CN100578558C

CN100578558C - Transaction processing system

Info

Publication number: CN100578558C
Application number: CN 200710109161
Authority: CN
Inventors: 井户田诚一
Original assignee: Oki Electric Industry Co Ltd
Current assignee: Oki Electric Industry Co Ltd
Priority date: 2006-07-12
Filing date: 2007-06-14
Publication date: 2010-01-06
Anticipated expiration: 2027-06-14
Also published as: CN101105880A; JP2008021074A

Abstract

The invention provides a transaction processing system. In the said transaction processing system, a 2nd host computer registers the organization identification information of a 1st financial institution corresponding to a 1st account and a 2nd account. When the organization identification information and the 1st account number read from a 1st transaction processing card is identical with registered information of a 2nd account number read from a 2nd transaction processing card, an enabling signal which shows permission of the transaction processing based on this 1st account number is generated and sent to an automatic transaction device. The said automatic transaction device obtains a 2nd biological information and sends the information to the 2nd transaction processing card and the 2nd transaction processing card performs check treatment of the 2nd biological information received from the automatic transaction device and the 2nd biological information stored in advance. When the check result shows the same, the automatic transaction device performs transaction processing between the automatic transaction device and a 1st host computer.

Description

Transaction processing system

Technical field

The present invention relates to a kind of transaction processing system, can utilize the automatic trading apparatus of the financial institution of the arbitrary account among a plurality of accounts that hold corresponding to the client, reliably other each accounts are carried out the transaction processing that adopts living body authentication.

Background technology

Transaction processing system for example by the automatic trading apparatus in the shop that is arranged on the A of financial institution, be connected the host computer of the A of financial institution on this automatic trading apparatus and constitute with host computer that the A of financial institution has signed the B of financial institution of collaboration service agreement.Utilize this transaction processing system, the client can insert automatic trading apparatus with the cash card of the A of financial institution, the client is carried out various transaction processing the account of the A of financial institution, and the cash card of the B of financial institution can be inserted automatic trading apparatus, the client is carried out various transaction processing the account of the B of financial institution.

In above-mentioned transaction processing system, occur a lot of uses in recent years and forge the queasy transaction of card etc. and handle, become problem.For example, if forged the password that the adulterator of cash card has obtained client's account wrongly, then this adulterator can draw deposits etc. from this account easily, produces very big infringement.

For the execution that prevents that this queasy transaction from handling, each financial institution imports the security that living body authentication is strengthened transaction processing, this living body authentication utilizes the intrinsic biological informations of client such as palm vein information of vein pattern of finger vena information, the expression palm of the vein pattern of fingerprint and iris, expression finger, carries out authenticate himself.

When adopting above-mentioned living body authentication, the window that the client need come financial institution is registered the biological information of self in advance.Window place in financial institution is provided with the calling mechanism with biological information acquisition unit.For example, when the biological information that is used for living body authentication was finger vena information, the biological information acquisition unit was obtained the image information of the vein pattern that comprises finger at first to client's finger transmits infrared and photography.And the biological information acquisition unit utilizes preordering method that the image information of being obtained is carried out Flame Image Process, extracts the characteristic information of the vein pattern of finger, obtains finger vena information.

Above-mentioned biological information acquisition unit obtain the client biological information, be finger vena information after, calling mechanism is stored in the finger vena information obtained in client's the cash card as the registration biological information.In this cash card, also store client's account's account number, and have the portion of checking that uses of collation process that carries out based on the registration biological information.And the client can utilize this cash card, in the automatic trading apparatus corresponding to living body authentication in being located at the shop of this financial institution, carries out the transaction processing that has adopted living body authentication.

For example, when utilizing above-mentioned cash card to withdraw the money to handle, after the user inserts the card insert opening of automatic trading apparatus with cash card, automatic trading apparatus by the biological information acquisition unit obtain this user biological information, be finger vena information.Then, the finger vena information of being obtained is sent on the cash card, and the portion of checking that is located at cash card judges whether the registration biological information that is stored in this cash card is consistent with the finger vena information that sends from automatic trading apparatus.When being judged as unanimity by the portion of checking, the user is authenticated to be the client, carries out the processing of withdrawing the money between automatic trading apparatus and the host computer.

But, the biological information that in above-mentioned living body authentication, uses in the past, finger vena information is different because of each financial institution with palm vein information etc., because it is not unified, so in the automatic trading apparatus of the financial institution that only adopts finger vena information, can not use the cash card of the financial institution that adopts palm vein information to carry out transaction processing.

And, even adopt the financial institution of identical biological information, for example finger vena information, the obtain manner of biological information, for example at the image process method of the image of being photographed, current state be because of each financial institution different.Therefore, in the automatic trading apparatus of each financial institution, can carry out cash card, only limit to the cash card of this financial institution based on the transaction processing of living body authentication.

Therefore, for example respectively the client of A of financial institution and B hold account, in the automatic trading apparatus of the A of financial institution, in the time can not withdrawing the money because the account balance of the A of this financial institution is not enough, can not use the withdraw the money processing of this automatic trading apparatus execution, so inconvenient from the account of the B of financial institution.

Therefore, expectation has a kind of transaction processing system, make the account's who holds the financial institution that adopts living body authentication client, can use the automatic trading apparatus of this financial institution, carry out transaction processing at the account of other financial institutions that adopt different living body authentications.

Summary of the invention

The present invention adopts following structure in order to address the above problem.

＜structure 1 〉

The transaction processing system that the present invention relates to comprises: first host computer, and it is located at first account's who offers first biological information that adopts the client first financial institution; Second host computer, it is located at second account's who offers second biological information that adopts the client second financial institution, and is connected with first host computer; Be connected the automatic trading apparatus of second financial institution on this second host computer; First transaction processing card corresponding to first account; With second transaction processing card corresponding to second account, described transaction processing system is characterised in that, automatic trading apparatus has: the card reading part, it reads the mechanism's identifying information and first account number of first financial institution from first transaction processing with card, and reads second account number from second transaction processing with card; With the device sending part, it sends mechanism's identifying information, first account number and second account number that is read to second host computer, second host computer has: the second host stores portion, and it is stored mechanism's identifying information and first account number and second account number in advance accordingly; Second main frame retrieval judging part, it is according to second account number and the mechanism's identifying information that receive from automatic trading apparatus, the second host stores portion is retrieved, read the first corresponding account number, judge whether this first account number of reading is consistent with first account number that receives from automatic trading apparatus; The second host signal generating unit, it is being this first account number of reading when consistent with first account number that receives from automatic trading apparatus by second main frame retrieval judgement section judges, and the enabling signal based on the permission of first financial institution's transaction processing of this first account number is represented in generation; With the second main frame sending part, it sends the enabling signal that is generated to automatic trading apparatus, and automatic trading apparatus also has: the device acceptance division that receives enabling signal from second host computer; Obtain the biological information acquisition unit of second biological information; With send the efferent of second biological information obtained to second transaction processing with card, second transaction processing has with jig: the biological information storage part of storing second biological information in advance; With check portion, it carries out second biological information that receives from automatic trading apparatus and is stored in collation process between second biological information the biological information storage part, send checked result to automatic trading apparatus, when automatic trading apparatus is represented unanimity in checked result, between this automatic trading apparatus and first host computer, carry out first financial institution's transaction processing by second host computer.

And, the invention is characterized in, represent that in checked result when inconsistent, automatic trading apparatus stops first financial institution's transaction processing.

In the transaction processing system that the present invention relates to, it is characterized in that, automatic trading apparatus also has makes the client input the input part of first account's password, the device sending part sends to second host computer with the password of being inputed again, the second main frame sending part is again according to mechanism's identifying information, to send to first host computer with first account number from the password that automatic trading apparatus receives, first host computer has: the first host stores portion, and it is stored each account's password and first account number of this account accordingly; First main frame retrieval judging part, it is retrieved the first host stores portion according to first account number that receives from second host computer, reads corresponding password, judges whether this password of reading is consistent with the password that receives from second host computer; The first host signal generating unit, it is being this password of reading when consistent with the password that receives from second host computer by first main frame retrieval judgement section judges, the continuation signal of proceeding of first financial institution's transaction processing is represented in generation; With the first main frame sending part, it sends the continuation signal that is generated to second host computer, the second main frame sending part will send to automatic trading apparatus from the continuation signal that first host computer receives again, automatic trading apparatus is proceeded first financial institution's transaction processing according to the continuation signal that receives from second host computer.

With card, can adopt the IC-card of (Integrated Circuit, the integrated circuit) chip that has IC about first transaction processing.During this situation,, adopt the IC-card reading part that reads processing that carries out at the IC chip about the card reading part.

With card, can adopt IC-card about second transaction processing with IC chip.During this situation,, adopt the IC-card reading part that reads processing that carries out at the IC chip,, adopt the IC-card write section that writes processing that carries out at the IC chip about efferent about the card reading part.

In the transaction processing system that the present invention relates to, first biological information and second biological information utilize dissimilar biological informations to constitute respectively, about biological information, can adopt the finger vena information of the vein pattern of expression finger, the palm vein information of representing the vein pattern of palm, the iris information of expression iris patterns and any information in the finger print information.

