JPH07210725A - Automatic teller machine with dealing operation monitoring function - Google Patents
Automatic teller machine with dealing operation monitoring functionInfo
- Publication number
- JPH07210725A JPH07210725A JP2205194A JP2205194A JPH07210725A JP H07210725 A JPH07210725 A JP H07210725A JP 2205194 A JP2205194 A JP 2205194A JP 2205194 A JP2205194 A JP 2205194A JP H07210725 A JPH07210725 A JP H07210725A
- Authority
- JP
- Japan
- Prior art keywords
- transaction
- customer
- illegal
- action
- dealing
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000012544 monitoring process Methods 0.000 title claims description 17
- 238000001514 detection method Methods 0.000 claims abstract description 27
- 230000000694 effects Effects 0.000 claims description 29
- 230000002265 prevention Effects 0.000 claims description 3
- 238000004806 packaging method and process Methods 0.000 description 18
- 238000012545 processing Methods 0.000 description 7
- 238000003780 insertion Methods 0.000 description 4
- 230000037431 insertion Effects 0.000 description 4
- 238000007599 discharging Methods 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- 238000000034 method Methods 0.000 description 2
- 238000004891 communication Methods 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
【０００１】[0001]
【産業上の利用分野】この発明は、例えば金融機関で取
扱われる自動両替機のような自動取引機に関し、さらに
詳しくは取引時の不正行為を未然に解消する取引操作監
視機能付き自動取引機に関する。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction machine such as an automatic money changer handled by a financial institution, and more particularly to an automatic transaction machine with a transaction operation monitoring function that eliminates fraudulent acts during transactions. .
【０００２】[0002]
【従来の技術】一般に、この種の自動取引機は、装置本
体の前面に装備される接客操作部に顧客が所望の取引項
目を入力操作して自動取引している。例えば、両替取引
や出金取引の場合、接客操作部の貨幣取出し口は、シャ
ッタで閉鎖されており、貨幣放出時のみ、開口して貨幣
の取出しを許容している。2. Description of the Related Art Generally, in this type of automatic transaction machine, a customer inputs a desired transaction item into a customer service section mounted on the front surface of an apparatus body for automatic transaction. For example, in the case of a currency exchange transaction or a withdrawal transaction, the currency outlet of the customer service operation unit is closed by a shutter, and only when the currency is released, the currency is allowed to be withdrawn.
【０００３】このときのシャッタの開閉動作は、貨幣が
抜取られるまで開口待機し、貨幣が抜取られると、抜取
り検知センサの検知信号に基づいてシャッタを閉鎖して
いるが、貨幣を抜取った後に、その取出し部に、さらに
不正な貨幣取出し追及行為が試みられることがある。こ
れは、シャッタがスライドして閉鎖方向に移動する閉動
作時に、顧客が故意にシャッタの閉鎖動作を妨害して装
置をダウンさせ、虚偽の申告をして不正する等の悪質な
不正行為が計画的になされる場合があった。The opening and closing operation of the shutter at this time waits for the opening until the coin is taken out, and when the coin is taken out, the shutter is closed based on the detection signal of the taking-out detection sensor, but after the coin is taken out. , There is a case where an illegal fraudulent money pursuit is attempted in the ejection section. This is due to a malicious misconduct such as a customer intentionally disturbing the shutter closing operation, causing the device to go down during the closing operation in which the shutter slides and moves in the closing direction, making false declarations and cheating. There were times when it was done.
【０００４】したがって、取引操作時に、顧客の不審な
行動を検知した場合は、その顧客に注意を促す警告メッ
セージを報知案内して、顧客の不正行為を未然に防止す
る監視機能を持たせた自動取引機が知られている。Therefore, when a suspicious behavior of a customer is detected during a transaction operation, an automatic warning function is provided to notify the customer of a warning message to warn the customer and prevent a customer's fraudulent activity. Transaction machines are known.
【０００５】しかし、このような自動取引機は、顧客に
警告を与えるだけで、その不正行為を完全に阻止した
り、係員や店員にその旨を察知させることができず、計
画的な不正行為を完全に防止し難く、また不慣れな顧客
が誤入力操作等により長時間、自動取引機を占有してい
る場合も的確に対処できない問題を有していた。[0005] However, such an automatic transaction machine cannot completely prevent a fraudulent act by giving a warning to a customer, or cannot let a clerk or a store clerk know the fact, so that a fraudulent act is planned. There is a problem that it is difficult to completely prevent the problem, and even when an unfamiliar customer occupies the automated teller machine for a long time due to an erroneous input operation or the like, it cannot be dealt with properly.
