System for preventing inappropriate use of automated transaction devices

Abstract

To provide a system for preventing inappropriate use independently from an automated teller machine.SOLUTION: A system includes a digital signage display 20, and a display control apparatus 24 which supplies content 22 for displaying an advertisement, or the like, to the display 20. Before a user 16 starts using an automated teller machine 14, a camera 26 captures an image of the user 16. The system analyzes the image. When detecting the user 16 talking on a mobile phone 30 or the user preparing for calling on the mobile phone 30, a monitoring device 36 requests the display control apparatus 24 to display a warning message 34 stored in advance in a storage device 32, in place of the displayed advertisement, or the like, on the display 20. The warning message 34 can be issued by an ultrasonic speaker.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a system for preventing the inappropriate use of an automated transaction device that may lead to a crime. [Background technology]

[0002] In order to prevent a special type of fraudulent activity known as bank transfer fraud, various technologies have been introduced that incorporate monitoring functions into automated transaction devices such as ATMs installed in financial institutions. For example, a system that monitors and warns users over a certain age who are using a mobile phone while operating an ATM (Patent Document 1), a system that acquires voice data using a mobile phone and warns against prolonged use (Patent Document 2), and a technology that performs image recognition of the use of a mobile phone by a user operating an ATM (Patent Document 3) have been introduced. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 5399675 [Patent Document 2] Patent No. 6114146 [Patent Document 3] Patent No. 6959704 [Patent Document 4] Patent No. 4371268 [Patent Document 5] JP 2005-33372 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, because ATMs are connected to the core systems of financial institutions such as banks and are expensive devices with high security, adding new functions to them requires a lot of work and development costs. The present invention has been made to solve these problems in the past. [Means for solving the problem]

[0005] The following configurations are each a means for solving the above problems. <Configuration 1> A digital signage display for displaying business information to users of the automated transaction device; a display control device that supplies content for displaying business information to the display; A camera that photographs a user approaching an automated teller machine; The system for preventing improper use of an automatic transaction machine is characterized by comprising a monitoring device which acquires an image taken by a camera before a user starts using the automatic transaction machine, analyzes the image, and when it is detected that the user is talking on a mobile phone or preparing to talk on a mobile phone, requests a display control device to display a warning message stored in advance in a storage device instead of displaying business information on the display.

[0006] <Configuration 2> A digital signage display for displaying business information to users of the automated transaction device; A camera is provided to photograph a user approaching the automated teller machine, This method for preventing improper use of an automatic transaction machine is characterized in that an image taken by a camera before a user starts using the automatic transaction machine is acquired, the image is analyzed, and when it is detected that the user is talking on a mobile phone or preparing to talk on the mobile phone, a warning message stored in advance in a storage device is displayed on the display instead of the business guide. <Configuration 3> A digital signage display for displaying business information to users of the automated transaction device; a display control device that supplies content for displaying business information to the display; A system including a camera for photographing a user approaching an automated teller machine, The system obtains an image captured by a camera before a user starts using the automated transaction device, analyzes the image, and when it detects that the user is talking on a mobile phone or preparing to talk on a mobile phone, instructs a display control device to display on the display a message stored in a storage device in advance instead of displaying a business guide. a computer program that causes a computer of the monitoring device to execute a process that requests the display of the stored attention message;

[0007] <Configuration 4> The system for preventing improper use of an automatic transaction device described in configuration 1 is characterized in that the monitoring device transmits the judgment result to a terminal device at a service center connected via a network, and by operating the terminal device, an automatic telephone is rung to enable advice to be given to the user. <Component 5> A system for preventing improper use of an automated transaction device as described in configuration 1, characterized in that it is equipped with an ultrasonic speaker which, when it is detected that a user is talking on a mobile phone or preparing to talk on a mobile phone, transmits to the user a voice warning message or an ultrasonic beam modulated by a buzzer or noise generator as a sound source.

