JP2006293620A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform automatic transaction by identifying in a biological authentication system desired by a user in an automatic transaction system for performing biological authentication for automatic transaction. <P>SOLUTION: A portable communication terminal (1) having a biological authentication function is used, and when personal identification is performed by biological authentication in the portable communication terminal (1), account data are transmitted from the portable communication terminal (1) to an automatic transaction device (2) so that automatic transaction can be performed. Thus, it is possible to improve the convenience of a user while using a biological authentication system for automatic transaction in the automatic transaction device. Also, it is possible for a user to perform automatic transaction by selecting his or her desired biological authentication system from among a plurality of existing biological authentication systems by purchasing the portable terminal with his or her desired biological authentication system. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system for performing biometric authentication and performing automatic transaction processing, and in particular, using an automatic transaction apparatus and a mobile communication apparatus that perform automatic transaction processing using the biometric authentication function of the portable communication apparatus. It relates to an automatic transaction system.

  With recent development of information processing technology, various types of fraudulent transactions using electronic data have become prominent. In particular, along with the establishment of identity verification using a password using a card, the relationship between the card data and the password is known, and the acquisition of illegal card data and passwords has become prominent and the damage is also increasing.

  As a method for solving the problem of the method based on the password, various biometric authentication techniques using the characteristics of a human biological body are provided. For example, biometric fingerprints, irises, facial features, blood vessel images (palms and fingers) have been proposed. In such a biometric authentication technique, own biometric feature data is registered in a personal card. In order to make a transaction by biometric authentication, the biometric information reader provided in the transaction device acquires the biometric information of the individual, compares it with the registered biometric data of the personal card, and can make a transaction based on the comparison result. (For example, refer to Patent Document 1).

In addition, when an individual has a portable electronic authentication device and operates an automatic transaction machine, he / she inputs a password into the portable electronic authentication device, performs a password verification with the portable electronic authentication device, and performs authentication. A method for notifying an automatic transaction machine of an authentication result has also been proposed (see, for example, Patent Document 2).
JP 2001-067523 A US Pat. No. 5,917,913

  However, in the first prior art, since only a specific biometric unit can be mounted on the automatic transaction apparatus, there is an inconvenience that the user cannot select a desired biometric authentication method from a plurality of biometric authentication methods. . For example, when one biometric authentication method is adopted at financial institution A, the user cannot select another biometric authentication method. If A financial institution adopts one biometric authentication method, and B financial institution adopts another biometric authentication method, the user uses a biometric authentication that allows mutual transaction. Can not trade.

  As described above, the biometric authentication technique is an extremely effective method against fraudulent transactions. However, since various biometric authentication methods are adopted, the user cannot select the biometric authentication method, which is inconvenient for the user. There are often.

  On the other hand, in the second conventional technique, the personal identification device is simply used for the personal identification device, and similarly, the possibility of unauthorized use cannot be excluded, but the device is lost or stolen. Since it is easy to be used illegally, it is necessary for the user to pay attention, which is inconvenient for the user.

  Accordingly, an object of the present invention is to provide an automatic transaction system using a mobile communication device and an automatic transaction apparatus for improving user convenience while utilizing a biometric authentication method.

  Another object of the present invention is to provide an automatic transaction apparatus and an automatic transaction system using a portable communication device for selecting a desired biometric authentication method from a plurality of existing biometric authentication methods and performing automatic transactions. is there.

  Furthermore, another object of the present invention is to provide an automatic transaction apparatus that performs automatic transaction using a desired biometric authentication method and an automatic transaction system that uses the portable communication apparatus by using a portable communication apparatus having a desired biometric authentication function. There is to do.

  In order to achieve this object, an automatic transaction system according to the present invention includes a portable communication terminal having a non-contact communication function and a biometric authentication function, and an automatic transaction apparatus that performs automatic transaction operation by communicating with the portable communication terminal. The mobile communication terminal performs identity verification by the biometric authentication function, and when the identity verification is good, the contact data registered in the mobile communication terminal is transferred to the automatic transaction device by the non-contact communication function. And the automatic transaction apparatus receives the account data and executes an automatic transaction operation related to the account data by a user operation.

