JP2007025825A - Automatic transaction device, transaction approval method thereby, and transaction approval program therefor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make easiness in operation and excellence in usability while keeping an authentication function with high security in an automatic transaction device. <P>SOLUTION: The device comprises a card unit for reading information stored in a card; an inputting unit for inputting a password and transaction information; a display unit with a display screen; a biometrics information reading unit for reading biometrics information; and a control unit for integrally controlling these units. The control unit controls the units so as to display in order of a display screen to input the password, a display screen to input the transaction information, and a display screen to approve transactions, and also controls the units so as to approve the transactions by biometrics authentication on the basis of the display screen to approve the transactions. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus, and is particularly suitable for an automatic transaction apparatus having a biometric authentication function.

  Passwords are widely used for authentication of magnetic cards and IC cards used in conventional automatic transaction apparatuses. In recent years, biometric information authentication using a part of an individual's body as a key, such as fingerprint information, iris information, and vein information (blood vessel pattern), has attracted attention as a security method that is less likely to be illegally exercised due to loss or theft.

  A conventional personal authentication system using biometric information is disclosed in Japanese Patent Laid-Open No. 2000-215172 (Patent Document 1).

  This personal authentication system includes an IC card that stores personal information that can identify a registered user, a computer that requires personal authentication of the user and operates by program control, and a fingerprint / IC card reading function And an output device that has a display function and outputs or displays a program processing result of the computer.

  The IC card stores various information such as a personal identification number, fingerprint information (biological information), and a computer activation password. An input device with a fingerprint / IC card reading function includes an input device for inputting a personal identification number, a fingerprint reading device for inputting fingerprint information as graphic information, an IC card reader for reading the personal identification number, fingerprint information, password, etc. from the IC card, It has.

  A password that can identify the user is registered in the computer, and information such as fingerprint information and password output from the IC card reader, fingerprint information output from the fingerprint reader, and registered in the computer. It has a built-in verification device that verifies the current password. The result collated by the collating device is output or displayed by the output device 4. In the IC card, a protection means for controlling access to the fingerprint information and the password by the password, and the password entered from the password input device and the password stored in the IC card 1 are collated. Verification means is provided.

  The authentication method of this personal authentication system is executed as follows. First, when the computer user turns on the power of the computer and inserts the IC card into the IC card reader, an input request for a password required to access fingerprint data, a password, etc. stored in the IC card is requested. A message is displayed on the output device. The user inputs the password using the password input device. The computer sends this personal identification number to the IC card reader, and the personal identification number and the stored personal identification number 1 are collated by the IC card. If the passwords match each other, the computer further displays a message on the output device to the user that the finger is placed on the fingerprint reader, and reads the fingerprint data into the computer. Next, the fingerprint data stored in the IC card is collated by the computer. When the fingerprint data match each other, the computer reads the password for starting the computer from the IC card by the built-in verification device, and performs verification with the password stored in the computer. If the passwords match each other, the computer startup process is continued.

JP 2000-215172 A

  According to the above-described conventional example, since authentication using a personal identification number that is widely spread and used and authentication using fingerprint information (biological information) excellent in security are used in combination, there is a risk of unauthorized use due to loss or theft. There are very few security methods. However, the authentication by the password and the authentication by the fingerprint information (biological information) are the same function in terms of authentication, and the input operation of the same function is executed twice in succession in the conventional example. It was difficult for users to understand the significance of operation, and improvements in usability were desired. Also, transaction details can be entered after two authentication operations, and further confirmation operations are required after the transaction details are entered. Therefore, two authentication operations and one confirmation operation are required before the transaction is completed. It has become a redundant operation requiring a total of three operations, and improvement in usability has been desired.

  An object of the present invention is to provide an automatic transaction apparatus that is easy to operate and has good usability while maintaining an authentication function with high security, a transaction approval method using the automatic transaction apparatus, and a transaction approval program for the automatic transaction apparatus.

  A first aspect of the present invention for achieving the above object is to read a card unit that reads information stored in a card, an input unit that inputs transaction information, a display unit that has a display screen, and read biological information. A biometric information reading unit and a control unit that controls them comprehensively, and the control unit displays a display screen for inputting transaction information and a display screen for approving the transaction in that order. In addition to control, control is performed so that transactions are approved by biometric authentication based on a display screen for transaction approval.

