WO2021130979A1

WO2021130979A1 - Transaction control device, control method, and program

Info

Publication number: WO2021130979A1
Application number: PCT/JP2019/051208
Authority: WO
Inventors: 好賢田尻; 正俊杉澤; 一貴田中; 優樹山原
Original assignee: 日本電気株式会社; Ｎｅｃソリューションイノベータ株式会社
Priority date: 2019-12-26
Filing date: 2019-12-26
Publication date: 2021-07-01
Also published as: JPWO2021130979A1

Abstract

A transaction control device (2000) acquires an operator image (40). The operator image (40) refers to an image of an operator (10) who operates an ATM (20). The transaction control device (2000) uses the operator image (40) to determine whether the operator (10) is a predetermined person associated with a target account. If the operator (10) is not the predetermined person, the transaction control device (2000) executes: processing to delay the progression of a transaction; or processing that makes it appears as if the transaction is in progress.

Description

Transaction control devices, control methods, and programs

The present invention relates to transactions related to accounts.

ATM (Automated Teller Machine) is used for transactions related to bank accounts and credit card accounts (deposit withdrawal, cashing, etc.). Then, there is a problem that a malicious person uses another person's cash card or the like to make an illegal transaction at an ATM.

A system has been developed to deal with such fraudulent transactions at ATMs. For example, Patent Document 1 discloses a technique of comparing a face image of an ATM user with a face image of an account holder, and if the user is not the account holder, warns the user and suspends the transaction. doing.

Japanese Unexamined Patent Publication No. 2005-182398

When a malicious user tries to make an illegal transaction at an ATM, it is preferable that a security guard or police officer can catch the user. In this regard, if it is presented to the user that an illegal transaction has been detected as in the system of Patent Document 1, it is considered that the malicious user escapes from the place. As a result, it becomes difficult for security guards and police officers to catch the user.

The present invention has been made in view of the above problems, and one of the purposes thereof is to provide a technique for increasing the probability of catching a person who has attempted an illegal transaction.

The first transaction control device of the present invention uses 1) an operator image which is an image of an ATM operator, and is associated with a target account to which the operator makes a transaction. Action execution that performs at least one of a judgment unit that determines whether or not the person is a person, 2) a process that delays the progress of the transaction when the operator is not a predetermined person, and a process that makes the transaction appear to be in progress. It has a part and.

The second transaction control device of the present invention uses 1) an operator image which is an image of an ATM operator, and determines whether or not the operator is a person who has made a transaction for the first predetermined number or more of accounts. Judgment unit to determine, 2) When the operator is a person who has made a transaction for the first predetermined number of accounts or more, the process of delaying the progress of the transaction, the process of pretending that the transaction is in progress, and the operation It has a coping execution unit that performs any one or more of processes for outputting a notification including a person image.

The first control method of the present invention is performed by a computer. The control method is as follows: 1) Whether or not the operator is a predetermined person associated with the target account that is the target of the transaction performed by the operator by using the operator image which is the image of the ATM operator. Judgment step to determine
It has a coping execution step of performing at least one of a process of delaying the progress of a transaction and a process of pretending that the transaction is in progress when the operator is not a predetermined person.
The second control method of the present invention is performed by a computer. The control method includes 1) a determination step of determining whether or not the operator is a person who has made a transaction for the first predetermined number or more of accounts by using the operator image which is an image of the ATM operator. 2) When the operator is a person who has made a transaction for the first predetermined number of accounts or more, a process of delaying the progress of the transaction, a process of pretending that the transaction is in progress, and a notification including an operator image are sent. It has a coping execution step for performing any one or more of the output processes.

The program of the present invention causes a computer to execute the first or second control method of the present invention.

According to the present invention, a technique for increasing the probability of catching a person who has attempted an illegal transaction is provided.

It is a figure which conceptually illustrates the operation of the transaction control device which concerns on Embodiment 1. FIG. It is a block diagram which illustrates the functional structure of a transaction control device. It is a figure which illustrates the computer for realizing the transaction control device. It is a flowchart which illustrates the flow of the process executed by the transaction control device of Embodiment 1. It is a figure which conceptually illustrates the operation of the transaction control device which concerns on Embodiment 2. FIG. It is a block diagram which illustrates the functional structure of the transaction control device of Embodiment 2. It is a flowchart which illustrates the flow of the process executed by the transaction control device of Embodiment 2.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. In all drawings, similar components are designated by the same reference numerals, and description thereof will be omitted as appropriate. Further, unless otherwise specified, in each block diagram, each block represents a configuration of a functional unit, not a configuration of a hardware unit. In the following description, unless otherwise specified, various predetermined values (threshold values and the like) are stored in advance in a storage device accessible from the functional configuration unit that uses the values.

[Embodiment 1]
<Overview>
FIG. 1 is a diagram conceptually illustrating the operation of the transaction control device 2000 according to the first embodiment. Here, the operation of the transaction control device 2000 described with reference to FIG. 1 is an example for facilitating the understanding of the transaction control device 2000, and does not limit the operation of the transaction control device 2000. Details and variations of the operation of the transaction control device 2000 will be described later.

The transaction control device 2000 controls the operation of the ATM 20. The transaction control device 2000 may be realized as a part of the ATM 20, or may be realized as a device separately provided outside the ATM 20. In the latter case, for example, the transaction control device 2000 is a server machine capable of communicating with the ATM 20 via a network.

The ATM 20 is operated by the operator 10. The operator 10 operates the ATM 20 to perform a transaction for the target account. For example, the target account is a bank account or a credit card account. Transactions about the target account include, for example, withdrawal from a bank account and cashing using a credit card.

