Information processing device, information processing system, and program

Abstract

To more effectively prevent suspicious transactions. [Solution] An information processing device is provided, comprising: an acquisition unit that acquires transfer information; and a determination unit that determines whether the transfer related to the transfer information is suspicious based on the transfer information, and if the determination unit determines that the transfer related to the transfer information is suspicious, a call control unit that initiates a call with an operator terminal.

Description

[Technical Field]

[0001] The present invention relates to an information processing apparatus, an information processing system, and a program. [Background Art]

[0002] In recent years, automatic transaction devices such as cash processing machines have become widespread. In addition, technologies for preventing illegal acts that misuse automatic transaction devices have been developed. For example, Patent Document 1 discloses a technology that requests a remitter to have a call with an operator if a transaction using an automatic transaction device is suspected of being a transfer fraud. [Prior Art Documents] [Patent Documents]

[0003] [Patent Document 1] Japanese Unexamined Patent Application Publication No. 2010-176435 [Summary of the Invention] [Problem to be Solved by the Invention]

[0004] However, with the technology disclosed in Patent Document 1, if the remitter does not respond to the request for a call, it is not possible to confirm the transaction details, persuade the remitter to stop the transaction, or perform other such operations.

[0005] Accordingly, the present invention has been made in view of the above problem, and an object of the present invention is to provide a new and improved information processing apparatus, information processing system, and program that can more reliably prevent suspicious transactions. [Means for Solving the Problem]

[0006] In order to solve the above problem, according to one aspect of the present invention, there is provided an information processing apparatus including: an acquisition unit that acquires remittance information; and a call control unit that starts a call with an operator terminal when a determination unit that determines whether the remittance related to the remittance information is suspicious based on the remittance information determines that the remittance related to the remittance information is suspicious.

[0007] The call control unit may initiate a call with the operator terminal if the determination unit determines that the transfer related to the transfer information is suspicious and a call operation is performed by an employee of a financial institution.

[0008] The information processing device may further include a processing unit that executes the transfer related to the transfer information.

[0009] If the processing unit determines, as a result of the call with the operator terminal, that the transfer related to the transfer information is not suspicious, it may execute the transfer related to the transfer information.

[0010] The aforementioned information processing device may be a cash handling machine.

[0011] Furthermore, in order to solve the above problems, according to another aspect of the present invention, an information processing system is provided which includes: an acquisition unit that acquires transfer information; a determination unit that determines whether or not the transfer related to the transfer information is suspicious based on the transfer information; and a call control unit that initiates a call with an operator terminal if the determination unit determines that the transfer related to the transfer information is suspicious.

[0012] Furthermore, in order to solve the above problems, according to another aspect of the present invention, a program is provided that causes a computer to function as an information processing device comprising: an acquisition unit that acquires transfer information; and a determination unit that determines whether or not the transfer related to the transfer information is suspicious based on the transfer information, and if the determination unit determines that the transfer related to the transfer information is suspicious, a call control unit that initiates a call with an operator terminal. [Effects of the Invention]

[0013] As explained above, the present invention makes it possible to more reliably prevent suspicious transactions. [Brief explanation of the drawing]

[0014] [Figure 1]This is a block diagram showing an example of the functional configuration of an information processing system 1 according to one embodiment of the present invention. [Figure 2] This block diagram shows an example of the functional configuration of the cash handling machine 200 according to the same embodiment. [Figure 3] This flowchart shows an example of the operation flow of the cash handling machine 200 according to the same embodiment. [Figure 4] This flowchart shows an example of the operation flow of the cash handling machine 200 according to the same embodiment. [Figure 5] This flowchart shows an example of the workflow using the operator terminal 140 according to the same embodiment. [Figure 6] This figure shows an example of the hardware configuration of the information processing device 900 according to one embodiment of the same embodiment. [Modes for carrying out the invention]

[0015] Preferred embodiments of the present invention will be described in detail below with reference to the attached drawings. In this specification and drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant descriptions will be omitted.

