JP2006085405A - Financial trading system and financial trading method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a financial trading system and a financial trading method which are excellent in convenience. <P>SOLUTION: The financial trading system is provided with a financial trading terminal 11 and an authentication device 12 which manages financial trading based on information from the financial trading terminal 11. In this case, the financial trading terminal 11 is provided with; an authentication information acquisition part which acquires an image for biological authentication from a customer; a terminal communication part for communicating with the authentication device to perform personal identification based on the biological information; and an account trading processing part 26 which controls financial trading based on the result of the authentication obtained through the terminal communication part. The authentication device is provided with; an authentication information storage part 31 which manages the biological information of each customer in association with customer management information; an authentication communication part 32 which obtains the biological information from the financial trading terminal and informs the financial trading terminal of the result of the authentication of the customer; and an authentication part 33 which refers to the authentication information storage part based on the biological information obtained in the authentication communication part, performs personal authentication and then obtains customer management information as the result of the authentication. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a financial transaction system and a financial transaction method for conducting a financial transaction in a financial institution.

  Financial transaction stores and the like are provided with financial transaction terminals such as ATMs and window terminal devices, and an authentication device (authentication server) is connected to the financial transaction terminals via a transmission path. The authentication device authenticates the identity of the customer, and the customer authenticated by the authentication device can perform a financial transaction.

  For authentication, a method of acquiring and collating a PIN number registered in advance with the customer from the customer, or acquiring and registering biometric information in advance from the customer, and authenticating the customer based on the registered biometric information. The method of performing strictly is known.

  By the way, a financial transaction system using biometric information first acquires an account number as customer management information from a customer, biometric information registered and managed in association with the acquired account number, and biometric information acquired from the customer. Verify and verify the identity.

Moreover, according to the financial system using the biometric information shown in Patent Document 1, an IC card in which the biometric information acquired from the customer is registered is given to the customer, and the biometric information recorded on the IC card is traded. It is disclosed that the person is authenticated by collating with the ecological information of the customer who desires to conduct financial transactions with the authenticated customer. That is, biometric information is read from an IC card of a customer who wishes to make a financial transaction, and the read biometric information is compared with biometric information acquired again from the customer to determine whether or not the customer is the card owner. . A financial transaction is permitted to the customer who is determined to be the card owner by the determination result.
Japanese Patent Laid-Open No. 10-269183

However, in the conventional financial transaction system using biometric information, if the attached IC card is lost by the customer, personal authentication cannot be performed, and there is a risk that the financial transaction cannot be performed. This was a concern.
Further, in a conventional financial system using biometric information, first, an account number is acquired as customer management information from a customer, biometric information registered and managed in association with the acquired account number, and biometric information acquired from a customer Therefore, it is necessary to input account numbers and the like, and the lack of convenience is also a problem.

  The present invention has been made in view of the above-described problems, and provides a convenient financial transaction system and a financial transaction method.

The present invention adopts the following configuration in order to solve the above points.
In a financial transaction system comprising a financial transaction terminal for financial transaction and an authentication device for performing personal authentication based on information from the financial transaction terminal, the financial transaction terminal obtains an image for biometric authentication from a customer An authentication information acquisition unit, a terminal communication unit for communicating with the authentication device to perform identity verification based on the acquired biometric information, and a financial transaction control based on an authentication result obtained through the terminal communication unit An authentication information storage unit that manages biometric information of each customer in association with customer management information for identifying and managing the customer, and the financial transaction. An authentication communication unit for acquiring biometric information from the terminal and notifying the financial transaction terminal of the authentication result of the customer, and the authentication information storage unit based on the biometric information acquired by the authentication communication unit Irradiation and performs authentication of the customer, characterized in that it comprises an authentication unit for acquiring customer management information as the authentication result.

  In order to conduct a financial transaction in response to a request from an authenticated customer, in an authentication device that performs personal authentication based on information from a financial transaction terminal, for identifying and managing the biometric information of each customer An authentication information storage unit that manages in association with customer management information, and the biometric information of the customer acquired at the financial transaction terminal is acquired from the financial transaction terminal, and the authentication result of the customer is notified to the financial transaction terminal And an authentication unit that refers to the authentication information storage unit based on the acquired biometric information, authenticates the customer, and acquires customer management information as an authentication result. To do.

