JP5347693B2 - Automatic transaction device, center device, transaction processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To certainly decide whether or not a cellphone is in use during transfer operation. <P>SOLUTION: This automatic transaction device includes a storage part storing terminal information for identifying a mobile terminal of a user using a bank account associatively to the bank account. When the transfer operation is started by the user, the automatic transaction device identifies the bank account that is a transfer source designated by the transfer operation, and obtains the terminal information associated to the identified bank account from the storage part. The automatic transaction device decides whether or not the mobile terminal identified by the obtained terminal information is in the middle of telephone talk during the transfer operation. <P>COPYRIGHT: (C)2011,JPO&amp;INPIT

Description

  The present invention relates to an automatic transaction apparatus, a center apparatus, and a transaction processing system.

  In recent years, so-called wire fraud has become a social problem. “Transfer fraud” is a general term for frauds such as ole fraud, fictitious bill fraud and loan deposit fraud. In a transfer fraud, a malicious third party tricks the victim into making money into the deposit account of the malicious third party and tricks the victim's money. In the transfer fraud, the victim uses the mobile phone during the transfer operation, and a malicious third party instructs the victim to perform the transfer operation by voice.

  Here, conventionally, a technique for determining whether or not a mobile phone is being used during a transfer operation is known with regard to the prevention of wire fraud. For example, a detection technique for detecting whether a user is operating an ATM (Automated Teller Machine) while holding a mobile phone using a surveillance camera is disclosed. In addition, an approval technique for allowing a third party to approve the transfer contents is also disclosed.

JP 2007-316959 A JP 2008-197939 A

  However, the above-described detection technology merely detects whether or not the mobile phone is held, and has a problem that it cannot be reliably determined whether the mobile phone is in use during the transfer operation.

  The disclosed technique has been made in view of the above, and an object thereof is to provide an automatic transaction apparatus, a center apparatus, and a transaction processing system that can reliably determine whether a mobile phone is in use during a transfer operation. And

  The automatic transaction apparatus which this application discloses is equipped with the memory | storage part which memorize | stores the terminal information which identifies the mobile terminal of the user who matches the deposit account and uses the said deposit account in one aspect. In addition, when an automatic transaction apparatus starts a transfer operation to the automatic transaction apparatus, the automatic transaction apparatus identifies a deposit account as a transfer source designated by the transfer operation, and terminal information associated with the identified deposit account Is provided from the storage unit. The automatic transaction apparatus further includes a determination unit that determines whether the mobile terminal is in a call during the transfer operation for the mobile terminal identified by the terminal information acquired by the number acquisition unit.

  According to one aspect of the automatic transaction apparatus disclosed in the present application, it is possible to reliably determine whether the mobile terminal is in use during the transfer operation.

FIG. 1 is a diagram for explaining the transaction processing system according to the first embodiment. FIG. 2 is a flowchart for explaining the overall processing flow by the transaction processing system according to the first embodiment. FIG. 3 is a block diagram for explaining an example of the configuration of the transaction processing system according to the first embodiment. FIG. 4 is a diagram for explaining an example of a confirmation request according to the first embodiment. FIG. 5 is a diagram for explaining the account information storage unit according to the first embodiment. FIG. 6 is a diagram for explaining the telephone number feature storage unit according to the first embodiment. FIG. 7 is a diagram for explaining the store information storage unit according to the first embodiment. FIG. 8 is a diagram for explaining a response sound information storage unit according to the first embodiment. FIG. 9 is a diagram for explaining an example of warning information according to the first embodiment. FIG. 10 is a diagram for explaining an example of warning information according to the first embodiment. FIG. 11 is a flowchart for explaining the flow of processing until the confirmation request is transmitted by the automatic transaction apparatus according to the first embodiment. FIG. 12 is a flowchart for explaining the flow of the entire process performed by the center device according to the first embodiment. FIG. 13 is a flowchart for explaining the flow of warning processing by the automatic transaction apparatus according to the first embodiment. FIG. 14 is a flowchart for explaining the flow of the mobile phone number acquisition process by the mobile phone number acquisition unit in the first embodiment. FIG. 15 is a flowchart for explaining the flow of determination processing by the determination unit in the first embodiment. FIG. 16 is a flowchart for explaining a flow of warning information transmission processing by the warning transmission unit in the first embodiment. FIG. 17A is a schematic diagram illustrating an example of a computer that executes the automatic transaction apparatus program according to the first embodiment. FIG. 17-2 is a schematic diagram illustrating an example of a computer that executes the center device program according to the first embodiment.

  Embodiments of an automatic transaction apparatus, a center apparatus, and a transaction processing system disclosed in the present application will be described below in detail with reference to the drawings. Note that the present invention is not limited to the embodiments.

[Outline of Transaction Processing System According to Embodiment 1]
First, the outline of the transaction processing system according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram for explaining the outline of the transaction processing system according to the first embodiment.

  As shown in FIG. 1, in the transaction processing system according to the first embodiment, an automatic transaction apparatus 100 and a center apparatus 200 are connected via a network 300. Further, the transaction processing system stores terminal information for identifying a user's mobile phone (also referred to as a mobile terminal) that uses the deposit account in association with the deposit account. In the example illustrated in FIG. 1, the storage unit of the center apparatus 200 stores terminal information “090-1111-xxxx” in association with the deposit account “x01”. The transaction processing system may store not only terminal information for identifying a mobile phone but also information for identifying a fixed phone.

  In the following, a mobile phone will be described as an example. However, the present invention is not limited to this, and any electronic device that is carried by a user and has a calling function may be used. For example, a PHS, a PDA having a call function, a notebook computer, a portable game machine, or the like may be used.

  Here, as shown in (1) of FIG. 1, a transfer operation for instructing the transfer transaction is started by the user with respect to the automatic transaction apparatus 100. In the example shown in FIG. A description will be made assuming that the transfer operation “x01” has started. Then, the transaction processing system according to the first embodiment identifies a deposit account as a transfer source designated by the transfer operation, and terminal information associated with the identified deposit account as shown in (2) of FIG. Is obtained from the storage unit. In the example illustrated in FIG. 1, the number acquisition unit of the center apparatus 200 acquires terminal information “090-1111-xxxx” associated with the deposit account “x01” as a transfer source.

  Then, as shown in (3) of FIG. 1, the transaction processing system according to the first embodiment determines whether the mobile phone is busy during the transfer operation for the mobile phone identified by the acquired terminal information. . For example, whether the determination unit of the center device 200 issues a call request to the mobile phone identified by the terminal information “090-1111-xxxx” and is using the response sound from the mobile phone on the receiving side Determine.

  For this reason, in the transaction processing system according to the first embodiment, it is ensured whether the mobile phone is in use during the transfer operation by determining whether the mobile phone is busy during the transfer operation. Can be determined.

[Details of Transaction Processing System According to Embodiment 1]
Next, details of the transaction processing system according to the first embodiment will be described. Specifically, in the transaction processing system described with reference to FIG. 1, the automatic transaction apparatus 100 executes image determination processing, transaction confirmation processing, and warning processing described later. In the following, first, the overall processing by the transaction processing system according to the first embodiment will be briefly described, and then the configuration of the transaction processing system according to the first embodiment and the flow of processing of the transaction processing system according to the first embodiment will be described in detail. explain.

[Overall processing by transaction processing system]
Then, the flow of the whole process by the transaction processing system which concerns on Example 1 is demonstrated easily using FIG. FIG. 2 is a flowchart for explaining the overall processing flow by the transaction processing system according to the first embodiment. The details of each process described with reference to FIG.