And, first biological information and second biological information utilize the biological information of the same type that obtains by means of different to constitute respectively, about biological information, can adopt the finger vena information of the vein pattern of expression finger, the palm vein information of representing the vein pattern of palm, the iris information of expression iris patterns and any information in the finger print information.

＜structure 2 〉

The transaction processing system that the present invention relates to comprises: first host computer, and it is located at first account's who offers first biological information that adopts the client first financial institution; Second host computer, it is located at second account's who offers second biological information that adopts the client second financial institution, and is connected with first host computer; Be connected the automatic trading apparatus of second financial institution on this second host computer; With first transaction processing card corresponding to first account, described transaction processing system is characterised in that automatic trading apparatus has: the biological information acquisition unit of obtaining second biological information; With send the efferent of second biological information obtained to first transaction processing with card, first transaction processing has with jig: the second biological information storage part of storing second biological information in advance; With second check portion, it carries out second biological information that receives from automatic trading apparatus and is stored in collation process between second biological information the second biological information storage part, send checked result to automatic trading apparatus, when automatic trading apparatus is represented unanimity in checked result, between this automatic trading apparatus and first host computer, carry out first financial institution's transaction processing based on first account number by second host computer.

In the transaction processing system that the present invention relates to, it is characterized in that automatic trading apparatus also has: the card reading part, it reads the mechanism's identifying information and first account number of first financial institution from first transaction processing with card; Make the client input the input part of first account's password; With the device sending part, it sends mechanism's identifying information, first account number that is read and the password of being inputed to second host computer, second host computer has the second main frame sending part, this second main frame sending part is according to the mechanism's identifying information from automatic trading apparatus receives, send first account number and the password that receives from automatic trading apparatus to first host computer, first host computer has: the first host stores portion, and it is stored each account's password and first account number of this account accordingly; First main frame retrieval judging part, it is retrieved the first host stores portion according to receiving first account number from second host computer, reads corresponding password, judges whether this password of reading is consistent with the password that receives from second host computer; The first host signal generating unit, it is being this password of reading when consistent with the password that receives from second host computer by first main frame retrieval judgement section judges, the continuation signal of proceeding of transaction processing is represented in generation; With the first main frame sending part, it sends the continuation signal that is generated to second host computer, the second main frame sending part will send to automatic trading apparatus from the continuation signal that first host computer receives again, automatic trading apparatus is proceeded transaction processing according to the continuation signal that receives from second host computer.

With card, can adopt IC-card about first transaction processing with IC chip.During this situation,, adopt the IC-card reading part that reads processing that carries out at the IC chip,, adopt the IC-card write section that writes processing that carries out at the IC chip about efferent about the card reading part.

According to transaction processing system of the present invention, can utilize the automatic trading apparatus of the financial institution that adopts living body authentication, execution is at the account's of other financial institutions that use different living body authentications transaction processing, thus can utilize lower cost to guarantee security, and improve service.

Description of drawings

Fig. 1 is the block scheme of structure of the embodiment 1 of the transaction processing system that the present invention relates to of expression.

Fig. 2 is the key diagram of an example of the structure of expression cooperation part mechanism information storage part.

Fig. 3 is the key diagram of structure of the second host stores portion of expression embodiment 1.

Fig. 4 is the key diagram of structure of the first host stores portion of expression embodiment 1.

Fig. 5 is the block scheme of an example of structure of the register system of expression embodiment 1.

Fig. 6 is the process flow diagram of action of the embodiment 1 of expression register system.

Fig. 7 is the process flow diagram of action of the embodiment 1 of the transaction processing system that the present invention relates to of expression.

Fig. 8 is the block scheme of structure of the embodiment 2 of the transaction processing system that the present invention relates to of expression.

Fig. 9 is the key diagram of structure of the first host stores portion of expression embodiment 2.

Figure 10 is the block scheme of an example of structure of the register system of expression embodiment 2.

Figure 11 is the process flow diagram of action of the embodiment 2 of expression register system.

Figure 12 is the process flow diagram of action of the embodiment 2 of the transaction processing system that the present invention relates to of expression.

Symbol description

10,70 transaction processing systems; 11 automatic trading apparatus; 13,71 second host computers; 15,72 first host computers; 16 second IC-cards; 17,73 first IC-cards.

Embodiment

Below, use accompanying drawing to specify embodiments of the present invention.

[embodiment 1]

The transaction processing system 10 that present embodiment relates to as shown in Figure 1, by constituting: be located at as the automatic trading apparatus 11 in the shop of the financial institution " A " of second financial institution with the lower part; Be connected with this automatic trading apparatus 11 by dedicated line 12, be located at second host computer 13 at the center of financial institution " A "; Be configured in the center of financial institution " B " of having signed conduct first financial institution of collaboration service agreement with financial institution " A ", first host computer 15 that can communicate by letter with second host computer 13 of financial institution " A " by communication line 14; Second IC-card 16 by financial institution " A " distribution as client's cash card; And by first IC-card 17 as client's cash card of financial institution " B " distribution.

By adopting this transaction processing system 10, in the automatic trading apparatus 11 of client in the shop of being located at financial institution " A ", and use by second IC-card 16 of financial institution " A " distribution and first IC-card of issuing by financial institution " B " 17, carry out at the client in various transaction processing such as the account's of financial institution " B " the not deposit and withdraw processing and the processing of transferring accounts.

In addition, in the present embodiment, financial institution " A " adopts the living body authentication of client's finger vena information to handle, and financial institution " B " adopts the living body authentication of client's palm vein information to handle.

Automatic trading apparatus 11 has the apparatus control portion 24 that shows input part 18, interim storage part 19, IC-card read write line 20, finger vena information acquiring section 21, device signal generating unit 22, device Department of Communication Force 23 and control these various pieces as shown in Figure 1.

Show that input part 18 for example utilizes touch-screen to constitute, have show the selection picture make customer selecting and make various pictures such as input picture that the client imports, as the function of display part, and the client is imported and obtain select data and input data etc., as the function of input part.By showing that the data that input part 18 obtains are sent to interim storage part 19 described later.

Interim storage part 19 is interim storages by the storage part of data that show data that input part 18 obtains and read by IC-card read write line 20 described later etc.

IC-card read write line 20 has not shown card insert opening, be used to insert IC-card as cash card, and this IC-card read write line 20 have read from the client's who inserts this card insert opening IC-card various data such as account number, as the function of card reading part, and comprise to this IC-card the data of obtaining by finger vena information acquiring section 21 described later various data write, as the function of card write section.

Finger vena information acquiring section 21 has the function as the biological information acquisition unit, finger transmits infrared and photography to the client, obtain the image information of the vein pattern that comprises finger, utilize preordering method that this image information is carried out Flame Image Process then, extract the characteristic information of the vein pattern of finger, obtain finger vena information.By the finger vena information that finger vena information acquiring section 21 is obtained, the finger vena information that sends to client's second IC-card 16 by IC-card read write line 20 is checked portion 46 (aftermentioned).

Device signal generating unit 22 has the function that generates the various signals that send to second host computer 13.

Device Department of Communication Force 23 has the function as device sending part and device acceptance division, carries out the transmitting-receiving of data between this device Department of Communication Force 23 and second host computer 13 by dedicated line 12.

Second host computer 13 has the second main-machine communication portion 41, cooperation part mechanism information storage part 25, detection unit 26, the second host stores portion 27, second main frame retrieval judging part 28, the second host signal generating unit 29 and controls the second host computer control portion 30 of these various pieces as shown in Figure 1.

The second main-machine communication portion 41 has the function as the second main frame sending part and the second main frame acceptance division, between this second main-machine communication portion 41 and automatic trading apparatus 11, carry out the transmitting-receiving of data by dedicated line 12, and between this second main-machine communication portion 41 and first host computer 15, carry out the transmitting-receiving of data by communication line 14.

Cooperation part mechanism information storage part 25 is being stored the data of relevant cooperation part financial institution, this cooperation part financial institution and financial institution " A " have signed the collaboration service agreement, and carry out based on the transaction processing of acting on behalf of living body authentication described later in the licensed automatic trading apparatus 11 in the shop of being located at this financial institution " A ".

In cooperation part mechanism information storage part 25, as shown in Figure 2, store and be used for identification and signed mechanism's identifying information of each financial institution of collaboration service agreement with financial institution " A ".And, be respectively equipped with classification information project 31 and limit information project 32 corresponding to this mechanism's identifying information.

In classification information project 31, store the classification information of the classification of the biological information of representing that each cooperation part financial institution uses in living body authentication.And, in limit information project 32, store limit information, this limit information representation in the automatic trading apparatus 11 of financial institution " A " by based on the acting on behalf of living body authentication and carry out transaction processing of finger vena information the time, at the limit of this transaction processing.This limit information is for the authentication precision of the living body authentication that is absorbed in each cooperation part financial institution and carries out, set with the difference based on the authentication precision of acting on behalf of living body authentication of the finger vena information of carrying out in financial institution " A ".For example, when the authentication precision of the living body authentication of financial institution " A " is lower than the authentication precision of living body authentication of cooperation part financial institution, the limit information step-down that sets.

