CN104756125A - Transaction device, transaction method and transaction system - Google Patents

Transaction device, transaction method and transaction system Download PDF

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Publication number
CN104756125A
CN104756125A CN201380055919.4A CN201380055919A CN104756125A CN 104756125 A CN104756125 A CN 104756125A CN 201380055919 A CN201380055919 A CN 201380055919A CN 104756125 A CN104756125 A CN 104756125A
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CN
China
Prior art keywords
biological information
biological
guide
read
card
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Granted
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CN201380055919.4A
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Chinese (zh)
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CN104756125B (en
Inventor
山崎辰士
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Oki Electric Industry Co Ltd
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Oki Electric Industry Co Ltd
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Publication of CN104756125A publication Critical patent/CN104756125A/en
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Publication of CN104756125B publication Critical patent/CN104756125B/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31User authentication
    • G06F21/32User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31User authentication
    • G06F21/34User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]

Abstract

The purpose of the present invention is to make it possible to indicate to customers, in an easy-to-understand manner, the part of the body required for registration when registering biometric information on a new IC card (medium). The present invention comprises: a biometric information reading and guidance support unit which acquires parts of the body for one or a plurality of registered biometric information from an inserted medium, and displays, on a display unit, a biometric information reading and guidance screen which contains a guidance display unit that displays in a recognizable manner, from all of the acquired parts of the body, parts of the body that have been read off, and parts of the body that have not been read off; a verification unit that performs authentication on the basis of one or a plurality of registered biometric information in the medium and biometric information for customers obtained from the biometric information reading unit; and a biometric information registration unit which, if authentication by means of the authentication unit using one or a plurality of registered biometric information is successful, the one or plurality of biometric information which has been successfully authenticated are registered to a new separate medium.

Description

Transaction system, method of commerce and transaction system
Technical field
The present invention relates to transaction system, method of commerce and transaction system, such as, can apply and carry out the transaction system of my certification of client, method of commerce and transaction system by the contrast of biological information.
Background technology
Such as, in order to improve security, there is the transaction system (with reference to Japanese Unexamined Patent Publication 2006-338444 publication (No. 4755448th, Jap.P.)) carrying out my certification of client according to the contrast of biological information.
In the past, when card is issued, be registered with the biological information of client in IC-card, transaction system, when concluding the business, contrasts the biological information read from IC-card whether consistent with the biological information read from client, allows transaction when biological information is consistent.
Such as, be provided with the valid period of credit in the IC-card of credit function, when valid period expires, cannot credit function be used.Therefore, before valid period expires (such as, before 1 month of valid period etc.), financial institution issues new IC-card and gives client.
But, new IC-card does not register biological information.In the past, when registering biological information on new IC-card, in order to tackle the change (such as in order to maintain the authentication precision of biological information) of time dependent biological information, and need again from Customer Acquisition biological information, and on neocaine, register obtained biological information.In addition, the registration of the biological information of new IC-card is such as carried out at the window etc. of financial institution.
Further, IC-card is registered with the biological information of multiple biological part.Want the biological information registering all biological parts on new IC-card, client needs again to obtain the biological information of all biological parts of registering in existing IC-card.
When again registering in the transaction of biological information in the new IC-card at transaction system in the past, because which biological part client has forgotten sometimes registered, therefore, the picture of all biological parts of registration shows, thus makes client can confirm the biological part registered.
Summary of the invention
The problem that invention will solve
But, when show the method for all biological parts registered on picture, also still can show the biological part that certification completes.Therefore, can produce following situation: client can obtain the biological part completing and again register again, certification can be failed, and trade fair is interrupted.Because transaction is interrupted, and the running time causing making client further in transaction system is elongated.
Further, there is the situation of the reading carrying out repeatedly biological information about identical biological part.In this case, in the method showing all biological parts, can produce following situation: client can use different positions the reading of the 1st time from the reading of the 2nd time, certification can be failed, and trade fair is interrupted.
Therefore, need a kind of transaction system, method of commerce and transaction system, when in the new IC-card (medium) during registration biological information, can to show registration for the understandable mode of client time required biological part.
For solving the means of problem
In order to solve this problem, 1st the present invention is a kind of transaction system, it is concluded the business according to the results of comparison between 1 of registering in media as well or multiple registration biological information and the biological information of client read by biological information reading part, wherein, described transaction system has: (1) biological information reads to guide supports handling part, it obtains the biological part of 1 or multiple registration biological information from inserted medium, and make display part show biological information reading guide picture, described biological information read guide picture contain with can identify in all biological parts of acquisition, the guide display part that the biological part read shows with the mode of the biological part do not read, (2) authentication processing portion, it carries out authentication processing according to described 1 or multiple registration biological information of medium and each biological information of the client obtained from biological information reading part, and (3) biological information register, its when authentication processing portion employ the authentication success of 1 or multiple registration biological information, 1 of authentication success or multiple biological information are registered in other new media.
