JP2006227769A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To achieve safety improvement corresponding to various use forms for dealing with an investment trust or a foreign currency deposit as maintaining convenience of a transaction, in an automatic transaction device having a biological authentication means. <P>SOLUTION: This automatic transaction device has a plurality of individual authentication information input means 401-408, and has a storage means 410 storing one piece used so as to execute authentication among a plurality of pieces of individual authentication information in each account. An individual authentication number and kind can be set in each the account according to the use form of a user. In the case of the transaction using an account of a large deposit amount or an account dealing with the investment trust, safety is improved by executing a large number of pieces of individual authentication. In the case of the transaction using an account such that living expenses are paid, the individual authentication is set to be minimum to maintain the convenience. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an automatic automatic transaction apparatus.

  In recent years, automatic transaction apparatuses used in financial institutions and the like have come to handle investment trusts and foreign currency deposits, and their usage forms have diversified. On the other hand, an ID card and a personal identification number are often used in the personal authentication unit of the automatic transaction apparatus as before. In personal authentication using an ID card and a personal identification number, there has already been a problem that another person impersonates an original user due to theft or forgery of the personal identification card or leakage of the personal identification number. There is a need for technology to ensure safety, including not only ordinary deposits but also accounts that handle investment trusts and foreign currency deposits.

  As a technique for improving the safety of transactions for a specific account, there is a method disclosed in Japanese Patent Laid-Open No. 2002-207883 (Patent Document 1). In the above method, when a withdrawal transaction is executed in a specific account, one personal authentication is performed separately from the personal identification number and the personal identification number so that others cannot illegally execute the withdrawal transaction. However, the object of safety improvement was limited to withdrawal transactions.

  Safety can be improved by using biometric authentication means, which is a general technique. The biometric authentication unit is a personal authentication unit that uses different physical characteristics for each individual, and includes face authentication, voiceprint authentication, fingerprint authentication, palmprint authentication, finger vein authentication, palm vein authentication, iris authentication, retina authentication, and the like. The safety of personal authentication is improved by combining authentication using an ID card and a personal identification number and biometric authentication.

  The method according to Japanese Patent Laid-Open No. 2001-331801 (Patent Document 2) further improves safety by using a combination of a plurality of biometric personal authentications. However, there is a problem that it takes time to perform a plurality of personal authentications, and convenience is lowered.

JP 2002-207883 A

JP 2001-331801 A

  An automatic transaction apparatus that improves safety while maintaining convenience is provided.

  In order to solve the above problems, the present invention provides a plurality of input means for acquiring personal authentication information, a feature extraction means for extracting feature information used for authentication from information input from the plurality of input means, and use in advance First storage means for storing a plurality of feature information of the person, authentication means for comparing the information output from the feature extraction unit with the information stored in the first storage means, and performing personal authentication And second storage means for storing for each account which of the plurality of personal authentication information is used for authentication.

By the above means, the user can have a plurality of accounts with different security. For example, accounts for frequently used living expenses and accounts with large assets (such as investment trust accounts and large time deposits) are usually separate accounts. When performing the transaction using the former, it is set to perform authentication using a password and an ID card as usual. When doing transactions using the latter, set up to perform multiple personal authentication such as password and iris authentication, retina authentication, fingerprint authentication, finger vein authentication, palm vein authentication, face authentication, etc. To do.
As described above, according to the present invention, the number and type of personal authentication can be set according to the usage form of an account, and safety can be improved while maintaining convenience.

  Embodiment 1 of the present invention will be described below with reference to the drawings. FIG. 1 shows the appearance of an automatic transaction apparatus according to the present invention, where 100 is a housing of the automatic transaction apparatus, 101 is a bankbook entry / exit, 102 is an ID card entry / exit, 103 is a deposit / withdrawal port, and 104 is a touch panel type liquid crystal. A display input device such as a display, 110 is a camera, 111 is an iris sensor, 112 is a microphone, 113 is a retina sensor, 114 is a fingerprint sensor, 115 is a palm print sensor, 116 is a finger vein sensor, and 117 is a palm vein sensor.

