JP2007080123A - Automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction system which prevents transfer of cash by fraudulent practices of issuing fictitious bills by disguising himself/herself as a member such as of a family and relatives. <P>SOLUTION: This automatic transaction system is provided with: a card reading part for reading account information such as an account number of a transferor from a car inserted into an automatic transaction device 1; and a telephone voice input part for acquiring voiceprint data on a receiver of talking over the telephone with the transferor. A host computer 9 is provided with: a customer database 10 for prestoring the voiceprint data on a relational person such as the family and the relatives by being associated to the account information on the transferor and a control means for collating first voiceprint data received from the automatic transaction device 1 with second voiceprint data extracted from the customer database 10 on the basis of the account information on the transferor received from the automatic transaction device 1. The host computer 9 determines propriety of transfer transaction by a result of voiceprint data collation for collating the first voiceprint data with the second voiceprint data. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction system in a financial institution or the like, and more particularly, to an automatic transaction system that performs a transfer transaction by confirming a payee as a transfer destination.

A conventional automatic transaction system connects an automatic transaction apparatus installed in a store such as a financial institution and a host computer installed in the center of the financial institution through a communication line, and allows the customer to operate the automatic transaction apparatus. Communication is performed between the transaction apparatus and the host computer to conduct transactions such as “cash deposit”, “cash payment”, and “transfer”.
In such an automatic transaction system, when a customer performs a transfer transaction, for example, the customer's account information recorded on the magnetic stripe of the card inserted by the customer is read and the customer is allowed to input a personal identification number. When the information is sent to the host computer and the account is confirmed by the host computer and the fact that the transaction is possible is sent to the automatic transaction device, it becomes possible to conduct the transfer transaction with the automatic transaction device, and transfer to the customer The account number etc. is input and the cash is transferred.

In addition, additional information is added and registered in the information related to the bank account of the transfer destination, and at the time of the subsequent transfer transaction, this additional information is also displayed on the display unit of the automatic transaction device to select and transfer the customer's transfer. Some of them make it easy to confirm the contents (see, for example, Patent Document 1).
JP 2004-192111 A (paragraph “0011” to paragraph “0012”, FIG. 1)

In recent years, fraudulent billing scams that require cash transfer by telephone or direct mail are rampant, and in particular, fraudulent acts that demand cash transfer by phone etc. pretending to be relatives of family or relatives. ing.
Under these circumstances, in the conventional technology described above, a person who is requested to transfer cash by telephone or the like from a fraudster pretending to be a relative of a family member or relative, There is a problem that a large amount of cash may be transferred without being able to confirm whether or not the transferee is a relative.

  An object of the present invention is to solve such a problem.

  Therefore, the present invention accepts the input of transfer information specifying the account number of the transfer destination and the transfer amount by the transfer person's operation at the customer operation unit, and transmits the transfer information from the automatic transaction apparatus. In an automatic transaction system comprising a host computer that permits a transfer transaction in which a specified amount is transferred to an account of a transfer destination specified by the received transfer information, an account of a transfer person from an inserted card in the automatic transaction device A card reading unit for reading account information such as a number, and a telephone voice input unit for acquiring voice print data of a recipient who makes a call with the transfer person, and voice print data associated with the account information of the transfer person in the host computer Customer database stored in advance, first voice print data received from the automatic transaction apparatus, and the account of the transfer person received from the automatic transaction apparatus Control means for collating the second voiceprint data extracted from the customer database based on the information, and the host computer uses the result of voiceprint data collation to collate the first voiceprint data and the second voiceprint data. It is characterized by determining whether or not a transfer transaction is possible.

  The present invention as described above is advantageous in that it is possible to prevent damage to fictitious cash transfer requests by fraudsters pretending to be family members or relatives.

  Embodiments of an automatic transaction system according to the present invention will be described below with reference to the drawings.

First, the first embodiment will be described.
FIG. 2 is a perspective view showing the appearance of the automatic transaction apparatus in the first embodiment.
In FIG. 2, reference numeral 1 denotes an automatic transaction apparatus, which is installed in a financial institution such as a bank, a transportation facility such as a station, or a convenience store. This automatic transaction apparatus 1 can perform cash deposit transactions, withdrawal transactions, transfer transactions, and the like by operations of customers who are users.

Reference numeral 2 denotes a card insertion / discharge port, which is an insertion / discharge port that accepts insertion of a card by a customer's operation and discharges the inserted card to return to the customer. Further, a statement slip on which the transaction details are printed is also discharged from the card insertion / discharge port.
Reference numeral 3 denotes a banknote deposit / withdrawal port, which accepts banknotes inserted by customers and delivers banknotes to be dispensed to customers.

