JP2007334659A - Individual authentication system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an inexpensive individual authentication system for identifying a user individual by using either one of fingertip vein information and palm vein information. <P>SOLUTION: The individual authentication system is provided with a medium for storing either one of previously registered fingertip vein information and palm vein information, a reading part for reading out either one of the registered fingertip vein information and the registered palm vein information from the medium, a positioning means for positioning a hand on a prescribed image pickup position, a fingertip photographing part for photographing a fingertip of the hand, a palm photographing part for photographing a palm, a vein information sort judgment part for judging whether the vein information read out from the medium is the fingertip vein information or the palm vein information, a photography instruction means for instructing either one of the fingertip photographing part and the palm photographing part to take a picture correspondingly to the judged vein information, a living body information generating part for extracting a vein pattern from the acquired image and generating vein information, and a biometrics judgment part for collating the vein information with the registered vein information and judging whether a user is the registered individual or not. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a personal authentication system having biometric authentication means for identifying an individual using a vein pattern of one of a fingertip and a palm.

  In recent years, the damage caused by fraudulent use of fraudulent cards and fraudulent withdrawals due to customer impersonation continues to increase, and at the same time, the amount of damage is enormous, and preventing fraudulent withdrawal has become an urgent issue in the financial industry. Therefore, in the financial industry, as a measure against fraudulent withdrawal, it is disclosed in a financial transaction system having biometric authentication means for performing customer authentication using a biometric feature of a customer with a very high authentication rate, for example, Patent Document 1 In addition, a system including an automatic transaction apparatus having a “fingertip vein” authentication terminal that performs personal authentication of a customer using a vein pattern of the customer's fingertip has been introduced.

For example, an automatic transaction apparatus having a “palm vein” authentication terminal that performs personal authentication of a customer using a vein pattern of the palm of the customer as disclosed in Patent Document 2 has been put into practical use.
JP-A-11-203452 JP 2005-228290 A

  However, the automatic transaction apparatus set up by each financial institution has only one of the above authentication means, and the customer always goes to the store of the financial institution that has an account in order to perform the financial transaction. It was necessary to operate an automatic transaction apparatus equipped with an installed biometric authentication means.

  As a solution to the above problem, a method in which each financial institution installs an automatic transaction apparatus having a “finger vein” authentication terminal and a “palm vein” authentication terminal. However, the above method has a problem that the system configuration cost becomes high.

  In view of the above problems, the object of the present invention is to obtain a fingertip and palm vein pattern from a user without providing a fingertip vein authentication terminal and a palm vein authentication terminal, and the fingertip and palm It is an object of the present invention to provide an inexpensive personal authentication system that enables individual identification using any vein pattern.

The present invention adopts the following configuration in order to solve the above points.
<Configuration 1>
The personal authentication system of the present invention reads either one of registered fingertip vein information and registered palm vein information from a medium, and a medium holding either registered fingertip vein information or registered palm vein information registered in advance by the user. In a personal authentication system including a reading unit, positioning means for positioning a user's hand at a predetermined imaging position, a fingertip photographing unit for photographing a fingertip of the positioned user's hand, and a palm of the positioned user A palm photographing unit to be photographed, a vein information type determining unit that determines whether the vein information read from the medium by the reading unit is fingertip vein information or palm vein information, and a fingertip photographing unit and a palm corresponding to the determined vein information An imaging instruction means for instructing one of the imaging units to perform imaging, and a vein pattern is extracted from an image acquired based on the imaging instruction. A biological information generation unit for generating a vein information and the generated vein information read registered vein information matches, the user is characterized by comprising a determining biometric authentication determining unit that determines whether the person.

<Configuration 2>
The personal authentication system of the present invention reads either one of registered fingertip vein information and registered palm vein information registered in advance by the user, and either one of the registered fingertip vein information or registered palm vein information from the medium. In a personal authentication system including a reading unit, positioning means for positioning a user's hand at a predetermined imaging position, a fingertip palm imaging unit that images the fingertip and palm of the positioned user's hand, and a reading unit from a medium A vein information type determination unit that determines whether the read vein information is fingertip vein information or palm vein information, and extracts a vein pattern of either the fingertip or palm from an image acquired in correspondence with the determined vein information The biometric information generation unit that generates vein information is collated with the generated vein information and the read registered vein information. Characterized in that it comprises a determining whether or not the biometric authentication determining unit.

  According to the present invention, the vein pattern of the fingertip and the palm can be obtained from the user without using the fingertip vein authentication terminal and the palm vein authentication terminal, and the vein pattern of either the fingertip or the palm is used. Personal identification.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

<Configuration of Example 1>
As shown in FIG. 1, the personal authentication system according to the first embodiment of the present invention includes an IC card 100, an automatic transaction apparatus 200, a self-host 300 connected to the automatic transaction apparatus 200 via a network 500, It is comprised with the other host 400. Here, the system is introduced into, for example, a financial institution and used for customer authentication at the time of financial transactions.

