JP2019185278A - Automatic transaction device, automatic transaction system, automatic transaction method, and automatic transaction program - Google Patents

Abstract

To provide an automatic transaction device capable of easily specifying a person who performs illegal transaction with the use of a forged card.SOLUTION: An automatic transaction device 1 includes a transaction processing unit 43 performing transaction based on a transaction card, a determination unit 41 determining whether or not card face image data of a forged card, which is suspected to be forged, coincides with card face image data of the transaction card used for the transaction, and an imaging control unit 42 controlling an imaging unit 2 such that an information amount of a photographed image with respect to a transactor of the transaction card is larger than that of transaction in normal time when a determination result done by the determination unit 41 indicates that both image data coincides with each other.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an automatic transaction apparatus, an automatic transaction system, an automatic transaction method, and an automatic transaction program.

  In recent years, skimming, which is a crime for extracting counterfeit cards with exactly the same magnetic information by extracting magnetic information written on cash cards, is a technique often used in card crimes.

  In order to identify an unauthorized trader who performs a card transaction using such a counterfeit card or the like, a technique for photographing a trader by installing a camera in an automatic transaction apparatus has been proposed (for example, see Patent Document 1).

JP 2004-139447 A

  However, in the conventional technology, based on the history information of the host connected to the automatic transaction apparatus, the automatic transaction apparatus in which the fraudulent transaction is performed by the counterfeit card is specified, and the photographed image taken by the specified automatic transaction apparatus The fraudulent trader was identified based on

  However, since the storage capacity of the automatic transaction apparatus is limited, the captured image captured by the camera has a low resolution and the number of captured images is limited. As a result, there are cases in which it is not easy to identify fraudulent traders.

  In view of the above-described problems, an object of the present invention is to provide an automatic transaction apparatus that can easily identify a person who performs an illegal transaction with a forged card.

  In order to achieve the above-mentioned object, the present invention is an automatic transaction apparatus, a transaction processing unit for performing a transaction based on a transaction card, a ticket image data of a forged card suspected of being forged, and the transaction. When the determination unit for determining whether or not the bill image data of the transaction card used matches the determination result by the determination unit, the information amount of the photographed image for the transaction card trader is usually And an imaging control unit that controls the imaging unit so as to be more than in the case of transaction at the time.

  Further, the present invention is an automatic transaction system comprising a host and an automatic transaction apparatus that transmits and receives messages to and from the host, wherein the automatic transaction apparatus performs a transaction based on a transaction card, a counterfeit When the determination result by the determination part and the determination part which determines whether the ticket image data of the forged card suspected to be matched and the ticket image data of the transaction card used for the transaction match Includes an imaging control unit that controls the imaging unit so that the amount of information of the captured image with respect to the transaction card transaction person is larger than that in a normal transaction.

  Further, the present invention is an automatic transaction method, which performs a transaction based on a transaction card, and the image data of the counterfeit card that is suspected of being counterfeited, and the image data of the transaction card used in the transaction If the results of the determination match, the imaging unit is controlled so that the amount of information in the captured image for the transaction card transaction is greater than in the case of a normal transaction. It is characterized by that.

  Further, the present invention is an automatic transaction program for causing an automatic transaction apparatus to execute, a transaction process for performing a transaction based on a transaction card, a face image data of a forged card suspected of being forged, and the transaction When the determination process for determining whether or not the card image data of the transaction card used for the transaction matches the result of the determination process, the information amount of the photographed image for the transaction card trader is usually And an imaging control process for controlling the imaging unit so as to be more than in the case of transaction at the time.

  According to the present invention, it is possible to easily identify a person who performs an illegal transaction with a forged card.

It is a figure explaining an example of the appearance composition of the automatic transaction device concerning this embodiment. It is a figure explaining an example of the whole composition of the automatic transaction system concerning the embodiment of the present invention. It is a figure which shows an example of the hardware constitutions of the automatic transaction apparatus which concerns on this embodiment. It is a figure which shows an example of the functional block diagram of the automatic transaction apparatus of this embodiment which concerns on an automatic transaction process. It is a figure which shows an example of the card face image of a cash card. It is a flowchart which shows an example of operation | movement of the automatic transaction process of the automatic transaction apparatus of this embodiment. It is a flowchart which shows an example of operation | movement of a host communication post-process. It is a figure which shows an example of the process performed when the determination result by a determination part does not correspond. It is a figure which shows an example of the process performed when the determination result by a determination part corresponds.