  The automatic transaction apparatus of the present invention is an automatic transaction apparatus that performs automatic transaction operation by communicating with a portable communication terminal having a non-contact communication function and a biometric authentication function, and the biometric authentication function of the portable communication terminal A reading unit that reads account data registered in the mobile communication terminal transmitted by the non-contact communication function when the identity verification is good, and a control unit that controls a customer operation unit according to the account data; And an automatic transaction mechanism for executing an automatic transaction operation relating to the account data in response to a user operation by the customer operation unit.

  In the present invention, it is preferable that the automatic transaction apparatus activates the reading unit of the mobile communication terminal in response to selection of a service using the mobile communication terminal from a customer operation unit.

  In the present invention, it is preferable that the mobile communication terminal acquires authenticated account data by communication.

  In the present invention, it is preferable that the mobile communication terminal is a mobile phone having a biometric authentication function.

  Furthermore, in the present invention, preferably, the automatic transaction apparatus is an apparatus that performs an automatic transaction operation by a customer operation.

  In the present invention, it is preferable that the automatic transaction apparatus includes a customer operation unit that allows a user to input a password for the automatic transaction operation.

  In the present invention, it is preferable that the mobile communication terminal stores the registered biometric information and the electronic certificate of the biometric information, and validates the electronic certificate during the biometric authentication. Check.

  In the present invention, it is preferable that the mobile communication terminal notifies the validity check result of the electronic certificate together with the account data to the automatic transaction apparatus, and the automatic transaction apparatus transmits the validity check. The presence / absence of the user's password check is determined according to the result.

  In the present invention, it is preferable that the mobile communication terminal notifies the validity check result of the electronic certificate together with the account data to the automatic transaction apparatus, and the automatic transaction apparatus transmits the validity check. Depending on the result, the transaction limit of the automatic transaction is changed.

  Since the mobile terminal having a biometric authentication function is used for automatic transaction, the convenience of the user can be improved while using the biometric authentication method for automatic transaction in the automatic transaction apparatus. In addition, by purchasing a portable terminal of a desired biometric authentication method, the user can select a desired biometric authentication method from a plurality of biometric authentication methods and perform automatic transactions. That is, it is possible to construct an automatic transaction system having a biometric authentication function by selection on the user side, not on the logic on the installation side of the automatic transaction apparatus.

  Hereinafter, embodiments of the present invention will be described in the order of an automatic transaction system, automatic transaction processing using a mobile communication device, and other embodiments. However, the present invention is not limited to this embodiment.

[Automatic trading system]
1 is a configuration diagram of an automatic transaction system according to an embodiment of the present invention, FIG. 2 is a configuration diagram of a portable communication device having a biometric authentication function of FIG. 1, and FIG. 3 is an explanation of the automatic transaction operation of FIG. FIG. The automatic transaction system of FIG. 1 shows an ATM (Automated Teller Machine) used in a financial institution as an example.

  As shown in FIG. 1, the mobile communication terminal 1 has a biometric authentication unit 10. The mobile communication terminal 1 is composed of a mobile phone having a data read / write function for a non-contact IC card. As will be described later with reference to FIG. 2, this mobile phone is preferably a mobile phone equipped with a fingerprint authentication unit and compatible with Felica (registered trademark). For example, NTT DoCoMo F901i (manufactured by Fujitsu Limited) has a fingerprint authentication function and is equipped with a FeliCa-compatible i application.

  The automatic machine 2 is composed of an automatic cash transaction machine. That is, the automatic machine 2 includes a control unit 20, a memory (magnetic disk device) 22, a customer operation unit 23, a card unit 24, a cash unit 25, and a line control unit 26. The card unit 24 reads a magnetic card / IC card inserted from a card slot (not shown) and returns it to the slot. The card unit 24 optically reads a card (embossed portion) by an image sensor. Further, the card unit 24 prints the transaction result on the receipt paper with the print head, and discharges the printed receipt to the card entrance.