  As shown in FIG. 2, when an operation by the user is started (step S <b> 101), the automatic transaction apparatus 100 determines whether the mobile phone is in use using image information of the user who is operating. Is executed (step S102). If the automatic transaction apparatus 100 determines that the transaction is in use, the automatic transaction apparatus 100 executes a confirmation process for confirming whether the transaction type instructed by the user is a transfer transaction (step S103). If the automatic transaction apparatus 100 confirms that the transaction is a transfer transaction, the automatic transaction apparatus 100 transmits to the center apparatus 200 a confirmation request for requesting confirmation of whether the user's mobile phone of the account as the transfer source is busy (step S104). ).

  When the center device 200 receives the confirmation request, the center device 200 executes a mobile phone number acquisition process for acquiring the mobile phone number of the user of the deposit account as the transfer source (step S105), and the mobile phone makes a call during the transfer operation. A call determination process for determining whether the call is in progress is executed (step S106). When the center apparatus 200 determines that the mobile phone is busy during the transfer operation, the center apparatus 200 transmits warning information for designating a warning process for dealing with the transfer fraud to the automatic transaction apparatus 100 (step S107).

  Thereafter, the automatic transaction apparatus 100 receives the warning information, executes a warning process for preventing a transfer fraud, and displays, for example, character information warning the transfer fraud on the display (step S108).

[Configuration of transaction processing system]
The configuration of the transaction processing system according to the first embodiment will be described with reference to FIG. FIG. 3 is a block diagram for explaining the configuration of the transaction processing system according to the first embodiment. As shown in FIG. 3, the transaction processing system includes an automatic transaction apparatus 100 and a center apparatus 200, and the automatic transaction apparatus 100 and the center apparatus 200 are connected via a network 300. Below, the structure of the automatic transaction apparatus 100 is demonstrated first, and the structure of the center apparatus 200 is demonstrated after that.

[Configuration of automatic transaction equipment]
The configuration of the automatic transaction apparatus 100 will be described. As shown in FIG. 3, the automatic transaction apparatus 100 is connected to the center apparatus 200 via a network 300 and includes an input unit 101, an output unit 102, and an ATM side control unit 120.

  In addition, the automatic transaction apparatus 100 is preset with an “ATM identification number” that is information for identifying the automatic transaction apparatus 100 from other automatic transaction apparatuses 100, for example, “001001” or “002001”. ing. In the automatic transaction apparatus 100, an “ATM identification number” is set in advance by an administrator who manages the transaction processing system.

  The input unit 101 is connected to the ATM-side control unit 120, and more specifically, is connected to a mobile phone use determination unit 121 described later. Further, the input unit 101 receives an operation for instructing a transfer transaction from the user, for example, via a keyboard or a touch panel provided in the automatic transaction apparatus 100. For example, the input unit 101 performs a transfer operation for transferring money from a user to another person's account, a deposit operation for depositing money in his / her account, a confirmation operation for confirming the amount of money stored in his / her account, and the like. Accept.

  In addition, when the input unit 101 starts accepting an operation on the automatic transaction apparatus 100 by a user, the input unit 101 transmits the accepted operation content to the mobile phone use determination unit 121.

  The output unit 102 is connected to the ATM-side control unit 120, and specifically, is connected to a warning processing unit 124 described later. Further, for example, the output unit 102 corresponds to a display or a speaker provided in the automatic transaction apparatus 100. The output unit 102 is controlled by the warning processing unit 124, displays text and characters designated by the warning processing unit 124 on a display, and outputs the voice designated by the warning processing unit 124 from a speaker.

  The ATM-side control unit 120 has an internal memory for storing a program that defines various determination processing procedures and the like, and executes various determination processes. The ATM-side control unit 120 includes a mobile phone use determination unit 121, a transaction status confirmation unit 122, a confirmation request transmission unit 123, and a warning processing unit 124.

  The mobile phone use determination unit 121 is connected to the input unit 101 and the transaction status confirmation unit 122. In addition, the mobile phone use determination unit 121 includes a monitoring camera (also referred to as an imaging unit) that images the user of the automatic transaction apparatus 100.

  When the transfer operation by the user is started, the mobile phone use determination unit 121 executes image determination processing for determining whether the mobile phone is in use using image information of the user who is operating. Specifically, when the mobile phone use determining unit 121 starts to receive the operation content by the user from the input unit 101, the mobile phone use determining unit 121 analyzes the image information of the user captured by the monitoring camera, and the user selects the mobile phone. Determine if it is in use. For example, the mobile phone use determination unit 121 makes a determination using a known analysis method, for example, stores in advance a mobile phone pattern of an image showing a mobile phone, and the mobile phone pattern is included in the captured user image information. To determine whether or not If the mobile phone use determination unit 121 determines that the mobile phone is in use, the mobile phone use determination unit 121 transmits the operation content received from the input unit 101 to the transaction status confirmation unit 122 as it is.

  The transaction status confirmation unit 122 is connected to the mobile phone use determination unit 121 and the confirmation request transmission unit 123, and executes a confirmation process for confirming whether the type of transaction designated by the user is a transfer transaction. Specifically, when the transaction status confirmation unit 122 receives an operation content by the user from the mobile phone use determination unit 121, the transaction status confirmation unit 122 uses the received operation content to confirm whether the transaction instructed by the user is a transfer transaction. .

  Moreover, if the transaction status confirmation part 122 confirms that the transaction instruct | indicated by the user is a transfer transaction, it will transmit the operation content received from the mobile telephone use determination part 121 to the confirmation request transmission part 123 as it is.

  The confirmation request transmission unit 123 is connected to the transaction status confirmation unit 122 and is connected to the center apparatus 200 via the network 300. If the transaction status confirmation unit 122 confirms that the transaction is a transfer transaction, the confirmation request transmission unit 123 requests the center device 200 to confirm whether the mobile phone of the account that is the transfer source is busy. Send a request.

  Specifically, when the confirmation request transmission unit 123 receives the operation content from the transaction status confirmation unit 122, the confirmation request transmission unit 123 identifies information on the deposit account that is the transfer source from the received operation content. Then, the confirmation request transmission unit 123 generates a confirmation request including the identified information and transmits it to the center apparatus 200.

  Note that the case where the confirmation request transmission unit 123 receives the operation content from the transaction status confirmation unit 122 is determined to be in use by the image determination process by the mobile phone use determination unit 121, and then is a transfer transaction by the user. When it is confirmed.

  Here, an example of the confirmation request transmitted by the confirmation request transmission unit 123 will be described with reference to FIG. In the example shown in FIG. 4, the confirmation request includes “message type” that identifies the content of data to be transmitted, “transfer source account information” that identifies the deposit account that is the transfer source in the transfer transaction, and the automatic transaction apparatus 100. Is associated with “ATM identification number”.

  In the example shown in FIG. 4, the “transfer account information” is a branch number for the branch where the deposit account that is the transfer source is opened, among the branch numbers that identify the stores where the deposit account is opened. "Transfer source account branch number" is included. In addition, in the “transfer account information”, the “transfer account number” that identifies the deposit account that is the transfer source, the “transfer person address” that indicates the address of the user who instructed the transfer transaction, and the transfer transaction are instructed. “Transfer name” indicating the name of the user who made the payment. Further, the “transfer source account information” includes a “transferr telephone number” indicating the telephone number of the user who instructed the transfer transaction.

  Specifically, the confirmation request includes, for example, a message type “mobile phone availability warning” and an ATM identification number “002001”. Also, in the confirmation request, as the transfer source account information, the transfer source account branch number “001”, the transfer source account number “1234567”, the transfer person address “Mito City, Ibaraki Prefecture”, and the transfer person name “inadvertently” ○ "Heibe" and the transfer phone number "090-2009-XXXX" are included.

  Here, the “ATM identification number” included in the confirmation request is an “ATM identification number” that identifies the automatic transaction apparatus 100 that has accepted the transfer operation from the user. The “transfer source account information” included in the confirmation request is identified from the operation content received from the user, and is manually input to the input unit 101 by the user, for example. Further, for example, when the automatic transaction apparatus 100 accepts a cash card or a passbook from a user, the “transfer account information” is identified from the cash card or the passbook.

