JP2009110148A - Automatic transaction device, automatic transaction system, and operation method for automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To check and prevent an illegal transaction on an account by a person other than an account opening person for the account. <P>SOLUTION: This automatic transaction device 1 having a reading means for reading an account number or the like stored in a cash card and for conducting an operation for a transaction by a customer, based on the account number or the like, has a face image storage means 28 for storing preliminarily a face image 51 of the account opening person, and a camera 7 for imaging a face image 52 of a user standing in front of the automatic transaction device 1, and is provided further with a display means 8 for displaying simultaneously the face image 51 of the account opening person stored in the face image storage means, and the face image 52 of the user imaged by the camera 7, in a position confirmed by the third party. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution or the like and capable of performing a financial transaction by a customer operation.

Various measures are being considered to prevent operations by unauthorized traders in ATMs (Automatic Teller Machines) installed at branches, sales stores, convenience stores, and supermarkets of financial institutions. . The personal identification system based on face authentication described in Japanese Patent Application Laid-Open No. 2005-301539 (Patent Document 1) is provided with a camera in the ATM, takes a face image of the user, and collates it with face data of the account opener registered in advance. A technique for performing face authentication by performing is disclosed. Further, in the automatic teller machine described in Japanese Patent Laid-Open No. 9-245102 (Patent Document 2), when a user conducts a transaction, the user is connected to the account opener via a telephone line and displays the face image of the user. A technique in which an establishment person inputs a personal identification number is disclosed.
JP 2005-301539 A JP-A-9-245102

  However, according to the above-mentioned Patent Document 1, if the collation with the registered face data is not complete, even the person himself is not collated with the person himself, and as a result, there is a problem that the transaction cannot be performed. . In addition, when a face image of a trader is transmitted to an account opener via a network such as a telephone line as in Patent Document 2, it is assumed that the account opener can be contacted at the time of the transaction, and therefore usage is restricted. At the same time, there was a problem that led to an increase in trading hours.

  The problem to be solved by the present invention is basically to prevent and prevent a person other than the account opener from conducting an illegal transaction on the account. In other words, compared to the face image recognition method, the occurrence of a situation in which transactions cannot be performed due to misrecognition is suppressed, and there is no time lag for the account opener to confirm via the network, and the conventional transaction time does not increase. The objective is to ensure that transactions can be conducted, and that fraudulent transactions can be checked and prevented.

In order to solve the above-mentioned problems, the invention according to claim 1 of the present invention has customer information reading means for reading information for specifying a customer, and the customer can make a transaction based on the information for specifying the customer. In the automatic transaction apparatus that performs the above operations, image storage means that stores in advance an image including at least the face image of the customer, and imaging means that captures an image including at least the face image of the user operating the automatic transaction apparatus And display means for simultaneously displaying the customer image stored in the image storage means and the user image taken by the imaging means.

  When compared with the invention according to claim 1, the invention according to claim 2 stores at least an image including a customer's face image in the center.

  When compared with the invention according to claim 1, the invention according to claim 3 stores at least an image including the face image of the customer in a transaction medium possessed by the customer.

  Furthermore, the invention according to claim 10 is compared with the invention according to claim 1 in that an image including at least a user's face image is distributed from the center to another ATM, and the user's face image is transmitted using another ATM. An image including is displayed.

  According to the present invention, both the face image of the account opener registered in advance and the face image of the customer involved in the transaction are displayed at the same time. It is clearly understood that when a person other than the account opener tries to conduct an illegal transaction to the account, it is prevented from acting freely, and as a result, it becomes possible to prevent illegal transactions. In addition, compared to the face image recognition method, the occurrence of a situation in which transactions cannot be made due to misrecognition is suppressed, and further, there is no time lag for confirming the account opener via the network, and the conventional transaction time does not increase. This has the effect of making sure that transactions are possible.

(Embodiment 1)
Embodiment 1 of the present invention will be described below. FIG. 1 is an external view of an automatic transaction apparatus according to the present invention, and 1 is an automatic transaction apparatus (ATM) installed in a financial institution's sales store, convenience store, gas station, supermarket, etc., and is managed by the financial institution. It is connected to a host computer to be maintained (not shown in the figure) via a communication line.