[0016] <1. Embodiments> <<1.1. Example of Functional Configuration>> In recent years, there have been numerous cases of automated trading systems being misused for illegal activities such as wire fraud and money laundering. To prevent these illegal activities, it is effective to conduct phone calls between users and operators, as disclosed in Patent Document 1, and to issue warnings or persuade them through these calls.

[0017] However, in the technology disclosed in Patent Document 1, if the user does not respond to the call request, the operator cannot warn or persuade the user. Therefore, if the user continues the operation without responding to the call request, the transaction may be executed.

[0018] The technical idea according to one embodiment of the present invention has been conceived with focus on the above-mentioned points, and enables more reliable prevention of suspicious transactions suspected of being transfer fraud, money laundering, or the like.

[0019] To this end, an information processing method according to one embodiment of the present invention is characterized in that, when a transaction is determined to be suspicious, a call with an operator is forcibly started without depending on a user's operation, permission, or the like, that is, without going through confirmation of the user's intention.

[0020] According to the above feature, confirmation of transaction details, warning, persuasion, etc. can be reliably implemented through a call, making it possible to prevent the execution of suspicious transactions in advance.

[0021] Hereinafter, a functional configuration example of an information processing system 1 that executes the information processing method according to one embodiment of the present invention will be described in detail.

[0022] FIG. 1 is a block diagram showing a functional configuration example of an information processing system 1 according to one embodiment of the present invention.

[0023] Various devices included in the information processing system 1 according to the present embodiment may be distributed and installed, for example, in a center 10 and branch offices 20 operated by a financial institution.

[0024] The center 10 is a base connected to each of a plurality of branch offices 20 via a network, collects information related to transactions from each of the branch offices 20, and provides business support to each of the branch offices 20.

[0025] As shown in FIG. 1, the center 10 may be provided with an accounting host 110, a business server 120, a control server 130, and a plurality of operator terminals 140.

[0026] (Accounting Host 110) The accounting host 110 is an information processing apparatus that executes various accounting processes.

[0027] (Business Server 120) The business server 120 is an information processing device that provides applications to support various business operations performed at the center 10.

[0028] (Control Server 130) The control server 130 in this embodiment is an information processing device that controls calls between the operator terminal 140 and the cash handling machine 200.

[0029] Furthermore, the control server 130 according to this embodiment may have a function to determine whether or not a transaction is suspicious.

[0030] Details of the functions of the control server 130 according to this embodiment will be described later.

[0031] (Operator terminal 140) The operator terminal 140 is an information processing device used by operators working at the center 10.

[0032] The operator terminal 140 may be, for example, a PC (Personal Computer), a tablet, or the like.

[0033] (Cash handling machine 200) The cash handling machine 200 according to this embodiment is an information processing device that executes cash transactions. Multiple cash handling machines 200 may be installed in each of the branch offices 20.

[0034] Figure 2 is a block diagram showing an example of the functional configuration of the cash handling machine 200 according to this embodiment.

[0035] As shown in Figure 2, the cash handling machine 200 according to this embodiment may include a control unit 210, a display unit 220, an operation unit 230, a cash processing unit 240, an audio input unit 250, an audio output unit 260, an imaging unit 270, and a communication unit 280, etc.

[0036] (Control unit 210) The control unit 210 according to this embodiment controls each component of the cash handling machine 200.

[0037] Furthermore, the control unit 210 according to this embodiment can operate as an acquisition unit that acquires transaction information input using the operation unit 230.

[0038] Furthermore, the control unit 210 according to this embodiment can operate as a determination unit that determines whether or not a transaction related to said transaction information is suspicious based on the transaction information.

[0039] Furthermore, the control unit 210 according to this embodiment can operate as a call control unit that initiates a call with the operator terminal 140 if it is determined that the transaction is suspicious.

