ATM Fraud Detection Using Conditional Data Collection

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Solution Overview

Problem

Existing methods for detecting bank transfer fraud at ATMs, such as those described in Patent Literature 1, collect personal user information even in cases where no incident occurs, leading to a significant psychological burden on users.

Innovation Solution

An information processing apparatus and system that determine whether a user at an ATM is talking on a phone using first data like images, voice data, or radio waves, and only acquire second data suggesting the user's state if a phone call is detected, thereby reducing unnecessary data collection.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If personal information is collected by camera and microphone even when no incident occurs, then detection capability is improved, but psychological burden on users increases

Engineering Contradiction:

Improvedetection capabilityVSAvoidpsychological burden

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The system performs preliminary detection using only first data (captured image, voice data, or radio wave data) to determine whether a phone call is taking place before deciding to collect second data (user state information). This preliminary action avoids unnecessary collection of personal information when no incident is detected, thereby reducing psychological burden while maintaining detection capability.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The data collection process is segmented into two stages: first data collection (always performed) and second data collection (conditionally performed only when phone call is detected). This segmentation allows the system to balance detection reliability with user privacy protection by collecting detailed personal information only when necessary.

Inventive Principle:

Principle #1Segmentation

2Measurement precision

If second data is collected in all cases, then incident detection accuracy is improved, but data processing load increases

Engineering Contradiction:

Improveincident detection accuracyVSAvoiddata processing load

Core Design Contradiction:

Measurement precisionVSLoss of energy

Solution Approach 1:

The system applies partial action by collecting second data (detailed user state information) only in specific cases where a phone call is detected, rather than in all cases. This reduces the overall data processing load while maintaining sufficient incident detection accuracy for high-risk situations.

Inventive Principle:

Principle #16Partial or excessive action

Data Source

PatentUS20250029118A1Information processing apparatus, information processing system, information processing method, and non-transitory computer-readable medium

Publication Date: 2025.01.23 NEC CORP

AI summary

An information processing apparatus (10) includes a call determination unit (14) that determines whether a user who has visited an ATM is talking on a phone based on first data that is any one of a captured image, voice data, and received radio wave data related to a target area based on the ATM, an operation control unit (15) that starts acquisition of second data that suggests a state of the user and has a data type different from that of the first data in a case where it is determined that the user is talking on a phone, and a case determination control unit (16) that acquires a determination result of presence or absence of an incident using the first data and the second data.