ATM management device, ATM management system, ATM management method, and ATM management program

Abstract

Regarding wire transfer fraud, ATM10 aims to reduce the likelihood of the transfer being processed even if the user is being tricked into transferring money to the perpetrator's account. [Solution] The standard display control unit 21 of the ATM management device 1 displays a transfer display 16 on the screen 2 that accepts transfer instructions. Next, the special display control unit 22 displays a special display 17 on the screen 2, along with the display that accepts normal transfer instructions, which pretends to accept a refund instruction for a refund but does not have a transfer function, in response to the operation of the transfer display 16. In the case of refund fraud among wire transfer frauds, it is thought that if the special display 17 is displayed on the screen 2, there is a high probability that the special display 17 will be operated. Therefore, even if the user of ATM 10 is being led to transfer money to the perpetrator's account, it becomes possible to prevent the transfer process from being carried out with a higher probability.

Description

Technical Field

[0001] The present invention relates to an ATM management device, an ATM management system, an ATM management method, and an ATM management program for managing an ATM (automated teller machine) that accepts money transactions through operations on a screen.

Background Art

[0002] In recent years, so-called "transfer fraud" has been increasing, in which mobile phones and the like are misused to induce the transfer of money to the perpetrator's account by using automated teller machines (hereinafter sometimes referred to as ATMs). Various preventive measures have been proposed against such transfer fraud. For example, Patent Document 1 discloses the following transfer system. That is, according to the transfer system of Patent Document 1, for example, when transfer destination information is generated by an operation on the screen of an ATM, a normal transfer button and a secure transfer button are displayed on the screen. Here, the normal transfer button is a button for selecting a normal transfer process that immediately performs a transfer process based on the transfer destination information, and the secure transfer button is a button for selecting a secure transfer process for preventing transfer fraud based on the transfer destination information.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, the above conventional transfer system has the following problems. In other words, in the system disclosed in the above-mentioned publication, various measures to prevent wire fraud are activated when an ATM user operates the secure transfer button. Therefore, if the user operates the regular transfer button without operating the secure transfer button, the transfer will be processed. Furthermore, even if the secure transfer button is operated and these measures are activated, there is still a possibility that the transfer may be processed depending on the user's actions.

[0005] The object of the present invention is to provide an ATM management device, an ATM management system, an ATM management method, and an ATM management program that can prevent a transfer from being processed with a higher probability, even if an ATM user is being guided to transfer money to the perpetrator's account. [Means for solving the problem]

[0006] The ATM management device according to the first invention is a device for managing ATMs (automated teller machines) that accept monetary transactions through on-screen operations, and comprises a standard display control unit and a special display control unit, as described below. First, the standard display control unit displays a transfer display on the screen to indicate that a transfer instruction has been received. Next, in response to an operation on the transfer display, the special display control unit displays a special display on the screen, which pretends to accept a refund instruction for a refund but does not have the function of a transfer, along with a display that accepts a normal transfer instruction.

[0007] Here, the transfer display is, for example, an area on the screen where the words "Transfer" are displayed and touch operation is accepted, and it is displayed together with other displays that accept instructions other than transfers. Other displays include, for example, a withdrawal display that accepts instructions for cash withdrawals, a deposit display that accepts instructions for cash deposits, and a time deposit display that accepts instructions for time deposits.

[0008] Furthermore, a special display is, for example, an area on the screen where the words "Refund Payment" are displayed and which accepts touch operation. This special display may appear, for example, following a touch operation on the transfer display, or following a touch operation on another display that appears on the screen after touching the transfer display. This makes it possible to prevent the transfer from being processed even if an ATM user is being tricked into transferring money to the perpetrator's account, with a higher probability.

[0009] In other words, in so-called "refund scams," a type of wire transfer fraud, users believe that the refund will be deposited into their own account and are led by the perpetrators to perform the transfer. Therefore, if a special indication is displayed on the screen along with the normal transfer instruction indication, it is highly likely that users will click on the special indication. Accordingly, by having users perform various actions to raise awareness of the possibility of a refund scam after clicking on the special indication, refund scams can be prevented with a high degree of success. As a result, even if an ATM user is being tricked into transferring money to the perpetrator's account, it becomes possible to prevent the transfer from being processed with a higher probability.

[0010] The ATM management device according to the second invention is the ATM management device according to the first invention, further comprising the following warning display control unit. Specifically, the warning display control unit displays a warning on the screen indicating that it is a refund scam in response to an operation on a specific display. This allows users to recognize refund scams, thus preventing them from becoming victims of such scams.

[0011] The ATM management device according to the third invention is the ATM management device according to the first invention, further comprising the following alarm unit and alarm control unit. Specifically, the alarm unit generates a warning sound, and the alarm control unit generates a warning sound in response to an operation on a specific display. This allows users, ATM administrators, and others near the ATM to notice if something is wrong with the ATM. As a result, someone may become aware of the possibility of a refund scam, thus preventing victims from becoming victims of refund scams.