  By the way, in order to simplify the explanation, only one automatic transaction apparatus 200 is shown in FIG. 1, but many automatic transaction apparatuses 200 having the same functions as the automatic transaction apparatus 200 are connected to the network 500. Has been.

  Although only one other host 400 is shown in FIG. 1, another other host is connected to the network 500. Here, the other bank host 400 is a device that performs management of customer information of other banks, financial transaction processing, and the like, and has the same functions as the own bank host 300.

  The IC card 100 is a cash card held by a customer, and includes a CPU (Central Processing Unit) 101, an account information holding unit 102, a customer biometric information holding unit 103, and a biometric authentication determination unit 104.

  The account information holding unit 102 is a unit that holds account information (a financial institution code, a branch code, an account number, etc.) of a customer who holds the IC card 100.

  The customer biometric information holding unit 103 is a unit that holds customer biometric information indicating a pre-registered customer biometric feature, and encodes customer fingertip vein information and customer palm vein pattern encoded customer fingertip vein patterns. Keep any of the customer palm vein information.

  When the CPU 101 acquires any of fingertip vein information and palm vein information, which will be described later, from the automatic transaction apparatus 200, the CPU 101 instructs the biometric authentication determination unit 104 to perform biometric authentication determination.

  When receiving the biometric authentication instruction, the biometric authentication determination unit 104 compares the customer biometric information held in the customer biometric information holding unit 103 with either the fingertip vein information or the palm vein information to determine a match / mismatch. It is a part to do.

  Then, when the biometric authentication determination unit 104 determines that the match matches, the CPU 101 generates an authentication match signal and supplies the authentication match signal to the automatic transaction apparatus 200.

  On the other hand, when the biometric authentication determination unit 104 determines that the verification does not match, the CPU 101 generates an authentication mismatch signal and supplies the authentication mismatch signal to the automatic transaction apparatus 200.

  The automatic transaction apparatus 200 is an apparatus operated by a customer to perform a financial transaction such as cash withdrawal, for example, and includes a communication unit 201, a control unit 202, a display unit 203, and a card reading unit connected to the network 500. 204, a temporary storage unit 205, a vein information type determination unit 206, a biological information reading unit 207, a biological information generation unit 208, an input unit 209, and a deposit / withdrawal unit 210.

  The biometric information reading unit 207 is a unit that reads either fingertip vein information indicating a fingertip vein pattern or palm vein information indicating a palm vein pattern from a customer who operates the automatic transaction apparatus 200, and includes a palm fixing device 2071 and palm fixing. The instrument support 2072, IR (Infrared Rays) illumination 2073, a fingertip shooting camera 2074, a palm shooting camera 2075, and a glass plate 2076 are provided. FIG. 2 shows a configuration of the biological information reading unit 207 according to the first embodiment of the present invention.

  The palm fixator 2071 and the palm fixator post 2072 position the customer's palm for either taking a picture of the customer's fingertip with the fingertip camera 2074 and taking a picture of the customer's palm with the palm camera 2075. The palm fixing column 2072 supports the palm fixing unit 2071 from below.

  The palm fixing device 2071 has a shape and a function for fixing the palm by being installed between the middle finger and the ring finger of the customer's right hand. As shown in FIG. 2, the dimensions of the palm fixator 2071 are vertical = 20 mm, horizontal = 15 mm, height = 30 mm, and the distance between the middle finger and the ring finger = 5 mm. The dimension of the palm fixing column 2072 is a diameter = 10 mm, and the focal length from the palm fixing unit 2071 to the fingertip shooting camera 2074 and the palm shooting camera 2075 is configured to be 50 mm. Further, the palm fixing column 2072 is installed between the fingertip shooting camera 2074 and the palm shooting camera 2075. FIG. 3 shows an example when the biometric information reading unit 207 reads the biometric information of the customer.

  The IR illumination 2073 is a lighting device for irradiating the customer's fingertip and palm with near infrared rays, and a sensor (not shown) provided in the biological information reading unit 207 detects that the customer's palm is fixed to the palm fixing device 2071. Irradiate the customer's fingertip and palm with near infrared rays. Since the reduced hemoglobin in the vein has a characteristic of absorbing near infrared rays, when the infrared light 2073 is used to irradiate the fingertip and palm of the customer with near infrared rays, the reflection of the near infrared rays is reduced only in the vein portion. Therefore, when IR light 2073 is used to irradiate the customer's fingertip and palm with near-infrared light and the fingertip and palm are photographed by an imaging device, an image of the fingertip and palm vein pattern is obtained from the intensity of near-infrared reflection. be able to.