Reference numeral 4 denotes a coin deposit / withdrawal port that accepts coins inserted by the customer and delivers coins to be dispensed to the customer.
Reference numeral 5 denotes a passbook discharge port, which is an insertion discharge port that accepts insertion of a passbook by a customer's operation and discharges the inserted passbook to return to the customer.
Reference numeral 6 denotes a customer operation display panel in which a touch panel or the like for receiving input by a customer operation is arranged on a display panel such as a CRT (Cathode Ray Tube) or a liquid crystal display.

Reference numeral 7 denotes a handset, which includes a voice input unit such as a microphone for inputting voice and a voice output unit such as a speaker for outputting voice and transmitting information.
FIG. 1 is a block diagram showing the configuration of the automatic transaction system in the first embodiment.
In FIG. 1, 9 is a host computer, which is installed in a business center of a financial institution such as a bank. The host computer 9 includes calculation and control means such as a CPU (Central Processing Unit) and MPU (Micro Processing Unit), a storage means such as a magnetic disk and a semiconductor memory, a communication means, and the like. 1 is connected to the automatic transaction apparatus 1 so as to be able to communicate with each other, and exchanges transaction messages such as deposit, withdrawal, and transfer to and from the automatic transaction apparatus 1 to determine whether or not to establish a user transaction. In addition, the personal identification is performed to confirm that the customer who operates the automatic transaction apparatus 1 by receiving the account number and the personal identification number is the person himself / herself.

Further, the control means of the host computer 9 has a function for authenticating the person by voiceprint, that is, a function for confirming the identity of the person by comparing the voiceprint data received from the automatic transaction apparatus 1 with the voiceprint data previously stored in the database. ing. Note that the personal authentication by the voiceprint is a normal voice biometric authentication.
Reference numeral 10 denotes a customer database, which stores various information related to customers in association with customer account information. The customer database 10 is provided in the host computer 9 and can search for desired information based on specific information. Details will be described later.

As described above, the automatic transaction system includes the automatic transaction apparatus 1, the communication line 8, the host computer 9, the customer database 10, and the like.
The automatic transaction apparatus 1 includes a customer operation display unit 21, a card reading / printing unit 22, a deposit / withdrawal unit 23, a passbook unit 24, a handset unit 25, and a control unit 26.
The customer operation display unit 21 has a touch panel arranged on a display unit such as a CRT display or a liquid crystal display so that the customer can perform an input operation or the like. A screen for guiding the input operation and the like, and input information and the like are displayed. The customer operation display unit 21 can detect an input operation performed by the customer with a touch panel and output a predetermined signal.

The transaction selection screen displays transaction buttons such as “withdrawal”, “deposit”, and “transfer”. When the transaction button is pressed, the press is detected and a predetermined signal is output to the customer. Can execute the desired transaction.
The card reading / printing unit 22 reads account information such as an account number from the magnetic stripe or IC chip of the card inserted by the customer through the card insertion / ejection slot 2, and prints the details of the transaction performed by the customer on the statement slip Then, the card and the statement slip are discharged from the card insertion outlet 2.

The deposit / withdrawal unit 23 includes a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine, and performs a deposit / withdrawal process for banknotes and coins associated with transactions.
The bankbook unit 24 prints the transaction contents on the bankbook inserted by the customer from the bankbook insertion / discharge port 5, discharges the bankbook from the bankbook insertion / discharge port 5, and returns it to the customer.
The handset unit 25 has a normal telephone function by performing a predetermined operation using the handset 7 and the customer operation display panel 6, and can make a call with another telephone. This handset unit 25 can input the voice of the other party who is talking on the handset 7 as an audio signal. In addition, the handset unit 25 can use either an extension line for a customer to talk with a maintenance worker or the like and an external line for a phone call to a general subscriber telephone or the like.

The control unit 26 includes the customer operation display unit 21, the card reading / printing unit 22, the deposit / withdrawal unit 23, the passbook unit 24, and the handset unit 25, and the operation of the entire automatic transaction apparatus 1 is stored in software stored in a storage unit (not shown). Control based on.
Further, the control unit 26 can convert the voice signal of the other party who is talking with the handset 7 input via the handset unit 25 into voiceprint data and transmit it to the host computer 9.