[0008] <Component 6> A system for preventing improper use of an automatic transaction device as described in configuration 5, characterized in that an ultrasonic speaker is attached directly above the location where the automatic transaction device is operated and an ultrasonic beam is transmitted from the ultrasonic speaker directly below it. <Component 7> A system for preventing improper use of an automated transaction device as described in configuration 1, characterized in that when it is detected that a user is making a mobile phone call or preparing to make a mobile phone call, an unmodulated ultrasonic beam is transmitted to the user by an ultrasonic transmitter. <Component 8> A system for preventing improper use of an automatic transaction device as described in configuration 7, characterized in that the above-mentioned ultrasonic transmitter is attached directly above the location where the automatic transaction device is operated and an ultrasonic beam is transmitted directly below it. <Component 9> The system for preventing improper use of an automated teller machine as described in configuration 1 is characterized in that, when it is detected that a user is talking on a mobile phone or preparing to talk on a mobile phone, a transmitter that emits sound waves of 10 KHz or more is installed in the location where the automated teller machine is operated, thereby transmitting sound waves that disrupt the mobile phone conversation. <Component 10> A system for preventing improper use of an automatic transaction device as described in configuration 1, characterized in that a directional acoustic signal is emitted from an acoustic signal generator toward the floor from directly above the operating location of the automatic transaction device, or ultrasonic waves are reflected between opposing walls to form a limited non-talk area that prevents mobile phone calls. Effect of the Invention

[0009] It can detect calls made on mobile phones and display a message before the user begins operating the automated teller machine, preventing fraud before it happens. Because it is not linked to the operation of the automated teller machine, there is no need to link with the financial institution's core system, making development and control easier. Because it does not require high security, the hardware can be built inexpensively. It can actually prevent users from making calls on their mobile phones by using ultrasonic speakers, etc. [Brief description of the drawings]

[0010] [Figure 1] 1 is a schematic configuration diagram of a system for preventing improper use of an automated transaction device according to the present invention. [Diagram 2] FIG. 13 is an explanatory diagram of an example of a message displayed on a display. [Diagram 3] 1 is a flowchart showing an example of the operation of the system of the present invention. [Figure 4] FIG. 11 is a schematic configuration diagram of an inappropriate use prevention system according to a third embodiment. [Diagram 5] FIG. 11 is a configuration explanatory diagram of an apparatus used in Example 3. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Hereinafter, the embodiment of the present invention will be described in detail with reference to each example. EXAMPLES

[0012] In the inappropriate use prevention system 12 shown in Fig. 1, a digital signage display 20 is attached above the automated transaction device 14. This display 20 is for displaying business information such as advertisements to users 16 of the automated transaction device 14. The automated transaction device 14 is installed in financial institutions, convenience stores, etc., and is a device that allows transfer (remittance) operations. Various contents for displaying the business information are stored in a storage device 32. A display control device 24 selects and reads out the contents 22 stored in the storage device 32 at appropriate times, and controls the display on the display 20.

[0013] Here, the system of the present invention detects situations in which the user 16 may be instructed by a malicious person via mobile phone to perform a transfer operation. The camera 26 is for photographing the user 16 approaching the automated transaction device 14. The system of the present invention is a system that is completely independent of the automated transaction device 14. As it is not linked to the operation of the automated transaction device 14, there is no need to link with the financial institution's core system, making development and control easier. As a high level of security is not required, the hardware can be constructed inexpensively.

[0014] The monitoring device 36 first acquires an image captured by the camera 26 before the user 16 starts using the automated transaction device 14, and analyzes the image. For example, by using an AI (artificial intelligence) learning process, it can detect whether the user 16 is talking on the mobile phone 30 or preparing to talk on the mobile phone 30. When this state is detected, the monitoring device 36 requests the display control device 24 to display the attention message 34.

[0015] For example, some users carry out procedures while looking at passwords and transfer information stored on their mobile phones. Such users hold their mobile phones differently from users who are about to make a call on their mobile phones. The system detects the user's head and mobile phone (such as a smartphone) from the captured image, and determines that a call is in progress when the mobile phone is positioned next to the user's head for a set period of time or longer. The accuracy of image recognition of the user's head and mobile phone can be improved through AI learning. This will eliminate the need to display warning messages to all users who own mobile phones.

[0016] The display control device 24 selects and displays the attention-calling message 34 specified by the monitoring device 36 stored in the storage device 32 in place of the business guide display that has been displayed on the display 20 up until now.