  FIG. 2 shows a block diagram of an automatic transaction apparatus according to the present invention, in which 200 is a banknote handling section for transporting and storing banknotes, 201 is a personal authentication section, 202 is a discrimination section, and 203 is communication with the outside. , 104 is a display input unit such as a touch panel type liquid crystal display, 204 is an I / O interface, 205 is an auxiliary storage unit such as an HDD, 206 is a control CPU (central processing unit), 207 is a main storage unit, These are connected to each other as shown in the figure. The CPU 206 controls each unit shown in FIG. 2 by executing a control program stored in the main storage unit 207.

  FIG. 3 shows information stored in the auxiliary memory. As shown by 300, personal authentication to be executed for each user, each account, and each transaction type is stored. If the settings are subdivided, it will be a burden on the user. Therefore, a method or account that sets the individual authentication to be performed for each user and each account, or sets for each user without setting for each type of transaction. There is also a method of setting for each type of transaction without setting for each. Moreover, since it is generally necessary to increase the safety of withdrawal, transfer, and trading of financial products rather than depositing, it is preferable to set biometric authentication to make personal authentication more strict. For example, extremely safe personal authentication such as retina authentication is used for withdrawals and purchases / sales of financial products. On the other hand, if there is no biometric authentication in accounts / transactions where convenience is important, there are advantages such as shortening the time required for transactions and enabling transactions even with automatic transaction devices without biometric authentication functions. is there. Note that the information shown in FIG. 3 may be registered in an ID card instead of the auxiliary storage of the automatic transaction apparatus. Or you may make it record on the center server which can be connected via a network from the communication part of an automatic transaction apparatus, and may access and confirm a center server in the case of a transaction.

  FIG. 4 is a block diagram showing the inside of the personal authentication unit. 401 is an iris sensor, 402 is a retina sensor, 403 is a finger vein sensor, 404 is a palm vein sensor, 405 is a face authentication camera, and 406 is a voiceprint authentication. 407 is a fingerprint sensor, 408 is a palm print sensor, 409 is an I / O, 410 is an auxiliary storage unit such as an HDD, 411 is a CPU, and 412 is a main storage unit. The auxiliary storage unit 410 stores a feature amount (biometric information feature amount) extracted from the user's biometric information in advance. In addition, said sensor is mentioned as an example of a biometric authentication sensor, It is not restricted to these, You may additionally mount the sensor which can be used for biometric authentication. Further, it is not necessary to provide all of these sensors, and an automatic transaction apparatus that can use at least one of the biometric authentication sensors as necessary falls within the scope of this embodiment. Moreover, the data about these biometric information feature quantities may be registered not in the auxiliary storage unit of the automatic transaction apparatus but in the ID card. Or you may make it record on the center server which can be connected via a network from the communication part of an automatic transaction apparatus, and may access and confirm a center server in the case of a transaction. The CPU 411 of the personal authentication unit executes a personal authentication program stored in the main storage unit 412 to perform personal authentication with reference to each sensor and user ID information and biometric information feature amount. The result is notified to the CPU 206 in FIG. 2 or the display on the display input unit is controlled.

  At the time of personal authentication, the user ID read from the ID card or input by the user and the biometric information of the user from each sensor are input. The CPU 411 extracts a feature amount corresponding to the user from the biometric information feature amount recorded in the auxiliary storage unit 410 based on the user ID. The CPU 411 extracts a feature amount from the biological information input from each sensor, compares it with the biological information feature amount extracted from the auxiliary storage unit 410, and determines whether or not the user is the user.

  FIG. 5 is a flowchart showing a procedure of personal authentication at the time of transaction. 6 to 10 show examples of screens of the display device 104. FIG.