FIG. 3 is an explanatory diagram showing the configuration of the customer database in the first embodiment.
Reference numeral 31 denotes an account number, which stores the account number of the account owner.
Reference numeral 32 denotes a name, which stores the name of the account owner.
Reference numeral 33 denotes a telephone number, which stores the account owner's telephone number.
Reference numeral 34 denotes voiceprint data, which stores voiceprint data of relatives such as the account owner's family and relatives. Therefore, the voiceprint data 34 can store the voiceprint data n from a plurality of voiceprint data 1 for one account. The voiceprint data 34 is registered in advance, and may be either a text dependent format for registering predetermined utterance contents or a text independent format for not limiting the utterance contents to be registered.

The customer database 10 is composed of the account number 31, the name 32, the telephone number 33, the voiceprint data 34, and the like, which are stored in association with each other. It is assumed that the account number 31, name 32, telephone number 33, voiceprint data 34, etc. are stored in advance when the account is opened.
The operation of the above configuration will be described.

The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).
First, a method for registering voiceprint data 34 in the customer database 10 will be described.
The voice print data 34 of the customer database 10 is stored in the customer's family, relatives, or other relatives using a voice input device such as an online terminal of a store connected to the host computer 9 via the communication line 8 when the customer opens an account. Are registered in association with the account information as voiceprint data.

  Further, even after the customer has opened an account, in the automatic transaction apparatus 1 provided with the voice input device, the customer presses the “voice print registration” button on the transaction selection screen displayed on the customer operation display unit 21, After reading the account information from the card inserted by the customer, entering the PIN and confirming the identity, the voice of the relative is input from the voice input device, and the voice print data is associated with the account information to the customer database. It is assumed that ten voiceprint data 34 are registered.

Next, the transfer destination confirmation process performed at the time of a customer's transfer transaction is demonstrated.
FIG. 4 is a flowchart showing the transfer destination confirmation process in the first embodiment, which will be described in accordance with steps represented by S in the figure.
When a proximity sensor (not shown) of the automatic transaction apparatus 1 detects the approach of a customer, the customer operation display unit 21 displays a transaction selection screen. On this transaction selection screen, transaction selection buttons such as “cash deposit”, “cash payment”, and “transfer” are displayed. Here, it is assumed that the customer presses the “Transfer” transaction selection button.

  S1a: When the “Transfer” transaction selection button is pressed by the customer, the customer operation display unit 21 displays a recipient confirmation selection screen. On this recipient confirmation selection screen, a message such as “Do you want to confirm the recipient? Press the outside line button to confirm. If not, please click the confirmation unnecessary button.” And “Outside line” Button and "no confirmation required" button are displayed.

S2a: When the “external line” button is pressed by the customer, the customer operation display unit 21 displays a card insertion guidance screen. On this card insertion guidance screen, words such as “Please insert a card” are displayed. The customer inserts the card into the card insertion / discharge port 2.
When a “confirmation unnecessary” button is pressed by the customer, a normal transfer transaction is performed in which the recipient is not confirmed.

  S3a: When the customer inserts the card, the card reading / printing unit 22 reads account information such as the account number recorded on the inserted card, and the customer operation display unit 21 displays a password input screen. On the password input screen, a message such as “Please press the password” and a numeric keypad from the numbers “0” to “9” are displayed. The customer presses the numeric keypad displayed on the customer operation display panel 6 and inputs a password.

S4a: When the customer inputs the password, the control unit 26 transmits the account information such as the customer's account number read from the card and the input password to the host computer 9. The host computer 9 that has received the customer's account information and personal identification number collates the personal identification number stored in advance in association with the account information and the received personal identification number to confirm the identity.
As a result of the identity verification of the host computer 9, if the identity of the host computer 9 is confirmed, the host computer 9 transmits a message indicating that the identity is the identity of the automatic transaction apparatus 1. The handset unit 25 of the automatic transaction apparatus 1 that has received the message enables the handset 7 to be used as a normal external telephone, and the customer operation display unit 21 displays a recipient telephone number input screen. On the recipient telephone number input screen, a message such as “Please enter recipient's telephone number” and numeric keys such as numbers “0” to “9” are displayed. The customer presses the numeric keypad displayed on the customer operation display panel 6 and inputs the telephone number of the recipient who is the transfer destination.

It is assumed that the customer knows the telephone number of the recipient by using a direct mail or the function of notifying the calling telephone number from the transfer requester who is the recipient.
S5a: When the recipient's telephone number is entered, the customer talks with the other party using the handset 7. At this time, the customer operation display unit 21 displays a voiceprint check screen. On this voiceprint check screen, a text such as “Please press the voiceprint check button to perform voiceprint check” and a “voiceprint check” button are displayed. Note that the call charge is withdrawn from the customer's account.

