JP2009288993A - Financial transaction system and financial transaction method, and biological information registration system, biological information registration method, biological information transmission device and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve the convenience of a user by allowing the user to register biological information in a host device without going to a financial counter. <P>SOLUTION: A biological information transmitter 10 is equipped with a biological information reading part 14 which reads the biological information of the user and a card information reading part 13 for acquiring the recording biological information recorded in an IC card, and the biological information transmitter 10 acquires the recording biological information recorded in the IC card, and performs identity verification by using the acquired recording biological information and the biological information read from the user, then transmits the recorded biological information acquired from the IC card to a host device 20 through a communication line 30. Then, the host device 20 registers the transmitted recorded biological information in a biological authentication information database 241 in a storage part 24. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a financial transaction system and a financial transaction method, a biometric information registration system, a biometric information registration method, a biometric information transmission apparatus, and a program.

Currently, most of the identity verification methods in financial institutions use registered seals. For example, there must be a registered seal at the bank counter when paying cash.
For withdrawals at ATMs (Automated Teller Machine), etc., identity verification is performed using a conventional cash card and a 4-digit password. However, since this is not sufficient for security, recently, biometric information that is difficult to forge is recorded on an IC card (cash card) from the viewpoint of crime prevention, and the biometric information recorded on the IC card and the user are recorded. The identity verification is performed by collating with the biometric information of each person, and cash is paid (for example, refer to Patent Document 1).
JP 2005-202729 A

However, the technique described in Patent Document 1 performs personal identification using biometric information at a terminal, and does not store biometric information in a bank host device. This is because registering biometric information in the bank host device has been considered to have insufficient security due to unauthorized leak of the registered biometric information and the risk of falsification. However, from now on, it is considered that biometric information is stored in the host device in the bank and the database in the subsystem, like the current seal information, by improving the encryption technology and strengthening the security system.
However, at present, when a user (customer) tries to register biometric information in a host device such as a financial institution, he / she goes to the counter and registers biometric information in the IC card again. Information registration procedures must be undertaken.

  The present invention has been made in order to solve the above-described problem, and is capable of transmitting and registering biometric information recorded on an IC card to a host device, and a financial transaction system, a financial transaction method, and biometric information registration. It is an object to provide a system, a biometric information registration method, a biometric information transmission apparatus, and a program.

  In order to solve the above-mentioned problem, the financial transaction system according to claim 1, a biological information transmitting apparatus including a biological information reading unit that reads biological information of a user and an input unit that inputs information from outside, and the biological A host that is connected to an information transmission device via a communication line and performs biometric authentication by checking the user's biometric information transmitted from the biometric information transmission device and the registered biometric information of the user registered in the storage unit in advance The registered biometric information registered in the storage unit in advance, the biometric information transmitting device acquires recorded biometric information recorded on an IC card, The acquired recorded biometric information and the biometric information read from the user by the biometric information reading unit are collated to confirm the identity, and the acquired recorded biometric information is transmitted to the communication line. To the host device, and the host device registers the transmitted recorded biometric information in the storage unit. Read biometric information, and transmit user information indicating the read biometric information of the user and user identification information input to the input unit to the host device, and the host device transmits the transmitted The biometric authentication is performed by comparing the biometric information of the user indicated by the user information with the registered biometric information registered in the storage unit in advance, and the biometric authentication is performed when the biometric authentication is successful. Biometric authentication result information indicating success is transmitted to the biometric information transmission device, and the biometric information transmission device receives biometric authentication result information indicating that the biometric authentication is successful from the host device. In the case it was, was configured to perform a financial transaction.

  According to a fifth aspect of the present invention, there is provided a financial transaction method comprising: a biometric information transmitting device including a biometric information reading unit that reads biometric information of a user and an input unit that inputs information from the outside; and a communication line connected to the biometric information transmitting device. And a host device that performs biometric authentication by collating the biometric information of the user transmitted from the biometric information transmitting device and the registered biometric information of the user registered in a storage unit in advance. In the financial transaction method used in the financial transaction system, the registered biometric information registered in the storage unit in advance acquires the recorded biometric information recorded on the IC card by the biometric information transmitting device, The acquired recorded biometric information and the biometric information read from the user by the biometric information reading unit are collated to confirm the identity, and then the acquired recorded biometric information is transmitted via the communication line. The biometric information is transmitted to the host device, and the host device registers the transmitted recorded biometric information in the storage unit. And transmits user information indicating the read biometric information of the user and user identification information input to the input unit to the host device, and the host device transmits the transmitted user. The biometric authentication is successful when the biometric authentication is successful by comparing the biometric information of the user indicated in the information with the registered biometric information registered in the storage unit in advance. When biometric authentication result information indicating that the biometric authentication has succeeded is transmitted from the host device, the biometric authentication result information is transmitted to the biometric information transmitting device. It was configured to perform a financial transaction.

