JPH11328421A - Automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction system for allowing a customer to perform transaction by inputting a symbol to a terminal part without using any card or any passbook, and for quickly identifying the customer. SOLUTION: In this system 10, a server 50 in each bank is provided with a registering part 60 for registering plural sets of symbols being arbitrarily selected symbols which can be overlapped on the other selected symbols and preliminarily obtained biometrics information corresponding to each set of symbols, retrieving part 70 for retrieving the biometrics information corresponding to the symbol inputted to a terminal part 20 from the registering part 60, and collating part 80 for collating the biometrics information obtained by a biometrics information obtaining part 30 with the biometrics information of the registering part 60 retrieved by the retrieving part 70.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system including a terminal unit such as an ATM (automatic transaction device) installed in a financial institution, and more particularly to an automatic transaction system such as iris data for identifying customers. The present invention relates to an automatic transaction system using biometric information.

[0002]

2. Description of the Related Art In order to make a transaction with a customer using a terminal unit such as an ATM installed in a financial institution, for example, a card such as a cash card in which the number of a deposit account is recorded or a passbook is provided. There has been proposed an automatic transaction system that uses important information, for example, biometric information such as iris data.

In the automatic transaction system using the card and the biometric information, an account number and iris data corresponding to the account number are registered in a registration unit in advance. When a customer makes a transaction using an ATM, the iris data of the customer is acquired by the biometric information acquisition unit. When the customer inserts the card into the ATM, the account number is read from the card, and the account number of the registration unit corresponding to the read account number is searched.

[0004] The iris data of the registration unit corresponding to the searched account number and the iris data of the customer acquired by the biometric information acquisition unit are collated, and the customer is identified by a match between the two. Since the iris data of the registration unit is registered corresponding to the account number, the identification of the customer is performed quickly. After the customer's identity is confirmed by the customer's identification, predetermined operations such as deposits and withdrawals are automatically performed when the customer operates the ATM.

[0005]

However, in the automatic transaction system using the card and the biometric information described above, the card is required when the customer makes a transaction using the ATM as described above. However, there is a problem that, for example, when the user forgets to bring a card, the customer cannot make a transaction.

In order to solve this problem, the customer's iris data acquired by the biometric information acquisition unit is sequentially collated with each biometric information registered in the registration unit, so that the customer's iris data can be used without using a card. Can be identified.

However, when a customer is identified by comparing the iris data acquired by the biometric information acquisition unit with each biometric information of the registration unit, the acquired iris data and all biometric information of the registration unit are identified. May need to be matched.

[0008] Since the amount of biometric information is large and the number of customer biometric information registered in the registration unit is generally large, the comparison between the acquired iris data and each piece of biometric information in the registration unit is performed. However, when a customer is identified, it takes a long time to identify the customer, which causes a problem that the customer cannot trade quickly.

Therefore, an object of the present invention is to eliminate the need for a card or passbook for a customer to make a transaction using a terminal unit,
Another object of the present invention is to provide an automatic transaction system capable of quickly identifying a customer.

[0010]

The present invention adopts the following constitution in order to solve the above points. <Structure> The present invention provides a biometrics information acquiring unit for acquiring biometrics information, a plurality of sets of symbols that are arbitrarily selected symbols and allow overlapping with other selected symbols, and each symbol set. A registration unit for registering biometric information acquired in advance corresponding to each of the devices, and when a symbol is input to the terminal unit, the biometric information corresponding to the symbol is searched from the registration unit based on the input symbol. And a matching unit for matching the biometric information obtained by the biometric information obtaining unit with the biometric information of the registration unit searched by the searching unit, and a transaction input to the terminal unit. It is characterized by automatically trading based on information.

<Operation> In the automatic transaction system according to the present invention, a plurality of sets of symbols which are arbitrarily selected and which are allowed to overlap with other selected symbols, and which are obtained in advance corresponding to each symbol set. The registered biometric information is registered in the registration unit.

