Exchange system and exchange method

Abstract

To enable an appropriate currency exchange business with an exchange limit to be carried out when a currency exchange system in which anti-money laundering measures are taken has a plurality of currency exchange machines managed by the same currency exchanger. [Solution] The agent server 42 includes a control unit 42a and a log information storage unit 42b. The control unit 42a causes each currency exchanger 10 to perform a response process to refuse currency exchange when a specific customer identified based on read-out personal identification information read from the IC card reader 16 of each currency exchanger 10 is a person subject to predetermined economic sanctions. The log information storage unit 42b stores log information as stored log information linking the read-out personal identification information of each currency exchanger 10, the content of the response process instructed to each currency exchanger 10 for the specific customer, the date and time the response process was performed, and the exchanger ID of each currency exchanger 10.

Description

[Technical Field]

[0001] The present invention relates to a currency exchange system and a currency exchange method for exchanging foreign currency into local currency and vice versa. [Background technology]

[0002] Patent Document 1 discloses a currency exchange system that equips a currency exchange machine with a passport reader, reads personal identification information from the passport presented by the customer, identifies the customer, and limits the amount and number of exchanges for the same customer. This currency exchange system also refuses to exchange currency if it is determined that the customer is included in a blacklist based on the customer's personal identification information as an anti-money laundering measure. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2020-181329 Summary of the Invention [Problem to be solved by the invention]

[0004] The currency exchange system in Patent Document 1 only limits the exchange amount for the same customer to a single currency exchange machine. Therefore, when the same currency exchanger operates currency exchange services using multiple currency exchange machines, there is a risk that the same customer may exchange money using multiple currency exchange machines operated by the same company, resulting in an exchange exceeding the limit across all of the multiple currency exchange machines.

[0005] The object of the present invention is to provide a currency exchange system and a currency exchange method that can appropriately perform currency exchange operations with exchange restrictions across multiple currency exchange machines managed by the same currency exchange company while taking measures against money laundering. [Means for solving the problem]

[0006] The currency exchange system of the present invention comprises: a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa; an information processing device that causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine; A currency exchange system comprising: The information processing device includes: a control unit that causes each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identification information when the specific customer falls under a person who is subject to predetermined economic sanctions; and a log information storage unit that stores, as stored log information, log information that links the read individual identifying information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine; It is equipped with:

[0007] The currency exchange method of the present invention comprises: a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa; an information processing device including a computer, which causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine; A currency exchange method applied to a currency exchange system comprising: The computer, a step of causing each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identifying information when the specific customer falls under a person who is subject to predetermined economic sanctions; storing, as retained log information, log information linking the read individual identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine; Execute the following. [Effects of the Invention]

[0008] According to the present invention, as an anti-money laundering measure, when a specific customer identified in each currency exchange machine based on the read-out personal identifying information falls under a specific person subject to economic sanctions, each currency exchange machine can be caused to execute a response process to refuse to exchange currency for the specific customer. Furthermore, log information linking the read-out personal identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response to the specific customer, the date and time of the response process, and the exchange machine ID serving as an identifier for each currency exchange machine is stored as retained log information. Therefore, by utilizing these multiple retained log information, it is possible to appropriately perform currency exchange operations with exchange restrictions across the multiple currency exchange machines. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a schematic front view of a currency exchange machine. [Figure 2] FIG. 1 is a diagram illustrating the configuration of an Internet system including a currency exchange system. [Figure 3]FIG. 1 is an explanatory diagram illustrating a customer exchanging foreign currency into local currency at a currency exchange machine. [Figure 4] FIG. 1 is an explanatory diagram illustrating a customer exchanging local currency into foreign currency at a currency exchange machine. [Figure 5] 10 is a flowchart of a response process executed by a currency exchange machine in response to a currency exchange request from a customer. [Figure 6] 10 is a flowchart of a process executed by a merchant server to instruct a currency exchange machine. [Figure 7] 10 is a flowchart of a customer ID integration process 1 executed by a trader server. [Figure 8] 10 is a flowchart of a customer ID integration process 2 executed by the merchant server. [Figure 9] 7 is a flowchart of the main part of the instruction process in which measures to prevent abuse of the reverse exchange type by specific customers are added to the instruction process of FIG. 6. DETAILED DESCRIPTION OF THE INVENTION

[0010] Hereinafter, embodiments of the present invention will be described. The present invention is not limited to the embodiments. The present invention encompasses configurations equivalent to modifications, additions, or deletions made to the embodiments by a person skilled in the art within the scope of the technical concept of the present invention.

[0011] (currency exchange machine) 1 is a schematic diagram showing a front view of a currency exchange machine 10. Currency exchange machines 10 are installed, for example, at head offices and branches of financial institutions such as banks, as well as at facilities frequented by many tourists and business travelers, such as airports and tourist facilities. This currency exchange machine 10 is capable of exchanging not only foreign currency into local currency, but also local currency into foreign currency.

[0012] A customer wishing to exchange currency (hereinafter, a customer before being identified as a specific individual using the personal identification information described below will be referred to as "Customer Ca") first inserts his / her IC card 50 (Figure 3) into IC card reader 16 or inserts passport 56 (Figure 3) into passport reader 28, which is an image scanner.

[0013] The IC card reader 16 reads data including personal identification information stored in the IC chip 52 of the IC card 50 (FIG. 3).

[0014] In response to this, the passport reader 28 reads the personal identification information printed on the passport 56 as an image and converts it into text data using OCR (Optical Character Recognition / Reader). When the passport 56 is opened, it occupies the area of ​​two pages, the left and right pages. The image scanner of the passport reader 28 is large enough to scan the area of ​​one page of the passport 56, so the customer Ca opens the passport 56 and inserts the page containing the passport number into the passport reader 28, which then reads the personal identification information of the customer Ca.

[0015] When the IC card 50 is inserted into the IC card reader 16 or the passport 56 is inserted into the passport reader 28, various information and menu screens are displayed on the display 12, and the customer Ca selects the desired attribute number on the display 12 screen using the numeric keypad 18, and selects and instructs the currency exchange machine 10 to perform the desired process for this exchange.