  By doing so, the financial transaction system and the financial transaction method according to the present invention can be applied to the biometric information read from the user by inputting an account number or simply entering a passbook without an IC card. Biometric authentication can be performed using biometric information registered in the host device, and financial transactions such as cash payment can be performed. That is, it is not necessary to have an IC card for financial transactions, and the convenience for the user can be improved.

  In order to solve the above-described problem, the biometric information registration system according to claim 2 includes a host device including a storage unit in which personal information of a user necessary for a financial transaction is registered, and a communication line connected to the host device. A biometric information registration system comprising: a biometric information transmitting apparatus that is connected via a biometric information transmitting apparatus for verifying identity by comparing biometric information recorded on an IC card and biometric information read from a user. The transmitting device acquires the recorded biometric information recorded on the IC card, performs the identity verification, and transmits the recorded biometric information to the host device via the communication line. Is configured to register the transmitted recorded biometric information in the storage unit.

  The biometric information registration system according to claim 3 is a host device that manages financial transaction processing, and is connected to the host device via a communication line and performs identity verification using recorded biometric information recorded on an IC card. A biometric information registration system comprising a biometric information transmission device, wherein the biometric information transmission device includes an input unit for inputting information from the outside, a display unit for displaying operation guidance, and outputting a processing result. The biometric information reading unit that acquires the biometric information of the user, the biometric information reading unit that reads the biometric information of the user, the biometric information read by the biometric information reading unit, and the recorded biometric information The biometric information collation unit that performs identity verification and the biometric information collation unit transmits the recorded biometric information to the host device via the communication line when the identity verification is performed and the verification is successful. A biometric information transmitting unit, wherein the host device receives the recorded biometric information from the biometric information transmitting device via the communication line, and the biometric information receiving unit receives the biometric information receiving unit. A biometric information registration unit that registers recorded biometric information in the storage unit is provided.

  A biometric information registration method according to claim 6 is connected to a host device including a storage unit in which personal information of a user necessary for a financial transaction is registered, and is connected to the host device via a communication line and recorded on an IC card. A biometric information registration method used in a biometric information registration system comprising a biometric information transmission device that performs identity verification using recorded biometric information, wherein the biometric information transmission device inputs information from the outside. An input unit; a display unit that displays operation guidance and outputs a processing result; obtains the recorded biometric information; reads the biometric information of the user; reads the biometric information of the user; and the recording Biometric information is collated and the identity verification is performed, and when the identity verification is performed and the verification is successful, the recorded biometric information is transmitted to the host device via the communication line, and the host device , From serial biometric information transmitting apparatus, via the communication line, receives the recording biological information, the recording biological information the received and configured to be registered in the storage unit.

  The biometric information transmitting device according to claim 7 is recorded biometric information recorded on an IC card, connected via a communication line to a host device including a storage unit in which personal information of a user necessary for financial transactions is registered. And biometric information read from the user to verify the identity of the biometric information transmitting device, and the recorded biometric information recorded on the IC card is acquired and the identity verification is performed. Information is transmitted to the host device via the communication line.

  According to an eighth aspect of the present invention, there is provided a program via a communication line for a biometric information transmitting apparatus including a biometric information reading unit that reads biometric information of a user and a card information acquisition unit that acquires recorded biometric information recorded on an IC card. A program that is stored in the IC card and has a storage unit that stores personal information necessary for financial transactions and is executed by a computer of a host device that manages financial transaction processing. The card information acquisition unit acquires biometric information, compares the acquired recorded biometric information with the biometric information read from the user by the biometric information reading unit, confirms the identity, and the identity verification is successful and the verification is successful. A program for causing a computer to execute transmission of the acquired recorded biometric information to the host device via the communication line. A process of delivering to the biometric information transmitting device via a line, a process of receiving recorded biometric information acquired from the IC card via the communication line from the biometric information transmitting device, and the received recorded biometric A process of registering information in the storage unit is executed by a computer.

  In this way, the biometric information registration system, biometric information registration method, biometric information registration device, and program according to the present invention allow a user to contact a financial institution or the like when registering biometric information in a host device. It is not necessary to go through the biometric information registration procedure again, and biometric information recorded on the IC card can be registered in the storage unit of a host device such as a financial institution.