A more preferable specific configuration example in the first aspect of the present invention is as follows.
(1) The input unit is configured to be able to input a personal identification number, and the control unit is controlled to display a display screen for inputting the personal identification number before the display screen for inputting the transaction information. To do.
(2) The biometric information reading unit reads finger vein information, and the control unit performs transaction approval processing by finger vein information authentication and transaction confirmation based on the finger vein information read by the biometric information reading unit. There is.
(3) The control unit determines whether biometric authentication is required for the input transaction information. If biometric authentication is not required in this determination, the control unit displays a display screen for transaction approval using a transaction button. It must be controlled.
(4) The said control part shall control to display the illustration which guides finger vein authentication with the transaction amount on the display screen which guides transaction confirmation.

  Further, the second aspect of the present invention provides a procedure for displaying a display screen for inputting transaction information on the display unit when a card is inserted in the card unit, and confirming the transaction when the transaction information is input. This is a transaction approval method by an automatic transaction apparatus, including a procedure for displaying a display screen for display on a display unit, and a procedure for performing transaction approval by biometric authentication while displaying the display screen for confirming the transaction.

A more preferable specific configuration example in the second aspect of the present invention is as follows.
(1) A display screen for inputting a personal identification number when a card is inserted into the card part is further displayed on the display part, and a display for inputting transaction information when the personal identification number is entered. Display the screen on the display.
(2) The biometric authentication is based on the finger vein read by the biometric information reading unit.

  Moreover, the 3rd aspect of this invention is the card | curd part which reads the information stored in the card | curd, the input part which inputs transaction information, the display part which has a display screen, The biometric information reading part which reads biometric information, A display for inputting transaction information when a card is inserted in the card unit in a transaction approval program that operates in the control unit of an automatic transaction apparatus that is a computer having a control unit that controls these in an integrated manner A procedure for displaying a screen on the display unit, a procedure for displaying a display screen for approving a transaction when transaction information is input, and a state in which a display screen for approving the transaction is displayed. And a procedure for approving a transaction by biometric authentication.

A more preferable specific configuration example in the third aspect of the present invention is as follows.
(1) A display screen for inputting a personal identification number when a card is inserted into the card part is further displayed on the display part, and a display for inputting transaction information when the personal identification number is entered. Display the screen on the display.

  According to the present invention, it is possible to provide an automatic transaction apparatus that is easy to operate and has good usability while maintaining an authentication function with high security, a transaction approval method using the automatic transaction apparatus, and a transaction approval program for the automatic transaction apparatus.

  Hereinafter, an embodiment of the present invention will be described with reference to FIGS. The present embodiment relates to an automatic transaction apparatus such as an ATM (Automatic Teller Machine) employed in a financial institution system such as a bank system.

  First, with reference to FIG. 1, the schematic structure of the automatic transaction apparatus 1 which concerns on this embodiment is demonstrated. FIG. 1 is a top perspective view of an automatic transaction apparatus 1 according to an embodiment of the present invention.

  In FIG. 1, what is generally indicated by reference numeral 1 is an automatic transaction apparatus installed in a lobby of a financial institution or the like. In the present embodiment, the automatic transaction apparatus 1 will be described using an example of ATM. The automatic transaction apparatus 1 is disposed so as to close an L-shaped opening and a main body housing 10 having an opening cut out in an L shape when a part of the front side of the rectangular parallelepiped is viewed from the side. The front panel 11 is formed in an L shape.

  The main body housing 10 includes a base housing 12 having an open front surface, a plate-shaped front door 13 provided below the front surface of the base housing 12, and a plate-shaped rear surface disposed on the back surface of the base housing 12. And a door 14. The base case 12 is a mechanism unit that performs various transaction processes, for example, a display unit 220 with a touch panel, a card unit 221, a passbook details printing unit 222, a transmission control unit 223, a storage device unit 224, and a coin entry / exit shown in FIG. The money part 225, the banknote depositing / withdrawing part 226, the power supply part 227, the biometrics authentication part 228, the control part 229, etc. are incorporated. The display unit 220 with a touch panel has functions as an information input device and an output device, and the card unit 221 has a function as a reading device and an output device for the ID card 212 (see FIGS. 2 and 3). The operation display unit 15 of the display unit with touch panel 220, the medium ports 18, 19, 23, 24 of each unit and the biometric information reading unit 22 of the biometric authentication unit 228 are arranged so as to be exposed from the front panel 11.