【０００６】[0006]
【発明が解決しようとする課題】そこでこの発明は、取
引操作時に、顧客の取引不審行為を検知した時点で、そ
の顧客の取引不審行為を阻止して不正行為を防止する取
引操作監視機能付き自動取引機の提供を目的とする。SUMMARY OF THE INVENTION Therefore, the present invention is directed to an automatic transaction operation monitoring function for preventing a suspicious activity of a customer by preventing the suspicious activity of the customer when a suspicious activity of the customer is detected during a transaction operation. The purpose is to provide a transaction machine.
【０００７】[0007]
【課題を解決するための手段】この発明は、装置本体の
前面に装備される接客操作部に入力操作して自動取引す
る自動取引機であって、上記入力操作時に、取引操作す
る顧客の取引不審行為を検知する検知手段と、この検知
手段が顧客の取引不審行為を検知したとき、顧客の取引
不審行為を阻止させる取引不審行為防止手段を備えた取
引操作監視機能付き自動取引機であることを特徴とす
る。SUMMARY OF THE INVENTION The present invention is an automatic transaction machine for automatically performing transactions by performing an input operation on a customer service section mounted on the front surface of a main body of an apparatus. An automatic transaction machine with a transaction operation monitoring function that has a detection means for detecting suspicious activity and a transaction suspicious activity prevention means for preventing the transaction suspicious activity of the customer when this detection means detects a transaction suspicious activity of the customer. Is characterized by.
【０００８】また、検知手段は、入力操作時に取引操作
に伴って放出された取引媒体の取出し完了を検知する第
１検知手段と、この第１検知手段が取引媒体の取出し完
了を検知した後に、同取出し部に対する取引媒体の取出
し追及行為が試みられたことを検知する第２検知手段と
を備えたことを特徴とする。Further, the detecting means detects the completion of taking out the trading medium released along with the trading operation at the time of the input operation, and, after the first detecting means detects the taking out completion of the trading medium, Second detection means for detecting that an attempt is made to take out the transaction medium from the taking-out section.
【０００９】[0009]
【作用】この発明によれば、顧客が入力操作して自動取
引する取引操作時に、検知手段が顧客の取引不審行為を
検知すると、この検知信号に基づいて取引不審行為防止
手段が顧客の取引不審行為を直ちに阻止させる。According to the present invention, when the detecting operation detects the transaction suspicious activity of the customer during the transaction operation in which the customer inputs the transaction automatically, the transaction suspicious activity preventing means detects the transaction suspicious activity of the customer based on the detection signal. Stop the action immediately.
【００１０】また、顧客の取引操作に伴って放出された
取引媒体の取出し完了を第１検知手段が検知し、この検
知完了後に、同取出し部に対する不正な取引媒体の取出
し追及行為が試みられたことを第２検知手段が検知し、
これに基づいて取引不審行為の有無を検知する。Further, the first detection means detects the completion of taking out the transaction medium released in accordance with the transaction operation by the customer, and after the completion of the detection, an attempt is made to take out an illegal transaction medium for the taking-out section. The second detection means detects that,
The presence or absence of transaction suspicious activity is detected based on this.
【００１１】[0011]
【発明の効果】このように、取引操作時に取引不審行為
を検知することに基づいて、その行為を直ちに阻止する
ことができる。このため、不正行為を完全に阻止でき、
また係員や店員にその旨を察知させて適切に対処するこ
とができ、さらに計画的な不正行為を確実に防止して信
頼性の高い自動取引を維持できる。As described above, based on the detection of the transaction suspicious activity during the transaction operation, the transaction can be immediately stopped. Therefore, it is possible to completely prevent fraud,
Further, it is possible to make the staff member or the store staff aware of that fact and take appropriate measures, and it is possible to reliably prevent planned fraudulent activities and maintain highly reliable automated transactions.