The biometric information registration system according to claim 4, wherein the host device transmits registration confirmation information, which is a confirmation message indicating that the biometric information registration unit has registered the recorded biometric information, to the biometric information transmission device. A registration confirmation information transmitting unit that performs the registration confirmation information receiving unit that receives the registration confirmation information transmitted from the host device, and the registration confirmation information receiving unit includes the registration confirmation information. In response to receipt of the information, the display unit displays selection information for requesting the user to select whether or not to delete the recorded biometric information recorded on the IC card, and the user deletes the recorded biometric information. And a biometric information erasure unit that erases the biometric information recorded on the IC card when the is selected.

  According to such a configuration, after the biometric information recorded on the IC card is registered in the host device of the financial institution, the user can select whether or not to erase the biometric information recorded on the IC card. it can. Therefore, the user can delete unnecessary biometric information from the IC card without continuing to record it.

  According to the present invention, when a user who records biometric information on an IC card registers biometric information in a host device such as a financial institution, the biometric information recorded on the IC card is transmitted to the host device and registered. It is possible to provide a financial transaction system and a financial transaction method, a biometric information registration system, a biometric information registration method, a biometric information transmission apparatus, and a program that can be performed.

  Next, the best mode for carrying out the present invention (hereinafter referred to as “embodiment”) will be described in detail with reference to the drawings as appropriate.

(Biological information registration system)
FIG. 1 is a functional block diagram showing a configuration example of a biometric information registration system according to this embodiment.
As shown in FIG. 1, the biometric information registration system 1 according to the present embodiment includes biometric information including card information acquisition means for acquiring biometric information from an IC card and biometric information reading means for reading biometric information of a user. A transmission apparatus 10 and a host apparatus 20 that manages processing related to financial transactions in a financial institution such as a bank are connected via a communication line 30. It is assumed that data transmitted / received via the communication line 30 is secured with high security by encryption.

  1 is one or more devices that are communicably connected to the host device 20. For example, an ATM or a financial institution that includes the configuration of the biological information transmission device 10 therein. And a transaction terminal used at a window of a financial institution.

  The biological information transmitting apparatus 10 uses a control unit 18 composed of a CPU (Central Processing Unit) as a control center, and includes a display unit 11, an input unit 12, a card information acquisition unit 13, a biological information reading unit 14, and communication. Unit 15, temporary storage unit 16, and storage unit 17.

  The display unit 11 includes a liquid crystal display or the like on which operation guidance is displayed and processing results are output. The input unit 12 inputs information from the outside by a user operating a touch panel provided on the liquid crystal display or pressing a keyboard. The input unit 12 accepts insertion of a bankbook or the like, and the control unit 18 obtains user identification information such as an account number.

  When the IC card on which the biometric information is recorded is inserted into the card insertion slot or brought close to a non-contact sensor, the card information acquisition unit 13 controls the control unit 18 (biometric information matching unit 181) to control the IC card. Recorded biometric information (recorded biometric information) is acquired.

  The biological information reading unit 14 reads the user's biological information under the control of the control unit 18 (biological information matching unit 181). Here, the biometric information may be any of fingerprints, palm veins, finger veins, irises, facial images, audio information, and the like as long as it can be collated with the biometric information recorded on the IC card.

  The communication unit 15 transmits biometric information and the like recorded on the IC card to the host device 20 via the communication line 30 under the control of the control unit 18. Further, the communication unit 15 receives registration confirmation information and the like described later transmitted from the host device 20.

  The temporary storage unit 16 includes a storage unit that temporarily stores biometric information and the like processed by the control unit 18, and includes a RAM (Random Access Memory) or the like. The storage unit 17 is an auxiliary storage device that stores a program or the like for controlling the biological information transmission device 10 and includes a hard disk or the like.

  The control unit 18 controls the entire biometric information transmitting apparatus 10 and includes a biometric information matching unit 181, a biometric information transmitting unit 182, a registration confirmation information receiving unit 183, and a biometric information erasing unit 184. . In addition, this control part 18 is implement | achieved when CPU expand | deploys and executes the program stored in the memory | storage part 17 of the biometric information transmitter 10, for example in RAM.

  The biometric information collating unit 181 controls the card information acquiring unit 13 and the biometric information reading unit 14, and the biometric information recorded on the IC card acquired by the card information acquiring unit 13 and the biometric information reading unit 14 read the biometric information. Check the user's biometric information.