  The L-shaped front panel 11 includes a panel portion 16 that forms a vertical surface on the front surface of the main body, and a table portion 17 that forms a horizontal plane. In the present embodiment, a medium handling unit 20 including a card / statement handling port 18 and a passbook handling port 19 is arranged at the center of the panel unit 16 constituting the vertical surface, and an operation is performed at the center of the table unit 17 constituting the horizontal plane. On the both sides of the display unit 15, an emergency contact handset 21 and a biometric information reading unit 22 of the biometric authentication unit 228 are disposed, and a bill insertion / discharge port 23 and a coin insertion / discharge are provided at the corners of the horizontal and vertical planes. An outlet 24 is juxtaposed.

  Next, with reference to FIG. 2, the structure of the financial institution system in which this automatic transaction apparatus 1 is installed, and the structure of the automatic transaction apparatus 1 are demonstrated. FIG. 2 is a block diagram of a financial institution system using the automatic transaction apparatus 1 of FIG.

  In this financial institution system, equipment (computers) such as servers, terminals, and systems of a plurality of sales stores 200 and a specialized center 350 are compared to equipment (computers) such as servers and hosts of the center 100 that controls the financial institution system. Are connected via a network 300 to devices (computers) such as servers and terminals. A plurality of devices (computers) are connected to the sales store 200 via a store network 211, and these devices (computers) are connected to devices (computers) of the center 100 and the specialized center 350 via the network 300. Various financial services can be provided to customers who use this financial institution system. In addition, the financial institution system can be connected to other financial systems and various service site devices (computers) via the network 300.

  Each device (computer) in the center 100 is connected to a device (computer) in another business store 200 or a device (computer) in the specialized center 350 via the HUB server 150, so that all information in the financial institution can be obtained. General management. The HUB server 150 is also used as a gateway server, and includes an integrated channel server 110 that controls a group of channel AP servers, a billing host 140, a new product server 130 that includes various new product information, A customer management server 120 for comprehensively managing the customer information is connected.

  The integrated channel server 110 is a support system that is connected to the device (computer) of the business store 200 via the network 300 and provides various information to the device (computer) of the business store 200. Under the control of the integrated channel server 110, an IB server 111 having IB content information, a store AP server 112 having store information, a store management server 113 having store visitor information, Product information server 114 provided with the content information, employee management server 115 provided with employee information, and customer information management server 116 provided with customer information data.

  On the other hand, the business store 200 is provided with various devices connected via a store network 211. For example, in this system, the automatic transaction apparatus 1, the reception terminal 208 that manages the entrance and exit of the customer's store, the consultation terminal 207 that handles various customer consultations, the information table terminal 206 that provides various information to the customer, Consultation table terminal 205 that recommends consultations and business negotiations to customers, counter transaction terminal 204 that provides various services related to transactions by customers to the customer, counter counter transaction terminal 203 that supports the counter transaction terminal 204, and various financial related devices A financial device 202, a store server 201 that manages various information in the store, a store communication system 210 that performs wireless communication and position detection in the store, and the like are provided.

  Further, in this financial institution system, various information can be provided via a portable terminal 213 owned by the customer, an ID card (individual authentication card) 212 provided by the financial institution to the customer, or the like. This ID card 212 is composed of an IC card, and customer's personal information (code number (identification number), biometric information (in this embodiment, finger vein information), various information such as transaction information) is stored in the IC chip. It is stored and registered as an electrical signal.