  Reference numeral 2 denotes a customer operation display unit, which is a transaction guidance display unit that displays a guidance for a user who is a customer who actually conducts a transaction using the ATM 1 to input an operation, and inputs a personal identification number, deposit / withdrawal amount, etc. It is composed of a touch panel unit. Reference numeral 3 denotes a coin deposit / withdrawal unit which accepts a coin (not shown) deposited by a user or discharges a coin paid to the user. 4 is a banknote depositing / withdrawing part which accepts a banknote (not shown) deposited by the user or discharges a banknote to be paid to the user.

  5 is a card insertion slot for accepting a cash card as a transaction medium inserted by a user, and the cash card specifies a customer such as a code (number) for each financial institution, a user account number, and a name. Customer information, which is information, is stored. At the end of the transaction, the cash card is discharged from the card insertion slot 5 and returned to the user.

  Reference numeral 6 denotes a passbook insertion slot for accepting a passbook inserted by the user. When past transaction information is printed, the inserted passbook is discharged from the passbook insertion slot 6 and returned to the user. Reference numeral 7 denotes a camera for imaging the user's face, which operates when a proximity detector (not shown) detects the user and the user selects a withdrawal transaction or the like when selecting a transaction for transaction. To collect face data.

  Reference numeral 8 denotes an image display device which is a characteristic part of the present invention, and simultaneously displays an account opener's face image and a user's face image as will be described later. Further, the image display device 8 is provided in a separate casing above the ATM 1 so that a third party can confirm.

  FIG. 2 is a block diagram showing the configuration of the ATM 1, and the same components as those in FIG. 1 are denoted by the same reference numerals. In the figure, reference numeral 13 denotes a coin processing unit for authenticating and counting the coins received by the coin depositing / withdrawing unit 3, counting, transporting, storing, and discharging. Reference numeral 14 denotes a banknote processing unit that authenticates, counts, and conveys the banknotes received by the banknote depositing / withdrawing unit 4 and then stores them in a denomination-type cassette unit and discharges them from the denomination cassette.

  Reference numeral 15 denotes a card processing unit for reading customer information such as a code (number) for each financial institution, a user account number, and a name from a cash card received by the card insertion slot 5. A passbook printing unit that prints transaction information on the accepted passbook, and 17 is a face imaging unit that performs image processing on face image data captured by the camera 7.

  Reference numeral 21 denotes a communication processing unit for communicating with a host computer managed and maintained by the financial institution via a communication line. Reference numeral 22 denotes a storage unit for temporarily storing information for various controls. Reference numeral 23 denotes a personal authentication unit for authenticating the identity between the user and the account opener. That is, authentication of identity between the customer information read by the card processing unit 15 and a password input by the user from the customer operation display unit 2 or a user read from a biometric information reading unit (not shown). This is the authentication of identity with biometric information.

  Reference numeral 28 denotes a face image storage unit serving as a database for storing the face images of account openers taken at the time of opening an account. As shown in FIG. 4 later, image files are stored and stored in association with account numbers. An electrical / magnetic device such as RAM or HDD is applicable as the storage means, and various formats such as Bitmap or JPEG are applicable as the image format.

  Reference numeral 11 denotes a control unit for controlling the customer operation display unit 2, the image display device 8, and the respective constituent elements, and includes a control circuit such as a CPU of a computer and a memory circuit for temporarily storing images and various information. Composed.

  Further, the image display device 8 is installed outside the ATM 1. As shown in FIG. 5 later, the face image 52 of the user sent from the control unit 11 and the face image of the account opener registered in advance are displayed. 51 is a display device that simultaneously displays both, and a display device such as a CRT or a liquid crystal display is applicable.

  Next, the operation of the first embodiment of the present invention will be described with reference to FIGS. FIG. 3 is a flowchart showing the operation of the first embodiment, FIG. 4 is an explanatory diagram showing the stored contents of the face image storage unit 28, and FIG. 5 is an explanatory diagram showing a display example of the image display device 8.

  In FIG. 3, when an approach detector (not shown) detects a user in ATM 1, the control unit 11 controls the customer operation display unit 2 to display a transaction selection screen (not shown). The transaction selection screen is a screen that displays, for example, “payment”, “deposit”, “balance inquiry”, “transfer”, “passbook entry”, and the like (S101).

  When the user selects “payment” (withdrawal transaction) (S102), the control unit 11 controls the face imaging unit 17, and the camera 7 displays the face image 52 of the user actually standing in front of ATM1. An image is taken (S103). Then, the control unit 11 controls the storage unit 22 to temporarily store the face image (S104).

