TWI688877B - Biometric identification transaction system - Google Patents

Abstract

A biometric identification transaction system is provided. The system includes: an automatic teller machine; a main identification component disposed on the automatic teller machine; and a secondary identification component disposed on the automatic teller machine. The main identification component scans a main biometric characteristic of a user and the automatic teller machine searches one or more accounts corresponding to the main biometric characteristic. The automatic teller machine receives an input command to choose a designated account in the one or more accounts. The automatic teller machine receives a transaction request. The secondary identification component scans a secondary biometric characteristic, and the automatic teller machine determines whether the secondary biometric characteristic corresponds to the designated account. If the secondary biometric characteristic corresponds to the designated account, the automatic teller machine grants the transaction request.

Description

Biometric Trading System

This disclosure relates to a biometric transaction system, and in particular to a biometric transaction system that uses biometrics to double confirm transaction security.

At present, the public need to hold a physical financial card to collect cash at the Automatic Teller Machine (ATM), and cooperate with the provision of the chip on the chip financial card for the ATM to read the accounting information, and it must be input by the user. The correct password on the chip must complete the withdrawal. However, the user often forgets the password, the chip is wet, the chip is damaged or even forgets to carry the financial card, and other factors, so that there are regrets that there is an ATM that cannot successfully withdraw cash or purchase foreign currency cash. Therefore, how to reduce the trouble of inputting passwords and reduce the risk of losing and stolen financial cards during transaction is the goal of those skilled in the art.

This disclosure provides a biometric transaction system that uses biometrics to double confirm transaction security.

The present disclosure proposes a biometrics transaction system, including: an ATM; the main identification component is installed on the ATM; and the secondary identification component is installed on the ATM. The main identification component scans the user's main biological characteristics, and the ATM searches for one or more accounts corresponding to the main biological characteristics. The ATM receives input commands to select a selected account among one or more accounts. The ATM receives the transaction request. The secondary identification component scans the user's secondary biological characteristics, and the ATM determines whether the secondary biological characteristics correspond to the selected account. If the secondary biometric corresponds to the selected account, the ATM allows the transaction request.

Based on the above, the disclosed biometric transaction system will first use the main identification components on the ATM to scan the user's main biological characteristics and search for the corresponding one or more accounts, and then provide the user to select from the one or more accounts Selected account. After the user makes a transaction request, the secondary identification component on the ATM can scan the user's secondary biometrics as a password. That is, when the secondary biometric corresponds to the selected account, the ATM can allow the transaction request.

In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the embodiments are specifically described below and described in detail in conjunction with the accompanying drawings.

FIG. 1 is a block diagram of a biometric transaction system according to an embodiment of the disclosure.

Referring to FIG. 1, a biometrics transaction system 100 according to an embodiment of the present disclosure includes an ATM 110, a primary identification component 120, and a secondary identification component 130. The main identification element 120 may be disposed on the ATM 110 and coupled to the ATM 110. The secondary identification element 130 may be disposed on the ATM 110 and coupled to the ATM 110. The primary identification element 120 can scan the user's primary biological characteristics (eg, facial information and live 3D image information) and the secondary identification element 130 can scan the user's secondary biological characteristics (eg, fingerprint information, palm print information, iris information) , Retina information, voiceprint information and finger vein information). The accuracy of identifying the user through the primary identification element 120 is higher than the accuracy of identifying the user through the secondary identification element 130. The main recognition element 120 is, for example, at least one of a face recognition element (for example, an image sensor) and a living body three-dimensional image recognition element (for example, a three-dimensional image sensor). The secondary recognition element 130 is, for example, a fingerprint recognition element (eg, fingerprint sensor), a palmprint recognition element (eg, palmprint sensor), an iris recognition element (eg, iris sensor), a retinal recognition element (eg, retina) Sensor), voiceprint recognition element (eg, microphone), and finger vein recognition element (eg, finger vein sensor).

In one embodiment, the ATM 110 may further include a processor (not shown in the figure). The processor can obtain the user's primary biometrics and secondary biometrics preset data from a remote server via a wired or wireless network and scan with the user's primary biometrics and secondary biometrics before the ATM 110 Compare biometrics. In another embodiment, the preset data of the user's primary and secondary biological characteristics can also be stored or temporarily stored in the storage device of the ATM 110.

When the user goes to the ATM 110 to prepare for a transaction, the main identification component 120 can scan the user's main biological characteristics (for example, facial images), and the ATM 110 searches for one or more accounts corresponding to the main biological characteristics, and Display one or more searched accounts for users to choose. Then, the ATM 110 receives a user input instruction to select a selected account among one or more accounts to conduct a transaction, and the ATM 110 receives a transaction request (for example, a deposit request, a withdrawal request entered by the user through the ATM 110, (Inter-bank transfer request or other transaction request). In order to authorize the user's transaction request, the secondary identification component 130 may scan the user's secondary biometrics, and the ATM 110 determines whether the secondary biometrics (eg, fingerprint) correspond to the selected account. In other words, the user's secondary biometrics can be regarded as a transaction password. If the secondary biometric corresponds to the selected account, the ATM 110 allows the transaction request and executes the transaction request.