  The UOP unit (customer operation unit) 23 includes a display with a touch panel (screen display unit 23-1 and key input touch panel 23-2) 23-1, 23-2, a voice guidance unit 23-3, and a customer sensor 23-. It is composed of four.

  The cash unit 25 is composed of a recycle type banknote / coin depositing / dispensing machine, and discriminates and counts banknotes / coins inserted from banknotes / coin inlets, and banknote storage sections for storing banknotes / coins. (Stacker) and a unit control unit for performing a depositing operation for storing the counted banknotes / coins in the stacker, and for performing a dispensing operation for taking out the requested banknotes / coins from the stacker and discharging them to the banknote / coin inlet / outlet. Have.

  The line control unit 26 communicates with the host computer 5 (the host of the financial institution) via the public line 4 or the like. The control unit 20 controls the customer operation unit 23, the card unit 24, the cash unit 25, and the line control unit 26 using the program and data in the memory 22.

  Furthermore, the automatic machine 2 has a mobile communication unit 21 that communicates with the mobile terminal 1. The portable communication unit 21 is configured by a reader / writer of a non-contact IC card and is connected to the control unit 20.

  As shown in FIG. 2, the mobile terminal 1 includes a display unit 13, a key input unit 14, a long range communication unit (mobile communication unit) 15, a biometric authentication unit 10, a CPU 11, a memory 12, It has a non-contact IC card specification short range communication unit (FeliCa chip) 16 and a bus 17 for connecting them. The biometric authentication unit 10 includes a fingerprint authentication unit, and includes a sensor that reads a personal fingerprint and a verification unit. The collation unit collates the fingerprint data read from the sensor with the registered fingerprint data and performs personal authentication.

  The portable terminal 1 has a mail function including a browser, a voice telephone function, a biometric authentication function, and a non-contact IC card function. For this reason, the CPU 11 activates these functions in accordance with the key operation of the key input unit 14. Further, the memory 12 stores an i-mode (registered trademark) application program 12-1 and a transaction account number 12-2 that can be traded.

  FIG. 3 is an explanatory diagram of transaction processing in the configuration of FIG. The user activates the i-appli of the non-contact IC card function (for example, FeliCa) compatible mobile phone 1. As this menu, “xx bank mobile FeliCa service” shown on the screen G1 can be selected. When this service is selected, “identification by fingerprint verification” shown on the screen G2 is instructed. Here, the user causes the sensor of the biometric authentication unit 10 of the mobile phone 1 to read his / her fingerprint.

  The biometric authentication unit 10 verifies the identity by comparing the registered fingerprint data with the read fingerprint data. Then, if the identity verification is good, the CPU 11 displays a registration account stored in the memory 12 and a guidance screen G3 for holding the mobile phone over the ATM (automatic transaction machine) 2 on the display unit 13.

  On the other hand, the automatic transaction machine 2 uses the customer operation unit 23 as a transaction selection screen G10 to perform normal card transactions such as “deposit”, “payment”, “balance inquiry”, “passbook entry”, and transactions on mobile phones. Display the “Transaction on mobile phone” selection icon. When the user selects “transaction with mobile phone”, the automatic transaction machine 2 displays a guidance screen G12 of “Please hold your mobile phone” on the customer operation unit 23.

  When the user holds the short range communication unit 16 of the cellular phone 1 over the portable communication unit 21 of the ATM 2, the account number and the like described above are transferred from the short range communication unit 16 in a well-known non-contact IC card read / write sequence. , Non-contact communication with the portable communication unit 21 of ATM2. Upon receiving this, the ATM 1 displays a password input screen G12 on the customer operation unit 23.