[0012] The ATM management device according to the fourth invention is the ATM management device according to the first invention, further comprising the following additional display control unit. Specifically, the additional display control unit displays on the screen an account withdrawal display that accepts account withdrawals and a cash display that accepts cash transfers, in response to an operation to select the transfer display. The special display control unit then displays a special display on the screen in response to an operation to select the account withdrawal display.

[0013] ATM transfers typically allow users to choose between direct debit from their account or cash transfer. However, cash transfers are restricted to small amounts, not exceeding 100,000 yen. Therefore, perpetrators are likely to guide users to choose direct debit. By displaying a special indicator only after the user has selected direct debit, the special indicator can be displayed when the situation is highly likely to be a refund scam.

[0014] The ATM management device according to the fifth invention is the ATM management device according to the second invention, further comprising the following forced termination unit. That is, the forced termination unit displays a warning on the screen, and without accepting any further operations on the screen, terminates the transaction accepted by the operation to display the transfer after a predetermined period of time has elapsed. This allows for the forced termination of transactions that are highly likely to be refund scams, thus effectively preventing refund fraud. Furthermore, since the transaction is terminated after a predetermined period of time has elapsed while the perpetrator's instructions are completely ignored, the user may have time to regain their composure. Also, when combined with the seventh invention described later, it allows time for an ATM employee to rush to the scene.

[0015] The ATM management device according to the sixth invention is the ATM management device according to the third invention, further comprising the following forced termination unit. That is, after generating a warning sound, the forced termination unit terminates the transaction accepted by the transfer display operation after a predetermined time has elapsed, without accepting any operation on the screen. This allows for the forced termination of transactions that are highly likely to be refund scams, thus effectively preventing refund fraud.

[0016] The ATM management device according to the seventh invention is the ATM management device according to the first invention, further comprising the following communication unit. That is, the communication unit communicates with the outside of the ATM (Automated Teller Machine).

[0017] This allows for a wider dissemination of information about the possibility of refund fraud. Here, the external entities communicating with the ATM (Automated Teller Machine) include, for example, the financial institution's host computer or an ATM monitoring device that monitors the ATM's operating status. Therefore, instructions from the host computer or ATM monitoring device can be used to instruct the ATM to take measures to prevent refund fraud. Furthermore, the host computer or ATM monitoring device can also inform the local ATM staff of the information so that they can take appropriate action.

[0018] The ATM management system according to the eighth invention comprises the ATM management device according to the seventh invention and the following ATM monitoring device. Here, the ATM monitoring device monitors the operating status of the ATM (Automated Teller Machine). The communication unit transmits a signal to the ATM monitoring device indicating the possibility of a refund scam occurring in response to an operation on a special display. This allows for measures to be taken to prevent refund fraud based on the local conditions at the ATM. Therefore, more appropriate measures can be taken to prevent refund fraud.

[0019] The ATM management method according to the ninth invention is a method for managing an ATM (automated teller machine) that accepts monetary transactions through operations on a screen, and includes a standard display control step and a specific display control step described below. First, the standard display control step displays a transfer display for accepting a transfer instruction on the screen. Next, the specific display control step, in response to an operation on the transfer display, installs a function to accept a refund instruction for the refund amount and displays a specific display that does not have a transfer function, together with a display for accepting a normal transfer instruction, on the screen.

[0020] Here, the transfer display is, for example, an area on the screen where the characters "Transfer" are displayed and accepts touch operations, and is displayed together with other displays for accepting instructions other than transfers. Note that other displays are, for example, a withdrawal display for accepting a cash withdrawal instruction, a deposit display for accepting a cash deposit instruction, and a time deposit display for accepting a time deposit instruction, etc.

[0021] Also, the specific display is, for example, an area on the screen where the characters "Refund Payment" are displayed and accepts touch operations. And the specific display is displayed, for example, following a touch operation on the transfer display, or following a touch operation on another display that is displayed on the screen after a touch operation on the transfer display. This makes it possible to prevent the transfer process from being performed with a higher probability even if the user of the ATM is induced to transfer money to the account of the perpetrator.

[0022] That is, in so-called "refund fraud" among transfer frauds, the user is induced by the perpetrator believing that the refund amount will be refunded to their own account and performs a transfer operation. Therefore, when a specific display is displayed on the screen together with a display for accepting a normal transfer instruction, it is considered that the user will operate the specific display with a high probability. Therefore, by variously implementing means to arouse the user's awareness of the possibility of refund fraud after an operation on the specific display, refund fraud can be prevented with a high probability. As a result, even if the user of the ATM is induced to transfer money to the account of the perpetrator, it becomes possible to prevent the transfer process from being carried out with a higher probability.

