JP7171388B2 - Transaction terminal device and transaction control method for transaction terminal device - Google Patents

Description

The present invention relates to a transaction terminal device and a transaction control method for the transaction terminal device.

Conventionally, when conducting financial transactions (hereinafter sometimes simply referred to as "transactions") using a transaction terminal device (for example, an automatic teller machine) of a financial institution, the account information of the user is Information is obtained by reading a stored cash card or passbook with a reading unit provided in a terminal.
In addition, when a transaction is carried out using a transaction terminal device, it takes time to complete the transaction because it is necessary to go through the procedures one by one, such as selecting the content of the transaction, entering the amount, and entering the PIN. As a result, a queue of users was formed in front of the transaction terminal.

In order to solve such problems, a technique disclosed in Japanese Patent Application Laid-Open No. 2004-164352 (Patent Document 1) is known. In the technique of Patent Document 1, the details of automatic teller machine operations such as deposits, transfers, and transfers are input in advance to a mobile terminal, and these pre-input operation details are displayed as a two-dimensional code in front of the transaction terminal device. Then, the transaction terminal device reads the two-dimensional code to carry out the transaction. This reduces the burden associated with inputting transactions.

JP 2004-164352 A

In the technique of Patent Document 1, since the input of the transaction information on the transaction terminal device (automatic teller machine) is input to the mobile terminal in advance, the user's convenience is improved and the usage time of the automatic teller machine is reduced. can be shortened. However, if the mobile terminal is operated by a third party, or if the third party obtains the two-dimensional code or PIN, there is a risk of unauthorized use by the third party.

In order to prevent unauthorized use by a third party, the biometric information of the user who is the customer is registered on the server (host computer) of the financial institution when opening an account, etc. The biometric information was read using the biometric information reader of the device, sent to the server, and the biometric information read on the server side was compared with the biometric information registered in the server. In that case, the information is transmitted to the transaction terminal device, and the transaction terminal device conducts the transaction.

However, in this case, there is a problem that the processing of matching the biometric information by the server increases every time the user makes a transaction, and the amount of communication between the server and the transaction terminal device also increases. Also, risk management to prevent a large amount of biometric information from leaking from the server is a heavy burden.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a transaction terminal device and a transaction control device capable of shortening the time required for a transaction of a transaction terminal device and preventing unauthorized use by a third party even if there is no server support. to provide a method.

As an example, the present invention includes a display input unit for displaying and inputting information related to transactions , a two-dimensional code reading unit for reading two-dimensional codes including account information, transaction information and biometric information, and the biometric data of a customer. a biometric information reading unit that reads information; a control unit that displays information on the display input unit, takes in information obtained from the display input unit, the two-dimensional code reading unit, and the biometric information reading unit, and executes a predetermined transaction; wherein the control unit activates the two-dimensional code reading unit by detecting a customer, acquires the two-dimensional code read by the two-dimensional code reading unit, The personal identification number corresponding to the account information included in the two-dimensional code is checked against the personal identification number. Transaction information is displayed on the display input unit, and when the biometric information is obtained from the biometric information reading unit after the display, the biometric information included in the two-dimensional code and the biometric information obtained from the biometric information reading unit If the degree of matching exceeds the threshold, it is determined that the person has been authenticated using the biometric information, and if the degree of matching does not exceed the threshold, the person is authenticated using the biometric information. biometric information authentication processing is executed to determine that the biometric information authentication processing has failed, and if the personal authentication cannot be performed by the first biometric information authentication processing, guidance display is performed on the display input unit to request the provision of the biometric information again. , when the biometric information reading unit reads the biometric information after the guide display, the biometric information authentication processing is executed again, and when the person can be authenticated by the authentication processing based on the biometric information, it is included in the two-dimensional code If the transaction based on the transaction information is executed using the account information and the transaction information, and if the person cannot be authenticated even after the biometric information authentication process is repeated, the biometric information is displayed on the display input unit. Displaying the content of the limited transaction in the case where authentication cannot be confirmed and the transaction based on the account information is not biometrically authenticated in advance, and displaying the content of the limited transaction from the display input unit within a certain period of time after displaying the content of the limited transaction The transaction terminal device is adapted to execute a limited transaction corresponding to the limited transaction content when a confirmation input indicating that the transaction is desired is obtained .