【００１２】また、取引媒体の取出しを検知確認した場
合は、その時点で１つの取引が自動的に完了するため、
その後の取引媒体の取出し追及行為が試みられた場合
は、直ちに不正行為発生と検知して断定することができ
る。When the removal of the transaction medium is detected and confirmed, one transaction is automatically completed at that time.
If an attempt is made to take out the transaction medium after that, it can be immediately determined that a fraudulent act has occurred and affirmed.
【００１３】さらに、不慣れな顧客が誤入力操作等によ
り長時間、自動取引機を占有するような場合にも、この
取引不審行為を検知して直ちに係員対処することができ
る。Further, even when an unfamiliar customer occupies the automatic transaction machine for a long time due to an erroneous input operation, this transaction suspicious activity can be detected and the staff can immediately take a countermeasure.
【００１４】[0014]
【実施例】この発明の一実施例を以下図面に基づいて詳
述する。図１は金融機関に設置される取引操作監視機能
付き自動両替機を示し、この取引操作監視機能付き自動
両替機は、装置本体１１の上部前面の接客パネル１２
に、両替取引きを行う旨を表示した取扱い表示器１３
と、タッチ入力兼用のタッチ入力表示器１４と、カード
挿入口１５と、紙幣挿入口１６と、バラ硬貨放出口１７
と、包装硬貨放出口１８と、紙幣放出口１９と、音声案
内部２０および係員呼出しボタン２１とを備えて接客対
応する。DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. FIG. 1 shows an automatic money changer with a transaction operation monitoring function installed in a financial institution. This automatic money changer with a transaction operation monitoring function is a customer service panel 12 on the upper front of a device body 11.
The handling indicator 13 that indicates that the exchange transaction will be performed
, A touch input / display unit 14 which also serves as a touch input, a card insertion slot 15, a bill insertion slot 16 and a loose coin ejection slot 17
A packaging coin discharge port 18, a bill discharge port 19, a voice guidance unit 20, and an attendant call button 21 are provided for customer service.
【００１５】上述のタッチ入力表示器１４は、両替操作
手順を表示案内する表示案内機能と、その表示案内され
た表示キーに対応する透明接点スイッチを備えてタッチ
入力許容しており、ここにタッチ入力して所望の両替取
引項目を指定することにより、所望の両替取引がなされ
る。The above-mentioned touch input indicator 14 is provided with a display guide function for displaying and guiding the exchange operation procedure and a transparent contact switch corresponding to the display key for which the display is guided, and allows touch input. By inputting and designating the desired exchange transaction item, the desired exchange transaction is performed.
【００１６】この場合、包装硬貨放出口１８は、図２に
示すように、上面をスライド式に開閉動作するシャッタ
１８ａで覆っており、取引操作に伴って、この包装硬貨
放出口１８に包装硬貨２２が放出される。この放出され
た包装硬貨２２を顧客が取出した時、包装硬貨２２の重
さ変動を検知する包装硬貨取出し検知センサＳ1 が検知
確認し、この検知信号に基づいて包装硬貨２２が取出さ
れたことを検知する。In this case, as shown in FIG. 2, the packaging coin discharge port 18 has its upper surface covered with a shutter 18a that opens and closes in a sliding manner, and in accordance with the transaction operation, the packaging coin discharge port 18 is packed with coins. 22 is released. When the customer takes out the released packaging coin 22, the packaging coin take-out detection sensor S1 for detecting the weight variation of the packaging coin 22 detects and confirms that the packaging coin 22 is taken out based on this detection signal. Detect.
【００１７】また、紙幣放出口１９は、図３に示すよう
に、上面をスライド式に開閉動作するシャッタ１９ａで
覆っており、取引操作に伴って、この紙幣放出口１９に
紙幣３１が放出される。この放出された紙幣３１を顧客
が外部に取出した時、これを透過型の紙幣取出し検知セ
ンサＳ2 が検知確認し、この検知信号に基づいて紙幣３
１が取出されたことを検知する。Further, as shown in FIG. 3, the bill outlet 19 is covered with a shutter 19a which is opened and closed in a sliding manner, and the bill 31 is discharged to the bill outlet 19 in accordance with a transaction operation. It When the customer takes out the discharged bills 31 to the outside, the transparent bill take-out detection sensor S2 detects and confirms this, and based on this detection signal, the bills 3
It is detected that 1 is taken out.