2nd the present invention is a kind of method of commerce, it is concluded the business according to the results of comparison between 1 of registering in media as well or multiple registration biological information and the biological information of client read by biological information reading part, wherein, described method of commerce has following steps: (1) biological information reads to guide supports treatment step, read to guide by biological information and support that handling part obtains the biological part of 1 or multiple registration biological information from medium, and make display part show biological information reading guide picture, described biological information reads guide picture and contains to identify in obtained all biological parts, the guide display part that the biological part read shows with the mode of the biological part do not read, (2) authentication processing step, carries out authentication processing according to 1 of medium or multiple registration biological information with each biological information of the client obtained from biological information reading part by authentication processing portion, and (3) biological information register step, when authentication processing portion employ the authentication success of 1 or multiple registration biological information, by biological information register, 1 of authentication success or multiple biological information are registered in other new media.
3rd the present invention is a kind of transaction system, it is concluded the business according to the results of comparison between registration in media as well 1 or multiple registration biological information and the biological information of client read by biological information reading part, wherein, described transaction system has: (1) biological information reads to guide supports handling part, it obtains the biological part of 1 or multiple registration biological information from medium, and make display part show biological information reading guide picture, described biological information reads guide picture and contains to identify in obtained all biological parts, the guide display part that the biological part read shows with the mode of the biological part do not read, (2) authentication processing portion, it carries out authentication processing according to 1 of medium or multiple registration biological information with each biological information of the client obtained from biological information reading part, and (3) biological information register, its when authentication processing portion employ the authentication success of 1 or multiple registration biological information, 1 of authentication success or multiple biological information are registered in other new media.
Invention effect
According to the present invention, when in the new IC-card (medium) during registration biological information, can to show registration for the understandable mode of client time required biological part.
Accompanying drawing explanation
Fig. 1 is the cut-away view of the inner structure of the transaction system that embodiment is shown.
Fig. 2 is the appearance assumption diagram of the surface structure of the transaction system that embodiment is shown.
Fig. 3 illustrates that the block diagram of the function of handling part is supported in the biological information registration of embodiment.
Fig. 4 is the process flow diagram of the registration process of the biological information to new IC-card illustrated in the transaction system of embodiment.
Fig. 5 is the process flow diagram of the registration process of the biological information to new IC-card illustrated in the transaction system of embodiment.
Fig. 6 illustrates that the picture figure of an example of picture is selected in the transaction of embodiment.
Fig. 7 is the picture figure of an example of the transaction content confirmation screen that embodiment is shown.
Fig. 8 is the picture figure of an example of the insertion guide picture of the existing IC-card that embodiment is shown.
Fig. 9 illustrates that the biological information of embodiment reads the picture figure guiding the example guiding picture.
Figure 10 is an example of the picture of the authentication success of embodiment.
Figure 11 is that the later biological information of the 2nd time of the identical type that embodiment is shown reads the picture figure guiding the example guiding picture.
Figure 12 is that the biological information of the 2nd kind that embodiment is shown reads the picture figure guiding the example guiding picture.
Figure 13 is the picture figure of an example of the insertion guide picture of the neocaine that embodiment is shown.
Figure 14 is that the biological information of the biological information of the new IC-card illustrated for confirming embodiment reads the picture figure guiding the example guiding picture.
Figure 15 is the biological information of the new IC-card in order to confirm embodiment, and illustrates that the biological information of other biological part reads the picture figure guiding the example guiding picture.
Figure 16 illustrates that the biological information of variant embodiment reads the picture figure guiding the example guiding picture.
Figure 17 is that the biological information of the 2nd kind that variant embodiment is shown reads the picture figure guiding the example guiding picture.
Figure 18 illustrates that the biological information of variant embodiment reads the picture figure guiding the example guiding picture.
Figure 19 is that the biological information of the 2nd kind that variant embodiment is shown reads the picture figure guiding the example guiding picture.
Embodiment
(A) main embodiment
Below, with reference to while accompanying drawing, the embodiment of transaction system of the present invention, method of commerce and transaction system is described in detail.
(A-1) structure of embodiment
Fig. 2 is the appearance assumption diagram of the surface structure of the transaction system that embodiment is shown.In fig. 2, the transaction system 1 of embodiment has biological information reading device 11, operation display part 12, card gateway 13, bankbook gateway 14, bank note gateway 15 and coin gateway 16.
Transaction system 1 is according to the biological information registered in IC-card (hereinafter also referred to as registration biological information) and carry out biological information contrast from the biological information that client reads, and when biological information is consistent, carries out the transaction of being specified by client.Such as, transaction system 1 is equivalent to the automatic trading apparatus etc. such as the ATM (Auto Teller Machine) being arranged on shop, the hotels etc. such as financial institution, station, convenience store.
Biological information reading device 11 reads the biological information of client.Just can widespread use as long as biological information reading device 11 reads biological information.Such as, the vocal cords reading device of the vein pattern reading device that can list the vein pattern reading palm and finger as biological information reading device 11, the face characteristic pattern reading device reading the characteristic pattern of face, the fingerprint reading device reading the fingerprint of client, reading speech and the iris reading device etc. of reading iris.
In this embodiment, assuming that biological information reading device 11 is the situation of vein pattern reading device and is described.Vein pattern reading device as biological information reading device 11 can the various vein pattern read method of widespread use.Such as, can apply as vein pattern read method and irradiate near infrared light to the object such as palm or finger, and obtain the method for the vein pattern that reflection comes.