  When the user inputs a password from the customer operation unit 23, an account selection screen G13 is displayed on the customer operation unit 23. On this account selection screen G13, the account numbers transmitted from the mobile phone 1 are listed. When the user selects an account to be traded from the customer operation unit 23, a transaction selection screen G14 using a mobile phone is displayed on the customer operation unit 23. On the transaction selection screen G14, only the transaction items that can be automatically traded with the mobile phone 1 are displayed. Here, only “payment”, “payment”, and “balance inquiry” can be selected.

  When the user selects a transaction item from the customer operation unit 23, the ATM 2 executes the selected transaction process.

  In this way, since the mobile terminal having the biometric authentication function is used and the automatic transaction is performed, the convenience of the user can be improved while using the biometric authentication method for the automatic transaction in the automatic transaction apparatus. In addition, by purchasing a portable terminal of a desired biometric authentication method, the user can select a desired biometric authentication method from a plurality of biometric authentication methods and perform automatic transactions. That is, it is possible to construct an automatic transaction system having a biometric authentication function by selection on the user side, not on the logic on the installation side of the automatic transaction apparatus.

[Automatic transaction processing using mobile communication devices]
Next, transaction processing of the mobile terminal 1 will be described. FIG. 4 is a process flow diagram of the i application of the mobile terminal shown in FIGS. 2 and 3.

  (S10) When the user presses the i-appli key by the key input unit 14 of the mobile terminal 1, the CPU 11 activates the i-application 12-1, and displays the i-appli menu screen on the display unit 13.

  (S12) When the user selects “xx bank mobile FeliCa service” in FIG. 3 on the displayed menu screen, the CPU 11 displays the service menu screen G1 in FIG. On this screen G1, one of “cash card transaction”, “registered account inquiry”, and “account number setting” can be selected.

  (S14) When the user selects any one of “cash card transaction”, “registered account inquiry”, and “account number setting”, the CPU 11 displays the identity confirmation screen G2 (see FIG. 3) on the display unit 13. To do. Then, the CPU 11 activates the biometric authentication unit 10. The user causes the fingerprint sensor of the biometric authentication unit 10 to read the fingerprint. The biometric authentication unit 10 performs fingerprint authentication by comparing the read fingerprint data with fingerprint data registered in advance in the memory 12. If the authentication is unsuccessful (unsuccessful), the CPU 11 retries, and if the authentication is not successful even after a predetermined number of retries, this service process is terminated and the service process is blocked.

  (S16) On the other hand, if the authentication is successful, the CPU 11 performs processing according to the transaction type selected in step S12 described above.

  (S18) When determining that the cash card transaction is selected, the CPU 11 reads the account number data 12-2 from the memory 12, and displays the ATM set screen G3 (see FIG. 3) on the display unit 13. Then, the CPU 11 activates the short range communication unit 16 to transmit registered account data. Then, when the user presses the clear key, the process returns to step S12.

  (S20) When the CPU 11 determines that the registered account inquiry is selected, the CPU 11 reads the account number data 12-2 from the memory 12, and displays a screen displaying the registered account (bank, branch, subject, account number) on the display unit 13. indicate. Then, when the user presses the clear key, the process returns to step S12.

  (S22) When determining that the account number setting has been selected, the CPU 11 calls the registration center via the long range communication unit 15. The registration center stores registered account data of users who can use this service approved by financial institutions. In response to this inquiry, the registration center downloads the user's registered account data to the mobile terminal 1. In the portable terminal 1, the long range communication unit 15 receives the registered account data and stores it in the memory 12 as the account number data 12-2. After the download is completed, the process returns to step S12 when the user presses the clear key.

  As described above, the mobile terminal 1 is configured such that the account data approved to use this service is downloaded and the user itself cannot be registered. Thereby, access to an unauthorized registration account can be prevented.

  In addition, biometric authentication is performed by fingerprint authentication on the mobile terminal 1, and if the authentication is successful, account data is communicated to the ATM. The convenience can be improved. In addition, by purchasing a portable terminal of a desired biometric authentication method, the user can select a desired biometric authentication method from a plurality of biometric authentication methods and perform automatic transactions. For example, as a biometric authentication method suitable for a mobile terminal, in addition to fingerprint authentication, authentication using a blood vessel image of a finger, a blood vessel image of a palm, an emblem, and the like are preferable.