【００１８】図４は取引操作監視機能付き自動両替機の
制御回路ブロック図を示し、ＣＰＵ４１はＲＯＭ４２に
格納されたプログラムに沿って各回路装置を制御し、そ
の制御データをＲＡＭ４３で読出し可能に記憶する。FIG. 4 shows a control circuit block diagram of the automatic money changer with a transaction operation monitoring function. The CPU 41 controls each circuit device according to a program stored in the ROM 42, and the control data is stored in the RAM 43 so that it can be read out. To do.
【００１９】ＣＰＵ４１で制御される通信処理部４４
は、監視モニタ４５に接続して、両替取引時の両替不審
行為発生等のデータを出力して係員に知らせる。この場
合、監視モニタ４５は金融機関店舗内の係員が監視可能
な位置に配設している。A communication processing unit 44 controlled by the CPU 41
Is connected to the monitoring monitor 45 and outputs data such as occurrence of suspicious exchange change at the time of exchange transaction to notify the staff. In this case, the monitoring monitor 45 is arranged at a position where an employee in the financial institution store can monitor.
【００２０】また、硬貨処理部４６は、両替操作時に顧
客が指定した両替入力データに基づいて、該データ内容
に応じたバラ硬貨の金種および数量を特定してバラ硬貨
放出口１７より放出処理し、また包装硬貨の場合は、そ
の金種および数量を特定して包装硬貨放出口１８より放
出処理する。Further, the coin processing unit 46 specifies the denomination and the quantity of the loose coin according to the content of the exchange based on the exchange input data designated by the customer at the time of the exchange operation, and performs the release process from the loose coin outlet 17. In the case of packaged coins, the denomination and quantity of the packaged coins are specified and the coins are discharged from the packaged coin discharge port 18.
【００２１】同じく紙幣処理部４７は、両替操作時に投
入された元金紙幣を紙幣挿入口１６より取込み処理し、
またこの元金紙幣に対する入力設定データに基づいて、
該データ内容に応じた両替希望する紙幣を紙幣放出口１
９より放出処理する。Similarly, the bill processing unit 47 takes in the original bill inserted at the time of the exchange operation from the bill insertion slot 16,
Also, based on the input setting data for this principal bill,
A banknote outlet 1 for banknotes desired to be exchanged according to the contents of the data.
Release treatment from 9.
【００２２】さらに、カード処理部４８は、カード挿入
口１５に挿入されたカードの有効データを読取り、取引
成立後に減額記録して返却する。また、シャッタ開閉部
４９は、両替操作時に放出対応する包装硬貨放出口１８
のシャッタ１８ａおよび紙幣放出口１９のシャッタ１９
ａを開閉処理する。Further, the card processing section 48 reads the valid data of the card inserted into the card insertion slot 15, records the reduced amount after the transaction is completed, and returns it. Further, the shutter opening / closing part 49 is provided with a packaging coin discharge port 18 corresponding to the discharge during the exchange operation.
Shutter 18a and the shutter 19 of the bill outlet 19
Open and close a.
【００２３】ところで、ＣＰＵ４１は取引成立して取出
した包装硬貨２２や紙幣３１の取出し完了後は、一両替
取引が終了したと判定して、対応するシャッタ１８ａ，
１９ａを閉じている。この場合、図５に示すように、顧
客の安全性を考慮して、貨幣の取出し操作時に、閉動作
するシャッタ１９ａが顧客の手５１や異物に当って閉動
作が一時的に阻害されると、このシャッタ１９ａは閉動
作を中止し、逆向きの開方向にスライド移動して待機
し、一定時間後に再び閉動作するシャッタ安全機構（図
面省略）が備えられている。By the way, the CPU 41 determines that the currency exchange transaction has been completed after the completion of taking out the packaging coins 22 and the banknotes 31 that have been taken out after the transaction is completed, and the corresponding shutter 18a,
19a is closed. In this case, as shown in FIG. 5, in consideration of the safety of the customer, when the shutter 19a that closes hits the customer's hand 51 or a foreign object during the operation of taking out money, the closing operation is temporarily hindered. The shutter 19a is provided with a shutter safety mechanism (not shown) that stops the closing operation, slides in the opposite opening direction, waits, and closes again after a fixed time.