Operation display part 12 such as show for option dealing kind transaction select picture, represent want to carry out concluding the business and need contrast biological information transaction content confirmation screen, when registering biological information on new IC-card, the confirmation screen etc. of picture, transaction content is guided in the guiding of the method for the insertion representing existing IC-card or new IC-card and the biological information reading client, or is taken into the information that client inputs.Operation display part 12 such as can apply the operation display part of touch panel mode.In addition, in this embodiment, exemplified operation display part 12 is the devices of the touch panel mode that operating portion and display part are integrated.But be not limited thereto, operation display part 12 also can be the structure different in physical property respectively with display part (display etc.) from operating portion (such as numerical key or button etc.).
Card gateway 13 is taken into the IC-card that inserted by client or discharges IC-card.
Bankbook gateway 14 is taken into the bankbook that inserted by client or discharges bankbook.
Bank note gateway 15 is taken into by the bank note of customer devotion or discharges bank note.
Coin gateway 16 is taken into by the coin of customer devotion or discharges coin.
Fig. 1 is the cut-away view of the inner structure of the transaction system that embodiment is shown.Transaction system 1 is such as configured to have circuit arrangement or mechanism part etc., the functional inner structure that transaction system 1 is shown of Fig. 1.
In FIG, transaction system 1 has control part 21, storage part 22, Department of Communication Force 23, operating display frame control part 24, mechanism for card portion 25, bankbook mechanism part 26 and cash mechanism part 27.
Control part 21 is handling part or the device of the allomeric function of responsible transaction system 1.Control part 21 is such as configured to have CPU, ROM, RAM, EEPROM, input/output interface etc., is performed the handling procedure be kept in ROM, and realize the various functions of transaction system 1 by CPU.In FIG, the function treatment completed by control part 21 is shown.
As shown in Figure 1, as the major function of control part 21, have and insert card confirmation unit 211, biological information registration support handling part 212 and transaction processing portion 213.
Insert the validity that card confirmation unit 211 confirms the IC-card inserted.That is, insert card confirmation unit 211 according to the financial institution's identifying information be kept in IC-card (such as, financial institution's code number etc.), be confirmed whether the card into accessible financial institution, confirm whether be registered with biological information in IC-card.
When register biological information in new IC-card, biological information registration supports that the insertion that handling part 212 carries out existing IC-card or new IC-card guides, or in new IC-card, carries out the registration process of biological information by guiding the read step of client's biological information.
Fig. 3 illustrates that the block diagram of the function of handling part 212 is supported in biological information registration.As shown in Figure 3, biological information is registered and is supported that handling part 212 has biological information reading and guides support handling part 31, authentication processing portion 32, neocaine insertion to guide support handling part 33, neocaine confirmation unit 34, neocaine biological information to read guiding support handling part 35 and neocaine authentication processing portion 36.
Biological information reads to guide supports that handling part 31 is supported in the reading of the biological information of 1 or multiple biological part of registering in inserted existing IC-card.Here, in IC-card, be registered with 1 or multiple biological information, be also registered with and represent that each registration biological information is the biological part information of which biological part.
That is, biological information reads the biological part information guiding and support handling part 31 according to registration in inserted IC-card (existing IC-card), and picture is guided in the guiding of display containing each biological part, thus obtains the backboard information of each biological part.
1 of carrying out registering in existing IC-card in authentication processing portion 32 or multiple biological information support contrasting between the client's that the process of handling part 31 is read 1 or multiple biological information with being read by biological information to guide, and judge that whether each biological information is consistent.Authentication processing portion 32 is judged as authentication success when all biological informations are consistent, is judged as authentification failure in the case of inconsistencies.
Here, as the authentication method in authentication processing portion 32, can the various method of widespread use.Such as, following method can be applied: about the biological information of 1 biological part, 32 pairs, authentication processing portion client repeatedly reads, and use the biological information that repeatedly reads from client and make biological information the most suitable, use this optimal biological information to carry out contrasting certification with the registration biological information of existing IC-card.
When based on authentication success with the biological information read from client of 1 of existing IC-card or multiple registration biological information, neocaine inserts the insertion guiding support handling part 33 to guide new IC-card.
When inserting new IC-card, neocaine confirmation unit 34 confirms the validity of the new IC-card inserted.Such as, neocaine confirmation unit 34 according to the financial institution's identifying information be kept in new IC-card (such as, financial institution's code number etc.), be confirmed whether for accessible financial institution card, confirm whether be registered with biological information in IC-card.
Further, in the effective situation of new IC-card, neocaine confirmation unit 34 writes 1 or multiple biological information reading from client in new IC-card.Now, neocaine confirmation unit 34 also writes each biological part information of 1 or multiple biological information in new IC-card.
Neocaine biological information reads to guide supports that handling part 35 is supported in the reading of the biological information at each biological part of 1 or the multiple biological information write in new IC-card.
1 of carrying out writing in new IC-card in neocaine authentication processing portion 36 or multiple biological information with read 1 of supporting handling part 35 to read or the whether consistent contrast of multiple biological information by neocaine biological information.