  Thereafter, the control unit 11 performs personal authentication. That is, when the control unit 11 controls the customer operation display unit 2 to prompt the user to insert a cash card and detects that the user has inserted a cash card into the card insertion slot 5, the control unit 11 Controls the card processing unit 15 to read customer information such as an account number from the cash card. Thereafter, the control unit 11 controls the customer operation display unit 2 to prompt the user to input a personal identification number, and when it is detected that the user has input the personal identification number through the customer operation display unit 2, the personal authentication is performed. The unit 23 is controlled to perform personal authentication (S105).

  If the personal authentication results do not match, the process ends, but the illustration is omitted. If they match as a result of personal authentication, the control unit 11 controls the face image storage unit 28 and reads the face image 51 of the account opener (S106). As shown in FIG. 4, the stored contents of the face image storage unit 28 correspond to the account number column 41, and the image data column 42 stores the address of a storage unit (not shown) that stores the account opener's face image 51. Yes.

  Then, the control unit 11 sends the read account face image 51 of the account opener and the user face image 52 temporarily stored in the storage unit 22 to the image display device 8 and displays both face images on the image display device 8 ( S107). As an example of the display, as shown in FIG. 5, the image display device 8 displays the “account opener” on the left side, the face image 51 of the account opener, and the “user” display on the right side. At the same time, the face image 52 of the user who is actually standing in front of ATM 1 is displayed. Since the user's face image 52 is an image that is actually trading in front of ATM1, the moving image is easier for the viewer to see than the still image. Therefore, the user's face image 52 may be a moving image.

  Thereafter, the control unit 11 performs a transaction (withdrawal transaction) selected by the user (S108). Then, after the transaction ends, the control unit 11 turns off the display on the image display device 8 (S109) and ends the process.

  The user face imaging in step 103 and the face image temporary storage operation in step 104 are performed before step 105 of personal authentication. However, the present invention is not limited to this, and may be performed after step 105 of personal authentication. .

  In the first embodiment, the example in which the account opener's face image 51 is stored in the face image storage unit 28 in the ATM 1 has been described. Alternatively, the face image 51 of the account opener may be stored in a storage unit (not shown) of the cash card possessed by the customer.

  That is, when storing the face image 51 of the account opener in the storage unit in the host computer, the storage unit in the host computer is associated with the account number in the account number column 41 as shown in FIG. The address of the account opener's face image 51 is stored in the image data field 42. In step 106, the control unit 11 of the ATM 1 controls the communication processing unit 21, requests the host computer to transmit the face image 51 of the account opener using the account number as a key, and sets the account opener. When the face image 51 is received, it is stored in the face image storage unit 28 to operate.

  On the other hand, when storing the account opener's face image 51 in the storage unit of the cash card possessed by the customer, the face image 51 of only the account opener is stored in the storage unit of the cash card, and the operation In step 106, the control unit 11 controls the card processing unit 15 to read the account opener's face image 51 from the cash card and store it in the face image storage unit 28.

  In the first embodiment, as shown in FIG. 1, the image display device 8 has been described as a case different from the case of the ATM 1. However, the present invention is not limited to this, and the image display device 8 is the same as the ATM 1. It may be a case. That is, it is only necessary to display the face image displayed by the image display device 8 so that it can be confirmed by a third party.

  Note that whether or not the image is displayed so that the user can confirm the image does not matter, and at least the user can recognize that the face image is displayed so that it can be confirmed by a third party. , Leading to the prevention and prevention of fraudulent transactions.

  Furthermore, in the first embodiment, the example in which the image display device 8 is installed on the top of the ATM 1 has been described. However, the image display device 8 does not necessarily have to be on the top, and may be installed next to the ATM 1. Furthermore, it may be displayed not only in the same branch of ATM 1 but also on an image display device 67 installed in a monitoring center 66 that performs centralized management as shown in FIG. In this case, the control unit 11 of the ATM 1 controls the communication processing unit 21 in step 107, and stores the account opener's face image 51 read from the face image storage unit 28 and the user's face image 52 temporarily stored in the storage unit 22. Send to host computer. The received host computer displays both face images 51 and 52 on the image display device 67 installed in the monitoring center 66.

  Further, when the account opener's face image 51 is stored in the storage unit in the host computer as described above, the control unit 11 of the ATM 1 controls the communication processing unit 21 after step 104 in the operation. The account number and the face image 52 of the user temporarily stored in the storage unit 22 are transmitted to the host computer. The host computer reads the face image 51 of the account opener in the storage unit, and displays it on the image display device 67 installed in the monitoring center 66 together with the received face image 52 of the user.

