KR20050009506A - Method And Apparatus for Discernment User Cash Dispenser - Google Patents

Abstract

PURPOSE: A device and a method for recognizing a user to draw out cash or check from an ATM(Automated Teller Machine) are provided to prevent cash/check withdrawal of the unlawful user without obstructing the lawful user by correctly discriminating the lawful user and the unlawful user with a face recognizing means. CONSTITUTION: A CCD(Charge Coupled Device)(100) pictures a face area of the user by installing to a proper position of the ATM(10). A sampling/yield controller(110) performs sampling and controls a yield by detecting a color signal and a brightness signal from an image of the face area. A face recognizer(130) extracts continuity of skin color corresponding to a face color of the user from digital image data obtained from a filter(120) and determines use of the ATM by discriminating the lawful or unlawful user depending on an extraction result. A voice processor(150) informs the user of approval for using the ATM depending on a recognition result of the face recognizer.

Description

Device and method for user identification of cash dispenser {Method And Apparatus for Discernment User Cash Dispenser}

The present invention relates to a cash dispenser that can automatically withdraw cash using, for example, a magnetic card such as a credit card, a debit card and a cash card, or a bank account, and more particularly, to withdraw cash and checks through a cash dispenser. Or it relates to a user identification device and method of the automatic teller machine to more accurately identify the user at the time of account transfer processing to prevent unauthorized cash or check withdrawal.

In general, magnetic cards such as credit cards or cash cards issued by banks, credit cards issued by professional card companies, and debit cards are widely used in cash. Therefore, they are widely used due to their convenience and portability. . Including such a magnetic card, withdrawal and bank account is provided with the convenience of freely performing cash and check withdrawal, inquiry, account transfer processing, etc. in the cash dispenser.

A cash dispenser usually automatically withdraws and inquires cash and checks, such as a cashier's work, during a non-business hours or holidays when a customer of a financial institution can't go through a window. Refers to the terminal of the on-line finance.

These ATMs are installed in locations other than the counters in the branches, such as public buildings, department stores, express bus terminals, and large discount marts, for the purpose of streamlining business operations such as non-business hours and holidays, and improving customer service. It is connected to the bank computer network's host computer system and provides various services such as direct debit, cash and check withdrawal according to the customer's operation.

The biggest problem in the use of such a simple ATM machine is the problem of fraud due to the loss or theft of the card. The fraud is primarily protected by a password, but the password is a simple numerical combination. Once a password is known, it can't act as a safeguard at all.

As a way to improve this, a security device of a cash dispenser for recording a face of a user by installing a surveillance camera on a cash dispenser has been produced and commercialized.

1 is a block diagram schematically showing such an ATM machine.

As shown in FIG. 1, the cash dispenser 10 includes a main control unit for controlling the overall operation of the control processor 12, the first and second module units 16 and 18, and the cash dispenser 10. Each of which is interconnected, including a main control unit (14), and the main controller (14) includes communication equipment for mutual data communication with an internal host computer (20) of a bank, such as a modem or a LAN card. do. In addition, the first and second module units 16 and 18 are provided with a display device such as a keypad and a screen for the user to input data.

In addition, a video cassette installed on the cash dispenser 10 to prevent unauthorized use due to the loss or theft of a card, and a video cassette for recording a user's face and a recorded video on a video cassette tape. The recorder 50 is comprised.

As described above with reference to Figure 2 the operation of the automated teller machine 10 with a security device.

First, when the user inserts the card 60 in the cash dispenser 10 to perform a desired operation, such as cash or check withdrawal or balance check (step S10), the surveillance camera 40 is operated to operate the video cassette recorder ( The user's face is recorded on the cassette tape of 50, and the surveillance camera 40 is turned off at an appropriate time to end the recording. Separately, the user separately locates a key located in the first module unit 16. After selecting the function through (step; S11), enter the password (step; S12) and then input the order, such as cash or check withdrawal or balance inquiry (step; S13) in the first module unit 16 An electrical signal corresponding to the manipulated key is generated, and the encoded data is transmitted to the internal host computer 20 through the communication device. At this time, the control processor 12 and the main control unit 14 perform various procedures prior to data transmission through data communication for transmitting the encoded data, that is, the connection with the counterpart host computer and the status of the counterpart host computer. In addition, it performs the following procedure after the data transmission, such as mutually confirming that the data transmission has been executed correctly and terminated, and then disconnecting the line.

