Fraud detection support system and fraud detection support method

Abstract

To prevent fraud by displaying information indicating sale permission / non-permission on a store terminal device in a duty-free shop or the like.SOLUTION: In one aspect of the present disclosure, a store terminal device acquires identification information of a person who wishes to purchase articles, face image information, article information, and price information, and transmits the identification information, the face image information, the article information, and the price information to a server device. The server device stores the identification information, the article information, and the price information in association with each other, determines whether or not the total price of the articles based on the article information and the price information associated with the identification information transmitted from the store terminal device is equal to or greater than a reference value, determines whether or not to permit the sale on the basis of the identification information and the face image information transmitted from the store terminal device and the stored identification information and the face image information, and transmits, to the store terminal device, sale permission / non-permission information indicating whether or not to permit the sale on the basis of the price determination result and the sale determination result. The store terminal device performs display on the basis of the sale permission / non-permission information transmitted from the server device.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a fraud detection support system and a fraud detection support method. [Background technology]

[0002] There is known a technology that supports payment processing when a foreign traveler uses a duty-free shop to purchase a specific item. For example, a payment support system for travelers described in Patent Document 1 supports payments based on the sale of goods and provision of services to travelers. This payment support system for travelers stores the traveler's passport information, biometric authentication information, and tax-free allowance information in a storage device, compares the traveler's biometric information included in the payment information received from a terminal with the biometric authentication information stored in the storage device that is associated with passport information showing a predetermined validity, and transmits payment permission information to the terminal if there is registered biometric authentication information that matches the biometric information received from the terminal. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6434561 Summary of the Invention [Problem to be solved by the invention]

[0004] Those eligible to apply for tax exemption are non-residents such as foreign tourists, and are exempt from consumption tax on the condition that they purchase certain items as souvenirs or for their own use after returning home. Therefore, it is not permitted to apply for tax exemption for the purpose of consuming or reselling within Japan, so store employees are required to check passports etc. when selling goods.

[0005] However, tax exemption applications are sometimes made at department stores, etc., where products can be sold with a reduced consumption tax or the tax can be refunded in order to increase convenience for tourists. This system has been exploited by domestic residents who use tourist passports to impersonate foreign tourists and receive tax exemptions.

[0006] To prevent fraud, employees at each store often visually check the passport photo and the identity of the tax-free applicant. However, even if a passport or other identification is presented, it may be difficult for store employees to accurately distinguish the faces of foreigners, so it may be difficult to identify the passport photo as the tax-free applicant, and if the passport is genuine, store employees cannot prevent impersonation. In addition, even if a large purchase is made at multiple stores for the purpose of reselling, there is also the problem that fraudulent use cannot be detected because the purchase information is not shared with other stores.

[0007] The present disclosure has been made in consideration of the above circumstances, and aims to provide a fraud detection support system and a fraud detection support method that can prevent fraud by displaying information indicating whether or not a product is available for sale on a store terminal device, such as a duty-free shop. [Means for solving the problem]

[0008] The present disclosure has been made to solve the above-mentioned problems, and one aspect of the present disclosure is a fraud detection support system in which a plurality of store terminal devices and a server device are connected via a communication network, the store terminal device includes an acquisition unit that acquires identification information, face image information, product information, and price information of a person wishing to purchase a product, and an information transmission unit that transmits the identification information, face image information, product information, and price information acquired by the acquisition unit to the server device, the server device includes a storage unit that stores the identification information, product information, and price information received from the information transmission unit in association with each other, and a storage unit that stores the identification information, product information, and price information received from the information transmission unit in association with each other, A fraud detection support system comprising: an amount determination unit that determines whether the total amount of the products based on the linked product information and amount information is above a reference value; a sales determination unit that determines whether to allow a sale based on the identification information and the facial image information sent from the store terminal device and the identification information and the facial image information stored in the memory unit; and a result transmission unit that transmits to the store terminal device sales approval / disapproval information indicating whether to allow a sale based on the determination result of the amount determination unit and the determination result of the sales determination unit, wherein the store terminal device comprises a display unit that performs a display based on the sales approval / disapproval information sent from the result transmission unit.