  The fingertip photographing camera 2074 is a narrow-angle camera for photographing a vein pattern of a customer's fingertip, and receives a fingertip photographing instruction, which will be described later, and a sensor (not shown) provided in the biometric information reading unit 207 is a palm fixer 2071. When the customer's palm is detected, the fingertip of the customer irradiated with near infrared rays from the IR illumination 2073 is photographed to generate a fingertip vein image indicating the fingertip vein pattern.

  A palm photographing camera 2075 is a narrow-angle camera for photographing a vein pattern of a customer's palm. Upon receiving a palm photographing instruction, a sensor (not shown) provided in the biological information reading unit 207 is connected to the palm fixing device 2071. When the palm of the hand is sensed, the palm of the customer irradiated with near infrared rays from the IR illumination 2073 is photographed to generate a palm vein image showing a palm vein pattern.

  An example of the shooting range of the fingertip shooting camera 2074 and the palm shooting camera 2075 is shown in FIG. Since the fingertip shooting camera 2074 and the palm shooting camera 2075 are narrow-angle cameras with little image distortion, both cameras cannot shoot the entire hand. That is, the shooting range of the fingertip shooting camera 2074 is the upper part of the palm centering on the fingertip, and the shooting range of the palm shooting camera 2075 is the center of the palm. FIG. 4A shows an example of the viewpoint on the fingertip photographing camera 2074 side. FIG. 4B shows an example of a viewpoint on the palm photographing camera 2075 side.

  The glass plate 2076 is used as a cover that covers the IR illumination 2073, the fingertip imaging camera 2074, and the palm imaging camera 2075, and the palm of the customer is the IR illumination 2073, the fingertip imaging camera 2074, and the palm. The direct contact with the camera 2075 for photographing is prevented.

  The control unit 202 executes a memory control program (not shown), and causes the display unit 203 to display a card insertion instruction screen for allowing the customer to insert the IC card 100 into a card insertion unit (not shown).

  When the customer inserts the IC card 100 into a card insertion unit (not shown) with reference to the card insertion instruction screen displayed on the display unit 203, the card reading unit 204 stores account information held in the IC card 100 and customer biometric information. And read.

  When the card reading unit 204 reads the account information and the customer biometric information held by the IC card 100, the control unit 202 stores the account information and the customer biometric information in the temporary storage unit 205 and the vein information. The type determination unit 206 is instructed to determine the type of vein information.

  Then, the control unit 202 instructs the vein information type determination unit 206 to determine the type of vein information, and executes a memory control program (not shown) to read the customer's right hand middle finger and ring finger to read the biometric information. A palm fixing instruction screen for instructing fixing to the palm fixing device 2071 of the unit 207 is displayed on the display unit 203.

  The vein information type determination unit 206 is a unit that determines whether the customer biometric information held in the temporary storage unit 205 is customer fingertip vein information or customer palm vein information. When receiving an instruction to determine the type of vein information, A feature code indicating either a fingertip vein or a palm vein is extracted from the customer biometric information, which is code data, and it is determined whether the information is customer fingertip vein information or customer palm vein information based on the feature code. .

  Then, when the vein information type determination unit 206 determines that it is customer fingertip vein information, the control unit 202 instructs the fingertip shooting camera 2074 to perform fingertip shooting.

  On the other hand, when the vein information type determination unit 206 determines that the information is customer palm vein information, the control unit 202 instructs the palm imaging camera 2075 to perform palm imaging.

  When the fingertip imaging camera 2074 generates a fingertip vein image, the control unit 202 instructs the biometric information generation unit 208 to generate fingertip vein information.

  On the other hand, when the palm photographing camera 2075 generates a palm vein image, the control unit 202 instructs the biometric information generation unit 208 to generate palm vein information.

  When the biometric information generation unit 208 receives an instruction to generate fingertip vein information, the biometric information generation unit 208 extracts, for example, a vein pattern of the fingertip of the index finger from the fingertip vein image generated by the biometric information reading unit 207 using the fingertip vein information generation unit 2081. Fingertip vein information in which the fingertip vein pattern is coded is generated. Here, the fingertip vein information generation unit 2081 estimates the position of the fingertip of the index finger, for example, from the fingertip vein image based on the setting of a control program (not shown), and generates the fingertip vein information.

  On the other hand, upon receiving an instruction to generate palm vein information, the biological information generation unit 208 extracts a palm vein pattern from the palm vein image generated by the biological information reading unit 207 using the palm vein information generation unit 2082, Palm vein information in which the palm vein pattern is coded is generated. Here, the palm vein information generation unit 2082 estimates the palm position from the palm vein image based on the setting of a control program (not shown), and generates the palm vein information.

  When the fingertip vein information is generated by the biological information generation unit 208, the control unit 202 supplies the fingertip vein information to the IC card 100.

  On the other hand, when the palm vein information is generated by the biological information generation unit 208, the control unit 202 supplies the palm vein information to the IC card 100.