  Hereinafter, this embodiment of the present invention will be described in detail.

  FIG. 1 is a diagram illustrating an example of an external configuration of an automatic transaction apparatus 1 according to the present embodiment. The automatic transaction apparatus 1 shown in FIG. 1 is, for example, an automatic teller machine such as an ATM installed near a bank, a convenience store, a supermarket, a station or an airport concourse wall.

  In the example of FIG. 1, the automatic transaction apparatus 1 is provided with an imaging unit 2, a passbook entry port 3, a card entry port 4, a banknote intake port 5, a coin intake port 6, and an image display unit 7. .

  The imaging unit 2 is, for example, a camera that takes a picture of a trader (hereinafter referred to as “trader”) who trades with the automatic transaction apparatus 1 in order to identify a person who performs an illegal transaction with a counterfeit card.

  The passbook entry port 3 is a take-in port through which a bankbook is taken in and out when a trader performs a financial service using the passbook. The card slot 4 is used when a trader performs a financial service using a card (hereinafter also referred to as “card” or “transaction card”) for performing transactions in the automatic transaction apparatus 1 such as a cash card or a credit card. This is a slot for taking cards in and out.

  The banknote inlet 5 is an inlet used when taking in and out banknotes. The coin intake 6 is an intake used when taking in and out money.

  The image display unit 7 includes, for example, an output unit 22 (see FIG. 3 described later) for displaying information necessary for the trader to use the service and an input unit 23 (see FIG. 3 described later) for inputting information. ) And. On the premises such as a bank where the automatic transaction apparatus 1 is installed, a premises camera 13 is installed.

  FIG. 2 is a diagram illustrating an example of the overall configuration of the automatic transaction system according to the embodiment of the present invention. The authentication processing system 10 shown in FIG. 2 includes n (n is a natural number) automatic transaction apparatuses 1-1 to 1-n, a host 12, and a local camera 13.

  The automatic transaction apparatuses 1-1 to 1-n have substantially the same configuration as the automatic transaction apparatus 1 of FIG. When there is no need to describe the automatic transaction apparatuses 1-1 to 1-n in particular, the automatic transaction apparatuses 1-1 to 1-n are referred to as “automatic transaction apparatuses 1”. The automatic transaction apparatus 1 is connected to a host 12 and a local camera 13 via a network NW.

  The host 12 is configured by a PC (Personal Computer) and includes a control unit, a storage unit, and the like. The host 12 is connected to each of the automatic transaction apparatuses 1-1 to 1-n and the local camera 13 via the network NW.

  The on-site camera 13 photographs a trader who uses each of the automatic transaction apparatuses 1-1 to 1-n. Moreover, the local camera 13 can change the direction so as to photograph a trader who is doing business with a specific automatic transaction apparatus 1 among the automatic transaction apparatuses 1-1 to 1-n.

  FIG. 3 is a diagram illustrating an example of a hardware configuration of the automatic transaction apparatus 1 according to the present embodiment. The automatic transaction apparatus 1 includes a control unit 20, a storage unit 21, an output unit 22, an input unit 23, a card reading unit 24, a bankbook processing unit 25, a banknote processing unit 26, a coin processing unit 27, a transmission / reception unit 28, and an imaging unit 2. Have.

  The control unit 20 controls the entire automatic transaction apparatus 1 in an integrated manner, and is realized by software processing of a CPU (Central Processing Unit) that reads a control program. The storage unit 21 is, for example, an HDD (Hard disk Drive) or the like, and stores screen data displayed on the control program and the output unit 22, sheet image data of forged cards suspected of being forged, and various data. The ticket image data of the forged card will be described later.

  When the control unit 20 detects that the transaction is selected and the cash card is inserted into the card reading unit 24, the control unit 20 uses the counter image data (see FIG. 5) of the forged card suspected of being counterfeited and the transaction. It is determined whether or not the cash card face image data matches. If the determination results match, the control unit 20 determines that the transaction is based on a counterfeit card, and the imaging unit 2 is configured so that the information amount of the captured image for the cash card transaction person is larger than that in the normal transaction. Image. Details of the determination of the forged card and the cash card and the control of imaging by the imaging unit 2 will be described later.