[0040] Details of the functions of the control unit 210 according to this embodiment will be described later.

[0041] (Display section 220) The display unit 220 displays various information according to the control unit 210. For this purpose, the display unit 220 is equipped with a display.

[0042] (Operation unit 230) The operation unit 230 accepts various operations from the user. For example, the operation unit 230 accepts the user's input of transaction information. For this purpose, the operation unit 230 is equipped with input devices such as a touch panel, buttons, and a keyboard.

[0043] (Cash processing unit 240) The cash processing unit 240 according to this embodiment performs processes such as deposits and withdrawals in accordance with the control unit 210.

[0044] The cash processing unit 240 according to this embodiment is an example of a processing unit that executes transactions related to transaction information.

[0045] (Voice input unit 250) The voice input unit 250 captures the user's voice and other sounds. For this purpose, the voice input unit 250 is equipped with a microphone or the like.

[0046] (Audio output unit 260) The audio output unit 260 outputs various types of audio. For this purpose, the audio output unit 260 is equipped with a speaker, amplifier, etc.

[0047] The voice input unit 250 and the voice output unit 260 are used for communication (voice calls or video calls) between the cash handling machine 200 and the operator terminal 140.

[0048] (Imaging unit 270) The imaging unit 270 captures images of the area surrounding the cash handling machine 200, as well as images related to users, etc. For this purpose, the imaging unit 270 is equipped with various image sensors.

[0049] The imaging unit 270 may also be used for video communication between the cash handling machine 200 and the operator terminal 140.

[0050] (Communications Section 280) The communication unit 280 communicates information with other devices. For this purpose, the communication unit 280 is equipped with various communication devices.

[0051] The communication unit 280, for example, sends and receives information to enable a call between itself and the operator terminal 140.

[0052] The above describes an example of the functional configuration of the information processing system 1 according to this embodiment. Note that the above functional configuration described with reference to Figures 1 and 2 is merely an example, and the functional configuration example of the information processing system 1 according to this embodiment is not limited to this example.

[0053] For example, the functions of the acquisition unit, determination unit, and call control unit described above do not necessarily need to be implemented in the cash handling machine 200.

[0054] The functions of the acquisition unit, determination unit, and call control unit may be provided by a program that runs on a PC, smartphone, tablet, etc. The information processing system 1 according to this embodiment is applicable not only to cash transactions using cash, but also to online transactions.

[0055] The information processing system 1 according to this embodiment can be flexibly modified according to specifications, operation, etc.

[0056] <<1.2. Function Details>> Next, the functions of the information processing system 1 according to this embodiment will be described in detail. In the following description, the case where the transaction is a bank transfer will be used as the main example. However, the transaction may also be a transfer or other type of transaction.

[0057] Figures 3 and 4 are flowcharts illustrating an example of the operation flow of the cash handling machine 200.

[0058] In the example shown in Figures 3 and 4, first, the control unit 210 selects a transfer as the type of transaction to be executed based on the user's selection operation to the operation unit 230 (S101).

[0059] Next, the control unit 210 obtains the recipient's bank account information based on the user's input to the operation unit 230 (S102).

[0060] Furthermore, the control unit 210 obtains the transfer amount based on the user's input operation to the operation unit 230 (S103).

[0061] Next, the control unit 210 determines whether the transfer related to the transfer information is suspicious or not, based on the recipient information obtained in step S102 and the transfer amount obtained in step S103 (the recipient information and the transfer amount together are also referred to as transfer information) (S104).

[0062] For example, the control unit 210 may check whether the recipient has a history of past transactions, and if there is no history of past transactions, it may determine that the transfer is suspicious.

[0063] Furthermore, for example, the control unit 210 may check whether the recipient of the transfer has a history of being used for wire fraud, money laundering, etc., and if so, it may determine that the transfer is suspicious.