For example, in cooperation part mechanism information storage part 25 shown in Figure 2, in classification information project 31 corresponding to cooperation part financial institution " B " with mechanism's identifying information " B ", store " palm vein information ", be illustrated in financial institution " B " and use palm vein information to carry out the living body authentication processing.And, in the limit information project 32 of correspondence, storing " 1000000 ", expression is at the account of financial institution " B ", and the limit when the automatic trading apparatus 11 that utilizes financial institution " A " is carried out transaction processing by acting on behalf of living body authentication is 1,000,000 Yen.

In addition, when being bank in financial institution, the mechanism's identifying information that is stored in the cooperation part mechanism information storage part utilizes Routing Number to constitute.

Whether mechanism's identifying information that detection unit 26 bases receive from automatic trading apparatus 11 by the second main-machine communication portion 41 is stored in the situation the cooperation part mechanism information storage part 25, judges and could carry out based on the transaction processing of acting on behalf of living body authentication the IC-card that inserts automatic trading apparatus 11.

The second host stores portion 27 is storing as the client in second account number of the account's of financial institution " A " account number, and as second account information of second password of password etc.

In the second host stores portion 27, as shown in Figure 3, store as second account number of this client's account's account number with as second password of password etc. at each client.

And, in the second host stores portion 27, be respectively equipped with mechanism's identifying information project 33 and corresponding to the cooperation part account number project 34 of this mechanism's identifying information project 33 corresponding to each client.Registration in advance stores mechanism's identifying information of cooperation part financial institution in mechanism's identifying information project 33, so that can be in the automatic trading apparatus 11 of financial institution " A ", this client's of being located at this cooperation part financial institution account be carried out based on the transaction processing of acting on behalf of living body authentication.And, in the cooperation part account number project 34 of correspondence, store the cooperation part account number in the account's of this cooperation part financial institution account number as the client.

In the second host stores portion 27, also be provided with limit information project 35 corresponding to mechanism's identifying information project 33 and cooperation part account number project 34.In limit information project 35, registration in advance has 11 couples of these clients of the automatic trading apparatus that utilizes financial institution " A " when the account of cooperation part financial institution carries out based on the transaction processing of acting on behalf of living body authentication, at the limit of this transaction processing.

In the second host stores portion 27 shown in Figure 3, corresponding to second account number " 1111111 " and second password " 1111 " of client, store mechanism's identifying information " B ", cooperation part account number " 1234567 " and limit information " 1000000 " in financial institution " A ".That is,, used in the transaction processing of the living body authentication of the automatic trading apparatus 11 of financial institution " A " and can under 1,000,000 Yen of limits, carry out at the account of this client in first account number " 1234567 " of first financial institution " B ".

In addition, the limit information that is stored in the second host stores portion 27 is determined by each cooperation part mechanism, according to the below norm amount of money of the limit information appointment in the limit information project 32 that is stored in cooperation part mechanism information storage part 25, can preestablish by client self or cooperation part financial institution.

The second main frame indexed search judging part 28 has following function: according to second account number that receives from automatic trading apparatus 11 by the second main-machine communication portion 41, retrieve the second host stores portion 27, judge each data received, be mechanism's identifying information and cooperation part account number whether with each data consistent that is stored in the second host stores portion 27.

The second host signal generating unit 29 has to generate and sends to automatic trading apparatus 11 and as the function of the various signals of first host computer 15 of the financial institution " B " of first financial institution.

The second host computer control portion 30 has the function of the above-mentioned each several part 25～29,41 of control.

First host computer 15 has the first main-machine communication portion 36, the first host stores portion 37, first main frame retrieval judging part 38, the first host signal generating unit 39 and controls the first host computer control portion 40 of these various pieces as shown in Figure 1.

The first main-machine communication portion 36 has the function as the first main frame sending part and the first main frame acceptance division, carries out the transmitting-receiving of data between this first main-machine communication portion 36 and second host computer 13 by communication line 14.

The storage of the first host stores portion 37 as the client in first account number of the account's of financial institution " B " account number with as first account informations such as first password of password.

In the first host stores portion 37, as shown in Figure 4, store this client's account's first account number and first password etc. at each client.

In the first host stores portion 37 shown in Figure 4, store as the client in first account number " 1234567 " of the account number of financial institution " B " with as first password " 1234 " of password.

First main frame retrieval judging part 38 has following function: according to first account number that receives by the first main-machine communication portion 36, retrieve the first host stores portion 37, judge first password received whether be stored in the first host stores portion 37 in first password consistent.

The first host signal generating unit 39 has the function of the various signals that generate second host computer 13 that sends to financial institution " A ".

The first host computer control portion 40 has the function of control each part mentioned above 36～39.

Second IC-card 16 is by the cash card of financial institution " A " to client's distribution, as shown in Figure 1, has the second account information storage part 44, finger vena information storage part 45 and finger vena information and checks portion 46.

In the second account information storage part 44, store the mechanism's identifying information " A " that is used to discern the financial institution that has issued second IC-card 16 and client second account number second account informations such as " 1111111 " in this financial institution " A ".

In finger vena information storage part 45, store the finger vena information of obtaining from the vein pattern of client's finger, as registration finger vena information.The registration finger vena information in the finger vena information storage part 45 of being stored in is the window at this financial institution " A ", uses the special-purpose finger vena information acquiring section that calling mechanism had to obtain, and is stored in this second IC-card 16.

Finger vena information is checked the registration finger vena information that the client who is stored in the finger vena information storage part 45 reads in portion 46, carry out this information and the finger vena information that sends from the IC-card read write line 20 of automatic trading apparatus 11 between collation process.After the finger vena information portion of checking carries out collation process, this checked result is sent to automatic trading apparatus 11 sides by IC-card read write line 20.

First IC-card 17 is by the cash card of financial institution " B " to client's distribution, as shown in Figure 1, has the first account information storage part 47, palm vein information storage part 48 and palm vein information and checks portion 49.

In the first account information storage part 47, store the mechanism's identifying information " B " that is used to discern the financial institution that has issued first IC-card 17 and client first account number first account informations such as " 1234567 " in this financial institution " B ".

In palm vein information storage part 48, store the palm vein information of obtaining from the vein pattern of client's palm, as registration palm vein information.The registration palm vein information in the palm vein information storage part 48 of being stored in is the window at this financial institution " B ", uses the special-purpose palm vein information acquiring section that calling mechanism had to obtain, and is stored in this first IC-card 17.

Palm vein information is checked portion 49 and is had following function: the registration palm vein information of reading the client who is stored in the palm vein information storage part 48, carry out this information and send to collation process between the palm vein information of this first IC-card 17, and send checked result.

In order to adopt the structure of above-mentioned transaction processing system 10, in the automatic trading apparatus 11 in the shop of being located at financial institution " A ", the transaction processing at the living body authentication of the clients' accounts of being located at financial institution " B " has been adopted in execution, and the client needs to act on behalf of the application for registration that living body authentication is used at the window of financial institution " A " in advance.

Be provided with the calling mechanism of the special use that is used to register biological information at the window of financial institution " A ", so that the transaction processing that can carry out based on living body authentication at automatic trading apparatus 11.Calling mechanism is connected on second host computer 13 of financial institution " A " by dedicated line, have the finger vena information acquiring section identical, and have and carry out the identical biological information acquisition unit of the employed biological information acquisition unit of living body authentication having signed in the automatic trading apparatus of each financial institution of collaboration service agreement with this financial institution " A " with the finger vena information acquiring section 21 of the automatic trading apparatus 11 of being located at this financial institution " A ".

In the present embodiment, register system 50 is made of the calling mechanism 51 of the window that is arranged on financial institution " A " and second host computer 13 that is connected with this calling mechanism 51 by dedicated line 52 as shown in Figure 5.

Calling mechanism 51 has display part 53, input part 54, IC-card read write line 55, finger vena information acquiring section 56, palm vein information acquiring section 57, signal generating unit 58, calling mechanism Department of Communication Force 59 and controls the calling mechanism control part 60 of these various pieces as shown in Figure 5.

Display part 53 for example utilizes display to constitute, and has the function of demonstration at the checked result of the biological information that obtains from the client etc.

Input part 54 for example utilizes keyboard to constitute, and carries out the input of various data.

IC-card read write line 55 has the function that reads various data such as account number from client's second IC-card 16 and first IC-card 17, and the finger vena information that will obtain by finger vena information acquiring section 56 described later, and the palm vein information obtained by palm vein information acquiring section 57 described later etc. send to the function of corresponding IC-card.

Finger vena information acquiring section 56 has and is located at finger vena information acquiring section 21 identical functions of automatic trading apparatus 11, obtains finger vena information from client's finger.

Palm vein information acquiring section 57 has and the palm vein information acquiring section identical functions as the biological information acquisition unit of being located at the automatic trading apparatus of financial institution " B ", palm transmits infrared and photography to the client, obtain the image information of the vein pattern that comprises this palm, obtain the characteristic information that utilizes preordering method to extract then, as palm vein information from this image information.

Signal generating unit 58 generates the various signals that send to second host computer 13.

Calling mechanism Department of Communication Force 59 has the function that communicates by dedicated line 52 between itself and second host computer 13.

Calling mechanism control part 60 has the function of control each part mentioned above 53～59.

Below, according to process flow diagram shown in Figure 6, the client is described after the window of financial institution " A " is acted on behalf of the application for registration that living body authentication uses, the flow process of the registration process of in register system 50, implementing.