Another example of the present invention is a display input unit for displaying and inputting information on transactions, a two-dimensional code reading unit for reading two-dimensional codes including account information, transaction information and biometric information, and a customer a biometric information reading unit for reading the biometric information , display on the display input unit, capture information obtained from the display input unit, the two-dimensional code reading unit and the biometric information reading unit, and perform a predetermined transaction; A transaction control method for a transaction terminal device, comprising: activating the two-dimensional code reading unit upon detection of a customer; obtaining the two-dimensional code read by the two-dimensional code reading unit; The personal identification number corresponding to the account information contained in the two-dimensional code is collated, and if the personal identification numbers match, the account information and the transaction information contained in the two-dimensional code are displayed on the display input unit. Then, when the biometric information is read from the biometric information reading unit after the display, the biometric information included in the two-dimensional code and the biometric information obtained from the biometric information reading unit are compared and collated. If the degree of matching exceeds the threshold, it is determined that the person has been authenticated using the biometric information, and if the degree of matching does not exceed the threshold, it is determined that the person has not been authenticated using the biometric information. Authentication processing is executed, and if the person cannot be authenticated by the first biometric information authentication processing, guidance display is performed on the display input unit to request the provision of the biometric information again, and the biometric information is displayed after the guidance display. When the reading unit reads the biometric information, the biometric information authentication process is executed again, and when the person can be authenticated by the authentication process using the biometric information, the account information and the transaction information included in the two-dimensional code are read. is used to execute a transaction based on the transaction information, and if the person cannot be authenticated even after the biometric information authentication process is repeated, the display input unit indicates that the biometric authentication cannot be confirmed and the Display the details of limited transactions without biometric authentication, which is predetermined for transactions based on account information, and indicate that you wish to trade with the details of limited transactions from the display input unit within a certain period of time after the details of limited transactions are displayed. is obtained, a limited transaction corresponding to the content of the limited transaction is executed .

According to the present invention, there is provided a transaction terminal device and a transaction control method for the transaction terminal device, which can shorten the time required for transaction of the transaction terminal device and prevent unauthorized use by a third party even if there is no server support. can provide.

It is a figure which shows the structure of the transaction terminal device concerning 1st Example of this invention. It is a figure which shows the structure of a portable terminal. It is a figure which shows the example of the customer information stored in a portable terminal. It is a figure which shows the transaction execution procedure of the Example shown in FIG. It is a figure for demonstrating the customer operation screen of a portable terminal. It is a figure which shows the example of information stored in a two-dimensional code. It is a figure which shows the example of a screen display of a transaction terminal device. It is a figure which shows the structure of the reception terminal device used in 2nd Example of this invention. FIG. 10 is a diagram illustrating a procedure for issuing a reception slip using the reception terminal device of FIG. 8; It is a figure which shows the example of a screen display of a reception terminal device. FIG. 4 is a diagram showing an example of a reception slip issued by a reception terminal device;

Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. In the following description of the embodiments, an example using "finger vein information", which is an example of "biological information", will be described, but the present invention is not limited to finger vein information, and various types of biological information can be used. can. That is, in the present invention, any biological information that can be used to identify an individual, such as finger veins, palm veins, irises, facial features, fingerprints, etc., may be used.

<First embodiment>
A first embodiment of the present invention will be described with reference to FIGS. 1 to 7. FIG. FIG. 1 shows the configuration of a transaction terminal device 100 according to the first embodiment. FIG. 2 shows the configuration of a mobile terminal for generating a two-dimensional code in the first embodiment. FIG. 3 shows an example of customer information stored in the mobile terminal. FIG. 4 shows the transaction execution procedure of the embodiment shown in FIG. FIG. 5 shows an example of a customer operation screen of a mobile terminal. FIG. 6 shows an example of information stored in a two-dimensional code. FIG. 7 shows a screen display example of the transaction terminal device.