[0064] Furthermore, for example, the control unit 210 may determine whether the transfer amount is unusual (for example, whether it exceeds the set amount), and if it determines that the transfer amount is unusual, it may determine that the transfer is suspicious.

[0065] Furthermore, for example, the control unit 210 may determine that a transfer is suspicious if it detects an abnormality in the user's behavior based on the user's image captured by the imaging unit 270, the user's voice picked up by the voice input unit 250, etc.

[0066] If the control unit 210 determines that the transfer is not suspicious (S105: not suspicious), it displays the details of the transfer on the display unit 220 (S110).

[0067] Next, the control unit 210 determines the user's confirmation result regarding the displayed transfer details (S111).

[0068] When the user performs a confirmation operation on the operation unit 230 (S111: confirmation), the control unit 210 instructs the cash processing unit 240 to execute the transfer (S112).

[0069] If the user performs a cancel operation on the operation unit 230 (S111: Cancel), the control unit 210 skips step S112 and terminates the process.

[0070] On the other hand, if the control unit 210 determines that the transfer is suspicious (S105: Suspicious), it notifies the control server 130 via the communication unit 280 (S106). This notification may include information such as the transfer information, a statement that the transfer has been determined to be suspicious, the reason for determining the transfer to be suspicious, the user's image, and the user's voice.

[0071] The staff working at Center 10 (for example, operators, or supervisors who oversee the operators) decide whether or not to make a call to the cash handling machine 200 based on the notification in step S106 (S107). The result of the decision on whether or not to make a call may be entered using the operator terminal 140 or the supervisor terminal used by the supervisor and obtained by the control server 130.

[0072] If the staff member determines that a phone call is unnecessary (S107: No phone call needed), information to that effect is sent to the cash handling machine 200, and the cash handling machine 200 proceeds with the processing from step S110 onward.

[0073] On the other hand, if an employee determines that a call is necessary (S107: Call required), the employee performs a call operation using the operator terminal 140 or the like. Based on the above call operation, the control server 130 works in cooperation with the control unit 210 of the cash handling machine 200 to initiate a call between the cash handling machine 200 and the operator terminal 140 (S108).

[0074] For example, the control unit 210 of the cash handling machine 200 may initiate a call by responding to an incoming call (call request) from the operator terminal 140 without user operation or permission, that is, without confirming the user's intent.

[0075] Next, the control server 130 or the operator terminal 140 determines the call result entered by the operator who responded to the call in step S108 (S109).

[0076] If the operator receives a call result indicating that the call is not suspicious (step S109: not suspicious), information to that effect is transmitted to the cash handling machine 200 by the control server 130 or the operator terminal 140, and the cash handling machine 200 performs the processing from step S110 onward.

[0077] On the other hand, if the operator receives a call result indicating that the transaction is suspicious (step S109: suspicious), information indicating this is sent to the cash handling machine 200 by the control server 130 or the operator terminal 140, and the cash handling machine 200 terminates processing without executing the steps from step S110 onward.

[0078] As described above, when a call is initiated with the operator terminal 140, the control unit 210 of the cash processing machine 200 according to this embodiment causes the cash processing unit 240 to suspend the execution of the transfer.

[0079] Furthermore, the control unit 210 of the cash processing machine 200 according to this embodiment, if it determines that the transfer is not suspicious based on the results of a call with the operator terminal 140, instructs the cash processing unit 240 to execute the transfer.

[0080] The above-described control measures make it possible to reliably prevent transfers that are deemed suspicious.

[0081] Next, an example of a workflow using the operator terminal 140 according to this embodiment will be described. Figure 5 is a flowchart of an example of a workflow using the operator terminal 140 according to this embodiment.

[0082] In the example shown in Figure 5, the operator uses the operator terminal 140 to confirm the reason for the notification, i.e., the reason why the cash handling machine 200 determined the transfer was suspicious (S201).

[0083] The operator also uses the operator terminal 140 to confirm the transfer details (S202).

