JP2005202729A - Automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction system which can prevent biological information for a personal identification from being leaked or altered and has high security. <P>SOLUTION: In the automatic transaction system provided with an automatic transaction apparatus for automatically performing a prescribed transaction on the basis of user's operation and a host computer connected to the automatic transaction apparatus through a communication line and allowed to manage the transaction or the like performed by the automatic transaction apparatus, the personal identification is performed by the collation (terminal collation) of a face image by the automatic transaction apparatus, thereafter the personal identification is performed by the collation (center collation) of confirmation information by the host computer, thereby controlling the transaction. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic transaction system that automatically performs transactions such as withdrawal transactions and deposit transactions based on user operations, for example.

  Recently, for example, automatic transaction systems that automatically perform transactions such as withdrawal transactions and deposit transactions based on operations of users (customers) have become widespread in order to save labor in window operations in financial institutions. In this automatic transaction system, a user selects a transaction type and inserts a cashier card, a passbook, or the like to automatically execute the selected transaction.

In general, in such an automatic transaction system, for example, when performing a withdrawal transaction, a user inserts a cashier card, inputs a personal identification number, and collates the personal identification number, so that the user is the person himself / herself. In recent years, it has been considered that the user's biometric information (iris, face image, etc.) is used for the identity verification (for example, Patent Document 1 and Patent Document 2). reference).
Japanese Patent Laid-Open No. 10-269183 JP 2000-353266 A

  However, in the conventional technology, the terminal verification method for verifying the biometric information of the user acquired on the automatic transaction apparatus side and the biometric information acquired from the IC card presented by the user, or the use acquired on the automatic transaction apparatus side Center verification method that matches the biometric information of the person and the biometric information acquired from the center host device. In the case of the center verification method, there is a risk that the biometric information may be leaked or falsified. The method also has a single identity verification and is insufficient in terms of security.

  Therefore, an object of the present invention is to provide an automatic transaction system that can prevent the outflow or falsification of biometric information for identity verification and is excellent in security.

  The automatic transaction system of the present invention includes an automatic transaction apparatus that automatically performs a predetermined transaction based on a user's operation, a transaction that is connected to the automatic transaction apparatus via a communication line, and that is performed by the automatic transaction apparatus. In an automatic transaction system including a host device to be managed, the automatic transaction apparatus stores at least biometric information of the user in advance, which is provided by the user and biometric information acquisition means for acquiring the biometric information of the user. Medium reading means for reading the biological information from a portable storage medium, and the biological information read by the medium reading means and the biological information acquired by the biological information acquiring means Verification means for determining whether or not a predetermined relationship is established, and confirmation information for performing identity verification based on the determination result of the verification means The host device receives the confirmation information transmitted by the first transmission means of the automatic transaction apparatus, and uses the confirmation information for the use A person confirmation means for confirming whether or not the person is the person, and a second transmission means for sending the confirmation result of the person confirmation means to the automatic transaction apparatus, wherein the automatic transaction apparatus further comprises the Transaction control means for controlling a predetermined transaction by the user based on the determination result of the collation means and the confirmation result transmitted by the second transmission means of the host device is provided.

  According to the present invention, the user's biometric information acquired on the automatic transaction apparatus side is compared with the biometric information acquired from the portable storage medium on the automatic transaction apparatus side (terminal verification), and identity verification is performed on the host apparatus. By performing the (center verification) twice, it is possible to provide an automatic transaction system that can prevent the outflow or falsification of biometric information for identity verification and is excellent in security.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
In the following description, a case where a face image is used as the biological information of the user will be described as an example. However, in addition to the face image, a fingerprint image, iris information, a palm-shaped image, a finger image, audio information, rhythm information, etc. It can be similarly implemented using other biological information.

  Moreover, in the following description, a case where the present invention is applied to an automatic transaction system that automatically performs a transaction such as a withdrawal transaction or a deposit transaction based on a user's operation will be described as an example. An automatic transaction system that uses personal terminal devices (cell phones, personal computers, PDAs, etc.), and an automatic transaction system that automatically conducts sales transactions of goods (soft drinks, foods, etc.) based on user operations The same applies to the above.

  FIG. 1 schematically shows a configuration of an automatic transaction system according to the present embodiment. In FIG. 1, an automatic transaction apparatus 11 automatically performs transactions such as withdrawal transactions and deposit transactions based on user operations, and stores information stored in it from an IC card 12 as a portable storage medium. IC card reading device 13 as a medium reading means for reading, face image acquisition device 14 as a biological information acquisition means for acquiring a face image (biological information) of a user (customer), password input device 15 for inputting a password, and The communication device 16 is provided.