Transaction processing portion 213 carries out the transaction processing of being undertaken by transaction system 1.The transaction processing that transaction processing portion 213 carries out can list process of such as withdrawing the money, deposit process, inquiry into balance process, process etc. of transferring accounts.In addition, the transaction processing that transaction processing portion 213 carries out is not limited to above-mentioned various transaction processing.Further, the transaction processing that transaction processing portion 213 carries out needs not be the whole of above-mentioned various transaction processing, also can be a part for above-mentioned various transaction processing.
The input information etc. that storage part 22 stores the handling procedure performed by control part 21, the image information that operation display part 12 is shown and inputs from operation display part 12.
Here, as the image information making operation display part 12 show, the transaction that such as there is type of transaction being selected picture, being represented that when registering biological information in new IC-card the confirmation screen etc. of picture and transaction content is guided in the guiding of the method for the insertion of existing IC-card or new IC-card and the biological information of reading client.
Carried out the transmission and reception of Transaction Information by network between Department of Communication Force 23 and principal computer.Further, audio call is carried out between Department of Communication Force 23 and call center's terminal.
Operating display frame control part 24 controls the action of operation display part 12 under the control of control part 21.Operating display frame control part 24 makes operation display part 12 display frame according to the image information received from control part 21, or provides the information inputted from operation display part 12 to control part 21.
Mechanism for card portion 25, under the control of control part 21, is taken into IC-card or discharges IC-card from card gateway 13.Further, the card information of mechanism for card portion 25 reading and saving in the storage unit (such as, magnetic storage unit or IC chip etc.) of the IC-card inserted from card gateway 13, and this card information is supplied to control part 21.
Bankbook mechanism part 26, under the control of control part 21, is taken into bankbook or discharges bankbook from bankbook gateway 14.Further, the bankbook information of bankbook mechanism part 26 reading and saving in the storage unit (such as, magnetic storage unit or IC chip etc.) of the bankbook inserted from bankbook gateway 14, and this bankbook information is supplied to control part 21.
Cash mechanism part 27, under the control of control part 21, controls the action of bank note gateway 15, coin gateway 16.And, the amount of money of the coin that cash mechanism part 27 calculates from bank note gateway 15, coin gateway 16 is dropped into, and this amount of money is supplied to control part 21, or according to the instruction of control part 21, from bank note gateway 15, coin gateway 16 discharges and answers reimbursement to the coin of client.
(A-2) action of embodiment
Then, with reference to accompanying drawing while be described process action when inserting the unregistered IC-card of biological information in the transaction system 1 of embodiment.
In addition, below, exemplifying biological information is finger Jing Veins pattern, and 2 finger Jing Veins patterns are registered in the situation in existing IC-card.That is, exemplify and 2 identical with the finger of registering in existing IC-card are pointed Jing Veins pattern and be registered in situation in new IC-card as biological information.
Fig. 4 and Fig. 5 is the process flow diagram of the registration process of the biological information to new IC-card illustrated in the transaction system 1 of embodiment.
First, such as, when transaction system 1 detects client by client to sensors such as the contact of operation display part 12 or force-feeling sensors, control part 21 makes operation display part 12 show transaction and selects picture (S101).
Such as, Fig. 6 is the picture figure that an example of picture is selected in transaction.The transaction selection picture 510 of Fig. 6 is configured to be had: display part 511, and it is such as " please select the transaction wished." etc. mode make customer selecting type of transaction; " transfer accounts " button 512, it is as the select button making customer selecting type of transaction; " stored in/refund " button 513; And " extracting/loan " button 514 etc.
When customer selecting type of transaction, control part 21 makes operation display part 12 show transaction content confirmation screen, and this transaction content confirmation screen is for confirming the content (S102) of the certification needed when concluding the business based on biological information contrast.
Transaction based on the contrast of biological information needs the process of the validity obtaining biological information from existing IC-card or confirm new IC-card etc.That is, due to compared with common transaction, screen operation quantity and required time elongated, therefore, the transaction system 1 of embodiment shows needs in advance to client and carries out the content of the certification contrasted based on biological information.
Such as, Fig. 7 is the picture figure of the example that transaction content confirmation screen 520 is shown.The transaction content confirmation screen 520 of Fig. 7 is configured to be had: display part 521, and it is such as " when concluding the business, to need the certification of biological information.Therefore, the IC-card being registered with biological information is needed.If of course, please by confirmation " etc. mode, needing the content of the certification of biological information containing wanting that carrying out concludes the business, needing to be registered with the content of the IC-card of biological information, solicit the content that client agrees to; " confirmation " button 522; And " cancellation " button 523.
Then, in S102, when selecting " confirmation " button 522, the existing IC-card that control part 21 makes operation display part 12 show and guides client to insert existing IC-card inserts guide picture (S103).Further, control part 21 is standby before client inserts card.In addition, in S102, when have selected " cancellation " button 523, control part 21 is closed the trade process.
Such as, Fig. 8 is the picture figure of an example of the insertion guide picture that existing IC-card is shown.Existing IC-card due to Fig. 8 inserts guide picture 530 and requires that client inserts existing IC-card, and therefore it has: display part 531, and it is such as " please insert the card used at present." etc. mode urge the insertion of existing IC-card; And " cancellation " button 533.Further, as shown in Figure 8, the insertion guide picture 530 of IC-card is inserted by visual identity card to make client, the image that also can insert containing card.