  Then, when acquiring the authentication match signal from the IC card 100, the control unit 202 executes a memory control program (not shown), generates a withdrawal request amount input screen for the customer to input a withdrawal request amount, A withdrawal request amount input screen is displayed on a display provided in the display unit 203.

  On the other hand, when acquiring the authentication mismatch signal from the IC card 100, the control unit 202 executes a memory control program (not shown), generates a biometric mismatch notification screen for notifying the biometric mismatch, and displays the biometric mismatch notification screen. The information is displayed on a display provided in the display unit 203, the IC card 100 is discharged from a card discharge unit (not shown), and the financial transaction process is stopped.

  When the customer inputs the withdrawal request amount from the input unit 209 with reference to the withdrawal request amount displayed on the display unit 203, the control unit 202 and the account stored in the temporary storage unit 205. Information is transmitted to the host 300.

  Accordingly, when the control unit 202 obtains a withdrawal permission signal (to be described later) from the own host 300, the control unit 202 operates the deposit / withdrawal unit 210, so that the deposit / withdrawal unit 210 dispenses banknotes corresponding to the requested withdrawal amount. When the depositing / withdrawing unit 210 finishes withdrawing, the control unit 202 transmits the withdrawal amount and the account information held in the temporary storage unit 205 to the local host 300, and removes the IC card 100 from the unillustrated discharging unit. Discharge and end financial transaction processing.

  In addition, when the control unit 202 obtains a withdrawal impossible signal described later from the own host 300, the control unit 202 executes a memory control program (not shown), so that the deposit balance is smaller than the withdrawal request amount for the customer, so that withdrawal is impossible. A withdrawal impossible notification screen for notifying that there is present is displayed on a display provided in the display unit 203, the IC card 100 is ejected from an unillustrated ejecting unit, and the financial transaction processing is stopped.

  The own host 300 is a device that performs management of customer information of the own bank, financial transaction processing, and the like, and includes a communication unit 301 connected to the network 500, a control unit 302 that controls the entire device, a temporary storage unit 303, A customer information database (DB) 304 and a customer information management unit 305 are provided.

  The customer information DB 304 is a unit that holds customer information for each customer, and includes customer account information (financial code, branch code, account number, etc.) and customer personal information (name, date of birth, address, occupation, Family structure, etc.), balance information, deposit / withdrawal information, etc.

  When the control unit 202 acquires the account information (financial institution code, branch code, account number, etc.) and the withdrawal request amount from the automatic transaction apparatus 200, the control unit 202 temporarily stores the account information and the withdrawal request amount. And instruct the assigned host determination unit 306 to determine the assigned host.

  Upon receiving the host determination instruction, the responsible host determination unit 306 searches a financial institution information database (DB) (not shown) held in the local host 300 based on the financial institution code of the account information held in the temporary storage unit 303. If the financial institution code is the own financial institution code, it is determined that the host is in charge of the own bank.

  The responsible host determination unit 306 determines that the host is in charge of another bank if the financial institution code is another bank financial institution code.

  When the responsible host determination unit 306 determines that the account information is in charge of the bank host, the control unit 302 instructs the customer information management unit 305 to determine withdrawal.

  On the other hand, when the responsible host determination unit 306 determines that the account information is in charge of the other bank host, the control unit 302 includes biometric information authentication completion information in the account information held in the temporary storage unit 303 and the withdrawal request amount. To the corresponding other host 400.

  The customer information management unit 305 is a unit that updates the customer information held in the customer information DB 304 and makes a withdrawal determination. Upon receiving a withdrawal judgment instruction, the customer information management unit 305 receives the customer information based on the account information held in the temporary storage unit 303. The DB 304 is searched, the balance information of the corresponding customer information is compared with the withdrawal request amount held in the temporary storage unit 303, and if the withdrawal request amount is equal to or less than the balance information, it is determined that withdrawal is permitted. When the customer information management unit 305 determines that the withdrawal is permitted, the control unit 302 generates a withdrawal permission signal and transmits the withdrawal permission signal to the automatic transaction apparatus 200.

  On the other hand, when the customer information management unit 305 determines that the withdrawal is impossible because the balance information is smaller than the withdrawal request amount, the control unit 302 generates a withdrawal impossible signal and transmits the withdrawal impossible signal to the automatic transaction apparatus 200. To do.

  When the control unit 302 acquires the account information and the withdrawal amount from the automatic transaction apparatus 200, the control unit 302 stores the account information and the withdrawal amount in the temporary storage unit 303 and instructs the customer information management unit 305 to update the customer withdrawal information. To do.

  Upon receiving an instruction to update customer deposit / withdrawal information, the customer information management unit 305 searches the customer information DB 304 based on the account information held in the temporary storage unit 303 and holds the corresponding customer information in the temporary storage unit 303. The balance information and the deposit / withdrawal information are updated based on the withdrawal amount.

