JP2009187085A - Automatic teller machine and biometric transaction system using the same - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means for reregistering bioinformation in an automatic teller machine, and authenticating a customer by the reregistered bioinformation. <P>SOLUTION: This automatic teller machine 1 collates finger vein information acquired from a customer in a bioinformation acquisition part 6 and a registered finger vein information read from an IC card in a card reader/writer part 9, acquires reregistering finger vein information from the customer in the bioinformation acquisition part 6 when a collation rate thereof is less than a collation rate threshold value and satisfies a reregistration condition, transmits it to a host computer 15 for storage, acquires the reregistering finger vein information of the customer from the host computer 15 when a collation rate between the registered finger vein information read from the IC card and finger vein information acquired from the customer in the next transaction with the customer is less than the collation rate threshold value, and collates the registered finger vein information and the reregistering finger vein information. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that is provided in a financial institution and confirms a customer who performs a transaction by biometric information and a biometric transaction system using the automatic transaction apparatus.

In a conventional biometric transaction system, an automatic transaction apparatus acquires biometric information from a customer's finger placed in a biometric information acquisition unit, reads registered biometric information stored in advance in a customer's transaction card, And the registered biometric information are verified to confirm the customer's own biometric information, and the customer is authenticated (see, for example, Patent Document 1).
JP 2002-133491 A (paragraph 0014-paragraph 0015)

However, in the above-described conventional technology, when the registered biometric information stored in the customer's transaction card has passed for a certain period from the time of storage, when the biometric information of the customer has changed over time, Since the way of placing hands or fingers is different from that at the time of registration, the verification rate with the registered biometric information decreases, and customer authentication becomes impossible.
For this reason, re-registration of registered biometric information is required, but in general, re-registration is performed at the counter, and if re-registration is performed at the counter, the customer will come to the store within the business hours of the counter. There is a problem that the registered biometric information cannot be re-registered for a customer who cannot come to the store during business hours, which is inconvenient for the customer.

In addition, when an automatic transaction apparatus is provided with a function for storing biometric information of re-registration in a transaction card, it is necessary to install a biometric information acquisition unit having a function of storing biometric information in the transaction card, etc. There is a problem in cost.
An object of the present invention is to provide means for solving the above problems.

  In order to solve the above-mentioned problems, the present invention provides an automatic transaction apparatus including a biological information acquisition unit that acquires biological information from a customer, a card reader unit that reads information from a customer's transaction card, and a host device. A biometric authentication transaction system, wherein biometric information is stored in the transaction card, and the automatic transaction apparatus uses the biometric information acquired from the customer by the biometric information acquisition unit and the transaction card by the card reader unit. The biometric information read from the biometric information is verified, and when the verification rate is less than the threshold value for confirming the identity confirmation, the biometric information acquisition unit acquires biometric information for re-registration from the customer, The authentication process for authenticating the customer is performed by comparing the information with the biometric information read from the transaction card and confirming that the verification rate is within a certain range, and Transmits the biometric information for recording to the host device, the host device is characterized by storing the biometric information for the re-registration received from the automatic transaction apparatus.

Thereby, even if the collation rate of biometric information falls below a threshold value due to secular change or the like, the present invention performs processing for reregistration by the automatic transaction apparatus as long as the collation rate satisfies the reregistration conditions. Since it can be performed, it is possible to save the trouble of having the customer go to the window for re-registration, and the convenience is improved.
In addition, before storing biometric information for re-registration in the host device, biometric information for re-registration is compared with biometric information read from the transaction card. The effect that it can prevent storing in a high-order apparatus is acquired.

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

FIG. 1 is a block diagram illustrating the biometric transaction system according to the first embodiment.
In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus, which is installed in a store of a financial institution such as a bank or a store such as a convenience store, and automatically conducts transactions such as cash deposits and withdrawals with customers.
Reference numeral 2 denotes a main control unit, which has a function of performing various transactions by controlling the operation of each unit of the automatic transaction apparatus 1 based on a control program stored in the main storage unit 4. A communication line 20 is communicably connected to the host computer 15.