  An authentication information acquisition unit that acquires an image for biometric authentication from a customer in a financial transaction terminal that performs a financial transaction in response to a request from the customer, in a financial transaction terminal that performs a financial transaction in response to a request from the authenticated customer; In order to perform identity verification on the authentication device based on the acquired biometric information, the terminal communication unit for communicating with the authentication device and the customer management information managed in association with the biometric information as the authentication result When acquired from an authentication device, the system includes a bill transaction processing unit that controls a financial transaction based on the authentication result.

The financial transaction is characterized by at least one of a withdrawal process, an account cancellation process, a biometric information re-registration process, a transfer process, and a transfer process.
The authentication information storage unit stores seal information and password information in association with customer management information, and the authentication information acquisition unit acquires at least one of the seal image and password along with the customer management information from the customer. When the financial transaction indicates biometric information re-registration processing, the authentication unit refers to the authentication information storage unit based on the customer management information acquired from the customer by the financial transaction device. The personal authentication of the customer is performed based on either the password information or the password information, and re-registration permission for the authenticated customer's biometric information is obtained as an authentication result.

The biometric information is iris information, and the authentication unit can authenticate the customer based on the iris information.
The financial transaction terminal is a window terminal provided at a window of a financial institution and operated by a staff member of the financial institution.

  In a financial transaction method in a financial transaction system comprising a financial transaction terminal for financial transaction and an authentication device for performing personal authentication based on information from the financial transaction terminal, a biometric authentication is performed by a customer at the financial transaction terminal. Authentication for acquiring images, communicating with the authentication device to perform identity verification based on the acquired biometric information, and managing customer biometric information with the authentication device that has acquired biometric information from the financial transaction terminal Refer to the information storage unit to authenticate the person, acquire customer management information of the authenticated customer, notify the customer management information from the authentication device to the financial transaction terminal, and receive the financial transaction Control for financial transactions is performed based on the customer management information at a terminal.

  According to the financial transaction system of the present invention, the biometric information acquired from the customer is transmitted to the authentication device via the terminal communication unit, the authentication unit of the authentication device refers to the authentication information storage unit based on the biometric information, and the authentication is performed. Customer management information managed in association with biometric information in the information storage unit is acquired, and the customer management information is transmitted as an authentication result to the financial transaction terminal device via the authentication communication unit. Therefore, in the financial transaction terminal, the control for the financial transaction can be immediately performed by the account transaction processing unit based on the acquired customer management information. In other words, if only the biometric information of the customer is acquired at the financial transaction terminal, it is possible to authenticate the person with the authentication device, acquire the customer management information of the authenticated customer as the authentication result, and immediately perform the financial transaction. According to the financial transaction system of the present invention, it is not necessary to input customer management information again after authentication, and financial transactions can be performed quickly and easily.

  Furthermore, according to the financial transaction system of the present invention, since personal authentication is performed based on biometric information acquired from a customer and customer management information is acquired at the same time, a cash card in which customer management information is recorded is not used. In both cases, convenient financial transactions can be realized.

  The financial transaction system of the present invention is a system for performing a financial transaction with a financial institution such as a bank via a financial transaction terminal. Hereinafter, embodiments of the financial transaction system of the present invention will be described in detail with reference to the drawings. .

  As shown in the system outline of FIG. 2, the financial transaction system 10 of the present invention shown in FIG. 1 includes a financial transaction terminal 11 arranged at a branch office and a host device 12 arranged at a center in a WAN (wide area). network) and the like, and a router is provided between the financial transaction terminal 11 and the transmission path 13 and between the transmission path 13 and the host device 12, respectively. A protocol mediating device such as a gateway is also provided as appropriate.

By the way, financial transaction terminal is ATM (automated
teller machine) or a counter terminal 11 provided at a counter of a financial institution such as a bank and operated by a staff member of the financial institution. In the present embodiment, the following description will be given using the counter terminal 11 as an example.

  As shown in FIG. 1, the window terminal 11 includes an input unit 21 such as a keyboard and a mouse for receiving input from an attendant, a display unit 22 for displaying input contents and processing contents, and an iris from a customer. An iris acquisition unit 23 for acquiring data indicating the characteristics of the iris as biometric information, a printing unit 24 for printing on a passbook or slip, and a scanner unit 25 for acquiring a seal of a customer seal And a processing unit 26 for controlling each process (account transaction process) such as a deposit process, a withdrawal process, an account opening process, an account closing process, an account stop process, a transfer process, a deposit process, and a biometric information re-registration process. , A cashier 27 that performs cash in accordance with an instruction from the processing unit, a terminal communication unit 28 that communicates with the eight host devices, and a terminal control unit 29 that controls the respective units in an integrated manner.