The holder who holds second IC-card 16 and first IC-card 17 is after the window of financial institution " A " is acted on behalf of the application for registration that living body authentication uses, and the bank clerk of window registers the input of usefulness by input part 54.

Then, in IC-card read write line 55, insert first IC-card 17, IC-card read write line 55 from these first IC-card, 17 reading mechanism identifying informations " B " and first account number " 1234567 " (S301), calling mechanism control part 60 control calling mechanism Department of Communication Forces 59 send the mechanism's identifying information (S302) that is read to second host computer 13.

In second host computer 13, the second main-machine communication portion 41 from calling mechanism 51 receiving mechanism identifying informations " B " afterwards, the second host computer control portion 30 makes detection unit 26 whether be stored in situation in the cooperation part mechanism information storage part 25 according to this mechanism's identifying information, judges and could act on behalf of living body authentication (S303).

Be judged to be this mechanism's identifying information when being stored in the cooperation part mechanism information storage part 25, detection unit 26 judges that financial institution " B " is the cooperation part financial institution (S303) that can carry out based on the transaction processing of acting on behalf of living body authentication, and the second host computer control portion 30 makes the second host signal generating unit 29 generate the living body authentication enabling signal that expression can be acted on behalf of living body authentication.And, the second host computer control portion 30 is from classification information project 31 and limit information project 32 corresponding to this mechanism's identifying information " B ", read classification information " palm vein information " and limit information " 1000000 ", send to calling mechanism 51 (S304) by the second main-machine communication portion 41 with the living body authentication enabling signal that is generated.

Be judged to be this mechanism's identifying information when not being stored in the cooperation part mechanism information storage part 25 (S303), the second host signal generating unit 29 generates represents that the living body authentication that cannot act on behalf of living body authentication disapproves signal, and the second main-machine communication portion 41 disapproves signal with this living body authentication and sends to calling mechanism 51.Receive this signal, calling mechanism 51 first IC-card 17 that spues.

In calling mechanism 51, after calling mechanism Department of Communication Force 59 received living body authentication enabling signals, classification information and limit information from second host computer 13, calling mechanism control part 60 shows display part 53 to be used to notify can be acted on behalf of living body authentication and urge and obtain the i.e. picture of " palm vein information " of the classification information that received.

Indication according to the bank clerk who has seen this picture, the holder is placed on palm after the precalculated position of palm vein information acquiring section 57, palm vein information acquiring section 57 is obtained palm vein information from holder's palm, and IC-card read write line 55 sends to first IC-card 17 (S305) to the palm vein information of being obtained as holder's palm vein information.

In first IC-card 17, palm vein information is checked portion 49 after calling mechanism 51 reception holder palm vein information, according to the registration palm vein information that is stored in the palm vein information storage part 48, carry out collation process, with checked result notification enrollment device 51 (S306).

Check portion 49 by palm vein information and receive (S306) after holder's palm vein information checked result consistent with registration palm vein information, calling mechanism control part 60 assert that the holder is the client with first IC-card 17, and makes display part 53 show the picture of this checked result of expression.

When receiving the checked result of holder's palm vein information and registration palm vein information inconsistency (S306), on display part 53, show this checked result, calling mechanism 51 first IC-card 17 that spues.

Then, behind insertion second IC-card 16, IC-card read write line 55 reads registration account number " 1111111 " (S307) from this second IC-card 16 in IC-card read write line 55.

And, indication according to the bank clerk, the holder is placed on finger in the precalculated position of finger vena information acquiring section 56, finger vena information acquiring section 56 is obtained finger vena information from holder's finger, and IC-card read write line 55 sends to second IC-card 16 (S308) to the finger vena information of being obtained as holder's finger vena information.

In second IC-card 16, finger vena information is checked portion 46 after calling mechanism 51 receives holder's finger vena information, according to the registration finger vena information that is stored in the finger vena information storage part 45, carry out collation process, checked result is notified to calling mechanism 51 (S309).

Check portion 46 by finger vena information and receive (S309) after holder's finger vena information checked result consistent with registration finger vena information, calling mechanism control part 60 assert that the holder is the client with second IC-card 16, and assert it is the personage identical, make display part 53 show the picture of this checked result of expression with client with first IC-card 17.

When receiving the checked result of holder's finger vena information and registration finger vena information inconsistency (S309), on display part 53, show this checked result, calling mechanism 51 spue second IC-card 16 and first IC-card 17.

Then, calling mechanism control part 60 makes signal generating unit 58 generate the registration request signal that is used to ask the enrollment proxy authentication.And, second account number " 1111111 " that to obtain from second IC-card 16 by IC-card read write line 55, the mechanism's identifying information " B " that reads from first IC-card 17 and first account number " 1234567 ", the limit information that receives from second host computer 13, with the registration request signal that is generated, send to second host computer 13 (S310) by calling mechanism Department of Communication Force 59.At this moment, the bank clerk is operation inputting part 54 as required, can carry out the correction input at the limit information that is shown in display part 53.But the correction limit of the limit information representation of being revised must be in the limit of the limit information representation that receives from second host computer 13.

In second host computer 13, also after the second main-machine communication portion 41 receives registration request signals, second account number, mechanism's identifying information, first account number and limit information from calling mechanism 51, the second host computer control portion 30 is stored in them respectively in the second host stores portion 27 in mechanism's identifying information project 33 corresponding to this second account number, cooperation part account number project 34, the limit information project 35 (S311).

Then, the second host computer control portion, 30 controls, the second host signal generating unit 29 makes it generate expression and acts on behalf of the completed registration completion signal of registration that living body authentication is used, and registration completion signal is sent to calling mechanism 51 (S312) by the second main-machine communication portion 41.

In calling mechanism 51, after calling mechanism Department of Communication Force 59 receives registration completion signal from second host computer 13, picture is finished in the registration that calling mechanism control part 60 makes display part 53 show that the expression registration is finished, and make IC-card read write line 55 spue second IC-card 16 and first IC-card 17 (S313), act on behalf of the registration process that living body authentication uses and finish.

As mentioned above, the registration client can carry out based on the transaction processing of acting on behalf of living body authentication in the automatic trading apparatus 11 of financial institution " A " in the account's of financial institution " B " account number in second host computer 13 of financial institution " A ".

In addition, the procedure to apply of acting on behalf of living body authentication is not limited thereto.For example, between first host computer 15 of second host computer 13 of financial institution " A " and financial institution " B ", communicate, by relatively judging the various information of being registered, if authentication is same personage for the client, then carry out registration, so that can act on behalf of living body authentication as the cooperation part account number of first account number to second host computer 13.

Below, according to process flow diagram shown in Figure 7, act on behalf of withdrawing the money of living body authentication and be treated to example to have used, the client of first IC-card 17 that first account number " 1234567 " of second IC-card 16 of second account number " 1111111 " of holding financial institution " A " and financial institution " B " is described utilizes the automatic trading apparatus 11 of financial institution " A " to carry out action at the transaction processing system 10 of client when the account's of financial institution " B " the transaction processing.

Client stations is detected by not shown detecting sensor when the front of automatic trading apparatus 11, and detection signal is sent to apparatus control portion 24.After receiving this detection signal, apparatus control portion 24 is implemented the control of each several part.

The at first never illustrated picture storage part of apparatus control portion 24 is read and is used to make the transaction processing of customer selecting transaction processing to select picture, and is presented on the demonstration input part 18 (S101).

In transaction processing was selected picture, behind the selector button of selecting to be used to select to carry out at the account's of the financial institution of cooperation transaction processing, the selection signal of representing this selection was by from showing that input part 18 is sent to apparatus control portion 24.

After apparatus control portion 24 receives this selection signal, make to show that input part 18 shows that not shown cooperation part card inserts picture, so that the client inserts first IC-card (S102) of cooperation part financial institution.

Insert in the picture at the cooperation part card, after the client inserted the card insert opening of IC-card read write lines 20 with first IC-card 17, IC-card read write line 20 from the first account information storage part, the 47 sense station identifying informations " B " of first IC-card 17 and first account number " 1234567 " (S103).The various data of being read are sent to interim storage part 19 and are stored in this.

Then, apparatus control portion 24 makes device Department of Communication Force 23 that this mechanism's identifying information " B " is sent to second host computer 13 (S103) from interim storage part 19 sense station identifying informations " B ".

In second host computer 13, the second main-machine communication portion 41 from automatic trading apparatus 11 receiving mechanism identifying informations " B " afterwards, the second host computer control portion, 30 control detection units 26, make it whether be stored in situation in the cooperation part mechanism information storage part 25, judge whether this financial institution is the cooperation financial institution that can carry out based on the transaction processing of acting on behalf of living body authentication according to this mechanism's identifying information.

This mechanism's identifying information is stored in the cooperation part mechanism information storage part 25, promptly this financial institution is (S104) in the time of can acting on behalf of the cooperation part financial institution of living body authentication being judged to be by detection unit 26, the second host computer control portion 30 makes the second host signal generating unit 29 generate the continuation signal that the expression continuous business is handled, and sends to automatic trading apparatus 11 (S105) by the second main-machine communication portion 41.

Be judged to be this mechanism's identifying information when not being stored in the cooperation part mechanism information storage part 25 (S104), the second host signal generating unit 29 generates the signal that disapproves that expression cannot be carried out transaction processing, and the second main-machine communication portion 41 disapproves signal with this and sends to automatic trading apparatus 11.After receiving this signal, automatic trading apparatus 11 first IC-card 17 that spues.