  As shown in FIG. 1, the output unit 22 displays a display screen for guiding financial transactions on the image display unit 7 (see FIG. 1) and a display screen for inputting a personal identification number on the image display unit 7. The input unit 23 receives an instruction from the trader and notifies the control unit 20 of the instruction content. The input unit 23 is a touch panel and is configured integrally with the output unit 22.

  The card reading unit 24 reads the card information of the cash card inserted by the trader into the card slot 4 (see FIG. 1), and notifies the control unit 20 of the read card information. The card may be a magnetic card or an IC card. The card reading unit 24 has a function of optically reading an embossed image, characters, symbols, and the like formed on the cash card face image inserted into the card slot 4. The card reading unit 24 notifies the control unit 20 of the read ticket image data. In the case of a magnetic card, the card reading unit 24 reads MS (magnetic stripe) data and notifies the control unit 20 of the read MS data. In the case of an IC card, data is read from the IC chip, and the read data of the IC chip is notified to the control unit 20. The bankbook processing unit 25 records the transaction contents in the bankbook inserted by the trader into the bankbook entry 3 (see FIG. 1).

  The banknote processing unit 26 stores a banknote deposited by the trader in the banknote intake port 5 in the internal banknote storage unit at the time of depositing, and pays out a predetermined number of banknotes from the internal banknote storage unit at the time of withdrawal. Withdraw money from. The coin processing unit 27 stores a coin, which has been deposited in the coin intake 6 by the trader when depositing, in the internal coin storage unit, and pays out a predetermined number of coins from the internal coin storage unit when dispensing. Withdraw money from. The transmission / reception unit 28 transmits / receives a predetermined message to / from the host 12 and the monitoring device 14 via the network NW.

  Based on the transaction execution request message received from the automatic transaction apparatus 1, the host 12 determines whether or not the financial transaction indicated by the transaction execution request message is a legitimate financial transaction, and uses the determination result as a transaction execution request message. As a response message to the automatic transaction apparatus 1.

  The monitoring device 14 is configured by a PC and includes a control unit, a storage unit, a display unit, an audio output unit, and the like. The monitoring device 14 is connected to each of the automatic transaction devices 1-1 to 1-n and the local camera 13 via the network NW. Based on the instruction received from the host 12, the monitoring device 14 determines whether or not the financial transaction indicated by the transaction execution request message is a legitimate financial transaction, and uses the determination result as a response message to the transaction execution request message. Reply to the automatic transaction apparatus 1.

  FIG. 4 is a diagram illustrating an example of a functional block diagram of the automatic transaction apparatus 1 according to the present embodiment related to automatic transaction processing. The control unit 20 of the automatic transaction apparatus 1 includes a determination unit 41, an imaging control unit 42, a transaction processing unit 43, and a notification unit 44. The storage unit 21 includes a forged card data storage unit 51.

  The counterfeit card data storage unit 51 stores at least one piece of counter image data of a counterfeit card suspected of being counterfeited. The counter image data of the forged card is updated based on data distributed from the host 12 at a predetermined timing. The predetermined timing can be arbitrarily changed. For example, the predetermined timing can be updated at any timing in units of hours, days, months, and years, or when a crime by a counterfeit card occurs.

  In this embodiment, the counterfeit card suspected of being counterfeited includes a cash card that is actually on the market as a counterfeit card and a cash card that is expected to be marketed as a counterfeit card in the future. In the present embodiment, the ticket image data includes image image information on the front surface or the back surface of a counterfeit card suspected of being counterfeited.

  Next, an example of a ticket image of a forged card suspected of being counterfeited will be described. FIG. 5 is a diagram illustrating an example of a cash face image of the cash card 61. FIG. 5A is a diagram illustrating an example of a ticket image of a regular (normal) cash card 61a. FIG. 5B is a diagram illustrating an example of a face image of a forged card 61b suspected of being forged.

  As shown in FIG. 5 (1), the bank name 62a, branch number 62b, account number 62c, account name 62d, and embossed pattern 62e peculiar to the bank from which the cash card is issued are placed on the surface of the regular cash card 61a. Is attached.

  On the other hand, as shown in FIG. 5 (2), on the surface of the forged card 61b suspected of being counterfeited, the bank name 62a, branch number 62b, and account number 62c as shown in FIG. The account name 62d and the embossed pattern 62e peculiar to the bank from which the cash card is issued are not attached. The counterfeit card 61b suspected of being counterfeited is attached with a monochrome background such as white or black. The data format of the bill image stored in the forged card data storage unit 51 is not particularly limited. For example, various types of image data expression formats such as known bitmap images and vector images can be employed.