  When the financial transaction terminal is an ATM, the window terminal 11 further includes a card reading unit that reads information recorded on a storage medium such as a cash card given to a customer.

  The iris acquisition unit 23 includes an iris camera. The iris camera is remotely controlled in accordance with a serial communication standard called USB (Universal Serial Bus), and iris data indicating the characteristics of the customer's iris (iris) is stored in the iris. Obtained as information (biological information). Iris information is distinctive compared to other biometric information based on fingerprints and blood vessel images, so authentication using iris information is compared with authentication using other biometric information such as fingerprints and pulsating flow. Strict identification can be performed.

  In the present invention, when the iris information is acquired, a customer information file (CIF) number, an account number, or the like as customer management information managed in association with matching iris information with reference to a database is specified. In other words, since the iris information is highly discriminating, the customer management information is managed in association with the iris information, so that the customer identification, that is, the customer identification, that is, the account number, the CIF number, etc. can be identified simultaneously. Can do.

  When the processing unit 26 acquires the account number as the customer management information as the authentication result from the host device 12 via the terminal communication unit 28, the processing for depositing, withdrawal, account opening, account closing, Account processing unit 261 that performs account-related processing such as account suspension processing, transfer processing, and deposit processing, and processing related to irises such as customer biometric information (iris) registration processing, re-registration processing, and authentication processing based on biometric information. And an iris processing unit 262.

The account processing unit 261 performs account-related processing such as deposit processing, withdrawal processing, transfer processing, and balance inquiry processing. At this time, when cash is exchanged with the customer, data communication for cash exchange is performed with the cashier 27.
The iris processing unit 262 controls the iris acquisition unit 23 when acquiring customer iris data.

  When cash is inserted from a cash deposit / withdrawal port (not shown), the teller machine 27 performs a counting process to notify the counting result to the processing unit 26 and stores the cash in a safe unit (not shown). Further, upon receipt of a withdrawal instruction from the processing unit 26, the cashier 27 carries cash for the designated amount from a safe unit (not shown) to a cash deposit / withdrawal port not shown.

Here, the authentication server 15 provided with a database for registering and managing iris information as an authentication information storage unit will be described. The authentication server 15 is provided in the host device 12, and the host device 12 is provided with a main processing server 14 in addition to the authentication server 15.
The main processing server 14 communicates with the window terminal and manages various financial transaction processes based on the customer management information, such as a withdrawal process and a deposit process.

  The authentication server 15 includes an authentication information storage unit 31 that manages biometric information in association with customer management information, an authentication communication unit 32 that communicates with the window terminal 11, and an authentication information storage unit 31 based on the biometric information. An authentication unit 33 that authenticates a customer and acquires customer management information as an authentication result, a registration unit 34 that registers customer information, and an authentication control unit 35 that comprehensively controls each unit. .

  As shown in FIG. 3, the authentication information storage unit 31 manages the iris information (biological information) of each customer in association with the CIF number or account number as customer management information, and the account number (CIF number). Is associated with a personal identification number, seal, personal information (password), personal information, etc. associated with the cash card. Personal information includes name, address, telephone number, gender, date of birth, etc. Based on such personal information, a database is constructed so that an account number, CIF number, and the like can be specified.

The authentication unit 33 determines whether or not the iris information acquired from the window terminal 11 via the authentication communication unit 32 is managed in the authentication information storage unit 31. If the iris information is managed, the authentication unit 33 corresponds to the iris information. Acquire an account number and CIF number as the attached customer management information.
Further, when the authentication unit 33 receives an authentication inquiry from the window terminal 11 through the authentication communication unit 32 together with the account number together with an imprint or a password, the authentication unit 33 identifies the CIF number associated with the account number, and identifies the identified CIF number Authentication is performed based on the password or seal imprint associated with the.

Next, the operation of the financial transaction system 10 of the present invention will be described with reference to the drawings in the order of account opening, withdrawal, account cancellation, and iris information (iris) re-registration. Each figure used for explanation is given a number indicating the order of processing. However, in the description, for convenience, "account opening 1, account opening 2 ...", "withdrawal 1, withdrawal 2""..." will be described.
<Account opening process>
First, the operation at the time of opening an account will be described with reference to FIG.
If you wish to open an account (referred to as a customer for the sake of convenience), enter the contact information such as the type, name, address, and telephone number of the opening account on the account opening slip and seal it. Submit (account opening 1).