In automatic trading apparatus 11, device Department of Communication Force 23 receives from second host computer 13 and continues signal, apparatus control portion 24 makes and shows that input part 18 shows that the second not shown card inserts picture then, so that the client inserts second IC-card 16 (S106) of financial institution " A ".

Insert in the picture at second card, the client inserts second IC-card 16 in the card insert opening of IC-card read write lines 20, and IC-card read write line 20 from the second account information storage part, the 44 sense station identifying informations " A " of second IC-card 16 and second account number " 1111111 " (S107).The various data of being read are sent to interim storage part 19 and are stored in this.

Then, apparatus control portion 24 is read each mechanism's identifying information and the corresponding account number that is stored in the interim storage part 19, and device Department of Communication Force 23 sends to second host computer 13 (S107) with these data.

In second host computer 13, the second main-machine communication portion 41 is from automatic trading apparatus 11 receiving mechanism identifying informations " A " and corresponding second account number " 1111111 ", and first account number " 1234567 " of mechanism's identifying information " B " and correspondence, the second host computer control portion, 30 controls, second main frame retrieval judging part 28, make it according to second account number " 1111111 ", retrieve the second host stores portion 27 corresponding to mechanism's identifying information " A ".Second main frame retrieval judging part 28 is corresponding to this second account number, judges whether to store the mechanism's identifying information " B " that receives from automatic trading apparatus 11 and first account number " 1234567 " (S108).

Be judged as (S108) when storing the mechanism's identifying information " B " that receives from automatic trading apparatus 11 and first account number " 1234567 ", the second host computer control portion 30 be judged as can carry out use by the cooperation financial institution " B " distribution first IC-card 17 based on the transaction processing of acting on behalf of living body authentication, the second host signal generating unit 29 is generated continue signal, make the second main-machine communication portion 41 should continue signal and send to automatic trading apparatus 11 (S109).

Be judged as when not storing the mechanism's identifying information " B " that receives from automatic trading apparatus 11 and first account number " 1234567 ", the second host signal generating unit 29 generates and disapproves signal, and the second main-machine communication portion 41 disapproves signal with this and sends to automatic trading apparatus 11.And, automatic trading apparatus 11 spue second IC-card 16 and first IC-card 17.

In automatic trading apparatus 11, device Department of Communication Force 23 from second host computer 13 receive continue signals after, apparatus control portion 24 makes and shows that input part 18 shows that the finger vena information of the finger vena information that is used to obtain the client obtains picture (S110).

Obtain the guide that shows on the picture according to finger vena information, when the user is placed on the precalculated position of finger vena information acquiring section 21 with finger, finger vena information acquiring section 21 makes transmits infrared and the user's that photographs finger, obtain the image information of the vein pattern of this finger, then this image information is carried out predetermined picture and handle, obtain user's finger vena information (S111) as the finger vena information of in living body authentication, using.

Then, apparatus control portion 24 sends to user's finger vena information of being obtained second IC-card 16 by the user of financial institution " A " distribution that inserts IC-card read write line 20.

After second IC-card 16 receives user's finger vena information from IC-card read write line 20, finger vena information is checked portion 46 and is read registration finger vena information in the finger vena information storage part 45 that is stored in this second IC-card 16, carries out the collation process (S112) between user's finger vena information and the registration finger vena information.

Being judged as user's finger vena information when consistent with registration finger vena information (S112) checking portion 46 by finger vena information, is that client's judged result sends to apparatus control portion 24 by IC-card read write line 20 with the user.

After receiving this judged result, apparatus control portion 24 makes and shows that input part 18 shows not shown cooperation part password input picture, so that client's input is corresponding to the cooperation part password (S113) of first IC-card 17 of financial institution " B ".

When being judged as user's finger vena information (S113), show the picture of input part 18 these checked result of display notification, IC-card read write line 20 spue second IC-card 16 and first IC-card with registration finger vena information inconsistency.

In cooperation part password input picture, the client is by after showing input part 18 input first passwords " 1234 ", apparatus control portion 24 makes device signal generating unit 22 generate expression and has implemented to act on behalf of the enforcement of living body authentication and act on behalf of the living body authentication signal, by device Department of Communication Force 23 this has been implemented to act on behalf of the living body authentication signal, has sent to second host computer 13 (S114) with the mechanism's identifying information " B " that reads from first IC-card 17, first account number " 1234567 " and first password " 1234 " inputed.

In second host computer 13, after the second main-machine communication portion 41 has implemented to act on behalf of living body authentication signal, mechanism's identifying information, first account number and first password from automatic trading apparatus 11 receptions, 30 controls, the second main-machine communication portion 41 of the second host computer control portion, according to the mechanism's identifying information " B " that is received, mechanism's identifying information " A " of the data that received and this second financial institution is sent to the first corresponding host computer 15 (S115) together.

In first host computer 15, after the first main-machine communication portion 36 has implemented to act on behalf of living body authentication signal, first account number " 1234567 ", first password " 1234 " and mechanism's identifying information " A " from 13 receptions of second host computer, the first host computer control portion, 40 controls, first main frame retrieval judging part 38, make it retrieve the first host stores portion 37 according to first account number that is received, judge corresponding to first password of storage whether with first password that is received consistent (S116).

Be judged as first password corresponding to storage when consistent (S116) with first password that is received, the first host computer control portion, 40 controls, the first host signal generating unit 39, make it generate the continuation signal that the expression continuous business is handled, make the first main-machine communication portion 36 according to the mechanism's identifying information " A " that is received, should continue signal and send to second host computer 13 (S117).

Be judged as first password corresponding to storage with first password that received when inconsistent (S116), the signal that disapproves that generates by first host computer 15 sends to automatic trading apparatus 11 by second host computer 13.Receive this and disapprove after the signal, automatic trading apparatus 11 spue second IC-card 16 and first IC-card 17.

In second host computer 13, after the second main-machine communication portion 41 received the continuation signal from first host computer 15, the second host computer control portion 30 made the second main-machine communication portion 41 send these continuation signals (S118) to automatic trading apparatus 11.

In automatic trading apparatus 11, after device Department of Communication Force 23 receives the continuation signal from second host computer 13, automatic trading apparatus 11 by second host computer 13 between itself and first host computer 15, at the account of first account number " 1234567 " of financial institution " B ", carry out the processing (S119) of withdrawing the money below the represented amount of money of the limit information that receives from second host computer 13.When the not shown cash portion of spuing from automatic trading apparatus 11 spues cash, the receipt of detail that apparatus control portion 24 will have been printed transaction processing with second IC-card 16 and first IC-card 17 from IC-card read write line 20 spue (S120).

As mentioned above, in the automatic trading apparatus in being arranged at the shop of financial institution, by having signed the cash card of the cash card of cooperation part financial institution of collaboration service agreement and this financial institution with this financial institution and having used, can carry out the transaction processing that has adopted at the account's of cooperation part financial institution living body authentication, so the client nearby in the automatic trading apparatus of financial institution since the account Sorry, your ticket has not enough value and can not withdraw the money the time, also can utilize this automatic trading apparatus from the account of cooperation part financial institution, to withdraw the money, so needn't specially go to the automatic trading apparatus of cooperation part financial institution that the place is set, can improve service.

In addition, in the present embodiment, cash card is provided with the registration biological information storage part and the portion of checking that uses based on the collation process of this registration biological information, in this cash card, carry out and client's biological information between collation process, but be not limited thereto.For example, also can the portion of checking be set in automatic trading apparatus, in automatic trading apparatus, carry out the registration biological information that reads from cash card and client's biological information of obtaining from the client between collation process.Equally, also can make host computer have registration biological information storage part and check portion, by host computer carry out with from the collation process between client's biological information of automatic trading apparatus transmission.

And, in the present embodiment, adopted palm vein information about first biological information, adopt finger vena information about second biological information, but also can adopt expression iris information of iris patterns and finger print information etc.And, about first biological information and second biological information, also can adopt identical biological information, under this situation, first biological information and second biological information are by different biological information acquisition units, promptly obtain by different modes.

[embodiment 2]

The transaction processing system 70 that present embodiment relates to as shown in Figure 8, by constituting: be located at the automatic trading apparatus 11 in the shop of financial institution " A " with the lower part; Be connected with this automatic trading apparatus 11 by dedicated line 12, be located at second host computer 71 at the center of financial institution " A "; Be configured in the center of financial institution " B ", first host computer 72 that can communicate by letter with second host computer 71 of financial institution " A " by communication line 14; And by the client's of financial institution " B " distribution first IC-card 73.

By adopting this transaction processing system 70, in the automatic trading apparatus 11 of client in the shop of being located at financial institution " A ", can insert first IC-card 73, carry out the various transaction processing such as processing and account transfer processing of withdrawing the money the account of financial institution " B " at the client by financial institution " B " distribution.

In addition, in the present embodiment, structure and action to identical with embodiment 1 utilize same-sign to represent and omit their explanation.

Automatic trading apparatus 11 has the apparatus control portion 24 that shows input part 18, interim storage part 19, IC-card read write line 20, finger vena information acquiring section 21, device signal generating unit 22, device Department of Communication Force 23 and control these various pieces as shown in Figure 8.

