TWI287206B - Safe trading system of automatic teller machine (ATM) with integration of multimedia information - Google Patents

Abstract

The present invention is related to a safe trading system of automatic teller machine (ATM) with the integration of multimedia information. The invention contains a safe trading processing system, a multimedia information processing system, a personnel information database, at least one set of multimedia information terminal equipment, at least one set of ATM, and at least one set of multimedia information accessing system. The present invention mainly proposes a commercial safe trading system with the combination of multimedia technique, and is applied on the financial trading behavior of a conventional ATM so as to build up an actively protected safe trade environment. In addition, the present invention further proposes a commercial safe trading method that combines with multimedia verification technique and is concretely realized by using one computer program product stored in the computer accessible storage media. Furthermore, each main component is connected through the communication network so as to establish a real time safe trading environment.

Description

1287206

V. INSTRUCTIONS (1) The security of the automatic teller machine with multimedia information is in the use of multimedia technology in the automatic teller machine [Technical Field] The present invention is a whole transaction system, especially in the authentication mechanism for the transaction behavior [previous technology] 】 Currently known from the terminal (end~user) Yu Xiong, code, or limit each protection mechanism. When using their passwords, they are not able to resist the gangsters, etc.; and when the user can't know immediately, the amount of the transaction or the master's transaction amount is in vain, which can not effectively curb the cash machine for financial 曰 or every The author's terminal is thinking about the shackles of the person's personal financial security. Financial transactions, financial crimes, security transactions, transactions before the transaction, the metal certification, the financial crime deposits are being produced, the serious mechanism is more behavioral. The embarrassing mechanism is to enter only the amount already, which belongs to the medium, such as when the security act, such as the loss of the stolen collar. In addition, it can only cure the transaction and the transaction, prevent the user from pre-setting the negative financial card, and the full trading mechanism to steal the deposit. At the same time, it often limits the increase in the cost of each standard. SUMMARY OF THE INVENTION In view of this, the present invention is a secure transaction system for integrating multimedia browsers, which comprises an automatic cabinet media information processing system, a personnel information management system, and a multi-information terminal device, at least A group of automatic cabinet group multimedia information retrieval system... This personnel information database? Department two to:

1287206 V. INSTRUCTIONS (2) The user's physical system is based on the media information of the personnel and transmitted to the user for further processing, in order to engage the user with the gold > The security generates the full transaction processing pen finance by receiving or transmitting the multimedia automatic teller machine, forcing the criminal behavior, and using the message, and the transaction status and the secure transaction of the hardware cost, retrieval, search and technology. The transaction information terminal is mainly designed as a system. The application of the full authentication mechanism, the piracy, the blasting of the entire environment, the communication network, the information terminal, the humanization, and the financial information of the personnel and the financial information can be used. The multimedia data processing system message is installed in the system of the financial institution terminal, and the behavior, preparation, and use of the system are proposed. The delivery transaction device of the present invention learns that the system is easy to use, and the software, hardware, sound, etc.

The multimedia information or the external control command is used; the user access, search or multimedia identity of the user in the multi-media database is used to retrieve the identity of the user. The multi-person information database storage or the multimedia information processing; the automatic teller machine, comprising an interactive one authentication medium to initiate a financial transaction, for a final transaction or a user terminal and another use transaction transaction Platform; the security transaction judgment rule to monitor the authentication action; the multimedia device for sending multimedia materials. In the commercial security transaction financial transaction behavior of this certification technology, it is difficult for Antu to use the ATM to construct a positive protection computer network, telecommunication network or instant confirmation of the individual's own multimedia to construct information. Environment. There are not too many custom automatic cabinets added. Only the multimedia authentication information is added to the security authentication mechanism. In other words, just in the database Η page 6 1287206 V. Description of invention (3)