When inserting card, control part 21 confirms the validity (S104) of the card inserted.Such as, control part 21 confirm the card that inserts be whether IC-card, according to the financial institution's identifying information be kept in IC-card be confirmed whether for accessible financial institution card, confirm whether be registered with biological information etc. in IC-card.
Now, when inserted IC-card is invalid, control part 21 returns the IC-card inserted, and ends process.
On the other hand, in the effective situation of inserted IC-card, control part 21 obtains the biological part information (S105) of each biological information registered in existing IC-card.
Then, the biological information of biological part of control part 21 in order to register in existing IC-card from Customer Acquisition, and make operation display part 12 show biological information to read to guide and guide picture (S106).
Fig. 9 illustrates that biological information reads the picture figure guiding the example guiding picture.The biological information of Fig. 9 reads to guide guides picture 540 containing such as " carrying out the reading of 4 order 1.Please be placed on the finger of registering in biological authentication apparatus." etc. such reading guide and guide display part 541 and " cancellation " button 544.
Here, in this embodiment, the situation of the certification of the biological information of carrying out 41 fingers is exemplified.Therefore, in order to this content of customer notification, guide in guide display part 541 in reading and show the content of carrying out " 4 times " and reading.In addition, the certification number of times carried out about 1 finger is not particularly limited, and can be 1 time, also can be 2 inferior.
Further, the biological information of Fig. 9 reads the guide display part 542 guiding and guide picture 540 to have such as such registration biological part such as " registration finger be " right hand forefinger " " left index finger " ".Guide display part 542 each biological part information containing the registration biological information that control part 21 obtains from existing IC-card in S105 of registration biological part.The guide display part 542 of the registration biological part of Fig. 9 has a guide look of all multiple biological parts of display.Thus, the biological information that customer recognition can be made to register in existing IC-card is the information of which biological part.
In addition, as long as the display that the guide of registration biological part shows the biological part that can be used for customer recognition to read and the biological part do not read just can widespread use.Such as, the reversal displaying of biological part also can be made about the biological part read.
In addition, the biological information of Fig. 9 reads to guide and guides picture 540 containing the image 543 for illustration of the read method of biological information.Thus, client can be made by the read method of visual confirmation biological information.
Client observes biological information and reads guiding guide picture 540, is placed on by biological part on biological information reading device 11.Now, client also can place in the guide display part 542 of the registration biological part being presented at Fig. 9 registration finger in arbitrary biological part.
Here, " right hand forefinger " is placed on biological information reading device 11 and reads biological information by client at first.
Biological information reading device 11 reads the biological information of biological part.The information read by biological information reading device 11 is supplied to control part 21.
Control part 21 judges whether the biological information registered in existing IC-card is consistent with the biological information obtained from biological information reading device 11 and carries out authentication processing (S107).
Now, when authentification failure, control part 21 shows the picture of authentification failure in operation display part 12.In addition, in the picture of authentification failure, also can show the reason becoming authentification failure.Such as, exist as the reason becoming authentification failure:, the finger that be placed on biological information reading device 11 on inconsistent with the biological information registered in existing IC-card is not correctly placed or do not had static etc.Further, control part 21 also when the continuous authentification failure of stipulated number, can terminate or interrupt transaction.
On the other hand, when authentication success, control part 21 judges whether the authentication success number of times of the 1st kind reaches stipulated number (S109).Then, when authentication success number of times does not reach stipulated number, process is returned S106 by control part 21, and while making operation display part 12 show the picture of authentication success, display biological information next time reads to guide guides picture (S106).
Figure 10 is an example of the picture of authentication success.Further, Figure 11 illustrates that the 2nd time of identical type later biological information reads the picture figure guiding the example guiding picture.
The picture 550 of the authentication success of Figure 10 is containing such as " certification of the 1st time of the 1st terminates.Please temporarily to move away finger." etc. such guide display part 551, the display part 552 representing the content of authentication success, imaging go out the picture pointing image 553 and " cancellation " button 554 moved away.
The biological information of Figure 11 reads to guide guides picture 560 to contain: read to guide and guide display part 561, it is such as " to carry out the reading of the 1st the 2nd time.Please again identical finger is placed on biological information reading device." etc. mode guide the 2nd later reading; " cancellation " button 564; And image 563, it is for illustration of the read method of biological information.
Further, the biological information of Figure 11 reads the guide display part 562 guiding and guide picture 560 also can contain the registration biological part of finger in expression registration biological part, this authentication success.Thus, owing to can represent that this client carries out the finger of certification, therefore, client can identify and is placed on biological information authentication device 11 by which biological part.In addition, read to guide guide display part 561 due to display, therefore, the guide display part 562 of registration biological part also can not show.
About the 2nd time of identical type later certification, before authentication success number of times reaches stipulated number, identical biological part is placed on biological information reading device 11 by client, and control part 21 carries out authentication processing (S106 ~ S109).
