JP5010305B2 - Unauthorized transaction prevention system with counterfeit card, facility terminal monitoring server, ATM monitoring server, ATM monitoring method, program - Google Patents

Description

  The present invention relates to a fraudulent transaction prevention system, a facility terminal monitoring server, an ATM monitoring server, an ATM monitoring method, and a program, and more particularly, a fraud with a forged card created based on card information stolen by skimming or the like. The present invention relates to a transaction prevention system, a facility terminal monitoring server, an ATM monitoring server, an ATM monitoring method, and a program.

  Japanese Patent Application Laid-Open No. 61-20192 discloses a conventional method for preventing fraudulent transactions using a lost card.

  This conventional method of preventing fraudulent transactions with a lost card is such that if the cash card is lost, the person who lost the cash card can stop the transaction of the bank account, etc., even outside the bank office hours. It is a thing. More specifically, in the center that manages ATM terminals such as banks, an account lock flag for stopping transactions is provided for each account, and the person who lost the cash card on the screen of the ATM terminal sets the account lock flag. This prevents unauthorized transactions with lost cards.

JP-A-61-20192

  However, in the above-described prior art method for preventing illegal transactions by a lost card, the setting of the account lock flag is permitted when the password of the card input from the ATM terminal screen matches the password registered in advance. Therefore, a criminal who stole card information such as a PIN by skimming etc. resets the account lock flag using the stolen PIN and sets it to a state where cash can be withdrawn from the account, There is a problem that cash can be withdrawn from an account by a forged card created based on the stolen card information.

  It is an object of the present invention to illegally withdraw cash from an account using a counterfeit card created based on a PIN number stolen by a skimmed criminal even when card information such as a PIN number is stolen by skimming or the like. An object of the present invention is to provide a fraudulent transaction prevention system, facility terminal monitoring server, ATM monitoring server, ATM monitoring method, and program.

A system for preventing fraudulent transactions using a first counterfeit card according to the present invention includes a user terminal, an ATM terminal that processes account transactions using a personal identification number recorded on the card, and a counterfeit card in the ATM terminal. An anti-fraud transaction prevention system using a counterfeit card comprising an ATM monitoring server having a function of monitoring fraudulent transactions using
The user terminal includes a counterfeit card unauthorized use prohibition unlocking login password application processing unit that performs an application process of an unlocking login password different from the password,
The ATM monitoring server includes a counterfeit card unauthorized use prohibition lock / lock flag indicating the lock / unlock status of the counterfeit card unauthorized use prohibition lock for prohibiting unauthorized use of an account with a counterfeit card, the unlock login password, and the password. The account information database storing the number, and the unlock login password received from the user terminal does not match the password read from the account information database, and matches the unlock login password read from the account information database Log-in permission to unlock the counterfeit card forbidden use and unlock login password permission processing unit that refuses to log in in other cases, and the counterfeit card fraudulent use prohibition lock locking flag when login is permitted. A counterfeit card unauthorized use prohibition lock opening and closing processing unit for setting And features.

  The system for preventing fraudulent transactions using the second counterfeit card according to the present invention is the system for preventing fraudulent transactions using the first counterfeit card. When the counterfeit card fraudulent use prohibition lock locking flag is in the locked state, When the transaction is performed, a forged card fraudulent use occurrence determination processing unit that determines that fraudulent use by a forged card has occurred is provided.

  The system for preventing fraudulent transactions using the third counterfeit card according to the present invention is the system for preventing fraudulent transactions using the second counterfeit card. Unauthorized withdrawal interruption camera shooting command processing unit for commanding interruption of unauthorized use to ATM terminal and photographing with camera installed in said ATM terminal, and whether to report the occurrence of unauthorized use to related organizations And an ATM unauthorized use occurrence report execution confirmation processing unit for confirming the user terminal.

  The first ATM monitoring server of the present invention includes a counterfeit card unauthorized use prohibition lock / unlock flag and an unlock login indicating a lock / unlock state of a counterfeit card unauthorized use prohibition lock for prohibiting unauthorized use of an account with a forged card. An account information database for storing a password and a personal identification number; and an unlocking login password read from the account information database in which the unlocking login password received from the user terminal does not match the personal identification number read from the account information database; Login is permitted if it matches, and forged card unauthorized use prohibition unlocking login password permission processing unit that refuses login in other cases, and the forged card unauthorized use prohibition lock locking flag when login is permitted A counterfeit card unauthorized use prohibition lock opening and closing processing unit for setting To.

  The second ATM monitoring server according to the present invention provides a counterfeit function when an account transaction is performed at an ATM terminal when the counterfeit card unauthorized use prohibition lock locking flag is locked in the first ATM monitoring server. It has a forgery card unauthorized use occurrence determination processing unit for determining that unauthorized use by a card has occurred.

  The third ATM monitoring server of the present invention, when the unauthorized use is determined by the counterfeit card unauthorized use occurrence determination processing unit in the second ATM monitoring server, the unauthorized use interruption to the ATM terminal, An unauthorized withdrawal interruption camera photographing instruction processing unit for instructing photographing with a camera equipped in an ATM terminal, and an ATM for confirming to the user terminal whether or not to report the occurrence of unauthorized use to a related organization. And an unauthorized use occurrence notification implementation confirmation processing unit.

  According to a fourth ATM monitoring server of the present invention, in the first to third ATM monitoring servers, the counterfeit card unauthorized use prohibition lock opening / closing processing unit permits login with an unlock login password input from the user terminal. Only when the counterfeit card unauthorized use prohibition lock locking flag is unlocked, and when the account transaction at the ATM terminal is completed, the counterfeit card unauthorized use prohibition lock locking flag is automatically locked. It has the function to perform.

  The fifth ATM monitoring server of the present invention is configured such that, in the second to fourth ATM monitoring servers, the forged card is stored in the ATM terminal when the forged card unauthorized use determination processing unit determines that the forged card is used illegally. And a counterfeit card capture command processing unit for instructing the ATM terminal to trap and capture.