  When the biometric information transmitting unit 182 determines that the biometric information matches as a result of the collation in the biometric information collating unit 181, the biometric information transmitting unit 182 transmits the biometric information recorded on the IC card acquired by the card information acquiring unit 13 to the communication unit 15. Via the host device 20.

  The registration confirmation information receiving unit 183 receives registration confirmation information indicating a confirmation message indicating that the biological information recorded on the IC card is registered in the storage unit 24 of the host device 20 from the host device 20 via the communication unit 15. To do.

  When the registration confirmation information receiving unit 183 receives registration confirmation information indicating that the biometric information recorded on the IC card has been registered, the biometric information erasing unit 184 receives the biometric information recorded on the IC card. A screen for determining whether or not to delete is displayed on the display unit 11. Further, when the user selects to delete the biometric information recorded on the IC card, the biometric information in the IC card is deleted.

  Next, the host device 20 is a device that governs overall control in financial transaction processing such as a bank, and includes a communication unit 21, a control unit 22, a temporary storage unit 23, and a storage unit 24.

  The communication unit 21 receives biometric information and the like recorded on the IC card transmitted from the biometric information transmitting apparatus 10 via the communication line 30. Further, the communication unit 21 transmits registration confirmation information and the like to the biological information transmitting apparatus 10 under the control of the control unit 22.

  The control unit 22 controls the entire host device 20 and includes a biometric information receiving unit 221, a biometric information registration unit 222, and a registration confirmation information transmission unit 223. The control unit 22 is realized, for example, when the CPU stores a program stored in the storage unit 24 of the host device 20 on the RAM and executes the program.

  The biometric information receiving unit 221 receives the biometric information recorded on the IC card transmitted from the biometric information transmitting apparatus 10 via the communication line 30 and the communication unit 21.

  The biometric information registration unit 222 stores the biometric information recorded on the IC card received by the biometric information reception unit 221 in the biometric authentication information database 241 in the storage unit 24.

  The registration confirmation information transmission unit 223 generates registration confirmation information, which is a confirmation message of registration, when the biometric information registration unit 222 registers the biometric information recorded on the IC card in the biometric authentication information database 241. Then, the information is transmitted to the biological information transmitting apparatus 10 via the communication unit 21.

  The temporary storage unit 23 includes a storage unit that temporarily stores biometric information and the like processed by the control unit 22, and includes a RAM or the like.

The storage unit 24 is an auxiliary storage device that stores a program or the like for controlling the host device 20 and is configured by a hard disk or the like.
The storage unit 24 also includes a biometric authentication information database 241. The biometric authentication information database 241 stores the biometric information recorded on the IC card in association with identification information (for example, account number, name, etc.) for identifying the individual under the control of the biometric information registration unit 222.

Next, processing of the biometric information registration system according to the present embodiment will be described along FIG. 2 with reference to FIG.
FIG. 2 is a flowchart showing a processing flow of the biometric information registration system according to the present embodiment.

  First, it is determined whether or not the biometric information transfer button displayed on the display unit 11 of the biometric information transmitting apparatus 10 has been pressed by the user (step S201). If the biometric information transfer button is not pressed by the user (step S201 → No), the process waits until it is pressed. On the other hand, if the biometric information transfer button is pressed (step S201 → Yes), a message prompting the user to insert the IC card is displayed on the display unit 11. And the IC card which recorded biometric information by the user is inserted in the card information acquisition part 13 (step S202). Then, the biometric information recorded on the IC card is acquired and stored in the temporary storage unit 16 under the control of the biometric information matching unit 181.

  Next, a message prompting the user to read the biometric information is displayed on the display unit 11 of the biometric information transmitting apparatus 10. Then, the biometric information reading unit 14 reads the biometric information of the user (step S203) and stores it in the temporary storage unit 16.

  Subsequently, the biometric information collating unit 181 collates the biometric information stored in the temporary storage unit 16 and recorded on the IC card with the biometric information read by the user (step S204). Then, the biometric information matching unit 181 determines whether the biometric information recorded on the IC card matches the biometric information read from the user as a result of the matching (step S205).

If the biometric information does not match as a result of collation by the biometric information collating unit 181 (step S205 → No), the IC card is returned to the user and the process is terminated.
On the other hand, if the biometric information matches (step S205 → Yes), the fact that the biometric information matches is displayed on the display unit 11. Further, a message indicating that the biological information recorded on the IC card is transmitted to the host device 20 is displayed on the display unit 11 (step S207), and the biological information recorded on the IC card is transmitted to the host device 20 (step S207). Step S208).