The transaction control device 2000 acquires an image (operator image 40) obtained for the operator 10, and uses the operator image 40 to determine whether or not the operator 10 is a predetermined person associated with the target account. To judge. The operator image 40 is generated by the sensor 50. In the example of FIG. 1, the sensor 50 is a camera that images the operator 10. The predetermined person associated with the target account is, for example, the holder of the target account. In addition, for example, the predetermined person may be a person other than the holder who is permitted to trade for the target account (for example, the family member or guardian of the holder, or the staff of the facility where the holder lives, etc. ).

If the operator 10 is not a predetermined person, the transaction control device 2000 executes a predetermined coping process. The predetermined coping process includes any one or more of a process of delaying the progress of the transaction and a process of pretending that the transaction is in progress.

<Example of action effect>
If the operator 10 does not match the person associated with the target account, the operator 10 may be trying to make a fraudulent transaction with respect to the target account. In such a case, by prolonging the time that the operator 10 stays in the vicinity of the ATM 20, it is possible to increase the probability that a guard, a police officer, or the like can come into contact with the operator 10. As a result, if the operator 10 is a criminal, the probability that the operator 10 will be caught can be increased.

Therefore, when the operator 10 does not match the predetermined person associated with the target account, the transaction control device 2000 delays the progress of the transaction or performs a coping process pretending that the transaction is in progress. By performing such a coping process, the time that the operator 10 stays in the vicinity of the ATM 20 can be lengthened. Therefore, there is a high probability that a guard, a police officer, or the like can come into contact with the operator 10, and thus the probability that the operator 10 can be captured is high.

As a method of dealing with the case where a person who is likely to carry out an illegal transaction is detected, a warning is output and the operator 10 immediately outputs a warning as in the method disclosed in Patent Document 1. There is also a way to abandon fraudulent transactions. However, in this method, there is a high possibility that the operator 10 will immediately escape from the place, and it will be difficult for a guard or a police officer to come into contact with the operator 10. In this respect, in the transaction control device 2000, the operator 10 can stay in the place for a longer time by taking measures such as delaying the transaction, so that the probability that the operator 10 will escape can be reduced.

Hereinafter, the transaction control device 2000 will be described in more detail.

<Example of functional configuration>
FIG. 2 is a block diagram illustrating the functional configuration of the transaction control device 2000. The transaction control device 2000 has a determination unit 2020 and a coping execution unit 2040. The determination unit 2020 determines whether or not the operator 10 is a predetermined person associated with the target account. When the operator 10 is not a predetermined person, the coping execution unit 2040 executes one or more of a process of delaying the transaction and a process of pretending that the transaction is in progress.

<Example of hardware configuration of transaction control device 2000>
Each functional component of the transaction control device 2000 may be realized by hardware that realizes each functional component (eg, a hard-wired electronic circuit, etc.), or a combination of hardware and software (eg, example). It may be realized by a combination of an electronic circuit and a program that controls it). Hereinafter, a case where each functional component of the transaction control device 2000 is realized by a combination of hardware and software will be further described.

FIG. 3 is a diagram illustrating a calculator 1000 for realizing the transaction control device 2000. When the transaction control device 2000 is realized as a part of the ATM 20, for example, the computer 1000 is an arbitrary computer capable of realizing the ATM. On the other hand, when the transaction control device 2000 is realized as a device different from the ATM 20, the computer 1000 is an arbitrary computer (for example, a PC (Personal Computer), a server machine, etc.) capable of communicating with the ATM 20.

The computer 1000 may be a dedicated computer designed to realize the transaction control device 2000, or may be a general-purpose computer. In the latter case, for example, by installing a predetermined application on the computer 1000, each function of the transaction control device 2000 is realized on the computer 1000. The above application is composed of a program for realizing a functional component of the transaction control device 2000.

The computer 1000 has a bus 1020, a processor 1040, a memory 1060, a storage device 1080, an input / output interface 1100, and a network interface 1120. The bus 1020 is a data transmission line for the processor 1040, the memory 1060, the storage device 1080, the input / output interface 1100, and the network interface 1120 to transmit and receive data to and from each other. However, the method of connecting the processors 1040 and the like to each other is not limited to the bus connection.

The processor 1040 is various processors such as a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), and an FPGA (Field-Programmable Gate Array). The memory 1060 is a main storage device realized by using RAM (Random Access Memory) or the like. The storage device 1080 is an auxiliary storage device realized by using a hard disk, an SSD (Solid State Drive), a memory card, a ROM (Read Only Memory), or the like.

The input / output interface 1100 is an interface for connecting the computer 1000 and the input / output device. For example, an input device such as a keyboard and an output device such as a display device are connected to the input / output interface 1100.

Further, in the example of FIG. 3, the computer 1000 is connected to the sensor 50 via the input / output interface 1100. However, the computer 1000 may be connected to the sensor 50 via the network interface 1120. Further, the computer 1000 does not have to be connected to the sensor 50.

The sensor 50 is an arbitrary sensor that generates an image of the operator 10. For example, the sensor 50 is a camera that captures the whole body, upper body, face, or the like of the operator 10 to generate an image. In addition, for example, the sensor 50 may be a sensor that generates an image of a portion representing the characteristics of the operator 10, such as an iris, a vein, or a fingerprint.

When the sensor 50 is a camera, for example, the sensor 50 is installed in an ATM 20, a store where the ATM 20 is installed, or the like. If the sensor 50 is a sensor that produces images such as irises, veins, or fingerprints, for example, the sensor 50 is installed in the ATM 20.