[0016] The IC card 50 is, for example, a bank cash card with an IC chip, a driver's license with an IC chip, a credit card with an IC chip, or a My Number card. The passport 56 inserted into the passport reader 28 may have or may not have an IC chip. The IC card reader 16 and the passport reader 28 correspond to the personal identification information reader of the present invention.

[0017] Because passports 56 with IC chips are different in size from IC cards 50, it is not possible to read the data on the IC chips of passports 56 with IC chips from IC card reader 16. In order to directly read data from the IC chips of passports 56 with IC chips, an IC chip reader that reads data from the IC chips of passports 56 with IC chips can be added to currency exchange machine 10 specifically for passports 56 with IC chips. Data read from an IC chip reader specifically for passports 56 with IC chips can be processed in the same way as data on IC chip 52 of IC card 50 read from IC card reader 16.

[0018] Furthermore, banks and credit card companies have customers who have magnetic stripe cash cards or magnetic stripe credit cards instead of IC cards 50. To enable currency exchange using currency exchange machine 10 for such customers, currency exchange machine 10 may be equipped with a magnetic stripe card reader that can read the magnetic stripe data of a magnetic stripe card, either together with IC card reader 16 or separately from IC card reader 16, or a magnetic stripe data reading function may be added to IC card reader 16.

[0019] The IC card 50 and magnetic stripe card are collectively referred to as "cards with storage media." The information stored in the magnetic stripe, which serves as the storage media for magnetic stripe cards, includes the customer's personal identification information.

[0020] The banknotes and coins that customer Ca wishes to exchange are inserted into the banknote insertion slot 20 and coin insertion slot 24, respectively. The banknotes or coins that are exchanged are discharged from the banknote discharge slot 22 and coin discharge slot 26, respectively. When the exchange process for customer Ca is completed, a receipt is discharged from the receipt discharge slot 14, on which information regarding the details of the exchange process is printed, and customer Ca can use this receipt to verify the exchange.

[0021] This currency exchange machine 10 can accept coins as well as banknotes as the currency to be exchanged and the currency to be exchanged after the exchange, but it may also be configured to accept only banknotes. In that case, the coin insertion slot 24 and the coin discharge slot 26 are removed from the currency exchange machine 10. Also, it is possible to configure the currency exchange machine 10 to accept coins only when the local currency (yen) is selected as the currency to be exchanged after the exchange, and to remove the coin insertion slot 24 from the currency exchange machine 10 and leave only the coin discharge slot 26.

[0022] (Exchange system) FIG. 2 is a configuration diagram of an Internet system 40 including a currency exchange system 48. Currency exchangers 10a, 10b, ..., 10n refer to n (n is plural) currency exchangers 10 managed by the same currency exchanger (hereinafter, for convenience of explanation, the currency exchanger will be referred to as "currency exchanger Ba") and are deployed in multiple different locations (e.g., within each store of the head office or branch of currency exchanger Ba and outside the store under the jurisdiction of the head office or branch). It should be noted that currency exchanger Ba may be a financial institution such as a bank or a specialized currency exchanger, and may have multiple currency exchangers 10 in the same location (e.g., the same store or the same facility). Each of the n currency exchangers 10 is assigned a currency exchanger ID as an identifier for mutual identification.

[0023] The economic sanctions information holding server 44 is operated by a designated government agency or quasi-government agency (e.g., JCIF (Center for International Financial Information)). The n currency exchange machines 10, the trader server 42 of trader Ba, and the economic sanctions information holding server 44 are connected to the Internet 46. The n currency exchange machines 10 and the trader server 42 constitute a currency exchange system 48 according to an embodiment of the present invention. The economic sanctions information holding server 44 may or may not be included as a component of the currency exchange system 48.

[0024] The agent server 42 further has a control unit 42a and a log information storage unit 42b. The control unit 42a instructs the currency exchange machine 10 on the response content to execute the corresponding response processing in response to the exchange request made by the customer Ca to the currency exchange machine 10. The log information storage unit 42b stores log information Li2, which will be described later, in its own DB (database). The agent server 42 is also capable of sending and receiving information necessary for the exchange business via the Internet 46 with organizations, including affiliated and associated financial companies, in addition to the economic sanctions information storage server 44.

[0025] (Exchange foreign currency into local currency) 3 is an explanatory diagram of customer Ca exchanging foreign currency for local currency at currency exchange machine 10. This currency exchange machine 10 can exchange multiple types of foreign currency, such as U.S. dollars, euros, Chinese yuan, and South Korean won. In this example, the local currency is "yen."

[0026] When exchanging currency, customer Ca inserts his / her IC card 50 into IC card reader 16. IC card 50 has an IC chip 52 built in.

[0027] If the IC card 50 is a bank cash card with an IC chip 52 or a credit card with a cash withdrawal function, the customer Ca can receive the exchanged local currency as cash, or can deposit the exchanged currency into a bank account associated with the IC card 50, or apply it to a repayment to a credit card company. The customer Ca can select the destination for the exchanged currency from the menu screen of the display 12. Note that bank cash cards with an IC chip 52 or credit cards with a cash withdrawal function are typically issued by the business operator Ba itself or by a financial company that has an affiliated relationship with the business operator Ba (the same applies to the case shown in Figure 4 below).

[0028] (Exchange of local currency into foreign currency) 4 is an explanatory diagram when a customer Ca exchanges local currency for foreign currency in the currency exchange machine 10. The customer Ca inserts his / her IC card 50 into the IC card reader 16.

[0029] If the IC card 50 is a bank cash card with an IC chip 52 or a credit card with a cashing function, the customer Ca can insert cash into the bill insertion slot 20 or the coin insertion slot 24 as the local currency before exchange, or can use deposits or cashing in a bank account associated with the IC card 50 as the currency to be exchanged. The customer Ca can select the source of the currency to be exchanged from the menu screen on the display 12.