[0023] The ATM management program according to the tenth invention is a program for managing an ATM (automated teller machine) that accepts money transactions through operations on a screen, and causes a computer to execute an ATM management method including a standard display control step and a specific display control step described below. First, the standard display control step displays a transfer display for accepting a transfer instruction on the screen. Next, the specific display control step, in response to an operation on the transfer display, pretends to accept a repayment instruction for the refund money and displays a specific display that does not have a transfer function, together with a display for accepting a normal transfer instruction, on the screen.

[0024] Here, the transfer display is, for example, an area on the screen where characters "Transfer" are displayed and accepts touch operations, and is displayed together with other displays for accepting instructions other than transfer. Note that the other displays are, for example, a withdrawal display for accepting an instruction to withdraw cash, a deposit display for accepting an instruction to deposit cash, and a time deposit display for accepting an instruction for a time deposit, etc.

[0025] Also, the specific display is, for example, an area on the screen where characters "Refund Payment" are displayed and accepts touch operations. And the specific display is displayed, for example, following a touch operation on the transfer display, or following a touch operation on another display displayed on the screen after a touch operation on the transfer display. As a result, even if the user of the ATM is induced to transfer money to the account of the perpetrator, it becomes possible to prevent the transfer process from being carried out with a higher probability.

[0026] In other words, in so-called "refund scams," a type of wire transfer fraud, users believe that the refund will be deposited into their own account and are led by the perpetrators to perform the transfer. Therefore, if a special indication is displayed on the screen along with the normal transfer instruction indication, it is highly likely that users will click on the special indication. Accordingly, by having users perform various actions to raise awareness of the possibility of a refund scam after clicking on the special indication, refund scams can be prevented with a high degree of success.

[0027] As a result, even if an ATM user is being tricked into transferring money to the perpetrator's account, it becomes possible to prevent the transfer from being processed with a higher probability. [Effects of the Invention]

[0028] According to the ATM management device of the present invention, even if an ATM user is being guided to transfer money to the perpetrator's account, it becomes possible to prevent the transfer from being processed with a higher probability. [Brief explanation of the drawing]

[0029] [Figure 1] A control block diagram showing the configuration of an ATM management device according to one embodiment of the present invention. [Figure 2] Figure 1 is a front view showing the configuration of ATMs managed by the ATM management device. [Figure 3] A diagram showing the configuration of the ATM management system, including the ATM management device shown in Figure 1. [Figure 4] Figure 2 shows the ATM screen in transaction selection mode. [Figure 5] Figure 2 shows the ATM screen in refund payment selection mode. [Figure 6] Figure 2 shows the ATM screen in fraud warning mode. [Figure 7] Figure 2 shows the ATM screen in the transfer method selection mode. [Figure 8] A flowchart showing the processing flow of the ATM management method performed by the ATM management device shown in Figure 1. [Figure 9] A control block diagram showing the configuration of an ATM management device according to another embodiment of the present invention. [Figure 10] A diagram showing an ATM screen in a mode that integrates a refund payment selection mode and a transfer method selection mode, according to another embodiment of the present invention. [Figure 11] A diagram showing that the ATM screen is in fraud warning mode, according to another embodiment of the present invention. [Modes for carrying out the invention]

[0030] An ATM management device 1 and an ATM management system 100 equipped with the ATM management device 1 according to one embodiment of the present invention will be described below with reference to Figures 1 to 8. In this embodiment, unnecessary details may be omitted. For example, detailed explanations of already well-known matters or redundant explanations of substantially identical configurations may be omitted. This is to avoid the following explanation becoming unnecessarily verbose and to facilitate understanding for those skilled in the art. Furthermore, the applicant provides the accompanying drawings and the following description so that those skilled in the art may fully understand the present invention, and not intends to limit the subject matter described in the claims.

[0031] (1) Configuration of ATM (Automated Teller Machine) 10 The ATM management device 1 according to this embodiment is a device that manages an ATM (Automated Teller Machine) 10 that accepts monetary transactions through operations on a screen 2. As shown in Figure 1, it is composed of a control unit 3, a storage unit 4, and a communication unit 5, etc., which are provided by the ATM 10 itself. Therefore, the ATM 10 will be described first.

[0032] As shown in Figures 1 and 2, the ATM 10 includes the following components: a control unit 3, a storage unit 4, an operation guidance unit 6, a banknote processing unit 7, a coin processing unit 8, a card / receipt processing unit 12, a passbook processing unit 13, a guidance processing unit 14, and a communication unit 5. First, the control unit 3 controls various parts of the ATM 10, such as the operation guidance unit 6, according to the various programs stored in the memory unit 4, and the memory unit 4 stores the various programs executed by the control unit 3 and the processing results of the control unit 3.