Reference numeral 4 denotes a main storage unit which has a function of storing a processing result or the like by the main control unit 2.
In addition, the main storage unit 4 performs customer authentication based on finger vein information, and compares the registered finger vein information with the customer's finger vein information to confirm the identity of the customer (96% or more in this embodiment). And a predetermined range for permitting re-registration of finger vein information in consideration of the aging of the customer's biological body even if it is less than the verification rate threshold, The verification rate is in the range of 80% to 95%.).

  Reference numeral 5 denotes a display operation unit, which is provided so as to be exposed on the customer service surface in front of the automatic transaction apparatus 1, a display unit such as a CRT display or a liquid crystal display with the display surface facing upward, and a touch panel disposed on the display unit It is defined as an input key by displaying a screen with messages for guiding customer operations in various transactions and input keys for that, and pressing the input key with a finger from the touch panel. Information can be input, and the input information is displayed.

A biometric information acquisition unit 6 has a function of acquiring finger vein information (biometric information) from a customer's hand placed thereon, and is provided on the customer service surface.
Reference numeral 7 denotes a cash deposit / withdrawal unit, which performs a cash deposit / withdrawal process associated with a transaction, and includes a banknote deposit / withdrawal machine that handles banknotes and a coin deposit / withdrawal machine that handles coins.
Reference numeral 9 denotes a card reader / writer unit, which has a function of reading and writing card information recorded on an IC chip of a customer's IC card (transaction card), and a function of printing a transaction result with a customer on a statement slip The card insertion return port and the statement slip printing port are provided on the customer service surface.

The card information of the IC card includes the customer name, financial institution code, branch code, account number, registered finger vein information (registered biometric information) registered when the customer opened the account, and customer-specific PIN (registered PIN). Number etc.).
Further, the card information is encrypted information for encrypting the finger vein information for re-registration, and the finger vein information for re-registration encrypted by the encrypted information is decrypted to obtain the original finger vein information for re-registration. It is assumed that the encryption information and the decryption information are composed of a unique code for each IC card.

10 is a passbook entry unit, which has a function of reading and writing data to a magnetic stripe provided in the customer's passbook, and also has a function of writing transaction contents in the customer's passbook. The mouth is provided on the customer service surface.
Reference numeral 15 denotes a host computer (higher-level device), which is installed at the center of a financial institution, and includes a host control unit 16, a host storage unit 17, a host communication unit 18, a customer information database 19, and the like.

The host control unit 16 controls the operation of the host computer 15 according to a control program stored in the host storage unit 17, and communicates with the automatic transaction apparatus 1 through the communication line 20 by the host communication unit 18. It has a function.
The customer information database 19 stores customer information such as name and financial institution code, branch code, account number, registered password, and re-registration finger vein information for each customer.

Regarding re-registration finger vein information, only when the customer re-registers finger vein information with the automatic transaction apparatus 1, the re-registered re-registration finger vein information is encrypted. And stored in the customer information database 19.
Further, it is assumed that the customer information database 19 stores the date when the re-registering finger vein information is stored in association with the re-registering finger vein information.

Reference numeral 25 denotes a window terminal, which is installed at a window of a financial institution's store and performs transactions such as deposits and withdrawals with customers by the operation of a window staff.
A terminal control unit 26 controls each unit of the window terminal 25 according to a control program for window transaction processing stored in the terminal storage unit 27, and the host computer 15 via the communication line 20 by the terminal communication unit 30. Connect so that it can communicate with.

Reference numeral 27 denotes a terminal storage unit, which stores a control program for a window transaction process executed by the terminal control unit 26, a verification rate threshold value, re-registration conditions, and the like, and stores a processing result by the terminal control unit 26 and the like.
A terminal biometric information handling unit 28 has a function of acquiring finger vein information from a customer's finger.
A terminal card handling unit 29 reads and writes card information from the customer's IC card, and replaces the finger vein information acquired by the terminal biometric information handling unit 28 with the registered finger vein information included in the card information. Has the function of writing.