  Next, the host device 20 determines whether or not the biological information recorded on the IC card has been received from the biological information transmitting device 10 (step S209). If the biological information receiving unit 221 of the host device 20 has not received the biological information recorded on the IC card (step S209 → No), it waits until the biological information is received. On the other hand, if the biometric information receiving unit 221 receives biometric information (step S209 → Yes), the process proceeds to step S210.

  In step S210, the biometric information registration unit 222 stores the biometric information recorded in the IC card received by the biometric information reception unit 221 in the biometric authentication information database 241 in the storage unit 24 together with the identification information of the user of the IC card. Register (step S210).

  Subsequently, the registration confirmation information transmitting unit 223 receives registration confirmation information, which is a confirmation message indicating that the biometric information has been registered, when the biometric information recorded on the IC card is registered in the biometric authentication information database 241. It produces | generates and transmits to the biological information transmitter 10 via the communication part 21 (step S211).

  Next, the biological information transmitting apparatus 10 determines whether the registration confirmation information receiving unit 183 has received registration confirmation information from the host apparatus 20 (step S212). Here, when the registration confirmation information receiving unit 183 has not received the registration confirmation information (step S212 → No), it waits until it is received. On the other hand, if the registration confirmation information receiving unit 183 has received registration confirmation information (step S212 → Yes), the process proceeds to the next step S213.

  In step S213, the biometric information erasure unit 184 displays on the display unit 11 that the biometric information recorded on the IC card has been registered in the host device, and the user displays the biometric information recorded on the IC card. A screen for determining whether to delete is displayed (step S213).

  FIG. 3 is an example of a screen that allows the biometric information erasing unit 184 to determine whether or not to erase the biometric information of the IC card displayed on the display unit 11. As shown in FIG. 3, when the user selects to delete the biometric information in step S213 (step S213 → Yes), the biometric information recorded on the IC card is erased by the biometric information erasure unit 184. (Step S214), for example, “The biometric information in the IC card has been deleted.” Is displayed to indicate that registration has been completed (Step S215). On the other hand, if the user does not select the deletion of the biometric information (step S213 → No), for example, “the biometric information in the IC card is recorded as it is without deleting the biometric information in the IC card. "Is displayed, indicating that the biometric information registration process has been completed (step S215).

  Thus, according to the biometric information registration system, the biometric information registration method, and the biometric information registration apparatus according to the present embodiment, when the user registers the biometric information in a host device such as a financial institution, It is possible to save the trouble of going out and registering biometric information again, thereby improving user convenience. Note that a screen for determining whether or not to delete the biometric information recorded on the IC card after receiving registration confirmation information from the host device 20 in step S213 is displayed. When the biometric information recorded on the IC card is transmitted to the host device 20, a screen may be displayed that allows the customer to select whether or not the biometric information recorded on the IC card is to be deleted. In this case, if the customer selects to delete, after registering the biometric information in the host device 20, the biometric information erasing unit 184 transmits an erasure notification for erasing the biometric information, and the biometric information erasing unit 184 receives the erasure notification. The biometric information recorded on the IC card is erased.

  Next, a modification of the biometric information registration system according to this embodiment will be described. FIG. 4 is a functional block diagram for explaining a modification of the biometric information registration system according to the present embodiment. A difference from the embodiment of FIG. 1 is that a program distribution unit 224 is provided in the control unit 22 of the host device 20. Functions other than the program distribution unit 224 shown in FIG. 4 are the same as those in FIG.

  The program distribution unit 224 distributes a program for executing a function included in the control unit 18 of the biological information transmitting apparatus 10 to the biological information transmitting apparatus 10. Specifically, the program distribution unit 224 distributes a program that causes the biometric information matching unit 181, the biometric information transmitting unit 182, the registration confirmation information receiving unit 183, and the biometric information erasing unit 184 to be performed to the biometric information transmitting apparatus 10. Then, the program stored in the storage unit 17 is updated.

  By doing so, in the apparatus including the card information acquisition unit 13 and the biometric information reading unit 14, the host device 20 controls the biometric information matching unit 181, the biometric information transmission unit 182, and the registration confirmation information under the control of the program distribution unit 224. A program for executing the receiving unit 183 and the biometric information erasing unit 184 is distributed. And the function of the biometric information transmitter 10 which concerns on this embodiment can be performed by the transaction terminal etc. which are used in ATM, a reception terminal, and a window.

(Financial transaction system)
Next, the financial transaction system according to the present embodiment will be described in detail with reference to the drawings.
FIG. 5 is a functional block diagram showing a configuration example of the financial transaction system according to the present embodiment. The configuration of the financial transaction system shown in FIG. 5 includes all the configurations of the biometric information registration system shown in FIG. Therefore, the same reference numerals are given to configurations having the same functions, and descriptions thereof are omitted.