Multimedia data, and the age of the A full-scale, so that the social integration of the degree, can greatly increase the security of the transaction ^ need to adapt to the new mode of use, so that the cost and resistance of the introduction are relatively reduced. 'Sliding six counties mt' This invention is an active type of automatic teller machine financial father easy to protect the edge, no need to increase the cost of construction management - the security of financial transactions greatly increased" The technology delivers Beixun to computers, mobile phones, personal digital assistants or other media access desks, etc., to achieve an informational, user-friendly and all-transaction environment. The case of Zhuang Zhi’s case can be illustrated by the following illustration and detailed description. , a more in-depth understanding of 0. [Implementation] . ^ The first figure shows a secure transaction system for automatic caller integration of multimedia information, the main components of which include a secure transaction processing system i 〇i 夕 media寅 处理 processing system; [〇 2, a personnel information database 1 〇 3, a set of multimedia information terminal equipment 1 〇 4, a group of ATMs 1 〇 5 and a set of multimedia information retrieval system 1 〇 6. As shown in the second figure, the present invention may further comprise more than one set of multimedia information terminal devices 1-4, one or more automatic teller machines 〇5 and one or more multimedia information capture systems 丨〇6, Different from this, the automatic generalizing machine simultaneously uses the present invention to conduct financial transactions. At the same time, the main components of the present invention can be linked to each other by using various communication networks 丨〇7 and 1 〇8, and the materials are transmitted and constructed. An informational, user-friendly and instant safety

Page 7 l2872〇6

Fifth, the invention description i easy environment. User i 1 The personnel information database 103 is used to store at least the information of the multimedia information or the transaction record; the multimedia information processing / is used by the person to accept / control commands Searching or comparing the multimedia information of the user identity in the corruption database of the Department of Education; the data collection system of the 誃 撷 1 system is used to capture the identity of the user, the multimedia eve system, 隹j hai The personnel asset database storage or the multimedia information processing is processed in one step; the automatic teller machine 105, which comprises Fusei, is to start a financial transaction with a certification medium, and the organization interacts with a user. The terminal of the PI ^ = two $ terminal or a user terminal and another user is 平台 θ engaged in the far-financial trading behavior of the platform, the interactive information device can be used to make eight or other messages that can be sent The user terminal generates mutual authentication; the secure transaction processing system 101 uses the preset security exchange verification to monitor the behavior of the financial transaction, and generates corresponding multimedia talents. News The end device 104 is used to receive or transmit the _ _, 付 δ δ, the communication network 1 0 7 and 1 0 8 can be a computer network, main ^,, 祠 or wireless communication network and other communication networks Technology is used to maneuver components and deliver trading messages. And, further, further supplementing the description, wherein the multimedia information of the identity of a user of the stored information of the personnel information database 丨〇3 includes the name, age, sub-3 physical certificate nickname, network mode, deposit account number, appointment Transfer account, body traits, weights, images, sounds, etc., or other necessary information. The certification medium can be a financial card, a credit card, a mobile phone, a computer, a personal digital assistant or an authentication medium using other authentication technologies.

Page 8 1287206

^ 一发礒自动机机1 0 5 initiates a financial transaction, which contains - private domain! 1 storage media contains the identity data of a user terminal, stored ‘=I旎 or other necessary information. In addition, the multimedia information terminal device 04 can be used to receive the secure transaction for the purpose of connecting to a computer network, a telecommunication network or a wireless communication network, a shame, a mobile phone, a personal digital assistant or other multimedia access device. The processing system transmits authentication information or transaction records through a computer network, a telecommunications network, a wireless network, or a wireless communication network; the terminal can further transmit a confirmation message to confirm that the transaction record has succeeded. Furthermore, the multimedia information capture system 可 6 can be a camera, a video camera, a microphone, a keyboard or other multimedia data input device for acquiring and transmitting multimedia data to the multimedia information processing system. The invention further provides a secure transaction method for an automatic gater integrating multimedia information. As shown in the third figure, the method uses a predetermined secure transaction judgment rule to monitor the behavior of the financial transaction and generate a corresponding authentication action. And through the communication network technology to link the main components, to construct an information-based, user-friendly and instant security transaction environment, which includes the following steps: Block 300, starting a financial transaction, is a user terminal through One of the authentication media is connected to any group of ATMs ,5, and a financial transaction is required to be initiated; block 31 0, the user is required to perform authentication, and the message is transmitted by the ATM 1 5 5 to trigger a secure transaction processing. The system 丨0 1 starts the authentication action; the secure transaction processing system 1 触发1 is triggered by the start of a financial transaction to generate a corresponding authentication action according to the preset security transaction judgment rule.