  The first ATM monitoring method of the present invention includes a counterfeit card unauthorized use prohibition lock / unlock flag and an unlock login indicating a lock / unlock state of a counterfeit card unauthorized use prohibition lock for prohibiting unauthorized use of an account with a forged card. A step of storing a password and a personal identification number in an account information database; and an unlocking login that is read from the account information database when the unlock login password received from the user terminal does not match the personal identification number read from the account information database. Unauthorized counterfeit card unauthorized use lock unlocking step that permits login when the password matches, and denies login otherwise, and when the login is permitted, the forged card unauthorized use prohibition lock The counterfeit card unauthorized use prohibition lock opening / closing process step for setting the lock flag And wherein the Mukoto.

  The second ATM monitoring method of the present invention is the same as the first ATM monitoring method, wherein when an account transaction is performed at an ATM terminal when the counterfeit card unauthorized use prohibition lock lock flag is in a locked state, the counterfeit card is forged. It includes a forgery card unauthorized use occurrence determination process step for determining that unauthorized use by a card has occurred.

  The third ATM monitoring method of the present invention is the second ATM monitoring method, wherein in the second ATM monitoring method, when the unauthorized use is determined by the forged card unauthorized use occurrence determination processing step, An ATM for confirming the user terminal as to whether or not to report the occurrence of unauthorized use to the relevant organization, and an unauthorized withdrawal interruption camera shooting command processing step for instructing photographing with a camera installed in the ATM terminal. It includes an unauthorized use occurrence report execution confirmation processing step.

  According to a fourth ATM monitoring method of the present invention, in the first to third ATM monitoring methods, the forgery card unauthorized use prohibition lock opening / closing processing step permits login with an unlock login password input from the user terminal. Only when the counterfeit card unauthorized use prohibition lock locking flag is unlocked, and when the account transaction at the ATM terminal is completed, the counterfeit card unauthorized use prohibition lock locking flag is automatically locked. It has the function to perform.

  According to a fifth ATM monitoring method of the present invention, in the second to fourth ATM monitoring methods, the forged card is stored in the ATM terminal when the forged card is determined to be used illegally by the forged card unauthorized use occurrence determination processing step. And a counterfeit card capture command processing step for instructing the ATM terminal to trap and capture.

  The first program of the present invention includes a counterfeit card unauthorized use prohibition lock lock flag and an unlock login password indicating a lock / unlock status of a counterfeit card unauthorized use prohibition lock for prohibiting unauthorized use of an account with a forged card. A process for storing the personal identification number in the account information database, and the unlock login password received from the user terminal does not match the personal identification number read from the account information database, and the unlock login password read from the account information database; If the password matches, the login password is allowed to be logged in. Otherwise, the login password is permitted to be unlocked. When the login is permitted, the counterfeit card unauthorized use prohibition lock / unlock flag is set. Allow the computer to perform the forgery card unauthorized use prohibition lock opening / closing process The features.

  In the first program of the present invention, in the first program, when an account transaction is performed at an ATM terminal when the forged card unauthorized use prohibition lock locking flag is in a locked state, the unauthorized use by a forged card is performed. Including forgery card fraudulent use occurrence determination processing for determining that the card has occurred.

  The third program of the present invention is provided in the ATM terminal when the illegal use is determined by the counterfeit card unauthorized use occurrence determination process in the second program, and the ATM terminal is interrupted by unauthorized use. Unauthorized withdrawal interruption camera shooting command processing to command the camera to be used, and whether to notify the relevant organization of whether or not the unauthorized use has occurred is confirmed to the user terminal. Including processing.

  According to a fourth program of the present invention, in the first to third programs, the forged card unauthorized use prohibition lock opening / closing process is performed only when login is permitted with an unlock login password input from the user terminal. The function of unlocking the counterfeit card unauthorized use prohibition lock locking flag and automatically locking the counterfeit card unauthorized use prohibition lock locking flag when the account transaction at the ATM terminal is completed. It is characterized by.

  The fifth program of the present invention traps and captures the forged card in the ATM terminal when unauthorized use is determined by the forged card unauthorized use occurrence determination process in the second to fourth programs. As described above, it includes a counterfeit card capture command process for commanding the ATM terminal.

  The first facility terminal monitoring server of the present invention provides a counterfeit card unauthorized use prohibition lock lock flag and an unlock login password indicating a lock / unlock state of a counterfeit card unauthorized use prohibition lock for prohibiting unauthorized use by a forged card. And the card number database that stores the password and the unlock login password received from the user terminal do not match the password read from the card number database and match the unlock login password read from the card number database Log-in permission to unlock the counterfeit card forbidden use and unlock login password permission processing unit that refuses to log in in other cases, and the counterfeit card fraudulent use prohibition lock locking flag when login is permitted. And a counterfeit card unauthorized use prohibition lock opening / closing processing unit for setting. To.

  The second facility terminal monitoring server according to the present invention is configured such that, in the first facility terminal monitoring server, when the card transaction is performed at the facility terminal when the forged card unauthorized use prohibition lock locking flag is in the locked state. And a counterfeit card fraud utilization occurrence determination processing unit for judging that fraudulent use by a forged card has occurred.

  According to a third facility terminal monitoring server of the present invention, in the first or second facility terminal monitoring server, the card is any one of a credit card, a prepaid card using an IC card, and a commuter pass for transportation. Features.

  Even if the card information such as a personal identification number is stolen by skimming or the like, it is possible to illegally withdraw cash from an account using a counterfeit card created based on the personal identification number stolen by a skimmed criminal. There is an effect that can be prevented.

  The reason is that a counterfeit card use prohibited lock lock flag that prohibits the use of counterfeit cards is set in the ATM monitoring server, and the counterfeit card is used only when the cardholder logs in to the ATM monitoring server with the unlock login password. Since the lock flag of the prohibited use lock can be locked or unlocked, if the lock flag is locked, even if the card information such as the password is stolen by skimming etc., the lock flag is unlocked with the card information This is because even if a counterfeit card is created based on stolen card information, cash cannot be withdrawn from the account with the counterfeit card.

  Next, the best mode for carrying out the present invention will be described in detail with reference to the drawings.