Reference numeral 31 denotes a terminal input unit, which is equipped with a keyboard, a mouse, and the like, and is used by the counter staff for input for the counter transaction.
Reference numeral 32 denotes a terminal display unit which has a display screen such as an LCD and displays a guidance screen and the like indicating a procedure for performing a window transaction and contents input at that time.
The operation of the above-described configuration will be described according to the steps indicated by S using the flowchart showing the biometric authentication process of the biometric transaction system shown in FIG.

S1, The main control unit 2 of the automatic transaction apparatus 1 displays a transaction selection screen in which various transaction selection keys such as a withdrawal transaction and a deposit transaction are arranged on the display operation unit 5 and stands by.
A customer who makes a withdrawal transaction using the automatic transaction apparatus 1 presses a withdrawal transaction key from the displayed transaction selection screen.
S2, when the withdrawal transaction key is pressed, the main control unit 2 displays a card insertion screen with a screen prompting insertion of an IC card.

S3, when the customer inserts the IC card, the main control unit 2 displays a screen for prompting the customer to input a personal identification number by the display operation unit 5, its input field, a personal identification number input screen with a numeric keypad for entering the personal identification number, etc. Is displayed.
The customer inputs the password according to the displayed password input screen.
S4, the main control unit 2 stores the input personal identification number in the main storage unit 4, reads out the registered personal identification number from the IC card inserted by the card reader / writer unit 9, and reads out the stored personal identification number. Compare the registered password and confirm that both passwords match.

S5, the main control unit 2 displays a screen prompting the biometric information acquisition unit 6 to place the customer's finger, and when the customer places the finger on the biometric information acquisition unit 6, the finger from the customer's finger is displayed. Get vein information. At this time, the main control unit 2 stores the acquired finger vein information in the main storage unit 4.
S6, the main control unit 2 reads the registered finger vein information from the IC card by the card reader / writer unit 9, collates the obtained finger vein information with the read registered finger vein information, and recognizes the collation rate of the finger vein information Then, the verification rate threshold value stored in the main storage unit 4 is read, and it is determined whether or not the recognized verification rate is equal to or higher than the verification rate threshold value.

Here, it is assumed that the matching rate between the finger vein information and the registered finger vein information is determined to be less than the matching rate threshold.
S7, the main control unit 2 reads the card information from the inserted IC card, and transmits a re-registration information confirmation message with the card information to the host computer 15 via the communication line 20 by the communication unit 3.

S8, the host control unit 16 of the host computer 15 reads the customer information from the customer information database 19 based on the card information of the received re-registration information confirmation message, and whether or not the customer information includes finger vein information for re-registration. And a confirmation result notification with information indicating the confirmation result is transmitted to the information processing apparatus 1 via the communication line 20.
If there is finger vein information for re-registration from the confirmation result, the host control unit 16 gives the date of storing the finger vein information for re-registration and the finger vein information for re-registration to the confirmation result notification. .

Here, it is assumed that there is no finger vein information for re-registration in the customer information database 19 of the host computer 15.
S9. When the main control unit 2 recognizes that there is no finger vein information for re-registration from the received confirmation result notification, the main control unit 2 reads the re-registration condition from the main storage unit 4, and the matching rate recognized in step S6 is the re-registration condition. And confirming that the matching rate is included in the re-registration condition from the determination result.

When the verification rate is not included in the re-registration conditions, the main control unit 2 cancels the withdrawal transaction with the customer.
S 10, the main control unit 2 displays a screen indicating that finger vein information can be re-registered on the display operation unit 5, and “Yes / No” key for determining whether or not finger vein information is re-registered Display the re-registration presence / absence decision screen.

When the customer presses the “No” key on the re-registration presence / absence determination screen, the process returns to step S5 and the customer authentication is performed again using the customer's finger vein information.
Here, it is assumed that the customer presses the “Yes” key from the re-registration determination screen.
S11, the main control unit 2 displays a screen for prompting the biological information acquisition unit 6 to place the customer's finger on the display operation unit 5, and when the customer's finger is placed on the biological information acquisition unit 6, the biological information acquisition unit 6 to obtain finger vein information (re-registration finger vein information).