<Operation of Example 1>
Next, the operation of the first embodiment of the personal authentication system of the present invention will be described with reference to the flowchart shown in FIG. Here, it is assumed that the customer has his / her own account and holds his / her IC card 100 (customer biometric information = customer fingertip vein information).

  When a sensor (not shown) of the automatic transaction apparatus 200 detects a customer, the control unit 202 executes a memory control program (not shown) and displays, for example, “Please insert a card into the insertion unit” on a display provided in the display unit 203. A card insertion instruction screen showing a message is displayed.

  When the customer refers to the card insertion instruction screen and inserts the IC card 100 into a card insertion section (not shown) of the automatic transaction apparatus 200, the card reading section 204 reads account information (financial institution code, branch code) held by the IC card 100. , Account number) and customer biometric information are read (step S101).

  When the card reading unit 204 acquires the account information and the customer biometric information, the control unit 202 causes the temporary storage unit 205 to store the account information and the customer biometric information and also to the vein information type determination unit 206. Instructs the determination of the type of vein information.

  The control unit 202 instructs the vein information type determination unit 206 to determine the type of vein information and executes a memory control program (not shown) to the palm fixer 2071 of the biological information reading unit 207 to the customer. The display unit 203 displays a palm fixing instruction screen for instructing to fix the right palm.

  Upon receiving an instruction to determine the type of vein information, the vein information type determination unit 206 extracts a feature code indicating a fingertip vein from the customer biometric information, and determines that the information is customer fingertip vein information based on the feature code. (Step S102).

  Then, when the vein information type determination unit 206 determines that it is customer fingertip vein information, the control unit 202 instructs the fingertip shooting camera 2074 to perform fingertip shooting.

  On the other hand, referring to the palm fixing instruction screen displayed on the display unit 203, the customer fixes the right palm using the palm fixing device 2071 and the palm fixing column 2072 provided in the biological information reading unit 207.

  When the IR illumination 2073 senses that the palm of the customer is fixed to the palm fixing device 2071 by a sensor (not shown) provided in the biological information reading unit 207, the IR illumination 2073 irradiates the palm of the customer with near infrared rays.

  When the fingertip shooting camera 2074 receives a fingertip shooting instruction and a sensor (not shown) provided in the biological information reading unit 207 senses that the palm of the customer is fixed to the palm fixer 2071, the IR illumination 2073 emits near infrared rays. A fingertip vein image indicating the fingertip vein pattern is generated by photographing the irradiated fingertip of the customer (step S103).

  When the fingertip imaging camera 2074 generates a fingertip vein image, the control unit 202 instructs the biometric information generation unit 208 to generate fingertip vein information.

  Upon receiving an instruction to generate fingertip vein information, the biometric information generation unit 208 uses the fingertip vein information generation unit 2081 to extract, for example, a fingertip vein pattern from the fingertip vein image, and codes the fingertip vein pattern. Generated fingertip vein information is generated (step S104).

  When the biometric information generation unit 208 generates fingertip vein information, the control unit 202 supplies the fingertip vein information to the IC card 100 of the own bank via the card reading unit 204.

  When the CPU 101 of its own IC card 100 acquires the fingertip vein information, it instructs the biometric authentication determination unit 104 to perform biometric authentication determination.

  When receiving the biometric authentication determination instruction, the biometric authentication determination unit 104 compares the customer fingertip vein information held in the customer biometric information holding unit 103 with the fingertip vein information to determine a match / mismatch (step S105). If it determines with a match, CPU101 will produce | generate an authentication coincidence signal and will transmit this authentication coincidence signal to the automatic transaction apparatus 200. FIG.

  On the other hand, when the biometric authentication determination unit 104 determines that there is a mismatch, the CPU 101 generates an authentication mismatch signal and supplies the authentication mismatch signal to the automatic transaction apparatus 200.

  When the control unit 202 of the automatic transaction apparatus 200 acquires the authentication mismatch signal, the control unit 202 executes a memory control program (not shown) and displays, for example, a biometric authentication message on the display provided in the display unit 203, for example, “Biometric authentication is mismatched”. A mismatch notification screen is displayed, the IC card 100 is discharged from a card discharge unit (not shown), and the financial transaction process is stopped.

  On the other hand, when the control unit 202 of the automatic transaction apparatus 200 acquires the authentication match signal, the control unit 202 executes a memory control program (not shown) and displays, for example, a message “Please input the requested amount” on the display provided in the display unit 203. At the same time, a withdrawal request amount input screen for the customer to enter the withdrawal request amount is displayed.

  When the customer refers to the withdrawal request amount input screen displayed on the display unit 203 and inputs a withdrawal request amount, for example, “25,000 yen” from the touch panel provided in the input unit 209 (step S106), the control unit 202 The withdrawal request amount and the account information held in the temporary storage unit 205 are transmitted to the local host 300 via the communication unit 201.