The network interface 1120 is an interface for connecting the computer 1000 to the communication network. This communication network is, for example, LAN (Local Area Network) or WAN (Wide Area Network).

The storage device 1080 stores a program (a program that realizes the above-mentioned application) that realizes each functional component of the transaction control device 2000. The processor 1040 reads this program into the memory 1060 and executes it to realize each functional component of the transaction control device 2000.

<Processing flow>
FIG. 4 is a flowchart illustrating a flow of processing executed by the transaction control device 2000 of the first embodiment. The determination unit 2020 acquires the operator image 40 (S102). The determination unit 2020 uses the operator image 40 to determine whether or not the operator 10 is a predetermined person associated with the target account (S104). When the operator 10 is not a predetermined person (S104: NO), the coping execution unit 2040 executes the coping process (S106).

The process executed by the transaction control device 2000 when it is determined that the operator 10 is a predetermined person (S104: YES) is arbitrary. For example, the transaction control device 2000 causes the transaction by the operator 10 to be executed as usual.

<Acquisition of operator image 40: S102>
The determination unit 2020 acquires the operator image 40 (S102). The method by which the determination unit 2020 acquires the operator image 40 is arbitrary. For example, the determination unit 2020 receives the operator image 40 transmitted from the sensor 50, or accesses the sensor 50 to acquire the operator image 40. In addition, for example, the determination unit 2020 may acquire the operator image 40 by accessing the storage device in which the operator image 40 is stored.

Here, the determination unit 2020 treats the image generated by the sensor 50 including the operator 10 as the operator image 40. For example, the determination unit 2020 treats the image generated by the sensor 50 as the operator image 40, which is generated after the time when the operation of the ATM 20 is started. Further, by notifying the sensor 50 that the operation of the ATM 20 has started, the sensor 50 may start generating an image after the operation of the ATM 20 is started. The image treated as the operator image 40 is not limited to the image generated after the operation of the ATM 20 is started. For example, the sensor 50 may detect the presence of the operator 10 and then the sensor 50 may start generating an image.

When a plurality of images including the operator 10 are generated, the determination unit 2020 treats one or more of them as the operator image 40. For example, the determination unit 2020 identifies one or more of the plurality of images generated by the sensor 50 that well represent the parts (face, iris, vein, fingerprint, etc.) used for matching, which will be described later. , One or more specified images are used as the operator image 40. It should be noted that an existing technique can be used as a technique for determining whether or not a specific part is well represented by an image. For example, when the part used for matching is a face, a process of detecting an image area representing a human face is performed from the image, and an image in which an image area in which the probability of representing a human face is equal to or greater than a threshold value is detected. It is conceivable to treat it as an image in which a human face is well represented.

<Judgment processing: S104>
The determination unit 2020 uses the operator image 40 to determine whether or not the operator 10 is a predetermined person associated with the target account (S104). Specifically, the determination unit 2020 matches the attributes of the operator 10 obtained based on the operator image 40 with the attributes of a predetermined person associated with the target account. When the attribute of the operator 10 and the attribute of the predetermined person match, the determination unit 2020 determines that the operator 10 is the predetermined person. On the other hand, if the attributes of the operator 10 and the attributes of the predetermined person do not match, the determination unit 2020 determines that the operator 10 is not the predetermined person.

For example, age and gender are used as the attributes of a person. In addition, for example, as an attribute of a person, an image of the person or a feature amount extracted from the image may be used. Hereinafter, first, a method of obtaining the attributes of the operator 10 will be described. Then, a method of obtaining the attribute of a predetermined person will be described.

<< How to get the attributes of operator 10 >>
When age or gender is used as an attribute, for example, the determination unit 2020 estimates the age or gender of the operator 10 by analyzing the operator image 40. In this case, the operator image 40 is an image including the face of the operator 10 generated by the camera that captures the operator 10. An existing technique can be used as a technique for estimating the age and gender of a person from an image such as a person's face.

When using a person's image as an attribute, the determination unit 2020 uses the operator image 40 as an attribute of the operator 10. Further, when the feature amount obtained from the image of a person is used as an attribute, the determination unit 2020 extracts the feature amount of the operator 10 by performing a process of extracting the feature amount from the operator image 40.

<< How to get the attributes of a given person >>
The attribute of the predetermined person is registered in advance in association with the identification information of the target account (stored in the storage device). It is assumed that the predetermined person is the holder of the target account. For example, in this case, when creating an account (when opening an account or applying for credit card creation), the holder can provide attributes such as age, gender, and image of the holder. Therefore, these provided attributes are associated with the holder's identification information (for example, account number or credit card number), and stored in a storage device (account database, etc.) in which the holder's information is stored, as information about the holder. Store it. However, the timing of registering the attribute of the holder is not limited to the time of account creation, and may be registered at any subsequent timing.

If the specified person is a person other than the holder, when registering that person in association with the target account, the attributes of that person should also be registered. For example, the account holder can use a website provided by a bank or credit card company to set a person who is allowed to trade on the account. At this time, information about the person who is permitted to trade (name, age, gender, face image of the person, type of transaction permitted to the person, etc.) is registered in association with the identification information of the account. ..

The determination unit 2020 acquires the attribute of the predetermined person associated with the target account from the storage device in which the various information described above is stored. For example, the determination unit 2020 acquires the identification information of the target account from the operator 10 and acquires the attribute of the predetermined person registered in association with the identification information of the target account.

Here, the method by which the determination unit 2020 acquires the identification information of the target account is arbitrary. For example, the ATM 20 acquires the identification information of the target account from a card medium (cash card, credit card, etc.) in which the identification information of the target account is stored. The determination unit 2020 acquires the identification information of the target account acquired in this way.