The main control unit 2 performs finger vein information acquisition by the biometric information acquisition unit 6 for a certain number of times (for example, three times), and collates the finger vein information acquired first with the finger vein information acquired after that. Confirm that the finger vein information for re-registration can be acquired in a normal state.
S12, the main control unit 2 stores the obtained finger vein information for re-registration in the main storage unit 4, reads out the re-registration conditions from the main storage unit 4, and reads out the registered finger vein information from the IC card. It is assumed that a new collation is performed between the information and the finger vein information for re-registration, the authentication process is performed by confirming that the collation rate is included in the read re-registration conditions, and the customer is authenticated.

S13, the main control unit 2 reads the card information from the inserted IC card, encrypts the finger vein information for re-registration with the encrypted information of the card information, and reads the encrypted finger vein information for re-registration. A re-registration instruction message with the card information is transmitted by the communication unit 3 to the host computer 15 via the communication line 20.
S14, the host control unit 16 retrieves the customer information database 19 based on the received card information, reads the customer information, and is obtained by the received encrypted finger vein information for re-registration and the date function (not shown). The date is stored in the read customer information, and a registration completion notice is transmitted to the automatic transaction apparatus 1 via the communication line 20.

S15, when the main control unit 2 receives the registration completion notification, the main control unit 2 causes the customer to input a withdrawal amount, etc., performs a communication process for the withdrawal transaction with the host computer 15, and issues the withdrawal as usual. Execute gold transaction processing and finish.
Thus, even if the matching rate between the finger vein information acquired from the customer's finger and the registered finger vein information stored in the IC card is less than the matching rate threshold, if the matching rate is included in the re-registration condition The finger vein information for re-registration is obtained from the customer, the customer is authenticated by collating the finger vein information for re-registration with the registered finger vein information stored in the IC card, and the finger vein information for re-registration is stored in the customer of the host computer. Store in the information database.

Next, the processing when the re-registration finger vein information is stored in the customer information database 19 will be described with reference to the flowchart showing the processing when the re-registration finger vein information is stored in the customer information database shown in FIG. A description will be given according to the steps indicated by SA.
Here, the confirmation result indicating that there is re-registration finger vein information from the host computer 15 in step S8 of FIG. 2, and the confirmation date and time when the re-registration finger vein information and the re-registration finger vein information are stored are given. Assume that the result notification is transmitted to the automatic transaction apparatus 1, and the processing of the automatic transaction apparatus 1 from step S8 in FIG. 2 when the confirmation result notification is received will be described.

SA1, the main control unit 2 of the automatic transaction apparatus 1 recognizes that there is finger vein information for re-registration from the confirmation result of the received confirmation result notification, and re-registration received by the decryption information of the inserted IC card. Decoding finger vein information.
SA2, the main control unit 2 reads out the finger vein information stored in the main storage unit 4 in step S5 of FIG. 2, that is, the finger vein information acquired from the customer's finger, and the finger vein information and the decrypted information as described above. A collation process for collating the registration finger vein information is performed, and it is determined whether or not the collation rate is equal to or greater than the collation rate threshold value. If the collation rate is equal to or greater than the collation rate threshold value, the process proceeds to the next step SA3. If YES, the process proceeds to step SA4.

  Note that the main control unit 2 performs a predetermined period (for example, one and a half months) after the registered finger vein information is stored based on the date included in the received confirmation result notification while performing the above collation. ) Judgment whether or not it has passed, and if a predetermined period of time has passed, display a guidance prompting the user to move the re-registration finger vein information from the host computer 15 to the IC card at an early stage It is assumed that it is displayed on the operation unit 5.