  The IC card 12 is, for example, a non-contact type IC card (wireless card), and its IC memory (not shown) has a face image as biometric information of the IC card holder (user) and a unique password. Are stored (registered) in advance.

  The face image acquisition device 14 acquires an image including at least a face image of a user who operates the system, and is configured mainly by an imaging unit such as a CCD camera.

  The communication device 16 is connected online to a host computer 18 as a host device via a communication line 17. The host computer 18 manages transactions and the like performed by the automatic transaction apparatus 11. A memory (not shown) stores a personal identification number, an account number, deposit ledger data, and the like for each user.

Next, in such a configuration, a first operation example will be described with reference to the flowchart shown in FIG. The first operation example will be described below by taking a withdrawal transaction as an example.
When the user selects a withdrawal transaction on the operation screen of the automatic transaction apparatus 11, the user first inputs the withdrawal amount (step S1). Next, the user inserts an ID card (casher card) and inputs a password from the password input device 15 (step S2).

Next, when the user inserts the IC card 12 into the IC card reader 13, the IC card reader 13 reads the password stored in the IC card 12 (step S3).
Next, the automatic transaction apparatus 11 determines whether or not a predetermined relationship is established between the personal identification number input in step S2 and the personal identification number read from the IC card 12 in step S3. A match check is performed (step S4). As a result of this check, if the passwords do not match, the transaction is suspended and the following steps are not executed.

  As a result of the check in step S4, if the two passwords match, the face image acquisition device 14 acquires the face image of the user who operates the automatic transaction apparatus 11 (step S5). Next, the IC card reader 13 reads the face image stored in the IC card 12 (step S6).

  Next, the automatic transaction apparatus 11 collates the face image acquired in step S5 with the face image read from the IC card 12 in step S6, and determines whether or not a predetermined relationship is established between both face images. In the example, a match check of both face images (for example, whether or not the similarity is a predetermined value or more) is performed (step S7). If the two face images do not match as a result of this check, the transaction is interrupted and the following steps are not executed. Here, the process of step S7 corresponds to the collating means in the present invention.

  If the two face images match as a result of the check in step S7, the automatic transaction apparatus 11 uses the account number read from the ID card as the confirmation information for confirming the user and the password entered earlier, The input withdrawal amount or the like is transmitted to the host computer 18 via the communication device 16 and the communication line 17 (step S8).

  Whether the host computer 18 has a predetermined relationship between the personal identification number transmitted from the automatic transaction apparatus 11 and the personal identification number corresponding to the account number transmitted from the automatic transaction apparatus 11 stored in a memory (not shown). No, in this example, both the PIN numbers are checked for coincidence (identity confirmation), and the withdrawal amount transmitted from the automatic transaction apparatus 11 is within the deposit balance in the deposit ledger data stored in the memory (not shown). A money balance check is performed, and the check result, that is, whether or not a withdrawal transaction is possible is returned to the automatic transaction apparatus 11 (step S8). Here, the process of step S8 corresponds to the identity verification means in the present invention.

  When the withdrawal transaction permission is responded from the host computer 18 (step S9), the automatic transaction apparatus 11 performs a withdrawal operation based on the previously entered withdrawal amount (step S10), and the withdrawal from the host computer 18 is performed. When the transaction rejection is responded (step S9), the transaction is interrupted. Here, the processing of steps S9 and S10 corresponds to the transaction control means in the present invention.

In the first operation example, the face image is not transmitted to the host computer 18, but the face image is transmitted together with the personal identification number and the like, and the host computer 18 also performs the collation of the face image, thereby improving security. It can be further strengthened.
Further, in the first operation example, a match check is performed between the input password number and the password read from the IC card. However, the password check check may be omitted.

Next, a second operation example will be described with reference to the flowchart shown in FIG. The second operation example will be described below by taking a withdrawal transaction as an example.
When the user selects a withdrawal transaction on the operation screen of the automatic transaction apparatus 11, the user first inputs the withdrawal amount (step S21). Next, the user inserts an ID card (casher card) and inputs a password from the password input device 15 (step S22).

  Next, the automatic transaction apparatus 11 sends the account number read from the ID card as the confirmation information for confirming the user, the previously entered personal identification number, the withdrawal amount previously entered, etc. to the communication device 16 and The data is transmitted to the host computer 18 via the communication line 17 (step S23).