  In addition to the configuration shown in the biometric information transmission device 10 of FIG. 1, the biometric information transmission device 10a includes a user information transmission unit 185, a biometric authentication result information reception unit 186, and a financial transaction processing unit in the control unit 18. 187.

  The user information transmitting unit 185 transmits user information indicating the user's biometric information read by the biometric information reading unit 14 and the user identification information such as an account number via the communication line 30 to the host device 20a. Send to. Note that the account number input by the user to the input unit 12 may be input by a touch panel or a keyboard, or may be read from a passbook inserted in the input unit 12.

  The biometric authentication result information receiving unit 186 is registered in the biometric information database 241 in the biometric information of the user indicated in the user information transmitted by the user information transmitting unit 185 and in the storage unit 24 of the host device 20a. Biometric authentication result information, which is information indicating the result of collation with biometric information, is received.

  The financial transaction processing unit 187 has a function of causing a user to execute a financial transaction process when the biometric authentication result information received by the biometric authentication result information receiving unit 186 indicates that the biometric authentication is successful.

  Next, in addition to the configuration shown in the host device 20 of FIG. 1, the host device 20 a includes a user information reception unit 225, a biometric authentication unit 226, and a biometric authentication result information transmission unit 227 in the control unit 22. It is comprised including.

  The user information receiving unit 225 receives the user information transmitted from the user information transmitting unit 185 of the biological information transmitting apparatus 10a via the communication unit 21.

  The biometric authentication unit 226 is registered with the biometric information of the user indicated in the user information received by the user information receiving unit 225 and the biometric authentication information database 241 in the storage unit 24 by the process of the biometric information registration unit 222 in advance. The biometric authentication is performed by collating the biometric information (biological information recorded on the IC card).

  When the biometric authentication is successful as a result of the biometric authentication performed by the biometric authentication unit 226, the biometric authentication result information transmission unit 227 generates biometric authentication result information indicating that the biometric authentication is successful. In addition, when the biometric authentication unit 226 fails in biometric authentication, biometric authentication result information indicating that biometric authentication has failed is generated. Then, the biometric authentication result information transmission unit 227 transmits the generated biometric authentication result information to the biometric information transmission device 10a via the communication unit 21.

Next, the flow of processing of the financial transaction system according to the present embodiment will be described along FIG. 6 with reference to FIG.
FIG. 6 is a flowchart showing a processing flow of the financial transaction system according to the present embodiment.

  First, one of the financial transaction processes displayed on the display unit 11 under the control of the financial transaction processing unit 187 is selected by the user (step S601). For example, “withdrawal transaction” is selected by the user. Next, the financial transaction processing unit 187 displays a message prompting the user to input the account number of the user on the display unit 11, and the account number is input to the input unit 12 by the user (step S602).

  Subsequently, the financial transaction processing unit 187 displays a message that prompts the user to read the biometric information of the user on the display unit 11, and the biometric information of the user is read by the biometric information reading unit 14 (step S603).

  Then, under the control of the user information transmission unit 185, user information indicating the read biometric information of the user and identification information such as an account number input by the user is transmitted to the host device 20a (step S604).

  Next, the host device 20a determines whether user information has been received from the biological information transmitting device 10a (step S605). If the user information receiving unit 225 of the host device 20a has not received the user information (step S605 → No), it waits until the user information is received. On the other hand, if the user information receiving unit 225 receives user information (step S605 → Yes), the process proceeds to step S606.

  In step S <b> 606, the biometric authentication unit 226 adds the user biometric information included in the received user information and the biometric authentication database 241 based on identification information such as the user account number included in the user information. The registered biometric information (registered biometric information) is collated (step S606).

  Subsequently, the biometric authentication result information transmission unit 227 generates biometric authentication result information indicating the biometric authentication result of the biometric authentication unit 226, and transmits the biometric authentication result information to the biometric information transmission device 10a (step S607).

  Next, the biometric authentication result information receiving unit 186 of the biometric information transmitting device 10a determines whether or not biometric authentication result information has been received from the host device 20a (step S608). If biometric authentication result information has not been received (step S608 → No), the process waits until biometric authentication result information is received. On the other hand, when biometric authentication result information is received (step S608 → Yes), the process proceeds to step S609.