  An execution procedure of personal authentication in the first embodiment will be described with reference to FIG. First, the user inserts an ID card into the ID card entrance 102. At this time, if necessary, a passbook is also inserted into the passbook entry / exit 101. It is authenticated whether the inserted ID card is a card that can be used in the device (500). It is determined whether or not the ID card can be used (501). If the ID card cannot be used, the inserted ID card and passbook are returned to the ID card entrance 102 and the normal entrance 101, respectively, and the transaction is terminated.

  If the ID card is available, the user accepts input regarding the account to be traded, the type of transaction, and the transaction amount (502). The types of transactions are, for example, deposit, withdrawal, transfer, bankbook entry, balance confirmation, financial product purchase, financial product sale, and the like. At this time, in order for the user to select an account, the automatic transaction apparatus displays a screen as shown in FIG. A part corresponding to the user ID, the account selected by the user, and the type of transaction is searched from the information 300 in the auxiliary memory 205, and the personal authentication to be executed is determined (503). At this time, the user is informed of the contents of personal authentication to be executed as shown in FIG. Note that the setting may be such that the personal authentication executed according to the transaction amount is changed.

  An unexecuted personal authentication is executed from a plurality of personal authentications (504). At this time, for example, a screen as shown in FIG. 8 is displayed to the user. FIG. 8 shows a state where personal authentication necessary for executing a transaction is password, face authentication, fingerprint authentication, and finger vein authentication, and password authentication has already been completed and face authentication is being executed. ing. Next, it is determined whether or not the authentication has passed (505).

  If the authentication fails, the fact is transmitted as shown in FIG. 10, and an input indicating whether to execute again or stop the transaction is accepted (509). FIG. 10 shows an example when face authentication fails. The result of 509 is determined (510). If the personal authentication continuation is input, the personal authentication is executed again (504). Otherwise, the transaction is terminated. It should be noted that the transaction is also terminated when the authentication cannot be passed for a predetermined number of times.

  If the authentication is passed in the determination 505, it is notified that the authentication is correctly performed as shown in FIG. Subsequently, it is determined whether or not all personal authentications have passed (506), and if all personal authentications have not been completed, personal authentication that has not yet been executed is subsequently executed (504). If all personal authentications have been completed, the user is asked to determine a business partner as necessary (507), and the transaction is executed accordingly (508), and the process is terminated.

  The information 300 written in the auxiliary storage 205 can be freely set by the user after passing a plurality of personal authentications. The personal authentication used in this case is, for example, all personal authentication installed in the apparatus. In addition, for example, it is assumed that it is set by an operator (bank, post office, etc.) of the automatic transaction apparatus.

  An example of the screen when the user sets the information 300 written in the auxiliary memory 205 is shown in FIG. When the user selects an account and transaction type, personal authentication is listed. Of the enumerated personal authentication, check the ones to be executed.

  It is also possible for the operator of the apparatus (bank, post office, etc.) to set a limit on the degree of freedom of setting in advance and allow the user to set within the limit. First, as shown in FIG. 17, information 1700 of a safety standard for each personal authentication is set. The safety in the information 1700 indicates that the safety increases in the order of C, B, and A. However, the ranking of the safety of each individual authentication in the information 1700 is an example. If the information 1700 is used, for example, it is possible to limit the safety A personal authentication to be set for a large time deposit account of 10 million yen or more. Further, for example, it is possible to limit that a safety deposit B or more must be set for a time deposit of 1 million yen or more.

  Embodiment 2 of the present invention will be described below with reference to the drawings. FIG. 11 shows the configuration of the second embodiment. Reference numeral 1100 denotes an automatic transaction apparatus, and 1101 denotes a personal authentication apparatus. The automatic transaction apparatus 1100 is an automatic transaction apparatus excluding some or all of the sensors 401 to 408 for personal authentication in the automatic transaction apparatus 100 shown in FIG. The personal authentication device 1101 includes the personal authentication sensor except for the above.