SA3, when the main control unit 2 confirms that the matching rate between the finger vein information and the re-registering finger vein information is equal to or higher than the matching rate threshold, the host computer 15 performs an input operation such as the withdrawal amount. The communication process for the withdrawal transaction is performed with the withdrawal transaction process, and the withdrawal transaction process is executed as usual.
SA4, the main control unit 2 of the automatic transaction apparatus 1 reads the re-registration condition from the main storage unit 4 and the card reader / writer when the collation rate between the finger vein information for re-registration and the finger vein information is less than the collation rate threshold value. The registration finger vein information is read from the IC card by the unit 9, the registration finger vein information and the re-registration finger vein information are collated, and it is determined whether or not the collation rate is included in the re-registration conditions. Confirm that it is included in the re-registration conditions.

If it is determined that the verification rate is lower than the re-registration condition, the withdrawal transaction with the customer is stopped and the withdrawal transaction process is terminated.
SA5, when the main control unit 2 confirms that the verification rate is included in the re-registration conditions, a screen asking whether or not to change the finger vein information for re-registration, and “Yes” for determining the presence / absence thereof Display the re-registration information change confirmation screen with the "/ No" key.

It is assumed that the customer presses the “Yes” key on the displayed re-registration information change confirmation screen.
SA6, the main control unit 2 displays a screen for prompting the biometric information acquisition unit 6 to place the customer's finger on the display operation unit 5, and when the customer's finger is placed on the biometric information acquisition unit 6, the biometric information acquisition unit The finger vein information as the finger vein information for re-registration changed by 6 is acquired.
SA7, the main control unit 2 stores the acquired finger vein information for re-registration in the main storage unit 4, reads out the re-registration conditions from the main storage unit 4, and registers the finger vein information from the IC card by the card reader / writer unit 9. , The registered finger vein information and the re-registering finger vein information are collated, and it is confirmed that the collation rate is included in the re-registration conditions, and the customer is authenticated.

SA8, the main control unit 2 reads the card information from the IC card by the card reader / writer unit 9, encrypts the finger vein information for re-registration with the encrypted information of the card information, A biometric information change message with the read card information is transmitted to the host computer 15 by the communication unit 3 via the communication line 20.
SA9, the host control unit 16 searches the customer information database 19 based on the received card information, reads the customer information, and does not show the encrypted finger vein information for re-registration attached to the biometric information change message. The date obtained by the date function is stored instead of the registration finger vein information and date contained in the customer information, and a change completion notice is transmitted to the automatic transaction apparatus 1 via the communication line 20.

SA 10, upon receiving the change completion notification, the main control unit 2 causes the customer to input a withdrawal amount, etc., performs communication processing for withdrawal transactions with the host computer 15, and issues the withdrawal as usual. Execute gold transaction processing and finish.
In this way, when the re-registration finger vein information is stored in the customer information database 19 of the host computer 15, the automatic transaction apparatus 1 uses the registered finger vein information stored in the IC card and the finger obtained from the customer's finger. When the collation rate with the vein information is less than the collation rate threshold, the finger vein information for re-registration is obtained from the host computer 15 and the finger vein information obtained from the customer's finger is collated with the finger vein information for re-registration. I am doing so.

If the matching rate between the finger vein information for re-registration and the finger vein information acquired from the customer's finger is less than the matching rate threshold, the finger vein information for re-registration and the registered finger vein information stored in the IC card The re-registration finger vein information can be changed when the re-registration rate is included in the re-registration conditions.
Next, when a counter transaction is performed, processing when finger vein information needs to be re-registered will be described according to the steps indicated by SB using the flowchart showing the transaction processing at the counter shown in FIG.

A customer who visits a financial institution's store enters the customer's name, account number, personal identification number, withdrawal amount, etc. on the slip used for withdrawal transactions at the counter, and this ticket and the IC card owned by the customer are in charge of the counter The counter staff inputs the account number, password, and withdrawal amount entered in the slip by the terminal input unit 31.
SB1, the terminal control unit 26 of the window terminal 25 stores the account number, password, and withdrawal amount input at the terminal input unit 31 in the terminal storage unit 27, and communicates a customer information transmission request with the account number. The data is transmitted to the host computer 15 via the line 20.