[0009] Another aspect of the present disclosure is a fraud detection support method for a fraud detection support system in which a plurality of store terminal devices and a server device are connected via a communication network, the fraud detection support method including the steps of: the store terminal device acquiring identification information, facial image information, product information, and price information of a person wishing to purchase a product, and transmitting the acquired identification information, facial image information, product information, and price information to the server device; the server device linking and storing the received identification information, product information, and price information, determining whether a total price of the products based on the product information and the price information linked to the identification information transmitted from the store terminal device is equal to or exceeds a reference value, determining whether to permit a sale based on the identification information and the facial image information transmitted from the store terminal device and the stored identification information and facial image information, and transmitting sales approval information indicating whether to permit a sale based on the price determination result and the sales determination result to the store terminal device; and the store terminal device performing a display based on the sales approval information transmitted from the server device. Effect of the Invention

[0010] According to one aspect of the present invention, fraudulent activity can be prevented by displaying information indicating whether or not an item is available for sale on a store terminal device in a duty-free shop or the like. [Brief description of the drawings]

[0011] [Figure 1] 1 is a block diagram showing an example of a configuration of a fraud detection support system according to an embodiment. [Diagram 2] FIG. 4 is a diagram showing an example of tax exemption application information according to the embodiment. [Diagram 3] A sequence diagram showing an example of an operating procedure of the fraud detection support system in an embodiment. [Figure 4] FIG. 11 is a diagram showing another example of tax exemption application information in the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] Hereinafter, a fraud detection support system and a fraud detection support method to which the present invention is applied will be described with reference to the drawings.

[0013] (Configuration of fraud detection support system 1) 1 is a block diagram showing an example of the configuration of a fraud detection support system 1 according to an embodiment. The fraud detection support system 1 is a system for supporting the task of detecting fraud such as impersonation when a specific item is sold in a duty-free shop, for example.

[0014] In the fraud detection support system 1, a plurality of store terminal devices 100 and a server device 200 are connected via a communication network. As shown in FIG. 1, the fraud detection support system 1 includes, for example, a store terminal device 100, a server device 200, a tax-exempt electronic application server device 300, and a tax-exempt inspection terminal device 400. The store terminal device 100, the server device 200, the tax-exempt electronic application server device 300, and the tax-exempt inspection terminal device 400 each have a communication interface such as a NIC (Network Interface Card) or a wireless communication module for connecting to a network NW such as the Internet. The network NW may include, for example, a general-purpose network such as the Internet, and a private network such as local 5G or Wifi (registered trademark).

[0015] The store terminal device 100 is, for example, a Point Of Sales system (POS) cash register terminal installed in a store, and is an information processing device that performs various processes by having a central processing unit (CPU) execute a program. The store terminal device 100 includes, for example, an operation unit 110, an acquisition unit 120, an information transmission unit 130, and a display unit 140.

[0016] The operation unit 110 accepts operations by store employees using operation buttons, a touch panel, etc., and generates operation information according to the accepted operation. For example, the operation unit 110 accepts operations to read information written on a passport, and operations to read product information and price information. The operation unit 110 also accepts operations to take a photograph of the face of a person wishing to receive tax exemption. The operation unit 110 may accept operations to read biometric information such as fingerprint information.

[0017] The acquisition unit 120 acquires the identification information, face image information, product information, and price information of a product purchaser. A product purchaser is, for example, a tax-free applicant who wishes to purchase a product at a tax-free shop. The identification information is information for verifying the identity of the product purchaser, such as passport information and travel document information written on the passport. The face image information is a face image of the tax-free applicant taken by a camera installed or connected to the store terminal device 100. The product information is information that identifies the product that the tax-free applicant wishes to purchase, information such as the number of items to be purchased, and the like. The price information is information that indicates the sales price of the product that the tax-free applicant wishes to purchase.