  In the first embodiment, high-cost but highly secure sensors for personal authentication such as iris authentication and retina authentication are installed in each automatic transaction apparatus. However, there are cases in which the user does not want such a secure transaction. Therefore, a high-cost sensor is not mounted on the automatic transaction apparatus 1100 but only on a separately installed personal authentication apparatus 1101. In this way, it is possible to increase the security of personal authentication with a minimum cost increase. A plurality of personal authentication devices 1101 may be installed. The automatic transaction apparatus 1100 and the personal authentication apparatus 1101 are preferably installed in the same facility (bank, post office, etc.) for safety.

  Transactions that can be executed only by personal authentication installed in the automatic transaction apparatus 1100 are executed based on the same procedure (flow chart in FIG. 5) as in the first embodiment. On the other hand, the case of a transaction requiring high safety will be described based on the flowcharts of FIGS.

  FIG. 12 is a flowchart showing a procedure for personal authentication in the personal authentication apparatus 1101. Only the processes of 507 and 508 are different from the flowchart of FIG. If all personal authentications have passed in the decision 506, the user ID, the account number to be used, the ID of the device used for authentication, and authentication for each automatic transaction apparatus 1100 connected to the personal authentication apparatus The time of passing is transmitted (1200). A flag indicating that a part of the authentication has been passed and the ID of the device used for the authentication are stored in the ID card (1201), and the process ends.

  FIG. 13 is a flowchart showing the processing contents in the automatic transaction apparatus 1100. First, the user inserts an ID card into the ID card entrance / exit 102 of the automatic transaction apparatus. At this time, if necessary, a passbook is also inserted into the passbook entry / exit 101. Thereafter, the automatic transaction apparatus authenticates whether the inserted ID card is an ID card that can be used by the apparatus (500). Whether or not the ID card can be used is determined (501). If the ID card is not available, the inserted ID card or passbook is returned to end the transaction. If the ID card is available, the automatic transaction apparatus 1100 checks the flag stored in the ID card and determines whether or not a part of personal authentication has been passed by the personal authentication apparatus 1101 (1300). . If some of the personal authentications have been passed, the remaining personal authentications are carried out according to the account indicated on the ID card and the type of transaction (504).

  If a part of the personal authentication has been passed in the determination 1300, the determination 1301 is performed. The user ID transmitted from the personal authentication device 1101 and the ID of the personal authentication device 1101 used for authentication are compared with the user ID recorded on the ID card and the ID of the personal authentication device 1101 used for authentication. (1301). That is, it is determined whether the user ID and the personal authentication device ID are appropriate. The personal authentication device 1101 transmits the time when the user passed the authentication, and determines whether the time is not more than a predetermined time away from the time when the ID card is inserted into the automatic transaction device 1100. (1301). That is, it is determined whether or not the prior authentication time is appropriate. The predetermined time is a time when there is no problem when it is estimated that the person authenticated by the personal authentication device and the person who inserted the ID card into the automatic transaction device are the same person. Is.

  In decision 1301, if any one of the user ID, personal authentication device ID, and prior authentication time is not appropriate, the transaction is terminated.

  If it is determined in the decision 1301 that the user ID, personal authentication device ID, and prior authentication time are all appropriate, an input is subsequently received regarding the account, type of transaction, and transaction amount to be traded with the user (502). The personal authentication to be executed is determined in accordance with the account selected by the user, the type of transaction, and the information 300 written in the auxiliary storage 205 (503). In addition, you may change the personal authentication performed by transaction amount.

  Next, it is determined whether or not the personal authentication determined to be executed can be executed by the automatic transaction apparatus (1302). If it can be executed, personal authentication is executed (504). If not feasible, the ID card and passbook are returned to the user and the transaction is terminated. At this time, guidance as shown in FIG. 16 is displayed to the user.

  Subsequently, a determination process is performed based on whether or not the authentication is passed (505). If the authentication fails, input of whether to execute personal authentication again or stop the transaction is accepted (509), and the result is judged (510). If the personal authentication continuation is input, the personal authentication is executed again (504). If not, the ID card and the passbook are returned to end the transaction. However, even when the authentication cannot be continued for a predetermined number of times or more, the ID card or passbook is returned to end the transaction.