Then, the biometric authentication result information receiving unit 186 determines whether or not the received biometric authentication result information is biometric authentication result information indicating that biometric authentication has been successful by the biometric authentication unit 226 of the host device 20a (step S609).
Here, if the biometric authentication result information is not information indicating that biometric authentication is successful (step S609 → No), that is, if biometric authentication fails, the biometric authentication result information receiving unit 186 displays that fact. This is displayed on the unit 11 (step S610), and the process ends. On the other hand, if the biometric authentication result information is information indicating that biometric authentication has been successful (step S609 → Yes), the biometric authentication result information receiving unit 186 displays on the display unit 11 that biometric authentication has been successful (step S609). S611). Then, the financial transaction processing unit 187 executes financial transaction processing such as “withdrawal transaction” (step S612).

  By doing so, the financial transaction system and the financial transaction method according to the present embodiment have no IC card by registering biometric information recorded on the IC card in the storage unit of the host device in advance. However, it is possible to perform financial transaction processing such as cash payment only by inputting an account number or a bankbook. Furthermore, it is possible to use biometric information registered in the host device not only for financial transaction processing such as withdrawals and deposits, but also for identity verification in investment operations at the counter, improving user convenience. be able to.

It is a functional block diagram which shows the structural example of the biometric information registration system which concerns on this embodiment. It is a flowchart which shows operation | movement of the biometric information registration system which concerns on this embodiment. It is a figure explaining the judgment information displayed on a display part by control of the biometric information deletion part which concerns on this embodiment. It is a functional block diagram which shows the structure of the modification of the biometric information registration system which concerns on this embodiment. It is a functional block diagram which shows the structural example of the financial transaction system which concerns on this embodiment. It is a flowchart which shows operation | movement of the financial transaction system which concerns on this embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Biometric information registration system 2 Financial transaction system 10, 10a Biometric information transmitter 11 Display part 12 Input part 13 Card information acquisition part 14 Biometric information reading part 15,21 Communication part 16,23 Temporary storage part 17,24 Storage part 18, 22 control unit 20, 20a host device 30 communication line 181 biometric information matching unit 182 biometric information transmitting unit 183 registration confirmation information receiving unit 184 biometric information erasing unit 185 user information transmitting unit 186 biometric authentication result information receiving unit 187 financial transaction processing unit 221 Biometric information reception unit 222 Biometric information registration unit 223 Registration confirmation information transmission unit 224 Program distribution unit 225 User information reception unit 226 Biometric authentication unit 227 Biometric authentication result information transmission unit 241 Biometric authentication information database

Claims (8)

