JPH01244590A - Ic card unjust use preventing automatic transaction machine - Google Patents

Abstract

PURPOSE:To automate window business by collating the fingerprint data and seal data of an IC card possessor registered in the memory area of an IC card with the fingerprint data and the seal data of an IC card user read at the time of a transaction. CONSTITUTION:After the formal truth check of the inserted IC card, an IC card processing part 11 transfers the fingerprint data and seal data of the IC card possessor registered in the memory area in the IC card to a main control part 17. A fingerprint reading part 12 reads the fingerprint of the IC card user himself of an automatic transaction machine 1, and a seal reading part 13 reads the imprint of the seal pressed on the slip prepared by the IC card user. By collating one or the both of the fingerprint data and the seal data of the IC card user obtained in such a way with the fingerprint data and the seal data registered in the memory area in the IC card, the main control part 17 decides the truth of the transaction. Thus, the window business can be automated.

Description

[Detailed Description of the Invention] (Industrial Application Field) The present invention relates to an automatic transaction machine for financial institutions or distribution institutions, and in particular, to reliably confirm that an IC card user is the IC card owner. Regarding automatic transaction machines equipped with fraud prevention systems that require a high level of security.

(Prior art) Conventionally, in this type of IC card automated teller machine, the method of confirming the match between the IC card user and the IC card owner, which is particularly important in confirming the validity of transactions, is to use an IC card at the time of transaction. The method is to verify a match by comparing the PIN number entered by the person with the PIN number registered in advance by the IC card owner. This password is usually a four-digit number.

(Problem to be Solved by the Invention) The conventional IC card automatic transaction machine described above uses a PIN number to verify the authenticity of the IC card user, so if the IC card holder loses the IC card, In some cases, if someone else finds the PIN number or obtains it through some other method (arranging it over the phone, entering the PIN number by trial and error, etc.), it can easily be used fraudulently, which is a serious issue.

Therefore, preventive measures have been considered, such as using a PIN code instead of a PIN number or increasing the number of digits in the PIN number, but the more complex the PIN number, the more difficult it is to forget and the longer it takes to enter it.
Furthermore, even with this approach, unauthorized use cannot be completely prevented, so it has not been put into practice.

In recent years, crimes caused by unauthorized use of cards, including magnetic cards, have been increasing, and this has become a social problem.

On the other hand, there is the issue of how to automate the current counter operations of banks, etc.

In order to automate counter operations, two things are needed: character recognition and seal verification, both of which are in the practical application stage. In particular, as mentioned above, seal verification has an important meaning as a means of confirming the legitimacy of account holders and account users.
・At the bank in the department, we are creating a database of customer seals,
Automatic seal verification is underway. In this case, the database imports the seals as image data, so if the image data for all customers is imported, it will require an extremely large amount of memory capacity. A problem arises in that the transaction time per transaction is delayed.

For the above reasons, automation of counter operations has not yet reached the stage of completion.

(Means for Solving the Problems) In order to solve the above-mentioned problems, the present invention provides 1. A C card unauthorized use prevention automatic transaction machine that registers the owner's fingerprint data and seal data in an internal memory area. There is an IC
A card, a fingerprint reading means for reading the fingerprint data of a user who conducts a transaction using the IC card, and a seal reading means for reading the seal data stamped on a slip created by the TC card user, At least one of the fingerprint data of the TC card user read by the fingerprint reading means or the seal stamp data of the IC card user read by the seal reading means is registered in a memory area inside the IC card. The validity of the transaction is confirmed by comparing it with fingerprint data or seal data of the IC card holder.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of an IC card unauthorized use prevention automatic transaction machine according to an embodiment of the present invention.

In the diagram, 1 is an automatic transaction machine, 2 is a post computer, 11
1 is an IC card processing unit, 12 is a fingerprint reading unit, 13 is a seal reading unit, 14 is a passbook/slip processing unit, 15 is a cash processing unit, 1
G indicates a display section, and 17 indicates a main control section.