[0084] Next, the operator determines whether a call is necessary (S203).

[0085] If the operator determines that a phone call is unnecessary (S203: No phone call needed), they will perform a "no problem" response (S204). This "no problem" response may include, for example, issuing an instruction to the cash handling machine 200 to execute a transfer.

[0086] On the other hand, if the operator determines that a call is necessary (S203: Call required), they initiate a call and start a conversation with the cash handling machine 200 (S205).

[0087] In the call in step S205, the operator conducts interviews with the user, provides warnings, and so on.

[0088] Next, the operator determines the outcome of the call (S206).

[0089] If the operator determines that there is no suspicion (S206: Not suspicious), they will respond with "No problem."

[0090] On the other hand, if the operator determines that something is suspicious (S206: Suspicious), they will take action to address the problem (S207).

[0091] Actions taken to address the problem may include, for example, issuing a directive to the cash handling machine to prohibit the execution of transfers, or notifying relevant organizations.

[0092] The processing flow of the information processing system 1 according to this embodiment has been explained with specific examples. The functions described above make it possible to more reliably prevent suspicious transactions.

[0093] However, the processing flow described above is merely an example, and the processing flow of the information processing system 1 according to this embodiment is not limited to such an example.

[0094] For example, the above describes a case where the necessity of a call is determined by staff at Center 10, but such a determination does not necessarily have to be incorporated into the processing.

[0095] If the control unit 210 of the cash handling machine 200 determines that a transfer is suspicious, it may request a call from the control server 130, and the control server 130 may assign the call to an operator terminal 140 used by an available operator, thereby initiating a call between the cash handling machine 200 and the operator terminal 140.

[0096] Alternatively, for example, the determination of whether or not a transfer is suspicious may be performed by the control server 130. In this case, the control server 130 can obtain transfer information, images, audio, etc., from the cash handling machine 200 and make the determination.

[0097] Furthermore, for example, calls with users may be conducted by AI (Artificial Intelligence) instead of an operator. In this case, the outcome of the call may be determined automatically by analyzing the user's responses, behavior, etc.

[0098] The configuration of the information processing system 1 according to this embodiment is flexibly modifiable.

[0099] <2. Hardware Configuration Example> Next, an example of the hardware configuration of the information processing device 900 according to one embodiment of the present invention will be described. The information processing device 900 is a device that has a hardware configuration equivalent to that of the cash handling machine 200, the control server 130, and the operator terminal 140.

[0100] The hardware configuration example of the information processing device 900 described below is merely one example. Therefore, the hardware configurations of the cash handling machine 200, control server 130, and operator terminal 140 may be modified by removing unnecessary components from the hardware configuration of the information processing device 900 described below, or by adding new components.

[0101] Figure 6 shows an example of the hardware configuration of an information processing device 900 according to one embodiment of the present invention. The information processing device 900 includes a processor 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 904, a bridge 905, an external bus 906, an interface 907, an input device 908, an output device 909, a storage device 910, and a communication device 911.

[0102] The processor 901 functions as both an arithmetic processing unit and a control unit, controlling the overall operation of the information processing unit 900 according to various programs. The ROM 902 stores programs and arithmetic parameters used by the processor 901. The RAM 903 temporarily stores programs used in the execution of the processor 901 and parameters that change as needed during its execution. These are interconnected by the host bus 904, which consists of a CPU bus and the like.

[0103] The host bus 904 is connected to an external bus 906, such as a PCI (Peripheral Component Interconnect / Interface) bus, via a bridge 905. It is not always necessary to configure the host bus 904, bridge 905, and external bus 906 separately; these functions may be implemented on a single bus.

[0104] The input device 908 consists of input means for the user to input information, such as a mouse, keyboard, touch panel, buttons, microphone, switches, and levers, and an input control circuit that generates input signals based on the user's input and outputs them to the processor 901. By operating this input device 908, the user can input various types of data to the information processing device 900 or instruct it to perform processing operations.