  If the authentication is passed in the determination 505, it is determined whether or not all the personal authentications are passed (506). If all the personal authentications are not passed, the personal authentication that has not been executed is continued. Execute (504). If all personal authentication has been completed, the customer information determined by the user is accepted as necessary (507), the transaction is executed accordingly (508), and the ID card and passbook are returned and terminated.

  The user determines whether to go directly to the automatic transaction apparatus 1100 or to use the personal authentication apparatus 1101 depending on the account to be used and the type of transaction. Even if the judgment at this time is not strict, no particular problem occurs. When the transaction cannot be handled by the personal authentication of the automatic transaction apparatus 1100, a guidance as shown in FIG. 16 is issued and the personal authentication apparatus 1101 is used for guidance. If the transaction does not require personal authentication of the personal authentication device 1101, the transaction ends without performing personal authentication as shown in the flowchart of FIG.

  In the first or second embodiment, it is possible to determine the type and number of personal authentication according to the balance of the account. Information stored in the auxiliary storage 205 at this time is shown in FIG. In FIG. 14, reference numeral 1400 denotes information stored in the auxiliary storage 205. The information 1400 is set so that the type and number of personal authentication can be set for each user, each balance, and each transaction type. As a screen at the time of setting, for example, in FIG. 15, the part for selecting an account is replaced to select a balance.

  The effect of the third embodiment is effective when, for example, a large amount of money is used as an account, which was initially deposited with a small amount. When the balance of the account exceeds a preset amount, strict personal authentication is automatically performed.

  In the second embodiment, the personal authentication device 1101 can be a portable terminal. The case where wireless communication is performed between the portable terminal and the ID card, or the case where the function of the ID card is built in the portable terminal itself can be considered. In either case, personal authentication can be performed in the same procedure as in FIGS. However, before executing the flow of FIG. 12, it is necessary to perform an operation on the mobile terminal and instruct to execute authentication for using the automatic transaction apparatus.

  The fourth embodiment has an effect of speeding up the transaction. For example, if fingerprint authentication or the like is executed in advance on a mobile terminal and the mobile terminal is used in place of an ID card, a quick transaction is possible. However, since the presence / absence of the personal authentication device of the mobile terminal differs for each user, it is more convenient that the personal authentication device provided in the mobile terminal is also provided in the automatic transaction device 1100.

  The present invention is suitable for use in an automated teller machine (ATM) used in banks, post offices, convenience stores and the like.

FIG. The automatic transaction apparatus block diagram. Personal authentication setting information. The block diagram of a personal authentication apparatus. 5 is a flowchart of personal authentication in the first embodiment. Account selection screen. Personal authentication guide screen. Authentication implementation screen. Authentication pass notification screen. Authentication result notification screen. Automatic transaction device and personal authentication device. 10 is a flowchart of personal authentication in the second embodiment. 10 is a flowchart of personal authentication in the second embodiment. The storage contents of the auxiliary storage 205 in the third embodiment. Personal authentication setting screen. Guidance screen when personal authentication is not possible. Ranking of personal authentication safety.

Explanation of symbols

100 Appearance of automatic transaction apparatus, 101 Passbook entry / exit, 102 ID card entry / exit, 103 Deposit / withdrawal port, 104 Display input device, 110 Camera, 111 Iris sensor, 112 Microphone, 113 Retina sensor, 114 Fingerprint sensor, 115 Palm print sensor, 116 finger vein sensor, 117 palm vein sensor,
200 bill transport device, 201 personal authentication device, 202 identification device, 203 external communication device, 204 I / O interface, 205 auxiliary storage, 206 CPU for control, 207 main memory,
300 Contents stored in the auxiliary memory 205,
401 Iris sensor, 402 Retina sensor, 403 Finger vein sensor, 404 Palm vein sensor, 405 Face authentication camera, 406 Microphone, 407 Fingerprint sensor, 408 Palmprint sensor, 409 I / O interface, 410 Auxiliary memory, 411 CPU, 412 Main memory,
600 account selection screen, 700 personal authentication guidance screen, 800 authentication execution screen, 900 authentication pass notification screen, 1000 authentication result notification screen,
1100 Automatic transaction apparatus in Example 2,
1101 personal authentication device;
1400 Contents stored in the auxiliary storage 205 in the third embodiment,
1500 personal authentication selection screen, 1600 guidance screen when personal authentication cannot be implemented,
1700 Personal authentication safety ranking.