  The present embodiment is not limited to the case where “transfer account information” is identified from a cash card or a passbook. For example, “transfer account information” is manually input directly by a user. May be. Moreover, the transfer transaction in the present embodiment is not limited to the transfer transaction using a cash card or a passbook, and may be a transfer transaction that does not use a cash card or a passbook.

  FIG. 4 is merely an example of a confirmation request. As “transfer account information”, “transfer account branch number”, “transfer account number”, “transfer address”, “transfer name”, and “transfer” It is not necessary to transmit all the “original account information”. For example, “transfer bank account number” and “transferr telephone number” may be transmitted, or only “transferr telephone number” may be transmitted.

  Returning to FIG. 3, the warning processing unit 124 is connected to the output unit 102, and is connected to the center device 200 via the network 300. When the warning processing unit 124 receives warning information designating a warning process for dealing with a transfer fraud from the center apparatus 200, the warning processing unit 124 executes a warning process for preventing the transfer fraud using the received warning information.

  For example, the warning processing unit 124 sends a sentence or a screen warning the wire fraud to the output unit 102 and causes the output unit 102 to display it. In addition, the warning processing unit 124 sends audio data that warns that there is a possibility of a fraud scam to the output unit 102, and causes the output unit 102 to output from the speaker. Further, for example, the warning processing unit 124 transmits a jamming radio wave that interferes with a radio wave of the mobile phone. Note that a specific flow of processing by the warning processing unit 124 will be described later, and a description thereof will be omitted here.

[Configuration of center unit]
Next, the configuration of the center apparatus 200 will be described. As shown in FIG. 3, the center apparatus 200 is connected to the automatic transaction apparatus 100 via a network 300 and includes a center apparatus side storage unit 210 and a center apparatus side control unit 220.

  The center device side storage unit 210 stores data used for various determination processes by the center device side control unit 220. In the example shown in FIG. 3, the account information storage unit 211, the telephone number feature storage unit 212, and the store information storage unit 213 and a response sound information storage unit 214.

  The account information storage unit 211 is connected to a mobile phone number acquisition unit 221 described later. Further, as shown in FIG. 5, the account information storage unit 211 identifies the contact information of the user in association with the combination of “branch number” and “deposit account” that identifies the store where the deposit account is opened. The “telephone number” is stored. FIG. 5 is a diagram for explaining the account information storage unit in the first embodiment.

  In the example illustrated in FIG. 5, the account information storage unit 211 stores the telephone number “090-2009-XXXX” in association with the combination of the branch number “001” and the deposit account “1234567”. That is, it stores that the contact information of the user who uses the deposit account “1234567” opened at the branch number “001” is the telephone number “090-2009-XXXX”.

  In the example shown in FIG. 5, the account information storage unit 211 has not only a mobile phone number such as “090-2009-XXXX” and “080-3456-06XX”, but also “045-438-20XX” and “03- A case where a phone number that is not a mobile phone number such as “1234-56XX” is also stored is described. However, the present invention is not limited to this, and only the mobile phone number may be stored.

  Information stored in the account information storage unit 211 is input in advance by the administrator and used by the mobile phone number acquisition unit 221.

  The telephone number feature storage unit 212 is connected to the mobile phone number acquisition unit 221 and stores a “mobile phone number feature”, which is a feature common to mobile phone numbers, as shown in FIG. FIG. 6 is a diagram for explaining the telephone number feature storage unit in the first embodiment. In the example illustrated in FIG. 6, the phone number feature storage unit 212 stores mobile phone number feature # 1 “090 *”, mobile phone number feature # 2 “080 *”, and the like.

  In the example shown in FIG. 6, “*” indicates that any number may follow. That is, the mobile phone number feature # 1 “090 *” indicates that “090” is placed at the head of the phone number, and any number may follow thereafter.

  Information stored in the telephone number feature storage unit 212 is input in advance by the administrator and used by the mobile phone number acquisition unit 221.

  The store information storage unit 213 is connected to a warning transmission unit 223 described later. Further, as shown in FIG. 7, the store information storage unit 213 associates with the “jurisdiction store” that identifies the store in which the automatic transaction apparatus 100 is installed, and identifies “ATM identification” that identifies the installed automatic transaction apparatus 100. The “number” and the “contact” that identifies the contact information of the store are stored. FIG. 7 is a diagram for explaining the store information storage unit according to the first embodiment.

  In the example illustrated in FIG. 7, the store information storage unit 213 stores the ATM identification number “001001” and the contact information “03-2000-22XX” in association with the jurisdiction store “001”. That is, the store information storage unit 213 stores that the automatic transaction apparatus 100 identified by the ATM identification number “001001” is installed in the store identified by the jurisdiction store “001”. In addition, the store information storage unit 213 stores that the contact information of the store identified by the responsible store “001” is the contact information “03-2000-22XX”.

  Information stored in the store information storage unit 213 is input in advance by an administrator and used by the warning transmission unit 223.

  The response sound information storage unit 214 is connected to a determination unit 222 described later, and indicates whether or not a call is in progress for each response sound obtained from the mobile phone that is the destination of the call request, as shown in FIG. Remember me. In addition, FIG. 8 is a figure for demonstrating the response sound information storage part in Example 1. FIG.

  In the example illustrated in FIG. 8, the response sound information storage unit 214 stores “x” during a call in association with the response sound “ringing sound” and corresponds to the response sound “message sound indicating that the call is currently in progress”. In addition, “○” is memorized during the call. In the example shown in FIG. 8, “○” is described during a call when the call is in progress, and “X” is described during the call when the call is not being performed.

  Information stored in the response sound information storage unit 214 is input in advance by the administrator and used by the determination unit 222.

  Returning to FIG. 3, the center device side controller 220 has an internal memory for storing a program that defines various determination processing procedures and the like, and executes various determination processes. In the example shown in FIG. A telephone number acquisition unit 221, a determination unit 222, and a warning transmission unit 223 are provided.

  The mobile phone number acquisition unit 221 is connected to the account information storage unit 211 and the phone number feature storage unit 212, and is connected to the confirmation request transmission unit 123 via the network 300. In addition, when receiving the confirmation request from the confirmation request transmission unit 123, the mobile phone number acquisition unit 221 executes a mobile phone number acquisition process for acquiring the mobile phone number of the user of the deposit account as the transfer source. That is, when the transfer operation for the automatic transaction apparatus 100 is started by the user, the mobile phone number acquisition unit 221 acquires the mobile phone number for the user of the deposit account that is the transfer source specified by the transfer operation.

  Specifically, when receiving the confirmation request (see FIG. 4) from the confirmation request transmission unit 123, the mobile phone number acquisition unit 221 acquires the telephone number included in the received confirmation request, for example, “transfer phone number Is obtained. In addition, the mobile phone number acquisition unit 221 acquires a phone number from the account information storage unit 211 using the deposit account as a transfer source included in the received confirmation request as a search key.

  In addition, the mobile phone number acquisition unit 221 refers to the phone number feature storage unit 212 to execute mobile phone number determination processing for determining whether the acquired phone number is a mobile phone number, and the phone determined to be a mobile phone number The number and the confirmation request are transmitted to the determination unit 222. Note that the mobile phone number acquisition unit 221 executes mobile phone number determination processing for all the acquired phone numbers when acquiring a plurality of phone numbers, and if there are a plurality of mobile phone numbers, all Are transmitted to the determination unit 222.

  Here, the point which acquires the telephone number contained in the received confirmation request | requirement is further demonstrated. The mobile phone number acquisition unit 221 acquires the “transfer person telephone number” included in the received confirmation request, and acquires the transfer person telephone number “090-2009-XXXX” in the example illustrated in FIG. 4.