(Configuration of Transaction Terminal Device)
In FIG. 1 , the transaction terminal device 100 is composed of a control section 110 , a customer sensor section 120 , a two-dimensional code reading section 130 , a finger vein reading section 140 , a display input section 150 and a deposit/withdrawal section 160 .

The control unit 110 controls each unit of the transaction terminal device 100, detects the approach of the customer with the customer sensor unit 120, and activates the two-dimensional code reading unit 130 when the customer approaches. to wait for the presentation of the two-dimensional code, and when the two-dimensional code is presented, the account information, transaction information, and finger vein information included in the two-dimensional code are acquired.

Further, the control unit 110 displays the content of the transaction on the display/input unit 150 based on the transaction information acquired from the two-dimensional code, and allows the customer to confirm the content of the transaction.
Further, the control unit 110 reads the customer's finger vein image from the finger vein reading unit 140, extracts the finger vein information that is the characteristic of the personal authentication from the input finger vein image, and reads the extracted finger vein information and the two-dimensional code. The personal identification process is performed depending on whether or not the degree of matching with the finger vein information contained in the . Also, when the personal identification is successful (matching matches), the control unit 110 permits (permits) financial transactions such as deposits and withdrawals using the deposit/withdrawal unit 160, and executes the transactions.
This control unit 110 uses a computer in this embodiment. A specific operation procedure of the control unit 110 will be described later with reference to FIG.

The display input unit 150 is composed of a touch panel input unit 151 and a display unit 152 . Under the control of the control unit 110, the display unit 152 displays menu screens, details of transactions, and the like. It is preferable that the display/input unit 150 uses a device such as a touch panel liquid crystal display in which a screen display function and a touch panel input function are integrated, but each device may be an independent device.
Under the control of the control unit 110, the deposit/withdrawal unit 160 performs cash deposit/withdrawal processing required for transactions.

(Configuration of mobile terminal)
FIG. 2 is a configuration diagram of a mobile terminal 200 that generates a two-dimensional code used for transactions, and is composed of a mobile terminal control section 210, a storage section 220, a two-dimensional code reading section 230, and a display input section 240. As shown in FIG.
The mobile terminal control unit 210 controls each part of the mobile terminal 200 and the like.
The storage unit 220 stores customer account information and finger vein information as customer information. Customer account information is registered in advance when an account is opened. Further, the finger vein information is registered at the time of opening the account or afterward. For registration of customer information, information can also be input using a two-dimensional code through the two-dimensional code reading section 230 .

The customer operates the touch panel input section 241 of the display input section 240 to input the transaction information, and causes the display section 242 to display the two-dimensional code for the transaction. The two-dimensional code displayed on the display unit 242 of the mobile terminal 200 is presented to the two-dimensional code reading unit 130 of the transaction terminal device 100 at the time of transaction. This two-dimensional code includes account information, finger vein information and transaction information. It is preferable that the display/input unit 240 uses a device such as a touch panel liquid crystal display in which a screen display function and a touch panel input function are integrated, but each device may be an independent device.

(Customer information configuration)
FIG. 3 is a diagram showing a configuration example of customer information stored in the storage unit 220 of the mobile terminal 200 in this embodiment.
The customer information is information related to the customer's bank account, and is composed of account information 300 and finger vein information 310 . The account information 300 is information for specifying a deposit account, and consists of a bank number 301 , a store number 302 , an item code 303 , an account number 304 and a kana name 305 .
The finger vein information 310 is information obtained by reading a finger vein image from a customer's finger and extracting characteristic information at the time of personal authentication from the finger vein image, and is used when performing personal identification processing in transactions.

Prior to trading with the transaction terminal device shown in FIG. Customer information (account information, finger vein information) is stored in the storage unit 220 of 200 .