In FIG. 1, an automated teller machine 1 is connected to a host computer 2 via a communication line, and updates, adds to, or cancels a database for center management. Also,
It has seven units inside, and a main control section 17 as a central function controls these seven units 1 to 1.

After checking the authenticity of the external shape of the inserted IC card, the IC card processing unit 11 disconnects the contacts 1 to 1 of the IC card and checks the ownership of the IC card registered in the internal memory area of the IC card. Obtain the person's fingerprint data and seal stamp and check their validity. This enables data transfer between the IC card and the main control unit 17, and the IC card processing unit 11 transfers the acquired fingerprint data and seal data of the IC card owner to the main control unit 17.
Transfer to.

The fingerprint reading section 12 reads the fingerprint of the IC card user of the automatic transaction machine 1, and the seal reading section 13 reads the impression of the seal affixed to the IC card user's prepared slip.

Passbook/slip processing department 14. Cash processing section 15 and display section 16
has the same functions as traditional automated trading machines.

Next, the operation of the automated teller machine for preventing unauthorized use of an IC card according to this embodiment will be explained using cash withdrawal as an example.

When a customer who brings an IC card presses the cash refund item button and then inserts the IC card into the card insertion slot, the IC card processing unit 11 checks the validity of the IC card and inputs the IC card.
The main control unit 17 stores the fingerprint data and seal data of the IC card owner registered in the internal memory area of the C card.
Transfer to,.

Here, as the first transaction form, the display unit 16 displays CR
Caitance will be displayed on the display such as the T-display, and I
A C card user follows this chitance and, for example, brings his or her right thumb into close contact with a panel-shaped object. At this time, the fingerprint reading section 12 operates to collect fingerprint data of the IC card user.

As a second transaction type, when an IC card user inserts a slip with a stamp stamped on it, the seal reading section 13 operates to collect stamp data from the slip.

Further, as the third transaction type, there are both the above-mentioned first transaction type and second transaction type. At this time, the fingerprint reading unit 12 and the seal reading unit 13 operate to collect fingerprint data and seal data.

The main control unit 17 collates one or both of the fingerprint data and seal data of the IC card user collected in this manner with the fingerprint data and seal data registered in the internal memory area of the above-mentioned IC card. By doing so,
Determine whether the transaction is genuine or false.

If the transaction is false, the IC card and slip will be returned and the transaction will be canceled.

In addition, if the validity of the transaction is confirmed, enter the amount,
It performs the same functions as before, such as checking balances and updating databases, collects slips, discharges IC cards and transaction lines (receipts), and discharges cash from the cash processing unit 15 to be received by customers. The transaction will be completed after confirmation.

(Effects of the Invention) As explained in Section 2, the present invention registers the fingerprint data and seal data of the IC card owner in the memory area of the IC card, and stores the fingerprint data of the IC card owner. The validity of the transaction is confirmed by comparing the seal data with the IC card user's fingerprint data and seal data read at the time of the transaction. Therefore, counter operations can be automated, and there is no need to store customer seal stamp data and fingerprint data as a database for center management, which has the effect of shortening processing time and eliminating the need for management costs and equipment.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing the configuration of an IC card unauthorized use prevention automatic transaction machine according to an embodiment of the present invention. 1... Automatic transaction machine, 2... Host computer, 1
1... IC card processing section, 12... Fingerprint reading section, 1
3... Seal reading section, 14... Passbook/slip processing section, 1
5... Cash processing section, 16... Display section, 17... Main control section.

Claims (1)

[Claims] An IC card in which fingerprint data and seal data of an owner are registered in an internal memory area, a fingerprint reading means for reading fingerprint data of a user who conducts a transaction using this IC card, and a fingerprint reading means for reading fingerprint data of a user who conducts a transaction using the IC card; and a seal reading means for reading seal data stamped on a created slip, and the IC card user's fingerprint data read by the fingerprint reading means or the IC card user's fingerprint data read by the seal reading means at the time of transaction. The validity of the transaction is confirmed by comparing at least one of the seal data with fingerprint data or seal data of the IC card owner registered in an internal memory area of the IC card. An automatic transaction machine that prevents unauthorized use of IC cards.