  The clerk who has accepted the account opening request operates the input unit 21 of the window terminal 11 to select CIF number inquiry from the various processes displayed on the display unit 22. When the CIF number inquiry is selected by the input unit 21, a selection instruction is sent to the processing unit 26. Under the control of the processing unit 26, the display unit 22 displays a CIF number inquiry screen.

  On the CIF number inquiry screen, for example, guidance for inputting a name by katakana input or the like is shown, and an attendant refers to a slip for opening an account and inputs the name with the input unit 21. When the input information is sent to the processing unit 26, it is sent to the host device 12, that is, the authentication server 15 of the host device 12 via the network 13 by the terminal communication unit 28 that has been controlled to start the processing unit 26. (Account opening 2).

  Information sent from the window terminal 11 via the transmission path 13 is received by the authentication communication unit 32 of the host device 12 and transferred to the authentication unit 33. The authentication unit 33 refers to the authentication information storage unit 31 based on the name indicated in the information, and determines whether or not the customer of the name is already registered and managed. The determination result is sent to the window terminal 11 via the authentication communication unit 32.

  If the determination result is unregistered and information indicating unregistration acquired via the terminal communication unit 28 is sent to the processing unit 26, the processing unit 26 registers a CIF number or the like on the display unit 22. Control to display. On this CIF number registration screen, guidance for inputting a name, contact information, gender, date of birth, and the like is displayed, and the input content is displayed on the display unit 22.

  When the clerk inputs necessary information and instructs registration, the registration content is sent to the authentication server 15 of the host device 12 via the terminal communication unit 28 (account opening 3). The authentication server 15 registers the registration information received via the authentication communication unit 32 in the authentication information storage unit 31 under the control of the registration unit 34. At the time of registration, the registration unit 34 assigns a CIF number in accordance with a predetermined procedure, and registers the registration information in association with the number as personal information. When the registration is completed, this is notified to the window terminal 11 via the authentication communication unit 32.

  Upon receiving the registration completion notification, the window terminal 11 registers information such as a subject, an interest rate, a card classification, a bankbook classification, and a cash card PIN number necessary for opening an account in the display section 22 under the control of the processing section 26. To display a guidance screen. When the clerk inputs necessary information with the input unit 21 in accordance with this guidance, the input content is displayed on the display unit 22.

  When the clerk inputs information necessary for opening an account and instructs registration, the information is sent to the authentication server 15 of the host device 12 via the terminal communication unit 28 (account opening 4). In the authentication server 15, information necessary for opening an account received via the authentication communication unit 32 is registered in the authentication information storage unit 31 by the registration unit 34. At this time, the registration unit 34 additionally registers information necessary for opening an account in the CIF number assigned in accordance with a predetermined procedure as described above. At the time of registration, the registration unit 34 assigns an account number according to a predetermined procedure, and registers and manages the account number in association with the CIF number. When the registration is completed, the account number is notified to the window terminal 11 via the authentication communication unit 32.

  The account number received by the terminal communication unit 28 of the window terminal 11 is transferred to the processing unit 26. Upon receiving the account number, the processing unit 26 controls the printing unit 24 to create a bankbook for newly creating information such as the account number and financial institution code for identifying the financial institution, store number, interest rate, and customer name. At the same time, information such as an account number is printed on the account opening slip by the printing unit 24 (account opening 5).

  Thereafter, the processing unit 26 performs control to display a screen for guiding seal registration on the display unit 22. In accordance with this display, after the clerk sets the account opening slip at a predetermined position of the scanner unit 25 and then instructs the input of the seal registration using the input unit 21, the seal imprinted on the account opening slip is displayed on the scanner unit 25. Obtained at. The seal stamp acquired by the scanner unit 25 is sent to the authentication server 15 by the terminal communication unit 28 under the control of the processing unit 26 (account opening 6).

  The authentication server 15 registers the seal received via the authentication communication unit 32 in the authentication information storage unit 31 under the control of the registration unit 34. The registration unit 34 additionally registers the seal in association with the account number (CIF number) described above.