Page 9 1287206

V. The invention description (6); the automatic teller machine 1〇5 includes an interaction of the interactive fish processing system through the automatic teller machine, and the security parent requests the user terminal to pass through - the multimedia information Mei system: t置 Λ : 动 动 动 动 动 动 动 动 动 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 媒体 该 该 该Passing to a multi-t ν 夕 102; ^ 姝 贝 贝 处理 processing block 320, transmitting multimedia format authentication data to the multi-media terminal device' is issued by the secure transaction processing system 101, the multimedia command processing The system 102 transmits the authentication information of the multimedia format to the computer through the computer (network, f-mail network; I-line communication network to correspond to: - the user terminal belongs to one of the multimedia information ends:::10: diamond 330, whether the user terminal abandons the transaction, and the user terminal corresponding to the authentication medium can actively pass the authentication information of the multimedia format after receiving the multimedia information terminal 104 of the user terminal ^ - The full transaction processing system 101 requires that the transaction be unconditional = ^ the transaction before the transaction is completed - ie, block 340; while the financial transaction continues, waiting for the response from the user terminal. Μ ^ Diamond 3 50, comparing multimedia The format authentication data is controlled by the secure six-processing system 101 to control the multimedia information. The data is received by the multimedia information capture system 106, and is searched, retrieved and compared. The multimedia identity of the user identity corresponding to the authentication medium in a personnel information & library 103

1287206 V. Description of the invention (7) The material '5 hai multimedia information processing system 1 〇 2 judges the result of the comparison as conforming or non-conforming, and transmits the message of the comparison result to the secure transaction processing system 1〇1; If the authentication information transmitted by the multimedia information capture system 106 in the multimedia format is a password, an image, a sound, or a physical feature, the multimedia information processing system 102 searches, retrieves, and compares the information in the personnel information database. The password, image, sound or physical characteristics of the multimedia material corresponding to the identity of the user of the authentication medium; when the financial transaction is a transfer, 'a user terminal corresponding to the authentication medium, the person to whom it belongs In the multimedia data of the user identity in the information database 1 〇 3: 2 account account list contains at least one deposit account and the user information of the other user terminal after the comparison I: paper transfer object belongs to Data * When the deposit account number in the multimedia information of the user identity is used, the security pl, =101 needs to give up the transaction unconditionally. If it is ato ^ ^ 340 according to the above, otherwise the transaction is completed, that is, block 3 60. Block 370, transmitting a total of a security transaction processing "Ηπί ^ = 2 body information terminal device", the system 102 stores the continuous pen to the county output control command to control the multimedia information office corresponding to the authentication medium of the county 5 has been recorded in the The personnel information database 1〇3 and the road or wireless communication network pass the ^^录' and the transaction records of the user terminal corresponding to the computer network and the telecommunication network can be further transmitted back to the user terminal corresponding to the authentication medium; The media information terminal device 104; the transaction transaction. The confirmation message confirms that the transaction record has been used for another purpose of the invention, and is stored in a computer-accessible storage.