In addition, for example, the ATM 20 is made to acquire the person's identification information from a card medium (my number card, other identification card, etc.) in which the person's identification information (for example, identification number) is stored. The determination unit 2020 acquires the account identification information corresponding to the person identification information obtained from the card medium described above from the storage device that stores the person identification information and the account identification information in association with each other.

Note that the method of acquiring account identification information and person identification information is not limited to the method of acquiring from card media. For example, these identification information may be obtained by reading a code in which these identification information is encoded (for example, a QR code (registered trademark) or a barcode) with a code reader provided in the ATM 20. In addition, for example, by performing wireless communication (for example, NFC: Near Field Communication) between the mobile terminal of the operator 10 and the ATM 20, various identification information described above is provided from the mobile terminal of the operator 10 to the ATM 20. You may do so.

Further, the determination unit 2020 may acquire the attribute of the predetermined person by the same method as the method for acquiring the identification information described above. For example, the identification information of a person and the attributes of the person are stored in an identification card such as an Individual Number Card. In this case, the determination unit 2020 acquires the identification information of the person and the attributes of the person from the identification card. Further, the determination unit 2020 acquires the identification information of the account associated with the identification information of the person. By this flow, the identification information of the account and the attribute of the holder (the owner of the identification card) of the account can be obtained.

<< Matching the attributes of the operator 10 with the attributes of the specified person >>
The determination unit 2020 determines whether or not the attributes of the operator 10 and the attributes of the predetermined person match. The specific method of determining whether or not there is a match depends on the type of attribute. For example, when the attribute is gender, if the gender of the operator 10 and the gender of the predetermined person match, it is determined that they match. On the other hand, if they do not match, it is determined that they do not match.

Age is used as an attribute. Then, it is assumed that the determination unit 2020 estimates an age group such as "teens" or "20s" as the age of the operator 10 from the operator image 40. In this case, the determination unit 2020 determines that the age of the operator 10 and the age of the predetermined person match when the age of the predetermined person is included in the estimated age group of the operator 10. On the other hand, when the age of the predetermined person is not included in the estimated age group of the operator 10, the determination unit 2020 determines that the age of the operator 10 and the age of the predetermined person do not match.

In addition, for example, it is assumed that the determination unit 2020 estimates a specific age such as "23 years old" instead of the age group as the age of the operator 10. In this case, for example, the determination unit 2020 determines that the age of the operator 10 and the age of the predetermined person match when the difference between the age of the operator 10 and the age of the predetermined person is equal to or less than the threshold value. On the other hand, when the difference between the age of the operator 10 and the age of the predetermined person is larger than the threshold value, the determination unit 2020 determines that the age of the operator 10 and the age of the predetermined person do not match. Further, the determination unit 2020 may determine that they match only when the age of the operator 10 and the age of the predetermined person match (when the difference between the two is zero).

When both age and gender are used as attributes (when these pairs are used), the determination unit 2020 matches the age of the operator 10 with the age of the predetermined person, and the gender and the predetermined person of the operator 10 are matched. When the genders of the above match, it is determined that the operator 10 is a predetermined person. On the other hand, if either the age or the gender does not match, the determination unit 2020 determines that the operator 10 is not a predetermined person.

When using a person's image as an attribute, the determination unit 2020 compares the operator image 40 with the image of a predetermined person. It should be noted that an existing technique can be used as a technique for determining whether or not the persons included in these images are the same by comparing two images including a person. For example, 2020 calculates the similarity between the operator image 40 and the image of the predetermined person, and determines that the operator image 40 and the image of the predetermined person match when the calculated similarity is equal to or greater than the threshold value. On the other hand, if their similarity is less than the threshold value, it is determined that they do not match. The same applies when using a feature amount obtained from a person's image as an attribute.

<Execution of coping process: S106>
When the operator 10 is not a predetermined person (S104: NO), the coping execution unit 2040 executes the coping process (S106). As described above, the coping process includes at least one or more of a process of delaying the progress of the transaction and a process of pretending that the transaction is in progress.

The process of delaying the progress of a transaction is a process of making the time required for any one or more of the processes included in the transaction process longer than usual. For example, in a transaction related to an account such as a bank account or a credit card, the operator 10 is authenticated (for example, a password is input). Therefore, for example, when it is determined that the operator 10 is not a predetermined person, the coping execution unit 2040 fails in the authentication even if the operator 10 is correctly authenticated at least once (for example, the password is incorrect). Is output) and asks for authentication again. By doing so, the operator 10 has to authenticate again, so that the progress of the transaction can be delayed.

In addition, for example, the coping execution unit 2040 makes the screen transition in the ATM 20 slower than the normal time, makes the response of the ATM 20 to the input operation by the operator 10 slower than the normal time, and the time required for the withdrawal process (for example, money). Transactions may be delayed by performing processing such as making the time required for counting numbers longer than usual.

The process of pretending that the transaction is in progress is a process of making the operator 10 recognize that the transaction is in progress even though the transaction is not actually in progress. For example, withdrawal is one of the transactions at ATM20. When withdrawal is made, the hardware for withdrawing cash is driven, so the driving sound is heard. Upon hearing this driving sound, the operator 10 is considered to recognize that the withdrawal process is in progress.