  The counterfeit card 61b suspected of being counterfeited is not limited to a single color background such as white or black, and may have an emboss such as a character or a figure different from the surface of the regular cash card 61a.

  In addition, the counterfeit card data storage unit 51 stores the counterfeit card face image data as image data. However, the present invention is not limited thereto. For example, only the image feature amount extracted from the counterfeit card face image data is stored. It may be.

  Further, the counter image data of the counterfeit card is stored in the counterfeit card data storage unit 51 in the automatic transaction apparatus 1, but is not limited thereto. For example, it may be stored in a storage unit in the host 12.

  The determination unit 41 determines whether or not the ticket surface image data of a forged card suspected of being counterfeited matches the ticket surface image data of a transaction card used for the transaction.

  Specifically, the determination unit 41 uses the card surface image data stored in the counterfeit card data storage unit 51 as the cash card sheet image (see FIG. 5A) read by the card reading unit 24. It is determined whether or not it matches any one of the image images (see FIG. 5 (2)).

  The determination as to whether or not the ticket images match has, for example, the same feature value in the feature value included in the ticket image data of the cash card used for the transaction and the feature value included in the ticket image data of the counterfeit card. This is performed depending on whether the number of feature points is equal to or greater than a predetermined threshold.

  For example, as shown in FIG. 5 (2), the cash card sheet image used in the transaction is plain, and the counter image stored in the forged card data storage unit 51 is also illustrated in FIG. 5 (2). If it is plain, the determination unit 41 determines that they match.

  On the other hand, for example, as shown in FIG. 5 (1), the cash card used for the transaction has an emboss such as a predetermined bank name 62 a and is stored in the forged card data storage unit 51. If the image is plain as shown in FIG. 5 (2), the determination unit 41 determines that they do not match.

  The determination unit 41 notifies the imaging control unit 42, the transaction processing unit 43, and the notification unit 44 of the determination result as to whether or not the ticket face images match. Specifically, when the ticket surface images match, the determination unit 41 sets the forgery determination flag to ON to display a determination result indicating that the ticket surface images match, the imaging control unit 42, the transaction processing unit 43, Notify the notification unit 44.

  The forgery determination flag is information indicating whether or not the ticket image matches, and is stored in the storage unit 21. If the determination result of the determination unit 41 matches, it is set to ON, and if the determination result does not match, it is set to OFF.

  When the determination result by the determination unit 41 matches, that is, when the forgery determination flag is ON, the imaging control unit 42 determines that the transaction is a forgery card, and the information amount of the captured image for the transaction card trader is The imaging unit 2 is controlled so as to be larger than that in the case of normal transaction. In the present embodiment, the normal transaction refers to a regular card transaction in which a counterfeit card transaction is not performed.

  For example, the imaging control unit 42 performs control to increase the number of times of photographing as compared with the transaction at the normal time as a method for increasing the information amount of the captured image as compared with the transaction at the normal time.

  Specifically, in the normal transaction, the imaging control unit 42 withdraws money from the banknote inlet 5 by the timing at which the trader inserts the cash card into the card inlet 4 and the banknote processing unit 26. Control is performed so that the imaging unit 2 captures images at the timing twice.

  On the other hand, when the determination results match, the imaging control unit 42, in addition to the normal imaging timing (for example, twice), further, after the transaction person inserts the cash card into the card slot 4 The image pickup unit 2 is controlled so as to pick up an image of the trader until the banknote is taken out from the bill intake port 5.

  It is assumed that fraudulent traders are generally wary when inserting a cash card and receiving cash. In this regard, if it is determined that the determination results match and there is a high possibility that an illegal transaction is being conducted, the timing at a timing other than the timing that is imaged in the normal transaction in which the unauthorized trader is wary It is desirable to obtain many images. As a result, it is possible to obtain a large amount of evidence necessary for identifying a person who conducts an illegal transaction by using a counterfeit card, and it is possible to identify a person who conducts an illegal transaction.

  When the determination results match, the transaction processing unit 43 performs the transaction with a processing time longer than the normal processing time. Specifically, the transaction processing unit 43 processes the transaction at the first transaction time in the normal transaction, whereas when the determination results match, the transaction processing unit 43 Processing is performed so that the transaction is performed with a transaction time longer than the time, that is, a second transaction time longer than the first transaction time.