S6a: When a call is made, the customer presses a “voice print check” button displayed on the customer operation display panel 6.
S7a: When the “voice print check” button is pressed, the control unit 26 converts the voice of the other party of the customer call acquired by the handset unit 25 into voice print data.
S8a: When the voice of the other party is converted into voiceprint data, the control unit 26 transmits the voiceprint data to the host computer 9 together with the account information read from the card.

  S9a: The host computer 9 that has received the voiceprint data and the account information searches the customer database 10 based on the account number included in the account information, and extracts the voiceprint data 34 of the customer's relatives. The control means of the host computer 9 collates the received voiceprint data with the voiceprint data 34 of the relatives of the customer extracted from the customer database 10. When there are a plurality of voiceprint data 34, all voiceprint data 34 are collated.

S10a: If it is determined that matching voiceprint data 34 exists as a result of the collation, the customer operation display unit 21 displays a message or the like indicating that the voiceprint matches and authenticates the user, Continue the transfer transaction from the account.
S11a: On the other hand, when it is determined that they do not match as a result of collation, a message indicating that the voiceprints do not match is displayed on the customer operation display unit 21, and the transfer transaction is terminated.

In this way, it is confirmed that the recipient who is the transfer destination is a trusted relative who is registered in advance.
In this embodiment, the voiceprint data is used to determine whether or not the customer is a transfer person, but if the information can identify the person, the fingerprint is used. It may be biological information such as an iris or a vein pattern.

As described above, in the first embodiment, when a customer makes a transfer transaction with an automatic transaction apparatus, the voiceprint data of the recipient who is the transfer destination acquired by the handset and the relatives of the customer's family and relatives registered in advance. By collating with the voiceprint data, it is possible to prevent the damage of fictitious cash transfer requests by fraudsters posing as relatives.

Next, a second embodiment of the present invention will be described.

The configuration of the second embodiment is different from the configuration of the first embodiment in the configuration of the customer database 10. Note that parts similar to those of the first embodiment described above are denoted by the same reference numerals and description thereof is omitted.
FIG. 5 is an explanatory diagram showing the configuration of the customer database in the second embodiment of the present invention.
In FIG. 5, the account number 31, name 32, telephone number 33, and voiceprint data 34 are the same as those in the first embodiment, and the description thereof is omitted.

Reference numeral 35 denotes face image data, which stores image data of faces of relatives such as the account owner's family and relatives. Therefore, the face image data 35 can store face image data n from a plurality of face image data 1.
The customer database 10 includes the account number 31, the name 32, the telephone number 33, the voice print data 34, the face image data 35, and the like, which are stored in association with each other. It is assumed that the account number 31, name 32, telephone number 33, voiceprint data 34, face image data 35, and the like are stored in advance when an account is opened.

The operation of the above configuration will be described.
The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).
First, a method for registering the face image data 35 in the customer database 10 will be described.
The face image data 35 in the customer database 10 is stored in the customer's family by an image input device such as a digital camera such as an online terminal of a store connected to the host computer 9 via the communication line 8 when the customer opens an account. It is assumed that a face image of a relative such as a family member is photographed, and the photographed face image data is registered in association with account information.

  Further, even after the customer has opened an account, in the automatic transaction apparatus 1 provided with the image input apparatus, the customer presses the “Face Image Registration” button on the transaction selection screen displayed on the customer operation display unit 21. After the account information is read from the card inserted by the customer and the personal identification number is entered and the identity is confirmed, the face image is taken by the image input device, and the face image data is associated with the account information and voiceprint data 34. And registered in the face image data 35 of the customer database 10.

The method for registering the voiceprint data 34 is the same as in the first embodiment.
Next, the transfer destination confirmation process performed at the time of a customer's transfer transaction is demonstrated.
FIG. 6 is a flowchart showing a transfer destination confirmation process in the second embodiment, which will be described in accordance with steps represented by S in the figure.
When a proximity sensor (not shown) of the automatic transaction apparatus 1 detects the approach of a customer, the customer operation display unit 21 displays a transaction selection screen. On this transaction selection screen, transaction selection buttons such as “cash deposit”, “cash payment”, and “transfer” are displayed. Here, it is assumed that the customer presses the “Transfer” transaction selection button.