Since the symbol is arbitrarily selected and may be overlapped with other selected symbols, the customer may use the symbol as a memory, such as the customer's telephone number, date of birth, and postal code. An easy number can be registered in the registration unit.

[0013] When a customer makes a transaction using the terminal unit, the biometric information acquisition unit acquires the customer's biometric information as in the conventional case. Further, when the customer inputs the symbol into the terminal unit, a symbol of the registration unit that matches the input symbol is searched.

[0014] The biometrics information of the registration unit corresponding to the retrieved symbol is collated with the biometrics information acquired by the biometrics information acquisition unit, and the customer is identified by matching the two.

The biometric information of the registration unit is registered in correspondence with each of a plurality of sets of symbols, and the biometric information acquired by the biometric information acquisition unit is stored in the registration unit corresponding to the symbol input to the terminal unit. Since the obtained biometrics information is compared only with the obtained biometrics information, the obtained iris data is compared with all the biometrics information of the registration unit sequentially. The metric information is searched quickly without using a card, so that the customer can be quickly identified.

From the above, in the automatic transaction system according to the present invention, if the customer inputs the above-mentioned symbol into the terminal unit, the customer can be quickly identified without using a card or a passbook.

[0017] By using at least one of a numeral and a letter as the symbol, it is possible to make the customer easily remember the symbol.

The biometrics information corresponding to each symbol set can be registered in the registration unit in a data structure collectively arranged for each symbol set.

By using the input keys for inputting the transaction information to the terminal unit, by inputting the symbols into the terminal unit,
Compared to an automated trading system that inputs the symbols by voice,
The confidentiality of the symbol can be improved.

If the customer can arbitrarily select a deposit account number, the deposit account number can be used as the symbol. However, since the account number is relatively difficult to remember, it is desirable that the symbol be different from the account number.

[0021]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below using specific examples. << Specific Example >> FIG. 1 shows a data structure of biometrics information used for identifying a customer who uses the automatic transaction system according to the present invention. Before describing the data structure of the biometrics information with reference to FIG. 1, an entire automatic transaction system according to the present invention will be described with reference to FIG.

FIG. 2 shows an automatic transaction system according to the present invention, for example, an automatic transaction device (hereinafter referred to as A) installed in a bank store.
An example in which the present invention is applied to an automatic transaction system 10 including a terminal unit 20 (hereinafter referred to as TM) is shown.

In the automatic transaction system 10, for example, in order to perform a payment transaction, transaction information such as the account number of the payee and the payment amount is input to the terminal unit 20 by operating the terminal unit 20 by the customer. In order to identify a customer who is an operator of the terminal unit 20, biometric information such as iris data that is well known in the related art is used.

In the example shown in FIG. 2, the automatic transaction system 10 has at least one terminal unit 20 for a customer to input transaction information, and a biometric system provided on the terminal unit 20 and being information unique to the customer. A biometrics information acquiring unit 30 for acquiring metrics information, and a server 50 for receiving transaction information input to the terminal unit 20 and biometrics information acquired by the biometrics information acquiring unit 30 via the communication line 40. Prepare. The server 50 is installed in the head office of the bank in the illustrated example.

The server 50 associates the previously acquired biometric information of all customers of the bank store preferably with a symbol including at least one of numbers, letters and codes given to each customer in advance. Registration unit 6 for registration
0, a search unit 70 for searching the biometrics information of the registration unit 60, and the biometrics information acquired by the biometrics information acquisition unit 30 with the biometrics information of the registration unit 60 searched by the search unit 70. A collating unit 80 for collating is provided.

The registration section 60 of the server 50 has the configuration shown in FIG.
In the example of the data structure shown in FIG.
Biometrics information arranged in the vertical direction and corresponding to at least one for each symbol set is collectively arranged and registered in the horizontal direction.