[0030] (Currency exchange machine response processing) Figure 5 is a flowchart of a response process executed by the currency exchange machine 10 in response to a currency exchange request from a customer. This response process is executed by a computer implemented in the currency exchange machine 10. In the following explanation of each step, although strictly speaking the subject is a computer, for the sake of simplicity, the explanation will be given assuming that the subject is the currency exchange machine 10. The currency exchange machine 10 starts the process of Figure 5 when the IC card reader 16 or the passport reader 28 is activated.

[0031] In STEP 100, the currency exchange machine 10 determines whether the personal identification information reader that reads the presentation medium presented by the customer Ca is the IC card reader 16 or the passport reader 28. If the personal identification information reader is the IC card reader 16, the currency exchange machine 10 proceeds to STEP 102, and if the personal identification information reader is the passport reader 28, the currency exchange machine 10 proceeds to STEP 104.

[0032] In STEP 102, the currency exchange machine 10 reads the personal identification information stored as data in the IC chip 52 of the IC card 50 using the IC card reader 16. In STEP 104, the currency exchange machine 10 reads the personal identification information printed on the passport 56 using the passport reader 28. In the reading in STEP 104, the personal identification information printed on the passport 56 is converted into text data using OCR software.

[0033] Although there are some differences depending on the type of IC card 50 and the issuer, the data read from the IC chip 52 of the IC card 50 reveals the following common attributes: (a1) name, (a2) address, (a3) ​​date of birth, (a4) gender, (a5) nationality, and (a6) ID (for example, the personal number on a My Number card and the license number on an IC driver's license are unique and can be used as a customer ID). Even if these common attributes are not directly read from the IC chip 52, attributes that can be indirectly obtained by referencing the customer database owned by the business operator Ba based on the directly read attribute information can also be included in the attributes of personally identifiable information.

[0034] In some IC cards, other attributes such as (a7) a photograph of the customer may be directly or indirectly obtained (e.g., a driver's license with an IC chip). By additionally equipping the currency exchange machine 10 with a camera, it is possible to determine whether the customer Ca is the genuine owner of the IC card 50 through facial recognition. In addition, the photograph of the customer itself can be used alone as a customer ID.

[0035] The personal identification information of the passport 56 read from the passport reader 28 includes the attributes (b1) name, (b2) address, (b3) date of birth, (b4) gender, (b5) nationality, and (b6) ID (passport number), and further includes other attributes (b7) expiration date and (b8) issue date. The passport number of the passport 56 can be used alone as a customer ID.

[0036] As personal identification information, each pair of (a1)-(a5) and (b1)-(b5) has the same attribute, and the personal identification information of customer Ca can be determined from both (a1)-(a5) and (b1)-(b5).

[0037] In STEP 106, the currency exchange machine 10 acquires the specific exchange details specified by the customer Ca for this exchange. The customer Ca can specify the exchange details using the numeric keypad 18 from the items displayed on the selection menu screen of the currency exchange machine 10 (e.g., currency before exchange, currency after exchange, source and destination of allocation, etc.).

[0038] In STEP 108, the currency exchange machine 10 transmits log information Li1 to the agent server 42. Log information Li1 is linked to the personal identification information read in STEP 102 or STEP 104, various attribute information (e.g., exchange amount, etc.) acquired in STEP 106, and additional information. The additional information includes, for example, the type of IC card 50 (e.g., cash card or credit card), the issuing company of the IC card 50, whether the current exchange is from foreign currency to local currency or from local currency to foreign currency, the currency exchange machine ID as the ID of the currency exchange machine 10, and the transmission date and time. The reading date and time in STEP 102 or STEP 104, which is considered to be substantially the same as the transmission date and time, may be used instead of the transmission date and time.

[0039] In STEP 110, currency exchange machine 10 waits to receive instruction Da from merchant server 42. Upon receiving instruction Da, currency exchange machine 10 proceeds to STEP 112.

[0040] In STEP 112, the currency exchange machine 10 executes the currency exchange process corresponding to the instruction Da. The content of the instruction Da will be explained in the following FIG.

[0041] (Processing instructions from vendor server) 6 is a flowchart of the instruction process executed by the agent server 42 to issue instructions to the currency exchange machine 10. In detail, the instruction process is executed by a computer installed in the agent server 42, but for ease of explanation, the subject of each process below will not be described as the computer of the agent server 42, but will be simply described as the agent server 42. The agent server 42 starts the instruction process when it receives log information Li1 from any of the currency exchange machines 10.

[0042] In STEP 120, the agent server 42 determines whether or not the log information Li1 has been received. If the log information Li1 has been received, the process proceeds to STEP 122; if not, the process ends.

[0043] In STEP 122, the trader server 42 identifies the customer Ca based on the received log information Li1 (specifically, the attributes related to the personal identification information among the attributes in the log information Li1). Hereinafter, the identified customer is referred to as a specific customer Pa.

[0044] In STEP 124, the trader server 42 determines whether the specific customer Pa is a person subject to sanctions. If the determination is affirmative, the trader server 42 changes the instruction Da to instruction Da24 and proceeds to STEP 140; if the determination is negative, the trader server 42 proceeds to STEP 126.

[0045] Instruction Da24 expands the content of instruction Da to instruct that the exchange be refused because specific customer Pa is a person subject to sanctions.

[0046] The initial value of the instruction Da is set as the instruction Dai when the instruction process of Fig. 6 is started. When the instruction process of Fig. 6 is started, not only the instruction Da but also certain parameters are reset to their initial values. The instruction Dai instructs the currency exchange machine 10 to permit the currency exchange to be carried out in accordance with the details specified by the specific customer Pa for this currency exchange. When the instruction Da passes through STEP 138 (described later) with a negative determination, the instruction Da in the next STEP 140 is maintained at the initial value of the instruction Dai.

[0047] The determination of whether a specific customer Pa is a sanctioned party will now be explained in detail. An example of an economic sanctions information server 44 is a server managed by the Japan Center for International Finance (JCIF). JCIF publishes a list of sanctioned parties, i.e., individuals and organizations designated as targets of economic sanctions measures such as asset freezes under the Foreign Exchange and Foreign Trade Act. Specifically, from this list, based on a notice issued by the Ministry of Foreign Affairs, it is possible to identify information such as (c1) name, (c2) address, (c3) date of birth, and (c5) nationality of the sanctioned party. Attributes (c1)-(c5) correspond to the attributes (a1)-(a5) described above.