SB 2, the host computer 15 searches the customer information database 19 based on the received account number, reads the corresponding customer information, and transmits the customer information to the window terminal 25 via the communication line 20.
SB3, the terminal control unit 26 stores the received customer information in the terminal storage unit 27, reads out the password and withdrawal amount from the terminal storage unit 27, and the registered password and the read password number included in the received customer information. And confirming the match, comparing the account balance included in the received customer information with the read out withdrawal amount, and confirming that the withdrawal transaction is possible.

SB4 and the terminal control unit 26 display a screen that prompts execution of customer authentication based on finger vein information.
According to the displayed screen, the window clerk receives the IC card from the customer, inserts the IC card into the terminal card handling unit 29, and causes the terminal biometric information handling unit 28 to place a finger.
SB 5, the terminal control unit 26 acquires finger vein information from the customer's finger by the terminal biometric information handling unit 28, reads the registered finger vein information from the IC card by the terminal card handling unit 29, and registers the registered finger vein information and the finger Collate with vein information to recognize the collation rate.

SB6, the terminal control unit 26 reads the collation rate threshold value from the terminal storage unit 27 and determines whether or not the recognized collation rate is equal to or greater than the collation rate threshold value. Confirm that the rate is less than the verification rate threshold.
SB7, the terminal control unit 26 reads the stored customer information, determines whether or not the re-registration finger vein information is included in the customer information. The process proceeds to step SB8, and if re-registration finger vein information is included, the process proceeds to step SB14.

SB8, the terminal control unit 26 reads the re-registration condition from the terminal storage unit 27, determines whether or not the matching rate is included in the re-registration condition, and confirms that it is included in the re-registration condition here. Shall.
In step SB9, the terminal control unit 26 displays a screen on the terminal display unit 32 that prompts the customer to ask whether or not to re-register finger vein information.

The clerk asks the customer whether or not to re-register the customer according to the displayed screen, and performs an input operation for re-registration by the terminal input unit 31 in response to re-registration. .
The SB 10 and the terminal control unit 26 display on the terminal display unit 32 a re-registration start screen in which a screen for instructing the terminal biometric information handling unit 28 to place the customer's finger is arranged.

The window clerk guides the customer to place a finger on the terminal biometric information handling unit 28, and the terminal control unit 26 starts finger vein information (re-registration finger vein information) from the finger placed on the terminal biometric information handling unit 28. ) To get.
After acquiring the finger vein information for re-registration, the terminal biometric information handling unit 28 repositions the finger to display a screen indicating that the finger vein information is acquired again, and the acquired finger vein information is re-displayed. The process for checking the matching with the finger vein information for registration and confirming the match is performed a predetermined number of times (for example, three times) to confirm that the finger vein information for re-registration is obtained in a normal state. It may be.

The SB 11 and the terminal control unit 26 store the finger vein information for re-registration in the terminal storage unit 27, read out the registered finger vein information from the customer IC card by the terminal card handling unit 29, and re-register the finger vein information from the terminal storage unit 27. The registration condition is read, the verification rate of the re-registration finger vein information and the registration finger vein information is recognized, and it is confirmed that the verification rate is included in the re-registration condition.
The SB 12 and the terminal control unit 26 newly register the finger vein information for re-registration by writing the finger vein information for re-registration replaced with the registered finger vein information stored in the IC card by the terminal card handling unit 29. It is stored in the IC card as finger vein information.

The SB 13 and the terminal control unit 26 display on the terminal display unit 32 that the withdrawal transaction process is to be executed. The window clerk who has confirmed the display executes the withdrawal transaction processing of the transaction contents as usual based on the customer's slip.
When the SB 14 and the terminal control unit 26 confirm that the customer information includes the finger vein information for re-registration in step SB 7, the terminal controller 26 collates the finger vein information for re-registration with the finger vein information read from the IC card. To recognize the matching rate.