  Further, the processing unit 26, that is, the iris processing unit 262 of the processing unit 26 performs control to display a screen for guiding iris registration on the display unit 22, and also controls the iris acquisition unit 23 to acquire iris information from the customer. (Account opening 7). The iris acquisition unit 23 is provided with an iris camera, and a customer who has determined that the preparation for photographing is ready presses a photographing start button provided on the iris camera, and the pupil is photographed. The iris acquisition unit 23 identifies an iris from the photographed pupil, and generates data indicating the feature of the iris as iris information. The iris information acquired by the iris acquisition unit 23 is sent to the iris processing unit 262 of the processing unit 26 and temporarily held (account opening 8).

Further, the processing unit 26 performs control to display a password registration guidance screen on the display unit 22.
The password is a response corresponding to a predetermined question item, and the response content of the question item is input by the input unit 21. In addition, it is preferable to prepare a customer input unit separately and allow the customer to directly input the response content (account opening 9).

  When the input response content is sent to the processing unit 26, it is associated with the questionnaire by the iris processing unit 262 of the processing unit 26 and then sent to the authentication communication unit 32 via the terminal communication unit 28 together with the iris information. .

  In the authentication server 15, the questionnaire received via the authentication communication unit 32, its password, and iris information are registered in the authentication information storage unit 31 under the control of the registration unit 34. As shown in FIG. 3, the registration unit 34 registers iris information in the authentication information storage unit 31 in association with customer management information. Furthermore, the registration unit 34 additionally registers the question items and their passwords as customer management information (account opening 10). A plurality of questions may be prepared in advance, and each password corresponding to each question may be registered.

<Withdrawal processing>
Next, the operation during the withdrawal process will be described with reference to FIG. The communication between the window terminal 11 and the authentication server 15 is controlled by the terminal communication unit 28 in the window terminal 11 and is controlled by the authentication communication unit 32 in the authentication server 15. Since it is the same as the communication control content described in the operation at the time of opening an account, the description of communication control between the window terminal 11 and the authentication server 15 is omitted in the following description.

  When the customer fills in an account number, withdrawal amount, name, contact information, etc. on a withdrawal slip, the customer submits the slip to the staff at the window (withdrawal 1).

  Upon receiving the withdrawal request, the clerk operates the input unit 21 of the window terminal 11 and selects a withdrawal process from various processes displayed on the display unit 22, and a withdrawal process guidance screen is displayed on the display unit 22. Is displayed. When the clerk inputs the withdrawal amount described in the withdrawal slip using the input unit 21 and selects the iris collation processing, a guidance screen for iris collation is displayed on the display unit 22 (withdrawal 2). The display switching described above is performed under the control of the processing unit 26 based on an input instruction.

  The customer operates the iris camera provided in the iris acquisition unit 23 in accordance with the guidance screen for iris verification. This iris camera is provided with a shooting start button, and a pupil is shot by pressing a button of a customer who is determined to be ready for shooting, and iris information is generated by the iris acquisition unit 23. When the iris information is sent from the window terminal 11 to the authentication server 15, the authentication unit 33 refers to the authentication information storage unit 31 and determines whether the iris information is iris information managed by the authentication information storage unit 31.

  The authentication unit 33 that has determined that the iris information is managed by the authentication information storage unit 31 acquires an account number managed in association with the iris information, and uses the account number as an authentication result from the authentication server 15 as a window. It transmits to the terminal 11 (withdrawal 3).

  After obtaining the account number, a password confirmation guide screen is displayed on the display unit 22 of the window terminal 11 under the control of the account processing unit 261 of the processing unit 26 (withdrawal 4). The questions for confirming the password are managed in the authentication information storage unit 31 of the authentication server 15 in association with the password together with the account number of the customer, and the question contents acquired by communicating with the authentication server 15 as appropriate are displayed. Is done.

  When the password is acquired from the user, the password is sent from the window terminal 11 to the authentication server 15. The authentication unit 33 of the authentication server 15 determines whether or not the customer password managed by the authentication information storage unit 31 matches the password input by the customer, and the determination result is sent from the authentication server 15 to the window terminal 11. Sent to.

  The display unit 22 of the window terminal 11 displays the guidance screen for the above-mentioned withdrawal process under the control of the account processing unit 261 of the processing unit 26, and the account acquired in the above-described process is displayed in the account number display item. The number is displayed, and the password authentication result is also displayed (withdrawal 5).