Therefore, for example, the coping execution unit 2040 makes a driving sound of the hardware used for withdrawal sound when it is determined that the operator 10 is not a predetermined person when the withdrawal operation is performed by the operator 10. Control the hardware. For example, by driving the hardware that counts money to count money, it is possible to pretend that the commuting process is being performed. The currency counting performed here may be a process of counting the amount of money specified by the operator 10, or a predetermined counting process (for example, 1,000 yen) regardless of the designation by the operator 10. It may be (counting 100 bills, etc.). Further, the coping execution unit 2040 may reproduce the drive sound of the hardware recorded in advance instead of actually driving the hardware described above. Further, the sound reproduced by the coping execution unit 2040 is not limited to the driving sound of the hardware described above, and may be an arbitrary electronic sound.

In addition, for example, the coping execution unit 2040 may display a message indicating that the transaction processing is in progress on the display device of the ATM 20. By displaying such a message, it is possible to pretend that the transaction is in progress.

<About other processing>
The above-mentioned countermeasure processing includes notification processing to the holder of the target account, notification processing to the person in charge of the store where the ATM20 is installed (clerk, security guard, etc.), external organization (for example, security company, police, etc.). Various notification processes such as a notification process to the user may be further included. The notification includes, for example, information about the ATM 20 (identification information, location information, etc.), information about the target account, an operator image 40, and the like. Information for identifying the notification destination (terminal used by the holder, terminal used by a clerk or security guard, terminal used by the above-mentioned external organization, etc.) is accessed in advance from the coping execution unit 2040. Store in a possible storage device.

When notifying the holder of the target account, an operation of specifying whether or not to allow the transaction by the operator 10 and whether or not to freeze the target account (whether or not the transaction cannot be performed) are specified. The holder may be able to perform an operation or an operation for designating whether or not to report to the police or the like. For example, the holder can easily determine whether or not the operator 10 is a person (for example, a family member) who can make a transaction with respect to the target account by referring to the operator image 40 included in the notification. be able to. Similarly, the holder can easily determine whether or not the target account should be frozen by referring to the operator image 40 or the like. Here, instead of letting the holder choose whether or not to report to the police, etc., depending on the operation of selecting not to allow the transaction by the operator 10 or the operation of freezing the target account, The report to the police or the like may be made automatically.

Note that the coping execution unit 2040 may perform only the above-mentioned notification process without performing the process of delaying the transaction or the process of pretending that the transaction is in progress.

Further, the transaction control device 2000 may determine whether or not the operator 10 is a predetermined person only when the target account satisfies a predetermined condition. For example, the predetermined condition is that "the age of the holder of the target account is equal to or greater than the threshold value". By setting such conditions, it is possible to target only elderly accounts that are vulnerable to fraudulent transactions.

[Embodiment 2]
<Overview>
FIG. 5 is a diagram conceptually exemplifying the operation of the transaction control device 2000 according to the second embodiment. Here, the operation of the transaction control device 2000 described with reference to FIG. 5 is an example for facilitating the understanding of the transaction control device 2000, and does not limit the operation of the transaction control device 2000. Details and variations of the operation of the transaction control device 2000 will be described later.

The transaction control device 2000 of the second embodiment executes the coping process described in the first embodiment when the operator 10 is a person who has made a transaction for the first predetermined number or more of accounts. The first predetermined number is a value of 2 or more. A person who has traded on many accounts is likely to be fraudulently trading on someone else's account. Therefore, when a transaction is about to be carried out by such a person, by executing a coping process, such a person stays in the place for a longer period of time, and a security guard, a police officer, etc. Increase the probability of being caught.

The transaction control device 2000 uses the first list 60 to determine whether or not the operator 10 is a person who has made a transaction with respect to the first predetermined number or more of accounts. In the first list 60, the information of the person who has made a transaction for the first predetermined number or more of the accounts is shown. The transaction control device 2000 uses the operator image 40 to determine whether or not the operator 10 is included in the first list 60. When the operator 10 is included in the first list 60, the transaction control device 2000 determines that the operator 10 is a person who has made a transaction with respect to the first predetermined number or more of accounts. On the other hand, when the operator 10 is not included in the first list 60, the transaction control device 2000 determines that the operator 10 is not a person who has made a transaction with respect to the first predetermined number or more of accounts.

Hereinafter, the transaction control device 2000 of the second embodiment will be described in more detail.

<Example of functional configuration>
FIG. 6 is a block diagram illustrating the functional configuration of the transaction control device 2000 of the second embodiment. The transaction control device 2000 of the second embodiment has a second determination unit 2060 and a second coping execution unit 2080. The second determination unit 2060 determines whether or not the operator 10 is included in the first list 60 by using the operator image 40. When the operator 10 is included in the first list 60, the second countermeasure execution unit 2080 is one or more of a process of delaying the progress of the transaction, a process of pretending that the transaction is in progress, and a notification process. To execute.

<Example of hardware configuration>
The hardware configuration of the transaction control device 2000 of the second embodiment is represented by, for example, FIG. 3 as in the hardware configuration of the first embodiment. However, the storage device 1080 of the second embodiment stores a program for realizing the transaction control device 2000 of the second embodiment.

<Processing flow>
FIG. 7 is a flowchart illustrating a flow of processing executed by the transaction control device 2000 of the second embodiment. The second determination unit 2060 acquires the operator image 40 (S202). The second determination unit 2060 determines whether or not the operator 10 is included in the first list 60 by using the operator image 40 (S204). When the operator 10 is included in the first list 60 (S204: YES), the second coping execution unit 2080 executes the coping process (S206).

<About the first list 60>
The first list 60 shows the information of the person who has made a transaction for the first predetermined number or more of the accounts. Specifically, the first list 60 shows the image information of the person (the image of the person or the feature amount extracted from the image) for each person who has made a transaction for the first predetermined number or more of the accounts. There is. In addition, in the first list 60, the identification information of each account with which the person has made a transaction may be further shown in association with the image information of the person.