  On the other hand, if the account opener's face image 51 is stored in the cash card storage unit as described above, the control unit 11 controls the card processing unit 15 in step 105 to open the account from the cash card. The person's face image 51 is read and stored in the face image storage unit 28. In step 106, the control unit 11 controls the communication processing unit 21 to transmit the account opener face image 51 and the user face image 52 to the host computer. The host computer displays the received account opener face image 51 and user face image 52 on the image display device 67 installed in the monitoring center 66.

  According to the first embodiment, as shown in FIG. 5, the face image 52 of the user who is actually dealing with ATM1 can be confirmed from the third party at the same time as the face image 51 of the account opener. If a different face image is displayed, it becomes clear to a third party that a person different from the account opener is doing business, and a forged card or When a person other than the account opener attempts to make a transaction to the account illegally using the stolen card, there is an effect of checking and preventing the unauthorized transaction.

(Embodiment 2)
In the first embodiment, both the account opener's face image 51 and the user's face image 52 are displayed at the same time. However, in the second embodiment, the user's face image 81 (see FIG. 8). It is intended to display only. Furthermore, in the first embodiment, the face image is displayed in either case when the transaction is normally performed or when the transaction is performed illegally. However, in the second embodiment, the illegal transaction is possible. The face image is displayed only when a sexual act is detected. Moreover, in the second embodiment, it is also possible to distribute the user's face image 81 when fraud is detected from the monitoring center to the image display device 8 of the other ATM 1 or the like.

  FIG. 6 is a block diagram showing the configuration of the automatic transaction system according to the second embodiment. In FIG. 1, reference numeral 1 denotes an ATM installed in a sales office / branch 68 of a financial institution such as a bank, a convenience store, and the like. Reference numeral 8 denotes an image display device installed in the upper part of the ATM 1. Since the configuration of the ATM 1 and the image display device 8 is the same as that of the first embodiment, the description of the first embodiment is used.

  A host computer 61 is maintained and managed by a financial institution, and stores and manages customer attribute information such as account number, deposit balance, customer name, customer address, and password for each customer. 63 and an accounting system processing unit 62. The account processing unit 62 is connected to each ATM 1 via a dedicated line, and executes transactions involving renewal of ledgers of various bank accounts, which are key operations of financial institutions such as deposit / withdrawal processing and remittance processing.

  Reference numeral 64 denotes an image management server connected to the host computer 61. The image management server 64 has a face photograph database 65 for storing face images and a communication unit 69 for communicating with the host computer 61. The configuration of the face photo database 65 is the same as that of the face image storage unit 28, and the image address of the account opener is stored in the image data column 42 in relation to the account number in the account number column 41 as shown in FIG. Stored. Reference numeral 66 denotes a monitoring center connected to the host computer 61 and displays a face image in the same manner as the image display device 8.

  Next, the operation of the second embodiment of the present invention will be described with reference to FIG. FIG. 7 is a flowchart showing the operation of the second embodiment. In FIG. 7, when an approach detector (not shown) detects a user in ATM 1, the control unit 11 controls the customer operation display unit 2 to display a transaction selection screen (not shown). The transaction selection screen is, for example, a screen that displays “payment”, “deposit”, “balance inquiry”, “transfer”, “passbook entry”, and the like (S201).

  When the user selects “payment” (withdrawal transaction) (S202), the control unit 11 performs personal authentication. That is, when the control unit 11 controls the customer operation display unit 2 to prompt the user to insert a cash card and detects that the user has inserted a cash card into the card insertion slot 5, the control unit 11 Controls the card processing unit 15 to read customer information such as an account number from the cash card. Thereafter, the control unit 11 controls the customer operation display unit 2 to prompt the user to input a personal identification number, and when detecting that the user has input the personal identification number through the customer operation display unit 2, the personal authentication unit 23 is controlled to perform personal authentication (S203).

  If the personal authentication results do not match, the process ends, but the illustration is omitted. If they match as a result of personal authentication, the control unit 11 controls the face image capturing unit 17 to capture the face image 52 of the user who is actually standing in front of the ATM 1 with the camera 7 (S204).

  The control unit 11 controls the storage unit 22 to temporarily store the face image, and then controls the communication processing unit 21 to transmit the face image to the image management server 64 via the host computer 61. (S205). The image management server 64 stores the face image received by the communication unit 69 in the face photo database 65.

  Thereafter, the control unit 11 performs the transaction (withdrawal transaction) selected by the user (S206). Here, the control unit 11 monitors each component in the ATM 1 to monitor whether there is a possibility that the transaction performed by the user is an unauthorized transaction (S207).