[0017] For example, as shown in Fig. 2, a message 34 such as "Please refrain from operating the ATM while talking on a mobile phone. If you have any questions, please ask a staff member using the built-in phone" is displayed. Phone calls unrelated to the operation of the automated transaction device 14 are a nuisance to other users in the vicinity. Operating the automated transaction device 14 while listening to operation instructions on a mobile phone may expose you to a bank transfer scam. If you are unfamiliar with how to operate the device, it is best to have the user use the built-in autophone 28, so this type of message 34 is used to warn the user.

[0018] Before the user 16 starts using the automated transaction device 14, it is necessary to obtain an image captured by the camera 26 and display a message. At the same time, a voice message may be played. Generally, a user 16 who is guided by another person to operate the automated transaction device using a mobile phone 30 will always have the mobile phone 30 ready before operating the automated transaction device 14. As they approach the automated transaction device 14 or stand in front of it, they will take out the mobile phone 30 and prepare to make a call. It is advisable to detect this action and call the user's attention.

[0019] There is a risk that the transfer process cannot be blocked once the user 16 has started to operate the automated transaction device 14. Moreover, once the user 16 starts to operate the automated transaction device 14, he or she will concentrate on the operation screen of the automated transaction device 14 and will not look at the digital signage display 20. Therefore, in this system, the status is judged and a message is displayed before the user 16 starts to operate the automated transaction device 14.

[0020] That is, the judgment process of the captured image must be performed before the operation of the automated transaction device 14 is started. If the system is independent of the automated transaction device 14, the judgment is made only by image analysis, so that installation and management are easy. The processing speed can also be increased. The display of the message may be continued until the operation of the automated transaction device 14 is started.

[0021] Image analysis may be used to determine the characteristics (age and sex) of the user 16 to distinguish the type of message. When an autophone is in use, there is no need to display the message. From the outside, it is difficult to distinguish this from when talking on a mobile phone. To make this distinction, it is a good idea to attach a mark on the autophone that can be recognized by image.

[0022] Even after the automated transaction device 14 starts to be used, the user can continue to be photographed to detect, for example, abnormal operations or long periods of use. Separate messages can be prepared for each of these detection results. A sound such as a voice or a chime can also be emitted to draw attention to the display 20.

[0023] Both the camera 26 and the speaker 42 can be integrated with the display 20, making installation and movement easy. Although this leads to crime prevention, it is preferable to avoid warning messages, since the purpose is to improve customer service. This system can also be installed in stores where staff are not present. It can be adopted as part of the service for users who are unfamiliar with the operation of automated transaction devices.

[0024] For example, whether the above-mentioned message is displayed or not, the monitoring device is connected through a network 40 (FIG. 1) and transmits the judgment result to an operator terminal device of a service center 38 that provides remote guidance, and for example, a call button may be enabled and operated at the discretion of the operator to ring the automatic telephone 28 of the automated transaction device and provide advice to the user. In this system, a required number of displays may be installed above multiple automated transaction devices, and the display control device 24 and monitoring device 36 may be shared to collectively control multiple displays. EXAMPLES

[0025] Next, an example of the operation of a computer program used in the system of the present invention will be described with reference to FIGS. In step S11, display control of the content 22 for business guidance is performed. This process is continuously executed by the display control device 24 by reading the content 22 stored in the storage device 32. Step S12 is a process that proceeds simultaneously with step S11. The camera 26 continuously captures images in front of the automated transaction device. In step S13, the monitoring device 36 performs image analysis of the captured images.

[0026] In step S14, the monitoring device 36 judges whether or not the user 16 has been detected. If the result of this judgment is yes, the process proceeds to step S15, and if the result is no, the process returns to step S11. In step S15, the monitoring device 36 judges whether or not the mobile phone has been detected and whether or not a call has been made on the mobile phone. If the result of this judgment is yes, the process proceeds to step S16, and if the result is no, the process returns to step S11.