Then, when the authentication success number of times of the 1st kind reaches stipulated number, because control part 21 carries out the authentication processing of next kind, therefore show biological information and read guiding guide picture (S110).
Figure 12 illustrates that the biological information of the 2nd kind reads the picture figure guiding the example guiding picture.The biological information of Figure 12 reads to guide guides picture 540 containing such as " carrying out the reading of 4 order 2.Please be placed on the finger of registering in biological authentication apparatus." etc. such reading guide guide the guide display part 562 of display part 561, registration biological part, image 563 that the read method of biological information is described and " cancellation " button 564.
Here, the guide display part 542 of registering biological part also only can be presented at biological part in the registration biological part of registering in existing IC-card, the 2nd kind.That is, control part 21 deletes the biological part of authentication success, and the biological part of certification is not also carried out in display, thus, customer recognition can be made to need which biological part of certification.
About the biological part of the 2nd kind, control part 21 also carries out the process identical with the process of S106 ~ S109.That is, about the biological part of the 2nd kind, control part 21 also carries out processing until authentication success number of times reaches stipulated number.Further, when not reaching stipulated number, about the biological part of the 2nd kind, control part 21 makes operation display part 12 show the picture being equivalent to Figure 10 and Figure 11.
As S106 ~ S113, control part 21 carries out authentication processing according to the biological information of all biological parts of registering in existing IC-card.
Then, because control part 21 registers 1 or multiple biological information in new IC-card, operation display part 12 is made to show the insertion guide picture (S114) of the insertion guiding new IC-card.
Figure 13 is the picture figure of an example of the insertion guide picture that neocaine is shown.The insertion guide picture 570 of the new IC-card of Figure 13 is owing to requiring that client inserts new IC-card, and therefore it has: display part 571, such as, " please insert neocaine." etc. mode urge the insertion of new IC-card; And " cancellation " button 573.Further, as shown in figure 13, in order to make client be inserted by visual identity card, the insertion guide picture 570 of IC-card also can containing blocking the image 572 inserted.
When inserting new IC-card, control part 21 confirms the validity (S115) of the new IC-card inserted.
Such as, control part 21 confirm the card that inserts be whether IC-card, according to financial institution's identifying information of new IC-card be confirmed whether for accessible financial institution card, confirm that whether new IC-card consistent with the accounts information of existing IC-card, confirm whether be registered with biological information etc. in IC-card.
Further, such as control part 21 also can require Password Input, and confirms that whether the password inputted is consistent with the password of registering in new IC-card, thus judges the validity of new IC-card.
When inserted IC-card is invalid, control part 21 returns the IC-card inserted, and ends process.
In the effective situation of new IC-card, control part 21 utilizes the process of S106 ~ S113, writes all biological informations (S116) that this is read from client by biological information reading device 11 in new IC-card.
Such as, in this embodiment, control part 21 reads 4 secondary pollutant information about a kind of biological part.Control part 21 can apply following method: carry out the optimization process specified according to 4 read secondary pollutant information, the information after this optimization process is write new IC-card.Certainly, the method is not limited to the wiring method of the biological information of new IC-card, can the various method of widespread use.
Then, in order to confirm the validity of the biological information write in new IC-card, control part 21 uses the biological information in the new IC-card of write to carry out authentication processing.
First, control part 21 makes operation display part 12 show biological information and reads guiding guide picture (S117).
Figure 14 is that the biological information of the biological information illustrated for confirming new IC-card reads the picture figure guiding the example guiding picture.The biological information of Figure 14 reads to guide guides picture 580 containing such as " being please placed on biological information reading device by the finger used always." etc. guide display part 581, the guide display part 582 of registration biological part, the image 583 that the read method of biological information is described and " cancellation " button 584.
In addition, in fig. 14, exemplify guide look in the guide display part 582 of registration biological part and be presented in new IC-card the situation of all biological parts of registering, but, also can not show such guide look display.
Now, client also can be placed on registering in biological part, arbitrary biological part on biological information reading device 11.
Then, biological information reading device 11 provides read in biological information to control part 21, and control part 21 judges that the biological information registered in new IC-card carries out authentication processing (S118) with from whether the biological information of biological information reading device 11 is consistent.
In addition, when authentification failure, control part 21 makes operation display part 12 show the picture (S119) of authentification failure.
Now, in the picture of authentification failure, also can show the reason becoming authentification failure.Such as, exist as the reason becoming authentification failure: the content inconsistent with the biological information registered in existing IC-card, the finger be placed on biological information reading device 11 are not correctly placed or do not had static etc.Further, when the continuous authentification failure of stipulated number, control part 21 also can terminate or interrupt transaction.
On the other hand, when authentication success, in order to carry out the authentication processing of the biological information of the biological part employing other, the biological information that control part 21 makes operation display part 12 show the biological information of the biological part reading other reads to guide guides picture (S120).
Figure 15 is the biological information in order to confirm new IC-card, and illustrates that the biological information of other biological part reads the picture figure guiding the example guiding picture.The biological information of Figure 15 reads to guide guides picture 590 containing such as " being please placed on biological information reading device by another finger." etc. guide display part 591, the guide display part 592 of registration biological part, the image 593 that the read method of biological information is described and " cancellation " button 594.