  Cases where there is a high possibility of fraudulent transactions include, for example, (1) cash withdrawal when it is found to be a counterfeit card, and (2) cash withdrawal when it is found to be a theft card. Moreover, as a case where there is a low possibility of fraudulent transactions, for example, (3) cash withdrawal when there is an incorrect input of a PIN number a predetermined number of times, (4) speed of key input on the customer operation display unit 2 , And it is found that the speed is different from the speed normally input by the account opener (fast or slow). The situation to be monitored can be determined by operation.

  In this way, the control unit 11 monitors whether or not there is a possibility of fraudulent transactions. If there is no possibility of an illegal transaction (S208), the monitoring is continued until the transaction ends (S209). If the possibility of an illegal transaction is detected (S208), the control unit 11 controls the communication processing unit 21 to display the user face image 81 transmitted in step 205 to the image management server 64 for each ATM1. (S210).

  Upon receiving the distribution request, the image management server 64 controls the communication unit 69 as a distribution unit, and distributes the user face image 81 received in step 205 to each ATM 1 via the host computer 61. To do.

  Then, each ATM 1 receiving the distribution of the face image (S211) displays the face image 81 of the user on the image display device 8 (S212). FIG. 8 is an explanatory diagram showing a display example of the image display device 8. The image display device 8 displays the user's face image 81 received from the image management server 64 together with the characters “user”. At that time, if the “branch name” to which the ATM 1 in which the user is currently dealing belongs is displayed, the third party can easily confirm it. In step 205, when the user's face image 81 is transmitted to the image management server 64, the branch name simultaneously transmits a “branch name” that identifies the branch 68 that manages the ATM1.

  In the second embodiment, when the possibility of an illegal transaction is detected in step 210, the image management server 64 is requested to distribute the user's face image 81 to each ATM 1. Not limited to this, the image may be displayed on the image display device 67 installed in the monitoring center 66. In this case, in step 210, the control unit 11 of the ATM 1 controls the communication processing unit 21 and transmits a signal requesting that the user's face image 81 be displayed on the image display device 67. The received host computer 61 displays the user's face image 81 on the image display device 67 installed in the monitoring center 66.

  On the other hand, when the possibility of an illegal transaction is detected in the step 210, it may be displayed on the image display device 8 installed above the ATM 1. In this case, in step 204, the control unit 11 controls the face imaging unit 17 to capture the face image 81 of the user who is actually standing in front of the ATM 1 by the camera 7. Thereafter, the control unit 11 controls the storage unit 22 to temporarily store the face image. In step 208, when the possibility of an illegal transaction is detected, the control unit 11 controls the image display device 8 and displays the user's face image 81 on the image display device 8.

  As described above, according to the second embodiment, since a user who may conduct an illegal transaction is displayed so that it can be confirmed by a third party, a person other than the account opener using a forged card or a stolen card. When it tries to carry out the transaction to the account illegally, there is an effect of checking and preventing the illegal transaction.

  In Embodiments 1 and 2 described above, a face image is stored and captured or displayed. However, the image is not limited to a face image, and an image including at least a face image such as an upper body image or a whole body image is stored and captured. You may make it display.

It is an external view of the automatic transaction apparatus which concerns on this invention. It is a block diagram which shows the structure of ATM. 3 is a flowchart showing the operation of the first embodiment. It is explanatory drawing which shows the memory content of a face image memory | storage part. It is explanatory drawing which shows the example of a display of an image display apparatus. It is a block diagram which shows the structure of the automatic transaction system in Embodiment 2. 10 is a flowchart showing the operation of the second embodiment. It is explanatory drawing which shows the example of a display of an image display apparatus.

Explanation of symbols

1 ATM
2 Customer operation display section 5 Card insertion slot
7 Camera 8 Image Display Device 15 Card Processing Unit 28 Face Image Storage Unit 51 Account Opener Face Image 52, 81 User Face Image

Claims (12)