Page 11 1287206 The automatic programming of the brain program can be known from the Internet. It can be used for visual effects, and the functions of the human beings, and the products of such original range are safe for the multi-skills of the teller machine. Before the transaction of the present invention, it is soft and hard, and it is transparent and versatile. Therefore, the spirit and the fifth, the invention description (8) the comparison of one of the media's multimedia information materials, and through the communication and the comparison of the above, the extremely protective work constructs the information to explain the specifics of the present invention. The implementation does not deviate from the following application specific body to achieve the main components, such as the security trading party media signal office. Each of the main component body technologies is specifically implemented for the purpose of the instantness of the network technology, and the integrated method shown in the three figures of the present invention is completed by the towel multimedia technology. Informatization, people, including the realization of multimedia data, play the main components of the production chain, the whole trading territory. Equivalent changes are made based on the examples of the present invention, and the scope of the benefits includes coverage changes.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic view of the present invention; FIG. 2 is a schematic diagram of a multi-group automatic teller machine and a multimedia information terminal device according to the present invention; Flowchart; [Main component symbol description] 1 0 1 secure transaction processing system 102 multimedia information processing system 1 0 3 personnel information database 104 multimedia information terminal equipment 1 0 5 automatic teller machine 1 0 6 multimedia information retrieval system 1 0 7 1 0 8 communication network 300 blocks, start a financial transaction 3 1 0 block 3 2 0 block prepare 330 diamond shape ^ 40 block 3 5 0 diamond shape 3 6 0 block 370 block requires the user to authenticate the transmission of multimedia format authentication data to multimedia The information terminal sets whether the user terminal abandons the transaction to abandon the transaction and compares the multimedia format authentication data to complete the transaction delivery transaction record to the multimedia information terminal device.

Page 13

Claims (1)