The above-mentioned symbol given to each customer and registered in the registration unit 60 in advance is arbitrarily selected in advance by each customer. Further, since this symbol is allowed to overlap with a symbol given to another customer, an easy-to-remember number such as a telephone number, a date of birth, and a postal code of the customer can be used as the symbol. In this specific example, the lower four digits of the telephone number, for example, are used as symbols in order to make it easier for customers to remember the symbols by reducing the number of digits of the symbols.

For example, a symbol b input to the terminal unit 20
(N) and the biometric information corresponding to the symbol b (n) are stored in the registration unit 6 as shown by the hatched lines in FIG.
0 is registered. Since other customers can select the symbol b (n) redundantly, in the example shown in FIG. 1B, a plurality of pieces of biometric information (A, B and C) is registered in the registration unit 60. Further, corresponding to each of the biometrics information,
Account number (K1, K) of the deposit account required for conducting the transaction
2 and K3) are registered.

When the customer selects a payment transaction from transaction contents such as withdrawal, payment and balance inquiry using an input key (not shown) for inputting transaction information provided in the terminal unit 20, the acquisition of biometric information is performed. Part 30
Operates to acquire the biometric information a of the customer who operates the terminal unit 20. After selecting a transaction, the customer uses the input keys to select, for example, the symbol b
(N) is input to the terminal unit 20.

When the customer inputs the symbol b (n) to the terminal unit 20, the biometric information a obtained by the biometric information obtaining unit 30 and the symbol b input to the terminal unit 20 are displayed as shown in FIG. The transmission data c including (n) is transmitted to the server 50 via the communication line 40.

When the transmission data c is transmitted to the server 50, the reading unit (not shown) of the server 50 reads the biometric information a and the symbol b (n) from the transmission data c, and reads the read symbol b (n). n)
Is input to the search unit 70 as search information, and the biometrics information a is input to the matching unit 8 as matching information after the search.
Input to 0.

The search unit 70 stores the symbol b (n) as search information.
Is input, the search unit 70 searches the registration unit 60 for the symbol b (n) based on the search information, and searches for the symbol b (n) in FIG.
The biometrics information A, B, and C corresponding to the symbol b (n) shown in (1) are read from the registration unit 60 as the biometrics information d. The read biometrics information d is input to the matching unit 80. Collation unit 80
Matches the biometric information a input as the matching information after the search with the biometric information d input from the search unit 70, that is, the biometric information A, B, and C, respectively.

As a result of this collation, the biometrics information a acquired by the biometrics information acquisition unit 30 and
If, for example, the biometrics information C of the registration unit 60 matches, the customer who uses the terminal unit 20 is recognized as the individual. Thereby, the account number with which the customer using the terminal unit 20 trades is determined to be the account number K3 corresponding to the biometrics information C of the registration unit 60.

Based on the determined account number, as is well known in the art, personal information necessary for a transaction using the terminal unit 20 such as a customer's name, address and balance is stored in the data of the registration unit 60, for example. Read from a different location than the structure. The verification unit 80 transmits the reply data e including the determined account number and the personal information to the terminal unit 20 via the communication line 40. When the terminal unit 20 receives the reply data e from the matching unit 80 of the server 50, the terminal unit 20 performs the payment transaction selected by the customer using the terminal unit 20,
A conventionally well-known process is performed to end the transaction.

On the other hand, if the biometrics information of the registration unit 60 that matches the biometrics information a acquired by the biometrics information acquisition unit 30 is not found as a result of the comparison, the customer using the terminal unit 20 cannot Recognition is not made, and the collation unit 80 transmits to the terminal unit 20 reply data f indicating that the identity could not be confirmed. The terminal unit 20 receives the return data f from the matching unit 80 of the server 50.
Is received, as is well known in the art, a message that the transaction cannot be made is displayed because the identity could not be confirmed, and the operation ends without conducting the transaction.

In the automatic transaction system 10, the biometric information of the registration unit 60 is registered corresponding to each of a plurality of sets of symbols that are allowed to be duplicated, and the biometric information a acquired by the biometric information acquisition unit 30 is: Registration unit 6 corresponding to symbol b (n) input to terminal unit 20
Only the biometric information A, B, and C of 0 are collated.