  First, crimes caused by cash card skimming in recent years will be described.

  When an account is opened at a bank or the like, a new magnetic cash card (magnetic card) is received. A crime called “skimming” has occurred in this magnetic card.

  Skimming is not only used to steal PIN numbers when operating ATMs, etc. For example, card information such as passwords can be obtained simply by tracing a magnetic card in a bag from the back using a special machine. It is a mechanism that reads and forges a card based on this card information, and cash is withdrawn from the account without notice.

  Under such circumstances, a fraudulent transaction prevention system using a counterfeit card according to the first embodiment for carrying out the present invention will be described below.

  Referring to FIG. 1, the fraudulent transaction prevention system using a counterfeit card according to the first embodiment of the present invention opens an account of an organization in charge of deposit business such as a bank or an agricultural cooperative (hereinafter referred to as a bank). For example, a user terminal 100 such as a personal computer or a mobile phone used by a card user, a camera 800 that takes a picture of an illegal cash withdrawal operation with a counterfeit card, and an automatic cash deposit payment equipped with the camera 800 The ATM terminal 300, the ATM monitoring server 200 for monitoring an unauthorized withdrawal operation with a counterfeit card by a suspicious person in the ATM terminal 300, and the function of transmitting account opening information for opening a new account to the ATM monitoring server 200 The bank terminal 400 having an ATM and the counterfeit card when an illegal ATM operation occurs, this notification is received, and the ATM terminal 300 The ATM management bank terminal 500 to be managed, the police terminal 600 that is used to receive this notification and prevent crimes by the counterfeit card when an ATM illegal operation by the counterfeit card occurs, and these terminals are connected to each other And the Internet 700 for doing so.

  The bank terminal 400 operates under program control, and is a terminal installed in the bank for inputting an account number, an account store number, and a password, which are necessary account opening information when opening a new account in the bank. is there.

  This account opening information is transmitted to the ATM monitoring server 200.

  Referring to FIG. 2, a configuration diagram of the user terminal 100 is shown.

  The user terminal 100 operates under program control, and receives an account opening member information receiving unit 102 that receives information obtained by adding a member number automatically assigned to the received account opening information from the ATM monitoring server 200, and the ATM monitoring server 200. The login from the forged card unauthorized use prohibited lock / unlock login password application processing unit 103 that processes the application by the user of the unlock login password different from the password for logging in to the user terminal 100 is monitored by ATM. After being permitted by the server 200, the lock of the key for prohibiting unauthorized use of the forged card or the forged card unauthorized use prohibited lock opening / closing instruction input processing unit 104 for instructing the unlocking and the forged card unauthorized use prohibited lock are locked. In the case where a suspicious person tries to perform a withdrawal action in spite of being in a state of being in an unauthorized state, “A” is notified. On the display screen of the user terminal 100, an ATM unauthorized drawer occurrence notification reception processing unit 106 that receives the “M withdrawal occurrence notification” from the ATM monitoring server 200 and an image obtained by photographing the unauthorized withdrawal operation status in the ATM with a camera are displayed. The ATM unauthorized drawer image display unit 107 and the ATM unauthorized drawer occurrence notification response processing unit 108 that answers an inquiry from the ATM monitoring server 200 as to whether or not to notify the police or the like of the unauthorized withdrawal are transmitted / received. The transmission / reception processing unit 105 includes a processor, a main storage device, a program, and the like, and includes a data processing unit 101 that controls the entire user terminal 100.

  Referring to FIG. 3, a block diagram of the ATM terminal 300 is shown.

  The ATM terminal 300 is a CD machine in which a user performs a withdrawal operation with a cash card, etc., and operates under program control. The ATM terminal 300 displays withdrawal account information when a cash card is inserted and cash is withdrawn from an account. The withdrawal from the ATM monitoring server 200 is interrupted when an attempt is made to carry out the withdrawal operation even though the withdrawal account information transmission processing unit 302 and the user terminal 100 are locked with the counterfeit card unauthorized use prohibition lock. In response to this instruction, the withdrawal by the suspicious person is interrupted and the unauthorized drawer interruption processing screen display processing unit 303 displays “processing in progress” on the screen, and at the same time, the withdrawal photograph for taking a photograph of the suspicious person The shooting processing unit 304 and the account number, the date and time of withdrawal, the photograph taken, etc. Upon receiving notification from the ATM monitoring server 200 that the withdrawal photo transmission processing unit 305 that transmits to the M monitoring server 200, the transmission / reception processing unit 306 that transmits and receives data, and the ATM monitoring server 200, the unauthorized withdrawal operation occurred. ATM unauthorized withdrawal occurrence notification response processing unit 307 that responds to an inquiry from the ATM monitoring server 200 as to whether or not to notify the bank or police of the fact, and when an unauthorized withdrawal action occurs, a counterfeit card is The forgery card capture processing unit 308 that traps the counterfeit card by confining it in the 300 and a data processing unit 301 that controls the entire ATM terminal 300 and includes a processor, a main storage device, a program, and the like.

  Referring to FIG. 4, a configuration diagram of the ATM monitoring server 200 is shown.