1287206 f/year 曰A Β^ί% -ES__94l2l〇67 Amendment 6. Patent scope 1 · An integrated multi-container security trading system containing two...Bai Xun's ATM, one person's information database, media materials or The transaction record stores at least one user identity. The multimedia information processing ^ ^ search or comparison is stored in the person's internal control command for accessing, media data; and the user identity in the shellfish database At least one set of multimedia secondary multimedia data is transmitted and transmitted: :m ί is used to capture the identity of the user's identity processing system to make a report to the shell storage or the multimedia resource at least - group of ATMs π certification medium start - pen;: ^s = interactive message device, is between the end of a user or a user's financial institution and a user's final communication platform" and engaged with another user terminal The financial use the default rules of secure transaction judgment to monitor at least the group of media;;; end = raw:: the authentication action; the device of the data. * &, to receive or transmit multimedia 2 Affirmation of patent The integration mentioned in the third item is owed to the "secure trading system of the employee machine, in which the person ^ 矾 自动 自动 使用者 使用者 使用者 使用者 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 八 & & & & & , contact information, deposit account number, :: household gender, identity, password, video, voice, etc. , account, body, integrated multimedia information, automatic cabinet Page 14 1287206 _ Case No. 9419Ί067 VI. Application for Patent Scope—^——Check the positive __ Employee's secure trading system, where the authentication medium can be financial card, credit card, mobile phone, computer, personal digital assistant Or the authentication medium using other authentication technologies is used to trigger the automatic teller machine to initiate a financial transaction, and a storage medium contained therein contains the identity information and deposit account number of a user terminal. ^ The secure transaction system for an automated cabinet-to-person machine integrated with multimedia information as described in claim 1, wherein the multimedia information processing system is controlled by the control command transmitted by the female Yufu easy processing system to generate access Searching or comparing the actions corresponding to the multimedia information of the user identity corresponding to the authentication medium stored in the personnel information database, and having at least one " and returning the value back to the secure transaction Processing system. 5 2. For example, the secure transaction system of the automatic cabinet and the employee machine integrated with the multimedia information described in the first paragraph of the patent application, wherein the multimedia information retrieval system can be a camera-camera, a camera, a microphone, a keyboard or other multimedia data input device. ' is used to capture and deliver multimedia materials to the multimedia information processing system. 2. The automatic cabinet for integrating multimedia information mentioned in the first paragraph of the patent scope: the Queen of Money, the father of the money, wherein the multimedia information retrieval system can be combined with the automatic teller machine and cooperate with the authentication medium to complete a user terminal. Certification action. 2. For example, the secure transaction system of the automatic two-machine integrated multimedia information described in claim 1 of the patent scope, wherein the automatic teller machine is terminated by a user using the authentication medium to which the user belongs, and supplemented by a financial transaction. In the evening, the media information retrieval system allows the user terminal to complete the secure transaction processing system. Case No. 94121 He 7 1287206 曰 VI. Application for Patent Scope * t The certification action set by the system. '8·If the patent application scope is 1st Jg + ^^ Α A # M g ^ ^ j or the 7th item of the integrated multimedia information, the self-f can be a system, and the automatic MM machine The interaction device ^ interactive device K or other device and the user's final 9| = I second item 1 integrated multimedia information automatic cabinet: = father easy system, the security transaction processing system, the system Triggered by the beginning of a financial father, 舻 凡 溶 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 〜 Authenticating and controlling the multimedia information processing system to receive the multimedia, the authentication data in the multimedia format transmitted by the information retrieval system and the access, search or comparison stored in the personnel information database corresponding to the authentication medium The multimedia information of the user identity, and then ^^ command to indicate whether the ATM completes the transaction; in addition, the control command instructs the multimedia information processing system to store the transaction record and the notification and the recognition Medium corresponding to one user terminal relevant information about the financial transactions of the pen. 1 0. The secure transaction system of an automated teller machine integrated with multimedia information as described in claim 1, wherein the multimedia information terminal device can be a computer capable of connecting a computer network, a telecommunication network or a wireless communication network, and acting A telephone, personal digital assistant or other multimedia access device is used to receive authentication information or transaction records transmitted by the secure transaction processing system via a computer network, a telecommunications network or a wireless communication network; the user terminal can further transmit back A confirmation message confirms that the parent Yi San has recorded a successful father. Page 16 1287206 ___Case No. 94121067 VI. Application for Patent Scope 1 1 · A secure transaction method for automated teller machines that integrates multimedia information. It uses a predetermined secure transaction judgment rule to monitor the financial transactions and generate corresponding authentication actions. And the method comprises the following steps: (a) - the user terminal connects to any group of self-describing machines via the associated authentication medium to request a financial transaction to be initiated; (b) the ATM transmits a message trigger A secure transaction processing system initiates an authentication action; and/or two (c) the secure transaction processing system triggers a predetermined female parental judgment rule by a start of a financial transaction to generate a corresponding authentication action; (d) The automatic teller machine includes an interactive message device, and the secure communication system transmits the message through the interactive message device of the automatic teller machine. 'The user terminal performs authentication through a multimedia information acquisition system. (e) the multimedia information is picked up.