  For example, the transaction processing unit 43 controls to display a transaction screen immediately after receiving a transaction execution response message from the host 12 when the determination results do not match, that is, in a normal transaction. On the other hand, when the determination results match, the transaction processing unit 43 sets the transaction extension counterfeit timer to ON without displaying the transaction screen immediately after receiving the transaction execution response message from the host 12.

  The transaction extension counterfeit timer is information indicating whether or not to extend the transaction. When the transaction extension counterfeit timer is set to ON, the transaction processing unit 43 sets a predetermined dummy wait time. The transaction processing unit 43 controls to display a transaction screen after a predetermined dummy wait time has elapsed. That is, when the determination results match, the transaction processing unit 43 determines that the transaction is based on a counterfeit card, and extends the transaction time compared to the normal transaction. When the dummy wait time has elapsed, the transaction processing unit 43 sets the transaction time counterfeit timer to OFF.

  Thereby, when it is determined that the determination results match and there is a high possibility that an illegal transaction is being performed, the person who performs the illegal transaction can be kept on the spot, while the imaging unit It is possible to increase the chances of taking an image by 2 and directly confirming a person who directly conducts an illegal transaction by a clerk or a guard. Therefore, it is possible to increase the opportunity to specify a person who conducts an illegal transaction by using a counterfeit card, and it is possible to identify a person who performs an illegal transaction.

  When the determination results match, the notification unit 44 determines that the transaction is forged cards and notifies the monitoring device 14 of the transaction. As a notification content of the notification unit 44, a message or voice saying “There is a possibility of using a forged card” can be notified. Note that the notification target of the notification unit 44 is not limited to the monitoring device 14, and may be notified to a bank branch office terminal or the like.

  As a result, when it is determined that the determination results match and there is a high possibility that an illegal transaction is being performed, the monitoring device 14 is immediately notified, so the administrator of the monitoring device 14 responds immediately. can do.

Therefore, when an illegal transaction is performed, in addition to the evidence from the imaging unit 2, it is possible to increase the chance that the administrator of the monitoring device 14 or the officer terminal immediately responds. Thereby, the opportunity to confirm directly the person who performs an illegal transaction with a forged card can be increased, and it can lead to the identification of the person who performs an illegal transaction.
<An example of a flowchart of this embodiment>
Next, an example of the processing flow of the present embodiment will be described with reference to the flowcharts of FIGS.

  FIG. 6 is a flowchart showing an example of the operation of the automatic transaction process of the automatic transaction apparatus 1 of the present embodiment. FIG. 7 is a flowchart showing an example of operation of post-host communication processing in the automatic transaction processing of FIG.

  When the automatic transaction process of FIG. 6 is started, the control unit 20 sets the forgery determination flag to OFF as an initial setting. Thereafter, the transaction processing unit 43 displays a predetermined transaction selection screen on the image display unit 7 and accepts the transaction selection of the transaction person (step S11).

  The card reading unit 24 accepts insertion of a cash card inserted into the card slot 4 (see FIG. 1) (step S12). In addition, the imaging control part 42 performs control which images the transaction person of the automatic transaction apparatus 1 by the imaging part 2 at the timing of card insertion reception. The imaging process by the imaging unit 2 is a process that is also performed in a normal transaction.

  The determination unit 41 determines whether or not the inserted cash card is a forged card (step S13). In this process, the determination unit 41 compares the cash card sheet image read by the card reading unit 24 with the ticket image stored in the forged card data storage unit 51. Then, the determination unit 41 determines whether there is a counterfeit card image corresponding to the read cash card image.

  If there is a match, the determination unit 41 determines that the card is a counterfeit card (YES in step S13), and sets the counterfeit determination flag to ON. Thereafter, the process proceeds to step S15. On the other hand, if there is no match, the determination unit 41 determines that the card is not a forgery card (NO in step S13), and the process proceeds to step S15 without setting the forgery determination flag to ON. .

  The transaction processing unit 43 receives the transaction execution response message transmitted from the host 12 after transmitting the transaction execution request message to the host 12 (step S15). After transmission / reception of a message with the host 12, the control unit 20 performs post-host communication processing (step S16).