S1b to S9b: Since they are the same as S1a to S9a, description thereof is omitted.
S10b: If it is determined that matching voiceprint data 34 exists as a result of the comparison in S9b, the host computer 9 extracts face image data 35 associated with the matched voiceprint data 34 from the customer database 10, and the automatic transaction apparatus Send to 1.
S11b: The customer operation display unit 21 of the automatic transaction apparatus 1 that has received the face image data 35 displays the received face image together with the wording that the voiceprints matched and the identity authentication was successful, and the subsequent normal cash or account Continue the transfer transaction from.

S12b: On the other hand, if it is determined that they do not match as a result of collation, a message indicating that the voiceprints do not match is displayed on the customer operation display unit 21, and the transfer transaction is terminated.
In this way, it is confirmed that the recipient who is the transfer destination is a trusted relative who is registered in advance.
As described above, in the second embodiment, in addition to the effects of the first embodiment, when it is determined that a matching voiceprint exists as a result of voiceprint matching, the face image of the person is displayed on the automatic transaction apparatus. By displaying in the department, the effect is obtained that the customer who makes the transfer transaction can continue the transaction with more peace of mind.

Next, a third embodiment of the present invention will be described.

The configuration of the third embodiment is different from the configuration of the second embodiment in the configuration of the automatic transaction apparatus 1. Note that parts similar to those of the second embodiment described above are denoted by the same reference numerals and description thereof is omitted.
FIG. 7 is a perspective view showing the appearance of the automatic transaction apparatus in the third embodiment, and FIG. 8 is a block diagram showing the configuration of the automatic transaction system in the third embodiment.

7 and 8, reference numeral 15 denotes a voice input terminal, which connects the control unit 26 and a mobile phone, and inputs a voice signal of a call output from the mobile phone to the control unit 26.
Reference numeral 17 denotes a mobile phone, which is a normal mobile phone having a terminal for outputting a voice signal during a call. The voice input terminal 15 described above is connected to the voice signal output terminal of the mobile phone 17, and the voice signal of the other party who is talking on the mobile phone 17 can be input to the control unit 26. In addition, the control unit 26 can convert the input audio signal into voiceprint data.

In addition, what connects the mobile telephone 17 and the control part 26 is not restricted to this audio | voice input terminal 15, You may comprise so that a wireless communication means may be provided in both the mobile telephone 17 and the control part 26. FIG. For example, one using infrared communication that is short-range wireless communication or one using non-contact IC communication may be used.
The operation of the above configuration will be described.

The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).
The transfer destination confirmation process performed at the time of a customer's transfer transaction is demonstrated. Note that the method for registering the voiceprint data 34 and the face image data 35 in the customer database 10 is the same as that in the second embodiment, and the description thereof is omitted.

FIG. 9 is a flowchart showing the transfer destination confirmation process in the third embodiment, which will be described in accordance with steps represented by S in the figure.
When a proximity sensor (not shown) of the automatic transaction apparatus 1 detects the approach of a customer, the customer operation display unit 21 displays a transaction selection screen. On this transaction selection screen, transaction selection buttons such as “cash deposit”, “cash payment”, and “transfer” are displayed. Here, it is assumed that the customer presses the “Transfer” transaction selection button.

  S1c: When the transaction selection button of “transfer” is pressed by the customer, the customer operation display unit 21 displays a recipient confirmation selection screen. On this recipient confirmation selection screen, a message such as “Do you want to confirm the recipient? Please press the mobile phone call button to confirm. If you do not confirm, please press the confirmation unnecessary button.” Display the "Mobile phone call" button and the "No confirmation required" button.

  When the “mobile phone call” button is pressed by the customer, the customer operation display unit 21 displays a mobile phone call guidance screen. On this mobile phone call guidance screen, a message such as “Please enter the recipient's phone number on your mobile phone” and a “Confirm” button are displayed. The customer presses the numeric keypad of the mobile phone 17 to input the recipient's telephone number as the transfer destination, and then presses the “Confirm” button displayed on the customer operation display unit 21.

It is assumed that the customer knows the telephone number of the recipient by using a direct mail or the function of notifying the calling telephone number from the transfer requester who is the recipient.
S2c: When the “Confirm” button is pressed, the customer operation display unit 21 displays a card insertion guidance screen. On this card insertion guidance screen, words such as “Please insert a card” are displayed. The customer inserts the card into the card insertion / discharge port 2.