  When the clerk inputs the seal verification instruction with the input unit 21 along the withdrawal processing guidance screen, the customer's seal acquisition request held in the authentication information storage unit 31 is sent from the window terminal 11 to the authentication server 15. Is output. The seal imprint is one piece of customer management information associated with customer iris information and managed in the authentication information storage unit 31. The seal imprint is specified based on the account number managed together with the seal imprint and the identified seal imprint. Is transmitted from the authentication server 15 to the window terminal 11.

  When the seal stamp acquired by the authentication server 15 is sent to the window terminal 11, it is displayed on the display unit 22 of the window terminal 11. The clerk determines whether or not the seal imprint displayed on the display unit 22 matches the seal imprinted on the withdrawal slip (withdrawal 6). When the clerk inputs the seal imprint coincidence at the input unit 21, the withdrawal processing screen is displayed on the display unit 22 under the control of the account processing unit 261 of the processing unit 26, and a withdrawal message is created. Is sent to the main processing server 14 of the host device 12.

The main processing server 14 that has received this message checks the balance of the account number indicated in the message and the amount of money to be withdrawn. At the same time, the balance and transaction history of the withdrawn account are updated.
Upon receiving the withdrawal permission, the counter terminal 11 controls the depositing / dispensing machine 27 by the account processing unit 261 of the processing unit 26 to withdraw cash of the desired withdrawal amount (withdrawal 7).

  In the withdrawal process described above, the identity authentication using the password is performed following the iris authentication. However, the password authentication may be appropriately omitted depending on conditions such as the creditworthiness of the customer, the transaction frequency, and the withdrawal amount.

<Account cancellation processing>
Next, the operation at the time of account cancellation will be described with reference to FIG.
The customer enters and seals the account number, name, contact information, etc. on the account cancellation slip, and submits the slip to the counter staff (account cancellation 1).

  The staff member who has received the account cancellation request operates the input unit 21 of the window terminal 11 to select the account cancellation processing from various processes displayed on the display unit 22, and an account cancellation processing guidance screen is displayed on the display unit 22. Is displayed. The account cancellation processing guidance screen displays that the iris verification is to be performed, and when the clerk operates the input unit 21 according to the guidance, the screen is switched to the iris verification guidance screen (account cancellation 2).

  The customer operates the iris camera provided in the iris acquisition unit 23 in accordance with the guidance screen for iris verification. The iris camera is provided with a shooting start button. When the customer presses the shooting start button, the pupil is shot, and iris information is generated by the iris acquisition unit 23. When the iris information is sent from the window terminal 11 to the authentication server 15, the authentication unit 33 refers to the authentication information storage unit 31 and determines whether the iris information is iris information managed by the authentication information storage unit 31.

  The authentication unit 33 that has determined that the iris information is managed by the authentication information storage unit 31 acquires the account number managed in association with the iris information in the authentication information storage unit 31, and uses the account number as the authentication result. Is transmitted from the authentication server 15 to the window terminal 11 (account cancellation 3).

  After acquiring the account number, a password confirmation guide screen is displayed on the display unit 22 of the window terminal 11 under the control of the processing unit 26 (account cancellation 4) in the same manner as described above.

  When the password is acquired from the user, the password is sent from the window terminal 11 to the authentication server 15. The authentication unit 33 of the authentication server 15 determines whether the password of the customer managed by the authentication information storage unit 31 matches the password input by the customer, and the determination result is sent from the authentication server 15 to the window terminal 11. Sent to.

  On the display unit 22 of the window terminal 11, the account cancellation guide screen is displayed under the control of the processing unit 26, the account number acquired in the above-described processing is displayed in the account number display item, and password authentication is performed. Is also displayed (account cancellation 5).

  Thereafter, when an attendant inputs a seal verification instruction using the input unit 21 along the account cancellation process guidance screen, the instruction is output from the window terminal 11 to the authentication server 15. The seal imprint is one piece of customer management information associated with customer iris information and managed in the authentication information storage unit 31. The seal imprint is specified based on the account number managed together with the seal imprint and the identified seal imprint. Is transmitted from the authentication server 15 to the window terminal 11.

  When the seal stamp acquired by the authentication server 15 is sent to the window terminal 11, it is displayed on the display unit 22 of the window terminal 11. The clerk determines whether or not the seal displayed on the display unit 22 and the seal stamped on the withdrawal slip match, and if they match, inputs an account cancellation control instruction via the input unit 21 (account cancellation). 6). In response to the cancellation instruction, a cancellation message for the account is created, and the message is sent to the main processing server 14 of the host device 12.