  Further, the point that a telephone number is acquired from the account information storage unit 211 using a deposit account as a transfer source as a search key will be described. The mobile phone number acquisition unit 221 identifies a deposit account as a transfer source designated by the transfer operation, and acquires a phone number associated with the identified deposit account from the account information storage unit 211. For example, the mobile phone number acquisition unit 221 acquires the user's phone number from the account information storage unit 211 using the combination of the transfer source account branch number and the transfer source account number included in the received confirmation request as a search key. 4 and 5, the mobile phone number acquisition unit 221 uses the combination of the transfer source account branch number “001” and the transfer source account number “1234567” as a search key, and the phone number “ 090-2009-XXXX ".

  The mobile phone number determination process will be further described. The mobile phone number acquisition unit 221 reads the mobile phone number feature from the phone number feature storage unit 212 and determines whether the phone number satisfies the read mobile phone number feature. Then, the mobile phone number acquisition unit 221 acquires the phone number determined to be satisfied as a mobile phone number.

  For example, the mobile phone number acquisition unit 221 determines whether each acquired phone number matches one of the mobile phone number features stored in the phone number feature storage unit 212. For example, the mobile phone number acquisition unit 221 determines whether the transfer phone number “090-2009-XXXX” matches each of the mobile phone number features stored in the phone number feature storage unit 212. It is determined whether the number feature # 1 “090 *”, the mobile phone number feature # 2 “080 *”, or the mobile phone number feature # 3 “070 *” is matched.

  For example, when the mobile phone number acquisition unit 221 determines that the acquired phone number matches the mobile phone number feature, the mobile phone number acquisition unit 221 determines that the acquired phone number is a mobile phone number. For example, the transfer phone number “090-2009-XXXX” is If it matches the mobile phone number feature # 1 “090 *”, it is determined to be a mobile phone number. On the other hand, the mobile phone number acquisition unit 221 determines that it is not a mobile phone number if it does not match, and for example, if the phone number “03-1234-56XX” does not match any mobile phone number feature, the mobile phone number It is determined that it is not.

  The determination unit 222 is connected to the response sound information storage unit 214, the mobile phone number acquisition unit 221, and the warning transmission unit 223. Further, the determination unit 222 executes a call determination process for determining whether the mobile phone is busy during the transfer operation for the mobile phone identified by the mobile phone number acquired by the mobile phone number acquisition unit 221. .

  Specifically, the determination unit 222 receives a mobile phone number and a confirmation request from the mobile phone number acquisition unit 221. Then, the determination unit 222 transmits a call request to the mobile phone identified by the mobile phone number acquired by the mobile phone number acquisition unit 221 before the transfer operation by the user is completed. Then, the determination unit 222 receives a response sound from the mobile phone that has transmitted the call request, and refers to the response sound information storage unit 214 to determine whether the call is in progress during the transfer operation.

  For example, the determination unit 222 acquires “busy” stored in the response sound information storage unit 214 using the response sound received from the mobile phone that has transmitted the call request as a search key. The determination unit 222 determines that the call is in progress when the acquired “busy” is “◯”, and determines that the call is not in progress when it is “x”.

  To explain with a specific example, the determination unit 222 determines that the call is not in progress when receiving the “ring tone”, and receives the “message sound indicating that the call is currently in progress”. It is determined that a call is in progress.

  If the determination unit 222 receives the “ringing sound” and determines that the call is not in progress, the determination unit 222 determines whether or not there is a response. If there is a response, the determination unit 222 transfers the transfer to the mobile phone that has transmitted the call request. Output audio information to warn fraud. For example, as the voice information that warns of a transfer fraud, “There is a transfer fraud trick that guides ATM operation using a mobile phone. Please be careful” is output and the call is terminated. If there is no response for a certain time, the determination unit 222 ends the process as it is.

  For example, if you are in call waiting control so that you can receive a call when someone else calls you during a call, you may not receive a “message sound that you are currently talking” even if you are on a call. In some cases, a “ringing tone” may be received. Even in such a case, by determining whether or not there is a response, the determination unit 222 can output voice information to warn the transfer fraud to the mobile phone.

  In addition, when receiving the “ringing sound”, the determination unit 222 may determine whether or not the call waiting control is being performed, and then output voice information that warns of a transfer fraud. Specifically, the determination unit 222 further uses the response sound received from the mobile phone that is the destination of the call request to further determine whether the call waiting control is enabled so that a call can be received when a call is received from another person during the call. . Then, only when it is determined that the call waiting control is being performed, the determination unit 222 outputs voice information that warns of a transfer fraud to the mobile phone that is the destination of the call request.

  For example, if the determination unit 222 receives “ringing sound” and determines that the call is not in progress, the determination unit 222 determines whether the call waiting is being controlled, for example, a message sound indicating that the call waiting is being controlled and the phone is connected. When received, it is determined that call waiting control is being performed. Then, the determination unit 222 determines whether there is a response when it is determined that the call waiting control is being performed, and when there is a response, that is, when a call state is established, the determination unit 222 outputs voice information that warns of a transfer fraud. In addition, the determination part 222 complete | finishes a process, when not determining with it being during call waiting control, or when determining with no response after having determined that it is under call waiting control.

  If the determination unit 222 determines that the call is in progress, the determination unit 222 transmits the confirmation request received from the mobile phone number acquisition unit 221 to the warning transmission unit 223. Note that an example of a detailed processing flow by the determination unit 222 will be described later, and thus the description thereof is omitted here.

  The warning transmission unit 223 is connected to the store information storage unit 213 and the determination unit 222 and is connected to the warning processing unit 124 via the network 300. Further, when the warning transmission unit 223 receives the confirmation request from the determination unit 222, that is, when the determination unit 222 determines that the mobile phone is busy during the transfer operation, the warning transmission unit 223 transmits the warning information to the warning processing unit 124. To do.

  Specifically, the warning transmission unit 223 creates warning information with the automatic transaction apparatus 100 identified by the ATM identification number included in the confirmation request received from the determination unit 222 as a destination, and sends the warning information to the automatic transaction apparatus 100. Send to. For example, the warning transmission unit 223 transmits warning information to the automatic transaction apparatus 100 identified by the ATM identification number “002001” (see FIG. 4).

  For example, as shown in FIG. 9, the warning transmission unit 223 transmits warning information for causing the automatic transaction apparatus 100 to display a message warning the wire fraud to the warning processing unit 124. FIG. 9 is a diagram for explaining an example of warning information in the first embodiment. In the example illustrated in FIG. 9, the warning transmission unit 223 transmits the message type “transfer fraud warning message display” and “display data” that is data to be displayed on the display provided in the automatic transaction apparatus 100. For example, the warning transmission unit 223 transmits the display data “There is a transfer fraud trick that guides the ATM operation by telephone. Thereafter, for example, the warning processing unit 124 displays the received display data on the display of the output unit 102.

  For example, as illustrated in FIG. 10, the warning transmission unit 223 transmits warning information for transmitting a communication jamming radio wave around the automatic transaction apparatus 100 in which the transfer operation is performed to the warning processing unit 124. FIG. 10 is a diagram for explaining an example of warning information in the first embodiment. In the example illustrated in FIG. 10, the warning transmission unit 223 transmits a message type “cell phone communication jamming radio wave transmission” and a “calling time width” indicating a time during which the communication jamming radio wave is transmitted. 30 sec "is transmitted. Thereafter, for example, the warning processing unit 124 transmits a communication jamming radio wave for a transmission time width “30 sec”.

  Moreover, the warning transmission part 223 transmits the warning information for warning a transfer fraud to the store in which the automatic transaction apparatus 100 used as the transmission destination of warning information was installed. Specifically, the store information storage unit 213 is searched using the “ATM identification number” included in the confirmation request as a search key, and the contact information is acquired. For example, the ATM identification number “002001” is acquired from the confirmation request, and the contact information “045-500-47XX” is acquired from the store information storage unit 213 using the ATM identification number “002001” as a search key (FIGS. 4 and 7). reference).