(Procedures for conducting transactions on the transaction terminal device)
Next, an operation procedure in transaction terminal device 100 of FIG. 1 will be described.
Here, as described above, transaction information is generated in the mobile terminal 200 by the customer (user) in advance (before the start of the transaction by the transaction terminal device 100) when the transaction by the transaction terminal device 100 is performed. FIG. 5 shows an example of a screen of an information terminal for inputting transaction information. In inputting the customer's transaction information, the transaction type is selected on the transaction type selection screen as shown in FIG. 5(a). Here, it is assumed that withdrawal transaction is selected.

Next, the amount of withdrawal transaction and the personal identification number of the account are entered on the screen of FIG. 5(b). When the customer operates to display the two-dimensional code, the two-dimensional code used in the transaction can be generated and displayed as shown in FIG. 5(c). This two-dimensional code contains account information, finger vein information, and transaction information.

A specific configuration of information included in the two-dimensional code displayed here will be described with reference to FIG. Information stored in the two-dimensional code includes account information 600 , finger vein information 610 , transaction information 620 , personal identification number 630 , transaction number 640 and expiration date 650 . Account information 600 and finger vein information 610 are deposit account information stored in the mobile terminal in advance. The account information 600 includes bank number 601 , store number 602 , item code 603 , account number 604 , and kana name 605 . Finger vein information 610 is finger vein information obtained by reading a finger vein image from a customer's finger and extracting characteristic information from the finger vein image at the time of personal authentication.

The transaction information 620 is information related to a transaction input by a customer's operation, such as transaction type information such as deposit transaction or transfer transaction, transaction amount information, and the like.
The personal identification number 630 is the personal identification number information of the deposit account, which is input by the customer's operation.
The transaction number 640 is for preventing duplication of the same transaction, and a unique number without duplication is assigned each time a two-dimensional code is generated. Also, the expiration date 650 is expiration date information indicating the expiration date during which the two-dimensional code can be used.

It should be noted that information stored as a two-dimensional code is preferably encrypted by an appropriate encryption method for confidentiality.
Through such an operation, a two-dimensional code required for transactions is generated in the mobile terminal 200 in advance.

Next, operation procedures in the transaction terminal device 100 will be described with reference to FIGS. 1 and 4. FIG.
First, when a customer approaches the transaction terminal device 100 shown in FIG. 1 in order to carry out a transaction, the customer sensor unit 120 detects the approach of the customer. By the approach of the customer, the two-dimensional code reading unit 130 is activated and enters a two-dimensional code reading standby state. This operation is step S01 in FIG. Upon detection of the customer by the customer sensor unit 120, the two-dimensional code reading unit 130 (FIG. 1) is activated in step S02.

After the operation of step S<b>02 , the customer holds the two-dimensional code displayed on the mobile terminal 200 over the two-dimensional code reading section 130 . In step S03, it is determined whether or not the customer has held up the two-dimensional code. In step S03, if it is determined that the two-dimensional code displayed on the mobile terminal is held over the two-dimensional code reading section 130 (two-dimensional code input), the process proceeds to step S04. In step S04, the two-dimensional code reading section 130 reads the two-dimensional code.

After reading the two-dimensional code in step S04, the control unit 110 (FIG. 1) decrypts the information of the read two-dimensional code, obtains the information contained in the two-dimensional code, and at the same time obtains the personal identification number. Perform reconciliation and expiration checks. If the PIN numbers match and the expiration date is valid, the account information and transaction information acquired from the two-dimensional code are displayed on the display unit 152 as no problem. An example of display contents at this time is shown in FIG. On the confirmation screen, the type of transaction, transaction amount, account information, etc. are displayed on the screen, and if the contents of the transaction are to be approved, the customer is instructed to put his/her finger on the finger vein reader 140 . This processing is the processing operation of step S05 in FIG.

The customer (user) confirms the contents displayed on the screen in step S05, and if there is no problem with the contents, the customer puts a finger on the finger vein reading unit 140 to read the finger vein image.
In response to this customer response, transaction terminal device 100 (control unit 110) detects that finger vein reading unit 140 has placed the customer's finger in step S06, and reads the finger vein image.