<Iris re-registration process>
Next, the operation at the time of iris re-registration will be described with reference to FIG.
The customer enters and seals the account number, name, contact information, etc. on the slip for re-registering the iris and submits the slip together with the passbook to the staff at the window (iris re-registration 1).

  Upon receiving the iris re-registration request, the staff member operates the input unit 21 of the window terminal 11 to select the iris re-registration process from various processes displayed on the display unit 22. Is displayed (iris re-registration 2). The guidance screen displays a request to set a passbook in a reader (not shown) in order to obtain an account number from the magnetic stripe of the passbook.

  The magnetic information read by the reader includes an account number, and inquires the authentication server 15 to check whether the account number is registered and managed in the authentication information storage unit 31. . Upon receiving the inquiry, the authentication server 15 refers to the authentication information storage unit 31 based on the account number by the authentication unit 33 and makes an inquiry about the account number. The inquiry result is sent from the authentication server 15 to the window terminal 11 (iris re-registration 3).

  When the account is managed by the authentication server 15, the guidance screen for iris re-registration displays that stamp verification is to be performed. When the staff operates the input unit 21 in accordance with the guidance, the seal verification guidance screen is displayed. The display screen changes.

  At this time, a stamp acquisition request is output from the window terminal 11 to the authentication server 15. In the authentication server 15 that has received the seal acquisition request, the authentication unit 33 refers to the authentication information storage unit 31 and identifies the seal based on the account number. The identified seal is transmitted from the authentication server 15 to the window terminal 11.

  The seal imprint from the authentication server 15 is displayed on the display unit 22 of the window terminal 11. The clerk determines whether or not the seal imprint displayed on the display unit 22 matches the seal imprinted on the iris re-registration slip, and inputs an iris re-registration control instruction via the input unit 21 (Iris re-registration). Re-registration 4).

Upon receiving the iris re-registration control instruction input from the input unit 21, the processing unit 26 performs display control of the iris registration screen on the display unit 22 (iris re-registration 5).
The customer operates the iris camera provided in the iris acquisition unit 23 according to the iris registration screen. The iris camera is provided with a shooting start button. When the customer presses the shooting start button, the pupil is shot, and iris information is generated by the iris acquisition unit 23 (iris re-registration 6). The generated iris information is temporarily stored in the iris processing unit 262 of the processing unit 26.

The iris processing unit 262 of the processing unit 26 that has acquired the iris information performs control to display a password registration guidance screen on the display unit 22.
The password is a response corresponding to a predetermined question item, and the customer inputs the response content of the question item as a password at the input unit 21 (iris re-registration 7).

  When the input response content is sent to the iris processing unit 262 of the processing unit 26, it is associated with the question item by the iris processing unit 262 of the processing unit 26, and then authenticated through the terminal communication unit 28 together with the iris information. Sent to the unit 32.

  The authentication server 15 updates and registers the received question item, its password, and iris information in the authentication information storage unit 31 under the control of the registration unit 34 (iris re-registration 8).

  As described above, according to the financial transaction system 10 of the present invention, by managing customer information in association with iris information, the iris of the customer is photographed and iris information is generated by the iris acquisition unit 23, and the iris information is generated. Based on the information, identification of customer management information such as an account number can be performed simultaneously with the identity authentication. As a result, it is not necessary to manually input an account number or the like after performing the conventional personal authentication, which is convenient. Furthermore, since the account number is specified based on the iris information, the customer and the clerk can perform financial transactions conveniently without being aware of the account number.

  Furthermore, according to the present invention, even if a cash card in which customer management information is recorded is not used, personal authentication is performed based on biometric information acquired from a customer and customer management information is acquired simultaneously. There is no need to worry about loss, it is possible to realize a convenient financial transaction, and it is possible to perform a safe financial transaction by identifying a customer strictly with personal authentication based on iris information.

  In the embodiment, the authentication server 15 is installed in the host. However, if the authentication server 15 can be connected to the sales office terminal via a network so that it can be referred to from the sales office terminal, one server is installed in the office center, the district center, or the sales office. Or you may disperse | distribute and install in multiple units | sets.