  When the control unit 302 of the own host 300 acquires the account information and the withdrawal request amount “25,000 yen”, the control unit 302 stores the account information and the withdrawal request amount in the temporary storage unit 303, and The determination unit 306 is instructed to determine the host in charge.

  In response to the instruction to determine the responsible host, the responsible host determination unit 306 searches a financial institution information DB (not shown) of the local host 300 based on the financial institution code of the account information held in the temporary storage unit 303, and the financial institution code Since it is the own banking institution code, it is determined that the host host is in charge (step S107).

  When the responsible host determination unit 306 determines that the host host is in charge, the control unit 302 instructs the customer information management unit 305 to determine withdrawal.

  Upon receiving the withdrawal determination instruction, the customer information management unit 305 searches the customer information DB 304 based on the account information held in the temporary storage unit 303, and holds the balance information of the corresponding customer information and the temporary storage unit 303. The withdrawal request amount “25,000 yen” is compared to determine whether the withdrawal request amount is equal to or less than the balance information (step S108).

  When the customer information management unit 305 determines that the withdrawal request amount “25,000 yen” is equal to or less than the balance, the control unit 302 generates a withdrawal permission signal and transmits the withdrawal permission signal to the communication unit. It transmits to the automatic transaction apparatus 200 via 301.

  On the other hand, when the customer information management unit 305 determines that the withdrawal request amount “25,000 yen” is larger than the balance, the control unit 302 generates a withdrawal impossible signal and transmits the withdrawal impossible signal to the communication unit 301. To the automatic transaction apparatus 200.

  When acquiring the withdrawal impossible signal, the control unit 202 of the automatic transaction apparatus 200 executes a memory control program (not shown), and displays on the display provided in the display unit 203, for example, “The deposit balance is less than 25,000 yen withdrawal request”. “Withdrawal processing cannot be performed” is displayed, a withdrawal impossible notification screen is displayed, the IC card 100 is ejected from a not-shown ejecting unit, and the financial transaction processing is stopped.

  On the other hand, when acquiring the withdrawal permission signal, the control unit 202 of the automatic transaction apparatus 200 operates the deposit / withdrawal unit 210 and withdraws banknotes corresponding to the withdrawal request amount “25,000 yen” from the deposit / withdrawal unit 210. (Step S109). When the deposit / withdrawal unit 210 completes the withdrawal, the control unit 202 transmits the withdrawal amount “25,000 yen” and the account information held in the temporary storage unit 205 to the local host 300 via the communication unit 201. At the same time, the IC card 100 is discharged from a discharge unit (not shown), and the financial transaction process is terminated.

  When acquiring the withdrawal amount “25,000 yen” and the account information, the control unit 302 of the local host 300 stores the withdrawal amount and the account information in the temporary storage unit 303 and sends the customer information management unit 305 to the customer. Instructs withdrawal information update.

  Upon receiving the customer withdrawal information update instruction, the customer information management unit 305 searches the customer information DB 304 based on the account information held in the temporary storage unit 303, and obtains the balance information and withdrawal information of the corresponding customer information. Update is made based on the withdrawal amount “25,000 yen” held in the temporary storage unit 303 (step S110).

<Effect of Example 1>
According to the personal authentication system of the first embodiment, since the palm of the customer is positioned using the palm fixer 2071 and the palm fixer column 2072, the fingertip photographing is performed based on the determination result of the vein information type determination unit 206. The fingertip image showing the vein pattern of the fingertip by photographing the customer's fingertip with the camera 2074 and the palm vein image showing the vein pattern of the palm by photographing the palm of the customer with the palm photographing camera 2075 Can do that.

<Configuration of Example 2>
As shown in FIG. 6, the personal authentication system according to the second embodiment of the present invention includes an IC card 100, an automatic transaction apparatus 200a, a self-host 300 connected to the automatic transaction apparatus 200a via a network 500, It is comprised with the other host 400.

  The second embodiment includes a wide-angle camera for photographing a customer's fingertip and palm instead of the fingertip photographing camera 2074 and the palm photographing camera 2075 provided in the automatic transaction apparatus 200 of the personal authentication system of the first embodiment. One fingertip palm imaging camera 2077 is provided, the fingertip vein information generation unit 2081 has a function of extracting and coding a fingertip vein pattern from a vein image acquired by imaging of the wide-angle camera, and a palm vein information generation unit 2082 has veins. A function for extracting and coding a palm vein information pattern from an image is added.

  The automatic transaction apparatus 200a is a terminal operated by a customer to perform a financial transaction such as cash withdrawal, for example, a communication unit 201 connected to the network 500, a control unit 202a, a display unit 203, and a card reading unit. 204, a temporary storage unit 205, a vein information type determination unit 206, a biometric information reading unit 207a, a biometric information generation unit 208a, an input unit 209, and a deposit / withdrawal unit 210.