For example, the first list 60 is generated using the transaction history of each person. Specifically, for each transaction performed in the ATM 20, historical information indicating a pair of the operator image 40 and the account identification information is collected and stored in the storage device. It is preferable to collect the history information from each of the plurality of ATMs 20 installed in various places.

The device that generates the first list 60 (hereinafter, list generation device) uses each history information to associate the image information of a person with the identification information of one or more accounts that the person has made a transaction with. Generate aggregated information. Then, the list generation device extracts each image information associated with the identification information of the first predetermined number or more accounts from the aggregated information, and generates the first list 60 showing each image information.

The list generation device may be the transaction control device 2000 or a device other than the transaction control device 2000. In the latter case, the list generator has the hardware configuration shown in FIG. 3, similar to, for example, the transaction control device 2000.

<Acquisition of operator image 40: S202>
The method in which the second determination unit 2060 acquires the operator image 40 is the same as the method in which the determination unit 2020 acquires the operator image 40.

<Determination by the second determination unit 2060: S204>
The second determination unit 2060 determines whether or not the operator 10 is included in the first list 60 by using the operator image 40 (S204). Specifically, the second determination unit 2060 determines whether or not the image information matching the operator image 40 is included in the first list 60. When the image information matching the operator image 40 is included in the first list 60, the second determination unit 2060 determines that the operator 10 is included in the first list 60. On the other hand, when the image information matching the operator image 40 is not included in the first list 60, the second determination unit 2060 determines that the operator 10 is not included in the first list 60.

Here, the method of matching the operator image 40 with the image information is the same as the matching method described in the first embodiment. When the image information shown in the first list 60 is an image of a person, for example, the second determination unit 2060 calculates the similarity between the operator image 40 and the image information, and the similarity is equal to or higher than the threshold value. In this case, it is determined that the operator image 40 and the image information match. Further, when the image information shown in the first list 60 is a feature amount extracted from a person's image, for example, the second determination unit 2060 extracts the feature amount of the operator 10 from the operator image 40 and obtains the feature amount. The degree of similarity between the feature amount and the image information is calculated, and when the calculated degree of similarity is equal to or greater than the threshold value, it is determined that the operator image 40 and the image information match.

<Execution of coping process: S206>
When the operator 10 is included in the first list 60 (S204: YES), the second coping execution unit 2080 executes the coping process. Specifically, the second countermeasure execution unit 2080 performs any one or more of a process of delaying the progress of the transaction, a process of pretending that the transaction is in progress, and a notification process. The specific contents of each of these processes are as described in the first embodiment.

<Case where the operator 10 is not included in the first list 60>
When the operator 10 is not included in the first list 60 (S202: NO), the process performed by the transaction control device 2000 is arbitrary. For example, the transaction control device 2000 causes the operator 10 to execute the transaction as usual. In addition, for example, the transaction control device 2000 may execute a series of processes described in the first embodiment after it is determined that the operator 10 is not included in the first list 60. That is, when the operator 10 is not included in the first list 60 and the operator 10 is a predetermined person associated with the target account, the transaction control device 2000 executes a coping process. Instead, the operator 10 is allowed to perform the transaction as usual. On the other hand, the transaction control device 2000 executes a coping process when the operator 10 is not included in the first list 60 and the operator 10 is not a predetermined person associated with the target account.

<Modification example>
The transaction control device 2000 may further utilize a list of persons who are likely to make a legitimate transaction (hereinafter referred to as a second list). Specifically, in the second list, for each person whose number of accounts that have made a transaction is less than or equal to the second predetermined number, the image information of that person and the identification information of each account that the person has made a transaction with. It is shown in association with each other. The second predetermined number is an integer less than the first predetermined number. For example, if the second predetermined number is set to 1, the first list 60 shows the image information of each person who has made a transaction for only one account.

According to such a second list, for each person who has a small number of accounts that have made a transaction, the account that the person has made a transaction with is represented. Then, if the operator 10 is included in the second list and the target account that the operator 10 is trying to operate is associated with the operator 10 in the second list, the operator 10 is a legitimate transaction. It is thought that he is trying to do.

Therefore, the transaction control device 2000 determines whether or not the image information matching the operator image 40 is included in the second list. When the image information matching the operator image 40 is included in the second list, the transaction control device 2000 further includes the account identification information associated with the image information matching the operator image 40 in the identification information of the account. It is determined whether or not the information that matches the identification information of the target account is included. If the account identification information associated with the image information matching the operator image 40 includes the account identification information that matches the identification information of the target account, the transaction control device 2000 does not execute the coping process. (For example, the transaction by the operator 10 is performed as usual).

When the image information matching the operator image 40 is not included in the second list, or in the account identification information associated with the image information matching the operator image 40, the identification information of the target account is included. If no match is included, the transaction control device 2000 executes a series of processes described in the first and second embodiments.

According to such a flow, when it is highly probable that the operator 10 is conducting a legitimate transaction, the operator 10 conducts the transaction as usual without performing the processing described in the first and second embodiments. It will be possible to make it happen.

The second list can be generated in the same manner as the first list 60. That is, each image information associated with the identification information of the second predetermined number or less of accounts is extracted from the above-mentioned aggregated information, and a second list showing each extracted image information is generated.

