JP3043061U - Transaction medium and transaction apparatus using the transaction medium - Google Patents

Abstract

(57) [Summary] [Problem] To provide a transaction device that can surely confirm in advance the true owner and user of a card-shaped transaction medium before executing transaction processing to prevent unauthorized use. SOLUTION: The present invention is a transaction device 1 for carrying out transaction processing by loading a card 10 into an apparatus main body 2, wherein the card 10 has fingerprint information in which the fingerprint information of the true owner of the card is attached. The device main body 2 has a column 21, and the device main body 2 is provided with a fingerprint pressing portion 8a on which the user of the card 10 performs a trading operation and presses a fingerprint, and the use of the card 10 pressed against the fingerprint pressing portion 8a. Operation display section 8 for obtaining fingerprint information of a person and a card 10 taken into the apparatus main body 2
A fingerprint information reading unit 15 for reading fingerprint information in a fingerprint information field 21 of the user, a transaction information processing unit for processing transaction information recorded on a transaction medium of each card 10, and the fingerprint pressing unit 8a
By comparing the fingerprint information of the user of the card 10 pressed against the fingerprint information with the fingerprint information read by the fingerprint information reading unit 15, the authenticity of the owner and the user of the card 10 is determined, and based on the determination result, And a true / false determination unit 16 that determines whether the transaction processing is appropriate.

Description

[Detailed description of the invention] [Technical field to which the invention belongs]

 The present invention relates to a transaction medium and a transaction device that uses the transaction medium, and more particularly to a transaction medium that can prevent illegal transaction processing and a transaction device that uses the transaction medium.

[Prior art]

 Conventionally, for example, in a transaction device of a type such as a cash dispenser (CD) of a financial institution or an automatic teller machine (ATM), a card-shaped transaction medium is used as a medium and a customer (card-shaped transaction medium Perform transaction processing such as payment of banknotes with the owner). In this case, conventionally, transaction information such as a personal identification number, a financial institution name, a deposit account type, a deposit account number, etc. is recorded in a card-shaped transaction medium, and the card-shaped transaction medium is imported by a transaction device. At the same time, the transaction information is read, and a personal identification number is entered to confirm the owner of the card-shaped transaction medium so that the authenticity of the owner can be judged and determined.

[Problems to be solved by the device]

 However, in the case of a transaction device that uses the conventional transaction medium as described above, for example, it is not possible to distinguish between the true owner of the transaction medium and the person who actually inserted and used the transaction medium in the transaction device. It is impossible, for example, if the thief of the card-type transaction medium obtains the PIN in some way and uses the transaction medium, payment of banknotes etc. to the person who is not the true owner of the transaction medium is possible. There is a problem that the situation of illegal use that is executed easily occurs. Therefore, the present invention provides a transaction medium that can reliably confirm the true owner of the card-type transaction medium before executing the transaction processing, and can prevent or prevent troubles caused by unauthorized use of the transaction medium in advance. An object of the present invention is to provide a transaction device that uses the transaction medium.

[Means for Solving the Problems]

 The transaction medium of the invention according to claim 1 is a transaction medium in which transaction information is recorded on a card-shaped main body, and transactions are carried out by using this transaction information as a medium, wherein the card-shaped main body has a fingerprint of an owner of the main body. It is characterized in that a fingerprint information section with information is provided. The transaction device of the invention according to claim 2 is a transaction device which takes in a transaction medium into a device body and performs transaction processing according to the transaction medium, wherein the transaction medium records transaction information on a card-shaped body. In addition, it has a fingerprint information column to which the fingerprint information of the owner of the card-shaped main body is attached, and the device main body makes the transaction operation by the user of the transaction medium and at the same time displays the fingerprint of the user of the transaction medium. It is equipped with a fingerprint pressing unit to be pressed against, and the operating means for obtaining the fingerprint information of the user of the transaction medium pressed against this fingerprint pressing unit and the fingerprint information in the fingerprint information column of the transaction medium taken into the device main body. Fingerprint information reading unit to read, transaction information processing unit that processes transaction information recorded in each individual transaction medium, fingerprint information of the user of the transaction medium pressed against the fingerprint pressing unit, and fingerprint information reading By department It is characterized by having an authenticity discrimination unit that discriminates the authenticity of the owner and the user by comparing the read fingerprint information and determines the suitability of subsequent transaction processing based on the discrimination result. is there. The transaction device of the invention according to claim 3 is a transaction device which takes in a card, which is a transaction medium, into a main body of the device and performs a transaction process according to the transaction medium of the card, wherein the card which is the transaction medium is The main unit is equipped with a magnetic recording unit that records transaction information such as the financial institution name and deposit account number for each owner, and also has a fingerprint information column with the fingerprint information of the true owner of this card. The main body of the device is equipped with a fingerprint pressing part for the user of the card, which is a transaction medium, to carry out the transaction operation and to press the fingerprint of the card user himself, and the card to be pressed against the fingerprint pressing part. Of the user's fingerprint information, the fingerprint information reading unit that reads the fingerprint information in the fingerprint information column of the card that is loaded into the device, and the reading of the transaction information recorded on the transaction medium of each card. A card reader unit as a transaction information processing unit that performs processing for writing and writing, collates the fingerprint information of the user of the card pressed against the fingerprint pressing unit with the fingerprint information read by the fingerprint information reading unit, It is characterized by having a genuine / counterfeit discriminating section for discriminating the authenticity of the owner and the user of the card and determining the suitability of subsequent transaction processing based on the discrimination result. Since the transaction medium of the present invention is provided with a fingerprint information column on the main body to which the fingerprint information of the owner of the main body is attached, this transaction medium is used for the transaction device having the configuration according to claim 2 or 3 described above. In this case, the fingerprint information reading unit of the device body reads the fingerprint information in the fingerprint information section of the transaction medium, and the fingerprint information of the actual user of the card-shaped transaction medium pressed against the fingerprint pressing unit by the operating means is obtained. Then, the authenticity determination unit collates the fingerprint information read from the transaction medium with the fingerprint information of the actual user pressed against the fingerprint pressing unit, and the owner of the card-shaped transaction medium and the user Authenticity is determined, and the suitability of subsequent transaction processing is determined based on the result of authenticity determination. As a result, it is possible to confirm the true owner of the card-shaped transaction medium before executing the transaction processing, and to reliably avoid problems such as trouble caused by illegal use of the transaction medium in advance, as in the conventional method. Can be prevented.