  The automatic transaction apparatus 1 includes a control unit 229 that controls and controls the automatic transaction apparatus 1, a display unit with a touch panel 220 that also serves as an information input unit, and a card unit 221 that reads and writes various cards. A bankbook detail printing unit 222 for writing a bankbook, a transmission control unit 223 for connecting to the store network 211, a storage device unit 224 for storing various information, a coin deposit / withdrawal unit 225, and a banknote deposit / withdrawal Unit 226, power supply unit 227, and biometric authentication unit 228.

  Next, the outline of the system configuration of the automatic transaction apparatus 1 will be described with reference to FIG. FIG. 3 is a schematic block diagram showing an example of the system configuration of the automatic transaction apparatus 1 of FIG.

  The computer 229 includes a CPU 259, a memory 260, input / output interfaces 255 to 258, and the like. The memory 260 constitutes the storage device unit 224 shown in FIG. 2, and stores a program for performing a control operation described later. The CPU 259 constitutes the control unit 229 shown in FIG. 2 and executes control using a program stored in the memory 260.

  The card unit 221 is connected to the computer 229 via the input / output interface 257. By inserting the ID card 212 into the card unit 221, the personal information of the customer registered in the ID card 212 is read by the card unit 221. And stored in the memory 260 via the input / output interface 257 of the computer 229.

  Further, a finger 261 is inserted between the light source 251 and the camera 252, and an image signal of finger vein information is acquired when the switch 253 is pressed. Instead of pressing the switch 253, an image signal may be acquired by finger placement detection by a finger placement detection sensor (not shown). This finger vein information acquires a finger blood vessel pattern as graphic information. If palm vein information can be used instead of finger vein information, it may be used. Finger vein information and palm vein information are collectively referred to as hand vein information. The light source 251, the camera 252, and the switch 253 described above constitute the biological information reading unit 22 of the automatic transaction apparatus 1 shown in FIG. The image signal of the camera 252 is converted into digital information by the image input unit 254 and stored in the memory 260 via the input / output interface 255 of the computer 229.

  Further, the switch 253 is similarly connected via the input / output interface 256, and the on / off state is stored in the memory 260, or an interrupt signal is generated to the CPU 259 at the same time when it is turned on.

  When the CPU 259 confirms that the state of the switch 253 is turned on or detects an turned-on interrupt signal, the CPU 259 activates and executes a software program for authentication. Based on the processing result of the program, the result is displayed on the display unit 220 with a touch panel, output to the card unit 221 and written to the ID card 212, or an appropriate signal is sent to the control target 280 to open the door. Various controls such as opening and closing are performed. Note that the display unit with a touch panel 220 also serves as an information input unit as described above, and can be used to input auxiliary information, transaction information, and the like related to authentication such as a password.

  In the present embodiment, the biometric information reading unit 22 constituting the biometric authentication unit 222 reads the finger vein and uses it for authentication. Therefore, compared with the case where the palm vein is read and used for authentication. The volume of information is small, the authentication speed is fast, and the authentication device is small and easy to use.

  In the above example, the example in which the biometric information (finger vein information) is recorded in the ID card has been described. However, the biometric information is recorded in the server of the center 100 that controls the system such as the financial institution. Is also possible. With such a configuration, biometric authentication can be performed using the information read by the biometric authentication unit 222 and the biometric information stored in the server without carrying an ID card.

  Next, with reference to FIG. 4, the structure of the biometric information reading part 22 which comprises the biometrics authentication part 222 of the automatic transaction apparatus 1 is demonstrated. FIG. 4 is an explanatory diagram of the biometric information reading unit 22 of the automatic transaction apparatus 1 of FIG. 1, and is a plan view and a side view of a state where a finger is held over the biometric information reading unit. The user holds his / her finger so that the fingertip is positioned in the vicinity of the mark 22a of the biometric information reading unit according to an operation guidance or the like that prompts the user to hold the finger. FIG. 4 shows an example of holding the index finger of the right hand. The belly of the held finger is supported by the finger holding part 22b, and the biometric information is read in a stable state.