Some or all of the above embodiments may also be described, but not limited to:
1. 1. Whether or not the operator is a predetermined person associated with the target account that is the target of the transaction performed by the operator by using the operator image which is the image of the operator of the ATM (Automated Teller Machine). Judgment unit to determine
A transaction control device having a coping execution unit that performs at least one of a process of delaying the progress of a transaction and a process of pretending that the transaction is in progress when the operator is not the predetermined person.
2. 1. When the determination unit does not match the attributes of the operator obtained from the operator image with the attributes of the predetermined person, the determination unit determines that the operator is not the predetermined person. The transaction control device described in.
3. 3. 2. The determination unit estimates at least one of the age and gender of the operator from the operator image and uses it as an attribute of the operator. The transaction control device described in.
4. 2. The determination unit extracts the feature amount of the operator from the operator image and uses it as an attribute of the operator. The transaction control device described in.
5. The determination unit acquires the attribute of the predetermined person from the card medium used for the transaction for the target account. 4. The transaction control device according to any one of 4.
6. The coping execution unit controls the ATM so as to output an output indicating that the authentication of the operator has failed. 5 The transaction control device according to any one of 5.
7. The coping execution unit controls the ATM so that the driving sound of the hardware used for the output of money is output. 5 The transaction control device according to any one of 5.
8. The coping execution unit transmits a notification including the operator image to the terminal of the holder of the target account. 7. The transaction control device according to any one of 7.
9. The coping execution unit transmits a notification including the operator image to the terminal of the person in charge of the store or the terminal of an external organization. 7. The transaction control device according to any one of 7.
10. The determination unit makes the determination when the age of the holder of the target account is equal to or greater than a predetermined value. 9 The transaction control device according to any one of 9.
11. The predetermined person is the holder of the target account or a person other than the holder who is permitted to trade with respect to the target account. 10. The transaction control device according to any one of 10.
12. Using an operator image, which is an image of an ATM (Automated Teller Machine) operator, a determination unit that determines whether or not the operator is a person who has made a transaction for an account of a first predetermined number or more.
When the operator is a person who has made a transaction for the first predetermined number or more of accounts, a process of delaying the progress of the transaction, a process of pretending that the transaction is in progress, and a notification including the operator image. A transaction control device having a coping execution unit that performs any one or more of the processes for outputting.
13. The determination unit performs the operation when the image information matching the operator image is included in the list showing the image information regarding the image of each person who has made a transaction for the first predetermined number or more of the accounts. It is determined that the person is a person who has made a transaction for the first predetermined number of accounts or more. The transaction control device described in.
14. The list includes persons who have made transactions with respect to the first predetermined number or more of accounts using a plurality of historical information associated with an ATM operator and an account that is the target of a transaction performed by the operator. Generated by detection, 13. The transaction control device described in.
15. A control method performed by a computer
Whether or not the operator is a predetermined person associated with the target account that is the target of the transaction performed by the operator by using the operator image which is the image of the operator of the ATM (Automated Teller Machine). Judgment step to determine
A control method having a coping execution step of performing at least one of a process of delaying the progress of a transaction and a process of pretending that the transaction is in progress when the operator is not the predetermined person.
16. In the determination step, when the attribute of the operator obtained from the operator image and the attribute of the predetermined person do not match, it is determined that the operator is not the predetermined person. The control method described in.
17. In the determination step, at least one of the age and gender of the operator is estimated from the operator image and used as an attribute of the operator. The control method described in.
18. In the determination step, the feature amount of the operator is extracted from the operator image and used as an attribute of the operator. The control method described in.
19. In the determination step, the attribute of the predetermined person is acquired from the card medium used for the transaction for the target account. 18 The control method according to any one of 18.
20. In the action execution step, the ATM is controlled so as to output an output indicating that the authentication of the operator has failed. 19. The control method according to any one of 19.
21. In the coping execution step, the ATM is controlled so that the driving sound of the hardware used for the output of money is output. 19. The control method according to any one of 19.
22. In the countermeasure execution step, a notification including the operator image is transmitted to the terminal of the holder of the target account. 21. The control method according to any one of 1.
23. In the countermeasure execution step, a notification including the operator image is transmitted to the terminal of the person in charge of the store or the terminal of an external organization. 21. The control method according to any one of 1.
24. In the determination step, when the age of the holder of the target account is equal to or greater than a predetermined value, the determination is performed. To 23 The control method according to any one of.
25. The predetermined person is the holder of the target account or a person other than the holder who is permitted to trade with respect to the target account. The control method according to any one of 24 to 24.
26. A control method performed by a computer
Using an operator image, which is an image of an ATM (Automated Teller Machine) operator, a determination step of determining whether or not the operator is a person who has made a transaction with a first predetermined number or more of accounts, and a determination step.
When the operator is a person who has made a transaction for the first predetermined number or more of accounts, a process of delaying the progress of the transaction, a process of pretending that the transaction is in progress, and a notification including the operator image. A control method having a coping execution step for performing any one or more of the processes of outputting.
27. In the determination step, when the list showing the image information regarding the image of each person who has made a transaction for the first predetermined number or more of the accounts includes the image information matching the operator image, the operation is performed. Judging that the person is a person who has made a transaction for the first predetermined number of accounts or more, 26. The control method described in.
28. The list includes persons who have made transactions with respect to the first predetermined number or more of accounts using a plurality of historical information associated with an ATM operator and an account that is the target of a transaction performed by the operator. Generated by detection, 27. The control method described in.
29. 15. To 28 A program that causes a computer to execute the control method described in any one of them.