【００２４】ところが、このシャッタ安全機構を逆用し
て不正行為が行われた場合、例えば紙幣の取出しが終了
して、最後にシャッタ１９ａが閉鎖するときに、シャッ
タ１９ａの閉動作を阻害して紙幣放出口１９を開口維持
させた状態で、この紙幣放出口１９から、さらに取出せ
ないかと紙幣の取出し追及行為が試みられた場合、この
不正な行為を監視モニタ４５で係員に知らせて顧客の取
引不審行為を直ちに阻止させる。However, if the shutter safety mechanism is used in reverse and fraudulent acts are performed, for example, when the shutter 19a is closed at the end when the bills have been taken out, the closing operation of the shutter 19a is obstructed. In the state where the bill outlet 19 is maintained open, when an attempt is made to take out a bill from the bill outlet 19 so as to further take out the bill, the monitoring monitor 45 notifies the staff member of this illegal act, and the transaction of the customer. Stop suspicious activity immediately.
【００２５】また、このときの取引不審行為の検知に際
しては、放出された紙幣３１を顧客が外部に取出した
時、これを紙幣取出し検知センサＳ2 が検知確認し、そ
の後に紙幣放出口１９に対する紙幣の取出し追及行為が
試みられた時、その顧客の手５１を同じく紙幣取出し検
知センサＳ2 が検知確認することで、ＣＰＵ４１は取引
不審行為発生と判定する。Further, in detecting the transaction suspicious activity at this time, when the discharged bill 31 is taken out by the customer, the bill take-out detection sensor S2 detects and confirms the bill, and then the bill to the bill discharge port 19 is detected. When an attempt is made to take out the bill, the CPU 41 determines that the transaction suspicious action has occurred by detecting and confirming the hand 51 of the customer by the bill take-out detection sensor S2.
【００２６】さらに詳しくは、閉動作が阻害されたとき
の各シャッタ１８ａ，１９ａのリトライ動作回数は、係
員によって予め定めた任意のリトライ動作回数に設定し
ておき、両替取引時に、この設定回数を越えたとき、Ｃ
ＰＵ４１は取引不審行為の発生と判定する。また、同一
金種を何回も連続して両替するような不審な行為があっ
た場合も、ＣＰＵ４１は取引不審行為の発生と判定す
る。また、取引不審行為客の他に、不慣れな顧客が誤入
力操作等により長時間、自動取引機を占有するような場
合にも、この取引不審行為を検知して、直ちに係員対処
することができ、自動両替機がダウンする前に顧客の動
作を中止させることができる。More specifically, the number of retry operations of each shutter 18a, 19a when the closing operation is obstructed is set to an arbitrary number of retry operations predetermined by a staff member, and this set number is set at the time of exchange transaction. When crossed, C
The PU 41 determines that a transaction suspicious activity has occurred. Also, when there is a suspicious act of continuously exchanging the same denomination many times, the CPU 41 determines that a transaction suspicious act has occurred. In addition to customers who are suspicious of transactions, even when an unfamiliar customer occupies the automated teller machine for a long time due to erroneous input operation, etc., this suspicious transaction can be detected and the staff can immediately deal with it. The customer's operation can be stopped before the automatic money changer goes down.
【００２７】このため、取引不審行為を完全に阻止する
ことができ、また取引不審行為発生時には係員や店員に
その旨を察知させて適切に対処することができ、信頼性
の高い両替取引を維持できる。Therefore, the transaction suspicious activity can be completely prevented, and when the transaction suspicious activity occurs, the staff and the store staff can be informed accordingly and appropriately deal with it, and the highly reliable exchange transaction can be maintained. it can.
【００２８】このように構成された取引操作監視機能付
き自動両替機の両替動作を図６のフローチャートを参照
して説明する。今、顧客が両替要請する所望の入力操作
を施して両替取引が成立すると、ＣＰＵ４１は両替要請
された包装硬貨２２／紙幣３１の所望金種を所定枚数放
出する。このとき、紙幣が取扱われた場合は、両替され
た複数枚の紙幣を紙幣放出口１９に一括放出し、この放
出動作と共に、シャッタ１９ａを開口して紙幣の取出し
を許容する（ステップｎ1 ）。The currency exchange operation of the automatic currency exchange machine with the transaction operation monitoring function configured as described above will be described with reference to the flowchart of FIG. When the customer performs the desired input operation for requesting the exchange and the exchange transaction is completed, the CPU 41 releases a predetermined number of desired denominations of the packaging coin 22 / banknote 31 for which the exchange is requested. At this time, when the banknotes are handled, the exchanged plurality of banknotes are collectively discharged to the banknote discharge port 19, and at the same time as the discharging operation, the shutter 19a is opened to allow the banknotes to be taken out (step n1).