[0033] Next, the operation guidance unit 6 has the following key input unit 15 and screen 2. First, the key input unit 15 has various buttons that accept user operations, such as specifying the recipient account and the amount, and sends the received information to the control unit 3. Next, the screen 2 is composed of, for example, a liquid crystal display with touch panel functionality, and displays the recipient account and amount entered by the user by operating the key input unit 15. In addition, various displays are shown on the screen 2 in accordance with the execution of various programs. Among these displays, there are some that form areas that accept touch operations, such as the transfer display 16 and special display 17 described later.

[0034] Next, the banknote processing unit 7 receives banknotes from users during deposits and transfers, identifies the type of banknotes, counts each banknote, and stores them in storage units according to their type. Similarly, the coin processing unit 8 receives coins from users during deposits and transfers, identifies the type of coins, counts each coin, and stores them in storage units according to their type. Next, the card / statement processing unit 12 reads user information such as user ID, financial institution name, branch name, and account number recorded on the magnetic stripe or IC card of the transaction card such as a cash card inserted by the user. The card / statement processing unit 12 also records the transaction results on the statement. Furthermore, the passbook processing unit 13 reads user information from the magnetic stripe or IC card of the passbook inserted by the user and records the transaction results and balance in the passbook. The guidance processing unit 14 displays greetings to the user such as "Welcome" and "Thank you."

[0035] Next, the communication unit 5 transmits information to a host computer 18 or ATM monitoring device 19 located outside the ATM 10 via the network, based on commands from the control unit 3. Conversely, it also receives information from the host computer 18 or ATM monitoring device 19 via the network and sends it to the control unit 3. Here, the host computer 18 is, for example, a server of a financial institution, and the ATM monitoring device 19 is a device that monitors the operating status of the ATM 10, and monitors for mechanical problems such as banknote jams.

[0036] (2) Configuration of ATM management system 100 Next, the ATM management system 100, which includes the ATM management device 1, will be described. As shown in Figure 3, the ATM management system 100 is composed of a large number of ATMs 10 connected to a host computer 18 and an ATM monitoring device 19 via a network. The control unit 3 of the ATM 10 is connected to the host computer 18 and the ATM management device via the ATM 10's own communication unit 5 and also via the network.

[0037] (3) Configuration of ATM Management Device 1 Next, I will explain the ATM management device 1. The ATM management device 1 is a device that manages the ATM 10 and consists of a control unit 3 and a communication unit 5, etc., which are provided by the ATM 10 itself. The ATM management device 1 will be described in detail below. The ATM management device 1 includes the following functions of the control unit 3: a standard display control unit 21, a special display control unit 22, a warning display control unit 23, an additional display control unit 24, and a forced termination unit 25.

[0038] First, the standard display control unit 21 displays a transfer display 16 on screen 2 to accept a transfer instruction. The transfer display 16 is displayed when screen 2 is in transaction selection mode, which accepts the selection of various transactions, as shown in Figure 4, for example. The transfer display 16 is an area on screen 2 where the words "Transfer" are displayed and touch operation is accepted, and it is displayed together with other displays that accept instructions other than transfers.

[0039] Other displays include, for example, a withdrawal display 28 that accepts instructions for cash withdrawals, a deposit display 29 that accepts instructions for cash deposits, and a time deposit display 30 that accepts instructions for time deposits. These displays the words "Withdrawal," "Deposit," and "Time Deposit," respectively, and form areas where touch operations are accepted. Next, the special display control unit 22 displays the special display 17, described below, on screen 2 in response to an operation on the transfer display 16, along with the normal transfer display 32, which accepts instructions for a normal transfer. Here, the special display 17 is a display that pretends to accept instructions for a refund but does not have a transfer function. The special display 17 is displayed when screen 2 is in refund payment selection mode, which accepts the selection of a refund payment, as shown in Figure 5, for example. The special display 17 is an area on screen 2 where the words "Refund Payment" are displayed and touch operation is accepted, and it is displayed together with the normal transfer display 32 described above. Furthermore, the special display 17 is displayed following a touch operation on the account withdrawal display 33 in the transfer method selection mode described later.

[0040] The regular transfer display 32, for example, displays the words "Regular Transfer" and forms an area that accepts touch operations. In response to operations on the regular transfer display 32, screen 2 switches to a mode that accepts the specification of the recipient account and the amount based on operations on the key input section 15. This enables a regular transfer. Furthermore, since the special indication 17 is displayed on screen 2 together with the normal transfer indication 32, in order to make the special indication 17 stand out more than the normal transfer indication 32, the area of ​​the special indication 17 may be made a conspicuous color such as red or yellow, and then text may be displayed on it.