  The biometric information reading unit 207a is a unit that acquires vein information of the entire hand indicating a fingertip vein pattern and a palm vein pattern from a customer who operates the automatic transaction apparatus 200a, and includes a palm fixer 2071, a palm fixer column 2072, IR (Infrared Rays) illumination 2073, a glass plate 2076, and a fingertip palm photographing camera 2077 are provided. FIG. 7 shows the configuration of the biological information reading unit 207a according to the second embodiment of the present invention.

  The shape, function, and dimensions of the palm fixing device 2071 and the palm fixing column 2072 are the same as those in the first embodiment. Here, the palm fixing device 2071 and the palm fixing column 2072 are instruments for positioning the customer's palm in order to photograph the customer's fingertip and palm with the fingertip palm photographing camera 2077. The palm fixing column 2072 is installed so as to be in contact with the fingertip palm camera 2077.

  The fingertip palm imaging camera 2077 is a wide-angle camera for imaging the vein pattern of the customer's fingertip and the vein pattern of the palm. A sensor (not shown) provided in the biometric information reading unit 207a receives a shooting instruction to be described later and fixes the palm. When it is detected that the palm of the customer is fixed on the container 2071, the fingertip and palm of the customer irradiated with near infrared light on the IR illumination 2073 are photographed to generate a vein image indicating the vein pattern of the entire hand.

  When the vein information type determination unit 206 determines that the fingertip vein information is customer fingertip vein information, the control unit 202a instructs the fingertip palm imaging camera 2077 to perform imaging and also instructs the biometric information generation unit 208a to generate fingertip vein information.

  On the other hand, when the vein information type determination unit 206 determines that the palm vein information is customer palm vein information, the control unit 202a instructs the fingertip palm imaging camera 2077 to perform imaging and also instructs the biometric information generation unit 208a to generate palm vein information. To do.

  When receiving the instruction to generate fingertip vein information, the biometric information generation unit 208a estimates the fingertip position of the index finger, for example, from the vein image generated by the biometric information reading unit 207a using the fingertip vein information generation unit 2081a. Are extracted, and fingertip vein information encoding the fingertip vein pattern is generated. Here, it is assumed that the fingertip vein information generation unit 2081a estimates the fingertip position of the index finger, for example, from the vein image based on the setting of a control program (not shown), and generates the fingertip vein information.

  On the other hand, when the biometric information generation unit 208a receives an instruction to generate palm vein information, the biometric information generation unit 208a uses the palm vein information generation unit 2082a to estimate the position of the palm from the vein information generated by the biometric information reading unit 207a. A vein pattern is extracted, and palm vein information in which the palm vein pattern is coded is generated. Here, the palm vein information generation unit 2082a estimates the position of the palm from the vein image based on the setting of a control program (not shown), and generates the palm vein information.

  When the fingertip vein information is generated by the biological information generation unit 208a, the control unit 202a supplies the fingertip vein information to the IC card 100.

  On the other hand, when the palm vein information is generated by the biological information generation unit 208 a, the control unit 202 a supplies the palm vein information to the IC card 100.

  Other configurations are the same as those of the personal authentication system of the first embodiment.

<Operation of Example 2>
Next, the operation of the personal authentication system having the vein authentication unit according to the second embodiment of the present invention will be described with reference to the flowchart shown in FIG. Here, it is assumed that the customer has his / her own account and holds his / her IC card 100 (customer biometric information = customer fingertip vein information).

  The operations in steps S201 and S202 in the second embodiment are the same as the operations in steps S101 and S102 in the first embodiment.

  When the vein information type determination unit 206 determines that the fingertip vein information is customer fingertip vein information, the control unit 202a instructs the fingertip palm imaging camera 2077 to perform imaging and also instructs the biometric information generation unit 208a to generate fingertip vein information.

  On the other hand, the customer refers to the palm fixing instruction screen displayed on the display unit 203 and fixes the right palm using the palm fixing device 2071 and the palm fixing column 2072 provided in the biological information reading unit 207a.

  When the IR illumination 2073 detects that a customer's palm is fixed to the palm fixing device 2071 by a sensor (not shown) provided in the biological information reading unit 207a, the IR illumination 2073 irradiates the palm of the customer with near infrared rays.

  When the finger photographing camera 2077 receives a photographing instruction and senses that a sensor (not shown) provided in the biometric information reading unit 207a detects that the palm of the customer is fixed to the palm fixing device 2071, the IR illumination 2073 emits near infrared rays. The irradiated fingertip and palm of the customer are photographed to generate a vein image indicating the vein pattern of the entire hand (step S203).

  Upon receiving an instruction to generate fingertip vein information, the biometric information generation unit 208a uses the fingertip vein information generation unit 2081a to extract, for example, the vein pattern of the fingertip of the index finger from the vein image, and encodes the fingertip vein pattern. The fingertip vein information is generated (step S204).

  The operations in steps S205 to S210 in the second embodiment are the same as the operations in steps S105 to S110 in the first embodiment.

