transaction of withdrawing cash from the payee account through the delay transaction module 15 .

Although the present disclosure has been disclosed in some embodiments, this is not intended to limit the present disclosure. Anyone with ordinary knowledge in the art may make slight changes and modifications without departing from the spirit and scope of the present disclosure. Therefore, the scope of patent protection in this case must be determined by the scope of the patent application attached to this specification.

10:ATM

11: Money dispensing mechanism

12:Display

13:Camera

14: Tracking transaction module

15: Delay transaction module

16:Virtual transfer module

20:Transaction security judgment server

21:Comparison module

22: Transaction security judgment module

30: Notification module

31:Information processing unit

Claims (10)

A cash withdrawal system with a rescue function, suitable for a cash withdrawal transaction, including: an automatic teller machine, including a tracking transaction module and a camera, the automatic teller machine is used to perform a transaction operation, and the transaction operation includes inputting an operation password ; A transaction security judgment server, which is connected to the ATM through communication, and the transaction safety judgment server compares whether the operation password matches a distress password; and a notification module, which is connected through communication between the ATM and the transaction safety judgment server. , used to send a notification information to a police agency for reporting when the operation password matches the distress password. The notification information includes an ATM location information of the ATM, the personal information of the deposit account to which the current transaction belongs, and the current transaction. The transaction record of the transaction and the surveillance image of the ATM camera; when the operation password matches the rescue password, the tracking transaction module provides traceable cash to complete the financial transaction. When the usage conditions of the rescue password do not When the predetermined conditions are met, the user of the rescue code incurs a legal liability. The cash withdrawal system with a rescue function as described in claim 1, wherein the notification information is a voice message, image data or text message. As for the cash withdrawal system with a rescue function as described in claim 1, the automatic teller machine further includes a transaction delay module for delaying the completion of the withdrawal transaction. The cash withdrawal system with a rescue function as described in claim 3, wherein before the automatic teller machine dispenses money, the delayed transaction module plays advertisements, displays game screens, displays delay screens or slows down the operation speed of the automatic teller machine. The cash withdrawal system with a rescue function as described in claim 1, wherein the automatic teller machine further includes a virtual transfer module for performing temporary virtual transfer when the operation password matches the rescue password. A withdrawal security monitoring method, suitable for an automatic teller machine, includes: receiving an operation password; comparing a transaction password and a distress password based on the operation password; when the operation password matches the transaction password, complete the withdrawal transaction; And when the operation password matches the distress password, traceable currency is provided and the withdrawal transaction is completed, and at the same time, a notification information is sent to a police agency to report the case. The notification information includes an ATM location of the ATM. information, the personal information of the depositor belonging to the current transaction, the transaction record of the current transaction and the surveillance image of a camera of the ATM. When the usage conditions of the rescue password do not meet the predetermined conditions, the user of the rescue password generates a Legal liability. The withdrawal security monitoring method as described in claim 6, wherein the notification information sent by the notification module is an information processing unit that converts the received information into a voice message as the notification information. The withdrawal security monitoring method as described in claim 6, wherein the notification information sent by the notification module is an information processing unit that converts the received information into positioning information, image information and text messages as the notification information. According to the withdrawal security monitoring method described in claim 6, when the operation password matches the rescue password, a delayed transaction module of the automatic teller machine delays the completion of the withdrawal transaction. According to the cash withdrawal security monitoring method described in claim 6, when the operation password matches the rescue password, a virtual transfer module of the automatic teller machine performs a temporary virtual transfer.

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