10 operator 20 ATM
40 Operator image 50 Sensor 60 1st list 1000 Computer 1020 Bus 1040 Processor 1060 Memory 1080 Storage device 1100 Input / output interface 1120 Network interface 2000 Transaction control device 2020 Judgment unit 2040 Countermeasure execution unit 2060 Second judgment unit 2080 Second countermeasure execution unit

Claims

Whether or not the operator is a predetermined person associated with the target account that is the target of the transaction performed by the operator by using the operator image which is the image of the operator of the ATM (Automated Teller Machine). Judgment unit to determine
A transaction control device having a coping execution unit that performs at least one of a process of delaying the progress of a transaction and a process of pretending that the transaction is in progress when the operator is not the predetermined person.
The transaction control according to claim 1, wherein the determination unit determines that the operator is not the predetermined person when the attribute of the operator obtained from the operator image and the attribute of the predetermined person do not match. apparatus.
The transaction control device according to claim 2, wherein the determination unit estimates at least one of the age and gender of the operator from the operator image and uses it as an attribute of the operator.
The transaction control device according to claim 2, wherein the determination unit extracts a feature amount of the operator from the operator image and uses it as an attribute of the operator.
The transaction control device according to any one of claims 1 to 4, wherein the determination unit acquires the attribute of the predetermined person from the card medium used for the transaction for the target account.
The transaction control device according to any one of claims 1 to 5, wherein the coping execution unit controls the ATM so as to output an output indicating that the authentication of the operator has failed.
The transaction control device according to any one of claims 1 to 5, wherein the coping execution unit controls the ATM so that a driving sound of hardware used for money output is output.
The transaction control device according to any one of claims 1 to 7, wherein the coping execution unit transmits a notification including the operator image to the terminal of the holder of the target account.
The transaction control device according to any one of claims 1 to 7, wherein the coping execution unit transmits a notification including the operator image to the terminal of the person in charge of the store or the terminal of an external organization.
The transaction control device according to any one of claims 1 to 9, wherein the determination unit makes the determination when the age of the holder of the target account is equal to or greater than a predetermined value.
The transaction control device according to any one of claims 1 to 10, wherein the predetermined person is the holder of the target account or a person other than the holder who is permitted to trade for the target account.
Using an operator image, which is an image of an ATM (Automated Teller Machine) operator, a determination unit that determines whether or not the operator is a person who has made a transaction for an account of a first predetermined number or more.
When the operator is a person who has made a transaction for the first predetermined number or more of accounts, a process of delaying the progress of the transaction, a process of pretending that the transaction is in progress, and a notification including the operator image. A transaction control device having a coping execution unit that performs any one or more of the processes for outputting.
The determination unit performs the operation when the image information matching the operator image is included in the list showing the image information regarding the image of each person who has made a transaction for the first predetermined number or more of the accounts. The transaction control device according to claim 12, wherein the person determines that the person is a person who has made a transaction with respect to the first predetermined number of accounts or more.
The list shows the persons who have made transactions with respect to the first predetermined number or more of the accounts using a plurality of historical information associated with the ATM operator and the account that is the target of the transaction performed by the operator. The transaction control device according to claim 13, which is generated by detection.
A control method performed by a computer
Whether or not the operator is a predetermined person associated with the target account that is the target of the transaction performed by the operator by using the operator image which is the image of the operator of the ATM (Automated Teller Machine). Judgment step to determine
A control method having a coping execution step of performing at least one of a process of delaying the progress of a transaction and a process of pretending that the transaction is in progress when the operator is not the predetermined person.
The control method according to claim 15, wherein in the determination step, when the attribute of the operator obtained from the operator image and the attribute of the predetermined person do not match, it is determined that the operator is not the predetermined person. ..
The control method according to claim 16, wherein in the determination step, at least one of the age and gender of the operator is estimated from the operator image and used as an attribute of the operator.
The control method according to claim 16, wherein in the determination step, a feature amount of the operator is extracted from the operator image and used as an attribute of the operator.
The control method according to any one of claims 15 to 18, wherein in the determination step, the attribute of the predetermined person is acquired from the card medium used for the transaction for the target account.
The control method according to any one of claims 15 to 19, which controls the ATM so as to output an output indicating that the operator's authentication has failed in the countermeasure execution step.
The control method according to any one of claims 15 to 19, which controls the ATM so that the driving sound of the hardware used for the output of money is output in the countermeasure execution step.
The control method according to any one of claims 15 to 21, wherein a notification including the operator image is transmitted to the terminal of the holder of the target account in the countermeasure execution step.
The control method according to any one of claims 15 to 21, wherein in the countermeasure execution step, a notification including the operator image is transmitted to the terminal of the person in charge of the store or the terminal of an external organization.
The control method according to any one of claims 15 to 23, wherein in the determination step, the determination is performed when the age of the holder of the target account is equal to or greater than a predetermined value.
The control method according to any one of claims 15 to 24, wherein the predetermined person is the holder of the target account or a person other than the holder who is permitted to trade for the target account.
A control method performed by a computer
Using an operator image, which is an image of an ATM (Automated Teller Machine) operator, a determination step of determining whether or not the operator is a person who has made a transaction with a first predetermined number or more of accounts, and a determination step.
When the operator is a person who has made a transaction for the first predetermined number or more of accounts, a process of delaying the progress of the transaction, a process of pretending that the transaction is in progress, and a notification including the operator image. A control method having a coping execution step for performing any one or more of the processes of outputting.
In the determination step, when the list showing the image information regarding the image of each person who has made a transaction for the first predetermined number or more of the accounts includes the image information matching the operator image, the operation is performed. The control method according to claim 26, wherein the person determines that the person is a person who has made a transaction with respect to the first predetermined number of accounts or more.
The list shows the persons who have made transactions with respect to the first predetermined number or more of the accounts using a plurality of historical information associated with the ATM operator and the account that is the target of the transaction performed by the operator. The control method according to claim 27, which is generated by detection.
A program that causes a computer to execute the control method according to any one of claims 15 to 28.