[0048] In addition, (c4) gender is usually omitted from the list. Also, (c2) address / location information is often only disclosed at the beginning (for example, only the country, or only the country and city / town / village) rather than the entire address / location. Economic sanctions such as asset freezes under the Foreign Exchange and Foreign Trade Act require certain individuals to be prohibited from exchanging currencies in order to prevent money laundering and terrorist financing.

[0049] The dealer server 42, which is also a computer, references the sanctioned party list in the judgment of STEP 124 by accessing the sanctioned party information of the JCIF (Center for International Financial Information) mentioned above periodically or whenever there is an update as a search engine for the automatic inquiry system for sanctioned parties within the dealer server 42, pre-storing it in its own memory device and referencing it, or by downloading Excel data uploaded to the Ministry of Finance website, partially changing the format (e.g., changing full-width characters to half-width characters and underscores to spaces), pre-storing it in its own memory device and referencing it.

[0050] In STEP 124, if the specific customer Pa is listed in the referenced list of punishers, the trader server 42 determines that the specific customer Pa is a punisher. In detail, the trader server 42 determines whether there is a match in content between the same attributes (a1)-(a5) or (b1)-(b5) and (c1)-(c5) described above, and if all or part of a predetermined number of attributes match, it can determine that the specific customer Pa is a punisher.

[0051] The trader Ba can independently determine which specific attributes to use when determining that a specific customer Pa is a person to be punished if some attributes match. However, to enhance the effectiveness of money laundering prevention, it may be possible to immediately determine that a specific customer Pa is a person to be punished if, for example, at least the name as an attribute matches. Priorities may be set in advance in the trader server 42 in the order of name, nationality, and date of birth, and each trader Ba may be able to determine which attributes to select as attributes for matching in order of priority. Furthermore, when the text in (a1)-(a5) and (b1)-(b5) is in Japanese (e.g., katakana), it is converted to Roman characters before determining whether it matches the English text in (c1)-(c5).

[0052] When the dealer server 42 determines multiple attributes in the order of priority described above and determines whether the specific customer Pa is the same as a person on the blocked list based on these multiple attributes, it may happen, although this is extremely rare, that the specific customer Pa matches the attribute with the highest priority on the list, but the blocked list is blank or unknown for the other lower-ranked attributes, making it impossible for the dealer server 42 to determine whether they are the same. In such a case, the currency exchange system 48 displays a message such as "Please exchange at the counter" on the screen of the display 12 of the currency exchange machine 10, thereby guiding the specific customer Pa to exchange at the counter from the currency exchange machine 10.

[0053] "Consistency" does not mean that the text is completely identical, but rather that if it is determined to be identical based on a predetermined standard, it is determined to be substantially identical. In this case, a specific customer Pa may be identified as a penalizer even though he or she is not. However, since there are very few penalizers on the penalizer list for business Ba, the probability of a misidentification occurring is low, and the inconvenience to customer Ca due to a misidentification is extremely small.

[0054] In STEP 126, the agent server 42 determines whether the nationality of the specific customer Pa is a restricted nationality. If the determination is affirmative, the agent server 42 sets the instruction Da to instruction Da26 and proceeds to STEP 140; if the determination is negative, the agent server 42 proceeds to the next STEP 128.

[0055] The instruction Da26 instructs the currency exchange machine 10 to refuse to exchange currency with the specific customer Pa because the specific customer Pa has a restricted nationality.

[0056] The U.S. Office of Foreign Assets Control (OFAC) has designated countries such as the Democratic People's Republic of Korea, Iran, and Syria as restricted countries, and if specific customer Pa is a national of one of these restricted countries, specific customer Pa will be determined to be a customer of restricted nationality. Information on restricted nationalities is provided, for example, by the aforementioned JCIF.

[0057] In STEP 128, the agent server 42 references log information Li2 in its own DB. As will be described later in STEP 142, the log information Li2 links the log information Li1 with the information of +β. +β includes information of the instruction Da that the agent server 42 instructed in STEP 140 to the currency exchange machine 10 that received the log information Li1 in STEP 120.

[0058] Furthermore, the agent server 42 does not set the various exchange restrictions such as the period, number of times, amount, etc. for the specific customer Pa after STEP 130 for each of the multiple currency exchangers 10a, 10b, ..., 10n individually, but must process them as set values ​​for the common period, total number of times, and total amount applied to all of them. Therefore, the log information Li2 that the agent server 42 refers to in STEP 128 is not only the log information Li2 for the current currency exchanger 10 that received the log information Li1 in STEP 120, but also the log information Li2 from all currency exchangers 10 involved with the specific customer Pa.

[0059] The agent server 42 can know the currency exchange performance of the specific customer Pa for at least the most recent fixed period T28 by referring to the log information Li2 in its own DB.

[0060] The following description of steps 130-138 is for a process dedicated to either the foreign currency to local currency exchange process E1 or the local currency to foreign currency exchange process E2. The set values ​​for the periods T30, T32, T36, and T38, the number of times N32, and the amounts M36 and M38 described in steps 130-138 can be set independently for the exchange process E1 or E2. Therefore, the set values ​​for corresponding attributes in the exchange processes E1 and E2 may be set to the same value or different values.

[0061] Before proceeding to processing STEP 130, the dealer server 42 obtains the setting values ​​of the corresponding periods T30, T32, T36, T38, number of times N32, and amounts M36, M38, etc., depending on whether the exchange process E1 or E2 is to be performed, by reading them from its own storage device.

[0062] Furthermore, in this embodiment, the set value of the amount in STEPs 130-138 is set as the amount converted into the local currency (yen) regardless of whether exchange processing E1 or E2 is performed. Also, the upper limit of the exchange amount is set as an amount including the exchange fee in principle, but it may be set as the actual exchange amount excluding the fee.