  The ATM monitoring server 200 operates under program control, receives an account opening information (account store number, account number, password, etc.) relating to a new user from the bank terminal 400, and a user terminal 100, the unlock login password PIN number non-identification verification processing unit 240 for verifying that the unlock login password received from 100 is not the same as the password, and the member No. 801 and the account store number 802 as shown in FIG. Account information DB 202 for storing account information of account number 803, personal identification number 840, unlock login password 804, counterfeit card unauthorized use prohibition lock lock flag 805 as a database, and ATM number 806 as shown in FIG. , Account store number 807, account number 808, photograph 809, withdrawal date and time 810 as a database ATM unauthorized record DB 203 to be stored, personal information DB 204 for storing member NO 811, name 812, address 813, date of birth 814, telephone number 815, mail address 816 as a database, as shown in FIG. Account information DB personal information DB storage processing unit 210 that stores information in information DB 202 and personal information DB 204, and ATM number 817, account store number 818, address 819, and ATM terminal 300 are managed as shown in FIG. An ATM information DB 205 for registering in advance as a database a management police number 820 indicating a police number to be managed, and a management bank store number 821 indicating a store number of a bank that manages the ATM terminal 300, as shown in FIG. Police number 822 indicating name of police managing 300, name 823, address 8 4. Police information DB 206 for registering e-mail address 825 in advance, bank store number 826 indicating bank store number, bank name 827, address 828, person in charge 829, telephone number 830, and e-mail as shown in FIG. The bank information data DB 207 for registering the address 831 in advance as a database, the unlock login password input from the user terminal 100, and the password 840 read from the account information DB 202 and the unlock login password 804 are collated. If the password does not match the password 840 and the unlock login password 804 is matched, the login is permitted. Otherwise, the counterfeit card unauthorized use prohibition lock / unlock login password permission processing unit is refused. 211 and an instruction from the user terminal 100 The counterfeit card unauthorized use prohibition lock opening / closing processing unit 212 for instructing the locking or unlocking of the counterfeit card unauthorized use prohibition lock / lock flag 805 in the seat information DB 202 and a suspicious person insert a cash card into the ATM terminal 300 and illegally retrieve it. The withdrawal account information reception processing unit 213 that receives withdrawal account information from the ATM terminal 300 when the act is performed, the withdrawal account information and the account information in the account information DB 202 match, and the counterfeit card unauthorized use prohibition lock locking When the flag 805 is locked and the counterfeit card unauthorized use determination processing unit 214 determines that the forgery card has been withdrawn, and the determination result indicates that the fraudulent withdrawal has been performed. Unauthorized withdrawal is instructing the ATM terminal 300 to interrupt the unauthorized withdrawal operation and shoot with the camera A camera photographing command processing unit 215, an ATM unauthorized recording DB storage processing unit 216 that receives a photograph of an unauthorized drawer photographed by the camera 800 of the ATM terminal 300 and stores it in the ATM unauthorized recording DB 203, In order to make the user terminal 100 determine whether or not to report to the police, whether or not to notify the bank or police of the occurrence of unauthorized withdrawal, the ATM unauthorized withdrawal occurrence notification execution confirmation processing unit 217 for confirming the inquiry to the user terminal 100 A response to the inquiry about whether or not is received from the user terminal 100, the ATM illegal withdrawal occurrence report response reception processing unit 218, and if this response is received and the response is “notification”, the data processing unit 208 8 from the ATM number 806 of the ATM unauthorized recording DB 203 shown in FIG. Both management bank branch number 821 and the management police number 820 of TM information DB205 are searched, the search administrative bank branch number 821 (e.g., the 0001G in FIG. ) From the e-mail address 831 (for example, MARUBATU@CO.JP in FIG. 10) in the bank information DB 207 shown in FIG. An ATM unauthorized operation occurrence notification (for bank) automatic creation processing unit 219 that automatically creates an ATM unauthorized operation occurrence notification (for bank) and a “management police number 820 (for example, simultaneously extracted by the data processing unit 208) , “KEI1 in FIG. 8”) is used as a key to search from the police information DB 206 and after the e-mail address 825 of the police terminal 600 (for example, D-KEI@CO.JP in FIG. 9) is extracted. , An ATM unauthorized operation occurrence notification (for police) automatic creation processing unit 220 that automatically creates an “ATM unauthorized operation occurrence notification (for police)”, When the withdrawal occurs, the counter includes a counterfeit card capture command processing unit 221 that instructs the ATM terminal 300 to trap the counterfeit card in the ATM terminal 300 and capture the counterfeit card, and a processor, a main storage device, a program, and the like. And a data processing unit 208 that controls the entire monitoring server.

  The police terminal 600 is a plurality of terminals that operate under program control and receive information from the ATM monitoring server 200 when a suspicious person performs unauthorized withdrawal.

  This terminal is used for the purpose of receiving “ATM unauthorized operation occurrence notification (for police)” from the ATM monitoring server 200 in response to a “notification” notification from the user terminal 100 when an unauthorized withdrawal is performed by a suspicious person. Is done.

  The ATM management bank terminal 500 is a terminal that operates under program control and receives information from the ATM monitoring server 200 when a suspicious person makes an unauthorized withdrawal.

  This terminal receives an “ATM unauthorized operation occurrence notification (for bank)” from the ATM monitoring server 200 in response to a “notification” from the user terminal 100 when an unauthorized withdrawal is performed by a suspicious person. Used for

  Referring to FIG. 5, a configuration example of the account information DB 202 is shown.

  Referring to FIG. 6, a configuration example of the ATM unauthorized recording DB 203 is shown.

  Referring to FIG. 7, a configuration example of the personal information DB 204 is shown.

  Referring to FIG. 8, a configuration example of the ATM information DB 205 is shown.

  Referring to FIG. 9, a configuration example of the police information DB 206 is shown.

  Referring to FIG. 10, a configuration example of the bank information DB 207 is shown.

  Referring to FIG. 11, a configuration example of the ATM unauthorized withdrawal occurrence notification execution confirmation is shown.

  Referring to FIG. 12, a configuration example of an ATM unauthorized operation occurrence notification (for bank) is shown.

  Referring to FIG. 13, there is shown a configuration example of an ATM unauthorized operation occurrence notification (for police).

  Next, the operation of the first exemplary embodiment of the present invention will be described with reference to the drawings.

  The operation of the first embodiment of the present invention will be described in detail with reference to the flowcharts of FIGS.

  When opening a new account, the bank terminal 400 transmits information (account store number, account number, password) entered by the user to the ATM monitoring server 200 as account opening information (step S400, step S401). ).

  The account opening information reception processing unit 209 of the ATM monitoring server 200 receives the account opening information from the bank terminal 400 and automatically assigns “member number (for example, 001K shown in FIG. 5)”. (Step S201).

  On the other hand, after a new account is opened, a cash card is created by the user terminal 100 (step S100, step S101).