[0041] Next, the warning display control unit 23 displays a warning display 34 on screen 2 indicating that it is a refund scam, in response to an operation on the special display 17 in refund payment mode. The warning display 34 is displayed when screen 2 is in a scam warning mode that warns of fraud, as shown in Figure 6, for example. The warning display 34 is also an area on screen 2 where text such as "You are a victim of a refund scam" is displayed.

[0042] Note that the warning display 34 is not configured to accept touch input. In addition, in fraud victim warning mode, along with the warning display 34, a message prompting the user to take action after receiving the warning, such as "Please turn off your mobile phone and contact us via the intercom," is also displayed. Furthermore, to make the warning sign 34 more noticeable, the area containing the warning sign 34 may be made a conspicuous color such as red or yellow, and then text may be displayed on it.

[0043] Next, the additional display control unit 24 displays the following account withdrawal display 33 and cash display 35 in response to the operation on the transfer display 16 in transaction selection mode. Specifically, the account withdrawal display 33 is an indication that a transfer by account withdrawal is accepted, and the cash display 35 is an indication that a transfer by cash is accepted. Then, the special display control unit 22 displays the special display 17 on screen 2 in response to the operation on the account withdrawal display 33.

[0044] The account withdrawal display 33 and the cash display 35 are displayed, for example, when screen 2 is in transfer method selection mode, which accepts the selection of a transfer method, as shown in Figure 7. The account withdrawal display 33 is an area on screen 2 where the words "account withdrawal" are displayed and touch operation is accepted, and the cash display 35 is an area on screen 2 where the words "cash" are displayed and touch operation is accepted. The account withdrawal display 33 and the cash display 35 are displayed following a touch operation on the transfer display 16 in transaction selection mode.

[0045] Furthermore, as described above, in response to an operation on the account debit display 33, the refund payment selection mode is entered, and the special display 17 and the normal transfer display 32 are displayed on the screen 2. Also, in response to an operation on the cash display 35, the screen 2 switches to a mode for accepting the designation of the transfer destination account and the amount designation based on the operation on the key input unit 15, and then further switches to a mode for accepting the input of money based on the operation on the banknote processing unit 7 and the coin processing unit 8. This enables the transfer of cash.

[0046] Next, after displaying the warning display 34 on the screen 2, the forced termination unit 25 terminates the transaction accepted by the operation on the transfer display 16 after a predetermined time without accepting the operation on the screen 2. More specifically, when the screen 2 enters the fraud victim warning mode, the forced termination unit 25 switches the screen 2 to the transaction selection mode and cancels the previously accepted transfer instruction without accepting the operation on the screen 2 after a predetermined time.

[0047] <ATM Management Method> Subsequently, the ATM management method executed by the ATM management device 1 will be described using the flowchart shown in FIG. 8. First, in step S1, the screen 2 is switched to the transaction selection mode. As a result, the transfer display 16 is displayed on the screen 2 together with the withdrawal display 28, the deposit display 29, and the time deposit display 30, and the ATM 10 becomes capable of accepting instructions for various transactions such as transfers, cash withdrawals, cash deposits, and time deposits. Note that step S1 is executed by the standard display control unit 21 described above. Also, step S1 corresponds to the following standard display control step. That is, the standard display control step is a step of displaying the transfer display 16 on the screen 2.

[0048] Next, in step S2, it is determined whether the user has operated on the transfer display 16. Here, step S2 is executed when there is an operation on any of the displays on screen 2 in transaction selection mode. If the user has operated on the transfer display 16 (YES), the process proceeds to step S3; if the user has operated on a display other than the transfer display 16 (NO), the process proceeds to the transaction processing flow for transactions other than transfers.

[0049] Next, in step S3, screen 2 is switched to the transfer method selection mode. As a result, the account withdrawal display 33 and the cash display 35 are displayed on screen 2, and the ATM 10 becomes capable of accepting the selection of either a transfer by account withdrawal or a transfer by cash. Step S3 is executed by the additional display control unit 24 described above. Step S3 also corresponds to the following additional display control step. That is, the additional display control step is the step of displaying the account withdrawal display 33 and the cash display 35 on screen 2 in response to the operation on the transfer display 16.

[0050] Next, in step S4, it is determined whether the user has operated the account withdrawal display 33. Here, step S4 is executed when there is an operation on any of the displays on screen 2 in the transfer method selection mode. If the user has operated the account withdrawal display 33 (YES), the process proceeds to step S5; if the user has operated the cash display 35 (NO), the process proceeds to the normal transfer processing flow.

[0051] Next, in step S5, it is determined whether the special fraud screen display mode is set in ATM 10. Here, the special fraud screen mode is a mode that allows the execution of a control flow to prevent refund fraud, as shown in the flowchart in Figure 8, and can be set, for example, by a command from the host computer 18 or ATM monitoring device 19, or by a local staff member at ATM 10. If the special fraud screen display mode is set (YES), the process proceeds to step S6; if the special fraud screen display mode is not set (NO), the process proceeds to the normal transfer processing flow.