[0018] The information transmitting unit 130 transmits the identification information, face image information, product information, and price information acquired by the acquiring unit 120 to the server device 200. Note that the information transmitted by the information transmitting unit 130 when a tax exemption applicant applies for tax exemption is referred to as tax exemption application information. The tax exemption application information includes the identification information (passport information), face image information, product information, and price information.

[0019] The display unit 140 includes a display device such as a liquid crystal display that is viewed by store employees, a display device that is viewed by tax exemption applicants, etc. The display unit 140 performs display based on the sales propriety information transmitted from the result transmission unit 240 of the server device 200. In this way, the display unit 140 allows the sales propriety information to be viewed by store employees or tax exemption applicants.

[0020] The server device 200 is an information processing device that returns results in response to requests from a plurality of store terminal devices 100. The server device 200 includes, for example, a storage unit 210, an amount determination unit 220, a sales determination unit 230, and a result transmission unit 240.

[0021] The storage unit 210 is configured by, for example, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, an electrically erasable programmable read only memory (EEPROM), a random access read / write memory (RAM), a read only memory (ROM), or any combination of these storage media. The storage unit 210 stores the tax exemption application information transmitted from the store terminal device 100. The storage unit 210 stores the identification information, product information, and amount information received from the information transmission unit 130 in a linked manner. When a tax exemption user purchases a product using one of the store terminal devices 100 of the fraud detection support system 1, the identification information, product information, and amount information of the tax exemption applicant are registered in the server device 200. FIG. 2 is a diagram showing an example of the tax exemption application information in the embodiment. The tax exemption application information may be, for example, information linking a passport number, an application date, face information, product information, and a total amount.

[0022] The amount determination unit 220 determines whether the total amount of the products based on the product information and amount information linked to the identification information transmitted from the store terminal device 100 is equal to or greater than a reference value. The reference value is the amount of the products that a tax exemption applicant can purchase, such as 50,000 yen.

[0023] The sales determination unit 230 determines whether or not to permit a sale based on the identification information and face image information transmitted from the store terminal device 100 and the identification information and face image information stored in the storage unit 210. When the sales determination unit 230 receives tax exemption application information of a new tax exemption applicant from the store terminal device 100, the sales determination unit 230 determines that the tax exemption applicant is a new registrant because the tax exemption application information of the tax exemption applicant is not stored in the storage unit 210. The sales determination unit 230 can determine whether the passport number included in the passport information and the biometric information such as the same face image linked from the passport information are already registered in the storage unit 210.

[0024] The result sending unit 240 sends sales permission information to the store terminal device 100 as a response of the result. The sales permission information is information indicating whether or not a sale is permitted based on the determination result of the price determination unit 220 and the determination result of the sale determination unit 230. The sales permission information is information indicating that a sale is permitted, for example, when both the determination of the price determination unit 220 and the determination of the sale determination unit 230 result in a determination that a sale is permitted. The sales permission information is information indicating that a sale is not permitted, for example, when one of the determination of the price determination unit 220 and the determination of the sale determination unit 230 result in a determination that a sale is not permitted.

[0025] When the shop terminal device 100 sells a product to a tax exemption applicant, the shop terminal device 100 transmits tax exemption registration information to the tax exemption electronic application server device 300. The tax exemption registration information includes, for example, passport information, product information, and price information. The store terminal device 100 includes a permission transmission unit 132. The permission transmission unit 132 transmits sales permission information including identification information, product information, and price information to the tax exemption inspection terminal device 400 via the tax exemption electronic application server device 300.

[0026] The tax exemption electronic application server device 300 is an information processing device that responds with a result in response to a request from the tax exemption inspection terminal device 400. The tax exemption electronic application server device 300 includes, for example, an information registration unit 310 and a storage unit 320. The information registration unit 310 stores the tax exemption registration information transmitted from the store terminal device 100 in the storage unit 320. The storage unit 320 includes, for example, an HDD (Hard Disk Drive) or the like, and stores the tax exemption registration information.