  Next, a transaction method using finger vein information using the automatic transaction apparatus 1 will be described with reference to FIGS. FIG. 5 is a control flowchart showing a transaction method using finger vein information using the automatic transaction apparatus 1 of FIG. 1, and FIGS. 6 to 14 are displayed on the operation display unit 15 (display unit 220 with a touch panel) in the transaction method. It is a figure of the transition figure of a display screen, or a modification. Control operations in these transaction methods are executed by the CPU 259 based on a program stored in the memory 260 shown in FIG. If palm vein information can be used instead of finger vein information, it may be used. In that case, an illustration of the palm is displayed on the screen instead of the illustration of the finger.

  In FIG. 5, when the automatic transaction apparatus 1 is activated and program control is started (step S11), the top menu screen 401 shown in FIG. 6 is displayed on the operation display unit 15 (step S12). In this state, it is determined whether the menu button on the top menu screen 401 has been selected (step S13), and the display of the top menu screen 401 is continued until the menu button is selected.

  Next, when the transaction button on the operation display unit 15 is selected, the card insertion screen 402 shown in FIG. 7 is displayed on the operation display unit 15 (step S14). In this state, it is determined whether the ID card 212 is inserted (step S15), and the display of the card insertion screen 402 is continued until the ID card 212 is inserted. Although omitted in FIG. 5, when the operations in steps S14 and S15 have elapsed, the process returns to step S11 and the top menu screen 401 is displayed.

  Next, when the ID card 212 is inserted from the card / detail slip handling port 19, the password input screen 403 shown in FIG. 8 is displayed on the operation display unit 15 (step S16). In this state, it is determined whether a password has been input (step S17), and the display of the password input screen 403 is continued until the password is input. The input method of the personal identification number here is widely used and is an input method familiar to users, and can be input easily. Although omitted in FIG. 5, it is determined here whether or not the input password is correct. If it is not correct, a guidance to the effect that the password is incorrect is displayed, and then the process returns to step S12 and the top menu screen 401 is displayed. Also, when the operations in steps S16 and S17 have elapsed for a predetermined time, the process returns to step S12 and the top menu screen 401 is displayed.

When the correct password is input, an input screen (not shown) for each transaction corresponding to the selected transaction menu is displayed (step S20). First, since the input screen (not shown) of each transaction is displayed by inputting the familiar password, the input screen (not shown) of each transaction can be displayed with security by the password. it can. Here, an example in which a card is inserted after selecting a menu button on the top menu screen 401 and a personal identification number is input has been described, but a card insertion and personal identification number may be input before the top menu screen is displayed. By displaying the top menu for the first time after entering the password, it is possible to provide an automated transaction with increased security.
In the state where each transaction input screen is displayed in step S20, it is determined whether or not the predetermined input is completed (step S21), and the display of the input screen for each transaction is continued until the predetermined input is completed. Although omitted in FIG. 5, when the operations of steps S20 and S21 have elapsed for a predetermined time, the process returns to step S11 and the top menu screen 401 is displayed.

  When the predetermined input by the user is completed, it is determined whether the card has finger vein information (biological information) registered (step S22). In the case of a card in which finger vein information is not registered, this determination is made so that the transaction can be completed with a conventional confirmation button, which makes it easy for the user to use. ing.

  If it is determined in step S22 that the finger vein information is a registered card, it is determined whether the transaction requires biometric authentication (step S23). This determination is for enabling transactions to be completed with a conventional confirmation button in the case of transactions that do not require high security until biometric authentication is performed, such as balance inquiry and deposit. Yes, this makes it easy for users to use.

  If it is determined in step S23 that the transaction requires biometric authentication, for example, a transaction approval screen A405 based on biometric authentication shown in FIG. 10 is displayed on the operation display unit 15 (step S24). In this state, it is determined whether transaction approval by biometric authentication has been performed (step S25), and display of the transaction approval screen A405 by biometric authentication is continued until transaction approval by biometric authentication is performed. When the transaction is approved, a screen (not shown) indicating that biometric authentication is performed and the transaction is approved, a card return screen (not shown), a cash release screen (not shown, transaction After a necessary screen) is displayed, a transaction end screen 408 shown in FIG. 13 is displayed for a predetermined time (step S26), and the process returns to step S12.