  In addition, after the cash card is created, the password for logging in to the ATM monitoring server 200 is used by the user with an unlock login password that is different from the cash card PIN set for each user account. Processing is performed by the counterfeit card unauthorized use prohibition unlocking login password application processing unit 103 of the user terminal 100 (step S102).

  Thereafter, the personal identification number non-identification verification processing unit 240 of the ATM monitoring server 200 verifies that the unlock login password received from the user terminal 100 is not identical to the personal identification number (step S202).

  Further, the account information DB personal information DB storage processing unit 210 of the ATM monitoring server 200 includes the personal information of the name, address, date of birth, telephone number, and mail address shown in FIG. Is stored in the personal information DB 204 together with the member number, and the member number, the account store number, the account number, the account opening information of the personal identification number, and the unlock login password are stored in the account information DB 202 (step S203).

  Further, the data processing unit 208 notifies “Member No. (001K)” to the mail address of the user terminal 100 (for example, YUMA@CO.JP shown in FIG. 7) (step S204).

  When the user terminal 100 withdraws cash with the cash card, the user terminal 100 logs in to the ATM monitoring server 200 with the unlock login password applied in advance and performs the unlocking or locking operation (steps S103 and S104). .

  The counterfeit card unauthorized use prohibition unlocking login password permission processing unit 211 of the ATM monitoring server 200 includes the unlocking login password input from the user terminal 100, the personal identification number 840 read from the account information DB 202, and the unlocking login password. A verification process is performed with each of the passwords 804, and when the password does not match the password 840 and when the password matches the unlock login password 804, the login is permitted, and otherwise, the login is rejected. (Step S206, Step S207).

  In the user terminal 100, after login, “Lock forgery card unauthorized use prohibition lock, Unlock forgery card unauthorized use prohibition lock” is selected on the screen or WEB screen, and the screen processing ends. (Step S105).

  Next, the counterfeit card unauthorized use prohibition lock opening / closing processing unit 212 of the ATM monitoring server 200 receives the information “locked counterfeit card unauthorized use prohibition lock, unlocking counterfeit card unauthorized use prohibition lock” selected by the user terminal 100. The forgery card unauthorized use prohibition lock lock flag 805 of the account information DB 202 is stored and updated (step S208).

  Here, the following operation will be described assuming that the user's cash card is skimmed by a suspicious person or stolen.

  The suspicious person uses a copy of the user's cash card or the actual thing stolen, goes to the ATM terminal 300 (hereinafter, for example, ATM number: 001A shown in FIG. 8), and performs a withdrawal action. This is performed (step S301).

  When performing the withdrawal action, the withdrawal account information transmission processing unit 302 of the ATM terminal 300 (ATM number: 001A) immediately uses the account information and the like used for withdrawal (hereinafter, for example, shown in FIG. ATM number 001A, account store number: 123, account number: 4554542, password number: XYZ) are automatically transmitted to the ATM monitoring server 200 (step S302).

  The withdrawal account information reception processing unit 213 of the ATM monitoring server 200 receives the account information (step S209).

  The counterfeit card unauthorized use occurrence determination processing unit 214 of the ATM monitoring server 200 uses the account information received from the user terminal 100 when the counterfeit card unauthorized use prohibition lock lock flag 805 of the account information DB 202 is “locked”. Compared with "account store number: 123", "account number: 4554542", and "password number: XYZ" read from the information DB 202 (step S210, step S211), if they match, an illegal withdrawal operation with a forged card occurs. If it has been determined, step S213 is performed.

  The unauthorized withdrawal interruption camera shooting command processing unit 215 of the ATM monitoring server 200 transmits an “illegal withdrawal” signal to the ATM terminal 300 (ATM number: 001A) when an unauthorized withdrawal action using a counterfeit card occurs. At the same time, the ATM terminal 300 is instructed to take a picture with the camera installed in the ATM terminal 300 (ATM number: 001A) (step S214).

  Upon receiving the “illegal withdrawal” signal from the ATM monitoring server 200, the screen display processing unit 303 of the unauthorized withdrawal interruption process of the ATM terminal 300 immediately suspends the withdrawal action and displays “Processing” on the screen of the ATM terminal 300. “Middle” is displayed, and a face photo of the suspicious person is taken (steps S303 and S304).

  In addition, the data processing unit 301 of the ATM terminal 300 (ATM number: 001A) simultaneously displays the ATM number (001A), the account store number (123) where the withdrawal was performed, the account number (4555422), the photograph taken, and the withdrawal date and time. It transmits to the ATM monitoring server 200 (step S305).

  The data processing unit 208 of the ATM monitoring server 200 receives account information and a photograph taken at the time of unauthorized withdrawal from the ATM terminal 300 and stores them in the ATM unauthorized recording DB 203 (steps S215 and S216).

  The data processing unit 208 of the ATM monitoring server 200 reads the personal information DB 204 and the ATM information DB 205 (steps S217 and S218), and automatically creates an “ATM unauthorized withdrawal occurrence notification” based on these information (step S217). S219).

  The ATM unauthorized withdrawal occurrence notification execution confirmation processing unit 217 of the ATM monitoring server 200 performs an inquiry confirmation on the user terminal 100 to select whether to report to the bank or the police or not to notify the user terminal 100. “Notification of occurrence” is transmitted to the mail address (YUMA@CO.JP) of the user terminal 100 or notified that it has been posted on the WEB (step S220).

  The ATM unauthorized withdrawal occurrence notification reply processing unit 108 of the user terminal 100 receives the “ATM unauthorized withdrawal occurrence notification” (step S106), sees the photograph taken, etc., and whether or not to notify the bank or the police. Is selected and transmitted to the ATM monitoring server 200, or a reply is made by WEB. (Step S107).

  The ATM unauthorized withdrawal occurrence response reception processing unit 218 of the ATM monitoring server 200 receives the response to the inquiry from the user terminal 100 (step 221).

  After receiving the answer from the user terminal 100, the ATM monitoring server 200 performs the following processing.

  First, an operation when an answer for notifying the police or the like is received from the user terminal 100 will be described.

  The data processing device 208 of the ATM monitoring server 200 receives the answer from the user terminal 100 and recognizes that the answer is to notify the police or the like (step S222).