  In addition, the warning transmission unit 223 transmits warning information including the alert request and the ATM identification number to the store identified by the contact information acquired from the store information storage unit 213. Here, the ATM identification number transmitted by the warning transmission unit 223 is the same number as the number included in the confirmation request, and is an ATM identification number for identifying the automatic transaction apparatus 100 for which the transfer operation has been started. . For example, the warning transmission unit 223 uses the contact “045-500-47XX” and sends a message “Transfer operation and use of mobile phone at ATM 002 in store 001. Use caution!” To do.

  Since the detailed processing flow by the warning transmission unit 223 will be described later, the description thereof is omitted here.

[Processing by transaction processing system]
Next, details of processing by the transaction processing system according to the first embodiment will be described. Below, the flow of processing until confirmation request transmission by the automatic transaction apparatus 100, the flow of overall processing by the center apparatus 200, and the flow of warning processing by the automatic transaction apparatus 100 will be described.

  The flow of processing up to the confirmation request transmission by the automatic transaction apparatus 100 corresponds to steps S101 to S104 in FIG. 2 in the flow of overall processing by the transaction processing system described with reference to FIG. The overall processing flow by the center apparatus 200 corresponds to steps S105 to S107 in FIG. The flow of warning processing by the automatic transaction apparatus 100 corresponds to step S108 in FIG.

[Processing until confirmation request transmission by automatic transaction apparatus in embodiment 1]
With reference to FIG. 11, the flow of processing until confirmation request transmission by the automatic transaction apparatus 100 according to the first embodiment will be described. FIG. 11 is a flowchart for explaining the flow of processing until the confirmation request is transmitted by the automatic transaction apparatus according to the first embodiment.

  As shown in FIG. 11, in the automatic transaction apparatus 100, when there is an operation by the user (Yes at Step S201), that is, when the input unit 101 starts to receive an operation from the user, the mobile phone use determination unit 121 A determination process is executed (step S202). Specifically, the mobile phone use determination unit 121 analyzes the image information of the user and determines whether the user is using the mobile phone.

  When the mobile phone use determining unit 121 determines that the mobile phone is being used (Yes at Step S203), the transaction status confirmation unit 122 executes a transaction confirmation process (Step S204). Specifically, the transaction status confirmation unit 122 confirms whether the transaction instructed by the user is a transfer transaction from the operation contents by the user.

  Then, when the transaction status confirmation unit 122 confirms that the transaction is a transfer transaction (Yes at Step S205), the confirmation request transmission unit 123 is in communication with the center device 200 of the mobile phone of the account that is the transfer source. A confirmation request for requesting confirmation is transmitted (step S206). Specifically, the confirmation request transmission unit 123 identifies information related to the deposit account that is the transfer source from the operation content by the user, and transmits a confirmation request including the identified information to the center apparatus 200.

  In step S203 described above, when it is determined that the mobile phone use determining unit 121 is not using the mobile phone (No in step S203), the automatic transaction apparatus 100 ends the process as it is. In step S205 described above, when the transaction status confirmation unit 122 confirms that the transaction is not a transfer transaction (No in step S205), the automatic transaction apparatus 100 ends the determination process as it is.

[Overall Processing by Center Device in Embodiment 1]
The overall processing flow performed by the center apparatus 200 in the first embodiment will be described with reference to FIG. FIG. 12 is a flowchart for explaining the flow of the entire process performed by the center device according to the first embodiment.

  As shown in FIG. 12, in the center device 200, when the mobile phone number acquisition unit 221 receives the confirmation request from the automatic transaction device 100 (Yes in step S301), the mobile phone number of the user of the deposit account as the transfer source is obtained. The mobile phone number acquisition process to be acquired is executed, and for example, the mobile phone number “090-2009-XXXX” is acquired (step S302). Note that details of the mobile phone number acquisition process by the mobile phone number acquisition unit 221 will be described later, and thus the description thereof is omitted here.

  Then, the determination unit 222 executes a mid-call determination process for determining whether the mobile phone is busy during a transfer operation for the mobile phone identified by the mobile phone number acquired by the mobile phone number acquisition unit 221. (Step S303). For example, the determination unit 222 sends a call request using a mobile phone number, and the response sound received from the mobile phone that is the destination of the call request is stored in the response sound information storage unit 214 as a search key. Is obtained. The determination unit 222 determines that the call is in progress when the acquired “busy” is “◯”, and determines that the call is not in progress when it is “x”. Note that details of the mid-call determination process performed by the determination unit 222 will be described later, and a description thereof will be omitted here.

  If the determination unit 222 determines that the call is in progress (Yes at Step S304), the warning transmission unit 223 generates warning information for dealing with the transfer fraud and transmits it to the automatic transaction apparatus 100 (Step S305). ). Note that details of the process of generating and transmitting the warning information will be described later, and thus the description thereof is omitted here. On the other hand, if the determination unit 222 determines that a call is not being made (No at Step S304), the warning transmission unit 223 ends the process without transmitting the warning information.

[Warning process by automatic transaction apparatus in embodiment 1]
The flow of warning processing by the automatic transaction apparatus 100 according to the first embodiment will be described with reference to FIG. FIG. 13 is a flowchart for explaining the flow of warning processing by the automatic transaction apparatus according to the first embodiment.

  As shown in FIG. 13, in the automatic transaction apparatus 100, when the warning processing unit 124 receives warning information from the center apparatus 200 (Yes in step S401), the “message type” of the received warning information is “transfer fraud warning message display”. Is determined (step S402). That is, the warning processing unit 124 determines whether it is warning information for causing the automatic transaction apparatus 100 to display a message warning the wire fraud. If the warning processing unit 124 determines that the message is “transfer fraud warning message display” (Yes at step S402), the “display data” in the warning information is extracted and displayed on the ATM screen (step S403). That is, the warning processing unit 124 displays the extracted display data on the display of the output unit 102. Then, the process ends.

  If the warning processing unit 124 determines that the message is not “transfer fraud warning message display” (No in step S402), the warning processing unit 124 determines whether the “message type” of the received warning information is “cell phone communication jamming radio wave transmission” ( Step S404). That is, the warning processing unit 124 determines whether the warning information is for transmitting a communication jamming radio wave. When the warning processing unit 124 determines that the transmission is “cell phone communication jamming radio wave transmission” (Yes at Step S404), the “transmission time width” in the warning information is acquired (Step S405). For example, “30 sec” is set. get. Then, the warning processing unit 124 transmits a communication jamming radio wave during the acquired transmission time (step S406). Then, the process ends.

  Note that if the warning processing unit 124 determines in step S404 described above that it is not “cell phone communication jamming radio wave transmission”, the process is terminated.

[Details of processing by center device]
Next, details of the processing by the center device 200 will be described. Specifically, the flow of the mobile phone number acquisition process by the mobile phone number acquisition unit 221, the flow of the call determination process by the determination unit 222, and the warning transmission unit 223 The flow of the warning information transmission process by will be described.

  Note that the flow of the mobile phone number acquisition process performed by the mobile phone number acquisition unit 221 corresponds to step S302 in the overall process flow performed by the center apparatus 200 described with reference to FIG. The flow of the mid-call determination process by the determination unit 222 corresponds to S303 in FIG. The flow of warning information transmission processing by the warning transmission unit 223 corresponds to step S305 in FIG.

[Mobile phone number acquisition processing by mobile phone number acquisition unit in embodiment 1]
The flow of the mobile phone number acquisition process by the mobile phone number acquisition part 221 in Example 1 is demonstrated using FIG. FIG. 14 is a flowchart for explaining the flow of the mobile phone number acquisition process by the mobile phone number acquisition unit in the first embodiment.