[Embodiment of the invention]

 Embodiments of a transaction medium according to the present invention and a transaction device using the transaction medium will be described below. A transaction device 1 according to the embodiment of the present invention shown in FIG. 1 includes a box-shaped device body 2, for example. The apparatus main body 2 is provided with a card slot 3 into which a card (magnetic card) 10, which is a transaction medium described later in detail, is inserted, a receipt slot 4, and a passbook slot 5 into which a passbook is inserted. Further, in the middle of the front face 6 of the main body 2 of the transaction device 1, an openable / closable deposit / withdrawal port 7 for inserting bills, coins, etc., and a touch panel for displaying various transaction information and inputting transaction information, etc. An operation display section 8 is provided as an operation means using a CRT display provided with. As shown in FIG. 3, the operation display unit 8 is provided in, for example, a corner of the operation display unit 8, and fingerprint information is obtained from the fingerprint of the actual user of the card 10 pressed against this portion. The fingerprint pressing unit 8a using the acquired OCR or the like is provided. Next, a control system of the transaction device 1 using the transaction medium of the card 10 will be described with reference to FIG. The transaction apparatus 1 controls the control unit 11 to perform overall control, and controls the control unit 11 to read and write the operation display unit 8 and the card 10 from the card slot 3. A card reader unit 12, a bill coin unit 13 for processing bills and the like from the deposit / withdrawal port 7, and a host computer functioning as a fingerprint database in which fingerprint information of a large number of card-shaped transaction medium owners is registered in advance. 20, a transmission control unit 14 for transmitting and receiving various information, a fingerprint information reading unit 15 included in the card reader unit 12 for reading fingerprint information from the fingerprint information column 21 of the card 10 shown in FIG. The fingerprint information read from 10 is collated with the fingerprint information of the actual user of the card 10 that is pressed against the fingerprint pressing section 8a of the operation display section 8 of the card 10. Owner, and connects the authenticity discrimination unit 16 which determines the transactions processing after the result of to authenticity discrimination discriminating the authenticity of a user to "relevant" or "No". FIG. 4 shows a card 10 inserted individually by a user into the transaction apparatus 1 according to the embodiment of the present invention. The card 10 has a thin rectangular parallelepiped main body 10a, and one surface of the main body 10a is a magnetic recording for recording transaction information such as a financial institution name, a deposit account type, a deposit account number, etc. regarding each owner. In addition to providing the section 10b, a fingerprint information column 21 with fingerprint information of the true owner of the card 10 is provided. Next, a transaction process performed by inserting the card 10 into the transaction device 1 will be described. When the card 10 is used in the transaction device 1 having the above-described configuration, the fingerprint information reading unit 15 in the device body 2 reads the fingerprint information in the fingerprint information column 21 of the card 10. Further, the fingerprint information of the actual user of the card 10 pressed against the fingerprint pressing unit 8a of the operation display unit 8 is acquired and sent to the control means 11. The authenticity determination unit 16 collates the fingerprint information read from the card 10 with the fingerprint information of the actual user acquired by the fingerprint pressing unit 8a of the operation display unit 8, and the owner of the card 10 Determine the authenticity of the user and determine “appropriate” or “no” for the subsequent transaction processing based on the result of the authenticity discrimination Only when the authenticity discrimination unit 16 determines the subsequent transaction processing as “appropriate” The control means 11 operates the banknote coin unit 13 in accordance with the operation of the operation display section 8 by the user of the card 10 to execute the banknote payment processing and the like. On the other hand, when the authenticity determination unit 16 determines that the subsequent transaction processing is “NO”, the control means 11 stops the subsequent transaction processing and issues a warning such as a buzzer sound if necessary, and the concerned The fact that the card 10 is being used illegally is given an alarm or notification to a staff member or the like at the place where the transaction device 1 is installed. As a result, it is possible to confirm the true owner and user of the card 10 before executing the transaction processing, and it is possible to reliably avoid or prevent troubles due to unauthorized use of the card 10 in advance. In the above-described embodiment, the fingerprint information of a large number of transaction medium owners is registered in advance in the host computer 20, and the fingerprint information is used instead of creating a passbook or a card using a seal stamp that has been conventionally executed. It is also possible to create passbooks and cards using. Further, in the above-described embodiment, the fingerprint pressing unit 8a is provided in the operation display unit 8. However, in addition to this, a dedicated fingerprint reading device for pressing the fingerprint of the user of the card 10 to read it. Alternatively, it may be configured separately from the apparatus main body 2 and installed near the operation display unit 8. The present invention is not limited to the above-described embodiments, and various modifications can be made within the scope of the invention.