[0027] In step S16, the monitoring device 36 judges the characteristics of the user. In step S17, a message 34 is selected according to the result of the judgment. In step S18, the display control device 24 stops displaying the business guide. In step S19, the display control device 24 displays the selected message 34. In step S20, the result of the judgment is notified to the service center.

[0028] All the judgment results may be stored in the storage device 32, or only those related to the user who needs advice and support may be transmitted to the terminal device of the service center, instead of all the judgment results. Even after the user starts using the automated transaction device, monitoring may be continued, and a message for calling attention may be displayed as necessary. EXAMPLES

[0029] The ultrasonic speaker is a tool that allows you to speak to only the intended recipient of information, as described in, for example, Patent Document 4 and Patent Document 5. Therefore, when it is detected that a user is talking on a mobile phone or preparing to talk on a mobile phone, by using the ultrasonic speaker, it is possible to transmit a voice message to only this user to call his / her attention.

[0030] FIG. 4 shows an example in which an ultrasonic speaker is attached above the head of the user 16. As shown in this figure, an ultrasonic speaker 50 is attached to the ceiling or the like directly above the operating location of the automated transaction device 14, and an ultrasonic beam is emitted directly below it. For example, it is advisable to emit a highly directional ultrasonic beam modulated using the above-mentioned attention message as a sound source. The ultrasonic beam is reflected by the floor and ceiling and is irradiated intensively around the operating location of the automated transaction device 14. Shadows are unlikely to be formed on the ears of the user 16, so the message can be delivered reliably. In addition, it is possible to prevent the message from being received by a third party due to unnecessary reflections.

[0031] Even so, depending on the surrounding environment, the ultrasonic beam may be reflected in an unintended direction and the voice may reach a third party. In that case, instead of sending a voice message to the user, it is better to send noise that can disrupt mobile phone conversations. For example, a buzzer or noise generator can be used as the sound source input to the ultrasonic transmitter.

[0032] Furthermore, an ultrasonic beam of a frequency that cannot be heard by the user may be transmitted by an ultrasonic transmitter alone without a modulator. The microphone of a mobile phone will react to unmodulated ultrasonic waves if the sound pressure is high. Even if the ultrasonic wave is unmodulated, noise generated by the ultrasonic transmitter itself will be input to the microphone of the mobile phone at the same time. Continuous input of high sound pressure ultrasonic waves will disrupt mobile phone conversations.

[0033] FIG. 5(a) is a block diagram of an ultrasonic speaker, in which a sound source 52 is input to a modulator 54. An ultrasonic transmitter 56 transmits a modulated ultrasonic beam 58. In contrast, the device shown in FIG. 5(b) is structured such that the ultrasonic transmitter 56 is driven by a power supply 60 and the switch is simply turned on and off. When the monitoring device 36 detects that the user is talking on a mobile phone or preparing to talk on a mobile phone, it simply switches on the power supply 60. As is well known, the directionality and sound pressure can be increased by arranging multiple ultrasonic transmitters 56 in an array.

[0034] In other words, if an ultrasonic transmitter transmits an unmodulated ultrasonic beam to a mobile phone, it is possible to disrupt the conversations of users of automated teller machines using mobile phones. This makes it possible to disrupt only the conversations of specific mobile phones without sounds audible to the human ear reaching the surrounding area.

[0035] In this case, the user will not understand why they suddenly cannot make calls on their mobile phone. However, they will understand if they see a warning message on the display that indicates that the mobile phone calling function has been restricted. This can reliably prevent inappropriate use of the automated transaction device without causing any confusion.

[0036] Moreover, in either of the above cases, there are no adverse effects such as those caused by jamming radio waves intended to disrupt the use of mobile phones. There is no impact on actions such as using a mobile phone as a memo to operate an automated teller machine.

[0037] The oscillation frequency of ultrasonic transmitters used in commercially available ultrasonic speakers is around 40KHz. However, even in the frequency band close to the upper limit of the audible range of 10KHz to 20KHz, it is possible to emit relatively directional sound waves. Therefore, even with this, it is possible to transmit sound waves from above the user's head directly downward, minimizing the impact on the surrounding area while disrupting mobile phone calls.