[0052] Next, in step S6, screen 2 is switched to refund payment selection mode. As a result, the special display 17 and the normal transfer display 32 are displayed on screen 2, and the ATM 10 becomes ready to accept the selection of either refund payment or normal transfer. Step S6 is executed by the special display control unit 22 described above. Step S6 also corresponds to the following special display control step. That is, the special display control step is the step of displaying the special display 17 on screen 2 together with the normal transfer display 32 in response to the operation on the transfer display 16.

[0053] Next, in step S7, it is determined whether the user has operated on the special display 17. Here, step S7 is executed when there is an operation on any of the displays on screen 2 in the refund payment selection mode. If the user has operated on the special display 17 (YES), the process proceeds to step S8; if the user has operated on the normal transfer display 32 (NO), the process proceeds to the normal transfer processing flow.

[0054] Next, in step S8, screen 2 is switched to fraud victim warning mode. As a result, a warning display 34 is displayed on screen 2. Step S8 is performed by the warning display control unit 23 described above. Step S8 also corresponds to the following warning display control step. That is, the warning display control step is the step of displaying a warning display 34 indicating that it is a refund scam on screen 2 in response to an operation on the special display 17.

[0055] Next, in step S9, a predetermined waiting time is counted, and after the count is complete, the transfer transaction accepted in the transaction selection mode is forcibly terminated. Here, the waiting time is set to, for example, 1 minute. Also, during the count, no operations on screen 2 are accepted, and the warning display 34 continues to be displayed on screen 2. Step S9 is executed by the forced termination unit 25 described above. Step S8 corresponds to the following forced termination step. That is, the forced termination step is a step in which, after displaying the warning display 34 on screen 2, the transaction accepted by operation on the transfer display 16 is terminated after a predetermined time has elapsed without accepting any operations on screen 2.

[0056] Next, in step S10, it is determined whether external notification is set up in ATM 10. Here, external notification refers to notifying external parties such as the host computer 18 or ATM monitoring device 19 that there is a possibility of being a victim of fraud, such as a refund scam. This can be set up, for example, by a command from the host computer 18 or ATM monitoring device 19, or by a local staff member at ATM 10. If external notification is set up (YES), the process proceeds to step S10; if external notification is not set up (NO), screen 2 is switched to transaction selection mode. Then, in step S11, an external notification is issued, and screen 2 is subsequently switched to the trade selection mode.

[0057] <Key Features> The ATM management device 1 of this embodiment is a device that manages an ATM (Automated Teller Machine) 10 that accepts monetary transactions through operations on a screen 2, and comprises a standard display control unit 21 and a special display control unit 22, which are described below. First, the standard display control unit 21 displays a transfer display 16 on the screen 2 that accepts transfer instructions. Next, in response to operations on the transfer display 16, the special display control unit 22 displays a special display 17 on the screen 2, which pretends to accept refund instructions for refunds but does not have a transfer function, along with a display that accepts normal transfer instructions.

[0058] Here, the transfer display 16 is, for example, an area on screen 2 where the words "Transfer" are displayed and touch operation is accepted, and it is displayed together with other displays that accept instructions other than transfers. Other displays include, for example, the withdrawal display 28 that accepts instructions for cash withdrawal, the deposit display 29 that accepts instructions for cash deposit, and the time deposit display 30 that accepts instructions for time deposit.

[0059] Furthermore, the special display 17 is, for example, an area on screen 2 where the words "Refund Payment" are displayed and touch operation is accepted. The special display 17 may be displayed, for example, following a touch operation on the transfer display 16, or following a touch operation on another display that appears on screen 2 after touching the transfer display 16. This makes it possible to prevent the transfer from being processed even if the ATM10 user is being tricked into transferring money to the perpetrator's account, with a higher probability.

[0060] In other words, in so-called "refund scams" among wire transfer frauds, users believe that the refund will be returned to their own account and are led by the perpetrator to perform the transfer operation. Therefore, if a special indicator 17 is displayed on screen 2 along with the display that accepts normal transfer instructions, it is highly likely that users will operate on the special indicator 17. Accordingly, by having users perform various actions to raise awareness of the possibility of a refund scam after operating on the special indicator 17, refund scams can be prevented with a high degree of probability. As a result, even if a user of ATM10 is being tricked into transferring money to the perpetrator's account, it becomes possible to prevent the transfer from being processed with a higher probability.

[0061] [Other embodiments] Although one embodiment of the present invention has been described above, the present invention is not limited to the above embodiment, and various modifications are possible without departing from the spirit of the invention.