  The data processing unit 208 compares “ATM number: 001A” in the stored ATM unauthorized record DB 203 with “ATM number: 001A” in the ATM information DB 205 (step S223), and the ATM number 001A illustrated in FIG. “Management bank store number (001G)” and “Management police number (KEI1)” are extracted. (Step S224).

  Further, the data processing unit 208 searches for the “bank store number (001G)” in the bank information DB 207 illustrated in FIG. 10 by using the extracted “managed bank store number (001G)” as a key, and the ATM management bank terminal Search for “e-mail address (MARUBATSU@CO.JP)” of 500 (○ × bank) (step S225).

  Next, the ATM illegal operation occurrence notification (for bank) automatic creation processing unit 219 of the ATM monitoring server 200 reads “ATM illegal withdrawal occurrence notification” (step S226), and based on this, “ATM illegal operation occurrence notification ( "For bank" "is automatically created (step S227) and transmitted to the ATM management bank terminal 500 (○ × bank) or posted on the WEB (step S228).

  At the same time, the data processing unit 208 searches the police information DB 206 using the extracted “management police number (KEI1)” as a key, and extracts the police terminal 600 (D police) illustrated in FIG. 9 ( In step S229, the e-mail address (D-KEI@CO.JP) of the police terminal 600 is searched (step S230).

  The ATM unauthorized operation occurrence notification (for police) automatic creation processing unit 220 of the ATM monitoring server 200 reads “ATM unauthorized withdrawal occurrence notification” (step S231), and based on this, “ATM unauthorized operation occurrence notification (for police) ) "Is automatically created (step S232).

  The data processing unit 208 transmits the information to the e-mail address (D-KEI@CO.JP) of the police terminal 600 (D police) illustrated in FIG. 9, or posts it on the WEB (step S233).

  Upon receiving the “ATM unauthorized operation occurrence notification (for bank)” (step S501), the ATM management bank terminal 500 (XX bank) knows that an unauthorized withdrawal has occurred in the account of the user terminal 100. At the same time, the suspicious person can be confirmed with the photograph.

  At the same time, if there is a timing for rushing to the ATM terminal 300 (◯ × ATM), a suspicious person can be found.

  Similarly, after the police terminal 600 (D police) also receives the “ATM unauthorized operation occurrence notification (for police)” (step S601), the photograph of the suspicious person is posted on ATM terminals nationwide. It can also prevent crime.

  In addition, the police terminal 600 (D police) can call the criminals in the criminal list to alert the surroundings and contribute to crime prevention.

  Next, an operation when an answer not to report to the police or the like is received from the user terminal 100 will be described.

  Even if the “ATM unauthorized withdrawal occurrence notification” is viewed on the screen of the user terminal 100 or on the WEB by the user and the “ATM unauthorized withdrawal occurrence notification” is received, this withdrawal action is within the allowable range of the user himself / herself. , For example, when the family pulls out from the ATM terminal 300 instead of himself / herself, the user himself / herself has set the “no withdrawal” setting. Notification.

  The reply to the ATM monitoring server 200 is not reported to the police and the like, and is sent to the ATM monitoring server 200 or posted on the WEB.

  The data processing unit 208 of the ATM monitoring server 200 receives the answer from the user terminal 100, recognizes that it will not report, and ends the process.

  As described above, according to the first embodiment of the present invention, even when a card is forged by skimming, it is possible to prevent fraudulent transactions such as fraudulent withdrawal from an account with a forged card and to forge a forged card. The person can be detected and the counterfeit card can be captured.

  In addition, there are the following effects.

  1) Although it is impossible to prevent card skimming, it is impossible to withdraw cash even if the card is forged or stolen.

  2) Switching to an IC card is unnecessary, and high-quality security can be provided at a low cost and at a low charge.

  3) Notifying the police of illegal withdrawal information prevents crime and reduces the number of criminals.

  4) Since the card user himself / herself sets security, he / she can carry the card without worrying about skimming.

  5) Since it can be set easily with a mobile phone, security can be strengthened easily.

  Next, another embodiment of the present invention will be described.

  In the first embodiment of the present invention, a cash card is described as an example of a card. However, in another embodiment of the present invention, a prepay card using a credit card or an IC card other than the cash card is described. It is assumed that the commuter pass for transportation, and other cards whose individual identification number is registered on the card itself are illegally used.

  However, when these cards are used, there are various usage forms other than ATM terminals such as ticket gates of transportation facilities, and there are cases where a camera can be installed or not.

  If the camera can be installed, the user's cash card in the first embodiment of the present invention is replaced with these cards, the account information DB is replaced with the card number DB, and the ATM management bank terminal is in charge If it is replaced with a terminal, the same processing as in the first embodiment of the present invention can be performed.

  This is useful for crime prevention in various wide fields.

  In places where cameras cannot be installed, photographs cannot be taken, but the ATM management bank terminal is replaced with a facility terminal that has jurisdiction, and “ATM unauthorized withdrawal occurrence notification”, “ATM unauthorized operation occurrence notification (for bank)”, “ By sending and notifying “ATM unauthorized operation occurrence notification (for police)” without a photo, processing similar to that of the first embodiment of the present invention can be performed even in a place where a camera cannot be installed.