In an embodiment, when the match percentage between the main biometrics and the preset main biometrics corresponding to one or more accounts is greater than the threshold (eg, greater than 95%), the ATM 110 uses the main biometrics to Update preset main biological characteristics. In other words, the remote server or the database of the ATM 110 may record the main biometrics of the user's latest transaction successfully passed the scan authentication.

In one embodiment, when the matching percentage of the secondary biometrics and the preset secondary biometrics corresponding to the selected account is greater than the threshold (eg, greater than 95%), the ATM 110 uses the secondary biometrics to update the preset biometrics Be biological. In other words, the remote server or the database of the ATM 110 may record the secondary biometrics of the user who successfully passed the scan authentication in the latest transaction.

In one embodiment, the database of the remote server or the ATM 110 can also record the main biometrics that have successfully passed the scan authentication every time the user transacts, and link these main biometrics with the user's account. Each time the user trades, the ATM 110 can determine the multiple accounts corresponding to the multiple main biometrics in the database that match the main biometrics scanned by the current exchange that are greater than the threshold, and store these accounts in The account with the most repetitions is used as the account of the user of the current transaction. For example, when User A scans the main biometrics, there may be 10 matches between the main biometrics and User A's scans of the main biometrics greater than the threshold, of which 9 main biometrics correspond to User A's Account and another main biometric corresponds to user B's account. Then, the ATM 110 can determine that the current scan should correspond to the user A's account. This can reduce the occurrence of misjudgment.

In summary, the disclosed biometric transaction system will first use the main identification components on the ATM to scan the user's main biological characteristics and search for the corresponding one or more accounts, and then provide the user from the one or more accounts Select the selected account. After the user makes a transaction request, the secondary identification component on the ATM can scan the user's secondary biometrics as a password. That is, when the secondary biometric corresponds to the selected account, the ATM can allow the transaction request. In addition, the disclosed biometric trading system can also update the main biometrics and/or secondary biometrics in the database according to the latest major biometrics and/or secondary biometrics successfully verified by the exchange to record users The latest primary biometric and/or secondary biometric information.

Although this disclosure has been disclosed as above with examples, it is not intended to limit this disclosure. Anyone who has ordinary knowledge in the technical field should make some changes and retouching without departing from the spirit and scope of this disclosure. The scope of protection disclosed in this disclosure shall be subject to the scope defined in the appended patent application.

100: Biometric trading system 110: ATM 120: Main identification components 130: secondary component recognition

FIG. 1 is a block diagram of a biometric transaction system according to an embodiment of the disclosure.

100: Biometric trading system

110: ATM

120: Main identification components

130: secondary component recognition

Claims (10)

A biometrics trading system, including: An automatic teller machine; A main identification component, installed on the ATM; and Once to identify the components, set on the ATM, where The main identification element scans a user's main biometrics, and the ATM searches for one or more accounts corresponding to the main biometrics, The ATM receives an input command to select a selected account among the one or more accounts, The ATM receives a transaction request, The secondary identification component scans the user's primary biometrics, and the ATM determines whether the secondary biometrics correspond to the selected account, If the secondary biometric corresponds to the selected account, the ATM allows the transaction request. The biometrics transaction system as described in item 1 of the patent application scope, wherein the ATM uses when a matching percentage of the main biometrics and a preset main biometrics corresponding to one or more accounts is greater than a threshold The main biological characteristic to update the preset main biological characteristic. The biometrics transaction system as described in item 1 of the patent application scope, wherein the main biometric features include at least one of a face information and a living body 3D image information. The biometrics transaction system as described in item 3 of the patent application scope, wherein the ATM displays multiple options corresponding to facial information and the living body 3D image information, and receives a main biometric selection corresponding to one of these options message. The biometrics transaction system as described in item 3 of the patent application scope, wherein the main identification element includes a face identification element and a living body three-dimensional image identification element. The biometric transaction system as described in item 1 of the patent application scope, wherein the secondary biometrics include at least one of fingerprint information, palmprint information, iris information, retina information, voiceprint information and finger vein information one. The biometrics transaction system as described in item 6 of the patent application scope, wherein the ATM displays multiple options corresponding to a fingerprint information, a palmprint information, an iris information, a retina information, a voiceprint information and a finger vein information And receive a primary biometric selection message corresponding to one of these options. The biometrics transaction system as described in item 6 of the patent application scope, wherein the secondary feature identification element includes a fingerprint identification element, a palmprint identification element, an iris identification element, a retina identification element, a voiceprint identification element and a Finger vein recognition element. The biometric transaction system as described in item 1 of the patent application scope, wherein the transaction request includes a deposit request, a withdrawal request and an inter-bank transfer request. The biometrics transaction system as described in item 1 of the patent application scope, wherein when a matching percentage of the secondary biometrics and a preset secondary biometrics corresponding to the selected account is greater than a threshold, the ATM uses the The secondary biometrics are used to update the preset secondary biometrics.

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