  As illustrated in FIG. 14, the mobile phone number acquisition unit 221 determines whether or not the confirmation request received from the confirmation request transmission unit 123 includes “transfer phone number” (Yes in step S501). Here, if it is determined that there is a “transferr telephone number” (Yes in step S501), a “transferr telephone number” is acquired, for example, a transferer telephone number “090-2009-XXXX” (see FIG. 4) is acquired. (Step S502). Then, the mobile phone number acquisition unit 221 executes mobile phone number determination processing for the acquired transfer person phone number (step S503). For example, the mobile phone number acquisition unit 221 executes mobile phone number determination processing for the transfer person phone number “090-2009-XXXX”.

  Then, the mobile phone number acquisition unit 221 determines whether the confirmation request includes “transfer source account branch number” or “transfer source account number” (step S504). If the mobile phone number acquisition unit 221 determines that there is a “transfer source account branch number” or a “transfer source account number” (Yes in step S504), the “transfer source account branch number” and the “transfer source account number”. The account information storage unit 211 is searched using the combination of and as a search key (step S505). Then, the mobile phone number acquisition unit 221 acquires the account user's phone number from the account information storage unit 211 (step S506). That is, the mobile phone number acquisition unit 221 acquires the phone number associated with the deposit account as the transfer source from the account information storage unit 211. Then, the mobile phone number acquisition unit 221 executes mobile phone number determination processing for the acquired phone number (step S507). For example, the mobile phone number acquisition unit 221 executes mobile phone number determination processing for the phone number “090-2009-XXXX” (see FIGS. 4 and 5).

  When the mobile phone number acquisition unit 221 determines that there is a mobile phone number in the mobile phone number determination process in step S503 or step S507 (Yes in step S508), the mobile phone number acquisition unit 221 determines the mobile phone number and the confirmation request. The data is transmitted to the unit 222 (step S509). On the other hand, when it is determined that there is no mobile phone number (No at Step S508), the mobile phone number acquisition unit 221 ends the process as it is.

  If the mobile phone number acquisition unit 221 determines in step S501 that there is no “transfer phone number” in the confirmation request (No in step S501), it starts the process in step S504. If the mobile phone number acquisition unit 221 determines that there is no “transfer source account branch number” or “transfer source account number” in the confirmation request in step S504 described above (No in step S504), the process in step S508 described above. To start.

  Note that the mobile phone number determination processing in steps S503 and S507 described above is the same processing except that the phone numbers to be determined are different. That is, in the mobile phone number determination process in step S503, the transfer phone number included in the confirmation request is a determination target. In the mobile phone number determination process in step S507, the phone number stored in the account information storage unit 211 in association with the deposit account that is the transfer source included in the confirmation request is the determination target.

[Determination Processing by the Determination Unit in Embodiment 1]
The flow of determination processing by the determination unit 222 according to the first embodiment will be described with reference to FIG. FIG. 15 is a flowchart for explaining the flow of determination processing by the determination unit in the first embodiment.

  As illustrated in FIG. 15, when the determination unit 222 receives the mobile phone number and the confirmation request from the mobile phone number acquisition unit 221 (Yes in step S601), the determination unit 222 determines whether a call is in progress (step S602). Specifically, the determination unit 222 sends a call request to the mobile phone identified by the mobile phone number acquired by the mobile phone number acquisition unit 221 before the transfer operation by the user is completed. And the determination part 222 receives a response sound from the mobile telephone used as the transmission destination of a call request, determines with reference to the response sound information memory | storage part 214 whether it is in a call during transfer operation.

  If the determination unit 222 determines that the call is in progress (Yes at step S603), the determination unit 222 transmits the confirmation request received from the mobile phone number acquisition unit 221 to the warning transmission unit 223. (Step S604).

  If the determination unit 222 determines that the call is not in progress (No at Step S603), the determination unit 222 determines whether there is a response (Step S605). Here, when the determination unit 222 determines that there is a response (Yes in step S606), a warning message (for example, “There is a transfer fraud trick that guides ATM operation using a mobile phone. Please note.”) To end the call (step S607). Then, the determination unit 222 ends the process.

  If the determination unit 222 determines that there is no response (No at step S606), the process ends.

[Warning Information Transmission Processing by Warning Transmission Unit in Embodiment 1]
The flow of warning information transmission processing by the warning transmission unit 223 according to the first embodiment will be described with reference to FIG. FIG. 16 is a flowchart for explaining a flow of warning information transmission processing by the warning transmission unit in the first embodiment.

  As illustrated in FIG. 16, when the warning transmission unit 223 receives the confirmation request from the determination unit 222 (Yes in S701), the warning transmission unit 223 displays warning information addressed to the automatic transaction apparatus 100 identified by the ATM identification number included in the confirmation request. It creates (step S702) and transmits the created warning information (step S703). For example, the warning transmission unit 223 transmits warning information to the automatic transaction apparatus 100 identified by the ATM identification number “002001”.

  Then, the warning transmission unit 223 searches the store information storage unit 213 using the “ATM identification number” included in the confirmation request as a search key (step S704), and acquires the contact information (step S705). For example, the ATM identification number “002001” is acquired from the confirmation request, and the contact information “045-500-47XX” is acquired from the store information storage unit 213 using the ATM identification number “002001” as a search key.

  Then, the warning transmission unit 223 transmits the alert request and the ATM identification number to the store identified by the acquired contact using the acquired contact (step S706). For example, “Store 001” At 002 ATM, transfer the message and use mobile phone. Be careful! ”Message is sent.

[Effect of Example 1]
As described above, according to the first embodiment, the center device 200 includes the account information storage unit 211 that stores a telephone number in association with a deposit account. Further, when a transfer operation on the automatic transaction apparatus 100 is started by the user, the center apparatus 200 identifies a deposit account as a transfer source, and acquires a mobile phone number corresponding to the identified deposit account. Then, center device 200 determines whether the mobile phone is in a call during the transfer operation for the mobile phone identified by the acquired mobile phone number. As a result, according to the first embodiment, it is possible to reliably determine whether the mobile phone is in use during the transfer operation.

  In addition, according to the first embodiment, the determination unit 222 transmits a call request to the mobile phone identified by the mobile phone number acquired by the mobile phone number acquisition unit 221 during the transfer operation by the user. . Then, using the response sound received from the mobile phone that is the destination of the call request, it is determined during the transfer operation whether the call is in progress, so it is reliably determined during the transfer operation during the transfer operation. Is possible.

  In addition, according to the first embodiment, when the determination unit 222 determines that a call is in progress, a response is received from a mobile phone that is a destination of a call request, and a call is received from another person during the call. It is determined whether or not call waiting control is enabled so that an incoming call can be received. When the determination unit 222 determines that the call waiting control is being performed, the warning transmission unit 223 outputs voice information that warns of a transfer fraud to the mobile phone that is the destination of the call request. It is possible to warn the user when

  Further, according to the first embodiment, the mobile phone use determination unit 121 images the user of the automatic transaction apparatus 100, analyzes the image information of the captured user, and uses the mobile phone during the transfer operation. Determine. Further, the determination unit 222 determines whether or not a call is in progress only when the mobile phone use determination unit 121 determines that the mobile phone is being used. As a result, according to the first embodiment, it is possible to determine with high accuracy whether the mobile phone is in use during the transfer operation by executing both the determination using the image and the determination using whether the call is in progress. Is possible.

  Although the first embodiment has been described so far, the present invention may be implemented in other embodiments in addition to the above-described embodiments. Therefore, other embodiments will be described below.

[mobile phone]
For example, in the first embodiment, a mobile phone has been described as an example of a mobile terminal. However, the present invention is not limited to this, and any electronic device that is carried by a user and has a call function can be used. It may be an electronic device. For example, a PHS, a PDA having a call function, a notebook computer, a portable game machine, or the like may be used.

[Terminal information]
In the first embodiment, the telephone number is described as an example of the terminal information for identifying the mobile phone. However, the present invention is not limited to this example. For example, the line operator uniquely identifies the mobile phone. IP (Internet Protocol) address.