In an automatic transaction apparatus having a customer information reading means for reading information for specifying a customer, and the customer performing a transaction operation based on the information for specifying the customer,
Image storage means for storing in advance an image including at least the customer's face image;
Having imaging means for imaging an image including at least a face image of a user operating the automatic transaction apparatus;
The automatic transaction apparatus further comprises display means for simultaneously displaying the customer image stored in the image storage means and the user image taken by the imaging means. In an automatic transaction apparatus having a customer information reading means for reading information for specifying a customer, and making a transaction with a center via an automatic transaction apparatus operated by the customer based on information for specifying the customer,
Transmitting means for transmitting information identifying the customer read by the customer information reading means to the center;
Receiving means for receiving at least a face image of the customer stored in advance in the center;
Imaging means for imaging an image including at least a face image of a user operating the automatic transaction apparatus;
An automatic transaction apparatus comprising display means for simultaneously displaying a customer image received by the receiving means and a user image taken by the imaging means. In an automatic transaction apparatus having customer information reading means for reading information identifying a customer from a transaction medium possessed by the customer, and the customer performing a transaction operation based on the information identifying the customer,
The customer information reading means reads information identifying the customer and the image of the customer from the transaction medium in which an image including at least the face image of the customer is stored in advance,
Further, the automatic transaction apparatus includes an imaging unit that captures an image including at least a face image of a user operating the automatic transaction apparatus;
An automatic transaction apparatus comprising display means for simultaneously displaying a customer image stored in the transaction medium and a user image captured by the imaging means.   The automatic transaction apparatus according to claim 1, wherein the display unit is a separate housing from the automatic transaction apparatus. In an automatic transaction system having customer information reading means for reading information specifying a customer from a transaction medium possessed by the customer, and performing a transaction with a center via an automatic transaction apparatus operated by the customer based on the information specifying the customer ,
Image storage means for storing an image including at least a customer's face image in advance;
In the automatic transaction apparatus,
An imaging means for capturing an image including at least a face image of a user operating the automatic transaction apparatus;
An automatic transaction system comprising display means for simultaneously displaying a customer image stored in the image storage means and a user image taken by the imaging means. In an automatic transaction system having customer information reading means for reading information specifying a customer from a transaction medium possessed by the customer, and performing a transaction with a center via an automatic transaction apparatus operated by the customer based on the information specifying the customer ,
Image storage means for storing an image including at least a customer's face image in advance;
In the automatic transaction apparatus,
Imaging means for imaging an image including at least a face image of a user operating the automatic transaction apparatus;
Having a transmission means for transmitting an image of a user imaged by the imaging apparatus;
Furthermore, the center includes
Receiving means for receiving an image of the user transmitted by the transmitting means;
An automatic transaction system comprising display means for simultaneously displaying a customer image stored in the image storage means and a user image received by the receiving means.   7. The automatic transaction system according to claim 5, wherein the image storage means is provided in any one of the automatic transaction apparatus, the center, or the transaction medium. In an automatic transaction device where a customer operates a transaction,
An imaging means for capturing an image including at least a face image of a user operating the automatic transaction apparatus;
An automatic transaction apparatus comprising display means for displaying an image of a user imaged by the imaging means. In an automatic transaction system in which transactions are made with a center via an automatic transaction apparatus operated by a customer,
The automatic transaction apparatus includes an imaging unit that captures an image including at least a face image of a user operating the automatic transaction apparatus;
Having transmission means for transmitting the image of the user imaged by the imaging means;
In the center, receiving means for receiving the image of the user transmitted by the transmitting means,
An automatic transaction system comprising display means for displaying a user image received by the receiving means. In an automatic transaction system for dealing with a center to which a plurality of automatic transaction devices are connected via an automatic transaction device operated by a customer,
The automatic transaction apparatus includes an imaging unit that captures an image including at least a face image of a user operating the automatic transaction apparatus;
A transmission / reception means for transmitting and receiving an image of the user imaged by the imaging means;
Having a display means for displaying the user's image;
Furthermore, the center has a receiving means for receiving a user image,
An automatic transaction system comprising distribution means for distributing a user image received by the receiving means to the plurality of automatic transaction apparatuses. In the operation method of the automatic transaction apparatus operated by the customer based on the information for identifying the customer,
Storing in advance an image including at least a customer's face image;
Capturing an image including at least a face image of a user operating the automatic transaction apparatus;
Reading the customer image stored by the step of storing the customer image;
An automatic transaction apparatus comprising a step of simultaneously displaying a user image captured by the step of capturing the user image and a customer image read by the step of reading the customer image. How it works. In the operation method of the automatic transaction apparatus operated by the customer based on the information for identifying the customer,
Capturing an image including at least a face image of a user operating the automatic transaction apparatus;
Monitoring the operation of the user;
Determining the possibility of fraud based on the step of monitoring the user's operation;
A method of operating an automatic transaction apparatus, comprising: distributing a user image captured by the step of capturing the user image based on the step of determining the possibility of fraud.

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