Claims (20)

An operation input unit that is an automatic transaction apparatus and receives an operation from a user about transaction contents;
An authentication information input unit including a first authentication information acquisition unit for acquiring at least one biometric authentication information and a second authentication information acquisition unit for inputting authentication information other than biometric authentication;
A feature extraction unit for extracting feature information used for authentication from the information input from the authentication information input unit;
An authentication unit for performing personal authentication by comparing the information of the feature extraction unit with at least one of a plurality of feature information of users registered in advance;
Which of the plurality of personal authentication information is used to perform authentication is determined according to a user, account, or transaction content based on pre-registered registration content information, and the authentication is performed according to the determination The automatic transaction apparatus provided with the calculating part which controls an information input part, the said feature extraction part, and the said authentication part. The automatic transaction apparatus according to claim 1, wherein information on which authentication is executed using which of the plurality of personal authentication information is stored for each user and for each account balance, in the registration content information. The computing unit inquires of the balance of the account based on information about the account among transaction contents input from the operation input unit, and determines personal authentication information to be used according to the balance of the account. Automatic transaction equipment. 3. The automatic transaction apparatus according to claim 1, wherein the registration content information includes information on which of the plurality of personal authentication information is used for authentication for each user, each account, and transaction information. Stored for each type, and the calculation unit determines personal authentication information to be used based on information about the type of account and transaction among transaction contents input from the operation input unit. . The automatic transaction apparatus according to any one of claims 1 to 3, wherein the registration content information includes information on which of the plurality of personal authentication information is used for authentication for each user and a transaction amount. The automatic transaction apparatus is characterized in that the calculation unit determines personal authentication information to be used based on information on a transaction amount among transaction contents input from the operation input unit. 5. The automatic transaction apparatus according to claim 1, wherein at least one of authentication information acquisition means provided in the first authentication information acquisition unit is provided in a separate apparatus accessible from the automatic transaction apparatus. A third authentication information acquisition unit to be used in place of the automatic transaction apparatus. 6. The automatic transaction apparatus according to claim 5, wherein the separate apparatus is a mobile terminal. The automatic transaction apparatus according to any one of claims 1 to 6, wherein a user determines which of a plurality of pieces of personal authentication information is used for authentication among information stored in the registered content information. Automatic transaction device that can be set. The automatic transaction apparatus according to claim 7, wherein when the user sets which of a plurality of pieces of personal authentication information to use for authentication among the information stored in the second storage unit, An automatic transaction apparatus characterized by preliminarily setting personal authentication that can be set in advance according to the type of account and the type of transaction. 9. The automatic transaction apparatus according to claim 1, wherein the number of personal authentication at the time of withdrawal is larger than the number of personal authentication at the time of payment. An operation input unit that receives an operation from the user regarding the transaction contents, a first authentication information acquisition unit for acquiring at least one biometric authentication information, and a second authentication for inputting authentication information other than biometric authentication An authentication information input unit including an information acquisition unit, a feature extraction unit that extracts feature information used for authentication, and at least one of the information of the feature extraction unit and a plurality of feature information of users registered in advance An automatic transaction method in an automatic transaction apparatus having an authentication unit for performing personal authentication by comparing
A first step of determining a personal authentication item to be executed with reference to registration content information registered in advance based on the input transaction content;
A second step of receiving an input of authentication information from the authentication information input unit based on the determined personal authentication item;
A third step of extracting feature information from the information input from the authentication information input unit in the feature extraction unit;
A fourth step of performing authentication by comparing the extracted feature information with the feature information corresponding to the determined personal authentication item among the feature information of the user registered in advance;
An automatic transaction method comprising: a fifth step of processing the input transaction content when the authentication is successful. The automatic transaction method according to claim 10, wherein information on which authentication is executed using which of the plurality of personal authentication information is stored for each user and each account balance, in the registration content information,