In step S07 of FIG. 4, the finger vein information that is the characteristic at the time of personal authentication is extracted from the input (read) finger vein image. Subsequently, in step S07, the finger vein information read from the finger and the finger vein information included in the two-dimensional code are collated to calculate the degree of matching, and in step S08 it is determined whether or not the collation matches. conduct.

In step S08, when the calculated degree of matching exceeds a predetermined threshold value, it is determined that matching is successful (YES), and the process proceeds to step S09.
In step S08, if the collation does not match (NO), in this embodiment, the process proceeds to step S10 to determine whether failure (mismatch) is within N times (eg, N=3). If it is within N times, the process proceeds to step S11.

In step S11, the control section 110 causes the display section 152 to display a request to put the finger on the finger vein reading section 140 again. As a result, the customer places his finger on the finger vein reading unit 140 again, and the control unit 110 executes the processing of steps S06 to S08.
That is, even if there is a problem in the information first input by the finger vein reading unit 140 and the collation in step S08 does not match, the N-time retry function can be used to remedy the problem. Of course, even if a third party performs N retries in steps S06 to S08 and steps S10 and S11, the matching in step S08 will of course result in a mismatch, thus preventing unauthorized transactions by a third party.
Here, if the mismatch occurs N times in step S10, the transaction by the customer can be stopped.

However, in the embodiment shown in FIG. 4, even in such a case, a certain relief is provided for the customer's convenience. In other words, even if there are N discrepancies in step S10 (YES in step S10), a certain remedial transaction is possible. As a remedy for such cases, this embodiment proceeds to step S12 to permit certain transactions. This is a measure to allow such limited transactions if it has been decided in advance (at the time of opening an account, etc.) that limited transactions, such as limiting the amount of transactions, will be permitted without biometric authentication.

In step S12, the content of the limited transaction is displayed on the display unit 152, and if there is an input of confirmation from the customer that the content of the limited transaction is acceptable (step S13), the process proceeds to step S14 to execute the limited transaction. In step S13, if there is no input of confirmation within a certain period of time (in the case of NO), the process proceeds to step S15, displays that the transaction is impossible, and cancels the transaction.

On the other hand, in step S08, if the collation matches (YES), the process proceeds to step S09. In step S09, the content of the transaction indicated by the two-dimensional code is approved (approved), and the transaction is executed. The end of this execution completes the financial transaction.

Here, in step S06, when the customer puts his/her finger on the finger vein reading unit 140, it is verified in steps S07 and S08 whether or not the customer's finger vein information is the customer himself/herself. However, in the embodiment shown in FIG. 4, the customer places his/her finger on the finger vein reader 140, so the customer determines that there is no problem with the transaction details displayed in step S05, and It is judged that the instruction (declaration of intention) to execute the transaction was given. In other words, the control unit 110 does not make the customer press the "confirm" button to execute the transaction if there is a match (if YES) in the collation in step S08, but omits the confirmation operation and proceeds with the transaction as it is. Running. In this way, the transaction can be executed without pressing the "confirm" button again at the stage when the collation is matched. The processing of the control unit 110) is also simplified. Depending on the contents of the transaction information 620, if more attention is required for confirmation (for example, if the transfer destination is new, if the transfer amount is a certain amount or more, if the transaction terminal device 100 is operated for a certain period of time In the case of more available customers, etc., even if the collation is matched in step S08, the transition to step 09 may be delayed by several seconds according to the degree of alerting. Similarly, if a warning is required depending on the contents of the transaction information 620, the threshold for calculating the degree of matching in step S08 may be set high.

In FIG. 4, at step S09, the transaction is executed without the confirmation operation. A message may be displayed prompting the transaction, and the transaction may be executed under the condition that the "confirm" button is pressed by the customer. In this case, although it takes time to press the "confirm" button, there is an effect that the customer can obtain an opportunity for final confirmation before executing the transaction.