【００２９】この放出された紙幣３１…が顧客により抜
取られると、これを検知する紙幣取出し検知センサＳ2
の検知信号に基づいてＣＰＵ４１はシャッタ１９ａを閉
鎖動作し（ステップｎ2 〜ｎ3 ）、このシャッタの閉動
作が完了すると、支障のない適正な両替操作が実行され
たと判定して一両替取引が終了する（ステップｎ4 ）。When the discharged bills 31 ... Are taken out by the customer, a bill take-out detection sensor S2 for detecting this is detected.
The CPU 41 closes the shutter 19a based on the detection signal (steps n2 to n3). When the closing operation of the shutter is completed, it is determined that a proper money-changing operation without any trouble has been executed, and the money-changing transaction ends. (Step n4).
【００３０】ところが、このシャッタ１９ａの閉鎖時
に、閉鎖完了せずにリトライ動作を繰返した場合は、予
め設定されたリトライ設定回数と比較判定し、設定回数
以上と判定すれば、故意にシャッタ１９ａの閉動作を阻
害していると判定して、ＣＰＵ４１は監視モニタ４５に
警告メッセージを出力し、係員にその旨を知らせて直ち
に取引不審行為を中断させる（ステップｎ5 〜ｎ6 ）。However, if the retry operation is repeated without closing the shutter 19a when the shutter 19a is closed, a comparison is made with a preset number of times of retry setting. When the CPU 41 determines that the closing operation is hindered, the CPU 41 outputs a warning message to the monitoring monitor 45, notifies the staff member of the fact, and immediately suspends the suspicious transaction (steps n5 to n6).
【００３１】この取引不審行為が一定時間経過しても、
中断し得なかった場合は、この自動両替機をダウンして
取引中止させる（ステップｎ7 〜ｎ8 ）。Even if this transaction suspicious activity has passed for a certain period of time,
If it cannot be interrupted, the automatic money changer is downed to stop the transaction (steps n7 to n8).
【００３２】また、シャッタ１９ａの閉鎖時に、１〜２
回程度の予め設定されたリトライ設定回数以下のリトラ
イ動作であれば、故意でないと判定して、ＣＰＵ４１は
シャッタ１９ａの閉動作を実行させる（ステップｎ9
）。When the shutter 19a is closed, 1-2
If it is a retry operation less than or equal to a preset number of times of retry setting, the CPU 41 determines that it is unintentional and executes the closing operation of the shutter 19a (step n9).
).
【００３３】次に、特定パターンの両替操作が繰返し実
行された時の処理動作を図７のフローチャートを参照し
て説明する。今、特定パターンの両替取引が繰返し実行
された場合、ＣＰＵ４１はその特定パターンの両替操作
回数を計数し、この特定パターンが予め設定された警告
出力回数に達したか否かを判定し（ステップｎ11〜ｎ1
3）、警告出力回数に達すると、ＣＰＵ４１は同種類の
両替操作を何度も繰返して行う不審な行為と判定して、
監視モニタ４５に警告メッセージを出力し、係員にその
旨を知らせて直ちに取引不審行為を中断させる。これに
より、取引不審行為を防止できると共に、不慣れな一人
の顧客が自動両替機を長時間占有しなくなる（ステップ
ｎ14）。Next, the processing operation when the exchange operation of the specific pattern is repeatedly executed will be described with reference to the flowchart of FIG. When the exchange transaction of the specific pattern is repeatedly executed, the CPU 41 counts the number of exchange operations of the specific pattern and determines whether or not the specific pattern has reached the preset warning output number (step n11). ~ N1
3) When the number of warning outputs is reached, the CPU 41 determines that it is a suspicious act of repeatedly performing the same type of exchange operation,
A warning message is output to the monitor 45 to notify the staff member of that fact and immediately suspend the suspicious transaction. This prevents suspicious transactions and prevents an unfamiliar customer from occupying the automatic money changer for a long time (step n14).