Second host computer 71 has the second main-machine communication portion 41, cooperation part mechanism information storage part 25, detection unit 26, the second host signal generating unit 29 and controls the second host computer control portion 74 of these various pieces as shown in Figure 8.

First host computer 72 has the first main-machine communication portion 36, the first host stores portion 75, first main frame retrieval judging part 76, the first host signal generating unit 39 and controls the first host computer control portion 77 of these various pieces as shown in Figure 8.

The storage of the first host stores portion 75 as the client in first account number of the account's of financial institution " B " account number with as first account informations such as first password of password.

In the first host stores portion 75, as shown in Figure 9, store this client's account's first account number and first password etc. at each client.

And, in the first host stores portion 75, be provided with mechanism's identifying information project 78 and classification information project 79 corresponding to each client.In mechanism's identifying information project 78, store mechanism's identifying information of the financial institution of registration in advance, so that can be in the automatic trading apparatus of other financial institutions, execution has been adopted at the transaction processing of this client's account's living body authentication, promptly based on the transaction processing of acting on behalf of living body authentication, in classification information project 79, store the classification information of the classification of expression biological information, use when this classification information is acted on behalf of living body authentication in the automatic trading apparatus of this financial institution.

In the first host stores portion 75 shown in Figure 9, corresponding to as the client in first account number " 1234567 " of the account number of financial institution " B " with as first password " 1234 " of password, store mechanism's identifying information " A " and classification information " finger vena information ".That is,, can utilize the automatic trading apparatus 11 of financial institution " A " to carry out, and the biological information that uses in this transaction processing is a finger vena information based on the transaction processing of acting on behalf of living body authentication at this client's account.

First IC-card 73 is by the cash card of financial institution " B " to client's distribution, as shown in Figure 8, having the first account information storage part 47, palm vein information storage part 48, palm vein information checks portion 49 and finger vena information storage part 80 and finger vena information and checks portion 81.

In finger vena information storage part 80, store client's finger vena information, as registration finger vena information.

In addition, be stored in the finger vena information storage part 80 registration finger vena information as hereinafter described, when acting on behalf of the registration process that living body authentication uses at the window of financial institution " A ", duplicate the registration finger vena information that is stored in by in the finger vena information storage part 45 of second IC-card 16 of financial institution " A " distribution, and be stored in this first IC-card 73 and obtain.

Finger vena information is checked the registration finger vena information that the client who is stored in the finger vena information storage part 80 reads in portion 81, carry out and the finger vena information that sends from the IC-card read write line 20 of automatic trading apparatus 11 between collation process.After the finger vena information portion of checking carries out collation process, this checked result is sent to automatic trading apparatus 11 sides by IC-card read write line 20

In addition, finger vena information is checked portion 81 and is being carried out above-mentionedly when acting on behalf of the registration process that living body authentication uses, and as hereinafter described, is attached on this first IC-card 73 with finger vena information storage part 80.

By adopting the structure of above-mentioned transaction processing system 70, the client utilizes the automatic trading apparatus 11 that is located at financial institution " A ", execution has been adopted at the client when the transaction processing of the account's of financial institution " B " account certification, and the client needs act on behalf of the application for registration that living body authentication is used at the window of financial institution " A " in advance.

In the present embodiment, register system 90 as shown in figure 10, by constituting: the calling mechanism 91 that is arranged on the window of financial institution " A " with the lower part; Be connected second host computer 71 on this calling mechanism 91 by dedicated line 92; And first host computer 72 that can communicate by letter with this second host computer 71.

Calling mechanism 91 has display part 53, input part 54, IC-card read write line 93, finger vena information acquiring section 56, palm vein information acquiring section 57, signal generating unit 58, calling mechanism Department of Communication Force 59 and controls the calling mechanism control part 94 of these various pieces as shown in figure 10.

IC-card read write line 93 has following function: read various data such as account number from second IC-card 16 and first IC-card 17, and the finger vena information that will obtain by finger vena information acquiring section 56 and palm vein information of obtaining by palm vein information acquiring section 57 etc. send to this IC-card.And IC-card read write line 93 has the appendix 95 of first IC-card, 17 additional finger vena information being checked portion 81 as hereinafter described.

Below, according to process flow diagram shown in Figure 11, the client is described when the window of financial institution " A " is acted on behalf of the application for registration that living body authentication uses, the flow process of the registration process of in register system 90, implementing.

Hold second IC-card 16 shown in Figure 1 and the holder of first IC-card 17, when the window of financial institution " A " was acted on behalf of the application for registration that living body authentication uses, the bank clerk of window registered the input of usefulness by input part 54.

Then, first IC-card 17 is inserted in the IC-card read write line 93, IC-card read write line 93 from these first IC-card, 17 reading mechanism identifying informations " B " and first account number " 1234567 " (S301), calling mechanism control part 94 control calling mechanism Department of Communication Forces 59 make it send the mechanism's identifying information (S302) that is read to second host computer 13.

In second host computer 71, the second main-machine communication portion 41 is behind calling mechanism 91 receiving mechanism identifying informations, and the second host computer control portion 74 makes detection unit 26 judge whether this mechanism's identifying information is stored in the cooperation part mechanism information storage part 25 (S303).

Be judged to be this mechanism's identifying information when being stored in the cooperation part mechanism information storage part 25, detection unit 26 judges that financial institutions " B " are the cooperation part financial institutions (S303) that can carry out based on the transaction processing of acting on behalf of living body authentication, and what the second host computer control portion 74 made that the second host signal generating unit 29 generates that expression can act on behalf of living body authentication acts on behalf of the living body authentication enabling signal.And, classification information " palm vein information " is read by the second host computer control portion 30 from the classification information project 31 corresponding to this mechanism's identifying information " B ", and sends to calling mechanism 91 (S401) with the living body authentication enabling signal of acting on behalf of that is generated by the second main-machine communication portion 41.

Be judged to be this mechanism's identifying information when not being stored in the cooperation part mechanism information storage part 25 (S303), the second host signal generating unit 29 generates expression and cannot act on behalf of the living body authentication of acting on behalf of of living body authentication and disapprove signal, and the second main-machine communication portion 41 acts on behalf of living body authentication with this and disapproves signal and send to calling mechanism 91.After receiving this signal, calling mechanism 91 spues first IC-card 17.

In calling mechanism 91, calling mechanism Department of Communication Force 59 from second host computer 71 receive act on behalf of living body authentication enabling signal and classification information after, calling mechanism control part 94 makes display part 53 display notifications can act on behalf of living body authentication and urge and obtain the i.e. picture of " palm vein information " of the classification information that received.

Indication according to the bank clerk who has seen this picture, the holder is placed on palm in the precalculated position of palm vein information acquiring section 57, palm vein information acquiring section 57 is obtained holder's palm vein information, and IC-card read write line 93 sends to first IC-card 17 (S305) to the palm vein information of being obtained.

In first IC-card 17, palm vein information is checked portion 49 after calling mechanism 91 reception holder palm vein information, according to the registration palm vein information that is stored in the palm vein information storage part 48, carry out collation process, checked result is notified to calling mechanism 91 (S306).

Check portion 49 by palm vein information and receive (S306) after holder's palm vein information checked result consistent with registration palm vein information, calling mechanism control part 94 assert that the holder is the client with first IC-card 17, and makes display part 53 show the picture of this checked result of expression.

Then, behind insertion second IC-card 16, IC-card read write line 93 from these second IC-card, 16 reading mechanism identifying informations " A " (S402) in IC-card read write line 93.

And, indication according to the bank clerk, the holder is placed on the precalculated position of finger vena information acquiring section 56 with finger, and finger vena information acquiring section 56 is obtained holder's finger vena information, and IC-card read write line 93 sends to second IC-card 16 (S308) to the finger vena information of being obtained.

In second IC-card 16, finger vena information is checked portion 46 after calling mechanism 91 receives holder's finger vena information, according to the registration finger vena information that is stored in the finger vena information storage part 45, carry out collation process, checked result is notified to calling mechanism 91 (S309).

Check portion 46 by finger vena information and receive (S309) after holder's finger vena information checked result consistent with registration finger vena information, calling mechanism control part 94 assert that the holder is the client with second IC-card 16, and assert it is the personage identical, make display part 53 show the picture of this checked result of expression with client with first IC-card 17.

Then, calling mechanism control part 94 makes the appendix 95 of IC-card read write line 93 duplicate the finger vena information storage part 45 of second IC-card 16, and the finger vena information storage part that is duplicated is write in first IC-card 17 (S403) as finger vena information storage part 80.In addition, appendix 95 is according to the control of calling mechanism control part 94, is used to implement check portion 81 (S403) at the finger vena information of the collation process of finger vena information to first IC-card 17 is additional.Thus, generate first IC-card 17 shown in Figure 1 and added first IC-card 73 (Fig. 8) that finger vena information storage part 80 and finger vena information are checked portion 81.

Then, calling mechanism control part 94 makes signal generating unit 58 generate the registration request signal that is used to ask the enrollment proxy authentication.And, mechanism's identifying information " A " that will read from second IC-card 16 by IC-card read write line 93, first account number " 1234567 " that reads from first IC-card 17, the classification information " finger vena information " that receives from second host computer 13, with the registration request signal that is generated, send to second host computer 71 (S404) by calling mechanism Department of Communication Force 59.