  Whether the host computer 18 has a predetermined relationship between the personal identification number transmitted from the automatic transaction apparatus 11 and the personal identification number corresponding to the account number transmitted from the automatic transaction apparatus 11 stored in a memory (not shown). No, in this example, both the PIN numbers are checked for coincidence (identity confirmation), and the withdrawal amount transmitted from the automatic transaction apparatus 11 is within the deposit balance in the deposit ledger data stored in the memory (not shown). A money balance check is performed, and the check result, that is, whether or not a withdrawal transaction is possible is returned to the automatic transaction apparatus 11 (step S23). Here, the process of step S23 corresponds to the identity verification means in the present invention.

  When the withdrawal transaction rejection is responded from the host computer 18 (step S24), the automatic transaction apparatus 11 is interrupted, and when the withdrawal transaction permission is responded from the host computer 18 (step S24), the face image acquisition device 14, the face image of the user who operates the automatic transaction apparatus 11 is acquired (step S25). Next, the IC card reader 13 reads the face image stored in the IC card 12 (step S26).

  Next, the automatic transaction apparatus 11 collates the face image acquired in step S25 with the face image read from the IC card 12 in step S26, and determines whether or not a predetermined relationship is established between both face images. In the example, a match check of both face images (for example, whether or not the similarity is a predetermined value or more) is performed (step S27). If the two face images do not match as a result of this check, the transaction is interrupted and the following steps are not executed. Here, the processing in step S27 corresponds to the collating means in the present invention.

  As a result of the check in step S27, if both face images match, the automatic transaction apparatus 11 performs a withdrawal operation based on the previously entered withdrawal amount (step S28). If both face images do not match, the automatic transaction apparatus 11 automatically Transaction device 11 is suspended. Here, the processes in steps S27 and S28 correspond to the transaction control means in the present invention.

In the above-described embodiment, a dedicated IC card is used as a portable storage medium for identifying a person using biometric information. For example, the IC card is also used as a medium such as an automobile driver's license or an electronic money card. May be.

The block diagram which shows schematically the structure of the automatic transaction system which concerns on embodiment of this invention. The flowchart explaining a 1st operation example. The flowchart explaining a 2nd operation example.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 11 ... Automatic transaction apparatus, 12 ... IC card (portable storage medium), 13 ... IC card reader (medium reading means), 14 ... Face image acquisition apparatus (biological information acquisition means), 15 ... Password input device, 16 ... Communication device, 17 ... communication line.

Claims (2)

An automatic transaction apparatus that automatically performs a predetermined transaction based on a user's operation, and a host device that is connected to the automatic transaction apparatus via a communication line and manages transactions performed by the automatic transaction apparatus. In automatic transaction system,
The automatic transaction apparatus is
Biometric information acquisition means for acquiring biometric information of the user;
Medium reading means for reading the biometric information from a portable storage medium presented by the user and storing at least the biometric information of the user in advance;
Collating means for determining whether or not a predetermined relationship is established between the biological information by comparing the biological information read by the medium reading means and the biological information acquired by the biological information acquiring means;
Based on the determination result of the verification means, comprising: first transmission means for transmitting confirmation information for performing identity verification to the host device;
The host device is
Identity verification means for receiving the confirmation information transmitted by the first transmission means of the automatic transaction apparatus and confirming whether or not the user is the identity using the confirmation information;
A second transmission means for transmitting the confirmation result of the identity verification means to the automatic transaction apparatus;
The automatic transaction apparatus further includes:
An automatic transaction system comprising transaction control means for controlling a predetermined transaction by the user based on the determination result of the verification means and the confirmation result transmitted by the second transmission means of the host device. An automatic transaction apparatus that automatically performs a predetermined transaction based on a user's operation, and a host device that is connected to the automatic transaction apparatus via a communication line and manages transactions performed by the automatic transaction apparatus. In automatic transaction system,
The automatic transaction apparatus is
Comprising a first transmission means for transmitting confirmation information for confirming the identity of the user to the host device;
The host device is
Identity verification means for receiving the confirmation information transmitted by the first transmission means of the automatic transaction apparatus and confirming whether or not the user is the identity using the confirmation information;
A second transmission means for transmitting the confirmation result of the identity verification means to the automatic transaction apparatus;
The automatic transaction apparatus further includes:
Biometric information acquisition means for acquiring biometric information of the user based on the confirmation result transmitted by the second transmission means of the host device;
Medium reading means for reading the biometric information from a portable storage medium presented by the user and storing at least the biometric information of the user in advance;
Collating means for determining whether or not a predetermined relationship is established between the biological information by comparing the biological information read by the medium reading means and the biological information acquired by the biological information acquiring means;
An automatic transaction system comprising transaction control means for controlling a predetermined transaction by the user based on the determination result of the collation means and the confirmation result transmitted by the second transmission means of the host device.

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