In addition, in the guide display part 592 of registration biological part, delete registration biological part in the registration biological part of registering in new IC-card, authentication success, and show remaining registration biological part.Thus, client can identify the biological part that should authenticate.Therefore, the biological part that client has read can be prevented from again reading.
Then, the biological information that biological information reading device 11 reads in is supplied to control part 21, and control part 21 judges whether the biological information of other the biological part of registering in new IC-card is consistent with from the biological information of biological information reading device 11 and carries out authentication processing (S121).
In addition, when authentification failure, control part 21 makes operation display part 12 show the picture (S122) of authentification failure.Now, the picture of authentification failure also can be made to show the reason becoming authentification failure.Further, when the continuous authentification failure of stipulated number, control part 21 also can be closed the trade.
As mentioned above, when writing all biometric information authentications in new IC-card and being successful, the registration of all biological informations of new IC-card is terminated.
Then, transaction system 1, after the new IC-card of return (S123), returns existing IC-card (S124).In addition, about existing IC-card also can work as before return, implement not spendable process after return again, also can not return and be taken into transaction system 1.
(A-3) effect of embodiment
As mentioned above, according to embodiment, when in the new IC-card (medium) during registration biological information, can to show registration for the understandable mode of client time required biological part.Its result is, even if the biological part needed when biological identification is in situation of more than two kinds, also can make the customer recognition biological part of certification and unverified biological part.
Further, according to embodiment, even if when needing repeatedly certification about a kind of biological part, also at the 2nd time, determined biological part in the certification of the 1st time can be shown later.
(B) another embodiment
Also various variant embodiment of the present invention is illustrated in the above-described embodiment, but in addition, the present invention can also apply following variant embodiment.
(B-1) in the above-described embodiment, use Fig. 4 and Fig. 5, the registration process of the biological information to new IC-card in transaction system is illustrated.But the process flow diagram of Fig. 4 and Fig. 5 is an example, the registration process of the biological information of new IC-card is not limited to the process flow diagram of Fig. 4 and Fig. 5.
Such as, in figures 4 and 5, when registering biological information in new IC-card, in order to confirm whether the biological information of new IC-card is correctly registered, S117 ~ S122 is utilized to carry out the confirmation process of validity.But, also can omit the confirmation process of the validity of the biological information of new IC-card.Thus, the running time of the validity of the biological information confirming new IC-card can be shortened.
Further, such as in figures 4 and 5, the authentication processing (being 4 times in the above-described embodiment) being repeatedly used in biological information that register in existing IC-card, a kind of biological part is set to.But, also can carry out 1 authentication processing about the biological information of a kind of biological part.Thus, because the time of the authentication processing employing the biological information of a kind of biological part shortens, therefore, the running time of transaction system is shortened.
(B-2) each display frame exemplified in the above-described embodiment is an example, but is not limited thereto.
Such as, the biological information as Fig. 9 and Figure 12 reads the variant embodiment guiding and guide picture, such as, also can be that picture is guided in the biological information reading guiding of Figure 16 and Figure 17.
The biological information of Figure 16 reads the registration biological part display part 604 guiding and guide picture 600 also can have the biological part that registration is shown in the image of both hands (the five fingers image) 603.Thus, client can be made to register biological part by visual confirmation.
Further, the biological information of Figure 17 reads and guides guiding when guiding picture 610 to be biological informations of the registration biological part of reading the 2nd kind to guide picture.In this case, also can be, in the guide display part 612 of registration biological part, delete the biological part of the 1st kind and remaining biological part is shown, and in the image 630 of both hands, registration biological part display part 614 does not illustrate the biological part of the 1st kind, and remaining biological part is only shown.
Further, such as, biological information as Fig. 9 and Figure 12 reads the variant embodiment guiding and guide picture, such as, also can be that picture is guided in the biological information reading guiding of Figure 18 and Figure 19.
The biological information of Figure 18 reads to guide guides the image (the five fingers image) 623 of picture 620 containing any hand in registration biological part.Figure 18 illustrates and such as the forefinger of the right hand is placed on the situation on biological information reading device.
Further, the biological information of Figure 19 reads and guides guiding when guiding picture 630 to be biological informations of the registration biological part of reading the 2nd kind to guide picture.In this case, in the guide display part 632 of registration biological part, delete the biological part of the 1st kind and remaining biological part is shown, and in the image 633 of or another hand with the biological part that remaining does not read, do not show the biological part of the 1st kind, and situation about to be placed on by remaining biological part on biological information reading device is shown.Thus, client can be made to register biological part by visual confirmation.
In addition, the image 623 and 633 of Figure 18 and Figure 19 only shows a hand, but also can show both hands.
(B-3) situation that transaction system carries out authentication processing in the above-described embodiment, is exemplified.But the server be connected with transaction system or financial institution's center fixture also can carry out authentication processing.
Such as, about authentication processing, when transferring to the system of the execution such as server in the system performed from transaction system, need the biological information registered IC-card from client uses before this that biological information is registered in server side.In this case, such as, in the process flow diagram of Fig. 4 and Fig. 5, the write of the biological information in new IC-card can be replaced by the write of the biological information to database, and carry out the process identical with above-mentioned embodiment.