At this time, since the finger vein information for re-registration is encrypted and stored in the customer information as shown in step S14 of FIG. 1 described above, the terminal control unit 26 decrypts it from the IC card by the terminal card handling unit 29. The reenrollment finger vein information is decrypted based on the decrypted information.
In step SB15, the terminal control unit 26 reads the collation rate threshold value from the terminal storage unit 27, and confirms that the collation rate between the finger vein information for re-registration and the finger vein information is equal to or greater than the collation rate threshold value.

The SB 16 and the terminal control unit 26 write the re-registration finger vein information with the new registration finger information by replacing the finger vein for re-registration with the registration finger vein information stored in the IC card by the terminal card handling unit 29. The information is stored in the IC card as vein information, the process proceeds to the above-described step SB13, the counter transaction is executed as usual, and the process ends.
Since the new registration finger vein information is stored in the IC card, the terminal control unit 26 deletes the registration finger vein information included in the corresponding customer information in the customer information database 19 of the host computer 15. In addition, a deletion request is transmitted to the host computer 15.

As described above, when finger vein information is re-registered during the window transaction, new registered finger vein information is directly written to the IC card.
In addition, the finger vein information for re-registration is stored in the customer information database in advance, and the matching rate between the finger vein information and the registered finger vein information is less than the matching rate threshold in the customer authentication in the window transaction, and the registration is performed. When the customer is confirmed using the re-registering finger vein information instead of the finger vein information, the re-registering finger vein information is replaced with the registered finger vein information and stored in the IC card.

  As described above, in this embodiment, in the transaction with the automatic transaction apparatus, the matching rate between the registered finger vein information stored in the IC card and the finger vein information acquired from the customer's finger is less than the matching rate threshold. In addition, when the matching rate satisfies the re-registration conditions, the registered finger vein information can be re-registered, and the finger vein information for re-registration acquired at that time is transmitted to the host computer, so that the customer information Since it is stored in the database, it is not necessary for the customer to go to the counter for re-registration of finger vein information, which improves convenience.

Since the finger vein information for re-registration is stored in the customer information database after being verified with the registered finger vein information in the IC card, the finger vein information of another person other than the customer who is the IC card holder is stored in the customer information database. Storage can be suppressed.
Further, since it is not necessary to provide the automatic transaction apparatus with a function for storing finger vein information in the IC card, it is possible to eliminate the cost required for replacing the biometric information acquisition unit of the automatic transaction apparatus.

  Further, the finger vein information for re-registration acquired by the automatic transaction apparatus is stored in the customer information database of the host computer, and the registered finger vein information and the finger vein information acquired from the customer's finger in the transaction at the automatic transaction apparatus When the matching rate is less than the matching rate threshold, the finger vein information for re-registration is acquired from the host computer and checked again with the finger vein information. In addition, it is possible to perform customer authentication using re-registration finger vein information stored in the customer information database.

In addition, the finger vein information for re-registration is already stored in the customer information database, and when the customer makes a transaction at the counter, the finger vein information for re-registration can be transferred to the IC card along with the transaction at the counter. In addition, the customer can save time and effort for re-registering finger vein information.
Although the biometric authentication transaction system of the present invention has been described as including a host computer, the same effect can be obtained not only by the host computer but also by a server as a host device.

  In the present invention, finger vein information has been described as an example. However, the present invention is not limited to this, and fingerprint information or palm vein information as biometric information may be used. It may be set according to the type.

The block diagram which shows the biometrics transaction system of Example 1. Flowchart showing biometric authentication process of biometric authentication transaction system Flowchart showing processing when finger vein information for re-registration is stored in customer information database Flow chart showing transaction processing at the window

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Main control part 3 Communication part 4 Main memory part 5 Display operation part 6 Biometric information acquisition part 7 Cash deposit / withdrawal part 9 Card reader / writer part 10 Passbook entry part 15 Host computer 16 Host control part 17 Host storage part 18 Host communication unit 19 Customer information database 20 Communication line 25 Window terminal 26 Terminal control unit 27 Terminal storage unit 28 Terminal biometric information handling unit 29 Terminal card handling unit 30 Terminal communication unit 31 Terminal input unit 32 Terminal display unit