<Effect of Example 2>
According to the personal authentication system of the second embodiment, when the entire customer's hand is photographed by the fingertip palm photographing camera 2077, a vein image including the fingertip and palm vein patterns is generated, so that it is inexpensive with only one photographing device. A personal authentication system can be configured.

  In this embodiment, the responsible host determination unit 306 determines that the host is in charge of the other bank, and the control unit 302 stores the account information held in the temporary storage unit 303 and the withdrawal request amount together with the authentication completion information. When transmitting to the other host 400 via the communication unit 301, the other host 400 receives the authentication completion information and determines that the authentication has been completed without performing authentication of the biometric information. Execute transaction processing.

  In this embodiment, the biometric authentication determination unit 104 is provided in the IC card 100, but may be provided in the automatic transaction apparatus 200.

  Furthermore, in this embodiment, either fingertip vein information or palm vein information is used for customer personal identification. However, the customer personal identification may be performed using both vein information.

  In the above configuration, the customer biometric information holding unit 103 of the IC card 100 holds both vein information of customer fingertip vein information and customer palm vein information. Here, the biometric authentication determination unit 104 of the IC card 100 collates the both vein information with the fingertip vein information and palm vein information acquired from the automatic transaction apparatus 200 based on the type of vein, respectively. It has a function of determining whether or not the matching results match based on the matching results.

  In the above-described embodiment, the personal authentication system in the financial institution has been described. However, the present invention is not limited to this. For example, the personal authentication system may be used in the entrance / exit management of companies and research facilities.

It is a block diagram which shows the personal authentication system of Example 1 which concerns on this invention. It is a figure which shows the structure of the biometric information reading part of Example 1 which concerns on this invention. It is a figure which shows an example at the time of a customer's biometric information reading in a biometric information reading part. It is a figure which shows an example of the imaging range of the camera for fingertip imaging | photography, and the camera for palm imaging | photography. It is a flowchart which shows operation | movement of the personal authentication system of Example 1 which concerns on this invention. It is a block diagram which shows the personal authentication system of Example 2 which concerns on this invention. It is a figure which shows the structure of the biometric information reading part of Example 2 which concerns on this invention. It is a flowchart which shows operation | movement of the personal authentication system of Example 2 which concerns on this invention.

Explanation of symbols

100 IC card 101 CPU
DESCRIPTION OF SYMBOLS 102 Account information holding part 103 Customer biometric information holding part 104 Biometric authentication determination part 200 Automatic transaction apparatus 201 Communication part 202 Control part 203 Display part 204 Card reading part 205 Temporary storage part 206 Vein information type determination part 207 Biometric information reading part 2071 Palm Fixing device 2072 Palm fixing device support 2073 IR illumination 2074 Fingertip imaging camera 2075 Palm imaging camera 2076 Glass plate 2077 Fingertip palm imaging camera 208 Biological information generation unit 2081 Fingertip vein information generation unit 2082 Palm vein information generation unit 209 input unit 210 Deposit / withdrawal unit 300 Own host 301 Communication unit 302 Control unit 303 Temporary storage unit 304 Customer information DB (database)
305 Customer Information Management Unit 306 Responsible Host Determination Unit 400 Other Host 500 Network

Claims (2)

A medium holding either registered fingertip vein information or registered palm vein information registered in advance by a user, and a reading unit that reads either the registered fingertip vein information or the registered palm vein information from the medium In the personal authentication system,
Positioning means for positioning the user's hand at a predetermined imaging position;
A fingertip imaging unit that images the fingertip of the user's hand that has been positioned;
A palm photographing unit for photographing the palm of the user positioned,
A vein information type determination unit that determines whether the vein information read from the medium by the reading unit is fingertip vein information or palm vein information;
Photographing instruction means for instructing photographing to one of the fingertip photographing unit and the palm photographing unit in correspondence with the determined vein information;
A biometric information generation unit that extracts a vein pattern from an image acquired based on the imaging instruction and generates vein information;
A personal authentication system comprising: a biometric authentication determination unit that compares the generated vein information with the read registered vein information and determines whether or not the user is the user. A medium holding either registered fingertip vein information or registered palm vein information registered in advance by a user, and a reading unit that reads either the registered fingertip vein information or the registered palm vein information from the medium In the personal authentication system,
Positioning means for positioning the user's hand at a predetermined imaging position;
A fingertip palm imaging unit for imaging the fingertip and palm of the user's hand positioned;
A vein information type determination unit that determines whether the vein information read from the medium by the reading unit is fingertip vein information or palm vein information;
A biometric information generating unit that generates vein information by extracting a vein pattern of one of a fingertip and a palm from the acquired image corresponding to the determined vein information;
A personal authentication system comprising: a biometric authentication determination unit that compares the generated vein information with the read registered vein information and determines whether or not the user is the user.

Images