Thus, the biometrics information a acquired by the biometrics information acquisition unit 30 is sequentially compared with all the biometrics information registered in the registration unit 60, but the information unique to the customer is compared with the biometrics information a registered in the registration unit 60. The biometrics information of the registration unit 60 that matches a certain biometrics information a is quickly searched without using a card and a passbook.
Quickly identified.

In the above example, each account number registered in the registration unit 60 is registered in the registration unit 60 in association with only one piece of biometrics information. For example, the same deposit account may be shared within a family. In consideration of the above, each account number of the registration unit 60 can be registered in association with a plurality of pieces of biometric information as shown in FIG.

Further, in the above-described example, in order to improve the confidentiality of the symbol, an example is described in which the symbol is input to the terminal unit 20 using the input keys. It can be input to the terminal unit 20.

If the customer can arbitrarily select the account number of the deposit account, the account number can be used as the symbol. However, since the account number is relatively difficult to remember, it is desirable that the symbol be different from the account number.

In the above-described example, the registration unit 60 is provided in each server 50 of each bank. However, instead of this example, as shown in FIG. 3, the server (5
The registration unit 60 can be provided only in the joint center 90 connected to the communication center 100 via the communication line 100 (1, 52). Thereby, since the registration unit 60 can be shared among a plurality of banks, it is possible to reduce the burden on each bank for registering, for example, biometrics information and symbols of customers in the registration unit 60.

In the above-described example, iris data is used as biometric information. Instead, information such as a fingerprint, a voiceprint, and a physical feature can be used as biometric information.

[0043]

As described above, in the automatic transaction system according to the present invention, the biometric information corresponds to each of a plurality of arbitrarily selected symbols which are allowed to overlap with other symbols. The biometric information is acquired in advance by the registration unit, and the biometric information acquisition unit acquires the biometric information. When a symbol is input to the terminal unit, a symbol of the registration unit that matches the symbol input to the terminal unit is searched.

Since the biometric information obtained by the biometric information obtaining section is compared with only the biometric information of the registration section corresponding to the searched symbol, the biometric information coincides with the biometric information obtained by the biometric information. The biometrics information of the enrollment unit to be retrieved is quickly retrieved from the enrollment unit without using a card, whereby the customer is quickly identified.

Therefore, according to the present invention, if the customer inputs the symbol into the terminal unit, the customer can be quickly identified without using a card or a passbook.

[Brief description of the drawings]

FIG. 1 is a data structure of biometric information registered in a registration unit according to the present invention.

FIG. 2 is a block diagram showing a configuration of an automatic transaction system.

FIG. 3 is a block diagram showing a modification of the automatic transaction system.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Automatic transaction system 20 Terminal part 30 Biometrics information acquisition part 60 Registration part 70 Search part 80 Collation part

Claims (5)

[Claims] 1. An automatic transaction system for automatically transacting transactions based on transaction information input to a terminal unit, comprising: a biometric information acquisition unit for acquiring biometric information; and an arbitrarily selected symbol. A registration unit for registering a plurality of sets of symbols that allow duplication with other selected symbols and biometrics information acquired in advance corresponding to each symbol set, and the symbol is input to the terminal unit. Based on the input symbol, a search unit for searching for the biometric information corresponding to the symbol from the registration unit, and the biometric information acquired by the biometric information acquisition unit is searched for. An automatic transaction system, comprising: a matching unit for matching the biometric information of the registration unit searched by the unit. 2. The method according to claim 1, wherein at least one of a numeral and a character is used as the symbol.
Automatic trading system described. 3. The biometrics information corresponding to each of the symbol sets is registered in the registration unit in a data structure arranged collectively for each of the symbol sets. Automatic trading system. 4. The automatic terminal according to claim 1, wherein the terminal unit includes an input key for inputting transaction information, and the symbol is input to the terminal unit using the input key. Trading system. 5. The automatic transaction system provided in a financial institution, wherein the symbol is different from a deposit account number.