The internal host computer 20 inquires the user's order input from the storage means not shown in the figure after reading the transmitted encoded data (step S14). When the inquiry is completed, the data is transmitted to the cash dispenser 10, and the transmitted data is processed through a display device of the cash dispenser 10 by cash or check withdrawal or notification of withdrawal (step S15). Will end.

That is, the corresponding service provision for the user's input data called from the main controller 14 of the cash dispenser 10 is input in real time from the internal host computer 20 in the bank while inputting the data into the cash dispenser 10. The response is then provided to the user through a display device or a separate output device. In other words, a cash dispenser, one of the terminal devices of a bank's online system that acts as a cashier's teller, is installed in various locations outside the bank, connected to a central host computer via a communication line, and the customer orders himself. By input, the customer's request such as cash or check withdrawal, balance inquiry, account transfer, etc. is processed in real time.

The operation of the cash dispenser 10 can be connected not only to the host computer 20 in the bank but also to another external host computer 30 in a specific region, thereby sharing a service with another bank or a service provider. Can be.

However, the conventional automatic teller machine equipped with the security device as described above allows the automatic teller machine to operate even when the user hides the surveillance camera so as not to expose his or her face, or covers the face with a hat, sunglasses or a mask. Therefore, in most cases, the fraudulent user cannot be identified by the recorded face image.

Accordingly, some advanced countries, such as the United States and Japan, have attempted to prevent fraud by using a method of recognizing each person's face, iris, fingerprint, and the like.

However, this method not only has to build a huge database for all users, but also has to provide an expensive recognition device for each ATM, and because the data volume is large, it takes a long time to compare and the recognition error rate is high. There was a problem that prevented proper use.

Accordingly, an object of the present invention is a user identification device of an automated teller machine that more accurately distinguishes a legitimate user from an illegal user during cash and check withdrawal or bank transfer processing, and notifies whether a cash dispenser can be used or not at this time. The user identification device includes an image pickup device for photographing a user's face and a face identification unit for extracting and identifying a user's facial features with an image acquired from the image pickup device. This can be achieved by notifying the user that the ATM is not available when the image of the face is read or when the user's face area is not read.

Another object of the present invention is to identify the user of the cash dispenser to tell the use of the cash dispenser according to whether or not by taking a picture of the face of the user when inserting the card or bank account in the cash dispenser according to the face identification And providing a method.

Other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

1 is a block diagram schematically showing a security device of an automatic teller machine according to the prior art,

2 is a signal flow diagram illustrating an operation of the cash dispenser of FIG.

3 is a block diagram showing a user identification device of an ATM machine according to the present invention;

4 is an operation flowchart showing an example of a user identification process performed in the user ID device of the ATM machine according to the present invention.

<Description of the symbols for the main parts of the drawings>

10: cash dispenser 12: control processor

14: main controller 100: image pickup device

110: sampling and gain control unit 120: filter unit

130: face identification unit 140: voice memory unit

150: voice processing unit 160: speaker

According to an aspect of the present invention, there is provided an apparatus for identifying a user of an ATM, the apparatus comprising: an image pickup device configured to photograph a face region of a user installed at an ATM; A sampling and gain control unit for detecting and sampling a color signal and a luminance signal from an image of a face region of the user photographed by the imaging device and controlling gain; A filter unit for filtering the image signal obtained by the sampling and gain control unit and outputting the digital image data; A face identification unit which extracts the continuity of flesh color corresponding to the color of the user's face using the digital image data obtained by the filter unit and determines whether to use an automatic teller machine by identifying an illegal user or a legitimate user according to the extraction result; And a voice processing unit which notifies, via a speaker, whether or not the ATM is used according to a result identified by the face identification unit.

Optionally, it further comprises a voice memory unit for storing the voice of the use of the cash dispenser and the permission of use of the automatic teller machine and provide it to the face identification unit.

According to a user identification method of a cash dispenser according to the present invention, the method comprises: (1) acquiring an image of a user photographed through an image pickup device; (2) searching whether there is an image of a face region from the acquired image of the user; (3) notifying the user by voice of a face position adjustment command if the face region of the user does not exist; (4) determining whether there is a continuity of flesh color corresponding to the color of the face of the user when the face region of the user exists; (5) if the skin color is not continuous, notifying a command to remove an attachment of a face by voice; And (6) determining the use permit of the ATM when the face region exists and the skin continuity of the face is extracted.