[0063] In STEP 130, the trader server 42 determines whether the current exchange for the specific customer Pa is within the time limit T30. If the determination is affirmative, the trader server 42 changes the instruction Da to instruction Da30 and proceeds to STEP 140; if the determination is negative, the trader server 42 proceeds to STEP 132.

[0064] The instruction Da30 instructs that the current exchange for the specific customer Pa should be rejected because the current exchange falls within the time limit T30. Note that this time limit T30 may be set as a period only for the current currency exchange machine 10 in which the specific customer Pa is attempting to exchange money. Alternatively, it may be set as a period for all currency exchange machines 10 under the management of the service provider Ba. Note that when the period T30 is set as a period only for the current currency exchange machine 10, it may be set to be shorter than the period T30 set as a period for all currency exchange machines 10 under the management of the service provider Ba.

[0065] The period T30 (e.g., 10 days) of the time limit for currency exchange is a period during which currency exchange is refused for the same customer from all of the currency exchange machines 10 of the business Ba. For example, if a specific customer Pa exchanges currency at one of the currency exchange machines 10 of the business Ba on date (including year) D1, currency exchange for the specific customer Pa will be refused from all of the currency exchange machines 10 of the business Ba during the period T30 from the day following D1, including the day following D1.

[0066] In STEP 132, the dealer server 42 determines whether the current exchange for the specific customer Pa exceeds the limit number N32 of exchanges within the period T32. If the determination is affirmative, the dealer server 42 changes the instruction Da to instruction Da32 and proceeds to STEP 140; if the determination is negative, the dealer server 42 proceeds to the next STEP 136.

[0067] The instruction Da32 specifies that the instruction Da should be rejected because the current exchange for the specific customer Pa exceeds the limit number N32.

[0068] The limit on the number of currency exchanges means that the number of currency exchanges that a customer can make from all of the currency exchange machines 10 of the service provider Ba within a period T32 (e.g., one day) including the day of the current currency exchange is limited to an upper limit number N32 (e.g., one time). Note that the upper limit number N32 within the period T32 may be set as the upper limit number only for the currency exchange machine 10 that the specific customer Pa is trying to exchange, or may be set as the upper limit number for all of the currency exchange machines 10 under the management of the service provider Ba. Note that the upper limit number N32 may be set higher in the latter case than in the former case.

[0069] In STEP 136, the merchant server 42 determines whether the current exchange from the currency exchange machine 10 for the specific customer Pa exceeds the upper limit amount M36 of the upper limit amount restrictions for the period T36. If the determination is affirmative, the merchant server 42 changes the instruction Da to instruction Da36 and proceeds to STEP 140; if the determination is negative, the merchant server 42 proceeds to the next STEP 138.

[0070] In STEP 138, the merchant server 42 determines whether the exchanges from all of the currency exchange machines 10 of merchant Ba for specific customer Pa exceed the upper limit amount M38 of the upper limit amount limit for period T38. If the determination is affirmative, the merchant server 42 changes instruction Da to instruction Da38 and proceeds to STEP 140; if the determination is negative, the merchant server 42 does not change instruction Da, i.e., maintains instruction Da at its initial value Dai, and proceeds to STEP 140.

[0071] The instruction Da38 is to refuse the exchange because the amount exceeds the upper limit M38 of the upper limit amount restrictions for the period T38 from all the currency exchange machines 10 of the business Ba for the specific customer Pa.

[0072] The upper limit restriction in STEP 138 limits the total exchange amount from all currency exchange machines 10 of business Ba for a specific customer Pa during the most recent period T38 (e.g., 1 day), including the day of the current exchange, to less than an upper limit M38 (e.g., 2 million yen).

[0073] In this embodiment, T36 = T38 and M36 = M38 are set, but it is also possible to set T36 < T38 and M36 < M38.

[0074] In STEP140, the merchant server 42 transmits the instruction Da to the currency exchange machine 10.

[0075] In STEP142, the merchant server 42 stores the log information Li2 in its own DB. The log information Li2 associates the log information Li1, the instruction Da, and +β. +β includes the customer ID as the identifier of the specific customer Pa and the transmission date and time of STEP140.

[0076] (Integration process of customer ID by merchant server 1) FIG. 7 is a flowchart of the integration process 1 of the customer ID executed by the merchant server 42. The merchant server 42 performs the integration process 1 of the customer ID between the customer ID derived from the IC card 50 and the customer ID derived from the passport 56. Here, the customer ID derived from the IC card 50 and the customer ID derived from the passport 56 are defined as the customer IDs generated based on the personal identification information read from the IC chip 52 of the IC card 50 and the personal identification information read from the image of the passport 56, respectively.

[0077] In FIG. 7, only the IC card 50 as a card with a storage medium is described, but instead of the IC card 50 alone, a card with a magnetic stripe can be adopted, or a card with a storage medium including both the IC card 50 and a card with a magnetic stripe can be adopted.

[0078] In the currency exchange system 48, two methods are available for obtaining personal identification information of a customer Ca: obtaining an IC from the IC chip 52 of the IC card 50 in the IC card reader 16, and obtaining an image from the print on the passport 56 in the passport reader 28. This means that it is possible that two different customer IDs may be assigned to the same customer Ca. Depending on how the currency exchange machine 10 is used, it is possible that the passport 56 may be used to exchange more money than the limit, even though the exchange using the IC chip 52 of the IC card 50 has already exceeded the limit. The process in Figure 7 is a measure to prevent such abuse.

[0079] In detail, customer ID integration process 1 is executed by a computer installed in the provider server 42, similar to the instruction process in Fig. 6, but for ease of explanation, the subject of the processes below will be described as the provider server 42. The provider server 42 executes integration process 1 periodically, or each time new personal identification information is read by IC acquisition or image acquisition and a new customer ID for IC acquisition or image acquisition is registered.

[0080] In STEP 150, the trader server 42 classifies the log information Li2 stored in its own DB, which has an unintegrated customer ID and whose presentation medium is an IC card 50, into log information Li2a.

[0081] In STEP 152, the agent server 42 classifies the log information Li2 stored in its own DB, in which the customer ID is not integrated and the presentation medium is the passport 56, into log information Li2b.