(Effect of the first embodiment)
As explained in detail above, according to the first embodiment of the present invention, the details of the transaction are entered in advance by operating the mobile terminal, and when the transaction terminal device is used, the account information, finger vein Complicated operations can be eliminated simply by holding a two-dimensional code containing information and transaction information over the transaction terminal device. Further, the finger vein information included in the two-dimensional code displayed by the mobile terminal is compared with the finger vein information read by the finger vein reading unit 140 of the transaction terminal device, and if they match, the transaction is permitted. Therefore, unauthorized transactions by a third party can be reliably prevented. In addition, since biometric information is registered in advance in the mobile terminal and is collated with the biometric information entered in the transaction terminal device, support by the server is not required for customer identity verification.

Furthermore, as shown in FIG. 4, the customer does not need to perform a second confirmation operation by simply entering the finger vein information once (the operation of placing the finger on the finger vein reading unit). Time customer burden and processing of transaction terminal actions can be simplified. In addition, a retry function is provided when biometric information cannot be read, and a certain amount of transactions can be performed even when verification cannot be performed even with the retry function, so convenience for customers can be improved.

<Second embodiment>
Next, a second embodiment of the invention will be described with reference to FIGS. 8 to 11. FIG. The major difference between the second embodiment and the first embodiment is mainly the difference in the method of creating the two-dimensional code, and the rest is the same as the first embodiment. In the second embodiment, instead of using the customer's portable terminal to generate the two-dimensional code, the reception terminal device installed in the financial institution is used to generate the same two-dimensional code as in the first embodiment. there is In the case of the second embodiment as well, the transaction terminal device has the same configuration as in FIG. 1, and its operation is the same as that shown in FIG. Therefore, the description of the contents overlapping with the description in the first embodiment may be omitted.

(Configuration of reception terminal device)
FIG. 8 is a configuration diagram of a reception terminal device 800 used to implement the second embodiment of the present invention. The reception terminal device 800 is installed in a branch of a financial institution and can be used with the permission of a bank employee. The reception terminal device 800 includes a reception terminal control section 810 , a two-dimensional code output section 820 , a finger vein reading section 830 and a display input section 840 .

The reception terminal control unit 810 controls each unit of the reception terminal device 800, and includes a display input unit that performs customer operations and displays to the customer, and performs screen display according to customer input operations. Also, the customer's finger vein image is read from the finger vein reading unit 830, the finger vein information that is the characteristic at the time of personal authentication is extracted from the input finger vein image, and the transaction information input by the customer and the finger vein information are combined. A two-dimensional code is generated by the two-dimensional code output unit 820, and the two-dimensional code is printed on a recording medium (for example, paper).

(Implementation procedure for customer reception)
FIG. 9 is a diagram for explaining the procedure for issuing a reception slip using the reception terminal device 800 of FIG.
First, a customer goes to a branch of a financial institution where the reception terminal device 800 is installed (a store where a bank employee resides), and presents a document (for example, a driver's license) that proves the identity of the customer to the bank employee. Permission to use the reception terminal device 800 is obtained. With this permission, the customer operates the reception terminal device 800 and obtains the two-dimensional code printed on paper. That is, in step S21 of FIG. 9, the customer selects the transaction type from the transaction selection screen shown in FIG. 10(a). In this embodiment, it is assumed that "transfer" is selected.

In step S22, the customer inputs the details of the transaction using the input screen for the details of the transaction shown in FIG. 10(b). The customer inputs the financial institution name, branch name, account number, recipient name, client number, telephone number, transfer amount, etc. as the contents of the "transfer" transaction, and presses the confirmation button after completing the input.

In step S23, the customer's operation is guided by the screen display shown in FIG. 10(c). The customer places his/her finger on the finger vein reading unit 830 (see FIG. 8), the finger vein reading unit 830 reads the finger vein image, and the reception terminal control unit 810 extracts the finger, which is a feature at the time of personal authentication, from the input finger vein image. Get vein information. Reception terminal control unit 810 generates a two-dimensional code by combining the acquired finger vein information, account information, and transaction information entered by the customer, and controls two-dimensional code output unit 820 to generate the two-dimensional code. Print. Therefore, this two-dimensional code contains finger vein information.