[0027] The tax-free inspection terminal device 400 is a terminal device installed, for example, at an international airport and operated by a tax-free inspector. The tax-free inspection terminal device 400 accepts tax-free applications when a tax-free applicant departs the country. The tax-free inspection terminal device 400 inputs identification information, product information, and amount information based on the operation of the tax-free inspector, and transmits a check request including the input information. If the identification information, product information, and amount information included in the check request match the information stored in the storage unit 320, the tax-free electronic application server device 300 responds with a result that the tax-free exemption is permitted. If the information included in the check request is not registered in the storage unit 320, the tax-free electronic application server device 300 responds with the identification information, product information, and amount information that are not registered in the storage unit 320. In this way, the tax-free inspection terminal device 400 can display the check result and allow the tax-free inspector to visually check it.

[0028] FIG. 3 is a sequence diagram showing an example of an operation procedure of fraud detection support system 1 in the embodiment. First, the acquisition unit 120 acquires the identification information (passport information), face image information, product information, and price information of the tax exemption applicant (step ST10). In response to the acquisition of information by the acquisition unit 120, the information transmission unit 130 transmits a check request S10 including the acquired information to the server device 200.

[0029] The server device 200 stores the information included in the check request S10 in the storage unit 210 (step ST12), and determines whether the total amount for each product is equal to or less than the reference value using the amount determination unit 220 (step ST14). If the amount determination unit 220 determines that the total amount for each product is not equal to or less than the reference value, the server device 200 does not perform a determination using the sales determination unit 230, and transmits a check result S12a to the store terminal device 100. This causes the store terminal device 100 to display that the tax exemption is not available because the total amount for each product is not equal to or less than the reference value.

[0030] The amount determination unit 220 calculates the total amount for each product purchased at multiple stores based on multiple product information and amount information transmitted from multiple store terminal devices 100. This allows the server device 200 to determine whether the total purchase amount at multiple stores exceeds the reference value for each product, even if a tax-exempt customer purchases the same product at multiple stores.

[0031] The sales determination unit 230 may determine whether or not to permit the sale of a specific product based on the identification information. For example, the sales determination unit 230 may determine whether or not to permit the sale of a specific product (alcohol, tobacco, herbs, etc.) based on the age, nationality, and other status of the tax-exempt person. Furthermore, the sales determination unit 230 may determine whether or not to permit the sale based on a combination of the name, nationality, date of birth, product name, status of residence, date of landing, passport type, product type, and the like obtained by the store terminal device 100 from a passport or the like.

[0032] If the amount determination unit 220 determines that the total amount for each item is equal to or less than the reference amount, the sales determination unit 230 determines whether or not to permit the sale based on the identification information and face image information transmitted from the store terminal device 100 and the identification information and face image information stored in the storage unit 210 (step ST16). If the sales determination unit 230 determines that, for example, the face image captured by the store terminal device 100 differs from the face image linked to the passport number and stored, the server device 200 transmits to the store terminal device 100 a check result S12 indicating that tax exemption is not possible because the identification information and the tax exemption applicant are different.

[0033] The store terminal device 100 displays based on the check result S12a or check result S12 received from the server device 200 (step ST18). This allows the store employee to inform the tax exemption applicant of the check result. In response to receiving the check result S12 indicating that tax exemption is available, the store terminal device 100 transmits tax exemption registration information S14 to the tax exemption electronic application server device 300.

[0034] When the store terminal device 100 receives the check result S12a or the check result S12 indicating that the tax exemption is not applicable, the store terminal device 100 may stop the payment process. This allows the store terminal device 100 to prevent the tax exemption applicant from fraudulently purchasing products.