【００３４】また、特定パターンの両替操作が２〜３回
程度の予め設定された設定回数以下であれば、故意でな
いと判定して同一の両替取引操作を許容する（ステップ
ｎ15）。If the number of exchange operations of the specific pattern is less than the preset number of times of about 2 to 3, it is determined to be unintentional and the same exchange transaction operation is permitted (step n15).
【００３５】上述のように、取引操作時に取引不審行為
を検知することに基づいて、その行為を直ちに阻止する
ことができるため、不正行為を完全に阻止でき、また係
員や店員にその旨を察知させて適切に対処することがで
き、さらに計画的な不正行為を確実に防止して信頼性の
高い自動取引を維持することができる。また、包装硬貨
や紙幣の取出しを検知確認した場合は、その時点で１つ
の取引が自動的に完了するため、この完了後に放出口に
対して包装硬貨や紙幣の取出し追及行為が試みられた場
合は、直ちに不正行為の発生と検知して断定することが
できる。As described above, based on the detection of a transaction suspicious activity at the time of transaction operation, the transaction can be immediately blocked, so that the fraudulent activity can be completely blocked, and the clerk or the store clerk can be informed accordingly. Therefore, it is possible to reliably prevent planned fraud and maintain reliable automated transactions. In addition, when the removal of packaging coins or banknotes is detected and confirmed, one transaction is automatically completed at that time, so if an attempt is made to remove the packaging coins or banknotes from the outlet after completion of this transaction. Can immediately detect the occurrence of fraudulent activity and make a conclusion.
【００３６】この発明と、上述の一実施例の構成との対
応において、この発明の接客操作部は、実施例の接客パ
ネル１２に対応し、以下同様に、検知手段と、第１検知
手段および第２検知手段は、包装硬貨取出し検知センサ
Ｓ1 と、紙幣取出し検知センサＳ2 に対応し、取引不審
行為防止手段は、ＣＰＵ４１と監視モニタ４５に対応
し、取引媒体は、包装硬貨２２と紙幣３１に対応する
も、この発明は、上述の一実施例の構成のみに限定され
るものではない。In the correspondence between the present invention and the configuration of the above-described one embodiment, the customer service operating portion of the present invention corresponds to the customer service panel 12 of the embodiment, and hereinafter, similarly, the detecting means, the first detecting means, and The second detection means corresponds to the packaging coin ejection detection sensor S1 and the bill ejection detection sensor S2, the transaction suspicious activity prevention means corresponds to the CPU 41 and the monitor 45, and the transaction medium is the packaging coin 22 and the bill 31. Correspondingly, the present invention is not limited to the configuration of the above-described embodiment.
【図１】この発明の取引操作監視機能付き自動両替機の
外観斜視図。FIG. 1 is an external perspective view of an automatic money changer with a transaction operation monitoring function according to the present invention.
【図２】この発明の包装硬貨放出口の放出状態を示す要
部斜視図。FIG. 2 is a perspective view of a main part showing a discharge state of a packaging coin discharge port of the present invention.
【図３】この発明の紙幣放出口の放出状態を示す要部斜
視図。FIG. 3 is a perspective view of an essential part showing a discharging state of a bill discharging port of the present invention.
【図４】この発明の取引操作監視機能付き自動両替機の
制御回路ブロック図。FIG. 4 is a control circuit block diagram of the automatic money changer with a transaction operation monitoring function of the present invention.
【図５】この発明の紙幣放出口のシャッタ閉鎖時の妨害
例を示す要部斜視図。FIG. 5 is a perspective view of an essential part showing an example of obstruction when the shutter of the bill outlet of the present invention is closed.
【図６】この発明のシャッタ閉鎖妨害時の処理動作を示
すフローチャート。FIG. 6 is a flowchart showing a processing operation when the shutter closing obstruction of the present invention.
【図７】この発明の両替操作が繰返された時の処理動作
を示すフローチャート。FIG. 7 is a flowchart showing a processing operation when the exchange operation of the present invention is repeated.