By printing the generated two-dimensional code and the receipt number from the two-dimensional code output unit 820, the customer can obtain the two-dimensional code printed on paper. FIG. 11 is an example of a receipt number slip 1100 obtained by a customer. Transaction information and customer's finger vein information are encoded and stored in the two-dimensional code of the receipt number slip 1100 .

(Procedures for conducting transactions on the transaction terminal device)
The transaction terminal device 100 (see FIG. 1) activates the two-dimensional code reading section 130 upon detecting the approach of the customer. Then, the two-dimensional code printed on the paper presented by the customer is read, and the content of the transaction stored in the read two-dimensional code is displayed on the screen of the display unit 152 . After that, it is assumed that the customer confirms the contents of the display and puts his/her finger on the finger vein reading unit 140 to approve the contents of the screen display. Furthermore, the finger vein information read by the finger vein reading unit 140 is collated with the finger vein information stored in the two-dimensional code to confirm the identity, and if the identity confirmation is successful, the transfer transaction is processed. . The explanation of the transaction terminal device 100 shown in FIG. 1 and the explanation of the series of operations of the transaction terminal device 100 shown in FIG. .

(Effect of the second embodiment)
As described above, according to the second embodiment of the present invention, it has the same effect as the first embodiment. In addition, in the second embodiment, even if there is no mobile terminal, if a document confirming the person's identity is brought, the reception terminal device is used with the permission of the bank clerk, and a two-dimensional code similar to that generated by the mobile terminal is obtained. be able to. According to the second embodiment of the present invention, the following effects can be obtained.

(1) The customer can complete the transaction simply by approaching the transaction terminal device and holding the two-dimensional code and the finger over the transaction terminal device.
(2) Since the customer confirms the identity of the customer by finger vein authentication, it is possible to prevent unauthorized use by a third party who has acquired the information terminal or the two-dimensional code.
(3) Duplicate transactions can be prevented by detecting duplicate transactions using the transaction number stored in the two-dimensional code.
(4) Unauthorized use by a third party who has obtained the two-dimensional code can be reduced by prohibiting the use of the two-dimensional code after the validity period has expired.

In the above-described embodiment, finger vein information is used as an example of biometric information. pattern, hand geometry, iris, face, etc.) can be used. In that case, a biometric information reading unit is used that can read the feature information from the biometric information screen corresponding to the biometric information to be used.

100: transaction terminal device, 110: control unit, 120: customer sensor unit, 130: two-dimensional code reading unit, 140: finger vein reading unit, 150: display input unit, 151: touch panel input unit, 152: display unit, 160 : Deposit/withdrawal unit 200: Mobile terminal 210: Mobile terminal control unit 220: Storage unit 230: Two-dimensional code reading unit 240: Display input unit 241: Touch panel input unit 242: Display unit 300: Account Information 301: Bank number 302: Branch number 303: Account code 304: Account number 305: Kana name 310: Finger vein information 600: Account information 601: Bank number 602: Branch number 603: Subject code 604: Account number 605: Kana name 610: Finger vein information 620: Transaction information 630: Personal identification number 640: Transaction number 650: Expiration date 800: Reception terminal device 810: Reception terminal control Unit 820: Two-dimensional code output unit 830: Finger vein reading unit 840: Display input unit 841: Touch panel input unit 842: Display unit 1100: Receipt number slip

Claims (6)