In second host computer 71, after the second main-machine communication portion 41 received registration request signal, mechanism's identifying information, first account number and classification information from calling mechanism 91, the second host computer control portion 74 made the second main-machine communication portion 41 that these data are sent to first host computer 72 (S405).

In first host computer 72, after the first main-machine communication portion 36 received registration request signals, mechanism's identifying information, first account number and classification information from second host computer 71, the first host computer control portion 77 was stored in mechanism's identifying information and classification information respectively in the first host stores portion 75 corresponding in mechanism's identifying information project 78 of this first account number and the classification information project 79 (S406).

Then, the first host computer control portion, 77 controls, the first host signal generating unit 39 makes it generate the completed registration completion signal of expression registration, and this registration completion signal is sent to second host computer 71 (S407) by the first main-machine communication portion 36.

In second host computer 71, after the second main-machine communication portion 41 received registration completion signal from the first host computer control portion 72, the second host computer control portion 74 sent to calling mechanism 91 (S408) by the second main-machine communication portion 41 with this registration completion signal.

In calling mechanism 91, after calling mechanism Department of Communication Force 59 receives registration completion signal from second host computer 71, picture is finished in the registration that calling mechanism control part 94 makes display part 53 show that the expression registration is finished, and make IC-card read write line 93 spue second IC-card 16 and first IC-card 73 (S313), act on behalf of the registration process that living body authentication uses and finish.

As mentioned above, by to cash card by the client of financial institution " B " distribution, be attached to the finger vena information that the collation process of the finger vena information of using in the automatic trading apparatus 11 of financial institution " A " uses and check portion, and make its storage registration finger vena information, can in the automatic trading apparatus of financial institution " A ", carry out based on the transaction processing of acting on behalf of living body authentication.

Below, with reference to process flow diagram shown in Figure 12, act on behalf of withdrawing the money of living body authentication and be treated to example to have adopted, the client that explanation has the account respectively in financial institution " A " and financial institution " B " utilizes first IC-card 73 by financial institution " B " distribution, the action of the transaction processing system 70 when carrying out the transaction processing at the account of first account number " 1234567 " of financial institution " B " in the automatic trading apparatus 11 of financial institution " A ".

Client stations is when the front of automatic trading apparatus 11, and detection signal is sent to apparatus control portion 24, and apparatus control portion 24 makes and shows that input part 18 shows transaction processing selection picture (S101).

After apparatus control portion 24 receives this selection signal, make to show that input part 18 shows that not shown cooperation part card inserts picture, so that the client inserts first IC-card 73 (S102) of cooperation part financial institution.

Insert in the picture at the cooperation part card, after the client inserted the card insert opening of IC-card read write lines 20 with first IC-card 73, IC-card read write line 20 from the first account information storage part, the 47 sense station identifying informations " B " of first IC-card 73 and first account number " 1234567 " (S201).The various data of being read are sent to interim storage part 19 and are stored in this.

Then, apparatus control portion 24 makes device Department of Communication Force 23 that this mechanism's identifying information " B " and first account number " 1234567 " are sent to second host computer 71 (S201) from the interim storage part 19 sense station identifying information " B " and first account numbers.

In second host computer 71, the second main-machine communication portion 41 from automatic trading apparatus 11 receiving mechanism identifying informations " B " and first account number " 1234567 " afterwards, the second host computer control portion, 74 control detection units 26, make it whether be stored in situation in the cooperation part mechanism information storage part 25, judge and whether can carry out based on the transaction processing of acting on behalf of living body authentication (S104) according to the mechanism's identifying information that is received.

Be judged to be financial institution " B " by detection unit 26 is (S104) in the time of can acting on behalf of the cooperation part financial institution of living body authentication, the second host computer control portion 74 is according to the mechanism's identifying information " B " that is received, by the second main-machine communication portion 41, will send to the first corresponding host computer 72 (S202) from first account number " 1234567 " of automatic trading apparatus 11 receptions and mechanism's identifying information " A " of second host computer 71.

When the mechanism's identifying information that receives being judged to be is not stored in the cooperation part mechanism information storage part 25 (S104), the second host signal generating unit 29 generates the signal that disapproves that expression cannot be carried out transaction processing, and the second main-machine communication portion 41 disapproves signal with this and sends to automatic trading apparatus 11.Receive after this signal automatic trading apparatus 11 first IC-card 73 that spues.

In first host computer 72, after the first main-machine communication portion 36 receives first account number " 1234567 " and mechanism's identifying information " A " from second host computer 71, the first host computer control portion, 77 controls, first main frame retrieval judging part 76, make it retrieve this first account number and store the first host stores portion 75, and, judge whether and in the automatic trading apparatus 11 of this financial institution " A ", to carry out based on the transaction processing of acting on behalf of living body authentication (S203) according to whether storing the situation of mechanism's identifying information of reception to some extent.

Judge by first main frame retrieval judging part 76 store mechanism's identifying information " A ", in the time of promptly can carrying out (S203) based on the transaction processing of acting on behalf of living body authentication, the first host computer control portion, 77 controls, the first host signal generating unit 39, make its generate expression can carry out based on the transaction processing of acting on behalf of living body authentication act on behalf of the living body authentication enabling signal, by the first main-machine communication portion 36 this is acted on behalf of the living body authentication enabling signal and sends to second host computer 71 (S204).

When the mechanism identifying information that is judged as not that storage receives to some extent (S203), generate the living body authentication of acting on behalf of that expression cannot carry out based on the transaction processing of acting on behalf of living body authentication and disapprove signal, send to automatic trading apparatus 11 by second host computer 71.Receive after this acts on behalf of living body authentication and disapprove signal automatic trading apparatus 11 first IC-card 73 that spues.

In second host computer 71, the second main-machine communication portion 41 from first host computer 72 receive act on behalf of the living body authentication enabling signal after, the second host computer control portion 74 makes the second main-machine communication portion 41 that this is acted on behalf of the living body authentication enabling signal and sends to automatic trading apparatus 11 (S205).

In automatic trading apparatus 11, device Department of Communication Force 23 from second host computer 13 receive act on behalf of the living body authentication enabling signal after, apparatus control portion 24 makes and shows that input part 18 shows that the finger vena information of the finger vena information that is used to obtain the client obtains picture (S110).

Obtain the guide that shows on the picture according to finger vena information, the user is placed on finger in the precalculated position of finger vena information acquiring section 21, finger vena information acquiring section 21 makes transmits infrared and the user's that photographs finger, obtain the image information of the vein pattern of this finger, then this image information is carried out predetermined picture and handle, obtain user's finger vena information (S111) as the finger vena information of in acting on behalf of living body authentication, using.

Then, apparatus control portion 24 is user's finger vena information of being obtained, sends to first IC-card 73 by the user of financial institution " B " distribution that inserts IC-card read write line 20.

First IC-card 73 receives user's finger vena information from IC-card read write line 20, finger vena information is checked portion 81 and is read registration finger vena information in the finger vena information storage part 80 that is stored in this first IC-card 73, carries out the collation process (S206) between user's finger vena information and the registration finger vena information.

Judging user's finger vena information and register finger vena information when consistent (S206) checking portion 81 by finger vena information, is that client's judged result sends to apparatus control portion 24 by IC-card read write line 20 with the user.

Receive after this judged result, apparatus control portion 24 makes and shows that input part 18 shows not shown cooperation part password input picture, so that client's input is corresponding to first password (S113) of first IC-card 73 of financial institution " B ".

When being judged as user's finger vena information (S206) with registration finger vena information inconsistency, show that input part 18 shows this checked result, first IC-card 73 is spued from IC-card read write line 20.

In cooperation part password input picture, the client is by after showing input part 18 input first passwords " 1234 ", apparatus control portion 24 makes device signal generating unit 22 generate expression and has implemented to act on behalf of the enforcement of living body authentication and act on behalf of the living body authentication signal, by device Department of Communication Force 23 this has been implemented to act on behalf of the living body authentication signal, has sent to second host computer 71 (S114) with the mechanism's identifying information " B " that reads from first IC-card 73, first account password " 1234567 " and first password " 1234 " inputed.

In second host computer 71, after the second main-machine communication portion 41 has implemented to act on behalf of living body authentication signal, mechanism's identifying information, first account number and first password from automatic trading apparatus 11 receptions, 74 controls, the second main-machine communication portion 41 of the second host computer control portion, according to the mechanism's identifying information " B " that is received, mechanism's identifying information " A " of the data that received and second financial institution is sent to the first corresponding host computer 72 (S115) together.

In first host computer 72, after the first main-machine communication portion 36 has implemented to act on behalf of living body authentication signal, first account number " 1234567 ", first password " 1234 " and mechanism's identifying information " A " from 71 receptions of second host computer, the first host computer control portion, 77 controls, first main frame retrieval judging part 76, make it retrieve the first host stores portion 75 according to first account number that is received, judge corresponding to first password of storage whether with first password that is received consistent (S116).

Be judged as first password corresponding to storage when consistent with first password that is received, the first host computer control portion, 40 controls, the first host signal generating unit 39, make it generate the continuation signal that the expression continuous business is handled, make the first main-machine communication portion 36 according to mechanism's identifying information " A ", should continue signal and send to second host computer 71 (S117).