  As shown in the illustration on the right side of FIG. 9, the transaction approval by biometric authentication is completed by simultaneously performing confirmation and biometric authentication by simply holding the finger over the biometric information reading unit 22. Therefore, the operation becomes extremely simple, and the usability can be greatly improved. In particular, when using biometric authentication based on finger vein information, the operation is similar to pressing the confirmation button, such as holding the finger, so that the user operates with no discomfort as with the conventional operation of pressing the confirmation button. be able to. Further, since confirmation and biometric authentication are performed while looking at the transaction approval screen displaying the amount, a sense of security can be given to moving the amount. In addition, by interposing the transaction operation between the PIN code input operation and the biometric authentication operation, the PIN code input operation with the role of accessing (logging in) the transaction and the role of approving the input transaction are performed. The role of the biometric authentication operation can be clearly divided, and the meaning of the operation can be easily understood by the user, and the usability can be improved.

  As another example of the illustration on the right side of the transaction approval screen A405 by biometric authentication shown in FIG. 9, as shown in FIG. 10, a character of “confirm” is displayed on the part where the finger is held, or “confirmation” is held on the hand held up. By using the transaction approval screen B 406 based on biometric authentication that displays the characters of “”, the significance of the operation can be made clearer. As shown in FIG. 10, two illustration examples may be shown at the same time, or one of them may be displayed.

  In the present embodiment, an example of ATM has been described, but as shown in FIG. 11, a transaction approval screen by biometric authentication that displays the contents of a product or a ticket to be purchased on the left side of the screen and an operation guidance for finger authentication on the right side. By setting it as C407, it can use for automatic transaction apparatuses, such as a vending machine and an automatic ticket vending machine which accept while confirming purchase content.

  If it is determined in step S22 that the card is not registered with finger vein information, or if it is determined in step S23 that the transaction does not require biometric authentication, the operation display unit 15 is displayed, for example. A transaction approval screen 409 with a confirmation button shown in FIG. 13 is displayed (step S27). In this state, it is determined whether transaction approval by the confirmation button has been performed (step S28), and display of the transaction approval screen 409 by the confirmation button is continued until transaction approval by the confirmation button is performed. When the confirmation button is pressed, the process proceeds to step S26, and after the transaction end screen 408 is displayed for a predetermined time, the process returns to step S12.

  As described above, when biometric authentication is not required, the approval by the confirmation button similar to the conventional one can be used to relieve the sense of resistance for the user having resistance to biometric authentication.

It is a top perspective view of an automatic transaction device concerning one embodiment of the present invention. It is a block block diagram of the financial institution system using the automatic transaction apparatus of FIG. It is a schematic block diagram which shows an example of the system configuration | structure of the automatic transaction apparatus of FIG. It is explanatory drawing of the biometric information reading part of the automatic transaction apparatus of FIG. It is a control flowchart figure which shows the transaction method by the biometric information using the automatic transaction apparatus 1 of FIG. FIG. 6 is a first screen transition diagram in the transaction method of FIG. 5. It is a 2nd screen transition diagram in the transaction method. It is a 3rd screen transition diagram in the transaction method. It is a 4th screen transition diagram in the transaction method. It is a figure which shows the example from which the illustration in the 4th screen transition diagram of FIG. 9 differs. It is a figure which shows the example of a screen in the case of the transaction method of the automatic transaction apparatus different from FIG. It is a 5th screen transition diagram in the transaction method of FIG. It is a 6th screen transition diagram in the transaction method.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... ATM, 10 ... Main body housing | casing, 11 ... Front panel, 12 ... Base housing | casing, 13 ... Front door, 14 ... Back door, 15 ... Operation display part, 15a ... Operation display part, 16 ... Panel part, 17 ... Table part, 18 ... Card / statement handling port, 19 ... Passbook handling port, 20 ... Medium handling unit, 21 ... Handset, 22 ... Biometric information reading unit, 23 ... Bill insertion / discharge port, 24 ... Coin insertion / discharge port , 100 ... center, 110 ... integrated channel server, 111 ... IB server, 112 ... branch store AP server, 113 ... store visit management server, 114 ... merchandise information server, 115 ... clerk management server, 116 ... customer information management server, 120 ... Customer management server, 130 ... New product server, 140 ... Account host, 150 ... HUB server, 200 ... Sales store, 210 ... Store communication system, 201 ... Sales store server 202 ... Financial device, 203 ... Back PC terminal, 204 ... Window transaction terminal, 205 ... Consultation table terminal, 206 ... Information table terminal, 207 ... Consultation terminal, 208 ... Reception terminal, 211 ... Store network, 212 ... ID card, 213 DESCRIPTION OF SYMBOLS ... Mobile terminal, 220 ... Display unit with touch panel, 221 ... Card unit, 222 ... Passbook details printing unit, 223 ... Transmission control unit, 224 ... Storage device unit, 225 ... Coin deposit / withdrawal unit, 226 ... Banknote deposit / withdrawal unit, 227 ... Power supply unit, 229 ... Control unit, 251 ... Light source, 252 ... Camera, 253 ... Switch, 254 ... Image input device, 255 ... Input / output interface, 256 ... Input / output interface, 259 ... CPU, 260 ... Memory, 261 ... Finger 262: Control object, 300: Network, 350: Specialty center, 360: Consultant management server, 70 ... counselor terminal.