  FIG. 7 is a subroutine of host communication post-processing. When the host communication post-process in FIG. 7 is started, the imaging control unit 42 determines whether or not the forgery determination flag is ON (step S31). If it is determined that the forgery determination flag is OFF (NO in step S31), there is a high possibility that a transaction using a forgery card is not performed. Therefore, the processing after steps S32 to S35 is not performed. The process ends, and the process proceeds to step S17 in FIG.

  On the other hand, if it is determined that the forgery determination flag is ON (YES in step S31), there is a high possibility that a transaction using a forgery card is being performed. Control for starting the imaging process is performed (step S32). Imaging by the imaging control unit 42 can be performed until a later-described transaction extension counterfeit timer is set to OFF. Therefore, in this process, for example, after the transaction execution response message is received from the host 12, the imaging unit 2 performs imaging even when a predetermined guidance screen is displayed or when the number of bills fed out is counted. The imaging control unit 42 controls so as to perform.

  The notification unit 44 notifies the monitoring device 14 that there is a high possibility that a transaction using a counterfeit card is performed (step S33). Upon receiving the notification, the monitoring device 14 notifies the administrator of the monitoring device 14 with a message or voice that there is a high possibility that a transaction using a counterfeit card is being performed.

  The transaction processing unit 43 sets the transaction extension counterfeit timer to ON (step S34), and sets a predetermined dummy wait time. Then, after a predetermined dummy wait time elapses, the transaction processing unit 43 controls to display a transaction screen on the image display unit 7. Thereafter, the transaction processing unit 43 sets the transaction extension counterfeit timer to OFF. The imaging control unit 42 ends the imaging process by the imaging unit 2 (step S35). When this process ends, the process returns to step S17 in FIG.

The card reading unit 24 performs a process of returning the cash card inserted into the card intake 4 (step S17). The banknote processing unit 26 feeds out a predetermined number of banknotes from the inside of the automatic transaction apparatus 1 and discharges cash from the banknote inlet 5 (step S18). In addition, the imaging control part 42 performs control which images the transaction person of the automatic transaction apparatus 1 with the imaging part 2 at the timing of cash discharge | release. The imaging process by the imaging unit 2 is a process that is also performed in normal transactions. When this process ends, the automatic transaction process ends.
<Example of sequence chart of this embodiment>
Next, an example of the processing flow of the present embodiment will be described with reference to the sequence charts of FIGS. FIG. 8 is a diagram illustrating an example of processing performed when the determination results by the determination unit 41 do not match. FIG. 9 is a diagram illustrating an example of processing performed when the determination results by the determination unit 41 match.

  When the determination results by the determination unit 41 do not match, that is, when it is unlikely that an illegal transaction using a counterfeit card is performed, the automatic transaction process at the time of normal transaction in FIG. 8 is performed. First, the control part 20 performs control which displays a predetermined | prescribed selection screen (step S51), and receives the selection operation selected by the trader (step S52). Thereafter, the control unit 20 determines whether or not the inserted cash card is a counterfeit card (step S53).

  The automatic transaction apparatus 1 transmits a transaction execution request message to the host 12 (step S54), and the automatic transaction apparatus 1 receives a transaction execution response message for the transaction execution request message transmitted from the host 12 (step S55). ). When the transaction execution response message is received, the control unit 20 performs a control to display a predetermined guidance screen to the effect that the card is returned or the cash is released on the image display unit 7 (step S56), and the display process is terminated (step S56). S57), the automatic transaction process is terminated.

  When the determination results by the determination unit 41 match, that is, when there is a high possibility that an illegal transaction using a counterfeit card is performed, the automatic transaction process at the time of the illegal transaction in FIG. 9 is performed. Note that the processing in steps S61 to S65 and S70 in FIG. 9 is substantially the same as the processing in steps S51 to S55 and S56 in FIG.

  Upon receiving the transaction execution response message, the control unit 20 does not immediately display the transaction screen on the image display unit 7, but sets the transaction extension counterfeit timer to ON and sets a predetermined dummy wait time (step S66). .

  Further, the control unit 20 performs control for starting the imaging process by the imaging unit 2 (step S67). The control unit 20 receives a notification from the imaging unit 2 that a predetermined number of images have been captured (step S68), and terminates the imaging process.

  The control unit 20 determines whether or not a predetermined dummy wait time has elapsed. When the dummy wait time has elapsed (step S69), the control unit 20 displays a predetermined guidance screen to the effect that the card is returned or the cash is released on the image display unit 7. (Step S70), the display process is terminated (step S71), and the automatic transaction process is terminated.

  Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various improvements and modifications can be made without departing from the scope of the present invention.

  In the above-described embodiment, when the determination results match, the imaging control unit 42 performs control to increase the number of imaging times compared to the case of normal transaction, but is not limited thereto. For example, the imaging control unit 42 may perform control to capture an image with a higher resolution than that in the normal transaction as a method for increasing the information amount of the captured image as compared with the normal transaction.

  Specifically, the imaging control unit 42 controls the imaging unit 2 to perform imaging at a first resolution (for example, about 1 million pixels) in a normal transaction. On the other hand, if the determination results match, the imaging control unit 42 captures an image with a higher resolution than normal, that is, a second resolution higher than the first resolution (for example, 2 million pixels). The imaging unit 2 is controlled.

  Thereby, when it is determined that the determination results match and there is a high possibility that an illegal transaction is being performed, a clear image can be obtained. Therefore, it is possible to obtain evidence necessary for distinguishing the face, clothes, etc. of a person who conducts an illegal transaction with a counterfeit card, and this can lead to the identification of the person who performs the illegal transaction.

  Further, in the above-described embodiment, the imaging control unit 42 controls the imaging unit so that the number of times of shooting is larger than that in the normal transaction when the determination results match, but this is not limited thereto. It is not a thing.

  For example, when the determination results match, the imaging control unit 42 performs control of imaging with the local camera 13 in which the automatic transaction apparatus 1 is installed, in addition to imaging by the imaging unit 2. In this case, the imaging control unit 42 may perform control to capture an image in the direction of the automatic transaction apparatus 1 suspected that the transaction using the counterfeit card is performed or the transaction direction. Further, when the transaction person moves, control may be performed in which the transaction person is automatically tracked and photographed by moving the photographing direction of the local camera 13.

  Further, in the above-described embodiment, the transaction processing unit 43 performs a transaction with a processing time longer than the normal transaction processing time when the determination results match, but the present invention is not limited to this. . For example, if the determination results match, it is determined that the transaction is a forgery card, and the transaction processing unit 43 can control the transaction screen to be displayed more times than the normal transaction.

  Specifically, the transaction processing unit 43 controls the image display unit 7 to display a transaction guide screen for the first number of images (for example, about two images) in a normal transaction. On the other hand, when the determination results match, the transaction processing unit 43 performs the transaction for a greater number of times than usual, that is, for a second number of images (for example, about four) greater than the first number of images. The image display unit 7 is controlled to display a guidance screen.

  That is, when the determination results match, the transaction processing unit 43 determines that the transaction is based on a counterfeit card, and the transaction processing unit 43 displays more transaction information screens, resulting in a transaction more than a normal transaction. You can extend the time.

  If it is determined that there is a high possibility that the determination result is the same and an illegal transaction is being performed, the person who performs the illegal transaction can be kept on the spot, and an image captured by the imaging unit 2 during that time. Or increase the chances that a bank employee or security guard directly confirms an unauthorized person. Therefore, it is possible to increase the opportunity to specify a person who conducts an illegal transaction by using a counterfeit card, and it is possible to identify a person who performs an illegal transaction.

  In the above-described embodiment, the imaging control unit 42 captures a still image with the imaging unit 2, but this is not restrictive. For example, the imaging control unit 42 may control to capture a moving image.

  Further, in the above-described embodiment, the imaging control unit 42 performs control to increase the number of imaging times compared to the normal transaction when the determination results match, but the present invention is not limited to this. For example, the imaging control unit 42 captures images at a predetermined frequency from the beginning of the transaction and temporarily stores them in a predetermined area of the storage unit 21. When the determination results match, control is performed to store a large number of the captured images that are temporarily stored. On the other hand, when the determination results do not match, the stored images are temporarily stored. Control may be performed so that the captured images are thinned out and stored.

  Similarly, in the above-described embodiment, when the determination results match, the imaging control unit 42 performs control to capture an image with a higher resolution than that in a normal transaction, but the present invention is not limited to this. For example, the imaging control unit 42 captures images with high resolution from the beginning of the transaction and temporarily stores them in a predetermined area of the storage unit 21. Then, when the determination results match, control is performed to store the captured image that has been temporarily stored at a high resolution, whereas when the determination results do not match, the captured image is temporarily stored. It may be controlled to thin out the resolution of the captured image and store it at a low resolution.