It is a functional block diagram of the entry transaction system of the present invention. It is a system conceptual diagram of the present invention. It is a database block diagram of an authentication information storage part. It is a figure which shows the operation | movement at the time of account opening. It is a figure which shows the operation | movement at the time of payment | withdrawal. It is a figure which shows the operation | movement at the time of account cancellation | release. It is a figure which shows the operation | movement at the time of iris re-registration.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Financial transaction system 11 Window terminal 12 Host apparatus 13 Transmission path 14 Main processing server 15 Authentication server 21 Input part 22 Display part 23 Iris acquisition part 24 Printing part 25 Scanner part 26 Processing part 27 Cash machine 28 Terminal communication part 29 Terminal control part 31 Authentication Information Storage Unit 32 Authentication Communication Unit 33 Authentication Unit 34 Registration Unit 35 Authentication Control Unit

Claims (8)

In a financial transaction system comprising a financial transaction terminal for financial transaction, and an authentication device for performing personal authentication based on information from the financial transaction terminal,
The financial transaction terminal
An authentication information acquisition unit for acquiring an image for biometric authentication from a customer;
A terminal communication unit for communicating with the authentication device to perform identity verification based on the acquired biometric information;
An account transaction processing unit that controls a financial transaction based on an authentication result obtained through the terminal communication unit;
The authentication device
An authentication information storage unit that manages biometric information of each customer in association with customer management information for identifying and managing the customer;
An authentication communication unit for acquiring biometric information from the financial transaction terminal and notifying the financial transaction terminal of an authentication result of the customer;
An authentication unit that refers to the authentication information storage unit based on the biometric information acquired by the authentication communication unit, authenticates the customer, and acquires customer management information as an authentication result. Financial transaction system. In an authentication device that performs personal authentication based on information from a financial transaction terminal in order to perform a financial transaction in response to a request from an authenticated customer,
An authentication information storage unit that manages biometric information of each customer in association with customer management information for identifying and managing the customer;
An authentication communication unit for obtaining the biometric information of the customer acquired at the financial transaction terminal from the financial transaction terminal, and notifying the financial transaction terminal of the authentication result of the customer;
An authentication apparatus comprising: an authentication unit that refers to the authentication information storage unit based on the acquired biometric information, authenticates the customer, and acquires customer management information as an authentication result. In financial transaction terminals that perform financial transactions in response to requests from authorized customers,
In a financial transaction terminal that performs financial transactions in response to customer requests,
An authentication information acquisition unit for acquiring an image for biometric authentication from a customer;
A terminal communication unit for communicating with the authentication device to perform identity verification with the authentication device based on the acquired biometric information;
When customer management information managed in association with the biometric information is acquired from the authentication device as an authentication result, an account transaction processing unit that controls a financial transaction based on the authentication result is provided. Financial transaction terminal.   2. The financial transaction system according to claim 1, wherein the financial transaction is at least one of a withdrawal process, an account cancellation process, a biometric information re-registration process, a transfer process, and a transfer process. The authentication information storage unit holds seal stamp information and password information in association with the customer management information,
The authentication information acquisition unit has a function of acquiring at least one of a seal image and a password together with customer management information from the customer,
When the financial transaction indicates a biometric information re-registration process,
The authentication unit is based on either the image of the seal imprint and the password information acquired by referring to the authentication information storage unit based on customer management information acquired from the customer by the financial transaction device. 2. The financial transaction system according to claim 1, wherein identity authentication is performed, and re-registration permission for the authenticated customer's biometric information is obtained as an authentication result. The biological information is iris information,
The financial transaction system according to claim 1, wherein the authentication unit authenticates a customer based on iris information.   The financial transaction system according to claim 1, wherein the financial transaction terminal is a window terminal provided at a window of a financial institution and operated by a staff member of the financial institution. In a financial transaction method in a financial transaction system comprising a financial transaction terminal for financial transaction, and an authentication device that performs personal authentication based on information from the financial transaction terminal,
Obtaining an image for biometric authentication from a customer at the financial transaction terminal;
Communicating with the authentication device to perform identity verification based on the acquired biometric information;
In the authentication device that has acquired the biometric information from the financial transaction terminal, referring to an authentication information storage unit that manages the biometric information of the customer, authenticating the user, and acquiring customer management information of the authenticated customer;
Notifying the customer transaction information from the authentication device to the financial transaction terminal;
A financial transaction method characterized in that the financial transaction terminal that receives the notification performs control for financial transaction based on the customer management information.

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