Claims (10)

A card section for reading information stored in the card;
An input section for entering transaction information;
A display unit having a display screen;
A biometric information reading unit for reading biometric information;
A control unit that controls these in an integrated manner,
The control unit controls to display a display screen for inputting transaction information and a display screen for approving the transaction in order, and approves the transaction by biometric authentication based on the display screen for approving the transaction. An automatic transaction apparatus characterized by being controlled to perform. The automatic transaction apparatus according to claim 1,
The input unit is configured to be able to input a password.
The control unit controls to display a display screen for inputting a personal identification number before a display screen for inputting the transaction information. In the automatic transaction apparatus according to claim 1 or 2,
The biometric information reading unit reads finger vein information, and the control unit performs finger vein information authentication and transaction approval processing by transaction confirmation based on the finger vein information read by the biometric information reading unit. An automatic transaction device characterized.   4. The automatic transaction apparatus according to claim 1, wherein the control unit determines whether biometric authentication is required for the input transaction information, and if the determination does not require biometric authentication, the control is performed. An automatic transaction apparatus for controlling to display a display screen for approving a transaction by a button. In the automatic transaction apparatus of Claim 3,
The said control part is controlled to display on the display screen which guides transaction confirmation so that the illustration which guides finger vein authentication may be displayed with transaction amount. The automatic transaction apparatus characterized by the above-mentioned. A procedure for displaying a display screen on the display unit for entering transaction information when a card is inserted in the card unit;
A procedure for displaying a display screen for confirming a transaction when transaction information is input on the display unit;
A transaction approval method using an automatic transaction apparatus, comprising: a procedure for performing transaction approval by biometric authentication in a state in which a display screen for confirming the transaction is displayed. In the transaction approval method by the automatic transaction apparatus according to claim 6,
A step of displaying on the display unit a display screen for inputting a personal identification number when a card is inserted into the card unit;
A transaction approval method using an automatic transaction apparatus, wherein a display screen for inputting transaction information is displayed on a display unit when a personal identification number is input. In the control method of the automatic transaction apparatus according to claim 6 or 7,
A transaction approval method for an automatic transaction apparatus, wherein the biometric authentication is based on a finger vein read by a biometric information reading unit. A card unit for reading information stored in the card, an input unit for inputting transaction information, a display unit having a display screen, a biometric information reading unit for reading biometric information, and a control unit for comprehensively controlling them. In the transaction approval program that operates in the control unit of the automatic transaction apparatus that is a computer equipped with,
A procedure for displaying a display screen for inputting transaction information on the display unit when a card is inserted in the card unit;
A procedure for displaying on the display unit a display screen for approving transactions when transaction information is input;
A transaction approval program for an automatic transaction apparatus, comprising: a procedure for performing transaction approval by biometric authentication in a state where a display screen for approving the transaction is displayed. In the transaction approval program for automatic transaction devices according to claim 9,
A step of displaying on the display unit a display screen for inputting a personal identification number when a card is inserted into the card unit;
A transaction approval program for an automatic transaction apparatus, characterized in that a display screen for inputting transaction information is displayed on a display unit when a password is input.

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