(B-4) in the above-described embodiment, make finger Jing Veins pattern as an example of biological information.But biological information also can be palm Jing Veins pattern, the characteristic pattern of face, the fingerprint of client, the vocal cords and iris etc. based on speech.Further, authentication processing also can be undertaken by combining above-mentioned multiple biological information like this.In addition, authentication processing also can be undertaken by combining above-mentioned biological information and password etc.
(B-5) situation that transaction system of the present invention is the automatic trading apparatus (ATM) carrying out financial transaction in the above-described embodiment, is exemplified.As long as transaction system to allow the device of concluding the business just can widespread use according to the IC-card being registered with biological information by the contrast certification of biological information.
(B-6) situation being registered with biological information in IC-card in the above-described embodiment, is exemplified.But the registering object of biological information is not limited to IC-card, such as, also can be the mobile terminal (such as, mobile phone, comprise the concept of so-called intelligent mobile phone terminal, tablet terminal etc.) carrying IC chip.In this case, transaction system such as can replace card gateway by having near field communication device and realize.That is, as long as the medium containing IC-card is the valid period being previously determined use, and can register the device of biological information, just can widespread use.

Claims (9)

1. a transaction system, it is concluded the business according to the results of comparison between 1 of registering in media as well or multiple registration biological information and the biological information of client read by biological information reading part, and wherein, described transaction system has:
Biological information reads to guide supports handling part, it obtains the biological part of described 1 or multiple registration biological information from inserted described medium, and making display part show biological information reading guide picture, described biological information reads guide picture and contains to identify the guide display part that biological part in obtained all biological parts, that read shows with the mode of the biological part do not read;
Authentication processing portion, it carries out authentication processing according to described 1 or multiple registration biological information of described medium and each biological information of the client obtained from biological information reading part; And
Biological information register, its when described authentication processing portion employ the authentication success of described 1 or multiple registration biological information, 1 of authentication success or multiple biological information are registered in other new media.
2. transaction system according to claim 1, wherein,
Described biological information reads to guide supports that handling part makes described guide display part not show the biological part read, and shows the biological part do not read.
3. transaction system according to claim 1 and 2, wherein,
Described biological information reads to guide supports that handling part makes display part show biological information and reads guide picture, and described biological information reads guide picture and contains the imaging display part that the biological part do not read is shown.
4. the transaction system according to any one in claims 1 to 3, wherein,
When described authentication processing portion carries out repeatedly authentication processing about 1 registration biological information, described biological information reads to guide supports that handling part makes display part show biological information and reads guide picture, and described biological information reads guide picture and contains the display part determining the biological part that the 1st time is read in the certification number of times preset.
5. the transaction system according to any one in Claims 1-4, wherein,
Described biological information register, after employing the authentication processing of 1 or the multiple biological information registered in other new media, carries out formal registration.
6. the transaction system according to any one in claim 1 to 5, wherein,
Described registration biological information refers to Jing Veins pattern,
Described biological information reads to guide supports that handling part display biological information reads guide picture, and described biological information reads guide picture in the five fingers image of both hands or any hand containing 1 or multiple imaging display part being registered as the finger of registration biological information are shown.
7. transaction system according to claim 6, wherein,
Described biological information reads to guide supports that handling part display biological information reads guide picture, described biological information reads guide picture after the reading of biological part, the imaging display part of the finger read is deleted, containing the imaging display part that the finger do not read is shown in the five fingers image of the both hands or a hand or another hand that are registered with the finger do not read in the five fingers image of described both hands or any hand.
8. a method of commerce, it is concluded the business according to the results of comparison between 1 of registering in media as well or multiple registration biological information and the biological information of client read by biological information reading part, and wherein, described method of commerce has following steps:
Biological information reads to guide supports treatment step, read to guide by biological information and support that handling part obtains the biological part of described 1 or multiple registration biological information from described medium, and making display part show biological information reading guide picture, described biological information reads guide picture and contains to identify the guide display part that biological part in obtained all biological parts, that read shows with the mode of the biological part do not read;
Authentication processing step, carries out authentication processing by authentication processing portion according to described 1 or multiple registration biological information of described medium and each biological information of the client obtained from biological information reading part; And
Biological information register step, when described authentication processing portion employ the authentication success of described 1 or multiple registration biological information, by biological information register, 1 of authentication success or multiple biological information are registered in other new media.
9. a transaction system, it is concluded the business according to the results of comparison between 1 of registering in media as well or multiple registration biological information and the biological information of client read by biological information reading part, and wherein, described transaction system has:
Biological information reads to guide supports handling part, it obtains the biological part of described 1 or multiple registration biological information from described medium, and making display part show biological information reading guide picture, described biological information reads guide picture and contains to identify the guide display part that biological part in obtained all biological parts, that read shows with the mode of the biological part do not read;
Authentication processing portion, it carries out authentication processing according to described 1 or multiple registration biological information of described medium and each biological information of the client obtained from biological information reading part; And
Biological information register, its when described authentication processing portion employ the authentication success of described 1 or multiple registration biological information, 1 of authentication success or multiple biological information are registered in other new media.
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