[0082] In STEP 154, the trader server 42 compares the log information Li2a with the log information Lib and selects a pair of log information Li2a and Li2b whose customer IDs are different from each other. Here, a pair of log information Li2a and Li2b whose customer IDs are different from each other means that the pair of log information Li2a and Li2b may not have been changed to an integrated customer ID. The trader server 42 then determines whether a predetermined single or multiple attributes of the personal identification information of the pair match, and if there is a match, changes the customer IDs of both log information Li2a and Li2b whose customer IDs are the same as the customer ID in the log information Li2a and Li2b, respectively, to the integrated customer ID.

[0083] Additionally, the data formats of the passport 56 and the IC card 50 are usually different. The data format of the passport 56 is Roman characters, while the data format of the bank cash card (IC card 50) is half-width kana. In such a case, the agent server 42 converts the data format of one of the two into the other data format, and then compares the log information Li2a with the log information Lib in STEP 154. For example, the half-width kana of the cash card is converted into Roman characters to match the data format of the passport 56.

[0084] In STEP 156, the provider server 42 determines whether there are any pairs of log information Li2a and Li2b whose customer IDs are different and whose matching of personal identification information has not been determined. If the determination is affirmative, the provider server 42 returns the process to STEP 154; if the determination is negative, the process ends.

[0085] (Customer ID integration process by vendor server 2) Figure 8 is a flowchart of customer ID integration process 2 executed by the provider server 42. The provider server 42 performs integration process 2 between customer IDs generated based on personal identification information of IC cards 50 that differ in either type (e.g., cash card or credit card) or issuer. In Figure 8, as in Figure 7, for ease of explanation, each process will be described as being performed by the provider server 42.

[0086] In Figure 8, only IC card 50 is described as a card with a storage medium, but instead of IC card 50 alone, a card with a stripe can be applied, or it can be applied to cards with storage media in general (both IC card 50 and cards with stripes).

[0087] If a separate customer ID is assigned to each IC card 50 of a different type or issuer, this could be misused by a customer Ca using multiple IC cards 50 of different types or issuers to exchange more money than the limit. Integration process 2 is a measure against such misuse.

[0088] The merchant server 42 executes the integration process 2 periodically, or when the currency exchange machine 10 receives a currency exchange request from a new IC card 50 and needs to register a new customer ID derived from the IC card 50. In the latter case, in the log information Li2c described below, a temporary customer ID is set as the new customer ID, and then STEP 160 and STEP 162 are executed. As soon as STEP 162 is completed, the integration process 2 is terminated without executing the determination in STEP 164.

[0089] In STEP 160, the vendor server 42 finds a pair of log information Li2 stored in its own DB that have different customer IDs and different types or issuers, and names one and the other log information Li2 of the pair as log information Li2c and Li2d, respectively.

[0090] In STEP 162, the trader server 42 compares the log information Li2c with the log information Li2d to determine whether there is a match for a predetermined single or multiple attributes among the multiple attributes of the personal identification information of both, and if there is a match, changes the customer IDs of both to an integrated customer ID.The trader server 42 then changes the customer IDs of all log information Li2 that have the same customer ID as the customer ID of log information Li2c in the pair of log information Li2c, Li2d that have been determined to have a match, and the customer IDs of all log information Lib that have the same customer ID as the customer ID of log information Li2b, to the integrated customer ID.

[0091] In STEP 164, the provider server 42 determines whether there are any pairs of log information Li2c and log information Li2d whose customer IDs are different and whose matching of personal identification information has not been determined. If the determination is affirmative, the provider server 42 returns the process to STEP 154; if the determination is negative, the process ends.

[0092] Figure 9 is a flowchart of the main part of the instruction processing in which measures to prevent abuse of the reverse exchange type by a specific customer Pa are added to the instruction processing in Figure 6. Compared to the instruction processing in Figure 6, STEP 170-STEP 174 are added between STEP 128 and STEP 130, and the other processing is the same as the processing in Figure 6, so it is not shown in the figure.

[0093] Abusers who seek to abuse currency exchange may attempt to launder money by repeatedly exchanging foreign currency into local currency and then back into foreign currency in a short period of time (herein referred to as "reverse exchange type currency exchange"), even if this increases the fees charged to the currency exchange company Ba. STEP 170-STEP 174 are processes incorporating preventative measures against this. That is, when the same person exchanges one currency and then another currency within the same predetermined period T70, which is deemed to be reverse exchange type currency exchanges in a short period of time, the transaction is set to be stopped if the combined amount of the various settings for the other currency exchange reaches a limit.

[0094] In order to ensure effectiveness, STEP 170 to STEP 174 added in Figure 9 are executed after the integration process (customer ID name matching) in Figures 7 and 8 has been executed. In other words, the integration process in Figures 7 and 8 is executed every time a new card with a storage medium (stripe card, IC card 50, or passport 56) is used to exchange money and a new customer ID is assigned to customer Pa of the new card with a storage medium.

[0095] In STEP 170, the business operator server 42 determines whether the specific customer Pa has already made a counter-exchange for the current exchange within a fixed period T70 immediately surrounding the current day (the current exchange date). If the determination is affirmative, the business operator server 42 proceeds to STEP 172; if the determination is negative, the business operator server 42 proceeds to STEP 174.

[0096] A reverse exchange of the current exchange means an exchange from foreign currency to local currency if the current exchange is from local currency to foreign currency, and an exchange from local currency to foreign currency if the current exchange is from foreign currency to local currency. A specific customer Pa may exchange one of foreign currency to local currency and local currency to foreign currency and the other not just once, but twice or even three times within a predetermined period T70. In such cases, the agent server 42 counts and stores the number of repetitions, and as the number of repetitions increases, it may gradually reduce the exchange limit setting value (e.g., upper limit amounts M36 and M38 in STEPs 136 and 138 described below), or may limit the repetition to one.