It is a figure which shows the structure of the prevention system of the unauthorized transaction by the forged card | curd which is the 1st Embodiment of this invention. It is a figure which shows the structure of the user terminal 100 in the 1st Embodiment of this invention. It is a figure which shows the structure of the ATM terminal 300 in the 1st Embodiment of this invention. It is a figure which shows the structure of the ATM monitoring server 200 in the 1st Embodiment of this invention. It is a figure which shows the structure of account information DB202 in the 1st Embodiment of this invention. It is a figure which shows the structure of ATM unauthorized recording DB203 in the 1st Embodiment of this invention. It is a figure which shows the structure of personal information DB204 in the 1st Embodiment of this invention. It is a figure which shows the structure of ATM information DB205 in the 1st Embodiment of this invention. It is a figure which shows the structure of police information DB206 in the 1st Embodiment of this invention. It is a figure which shows the structure of bank information DB207 in the 1st Embodiment of this invention. It is a figure which shows the ATM unauthorized drawer generation notification implementation confirmation in the 1st Embodiment of this invention. It is a figure which shows the ATM unauthorized operation generation | occurrence | production notification (for banks) in the 1st Embodiment of this invention. It is a figure which shows the ATM unauthorized operation generation | occurrence | production notification (for police) in the 1st Embodiment of this invention. It is a flowchart (1/3) of the prevention system of the unauthorized transaction by the forged card | curd which is the 1st Embodiment of this invention. It is a flowchart (2/3) of the prevention system of the illegal transaction by the forged card which is the 1st Embodiment of this invention. It is a flowchart (3/3) of the prevention system of the unauthorized transaction by the forged card which is the 1st Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 User terminal 101 Data processing part 102 Account opening member information receiving part 103 Counterfeit card unauthorized use prohibition lock unlock login password application processing part 104 Counterfeit card unauthorized use prohibition lock opening / closing instruction input processing part 105 Transmission / reception processing part 106 ATM illegal withdrawal occurrence Notification reception processing unit 107 ATM unauthorized drawer image display unit 108 ATM unauthorized drawer occurrence notification reply processing unit 200 ATM monitoring server 202 Account information DB
203 ATM unauthorized record DB
204 Personal Information DB
205 ATM information DB
206 Police Information DB
207 Bank Information DB
208 Data processing section 210 Account information DB personal information DB storage processing section 211 Counterfeit card unauthorized use prohibition lock unlock login password permission processing section 212 Counterfeit card unauthorized use prohibition lock opening / closing processing section 213 Withdrawal account information reception processing section 214 Counterfeit card unauthorized use Occurrence Judgment Processing Unit 215 Unauthorized Drawer Interrupted Camera Shooting Command Processing Unit 216 ATM Unauthorized Record DB Storage Processing Unit 217 ATM Unauthorized Drawer Occurrence Report Execution Confirmation Processing Unit 218 ATM Unauthorized Drawer Occurrence Report Response Reception Processing Unit 219 ATM Unauthorized Operation Occurrence Notification (for Bank ) Automatic creation processing unit 220 ATM unauthorized operation occurrence notification (for police) automatic creation processing unit 221 Counterfeit card capture command processing unit 240 Unlocked login password PIN number non-identification verification processing unit 300 ATM terminal 301 Data processing unit 302 Send account information Processing unit 303 Screen display processing unit during illegal withdrawal interruption processing 304 Drawing photo photographing processing unit 305 Extraction photo transmission processing unit 306 Transmission / reception processing unit 307 ATM unauthorized withdrawal occurrence notification response processing unit 308 Counterfeit card capture processing unit 400 Bank terminal 500 ATM management bank Terminal 600 Police terminal 700 Internet 800 Camera 801 Member No.
802 Account store number 803 Account number 804 Unlocked login password 805 Counterfeit card unauthorized use prohibited lock lock flag 806 ATM number 807 Account store number 808 Account number 809 Photographed photo 810 Date of withdrawal 811 Member number
812 Name 813 Address 814 Date of birth 815 Phone number 816 E-mail address 817 ATM number 818 Account store number 819 Address 820 Administrative police number 821 Administrative bank store number 822 Police number 823 Name 824 Address 825 E-mail address 826 Bank store number 828 Bank name 828 830 Phone number 831 E-mail address 840 PIN

Claims (16)