Claims (7)

An automatic transaction apparatus comprising a biometric information acquisition unit that acquires biometric information from a customer, and a card reader unit that reads information from the customer's transaction card;
A biometric transaction system having a host device,
Biometric information is stored in the transaction card,
The automatic transaction apparatus collates the biometric information acquired from the customer by the biometric information acquisition unit and the biometric information read from the transaction card by the card reader unit, and the verification rate is less than a threshold value for confirming the identity verification. When the biometric information acquisition unit acquires biometric information for re-registration from the customer, the biometric information for re-registration and the biometric information read from the transaction card are collated, and the collation rate is within a certain range. Perform authentication processing to authenticate the customer by confirming that it is included, send the biometric information for re-registration to the host device,
The biometric authentication transaction system characterized in that the host device stores biometric information for re-registration received from the automatic transaction device. The biometric transaction system according to claim 1,
The automatic transaction apparatus, when the collation rate between the biometric information acquired from the customer by the biometric information acquisition unit and the biometric information read from the transaction card by the card reader unit is less than the threshold, Queries whether biometric information for re-registration of the customer is stored,
As a result, when biometric information for re-registration is stored in the host device, the bio-information for re-registration is acquired from the host device, and the bio-information for re-registration and the bio-information acquisition unit Perform verification processing to verify the acquired biometric information,
When biometric information for re-registration is not stored in the host device, the biometric authentication transaction system is characterized in that biometric information for re-registration is acquired from a customer by the biometric information acquisition unit and the authentication process is performed. . In the biometrics transaction system according to claim 1 or 2,
The transaction card stores encryption information for encrypting the biometric information for re-registration and decryption information for decrypting the bio-information for re-registration encrypted by the encryption information,
The automatic transaction apparatus encrypts the biometric information for re-registration with the encrypted information read by the card reader unit, transmits the bio-information for re-registration to the upper apparatus, and the re-registration information encrypted from the upper apparatus. When biometric information is acquired, the acquired biometric information for re-registration is decrypted with the decrypted information read by the card reader unit. In the biometrics transaction system according to claim 1 or claim 3,
Provided with a window terminal for dealing with customers by operating the staff at the window,
The counter terminal collates the biometric information acquired from the customer's transaction card with the biometric information acquired from the customer, and when the collation rate is less than a threshold, the biometric information for re-registration is received from the host device. Obtaining and authenticating the customer by collating the biometric information for re-registration with the biometric information obtained from the customer, and replacing the biometric information already stored in the transaction card with the biometric for re-registration A biometric transaction system characterized by storing information. The biometric transaction system according to claim 4,
When the counter terminal acquires the encrypted biometric information for re-registration, the counter terminal decrypts the biometric information for re-registration based on the decrypted information read from the customer transaction card. Biometric transaction system. An automatic transaction apparatus comprising a biometric information acquisition unit that acquires biometric information from a customer and a card reader unit that reads information from a customer's transaction card,
Biometric information is stored in the transaction card,
When the biometric information acquired from the customer by the biometric information acquisition unit and the biometric information read from the transaction card by the card reader unit are collated and the collation rate is less than the threshold value for confirming the identity verification, Query whether the customer's re-registration biometric information is stored,
As a result, when the biometric information for re-registration is not stored in the host device, the bio-information for re-registration is acquired from the customer by the bio-information acquisition unit, and the bio-information for re-registration and the transaction are acquired. The biometric information read from the card is collated, and an authentication process for authenticating the customer is performed by confirming that the collation rate is included in a certain range, and the biometric information for re-registration is sent to the host device. An automatic transaction apparatus characterized in that the biometric information for re-registration is stored by transmitting. The automatic transaction apparatus according to claim 6,
When biometric information for re-registration is stored in the host device, the bio-information for re-registration is acquired from the host device and the bio-information for re-registration and the bio-information acquired from the bio-information acquisition unit An automatic transaction apparatus characterized by performing collation processing for collating information.

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