糸 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 撷 用 用 用 用 用 用 用 用 用 用The authentication data is transmitted to a multimedia information processing system. ^Media (f) The secure transaction processing system issues control commands to control the multimedia processing system to verify the information through the computer network, the telecommunication network or the wireless communication network. And the multimedia information terminal device belonging to the terminal opposite to the authentication medium; the user (g) the security transaction processing system issues a control command to control the multi-processing system to receive the multimedia information retrieval system The multi-information-type authentication data, and search, retrieve and compare the user identity of the user identity corresponding to the authentication medium stored in a ^ physical library:: ι : Department 1287206 Amendment ----- Case No. 94121067 曰 Six, the scope of application for patent (h) The multimedia information processing department is Jiang Yiyi. Compliance, and the result of the comparison = : = Compliance or not J) The secure transaction processing system According to the rational system; handed over the comparison results issued control into the Shanghai _ 2 body shell 5fl processing 糸 system passed the transaction; system 0p 7 heart should not be automated ATM: (j) the security transaction processing system Save the transaction record in the ί人Ξ to confirm the message with the body information to confirm that the transaction record has been securely traded by the teller machine. The gamma/information media material automatically identifies the identity of the user. , j library stored - pick up the empty space 遛 card 遛 Beca contains name, age, peach 2 | 丨 characteristics, secret network, deposit account, agreed transfer account, physical characteristics, grab code, video, sound, etc. Bit. Corpse body 1 3·If you apply for the patent scope 〖2 The safe transaction party of the teller machine, the automatic card used by the media in the sacred day, the mobile phone, the action mine, Yi Qi ♦ The certification medium can be financial card, credit card, mobile phone, computer , personal digital assistant or the authentication medium for your operation, you use the X disc to use other ancestral technology to trigger the ATM to initiate the identity information of the financial transaction; the storage media contains the user-owned Wang Yiyi method, The multimedia information retrieval system passes the Page 18 1287206 Case No. 94121067 Month 6, the scope of application for patents · · . In the multimedia format, if the forensic material is a password, the multimedia information processing system is searched, retrieved and compared and stored in the personnel information database. The password in the multimedia material of the user identity corresponding to the 6& media. In the case of the secure transaction method of the automated teller machine that integrates the multimedia information as described in the application of the patent information, the multimedia information processing system transmits the authentication information of the multimedia format to the image, and the multimedia information processing system searches for And taking out and comparing the multimedia assets of the user identity corresponding to the authentication medium stored in the personnel information database. 1 a 由 丄丨 丄丨 ' ' ' ' ' 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 If the physical information is transmitted, the multimedia information processing system searches, retrieves and compares the user identity corresponding to the authentication medium stored in the personnel information database. Physical characteristics in multimedia materials. 17. For the secure transaction method of the automated teller machine for integrating multimedia information as described in the scope of the patent application, the multimedia information retrieval system transmits the multimedia, and if the format authentication information is sound, the multimedia information system is Searching, extracting and comparing the sounds in the multimedia material stored in the personnel information database corresponding to the user identity of the media. 18. If the automatic message processing method for integrating multimedia information as described in the U of the patent application scope is applied, the multimedia information processing system transmits: ",,,, if the σ fruit is in compliance, the secure transaction processing system issues a control command. The ATM should not be completed. I9·Automatically integrated multimedia information as described in item 11 of the patent application scope 苐19页12872〇6 曰—Revision----- VI. Application for patent scope __ Safety of teller machine $ • The comparison result #伊易方法, the order transmitted by the multimedia information processing system "this = fit" The secure transaction processing system issues a control to the console to abandon the transaction. # I ^ 1 1 ^ ^ ^ ^ ^ ^ t ^ The terminal is in the S-method, the user-style corresponding to the authentication medium Upon receipt of the multimedia message, the Jihai Multimedia Information Terminal Equipment may actively notify the secure transaction processing system of an automated secure transaction method for integrating multimedia information as described in item η of the patent application scope. For a financial institution and a user terminal, the financial account to which it belongs includes withdrawals, deposits, and account balances. -22 乂Automatic integration of multimedia information as described in item u of the patent application scope The security transaction method of the general agent machine, the financial transaction may be a financial transaction behavior in which a user terminal and another user terminal perform financial accounts including their own payment, including payment and payment. u 23·If the secure transaction method of the ATM integrated with multimedia information as described in claim 11 or 22, the financial transaction is a user terminal corresponding to the authentication medium if the transfer is The information in the agreed transfer account list in the multimedia information of the user identity database in the employee information database that contains the at least one deposit account number and the other user terminal that does not have the object to be transferred after the comparison has the information information of the person to which the user belongs. The secure transaction processing system shall unconditionally abandon the transaction when the deposit account number in the multimedia information of the user identity in the library. Page 20 I287206 ~^号94121067_壬January 1·__ ΝApplication scope · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · Method, if the financial transaction is a payment, if the user terminal corresponding to the authentication medium belongs to the agreed transfer account list in the multimedia material of the user identity in the personnel information database The at least one deposit account and the deposit account number in the multimedia data of the user identity in the user information database to which the other user terminal of the object to be transferred belongs after the comparison, the security transaction and processing system according to the The comparison result delivered by the multimedia information processing system issues a control command to indicate whether the ATM completes the transaction. 