[Effect of the invention]

 According to the present invention described in detail above, it is possible to execute the transaction processing after confirming the true owner and user of the card-shaped transaction medium, and troubles caused by illegal use of the transaction medium, etc. It is possible to provide a transaction medium capable of avoiding or preventing the transaction in advance and a transaction device using the transaction medium.

[Brief description of the drawings]

FIG. 1 is a perspective view of a transaction device according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a control system of the transaction apparatus according to the embodiment of the present invention.

FIG. 3 is an enlarged view of an operation display unit according to the embodiment of the present invention.

FIG. 4 is a perspective view showing a card according to an embodiment of the present invention.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 transaction device 2 device main body 3 card port 4 receipt port 5 passbook port 6 front face of device main body 7 deposit / withdrawal port 8 operation display section 8a fingerprint pressing section 10 card 10a main body of card 10b magnetic recording section of card 10 11 control Means 12 Card reader unit 13 Bill / coin unit 14 Transmission control unit 15 Fingerprint information reading unit 16 Authenticity discrimination unit 20 Host computer 21 Fingerprint information field of card 10

Claims (3)

[Utility model registration claims] 1. A transaction medium in which transaction information is recorded on a card-shaped main body and a transaction is conducted using the transaction information as a medium, wherein a fingerprint information field in which fingerprint information of an owner of the main body is added to the card-shaped main body. Transaction medium characterized by having provided. 2. A transaction device for taking a transaction medium into an apparatus main body and performing transaction processing according to the transaction medium, wherein the transaction medium records transaction information on a card-shaped main body and includes the card-shaped The apparatus main body includes a fingerprint information field to which fingerprint information of an owner of the main body is attached, and the apparatus main body includes a fingerprint pressing unit that performs a transaction operation by a user of the transaction medium and presses a fingerprint of the user of the transaction medium. Operating means for obtaining fingerprint information of the user of the transaction medium pressed against the fingerprint pressing section, a fingerprint information reading section for reading fingerprint information in a fingerprint information column of the transaction medium taken into the apparatus main body, A transaction information processing unit that processes the transaction information recorded on the transaction medium, and compares the fingerprint information of the user of the transaction medium pressed against the fingerprint pressing unit with the fingerprint information read by the fingerprint information reading unit. , The owner, transaction apparatus characterized by having a authenticity discrimination unit for determining the appropriateness of subsequent transactions processed by and the determination result by determining the authenticity of the user. 3. A transaction apparatus 1 for taking a card 10 as a transaction medium into an apparatus main body 2 and performing transaction processing according to the transaction medium of the card 10. The card 10 as the transaction medium has a main body 10a. To
A magnetic recording unit 10b for recording transaction information such as the name of a financial institution and a bank account number for each owner is provided, and a fingerprint information column 21 to which fingerprint information of the true owner of the card 10 is attached is provided. The apparatus main body 2 includes a fingerprint pressing unit 8a in which a user of the card 10, which is a transaction medium, performs a transaction operation and presses the user's own fingerprint of the card 10 with the fingerprint pressing unit 8a. An operation display unit 8 for obtaining fingerprint information of a user of the card 10, a fingerprint information reading unit 15 for reading fingerprint information in a fingerprint information column 21 of the card 10 taken into the apparatus main body 2, and a transaction medium for each card 10. Use of a card reader unit 12 as a transaction information processing unit for performing a reading process and a writing process of the transaction information recorded in the card, and a card 10 pressed against the fingerprint pressing unit 8a The fingerprint information of the user and the fingerprint information read by the fingerprint information reading unit 15 are collated to determine the authenticity of the owner and user of the card 10, and the appropriateness of the subsequent transaction processing is determined based on the result of the determination. A transaction device comprising: a true / false determination unit 16.