[0105] The output device 909 includes, for example, display devices such as CRT (Cathode Ray Tube) display devices, liquid crystal display (LCD) devices, OLED (Organic Light Emitting Diode) devices, lamps, and audio output devices such as speakers.

[0106] The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, and a deletion device for deleting data recorded on the storage medium. The storage device 910 is composed of, for example, an HDD (Hard Disk Drive). This storage device 910 drives the hard disk and stores programs executed by the processor 901 and various data.

[0107] The communication device 911 is a communication interface composed of, for example, a communication device for connecting to a network. The communication device 911 may support either wireless or wired communication.

[0108] <3. Conclusion> As described above, the cash handling machine 200 according to one embodiment of the present invention is an example of an information processing device comprising: an acquisition unit that acquires transfer information; and a determination unit that determines whether or not the transfer related to the transfer information is suspicious based on the transfer information, and if the determination unit determines that the transfer related to the transfer information is suspicious, a call control unit that initiates a call with the operator terminal 140.

[0109] With the configuration described above, it becomes possible to more reliably prevent suspicious transactions.

[0110] Although preferred embodiments of the present invention have been described in detail above with reference to the attached drawings, the present invention is not limited to these examples. It is clear to any person with ordinary skill in the art to which the present invention belongs that various modifications or alterations can be conceived within the scope of the technical idea described in the claims, and these are also understood to fall within the technical scope of the present invention.

[0111] Furthermore, each step of the process described in this disclosure does not necessarily have to be processed chronologically in the order shown in the flowchart or sequence diagram. For example, each step of the process for each device may be processed in an order different from the order described, or may be processed in parallel.

[0112] Furthermore, the series of processes performed by each device described in this disclosure may be implemented by a program stored in a non-transitory computer-readable storage medium. Each program is, for example, loaded into RAM when executed by a computer and executed by a processor such as a CPU. The storage medium is, for example, a magnetic disk, an optical disk, a magneto-optical disk, or flash memory. Alternatively, the program may be distributed without using a storage medium, for example, via a network. [Explanation of Symbols]

[0113] 1. Information Processing System 10 Center 110 Accounting Host 120 Business Servers 130 Control Server 140 Operator terminals 20 stores 200 Cash Dispensing Machines 210 Control Unit 220 Display section 230 Operation section 240 Cash Processing Unit 250 Voice input section 260 Audio output section 270 Imaging Unit 280 Communications Department

Claims

1. The acquisition unit obtains transfer information, If the determination unit determines that the transfer related to the transfer information is suspicious based on the transfer information, the call control unit initiates a call with the operator terminal. Equipped with, Information processing device.

2. The call control unit shall initiate a call with the operator terminal if the determination unit determines that the transfer related to the transfer information is suspicious and a call operation is performed by an employee of a financial institution. The information processing apparatus according to claim 1.

3. A processing unit that executes the transfer related to the aforementioned transfer information. Furthermore, The processing unit, when a call with the operator terminal is initiated, suspends the execution of the transfer related to the transfer information. The information processing apparatus according to claim 1.

4. If the processing unit determines, based on the results of a call with the operator terminal, that the transfer related to the transfer information is not suspicious, it will execute the transfer related to the transfer information. The information processing apparatus according to claim 3.

5. It is a cash handling machine. An information processing apparatus according to any one of claims 1 to 4.

6. The acquisition unit obtains transfer information, A determination unit that determines whether or not the transfer related to the transfer information is suspicious based on the transfer information, If the determination unit determines that the transfer related to the transfer information is suspicious, the call control unit initiates a call with the operator terminal. Equipped with, Information processing system.

7. Computers, The acquisition unit obtains transfer information, If the determination unit determines that the transfer related to the transfer information is suspicious based on the transfer information, the call control unit initiates a call with the operator terminal. Equipped with, Information processing device, A program that makes it function as such.

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