  Moreover, in the above-mentioned embodiment, the ticket image data of the forged card suspected of being counterfeited is stored in the storage unit 21 of the automatic transaction apparatus 1, but is not limited thereto. For example, it may be stored in the storage unit in the host 12. In this case, the determination unit 41 matches the ticket image of the cash card read by the card reading unit 24 with any one of the ticket images of the ticket image data stored in the storage unit of the host 12. It is determined whether or not.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Image pick-up part 3 Passbook taking-in opening 4 Card taking-in opening 5 Banknote taking-in opening 6 Coin taking-in opening 7 Image display part 10 Authentication processing system 12 Host 13 Local camera 14 Monitoring apparatus 20 Control part 21 Storage part 22 Display unit 23 Input unit 24 Card reading unit 25 Passbook processing unit 26 Bill processing unit 27 Coin processing unit 28 Transmission / reception unit 41 Determination unit 42 Imaging control unit 43 Transaction processing unit 44 Notification unit 51 Counterfeit card data storage unit 61 Cash card 61a Cash card 61b Counterfeit card 62a Bank name 62b Branch number 62c Account number 62d Account name 62e Picture NW network

Claims (12)

A transaction processing unit for performing transactions based on a transaction card;
A determination unit that determines whether or not the counterfeit card face image data suspected of being counterfeit and the face card image data of the transaction card used in the transaction match;
When the determination results by the determination unit match, an imaging control unit that controls the imaging unit so that the amount of information of the captured image for the transaction card transaction is greater than in the case of normal transaction,
An automatic transaction apparatus comprising: 2. The automatic transaction apparatus according to claim 1, wherein, when the determination results coincide with each other, the imaging control unit increases the number of times of imaging by the imaging unit as compared with a case of normal transaction. 2. The automatic transaction apparatus according to claim 1, wherein when the determination results match, the imaging control unit controls the imaging unit to capture an image with a higher resolution than in a normal transaction. In the case where the determination results match, the imaging control unit controls the imaging to be performed by a local camera installed in the campus where the automatic transaction apparatus is installed in addition to the imaging by the imaging unit. The automatic transaction apparatus according to claim 1. The automatic transaction according to any one of claims 1 to 3, wherein when the determination results match, the transaction processing unit extends the transaction time as compared with a normal transaction. apparatus. 4. The method according to claim 1, wherein when the determination results match, the transaction processing unit increases the number of times the transaction screen is displayed as compared with a normal transaction. Automatic transaction equipment. The automatic transaction according to any one of claims 1 to 6, further comprising a notification unit that notifies the monitoring device, wherein the notification unit notifies the monitoring device when the determination results match. apparatus. The automatic transaction apparatus according to any one of claims 1 to 7, further comprising a storage unit that stores image data of the counterfeit card. With the host,
An automatic transaction apparatus for sending and receiving messages to and from the host;
An automatic transaction system comprising:
The automatic transaction apparatus is
A transaction processing unit for performing transactions based on a transaction card;
A determination unit that determines whether or not the counterfeit card face image data suspected of being counterfeit and the face card image data of the transaction card used in the transaction match;
When the determination results by the determination unit match, an imaging control unit that controls the imaging unit so that the amount of information of the captured image for the transaction card transaction is greater than in the case of normal transaction,
An automatic transaction system characterized by comprising: Further comprising a campus camera installed on the campus where the automatic transaction apparatus is installed,
10. The control according to claim 9, wherein when the determination results match, control is performed to capture an image with a local camera installed in the campus where the automatic transaction apparatus is installed, in addition to imaging with the camera. Automated trading system. Conduct transactions based on transaction cards,
Determine whether the counterfeit card face image data suspected of being counterfeit and the face card image data of the transaction card used in the transaction match,
An automatic transaction method comprising: controlling an imaging unit so that an amount of information of a photographed image with respect to a trader of the transaction card is larger than that in a normal transaction when results of the determination match. An automatic transaction program for causing an automatic transaction apparatus to execute,
Transaction processing for transactions based on transaction cards;
A determination process for determining whether or not the counterfeit card face image data suspected of being counterfeit and the face card image data of the transaction card used for the transaction,
If the results of the determination process match, an imaging control process for controlling the imaging unit so that the amount of information of the captured image for the transaction card transaction is greater than in the case of a normal transaction;
An automatic transaction program comprising:

Images