In the first step, the balance of the account is inquired based on information about the account among the transaction contents input from the operation input unit, and personal authentication information to be used is determined according to the balance of the account. An automatic transaction method characterized by The automatic transaction method according to claim 10 or 11, wherein the registration content information includes information on which of the plurality of personal authentication information is used for authentication for each user and for each account or transaction. Stored by type and / or transaction amount,
In the first step, personal authentication information to be used is determined based on information about an account, a type of transaction, or a transaction amount among transaction contents input from the operation input unit. The automatic transaction method according to any one of claims 10 to 12, wherein at least one of authentication information acquisition means provided in the first authentication information acquisition unit is provided in a separate device accessible from the automatic transaction apparatus. In the automatic transaction method, the third authentication information acquisition unit is substituted, and the authentication information input from the third authentication information acquisition unit is received in the second step. 14. The automatic transaction method according to claim 13, wherein in the second step, the time when the authentication information is acquired by the third authentication information acquisition unit and the transaction content input from the operation input unit are performed. An automatic transaction method characterized in that an input from the third authentication information acquisition unit is treated as a valid authentication information input only when an interval from the received time is within a predetermined time. 15. The automatic transaction method according to claim 10, wherein a user determines which of a plurality of pieces of personal authentication information is used for authentication among information stored in the registered content information. Automatic trading method that can be set. An operation input unit that receives an operation from the user regarding the transaction contents, a first authentication information acquisition unit for acquiring at least one biometric authentication information, and a second authentication for inputting authentication information other than biometric authentication An authentication information input unit including an information acquisition unit, a feature extraction unit that extracts feature information used for authentication, and at least one of the information of the feature extraction unit and a plurality of feature information of users registered in advance A program executed in the calculation unit of the automatic transaction apparatus having an authentication unit that performs personal authentication by comparing the calculation unit and the calculation unit,
A first step of determining a personal authentication item to be executed with reference to registration content information registered in advance based on the input transaction content;
A second step of receiving an input of authentication information from the authentication information input unit based on the determined personal authentication item;
A third step of extracting feature information from the information input from the authentication information input unit in the feature extraction unit;
A fourth step of performing authentication by comparing the extracted feature information with the feature information corresponding to the determined personal authentication item among the feature information of the user registered in advance;
Is executed by the calculation unit. The program according to claim 16, wherein the registration content information includes information on which of the plurality of personal authentication information is used for authentication for each user and each account balance,
In the first step, a process of inquiring a balance of the account based on information about an account among transaction contents input from the operation input unit, and determining personal authentication information to be used according to the balance of the account Is executed by the calculation unit. 18. The program according to claim 16 or 17, wherein the registration content information includes information on which of the plurality of personal authentication information is used for authentication for each user and for each account or each transaction type. Or at least one per transaction amount,
In the first step, causing the arithmetic unit to execute processing for determining personal authentication information to be used based on information about an account, a transaction type, or a transaction amount among transaction contents input from the operation input unit. A program characterized by The program according to any one of claims 16 to 18, wherein at least one of authentication information input means provided in the first authentication information acquisition unit is provided in a separate device accessible from the automatic transaction apparatus. A program that substitutes a third authentication information acquisition unit, and causes the arithmetic unit to execute processing for receiving authentication information input from the third authentication information acquisition unit in the second step. 20. The program according to claim 19, wherein in the second step, the time when the authentication information is acquired by the third authentication information acquisition unit and the transaction content input from the operation input unit are performed. A program that causes the arithmetic unit to execute a process that treats an input from the third authentication information acquisition unit as a valid authentication information input only when the time interval is within a certain time.

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