[0035] The tax exemption electronic application server device 300, in response to receiving the tax exemption registration information S14, stores the tax exemption registration information in the storage unit 320 to register it (step ST20). In response to receiving the check request S16 from the tax exemption inspection terminal device 400, the tax exemption electronic application server device 300 responds with a result S18 based on whether or not the information included in the check request S16 matches the tax exemption registration information S14 stored in the storage unit 320 (step ST22). This allows the tax exemption inspector to check whether the contents applied for by the tax exemption applicant match the tax exemption registration information registered by the store.

[0036] FIG. 4 is a diagram showing another example of the tax exemption application information according to the embodiment. The tax exemption application information may include the passport number, application date, facial information, product information, and total amount, as well as the residence status and period of stay. The acquisition unit 120 acquires information on the stay dates of the person who wishes to purchase, and the information transmission unit 130 transmits the stay date information to the server device 200. The storage unit 210 stores the stay date information in association with the identification information, product information, and price information, and the sales determination unit 230 determines whether or not to permit a sale based on the stay date information. This allows the store terminal device 100 to allow store employees to recognize whether or not a tax-free sale can be made based on the stay period of the tax-free person. The acquisition unit 120 acquires the residence status information of the person who wishes to purchase, and the information transmission unit 130 transmits the residence status information to the server device 200. The storage unit 210 stores the residence status information in association with the identification information, product information, and price information, and the sales determination unit 230 determines whether or not to permit the sale based on the residence status information. This allows the store terminal device 100 to allow store employees to recognize whether or not it is permitted to sell the product tax-free based on the residence status of the person who wishes to be tax-free.

[0037] As described above, according to the embodiment, the fraud detection support system 1 includes a plurality of store terminal devices 100 and a server device 200 connected via a communication network, the store terminal device 100 includes an acquisition unit 120 that acquires identification information, face image information, product information, and price information of a person wishing to purchase a product, and an information transmission unit 130 that transmits the identification information, face image information, product information, and price information acquired by the acquisition unit 120 to the server device 200, the server device 200 includes a storage unit 210 that stores the identification information, product information, and price information received from the information transmission unit 130 in association with each other, and a storage unit 220 that stores the product information and price information associated with the identification information transmitted from the store terminal device 100. It is possible to realize a fraud detection support system 1 including an amount determination unit 220 that determines whether the total amount of the products based on the amount information and the amount is equal to or greater than a reference value, a sales determination unit 230 that determines whether a sale is permitted based on the identification information and face image information transmitted from the store terminal device 100 and the identification information and face image information stored in the storage unit 210, and a result transmission unit 240 that transmits to the store terminal device 100 sales permission information indicating whether a sale is permitted based on the determination results of the amount determination unit 220 and the determination results of the sales determination unit 230, and the store terminal device 100 includes a display unit 140 that performs display based on the sales permission information transmitted from the result transmission unit 240. According to this embodiment, fraud can be suppressed by having the store terminal device 100 in a duty-free shop or the like display information indicating sales permission. For example, by linking a face image to identification information, even if the face photo on the passport is forged, if a tax exemption application is made using the same identification information, it is possible to prevent impersonation using the face information of the tax exemption applicant. This makes it possible to prevent consumption tax evasion caused by the same person making large purchases at multiple stores, and to prevent the fraudulent use of other people's passports. Furthermore, by installing the store terminal devices 100 in multiple duty-free shops and connecting them to the server device 200 for communication, the fraud detection support system 1 can manage the daily purchase amounts of tax-exempt applicants. As a result, the fraud detection support system 1 can identify large-scale purchases suspected of reselling or individuals suspected of fraudulent use by checking the product information and price information linked to the identification information stored in the memory unit 210 of the server device 200.