[0038] In the demonstration experiment, an ultrasonic speaker with a transmission frequency of 40KHz was used. This ultrasonic speaker has 50 ultrasonic band transducers connected in parallel. It has high directivity, and when a microphone is connected to the input terminal, it is capable of speaking to people up to 10m away. This ultrasonic speaker was placed 1.5m directly above the mobile phone, facing directly downward.

[0039] Without connecting a sound source such as a microphone, the power was turned on without modulation, and changes in the volume of a mobile phone during a call were examined. When ultrasonic transmission began, a loud noise was introduced into the receiving mobile phone, disrupting the call. If modulation processing is not required, then neither a sound source nor a modulator is necessary, and control can be achieved simply by turning the power on and off, making it possible to realize an extremely simple acoustic signal generator. This has the advantages of being not only low cost, but also low power consumption and stable operation.

[0040] If such a directional acoustic signal is emitted from directly above the place where the automated teller machine is operated toward the floor, a limited non-talking area can be created. Also, if there are walls on the left and right sides of the automated teller machine, ultrasonic waves can be reflected horizontally between the opposing walls to create a limited non-talking area.

[0041] Typically, an acoustic signal generator is composed of an oscillation circuit and a transmitter. For higher sound ranges, a piezoelectric element or similar is used in the transmitter. The oscillator circuit is preferably one that generates a sine wave or square wave with a fundamental wave of 10KHz to 50KHz. The range of 10KHz to 20KHz is near the upper limit of the audible range, so even a small output can cause a mobile phone microphone to react and disrupt calls. Anything above 20KHz is inaudible to the human ear, so mobile phone microphones do not react to fundamental waves. However, high sound pressure and the inclusion of noise components other than the fundamental wave can disrupt mobile phone calls. Mobile phones do not react if the frequency exceeds 50KHz.

[0042] The above-mentioned acoustic signal transmission circuit does not emit radio waves that affect surrounding electronic devices. Also, sound waves above the upper limit of the audible frequency are highly directional and do not spread to the surroundings. Furthermore, if the sound waves are reflected by a wall or the like, they can be confined to a small area. Moreover, sound waves above the upper limit of the audible frequency do not cause discomfort to the ears of people in the vicinity. This has the effect of not affecting activities other than mobile phone conversations. [Explanation of symbols]

[0043] 12. Inappropriate Use Prevention System 14 Automatic transaction equipment 16 User 20 Display 22 Contents 24 Display control device 26 Camera 28 Autophone 30 Mobile Phones 32 Storage device 34 Messages 36 Monitoring equipment 38 Service Center 40 Network 42 Speaker 50 Ultrasonic Speaker 52 Sound Source 54 Modulator 56 Ultrasonic transmitter 58 Ultrasonic Beam 60 power supply

Claims

1. A digital signage display for displaying business information to users of the automated transaction device; a display control device that supplies content for displaying business information to the display; A camera that photographs a user approaching an automated teller machine; a monitoring device which acquires an image taken by a camera before a user starts using the automated transaction device, analyzes the image, and when it is detected that the user is talking on a mobile phone or preparing to talk on a mobile phone, requests the display control device to display a warning message stored in advance in the storage device instead of displaying a business guide on the display, and transmits an unmodulated ultrasonic beam from an ultrasonic transmitter to the user. A system for preventing inappropriate use of an automated transaction device, comprising:

2. 2. The system for preventing improper use of an automatic transaction device as described in claim 1, characterized in that the ultrasonic transmitter is attached directly above the location where the automatic transaction device is operated, and an ultrasonic beam is transmitted directly below it.

3. The system for preventing improper use of an automatic transaction device as described in claim 1, characterized in that when it is detected that a user is talking on a mobile phone or preparing to talk on a mobile phone, a transmitter that emits sound waves of 10 KHz or more is installed in the location where the automatic transaction device is operated, thereby transmitting sound waves to disrupt the mobile phone conversation.

4. The system for preventing improper use of an automatic transaction device as described in claim 1, characterized in that a directional acoustic signal is emitted from an acoustic signal generator toward the floor from directly above the operation location of the automatic transaction device, or ultrasonic waves are reflected between opposing walls to form a limited non-talk area that prevents mobile phone calls.

Images