[Account information storage]
In the first embodiment, the center apparatus 200 includes the account information storage unit 211 and the terminal information associated with the transfer source account information is acquired from the account information storage unit 211 and used. However, the present invention is not limited to this, and the center apparatus 200 may not include the account information storage unit 211, and only terminal information manually input by the user may be used.

  For example, when a transfer operation on the automatic transaction apparatus 100 is started by the user, the automatic transaction apparatus 100 acquires a telephone number input by the user and transmits the acquired telephone number to the center apparatus 200. For example, with reference to an example of the confirmation request shown in FIG. 4, the automatic transaction apparatus 100 transmits the confirmation request to the center apparatus 200 after storing the acquired telephone number in the “transfer person telephone number”. The center device 200 determines whether the acquired telephone number is a mobile phone number. If the center device 200 determines that the acquired telephone number is a mobile phone number, the mobile phone identified by the acquired telephone number is busy during a transfer operation. Determine whether.

[Store contact information]
Moreover, although Example 1 demonstrated the example which used the telephone number as a contact address which identifies a shop, this invention is not limited to this, For example, you may use an IP address and a mail address.

[During call determination]
In the first embodiment, the method of determining by calling the mobile phone when determining whether the call is in progress has been described. However, the present invention is not limited to this. For example, the determination unit 222 does not actually call, but transmits a request for confirming whether the corresponding mobile phone is in a call to a line operator that manages the line used by the mobile phone. Good. Then, the determination unit 222 may determine whether a call is in progress using an answer from the line operator, and may determine that the call is in progress when a response indicating that the call is in progress is received, for example.

  In addition, when using a method of confirming with the line operator, as described in the first embodiment, the process for determining whether the mobile phone is busy is not limited to the case where the process is performed during the transfer operation. The determination may be made after the transfer operation is completed. Specifically, the date and time when the transfer operation was performed by the user and the terminal information were transmitted to the line operator, and whether or not the line operator was busy on the date and time when the transfer operation was performed. An answer may be received to determine whether a call is in progress. As a result, even if a telephone call cannot be made during the transfer operation by the user, it is possible to reliably determine whether the call was in progress during the transfer operation.

[Fixed-line phone]
In the first embodiment, the case where the mobile phone number acquisition unit 221 acquires only the mobile phone number has been described. However, the present invention is not limited to this. For example, when the mobile phone number acquisition unit 221 determines that the phone number is a fixed phone number, the mobile phone number is called and the phone information is sent to the person who responds to the responding person. May be.

[Combination of Examples]
In the first embodiment, the case where the technique corresponding to the call waiting control and the technique for executing the image determination by the mobile phone use determination unit 121 are executed are described. However, the present invention is not limited to this. For example, only one of the methods corresponding to call waiting control or the method of executing image determination by the mobile phone use determination unit 121 may be executed together, or may not be executed at the same time. .

[System configuration]
In addition, among the processes described in the present embodiment, all or a part of the processes described as being automatically performed can be manually performed. For example, an administrator who manages the automatic transaction apparatus 100 may manually execute a process for warning a transfer fraud by the warning processing unit 124.

  In addition, the processing procedures, control procedures, specific names, and information including various data and parameters (FIGS. 1 to 16) shown in the document and drawings are arbitrarily changed unless otherwise specified. be able to. For example, in the processing procedure illustrated in FIG. 2, for example, the order in which the image determination process in step S102 and the transaction confirmation process in step S103 are performed may be reversed. The center apparatus 200 may execute the image determination process in step S102 and the transaction confirmation process in step S103, and the automatic transaction apparatus 100 may execute the mobile phone number acquisition process in step S105 and the busy determination process in step S106. May be executed.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured.

  For example, if it demonstrates using the example shown in FIG. 3, arrangement | positioning and a structure of each part in the automatic transaction apparatus 100 or the center apparatus 200 are not limited to the example shown in FIG. For example, some or all of the units in the center apparatus 200 shown in FIG. 3 may be arranged in the automatic transaction apparatus 100. Moreover, you may arrange | position in the center apparatus 200 about a part or all of the structure in the automatic transaction apparatus 100 shown in FIG.

[Computer]
The various processes described in the above embodiments can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. Therefore, in the following, an example of a computer that executes a transaction processing program having the same function as in the above embodiment will be described.

  As shown in FIG. 17A, an automatic transaction apparatus computer 3000 includes an operation unit 3001, a microphone 3002, a speaker 3003, a display 3005, a communication unit 3006, a CPU (Central Processing Unit) 3010, a ROM (Read Only Memory) 3011, An HDD (Hard Disk Drive) 3012 and a RAM (Random Access Memory) 3013 are connected by a bus 3009 or the like. FIG. 17A is a schematic diagram illustrating an example of a computer that executes the automatic transaction apparatus program according to the first embodiment.

  The ROM 3011 has a control program that exhibits the same functions as the mobile phone use determination unit 121, the transaction status confirmation unit 122, the confirmation request transmission unit 123, and the warning processing unit 124 described in the first embodiment, that is, As illustrated in FIG. 17A, a mobile phone use determination program 3011a, a transaction status confirmation program 3011b, a confirmation request transmission program 3011c, and a warning processing program 3011d are stored in advance. In addition, about these programs 3011a-3011d, you may integrate or isolate | separate suitably like each component of the automatic transaction apparatus 100 shown in FIG.

  Then, the CPU 3010 reads out these programs 3011a to 3011d from the ROM 3011 and executes them, so that as shown in FIG. 17A, for each program 3011a to 3011d, a mobile phone use determination process 3010a and a transaction status confirmation process 3010b, a confirmation request transmission process 3010c, and a warning processing process 3010d. Each process 3010a to 3010d corresponds to the mobile phone use determination unit 121, the transaction status confirmation unit 122, the confirmation request transmission unit 123, and the warning processing unit 124 illustrated in FIG.

  Then, the CPU 3010 executes the automatic transaction apparatus program by using the confirmation request data 3013a and the warning information data 3013b stored in the RAM 3013.

  Also, as shown in FIG. 17B, the center device computer 4000 in the first embodiment is configured by connecting a communication unit 4006, a CPU 4010, a ROM 4011, an HDD 4012, and a RAM 4013 via a bus 4009 or the like. FIG. 17-2 is a schematic diagram illustrating an example of a computer that executes the center device program according to the first embodiment.

  The ROM 4011 has a control program that performs the same functions as the mobile phone number acquisition unit 221, the determination unit 222, and the warning transmission unit 223 described in the first embodiment, that is, as illustrated in FIG. A mobile phone number acquisition program 4011a, a determination program 4011b, and a warning transmission program 4011c are stored in advance. Note that these programs 4011a to 4011c may be appropriately integrated or separated as in the case of each component of the center apparatus 200 shown in FIG.

  Then, the CPU 4010 reads these programs 4011a to 4011c from the ROM 4011 and executes them, so that as shown in FIG. 17-2, for each program 4011a to 4011c, a mobile phone number acquisition process 4010a, a determination process 4010b, , And functions as a warning transmission process 4010c. Each process 4010a to 4010c corresponds to the mobile phone number acquisition unit 221, the determination unit 222, and the warning transmission unit 223 shown in FIG.

  The HDD 4012 is provided with an account information table 4012a, a telephone number feature table 4012b, a store information table 4012c, and a response sound table 4012d. Each table 4012a to 4012d corresponds to the account information storage unit 211, the telephone number feature storage unit 212, and the store information storage unit 213 shown in FIG.

  Then, the CPU 4010 reads out the account information table 4012a, the telephone number feature table 4012b, and the store information table 4012c and stores them in the RAM 4013. The account information data 4013a, the phone number feature data 4013b stored in the RAM 4013, the store The center device program is executed using the information data 4013c, the response sound data 4013d, the confirmation request data 4013e, and the warning information data 4013f.