a display input unit for displaying and inputting information related to transactions; a two-dimensional code reading unit for reading two-dimensional codes including account information, transaction information and biometric information; a biometric information reading unit for reading the biometric information of a customer ; A transaction terminal device comprising a display on a display input unit, a control unit that captures information obtained from the display input unit, the two-dimensional code reading unit, and the biometric information reading unit, and executes a predetermined transaction, ,
The control unit
activating the two-dimensional code reading unit by detecting the customer, acquiring the two-dimensional code read by the two-dimensional code reading unit;
The personal identification number corresponding to the account information included in the two-dimensional code is verified, and if the personal identification numbers match, the account information and the transaction information included in the two-dimensional code are verified. displayed on the display input unit,
When the biometric information is obtained from the biometric information reading unit after the display, the biometric information included in the two-dimensional code and the biometric information obtained from the biometric information reading unit are compared and collated, and If the degree of matching exceeds the threshold, it is determined that the person has been authenticated using the biometric information, and if the degree of matching does not exceed the threshold, it is determined that the person cannot be authenticated using the biometric information. Biometric information authentication. perform the processing,
When the personal authentication cannot be performed by the first biometric information authentication process, a guidance display requesting re-provision of the biometric information is displayed on the display input unit, and after the guidance display, the biometric information reading unit reads the biometric information. is read, the biometric information authentication process is executed again,
If the person can be authenticated by the authentication process using the biometric information, the account information and the transaction information included in the two-dimensional code are used to execute the transaction based on the transaction information,
If the person cannot be authenticated even after the biometric information authentication process is repeated, the display input unit indicates that the biometric authentication cannot be confirmed and that there is no predetermined biometric authentication for transactions based on the account information. Display the limited transaction details of
If a confirmation input indicating a desire to trade with the limited transaction details is received from the display input unit within a certain period of time after the limited transaction details are displayed, the limited transaction corresponding to the limited transaction details is executed. A transaction terminal device. In the transaction terminal device according to claim 1,
When the degree of matching exceeds the threshold, the control unit determines that the content of the transaction based on the transaction information has been confirmed by reading the biometric information from the biometric information reading unit. A transaction terminal device characterized by: In the transaction terminal device according to claim 1,
A transaction characterized in that the two-dimensional code includes an expiration date of the transaction, and the control unit confirms that the personal identification number matches and that the transaction is within the expiration date, and then permits the transaction processing. Terminal equipment. A display input unit for displaying and inputting information related to transactions, a two-dimensional code reading unit for reading two-dimensional codes including account information, transaction information and biometric information, and a biometric information reading unit for reading the biometric information of the customer. , display on the display input unit, capture information obtained from the display input unit, the two-dimensional code reading unit and the biometric information reading unit, and perform a predetermined transaction. A transaction control method for a transaction terminal device,
activating the two-dimensional code reading unit by detecting the customer, acquiring the two-dimensional code read by the two-dimensional code reading unit;
The personal identification number corresponding to the account information included in the two-dimensional code is verified, and if the personal identification numbers match, the account information and the transaction information included in the two-dimensional code are verified. displayed on the display input unit,
When the biometric information is obtained from the biometric information reading unit after the display, the biometric information included in the two-dimensional code and the biometric information obtained from the biometric information reading unit are compared and collated, and If the degree of matching exceeds the threshold, it is determined that the person has been authenticated using the biometric information, and if the degree of matching does not exceed the threshold, it is determined that the person cannot be authenticated using the biometric information. Biometric information authentication. perform the processing,
When the personal authentication cannot be performed by the first biometric information authentication process, a guidance display requesting re-provision of the biometric information is displayed on the display input unit, and after the guidance display, the biometric information reading unit reads the biometric information. is read, the biometric information authentication process is executed again,
If the person can be authenticated by the authentication process using the biometric information, the account information and the transaction information included in the two-dimensional code are used to execute the transaction based on the transaction information,
If the person cannot be authenticated even after the biometric information authentication process is repeated, the display input unit indicates that the biometric authentication cannot be confirmed and that there is no predetermined biometric authentication for transactions based on the account information. Display the limited transaction details of
If a confirmation input indicating a desire to trade with the limited transaction details is received from the display input unit within a certain period of time after the limited transaction details are displayed, the limited transaction corresponding to the limited transaction details is executed. and a transaction control method for a transaction terminal device. In the transaction control method of the transaction terminal device according to claim 4,
A transaction of a transaction terminal device that determines that the content of a transaction based on the transaction information has been confirmed when the biometric information is read from the biometric information reading unit when the degree of matching exceeds the threshold. control method. In the transaction control method of the transaction terminal device according to claim 4,
wherein the two-dimensional code includes an expiration date of the transaction, confirms that the personal identification number matches and the transaction is within the expiration date, and then permits the transaction processing. Transaction control method.

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