2 5. A computer program product stored in a computer-accessible storage medium and configured to perform a method for processing a secure transaction of an automated teller machine that integrates multimedia information. Moreover, the steps of the method include: \a) A user terminal connects to any group of ATMs through one of the authentication media, and requests to initiate a financial transaction; (b) the ATM transmits a message to trigger a security The transaction processing system begins the authentication action; (c) the secure transaction processing system triggers a corresponding authentication action based on a preset security transaction judgment rule initiated by a financial transaction; (d) the automated teller machine includes an interactive message The device, the secure transaction processing system sends a message through the interactive message device of the automated teller machine to request the user terminal to perform an authentication operation through a multimedia information retrieval system; '(e) the multimedia negative δίΐ operation system takes the initial At least one of the user terminals of the financial transaction generated by the corresponding authentication action Physique 1287206 __ prime number 94121067 VI. Scope of application for patents. a data, and transmitted to a multimedia information processing system; • (f) the secure transaction processing system issues control commands to control the multimedia processing system through a computer network, a telecommunications network or a wireless communication network. The authentication data is corresponding to the authentication medium - one of the multimedia information terminal devices belonging to the two-way terminal; (g) the secure transaction processing system issues a control command to control the multimedia" - the processing system receives the multimedia information retrieval system Passing more than: the authentication information of the 汛 type, and searching, taking out and comparing the user identity corresponding to the 涊 媒介 存放 , , , , , , , ; ; ; ; ; 朱 朱 朱 朱 朱h) the multimedia vanadium-depleted processing system determines that the result of the comparison is a person's match and transmits the message of the comparison result to the secure transaction processing (i) the ratio of the secure transaction processing system to the multimedia information processing system A control command is issued to the result indicating that the automatic camera is = passing the transaction; and 'the shipment is (j) the secure transaction processing system issues a control command The multimedia system "processing system stores the transaction record in the personnel information database corresponding to the transaction medium, and strictly transmits the transaction record to the authentication through the computer network, the telecommunication network G = wireless communication network The medium corresponds to the multimedia information terminal device to which the user terminal belongs; the user terminal can further return a confirmation message to confirm that the transaction record has been successfully traded. 2 6 · The computer program product as described in item 25 of the patent application, wherein the multimedia information of each user identity stored in the personnel information database includes name, age, gender, ID number, and contact information. Deposit account Page 22 1287206 1287206 ___一案号94121 nf\7 • VI. Patent Application Scope, the multimedia information processing system searches, retrieves and compares the user identity corresponding to the authentication medium stored in the personnel information database. The sound in the multimedia material. 32. The computer program product of claim 25, wherein the comparison result transmitted by the multimedia information processing system is a match, the secure transaction processing system issues a control command to instruct the automated teller machine to complete the pen delivery. easy. 3 3. If the computer program product described in claim 25, the comparison result transmitted by the multimedia information processing system is non-compliant, the secure transaction processing system issues a control command to instruct the automatic employee to give up The transaction is 0 3 4 · The computer program product described in claim 25, the user terminal corresponding to the certification medium receives the multimedia format from the multimedia information terminal device to which the user terminal belongs After the certification data, the security transaction processing system can be notified to request that the transaction be unconditionally abandoned before the transaction is completed. 35. If the computer program product mentioned in claim 25 is applied for, the financial transaction may be a financial transaction performed by a financial institution and a user terminal for a financial account including withdrawal, deposit or inquiry of account balance. . 3j. For the computer program product described in claim 25, the financial transaction may be a financial transaction in which a user terminal and another user terminal perform financial transactions including their respective financial accounts including transfer or payment. 3 J · If the financial transaction described in item 25 or item 5 of the patent application scope is 'the financial transaction, if it is a transfer, one of the corresponding ones of the certification medium 1287206 生月曰_ _ Case No. 9412〗 0ft7 VI. Application for patent scope · User terminal, the user identity in the personnel information database to which it belongs. • The agreed transfer account list in the multimedia data contains at least one deposit account number. And after the comparison, there is no deposit account in the multimedia data of the user identity in the user information database of the other user terminal to which the object to be transferred belongs, the secure transaction processing system needs to give up the transaction unconditionally. 38. If the computer program product of the 25th or 35th patent application scope is applied for, if the financial transaction is a payment, when the user terminal corresponding to the certification medium belongs to the user terminal, the personnel information belongs to The list of agreed transfer accounts in the multimedia information of the user identity in the database contains at least one deposit account number and has not been transferred after comparison. The other user terminal of the image uses the information database of the person to which it belongs. When the deposit account number in the multimedia material of the identity is sent, the secure transaction processing system issues a control command according to the comparison result transmitted by the multimedia information processing system to indicate whether the automatic teller machine completes the transaction. Page 25