[0097] The predetermined period T70 is typically set equal to T32 used in the processing in STEP 132, but T70 ≠ T32 may also be set. For example, if T70 = T32 = 1 or 2 days, a specific customer Pa is restricted from using any currency exchanger 10 to convert foreign currency (e.g., dollars) or local currency (e.g., yen) (equivalent to selling stocks) by the same or the following day to offset a purchase or sale, such as converting local currency into foreign currency (equivalent to buying stocks). Because such reverse exchanges are often, if not universally, used for money laundering, this embodiment uniformly restricts (or even prohibits) all exchanges, including those of honest customer Pa. Even if the current reverse exchange is temporarily restricted, honest customer Pa can simply wait until T70 has elapsed and then make a reverse exchange within the normal exchange limits.

[0098] In STEP 172, the business server 42 reads each set value of the exchange limit for preventing abuse. Meanwhile, in STEP 174, the business server 42 reads each set value of the exchange limit for normal exchange.

[0099] As explained above in Fig. 6, before proceeding to the processing of STEP 130, currency exchange machine 10 reads from its own storage device each of the setting values ​​for the exchange limits, such as the periods T30, T32, T36, and T38, the number of times N32, and the amounts M36 and M38, in STEPs 130-138, depending on whether the current exchange is an exchange process E1 (exchange process from foreign currency to local currency) or E2 (exchange process from local currency to foreign currency). This reading corresponds to the reading of each setting value for the exchange limits for normal exchange (more specifically, the processing of STEPs 130-138) in STEP 174 in Fig. 9. In other words, each setting value read in STEP 174 is the setting value when specific customer Pa is not performing a reverse exchange.

[0100] In contrast, the set values ​​read in STEP 172 are set when specific customer Pa is about to make a reverse exchange. As a measure to prevent misuse of exchange, the set values ​​read in STEP 172 are set to values ​​that will make specific customer Pa less willing to misuse exchange than the set values ​​for normal exchange in STEP 174. Specifically, for example, the upper limit amounts M36 and M38 in STEPs 136 and 138 are set significantly lower than those for normal exchange.

[0101] After executing STEP 172 or 174, the vendor server 42 advances the process to STEP 130.

[0102] (supplement) Each currency exchange machine 10 of the embodiment is equipped with both an IC card reader 16 and a passport reader 28 as specific information readers. However, it is sufficient for the currency exchange machine of the present invention to be equipped with at least one of the IC card reader 16 and the passport reader 28, and each currency exchange machine 10 may omit the other of the IC card reader 16 and the passport reader 28.

[0103] In the present embodiment, the “most recent first period including the present time for a specific customer” corresponds to the most recent period T36 described in STEP 136. The first upper limit corresponds to the upper limit M36 described in STEP 136.

[0104] In the present invention, the "most recent second period including the current exchange for the specific customer" corresponds to the period T32 (e.g., the most recent 1, 2, or 3 days including the current day) described in STEP 132. In the present invention, the second upper limit number of times corresponds to the upper limit number of times N32 (e.g., 3 times on the 1st day, 3 times on the 2nd day, etc.) described in STEP 132.

[0105] In the present invention, the "third period" in the phrase "the current exchange date is after the third period has elapsed from the expiration date of the first period" corresponds to the period T30 described in STEP 130 in the embodiment. In the embodiment, the period T30 is, for example, 10 days, but the trader Ba can also set another period, such as one week, for the period T30.

[0106] The My Number card or IC-equipped driver's license can be used as proof when a customer opens a new account at a financial institution (e.g., a bank or a securities company). In view of this, when a customer presents a My Number card or an IC-equipped driver's license as a card with a storage medium, the control unit 42a can take a picture of them with the built-in camera to obtain an image or obtain customer-specific information (e.g., license number), and use the obtained information as proof of identity when the specific customer opens a new account at a financial institution or applies for a new credit card.

[0107] A supplementary explanation will be given for steps 102 and 104 in Figure 5 of the embodiment. The currency exchange machine 10 reads the personal identification information from the IC chip 52 of the IC card 50 and the passport 56 using the IC card reader 16 and the passport reader 28, respectively. The personal identification information read by the currency exchange machine 10 here is limited to the range permitted by law to be read and stored for anti-money laundering purposes. The currency exchange machine 10 is designed not to read any other personal information, or if it does read it, it is immediately deleted so that it is not stored in the currency exchange machine itself or transmitted to other devices.

[0108] In the embodiment, the currency exchange is described as using multiple currency exchange machines 10 as automated currency exchange machines operated and managed by the service provider Ba. However, a service provider Ba of a financial institution such as a bank typically provides currency exchange services using manual currency exchange machines at the counter in addition to the automated currency exchange machines 10. In such a case, the service provider server 42 also receives log information Li1 from the currency exchange machine at the counter (STEP 120), performs the process shown in FIG. 6, and then returns an instruction Da to the currency exchange machine at the counter (STEP 140). Upon receiving the instruction Da from the service provider server 42 (FIG. 5 / STEP 110), the currency exchange machine at the counter displays the content of the instruction Da on its display, and the service provider performs the process corresponding to the displayed content for the customer Ca. [Explanation of symbols]

[0109] 10···Currency exchange machine, 16···IC card reader (specific information reader), 28···Passport reader (specific information reader), 42···Business server, 42a···Control unit, 42b···Log information storage unit, 44···Economic sanctions information storage server, 46···Internet, 48···Exchange system, 50···IC card (card with storage medium), 52···IC chip (storage medium), 56···Passport.

Claims

1. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa; an information processing device that causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine; A currency exchange system comprising: The information processing device includes: a control unit that causes each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identification information when the specific customer falls under a person who is subject to predetermined economic sanctions; and a log information storage unit that stores, as stored log information, log information that links the read individual identifying information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine; Equipped with the control unit causes the currency exchange machines to perform a response process to limit the total amount of currency exchange for the specific customer during a most recent first period including the current time to within a first upper limit amount across the multiple currency exchange machines based on the stored log information in the log information storage unit; A currency exchange system in which the total amount and the first upper limit amount for the first period are set independently for when the specific customer exchanges from foreign currency to local currency and when the specific customer exchanges from local currency to foreign currency.