When a “confirmation unnecessary” button is pressed by the customer, a normal transfer transaction is performed in which the recipient is not confirmed.
S3c: When the customer inserts the card, the card reading / printing unit 22 reads account information such as the account number recorded on the inserted card, and the customer operation display unit 21 displays a password input screen. On the password input screen, a message such as “Please press the password” and a numeric keypad from the numbers “0” to “9” are displayed. The customer presses the numeric keypad displayed on the customer operation display panel 6 and inputs a password.

S4c: When the customer inputs the password, the control unit 26 transmits the account information such as the customer's account number read from the card and the input password to the host computer 9. The host computer 9 that has received the customer's account information and personal identification number collates the personal identification number stored in advance in association with the account information and the received personal identification number to confirm the identity.
As a result of the identity verification of the host computer 9, if the identity of the host computer 9 is confirmed, the host computer 9 transmits a message indicating that the identity is the identity of the automatic transaction apparatus 1. Upon receiving the message, the customer operation display unit 21 of the automatic transaction apparatus 1 displays a connection guidance screen for guiding the connection of the mobile phone 17 to the voice input terminal 15. On this connection guidance screen, a message such as “Please connect the mobile phone to the voice input terminal” and a “Confirm” button are displayed.

The customer connects the mobile phone 17 to the voice input terminal 15 and presses the “Confirm” button on the connection guidance screen.
S5c: When the “Confirm” button is pressed, the customer makes a call with the other party using the mobile phone 17. At this time, the customer operation display unit 21 displays a voiceprint check screen. On this voiceprint check screen, a text such as “Please press the voiceprint check button to perform voiceprint check” and a “voiceprint check” button are displayed. Note that the call charge is withdrawn from the customer's account.

S6c to S12c: Since they are the same as S6b to S12b, description thereof is omitted.
In this way, it is confirmed that the recipient who is the transfer destination is a trusted relative who is registered in advance.
As described above, in the third embodiment, in addition to the effects of the second embodiment, the customer can use a familiar mobile phone, and the operation performed by the customer can be simplified. Is obtained.

The block diagram which shows the structure of the automatic transaction system in a 1st Example. The perspective view which shows the external appearance of the automatic transaction apparatus in 1st Example Explanatory drawing which shows the structure of the customer database in a 1st Example. The flowchart which shows the transfer destination confirmation process in 1st Example Explanatory drawing which shows the structure of the customer database in 2nd Example. Flowchart showing transfer destination confirmation processing in the second embodiment The perspective view which shows the external appearance of the automatic transaction apparatus in a 3rd Example. The block diagram which shows the structure of the automatic transaction system in a 3rd Example. Flowchart showing transfer destination confirmation processing in the third embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Card insertion discharge port 3 Banknote deposit / withdrawal port 4 Coin deposit / withdrawal port 5 Passbook insertion / discharge port 6 Operation display board 7 Handset 8 Communication line 9 Host computer 10 Customer database 21 Customer operation display part 22 Card reading printing part 23 Deposit / withdrawal unit 24 Passbook unit 25 Handset unit 26 Control unit

Claims (4)

Specify the transfer account number and transfer amount, etc. by the transfer person's operation at the customer operation unit, and specify the automatic transaction device that sends the transfer information and the transfer information received from the automatic transaction device In an automatic transaction system comprising a host computer that permits a transfer transaction to transfer a specified amount to a designated bank account,
The automatic transaction apparatus is provided with a card reading unit that reads account information such as the account number of the transfer person from the inserted card, and a telephone voice input unit that acquires voice print data of the recipient who makes a call with the transfer person,
A customer database in which voice print data is stored in advance in association with the account information of the transfer person in the host computer, first voice print data received from the automatic transaction apparatus, and account information of the transfer person received from the automatic transaction apparatus Control means for collating the second voice print data extracted from the customer database based on
An automatic transaction system characterized in that the host computer determines whether or not a transfer transaction is possible based on a result of voiceprint data collation for collating first voiceprint data and second voiceprint data. In the automatic transaction system of claim 1,
An automatic transaction system characterized in that the voiceprint data stored in advance in the customer database is at least one voiceprint data of relatives such as the family or relative of the transfer person. In the automatic transaction system according to claim 1 or claim 2,
In the customer database, the face image data of the same person is stored in advance in association with the stored voiceprint data,
When the host computer detects matching voice print data in the voice print data collation, it sends a message to the automatic transaction apparatus to permit the transfer transaction together with the face image data extracted based on the voice print data. An automatic transaction system characterized in that a face image received by a transaction apparatus is displayed. In the automatic transaction system according to claim 1, claim 2 or claim 3,
An automatic transaction system, wherein the telephone voice input unit is a handset or a mobile phone.