In second host computer 71, after the second main-machine communication portion 41 received the continuation signal from first host computer 72, the second host computer control portion 74 made the second main-machine communication portion 41 send these continuation signals (S118) to automatic trading apparatus 11.

In automatic trading apparatus 11, after device Department of Communication Force 23 receives the continuation signal from second host computer 71, automatic trading apparatus 11 and second host computer 71 and first host computer 72 between, carry out the processing (S119) of withdrawing the money at the account of first account number " 1234567 " of financial institution " B ".When the not shown portion of withdrawing the money from automatic trading apparatus 11 takes out cash, the receipt of detail that apparatus control portion 24 will have been printed transaction processing with first IC-card 73 from IC-card read write line 20 spue (S206).

As mentioned above, by a plurality of biological informations of storage and in cash card in advance corresponding to the portion of checking of this biological information, can be in the automatic trading apparatus in being arranged at the shop of financial institution, only use the cash card of other financial institutions to carry out the transaction processing that has adopted at the account's corresponding living body authentication with this cash card, so can utilize the transaction processing of automatic trading apparatus execution, further improve service at the account of cooperation part financial institution.

In addition, in the present embodiment, the situation that has the account of financial institution " A " and financial institution " B " with the client respectively is that example is illustrated, but when the client only has the account of financial institution " B ", by in this client's IC-card, being registered in biological information, for example finger vena information of using in the financial institution " A " in advance, still can utilize the automatic trading apparatus in the shop that is arranged on financial institution " A ", implement transaction processing at the account of financial institution " B ".During this situation, need in advance after the window of financial institution " A " or " B " is implemented according to predetermined formality I of client confirmed, the finger vena information acquiring section that utilization is adopted in financial institution " A ", obtain this client's registration finger vena information and be stored in this client's the IC-card, and the additional corresponding finger vena information of this IC-card is checked portion.

Claims

1. transaction processing system, this transaction processing system comprises: first host computer, it is located at first account's who offers first biological information that adopts the client first financial institution; Second host computer, it is located at second account's who offers second biological information that adopts described client second financial institution, and is connected with described first host computer; Be connected the automatic trading apparatus of described second financial institution on this second host computer; First transaction processing card corresponding to described first account; With corresponding to described second account's second transaction processing with card, described transaction processing system is characterised in that,

Described automatic trading apparatus has:

The card reading part, it reads the mechanism's identifying information and first account number of described first financial institution from described first transaction processing with card, and reads second account number from described second transaction processing with card; With

The device sending part, it sends described mechanism identifying information, described first account number and described second account number of described first financial institution that is read to described second host computer,

Described second host computer has:

The second host stores portion, it is stored the described mechanism identifying information of described first financial institution and described first account number and described second account number in advance accordingly;

Second main frame retrieval judging part, it is according to described second account number that receives from described automatic trading apparatus and the described mechanism identifying information of described first financial institution, the described second host stores portion is retrieved, read out in described first account number of corresponding stored in the described second host stores portion, judge whether this first account number of reading is consistent with described first account number that receives from described automatic trading apparatus;

The second host signal generating unit, it is being this first account number of reading when consistent with described first account number that receives from described automatic trading apparatus by described second main frame retrieval judgement section judges, and the enabling signal based on the permission of first financial institution's transaction processing of this first account number is represented in generation; With

The second main frame sending part, it sends the described enabling signal that is generated to described automatic trading apparatus,

Described automatic trading apparatus also has:

Receive the device acceptance division of described enabling signal from described second host computer;

Obtain the biological information acquisition unit of described second biological information; With

Send the efferent of described second biological information obtained to described second transaction processing with card,

Described second transaction processing has with jig:

Store the biological information storage part of second biological information in advance; With

Check portion, it carries out second biological information that receives from described automatic trading apparatus and is stored in collation process between second biological information the described biological information storage part, and checked result is sent to described automatic trading apparatus,

Described automatic trading apparatus

When described checked result is represented unanimity, between described automatic trading apparatus and described first host computer, carry out described first financial institution's transaction processing by described second host computer.

2. transaction processing system according to claim 1 is characterized in that, represents that in described checked result when inconsistent, described automatic trading apparatus stops described first financial institution's transaction processing.

3. transaction processing system according to claim 1 is characterized in that,

Described automatic trading apparatus also has makes described client input the input part of described first account's password,

Described device sending part sends to described second host computer with the described password of being inputed again,

The described second main frame sending part according to the described mechanism identifying information of described first financial institution, will send to described first host computer with described first account number from the described password that described automatic trading apparatus receives again,

Described first host computer has:

The first host stores portion, it is stored each account's password and first account number of this account accordingly;

First main frame retrieval judging part, it is according to first account number that receives from described second host computer, the described first host stores portion is retrieved, read out in the password of described each account of corresponding stored in the described first host stores portion, judge whether this password of reading is consistent with the described password that receives from described second host computer;

The first host signal generating unit, it is being this password of reading when consistent with the described password that receives from described second host computer by described first main frame retrieval judgement section judges, and the continuation signal of proceeding of described first financial institution's transaction processing is represented in generation; With

The first main frame sending part, it sends the described continuation signal that is generated to described second host computer,

The described second main frame sending part will send to described automatic trading apparatus from the described continuation signal that described first host computer receives again,

Described automatic trading apparatus is proceeded described first financial institution's transaction processing according to the described continuation signal that receives from described second host computer.

4. transaction processing system according to claim 1 is characterized in that, described first transaction processing constitutes with the IC-card with IC chip with the Cali, and the utilization of described card reading part is carried out constituting at the IC-card reading part that reads processing of described IC chip.

5. transaction processing system according to claim 1, it is characterized in that, described second transaction processing constitutes with the IC-card with IC chip with the Cali, the utilization of described card reading part is carried out constituting at the IC-card reading part that reads processing of described IC chip, and described efferent utilization is carried out constituting at the IC-card write section that writes processing of described IC chip.

6. transaction processing system, this transaction processing system comprises: first host computer, it is located at first account's who offers first biological information that adopts the client first financial institution; Second host computer, it is located at second account's who offers second biological information that adopts described client second financial institution, and is connected with described first host computer; Be connected the automatic trading apparatus of described second financial institution on this second host computer; With corresponding to described first account's first transaction processing with card, described transaction processing system is characterised in that,

Described automatic trading apparatus has:

Send the efferent of described second biological information obtained to described first transaction processing with card,

Described first transaction processing has with jig:

Store the second biological information storage part of second biological information in advance; With

Second checks portion, and it carries out second biological information that receives from described automatic trading apparatus and is stored in collation process between second biological information the described second biological information storage part, and checked result is sent to described automatic trading apparatus,

Described automatic trading apparatus

When described checked result is represented unanimity, between described automatic trading apparatus and described first host computer, carry out first financial institution's transaction processing based on described first account number by described second host computer.

7. transaction processing system according to claim 6 is characterized in that, represents that in described checked result when inconsistent, described automatic trading apparatus stops described first financial institution's transaction processing.

8. transaction processing system according to claim 6 is characterized in that,

Described automatic trading apparatus also has:

The card reading part, it reads the mechanism's identifying information and first account number of described first financial institution from described first transaction processing with card;

Make described client input the input part of described first account's password; With

The device sending part, it sends described mechanism identifying information, described first account number of described first financial institution that is read and the described password of being inputed to described second host computer,

Described second host computer has the second main frame sending part, this second main frame sending part is according to the described mechanism identifying information from described first financial institution that described automatic trading apparatus receives, send described first account number and the described password that receives from described automatic trading apparatus to described first host computer

Described first host computer has:

First main frame retrieval judging part, it is according to described first account number that receives from described second host computer, the described first host stores portion is retrieved, read out in the password of described each account of corresponding stored in the described first host stores portion, judge whether this password of reading is consistent with the described password that receives from described second host computer;

The first host signal generating unit, it is being this password of reading when consistent with the described password that receives from described second host computer by described first main frame retrieval judgement section judges, generation represents to proceed the continuation signal of transaction processing; With

Described automatic trading apparatus is proceeded described transaction processing according to the described continuation signal that receives from described second host computer.

9. transaction processing system according to claim 6, it is characterized in that, described first transaction processing constitutes with the IC-card with IC chip with the Cali, the utilization of described card reading part is carried out constituting at the IC-card reading part that reads processing of described IC chip, and described efferent utilization is carried out constituting at the IC-card write section that writes processing of described IC chip.

10. according to claim 1 or 6 described transaction processing systems, it is characterized in that, described first biological information and described second biological information utilize dissimilar biological informations to constitute respectively, that is, described first biological information and described second biological information utilize the iris information of the finger vena information of the vein pattern of expression finger, the palm vein information of representing the vein pattern of palm, expression iris patterns and any information in the finger print information to constitute respectively.

11. according to claim 1 or 6 described transaction processing systems, it is characterized in that, described first biological information and described second biological information utilize the biological information of the same type that obtains by means of different to constitute respectively, that is, described first biological information and described second biological information utilize the iris information of the finger vena information of the vein pattern of expression finger, the palm vein information of representing the vein pattern of palm, expression iris patterns and any information in the finger print information to constitute respectively.