ATM that processes account transactions using the user terminal and the PIN number recorded on the card
A counterfeit card prevention system comprising a terminal and an ATM monitoring server having a function of monitoring fraudulent transactions using a counterfeit card in the ATM terminal,
The user terminal includes a counterfeit card unauthorized use prohibition unlocking login password application processing unit that performs an application process of an unlocking login password different from the password,
The ATM monitoring server includes an account information database for storing a counterfeit card unauthorized use prohibition lock / lock flag indicating a lock / unlock state of a counterfeit card unauthorized use prohibition lock, the unlock login password, and the password. When the unlock login password received from the user terminal does not match the password read from the account information database and matches the unlock login password read from the account information database, login is permitted. In this case, the counterfeit card unauthorized use prohibition lock unlock login password permission processing unit that refuses login, and when the login is permitted, the counterfeit card unauthorized use prohibition lock lock flag is set. A processing unit, and
The ATM monitoring server, when the counterfeit card unauthorized use prohibition lock locking flag is in a locked state and the password entered from the user terminal is equal to the password stored in the account information database, When an account transaction is made at an ATM terminal,
A counterfeit card fraudulent use occurrence determination processing unit that determines that fraudulent use by a forged card has occurred;
System for preventing fraudulent transactions using counterfeit cards.   The ATM monitoring server, when unauthorized use is determined by the counterfeit card unauthorized use occurrence determination processing unit, interruption of unauthorized use in the ATM terminal, shooting with a camera equipped in the ATM terminal, An unauthorized withdrawal interruption camera shooting instruction processing unit, and an ATM unauthorized use occurrence notification execution confirmation processing unit that confirms to the user terminal whether or not to report the occurrence of unauthorized use to related organizations. The fraudulent transaction prevention system using a counterfeit card according to claim 1. An account information database for storing a counterfeit card unauthorized use prohibition lock / unlock lock flag, an unlock login password and a personal identification number indicating the unlocking / unlocking state of the counterfeit card unauthorized use prohibition lock, and the unlock login password received from the user terminal are the account Unauthorized counterfeit card unlocking that allows login when it does not match the password read from the information database and matches the unlock login password read from the account information database, and refuses login otherwise. A lock login password permission processing unit, and when login is permitted, the counterfeit card unauthorized use prohibition lock opening / closing processing unit for setting the forged card unauthorized use prohibition lock locking flag,
The forged card fraud prohibition tablets locking flag is the locked state and, when the password input from the user terminal is equal to said personal identification number stored in the account information database, the account of the transaction at the ATM terminal An ATM monitoring server, comprising: a counterfeit card fraudulent use occurrence determination processing unit that determines that fraudulent use by a forged card has occurred.   Unauthorized withdrawal interruption commanding the ATM terminal to suspend unauthorized use and photographing with a camera installed in the ATM terminal when the forged card unauthorized use occurrence determination processing unit determines unauthorized use. A camera photographing command processing unit and an ATM unauthorized use occurrence notification execution confirmation processing unit for confirming to the user terminal whether or not to report the occurrence of unauthorized use to a related organization. 3. The ATM monitoring server according to 3.   The counterfeit card unauthorized use prohibition lock opening / closing processing unit unlocks the counterfeit card unauthorized use prohibition lock locking flag only when login is permitted with the unlock login password input from the user terminal, 5. The ATM monitoring server according to claim 3, further comprising a function of automatically locking the counterfeit card unauthorized use prohibition lock locking flag when the transaction of the account at the ATM terminal is completed. When unauthorized use is determined by the forged card unauthorized use occurrence determination processing unit,
6. The ATM monitoring server according to claim 3, further comprising a counterfeit card capture command processing unit that instructs the ATM terminal to trap and capture the counterfeit card in the ATM terminal. Stores the counterfeit card fraudulent use prohibition lock / unlock lock flag, unlock login password, and password in the account information database to indicate the lock / unlock status of the counterfeit card fraud prohibition lock to prohibit the fraudulent use of the account by the forged card. And when the unlock login password received from the user terminal does not match the password read from the account information database and matches the unlock login password read from the account information database, In other cases, the counterfeit card unauthorized use prohibition lock unlock login password permission processing step for refusing login, and when the login is permitted, the counterfeit card unauthorized use prohibition lock locking flag is set. A lock opening and closing process step;
When the counterfeit card unauthorized use prohibition lock lock flag is in a locked state and the password entered from the user terminal is equal to the password stored in the account information database , an account transaction is made at the ATM terminal. An ATM monitoring method comprising: a counterfeit card fraudulent use occurrence determination process step for determining that fraudulent use by a forged card has occurred. When unauthorized use is determined by the forged card unauthorized use occurrence determination processing step,
Unauthorized withdrawal interruption camera shooting command processing step for commanding interruption of unauthorized use to the ATM terminal and photographing with a camera equipped on the ATM terminal, and whether to report the occurrence of unauthorized use to related organizations The ATM monitoring method according to claim 7, further comprising an ATM unauthorized use occurrence notification execution confirmation processing step for confirming the user terminal.   The forgery card unauthorized use prohibition lock opening / closing processing step unlocks the forged card unauthorized use prohibition lock locking flag only when login is permitted with the unlock login password input from the user terminal, 9. The ATM monitoring method according to claim 7, further comprising a function of automatically locking the counterfeit card unauthorized use prohibition lock locking flag when transaction of an account at an ATM terminal is completed. When unauthorized use is determined by the forged card unauthorized use occurrence determination processing step,
10. The ATM monitoring method according to claim 7, further comprising a counterfeit card capture command processing step for instructing the ATM terminal to confine and capture the counterfeit card in the ATM terminal. Stores the counterfeit card fraudulent use prohibition lock / unlock lock flag, unlock login password, and password in the account information database to indicate the lock / unlock status of the counterfeit card fraud prohibition lock to prohibit the fraudulent use of the account by the forged card. Processing, and when the unlock login password received from the user terminal does not match the password read from the account information database and matches the unlock login password read from the account information database, login is permitted, In other cases, the counterfeit card unauthorized use prohibition lock unlocking login password permission processing for refusing login, and when the login is permitted, the forgery card unauthorized use prohibition lock lock flag is set. Opening and closing process,
The counterfeit card unauthorized use prohibition lock locking flag is in a locked state; and
When the PIN entered from the user terminal is equal to the PIN stored in the account information database, if an account transaction is made at the ATM terminal, an unauthorized use by a counterfeit card has occurred. A program that causes a computer to perform the determination process of the occurrence of fraudulent card fraud.   Unauthorized withdrawal interrupted camera that instructs the ATM terminal to interrupt unauthorized use and to shoot with the camera installed in the ATM terminal when unauthorized use is determined by the counterfeit card unauthorized use occurrence determination process. 12. The program according to claim 11, further comprising: an image capturing instruction process and an ATM unauthorized use occurrence notification execution confirmation process for confirming to the user terminal whether or not to notify the related organization of the occurrence of unauthorized use.   The counterfeit card unauthorized use prohibition lock opening / closing process unlocks the counterfeit card unauthorized use prohibition lock locking flag only when login is permitted with the unlock login password input from the user terminal, and the ATM 13. The program according to claim 11, further comprising a function of automatically locking the counterfeit card unauthorized use prohibition lock locking flag when the account transaction at the terminal ends.   And a counterfeit card capture command process for instructing the ATM terminal to trap and capture the counterfeit card in the ATM terminal when the counterfeit card is determined to be fraudulent by the counterfeit card fraud utilization occurrence determination process. The program according to any one of claims 11 to 13. Card number database for storing counterfeit card illegal use prohibition lock lock flag, unlock login password and password to indicate the unlocking status of counterfeit card unauthorized use prohibition lock to prohibit unauthorized use by counterfeit card, and use Login is permitted when the unlock login password received from the user terminal does not match the password read from the card number database and matches the unlock login password read from the card number database. Is a counterfeit card unauthorized use prohibition lock unlock login password permission processing unit that refuses login,
When login is permitted, the counterfeit card unauthorized use prohibition lock opening / closing processing unit for setting the counterfeit card unauthorized use prohibition lock locking flag, the counterfeit card unauthorized use prohibition lock locking flag is in a locked state , and the use If the PIN entered from the user terminal is equal to the PIN stored in the account information database and a card transaction is made at the facility terminal,
A facility terminal monitoring server comprising: a forged card unauthorized use occurrence determination processing unit that determines that unauthorized use has occurred due to a forged card.   The facility terminal monitoring server according to claim 15, wherein the card is one of a credit card, a prepaid card using an IC card, and a commuter pass for transportation.

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