2. 2. The currency exchange system of claim 1, wherein when the specific customer exchanges one of foreign currency to local currency and local currency to foreign currency during the same first period and then exchanges the other currency, the total amount for the other currency exchange is set to a lower amount in local currency terms than the total amount for the one currency exchange.

3. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa; an information processing device that causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine; A currency exchange system comprising: The information processing device includes: a control unit that causes each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identification information when the specific customer falls under a person who is subject to predetermined economic sanctions; and a log information storage unit that stores, as stored log information, log information that links the read individual identifying information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine; Equipped with A currency exchange system in which the control unit defines the retained log information generated from the card with storage medium as first retained log information, defines the retained log information generated from the passport as second retained log information, compares the personal identification information of the first retained log information and the second retained log information, which have different customer IDs, and if there is a match between the personal identification information for one or more specified attributes, changes the customer ID of the first retained log information and the customer ID of the second retained log information into an integrated customer ID.

4. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading the personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa; an information processing device that causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine; A currency exchange system comprising: The information processing device includes: a control unit that causes each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identification information when the specific customer falls under a person who is subject to predetermined economic sanctions; and a log information storage unit that stores, as stored log information, log information that links the read individual identifying information of each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine; Equipped with the retention log information generated from the card with a storage medium includes attributes of the type and issuer of the card with a storage medium; The control unit The currency exchange system compares the personal identification information between the retained log information in which either the type or issuer of the card with storage medium is different and which is assigned a different customer ID, and if there is a match between the personal identification information in one or more predetermined attributes, changes the customer IDs of both retained log information to an integrated customer ID.

5. The currency exchange system according to any one of claims 1 to 4, wherein the control unit causes the currency exchange machine to perform a response process that limits the number of currency exchanges for the specific customer during a most recent second period, including the current currency exchange, to within a second upper limit number across all of the multiple currency exchange machines based on the stored log information in the log information storage unit.

6. 2. The currency exchange system according to claim 1, wherein the control unit causes the currency exchange machines to execute a response process that causes all of the currency exchange machines to refuse currency exchange for the specific customer for a third period from the expiration date of the first period based on the stored log information in the log information storage unit.

7. The control unit refers to predetermined nationality sanction information, and when the nationality of the specific customer corresponds to a sanctioned country in the nationality sanction information, causes each currency exchange machine to execute a response process that causes the exchange to be refused.

8. 5. The currency exchange system according to claim 1, wherein the card with a storage medium is a magnetic stripe card or an IC card.

9. The currency exchange system of claim 8, wherein the control unit enables the specific customer to set aside deposits or cash advances in an account associated with the card with a storage medium in exchange for cash as the local currency before exchange when the card with a storage medium is a magnetic stripe cash card, a cash card with an IC, a magnetic stripe credit card, or a credit card with an IC.

10. The currency exchange system of claim 8, wherein the control unit, when the card with storage medium is a magnetic stripe cash card, a cash card with IC, a magnetic stripe credit card, or a credit card with IC, enables the specific customer to use the local currency after exchange in place of cash and apply it to deposits in an account associated with the card with storage medium or to repay a cash advance.

11. The currency exchange system described in claim 8, wherein the control unit, when the card with storage medium is a My Number card or a driver's license with an IC, enables the personal identification information read from the card with storage medium to be used as identification when the specific customer opens a new financial institution account or applies for a new credit card.

12. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa; an information processing device including a computer, which causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine; A currency exchange method applied to a currency exchange system comprising: The computer, a step of causing each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identifying information when the specific customer falls under a person who is subject to predetermined economic sanctions; storing, as retained log information, log information linking the read individual identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine; a step of causing the currency exchange machines to execute a response process for limiting the total amount of currency exchange for the specific customer for a most recent first period including the current time to within a first upper limit amount across all of the multiple currency exchange machines based on the retained log information, the total amount and the first upper limit amount for the first period being set independently for a case where the specific customer exchanges from foreign currency to domestic currency and a case where the specific customer exchanges from domestic currency to foreign currency; A currency exchange method that executes the above.

13. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa; an information processing device including a computer, which causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine; A currency exchange method applied to a currency exchange system comprising: The computer, a step of causing each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identifying information when the specific customer falls under a person who is subject to predetermined economic sanctions; storing, as retained log information, log information linking the read individual identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine; a step of setting the retained log information generated from the card with storage medium as first retained log information, setting the retained log information generated from the passport as second retained log information, comparing the personal identification information of the first retained log information and the second retained log information, which have different customer IDs, and changing the customer ID of the first retained log information and the customer ID of the second retained log information into an integrated customer ID if there is a match between the personal identification information in one or more predetermined attributes; A currency exchange system that allows you to:

14. a plurality of currency exchange machines, each of which has at least one of two personal identification information readers, namely, a passport reader which is an image scanner capable of reading passport information including personal identification information written on a passport presented by a customer, and a card reader which is capable of reading personal identification information stored in a storage medium of a card with a storage medium presented by the customer, and each of which is capable of exchanging foreign currency into domestic currency and vice versa; an information processing device including a computer, which causes each currency exchange machine to perform a response process related to currency exchange based on the readout personal identification information as the personal identification information read from the personal identification information reader of each currency exchange machine; A currency exchange method applied to a currency exchange system comprising: The computer, a step of causing each currency exchange machine to execute a response process to refuse currency exchange for a specific customer identified based on the read individual identifying information when the specific customer falls under a person who is subject to predetermined economic sanctions; storing, as retained log information, log information linking the read individual identifying information in each currency exchange machine, the content of the response process instructed to each currency exchange machine as a response of each currency exchange machine to the specific customer, the date and time of the response process, and a currency exchange machine ID as an identifier of each currency exchange machine; the retained log information generated from the card with a storage medium includes attributes of the type and issuer of the card with a storage medium, comparing personal identification information between retained log information in which either the type or issuer attribute of the card with a storage medium is different and to which different customer IDs are assigned, and if there is a match between the personal identification information in one or more predetermined attributes, changing the customer IDs of both retained log information to an integrated customer ID; A currency exchange method that executes the above.

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