[0062] (A) In the above embodiments, examples of the present invention were described as the ATM management device 1 and the ATM management method. However, the present invention is not limited thereto. For example, the present invention may be implemented as a program that causes a computer to execute the ATM management method by the ATM management device 1 described above.

[0063] This program is stored in the memory (storage unit 4) installed in the ATM management device 1. The CPU of the control unit 3 reads the program stored in memory and causes the hardware to execute each step. More specifically, the same effect as above can be obtained by the CPU reading the program and executing steps S1 to S10 described above. Furthermore, the present invention may be implemented as a recording medium that stores the program of the ATM management device 1.

[0064] (B) In the above embodiment, regarding the processing after the special display 17 is operated in the refund payment selection mode, an example was given in which the warning display control unit 23 switches screen 2 to fraud victim warning mode and displays a warning display 34 on screen 2. However, the present invention is not limited thereto.

[0065] For example, as shown in Figure 9, the ATM management device 1 may be equipped with an alarm unit 37 and an alarm control unit 38 instead of the warning display control unit 23. Here, the alarm unit 37 generates a warning sound, and the alarm control unit 38 has the function of generating a warning sound in the alarm unit 37 in response to an operation on the special display 17. In this case, the forced termination unit 25 may be set as follows: After generating a warning sound, the system may terminate the transaction received by the operation on the transfer display 16 after a predetermined time has elapsed without accepting any operations on the screen 2. The warning display control unit 23 and the alarm control unit 38 may both be provided in the ATM management device 1.

[0066] (C) In the above embodiment, with respect to screen 2, the transfer method selection mode and the refund payment selection mode are set separately, and the additional display control unit 24 displays the account withdrawal display 33 and the cash display 35 on screen 2, while the special display control unit 22 displays the special display 17 and the normal transfer display 32 on screen 2. However, the present invention is not limited thereto.

[0067] For example, as shown in Figure 10, the special indicator 17 may be displayed on screen 2 together with the account withdrawal indicator 33 and the cash indicator 35. In this case, with respect to screen 2, the transfer method selection mode and the refund payment selection mode are integrated into a single mode. In this integrated mode, when either the account withdrawal indicator 33 or the cash indicator 35 is operated, the system proceeds to the normal transfer procedure flow, and when the special indicator 17 is operated, the system switches to the fraud victim warning mode.

[0068] Furthermore, in the embodiment shown in Figure 10, the special indication 17 is displayed on the screen 2 together with the account withdrawal indication 33 and the cash indication 35. In order to make the special indication 17 stand out more than the account withdrawal indication 33 and the cash indication 35, the area of ​​the special indication 17 may be made a conspicuous color such as red or yellow, and then text may be displayed on it.

[0069] (D) In the above embodiment, the warning display control unit 23 displayed the warning display 34 along with a message prompting action after receiving the warning, such as "Please turn off your mobile phone and contact us via the intercom." However, the present invention is not limited to this. For example, as shown in Figure 11, the warning display 34 may be displayed together with the text, for example, "Call an attendant." Furthermore, the display of the text "Call an attendant" may be set as a touch-enabled area (attendant call display 39), and when the attendant call display 39 is operated, the system may notify the on-site attendant of the ATM 10 to prompt them to come to the location.

[0070] <Note> The ATM management device according to the first invention is: In an ATM management device that manages ATMs (Automated Teller Machines) that accept monetary transactions through on-screen operations, A standard display control unit that displays a transfer notification on the screen to accept a transfer instruction, A special display control unit that, in response to an operation on the aforementioned transfer display, displays a special display on the screen that pretends to accept a refund instruction for a refund but does not have a transfer function, together with a display that accepts a normal transfer instruction; It is equipped with.

[0071] The ATM management device according to the second invention is the ATM management device according to the first invention, A warning display control unit that displays a warning on the screen indicating that it is a refund scam in response to an operation on the aforementioned special display, Furthermore, they are also prepared. The ATM management device according to the third invention is an ATM management device according to the first or second invention, An alarm unit that emits a warning sound, An alarm control unit that generates a warning sound in response to the operation of the aforementioned special display, Furthermore, they are also prepared.

[0072] The ATM management device according to the fourth invention is an ATM management device according to any one of the first to third inventions, In response to the operation on the transfer display, an additional display control unit is provided that displays on the screen an account withdrawal display for accepting transfers via account withdrawal and a cash display for accepting cash transfers. Furthermore, The special display control unit displays the special display on the screen in response to the operation to display the account withdrawal.

[0073] The ATM management device according to the fifth invention is an ATM management device according to the second invention, The system further includes a forced termination unit that, after displaying the aforementioned warning on the screen, terminates the transaction received through the operation on the transfer display after a predetermined period of time has elapsed without accepting any further operations on the screen. The ATM management device according to the sixth invention is an ATM management device according to the third invention, After generating the aforementioned warning sound, without accepting any operations on the screen, a forced termination unit terminates the transaction accepted by the operation on the transfer display after a predetermined period of time has elapsed. Furthermore, they are also prepared.