[Others]
Note that the transaction processing program described in the present embodiment may be distributed via a network such as the Internet. Further, the transaction processing program can be executed by being recorded on a computer-readable recording medium such as a hard disk, a flexible disk (FD), a CD-ROM, an MO, and a DVD and being read from the recording medium by the computer.

  The following supplementary notes are further disclosed with respect to the embodiments including the above examples.

(Supplementary note 1) When a transfer operation for an automatic transaction apparatus is started by a user, a number acquisition unit that acquires terminal information that is information specified by the transfer operation and identifies the mobile terminal of the user;
An automatic transaction apparatus comprising: a determination unit that determines whether the mobile terminal is in a call during a transfer operation for the mobile terminal identified by the terminal information acquired by the number acquisition unit .

(Supplementary Note 2) A storage unit that stores terminal information that identifies a mobile terminal of a user who uses the deposit account in association with the deposit account,
When the transfer operation for the automatic transaction apparatus is started by the user, the number acquisition unit identifies a deposit account that is a transfer source specified by the transfer operation, and stores terminal information associated with the identified deposit account. The automatic transaction apparatus according to appendix 1, which is acquired from the storage unit.

(Supplementary Note 3) The determination unit transmits a call request to the mobile terminal identified by the terminal information acquired by the number acquisition unit before the transfer operation by the user is completed. The automatic transaction apparatus according to appendix 2, wherein during response to the transfer operation, it is determined whether a call is in progress using response sound information received from a mobile terminal that is a destination of the call.

(Additional remark 4) The said determination part determines whether it is during the call waiting control which can be made to receive when it receives from the other party during a call using the response sound information received from the mobile terminal which becomes a transmission destination of a call request The automatic operation according to appendix 3, further comprising a warning unit that outputs voice information to warn a transfer fraud to the mobile terminal that is the destination of the call request when it is determined that the call waiting control is in progress. Trading device.

(Additional remark 5) The imaging part which images the user of the said automatic transaction apparatus,
An image determination unit that analyzes image information of a user imaged by the imaging unit and determines whether the user holds a mobile terminal; and
The determination unit determines whether or not a call is in progress when the image determination unit determines that a mobile terminal is held. Automatic transaction device.

(Supplementary Note 6) A storage unit that stores terminal information that identifies a mobile terminal of a user who uses the deposit account in association with the deposit account;
When the transfer operation for the automatic transaction apparatus is started by the user, the account information for identifying the deposit account as the transfer source designated by the transfer operation is acquired from the automatic transaction apparatus, and is identified by the acquired account information. A number acquisition unit for acquiring terminal information associated with a deposit account from the storage unit;
A center device comprising: a determination unit that determines whether the mobile terminal is in a call during a transfer operation for the mobile terminal identified by the terminal information acquired by the number acquisition unit.

(Supplementary note 7) A transaction processing system having an automatic transaction apparatus and a center apparatus,
The automatic transaction apparatus is
A storage unit that stores terminal information that identifies a mobile terminal of a user who uses the deposit account in association with the deposit account;
When the transfer operation for the automatic transaction apparatus is started by the user, the deposit account as the transfer source designated by the transfer operation is identified, and the terminal information associated with the identified deposit account is acquired from the storage unit. A number acquisition unit;
With
The center device is
When the terminal information acquired by the number acquisition unit is acquired from the automatic transaction apparatus, the mobile terminal identified by the acquired terminal information is determined to determine whether the mobile terminal is busy during a transfer operation A transaction processing system characterized by comprising a department.

(Appendix 8) When a transfer operation to the automatic transaction apparatus is started by the user, a deposit account that is a transfer source designated by the transfer operation is identified, and terminal information associated with the identified deposit account is A number acquisition step for acquiring from a storage unit for storing terminal information for identifying a mobile terminal of a user who uses the deposit account in association with an account;
An automatic transaction method comprising: a determination step of determining whether the mobile terminal is in a call during a transfer operation for the mobile terminal identified by the terminal information acquired by the number acquisition step.

DESCRIPTION OF SYMBOLS 100 Automatic transaction apparatus 101 Input part 102 Output part 120 ATM side control part 121 Mobile phone use determination part 122 Transaction status confirmation part 123 Confirmation request transmission part 124 Warning processing part 200 Center apparatus 210 Center apparatus side storage part 211 Account information storage part 212 Telephone number feature storage unit 213 Store information storage unit 214 Response sound information storage unit 220 Center device side control unit 221 Mobile phone number acquisition unit 222 Determination unit 223 Warning transmission unit 300 Network

Claims (7)

When a transfer operation for an automatic transaction apparatus is started by a user, a number acquisition unit that acquires terminal information that is information specified by the transfer operation and identifies the user's mobile terminal;
By transmitting a call request to the mobile terminal identified by the terminal information acquired by the number acquisition unit before the transfer operation by the user is completed, the mobile terminal makes a call during the transfer operation. An automatic transaction apparatus comprising: a determination unit that determines whether the medium is in the middle. A storage unit that stores terminal information that identifies a mobile terminal of a user who uses the deposit account in association with the deposit account;
When the transfer operation for the automatic transaction apparatus is started by the user, the number acquisition unit identifies a deposit account that is a transfer source specified by the transfer operation, and stores terminal information associated with the identified deposit account. The automatic transaction apparatus according to claim 1, wherein the automatic transaction apparatus is acquired from the storage unit.   The determination unit transmits a call request to the mobile terminal identified by the terminal information acquired by the number acquisition unit before the transfer operation by the user is completed. The automatic transaction apparatus according to claim 2, wherein it is determined during a transfer operation whether or not a call is in progress using response sound information received from a mobile terminal. The determination unit uses the response sound information received from the mobile terminal that is the destination of the call request to determine whether the call waiting is being controlled when receiving a call from another party during a call, 4. The automatic transaction apparatus according to claim 3, further comprising a warning unit that outputs voice information to warn a transfer fraud to a mobile terminal that is a destination of a call request. A storage unit that stores terminal information that identifies a mobile terminal of a user who uses the deposit account in association with the deposit account;
When the transfer operation for the automatic transaction apparatus is started by the user, the account information for identifying the deposit account as the transfer source designated by the transfer operation is acquired from the automatic transaction apparatus, and is identified by the acquired account information. A number acquisition unit for acquiring terminal information associated with a deposit account from the storage unit;
By transmitting a call request to the mobile terminal identified by the terminal information acquired by the number acquisition unit before the transfer operation by the user is completed, the mobile terminal makes a call during the transfer operation. A center apparatus comprising: a determination unit that determines whether the medium is in the middle. A transaction processing system having an automatic transaction apparatus and a center apparatus,
The automatic transaction apparatus is
A storage unit that stores terminal information that identifies a mobile terminal of a user who uses the deposit account in association with the deposit account;
When the transfer operation for the automatic transaction apparatus is started by the user, the deposit account as the transfer source designated by the transfer operation is identified, and the terminal information associated with the identified deposit account is acquired from the storage unit. A number acquisition unit;
With
The center device is
When the terminal information acquired by the number acquisition unit is acquired from the automatic transaction apparatus , a call request is transmitted to the mobile terminal identified by the acquired terminal information before the transfer operation by the user is completed. Thus , a transaction processing system comprising a determination unit that determines whether the mobile terminal is busy during a transfer operation. When the transfer operation for the automatic transaction apparatus is started by the user, the deposit account as the transfer source designated by the transfer operation is identified, and the terminal information associated with the identified deposit account is associated with the deposit account. A number obtaining step for obtaining from a storage unit for storing terminal information for identifying a mobile terminal of a user who uses the deposit account;
By transmitting a call request to the mobile terminal identified by the terminal information acquired by the number acquisition step before the transfer operation by the user is completed, the mobile terminal can make a call during the transfer operation. An automatic transaction method, comprising: a determination step for determining whether the medium is in the middle.

Images