A biometric information transmitting device including a biometric information reading unit that reads biometric information of a user and an input unit that inputs information from the outside; and connected to the biometric information transmitting device via a communication line; And a host device that performs biometric authentication by collating the transmitted biometric information of the user and the registered biometric information of the user registered in advance in a storage unit,
The registered biometric information registered in the storage unit in advance is
The biometric information transmitting apparatus acquires recorded biometric information recorded on an IC (Integrated Circuit) card, and collates the acquired recorded biometric information with biometric information read by a user by the biometric information reading unit. After confirmation, the acquired recorded biometric information is transmitted to the host device via the communication line, and the host device registers the transmitted recorded biometric information in the storage unit. ,
The biological information transmitting device is:
Read the user's biometric information by the biometric information reader,
Transmitting user information indicating the read biometric information of the user and user identification information input to the input unit to the host device;
The host device is
The biometric authentication is performed by collating the biometric information of the user indicated in the transmitted user information with the registered biometric information registered in the storage unit in advance,
When the biometric authentication is successful, biometric authentication result information indicating that the biometric authentication is successful is transmitted to the biometric information transmitting device,
The biological information transmitting device is:
A financial transaction system for performing a financial transaction when biometric authentication result information indicating that the biometric authentication is successful is received from the host device. A host device provided with a storage unit in which personal information of a user necessary for financial transactions is registered, biometric information recorded on an IC card and connected to the host device via a communication line, and biometric information read from the user A biometric information registration system comprising: a biometric information transmission device that performs identity verification by comparing
The biometric information transmitting device acquires recorded biometric information recorded on the IC card, and after confirming the identity, transmits the recorded biometric information to the host device via the communication line,
The host apparatus registers the transmitted recorded biometric information in the storage unit. A biometric information registration comprising: a host device that manages financial transaction processing; and a biometric information transmission device that is connected to the host device via a communication line and that performs identity verification using recorded biometric information recorded on an IC card A system,
The biological information transmitting device is:
An input unit for inputting information from the outside;
A display unit for displaying operation guidance and outputting processing results;
A card information acquisition unit for acquiring the recorded biometric information;
A biometric information reader for reading the biometric information of the user;
A biometric information collation unit that collates biometric information read by the biometric information reading unit with the recorded biometric information and performs the identity verification;
A biometric information transmitting unit that transmits the recorded biometric information to the host device via the communication line when the biometric information collating unit confirms the identity and succeeds in collation;
The host device is
A biometric information receiving unit that receives the recorded biometric information from the biometric information transmitting device via the communication line;
A biometric information registration unit that registers the recorded biometric information received by the biometric information reception unit in a storage unit;
A biometric information registration system comprising: The host device is
A registration confirmation information transmitting unit that transmits registration confirmation information, which is a confirmation message that the biometric information registration unit has registered the recorded biometric information, to the biometric information transmitting device;
The biological information transmitting device is:
A registration confirmation information receiving unit for receiving the registration confirmation information transmitted from the host device;
When the registration confirmation information receiving unit receives the registration confirmation information, selection information for requesting the user to select whether or not to delete the recorded biometric information recorded on the IC card is displayed on the display unit. A biometric information erasure unit for erasing the recorded biometric information recorded on the IC card when the user selects erasure of the recorded biometric information;
The biometric information registration system according to claim 3, further comprising: A biometric information transmitting device including a biometric information reading unit that reads biometric information of a user and an input unit that inputs information from the outside; and connected to the biometric information transmitting device via a communication line; A financial transaction method used for a financial transaction system comprising: a host device that performs biometric authentication by comparing the transmitted biometric information of the user and the registered biometric information of the user registered in a storage unit in advance Because
The registered biometric information registered in the storage unit in advance is
The biometric information transmitting device acquires recorded biometric information recorded on an IC card, and compares the acquired recorded biometric information with biometric information read from a user by the biometric information reading unit to confirm the identity. Above, the acquired recorded biometric information is transmitted to the host device via the communication line, and the host device registers the transmitted recorded biometric information in the storage unit,
The biological information transmitting device is:
Read the user's biometric information by the biometric information reader,
Transmitting user information indicating the read biometric information of the user and user identification information input to the input unit to the host device;
The host device is
The biometric authentication is performed by collating the biometric information of the user indicated in the transmitted user information with the registered biometric information registered in the storage unit in advance,
When the biometric authentication is successful, biometric authentication result information indicating that the biometric authentication is successful is transmitted to the biometric information transmitting device,
The biological information transmitting device is:
A financial transaction method characterized in that a financial transaction is performed when biometric authentication result information indicating that the biometric authentication is successful is received from the host device. A host device having a storage unit in which personal information of a user required for financial transactions is registered, and connected to the host device via a communication line, and identity verification is performed using recorded biometric information recorded on an IC card. A biological information registration method used in a biological information registration system comprising a biological information transmission device,
The biological information transmitting device is:
An input unit for inputting information from the outside, and a display unit for displaying operation guidance and outputting processing results,
Obtaining the recorded biometric information;
Read the user's biometric information,
The biometric information of the read user and the recorded biometric information are collated to perform the identity verification,
When the identity verification is performed and verification is successful, the recorded biometric information is transmitted to the host device via the communication line,
The host device is
Receiving the recorded biometric information from the biometric information transmitting device via the communication line;
Registering the received recorded biometric information in a storage unit;
A biometric information registration method characterized by the above. Connected via a communication line to a host device equipped with a storage unit in which personal information of users required for financial transactions is registered, and collates recorded biometric information recorded on an IC card with biometric information read by the user A biometric information transmitting apparatus for performing identity verification,
The biometric information transmission characterized in that the biometric information recorded on the IC card is acquired, the identity is confirmed, and the biometric information is transmitted to the host device via the communication line. apparatus. Connected via a communication line to a biometric information transmitting device including a biometric information reading unit that reads biometric information of a user and a card information acquisition unit that acquires recorded biometric information recorded on an IC card, and is necessary for financial transactions A program that includes a storage unit in which personal information of the user is registered, and that is executed by a computer of a host device that manages financial transaction processing,
The card information acquisition unit acquires recorded biometric information recorded on the IC card,
The acquired recorded biometric information and the biometric information read from the user by the biometric information reading unit are collated to confirm the identity,
Transmitting the acquired recorded biometric information to the host device via the communication line when the identity verification is performed and the verification is successful;
Processing for causing a computer to execute a program to the biological information transmitting device via the communication line;
Processing for receiving recorded biometric information acquired from the IC card from the biometric information transmitting device via the communication line;
A process of registering the received recorded biometric information in the storage unit;
A program that causes a computer to execute.

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