[0074] The ATM management device according to the seventh invention is an ATM management device according to any one of the first to sixth inventions, The communication unit that communicates with the outside of the ATM (Automated Teller Machine) is Furthermore, they are also prepared. The ATM management system according to the eighth invention is: The ATM management device according to the seventh invention, An ATM monitoring device that monitors the operating status of the aforementioned ATM (Automated Teller Machine), Equipped with, The communication unit transmits a signal to the ATM monitoring device indicating the possibility of a refund scam occurring, in response to an operation on the special display. [Industrial applicability]

[0075] The ATM management device of the present invention has the effect of making it possible to prevent transfers from being processed with a higher probability, even when ATM users are being tricked into transferring money to the perpetrator's account. Therefore, it can be widely applied to various systems for preventing remittance fraud that misuses ATMs. [Explanation of symbols]

[0076] 1 ATM management device 2 screens 3. Control Unit 4. Communications Department 5 Storage section 6 Operation guide 7. Banknote Processing Section 8. Coin Processing 10 ATMs (Automated Teller Machines) 12. Card / Statement Processing Section 13. Passbook Processing Department 14. Guidance Processing Unit 15 Key Input Section 16. Bank Transfer Display 17 Specific display 18 Host computer 19 ATM monitoring equipment 21 Standard Display Control Unit 22. Special Display Control Unit 23 Warning Display Control Unit 24 Additional display control unit 25 Forced Termination Section 28 Drawer display 29 Deposit display 30 Time Deposit Display 32. Standard Bank Transfer Display 33. Account withdrawal display 34 Warning display 35 Cash display 37 Alarm section 38 Alarm Control Unit 39. Calling an attendant display 100 ATM Management Systems

Claims

1. In an ATM management device that manages ATMs (Automated Teller Machines) that accept monetary transactions through on-screen operations, A standard display control unit that displays a transfer notification on the screen to accept a transfer instruction, A special display control unit that, in response to an operation on the aforementioned transfer display, displays a special display on the screen that pretends to accept a refund instruction for a refund but does not have a transfer function, together with a display that accepts a normal transfer instruction; An ATM management device equipped with [this feature].

2. A warning display control unit that displays a warning on the screen indicating that it is a refund scam in response to an operation on the aforementioned special display, The ATM management device according to claim 1 is further provided.

3. An alarm unit that emits a warning sound, An alarm control unit that generates a warning sound in response to the operation of the aforementioned special display, The ATM management device according to claim 1 is further provided.

4. In response to the operation on the transfer display, an additional display control unit is provided that displays on the screen an account withdrawal display for accepting transfers via account withdrawal and a cash display for accepting cash transfers. Furthermore, The ATM management device according to claim 1, wherein the special display control unit displays the special display on the screen in response to an operation to display the account withdrawal.

5. After displaying the aforementioned warning on the screen, and without accepting any further operations on the screen, a forced termination unit terminates the transaction accepted by the operation on the transfer display after a predetermined period of time has elapsed. The ATM management device according to claim 2 is further provided.

6. After generating the aforementioned warning sound, without accepting any operations on the screen, a forced termination unit terminates the transaction accepted by the operation on the transfer display after a predetermined period of time has elapsed. The ATM management device according to claim 3 is further equipped with the following features.

7. The communication unit that communicates with the outside of the ATM (Automated Teller Machine) is The ATM management device according to claim 1 is further provided.

8. The ATM management device according to claim 7, An ATM monitoring device that monitors the operating status of the aforementioned ATM (Automated Teller Machine), Equipped with, The aforementioned communication unit is an ATM management system that transmits a signal to the ATM monitoring device indicating the possibility of a refund scam occurring in response to an operation on the aforementioned special display.

9. An ATM management method for managing ATMs (Automated Teller Machines) that accept monetary transactions through on-screen operations, A standard display control step that displays a transfer indication on the screen to accept transfer instructions, A special display control step that, in response to an operation on the aforementioned transfer display, displays a special display on the screen that pretends to accept a refund instruction for a refund and does not have the function of a transfer, together with a display that accepts a normal transfer instruction; An ATM management method that includes [this feature].

10. An ATM management program that manages ATMs (Automated Teller Machines) that accept monetary transactions through on-screen operations, A standard display control step that displays a transfer indication on the screen to accept transfer instructions, A special display control step in which, in response to an operation on the transfer display, a special display that pretends to accept a refund instruction for a refund but does not have a transfer function is displayed on the screen together with a display that accepts a normal transfer instruction, An ATM management program that causes a computer to execute an ATM management method equipped with [specific features / features].

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