Preferably, when there is no continuity between the face area and the skin color in the state in which the face position adjustment command and the remove object attachment command are notified at least once, the voice automatic teller may be informed that the cash dispenser cannot be used. do.

As such, the automatic teller machine includes an image pickup device for photographing the user's face and a face identification unit for extracting and identifying the user's face features with the image acquired from the image pickup device, and provides cash only when there is no attachment on the user's face. You can see that it allows the use of automatic teller machines.

As a result, there is an advantage in that it is possible to more accurately distinguish between legitimate and fraudulent users at the time of cash and check withdrawal, thereby preventing cash / check withdrawal by the fraudulent users without prejudice the cash withdrawal of the legitimate users at this time.

And, there may be a plurality of embodiments of the present invention, the following most preferred embodiments will be described in detail.

Through this preferred embodiment, the objects, other objects, features and advantages of the present invention will become more apparent from the following description with an embodiment according to the present invention in connection with the accompanying drawings shown for illustrative purposes.

Hereinafter, preferred embodiments of the credit card payment approval system according to the present invention with reference to the accompanying drawings will be described in detail.

In addition, in each drawing used for description, the same code | symbol is attached | subjected about the same part as a conventional technical structure, and the overlapping description may be abbreviate | omitted.

3 is a block diagram showing a user identification device of an ATM machine according to the present invention.

As shown in FIG. 3, the user identification apparatus of the cash dispenser according to the present embodiment includes a first processor and a second module unit in which a control processor 12, a keypad for inputting data by a user, and a display device such as a screen are installed. 16) (18) and a cash dispenser (10) consisting of a main control unit (14) including a communication unit (19) for controlling mutual data communication with an internal host computer (20) of a bank and controlling the overall operation of the cash dispenser. The image pickup device 100 is installed on the upper surface of the upper part of the ATM, and captures and outputs an image of the face area of the user, and the color signal and luminance in the image of the face area of the user obtained by the image pickup device 100. A sampling and gain control unit 100 for detecting and sampling a signal and automatically controlling and outputting a gain, and ambient noise from an image signal input from the sampling and gain control unit 100. Filter unit 120 that removes an image and converts the image signal from which the noise is removed to digital image data, and a skin color that extends from the forehead to the chin of the user's face area with the digital image data input from the filter unit 120. The use of the face identification unit 130 and the cash dispenser 10 to determine whether or not to use the cash dispenser 10 by identifying an illegal user or a legitimate user according to the extraction result and the use of the cash dispenser 10 are not allowed or allowed. The voice memory unit 140 stores voice data such as a face position adjusting command and a face attachment removing command, and provides the voice data to the face identification unit 130 and the voice memory unit 130 under the control of the face identification unit 130. And a voice processor 150 for processing the voice data of the voice 140 as an analog voice and outputting the voice data to the speaker 160.

A user identification device of an ATM according to the present invention made as described above will be described in more detail with reference to FIG. 4.

First, when a user inserts a card into the cash dispenser 10 in order to perform a desired operation such as cash or check withdrawal or balance check, the imaging device 100 installed on the front of the cash dispenser 10 is operated. (Step S100) An image of a subject, that is, a face region image of a user (step S101) is provided to the sampling and gain control unit 110, and the captured image of the face region image of the user.

The sampling and gain control unit 110 detects and samples the color signal and the luminance signal from the image image of the face region of the user, which is captured and input by the imaging device 100, and automatically adjusts the sampled image to adjust the filter 120. To provide. The filter unit 120 removes the surrounding noise image from the input image signal, converts it into digital image data, and provides it to the face identification unit 130.

The face identification unit 130 acquires an image of the user's face region converted into digital data from the filter unit 120 (step S102), and determines whether an image of the face region exists from the acquired user's image (step; S103). If there is no face region in step S103, the voice data of the face position adjustment command stored in the voice memory unit 140 is read and provided to the voice processing unit 150, and the voice processing unit 150 identifies the face. The voice data of the face position adjustment command provided by the unit 130 is processed as an analog voice signal to notify the user of the voice to adjust the position of the face through the speaker 160 (step S104).