１１…装置本体 １２…接客パネル １８…包装硬貨放出口 １９…紙幣放出口 １８ａ，１９ａ…シャッタ ２２…包装硬貨 ３１…紙 幣 ４１…ＣＰＵ ４５…監視モニタ Ｓ1 …包装硬貨取出し検知センサ Ｓ2 …紙幣取出し検知センサ 11 ... Device main body 12 ... Customer service panel 18 ... Packaging coin outlet 19 ... Banknote outlet 18a, 19a ... Shutter 22 ... Packaging coin 31 ... Paper 41 ... CPU 45 ... Monitoring monitor S1 ... Packaging coin removal detection sensor S2 ... Banknote removal Detection sensor
Claims (2)
入力操作して自動取引する自動取引機であって、上記入
力操作時に、取引操作する顧客の取引不審行為を検知す
る検知手段と、上記検知手段が顧客の取引不審行為を検
知したとき、顧客の取引不審行為を阻止させる取引不審
行為防止手段を備えた取引操作監視機能付き自動取引
機。Claims: 1. An automatic transaction machine for performing automatic transactions by inputting into a customer service section mounted on the front of the main body of the apparatus, and detecting means for detecting a transaction suspicious activity of a customer operating transactions during the input operation. An automatic transaction machine with a transaction operation monitoring function, comprising transaction suspicious activity prevention means for preventing a transaction suspicious activity of a customer when the detection means detects a transaction suspicious activity of a customer.
て放出された取引媒体の取出し完了を検知する第１検知
手段と、上記第１検知手段が取引媒体の取出し完了を検
知した後に、同取出し部に対する取引媒体の取出し追及
行為が試みられたことを検知する第２検知手段とを備え
た請求項１記載の取引操作監視機能付き自動取引機。2. A first detecting means for detecting completion of taking out of the trading medium released along with the trading operation at the time of an input operation; and a detecting means for detecting completion of taking out of the trading medium, 2. An automatic transaction machine with a transaction operation monitoring function according to claim 1, further comprising a second detecting means for detecting an attempt to take out a transaction medium to the taking-out section.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2205194A JP3610498B2 (en) | 1994-01-21 | 1994-01-21 | Automatic transaction machine with transaction operation monitoring function |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2205194A JP3610498B2 (en) | 1994-01-21 | 1994-01-21 | Automatic transaction machine with transaction operation monitoring function |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JPH07210725A true JPH07210725A (en) | 1995-08-11 |
| JP3610498B2 JP3610498B2 (en) | 2005-01-12 |
Family
ID=12072129
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2205194A Expired - Fee Related JP3610498B2 (en) | 1994-01-21 | 1994-01-21 | Automatic transaction machine with transaction operation monitoring function |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JP3610498B2 (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100603936B1 (en) * | 2005-04-15 | 2006-07-24 | 노틸러스효성 주식회사 | Shutter device and method for operating the shutter device |
| JP2007328657A (en) * | 2006-06-09 | 2007-12-20 | Hitachi Omron Terminal Solutions Corp | Coin roll dispensing apparatus |
| JP2014112297A (en) * | 2012-12-05 | 2014-06-19 | Oki Electric Ind Co Ltd | Medium delivery device and medium processing device |
| JP2017174217A (en) * | 2016-03-24 | 2017-09-28 | 日本電気株式会社 | Information processing apparatus, information processing method, and program |
-
1994
- 1994-01-21 JP JP2205194A patent/JP3610498B2/en not_active Expired - Fee Related
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100603936B1 (en) * | 2005-04-15 | 2006-07-24 | 노틸러스효성 주식회사 | Shutter device and method for operating the shutter device |
| JP2007328657A (en) * | 2006-06-09 | 2007-12-20 | Hitachi Omron Terminal Solutions Corp | Coin roll dispensing apparatus |
| JP2014112297A (en) * | 2012-12-05 | 2014-06-19 | Oki Electric Ind Co Ltd | Medium delivery device and medium processing device |
| US9567182B2 (en) | 2012-12-05 | 2017-02-14 | Oki Electric Industry Co., Ltd. | Medium handover device and medium processing device |
| JP2017174217A (en) * | 2016-03-24 | 2017-09-28 | 日本電気株式会社 | Information processing apparatus, information processing method, and program |
Also Published As
| Publication number | Publication date |
|---|---|
| JP3610498B2 (en) | 2005-01-12 |
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