[0038] Although each embodiment and variant example has been described, these are merely examples and are not intended to be limiting. For example, any of the embodiments or variant examples, or a part of each embodiment or a part of each variant example, may be combined with one or more other embodiments or one or more other variant examples to realize one aspect of the present invention. In the above embodiment, a foreign traveler holds a passport, and a store employee operating the store terminal device 100 at a duty-free shop reads the passport information as identification information, but the fraud detection support system 1 of the embodiment is not limited to passport information and can be applied to other identification information. The fraud detection support system 1 can obtain, for example, information issued by various government-related agencies of various countries, such as My Number, national ID, residence card, passport (border), passport, and visa, as identification information, and provide the store terminal device 100 with information indicating whether or not it is permitted to sell a product using the obtained identification information. [Explanation of symbols]

[0039] 1...fraud detection support system, 100...store terminal device, 110...operation unit, 120...acquisition unit, 130...information transmission unit, 132...permission transmission unit, 140...display unit, 200...server device, 210...storage unit, 220...amount determination unit, 230...sales determination unit, 240...result transmission unit, 300...tax-exempt electronic application server device, 310...information registration unit, 320...storage unit, 400...tax-exempt inspection terminal device

Claims

1. A fraud detection support system in which a plurality of store terminal devices and a server device are connected via a communication network, The store terminal device an acquisition unit for acquiring identification information, face image information, product information, and price information of a person who wishes to purchase a product; an information transmitting unit that transmits the identification information, the face image information, the product information, and the price information acquired by the acquiring unit to the server device, The server device includes: a storage unit that stores the identification information, the product information, and the price information received from the information transmission unit in association with each other; an amount determination unit that determines whether a total amount of the products based on the product information and the amount information linked to the identification information transmitted from the store terminal device is equal to or greater than a reference amount; a sales determination unit that determines whether or not to permit a sale based on the identification information and the face image information transmitted from the store terminal device and the identification information and the face image information stored in the storage unit; a result transmission unit that transmits to the store terminal device sales permission information indicating whether or not a sale is permitted based on a determination result of the price determination unit and a determination result of the sales determination unit, The store terminal device includes a display unit that performs display based on the sales availability information transmitted from the result transmission unit. Fraud detection support system.

2. an inspection terminal device operated by an inspector who inspects the goods purchased by the goods purchaser, The store terminal device includes an authorization transmission unit that transmits sales authorization information including the identification information, the product information, and the price information to the inspection terminal device. The fraud detection support system according to claim 1 .

3. 3. The fraud detection support system according to claim 1, wherein the amount determination unit calculates a total amount for each of the items purchased at the multiple stores based on the multiple pieces of product information and the amount information transmitted from the multiple store terminal devices.

4. The sales determination unit determines whether or not to permit the sale of a specific product based on the identification information.

3. The fraud detection support system according to claim 1 or 2.

5. The acquisition unit acquires stay date information of the product purchaser, The information transmitting unit transmits the stay date information to the server device, The storage unit stores the stay date information in association with the identification information, the product information, and the price information; The sales determination unit determines whether or not to permit the sale based on the stay date information.

3. The fraud detection support system according to claim 1 or 2.

6. The acquisition unit acquires residence status information of the person who wishes to purchase the product, The information transmission unit transmits the residence status information to the server device, The storage unit stores the residence status information in association with the identification information, the product information, and the amount information, The sales determination unit determines whether or not to permit the sale based on the residence status information.

3. The fraud detection support system according to claim 1 or 2.

7. A fraud detection support method for a fraud detection support system in which a plurality of store terminal devices and a server device are connected via a communication network, comprising: the store terminal device acquiring identification information, face image information, product information, and price information of a product purchaser, and transmitting the acquired identification information, face image information, product information, and price information to the server device; the server device stores the received identification information, product information, and price information in association with each other, determines whether or not the total price of the products based on the product information and price information linked to the identification information transmitted from the store terminal device is equal to or exceeds a reference value, determines whether or not to permit a sale based on the identification information and face image information transmitted from the store terminal device and the stored identification information and face image information, and transmits to the store terminal device sales permission information indicating whether or not to permit a sale based on the price determination result and the sales determination result; a step of the store terminal device performing a display based on the sales availability information transmitted from the server device; A fraud detection assistance method comprising:

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