On the other hand, if the face region of the user is present in the step (S103), the face identification unit 130 extracts the features of the face, that is, extracts the flesh-colored continuous region from the forehead to the chin of the user's face region (step S105). At this time, when the cover, such as a hat, sunglasses, masks, etc. in the user's eyes, nose mouth, etc. concealed by the continuous area of flesh color is not detected, the face identification unit 130 is a facial attachment removal command stored in the voice memory unit 140 The voice data is read and the user is notified of the voice to remove the attachment of the face through the voice processing unit 150 and the speaker 160 (step S106).

Thereafter, when the facial feature is extracted in step S105, it is determined whether to use the cash dispenser 10 (steps S107 and S108). At this time, if the facial position adjustment command and the attachment removal command of the face are notified at least one time by voice through the steps S104 and S106, if any one of the face region and the continuous region of the facial skin color is not extracted, the user is an illegal user. By judging the prohibition of the use of the cash dispenser 10 through the main control unit 14, and notifying the user that the cash dispenser 10 cannot be used through the voice processor 150 and the speaker 160 by voice ( Step S109) End. And when the use permission is determined in the step (S107, S108) is determined to be a legitimate user to look up the order through the cash dispenser 10 to process the order, such as cash / check withdrawal (step S110) is terminated. Here, it is possible to acquire a face image that can be identified after the face image of the user acquired by the imaging device 100, thereby indirectly preventing the use of fraudulent users and to secure the image data that can be arrested afterwards. It is also desirable to install a separate storage medium.

On the other hand, as a comparative example, even if a user hides a surveillance camera so as not to expose his or her face, or covers a face with a hat, sunglasses, or a mask, the ATM is operated as it is. Unlike withdrawing money, the present invention includes an image pickup device for photographing a user's face and a face automatic identification unit for extracting and identifying a user's face feature with an image obtained from the image pickup device, and attaching a face to the user's face. Only when there is no money will you be allowed to use the ATM.

As a result, according to the present invention, there is an advantage in that a cash / check withdrawal by an illegal user can be prevented in advance without distinguishing a legitimate user from an illegal user at the time of cash and check withdrawal without inhibiting the cash withdrawal of the legal user.

In addition, although specific embodiments of the present invention have been described and illustrated above, it is obvious that the present invention may be variously modified and implemented by those skilled in the art.

Such modified embodiments should not be individually understood from the technical spirit or the prospect of the present invention, and such modified embodiments should fall within the appended claims of the present invention.

According to the user identification device and method of the cash dispenser of the present invention, which is clear from the above description, the cash dispenser is provided with a face identification means for imaging the face area of the user and identifying the user with the captured face area of the user. When withdrawing cash and checks, it is possible to more accurately identify legitimate users and fraudsters, thereby preventing cash / check withdrawals by fraudulent users without prejudice to withdraw cash from legitimate users.

Claims (4)

(1) an image pickup device that is installed in place of an ATM machine and captures a face area of a user; (2) a sampling and gain control unit for detecting and sampling a color signal and a luminance signal from an image of a face region of the user captured by the imaging device and controlling gain; (3) a filter unit for filtering the image signal obtained by the sampling and gain control unit and outputting the digital image data; (4) Face identification for extracting continuity of flesh color corresponding to user's face color using digital image data obtained from the filter unit, and identifying illegal user or legitimate user according to the extraction result to determine whether to use cash dispenser part; And (5) a user identification device of an ATM machine, characterized in that it comprises a voice processing unit for notifying the user of the use of the ATM according to the result of the face identification unit through a speaker. The method according to claim 1, And a voice memory unit for storing the voice of the use of the cash dispenser and the permission of use of the cash dispenser in advance and providing the voice to the face identification unit. (1) acquiring an image of the user photographed through the imaging device; (2) searching whether there is an image of a face region from the acquired image of the user; (3) notifying the user by voice of a face position adjustment command if the face region of the user does not exist; (4) determining whether there is a continuity of flesh color corresponding to the color of the face of the user when the face region of the user exists; (5) if the skin color is not continuous, notifying a command to remove an attachment of a face by voice; And (6) a user identification method of an automatic teller machine comprising the step of determining the use of the automatic teller machine when the face area exists and the skin color continuity of the face is extracted. The method according to claim 3, A cash dispenser, which notifies the user that the cash dispenser cannot be used when there is no continuity of the face area and the skin coloration in the state in which the face position adjustment command and the removal of the attachment on the face are notified at least once. How do I identify users?