  Next, automatic transaction processing in ATM2 will be described. FIG. 5 is an automatic transaction processing flowchart using the mobile terminal according to the embodiment of the present invention, FIG. 6 is a payment processing flowchart of FIG. 5, FIG. 7 is a deposit processing flowchart of FIG. 5 and FIG. 9 to FIG. 14 are explanatory diagrams of the customer operation screen.

  (S30) The control unit 20 displays a customer waiting screen (V1 in FIG. 9) on the screen 23-1 of the customer operation unit 23. This screen V1 includes “deposit”, “drawer”, “balance inquiry”, “transfer”, “multi-payment”, “lottery purchase”, “FeliCa service”, “regular”, “IC card”, “shopping”, “ It is a screen for selecting one of “collaborative transactions”.

  (S32) When the user selects the “FeliCa service” transaction on the screen V1, the control unit 20 displays the mobile preparation screen (V2 in FIG. 9) on the screen 23-1 of the customer operation unit 23. On this screen, a guidance message “Please hold the FeliCa mark of the mobile phone over the reader (mobile communication unit)” is displayed.

  (S34) Next, the control unit 20 displays a portable preparation confirmation screen (V3 in FIG. 9) on the screen 23-1 of the customer operation unit 23. On this screen, a guidance message “Please check the screen of the mobile phone and press the confirmation” is displayed. When the user holds the mobile phone 1 over the reading device 21 and presses the confirmation key of the mobile phone 1, the account data is transmitted from the mobile phone 1 to the reading device 21. In addition, when it is not transmitted within a predetermined time, a portable preparation screen (V4 in FIG. 10) is displayed on the screen 23-1 of the customer operation unit 23. On this screen, a guidance message “Please hold the FeliCa mark of the mobile phone over the reading device (mobile communication unit) until it is once again” is displayed.

  (S36) If the reading is not successfully received from the reading device 21 within a predetermined time, the control unit 20 displays a no data screen (V6 in FIG. 10) on the screen 23-1 of the customer operation unit 23. On this screen, a guidance message “Registration information not found, please trade from the beginning” is displayed. And it returns to the customer waiting of step S30.

  (S38) Conversely, when the control unit 20 receives the successful reading and the account data from the reading device 21 within a predetermined time, the control unit 20 displays an account selection screen (V5 in FIG. 10) on the screen 23-1 of the customer operation unit 23. Is displayed. On this screen, the read account data (bank name, branch name, deposit type) and its selection icon are displayed.

  (S40) When the user selects a trading account, the control unit 20 next displays a FeliCa transaction selection screen (V7 in FIG. 10) on the screen 23-1 of the customer operation unit 23. On this screen, one of “deposit”, “withdrawal”, and “balance inquiry” can be selected.

  (S42) When the user selects payment (withdrawal) or balance inquiry, the control unit 20 displays a password input screen (V8 in FIG. 10) on the screen 23-1 of the customer operation unit 23. On this screen, a numeric keypad and an input field are displayed.

  (S44) When the user inputs a password and selects payment, the control unit 20 displays an amount input screen (V9 in FIG. 11) on the screen 23-1 of the customer operation unit 23. On this screen, a numeric keypad and an amount input field are displayed.

  (S46) Moving to FIG. 6, when the control unit 20 detects the end of the amount input by pressing the yen key on the screen V9, the amount confirmation screen (V10 in FIG. 11) is displayed on the screen 23-1 of the customer operation unit 23. indicate. On this screen, the input amount, correction, and confirmation key are displayed.

  (S48) When detecting the pressing of the confirmation key, the control unit 20 displays the computer communication screen (V11 in FIG. 11) on the screen 23-1 of the customer operation unit 23. On this screen, the status message “Please wait, we are communicating with the computer now” is displayed. During this time, the control unit 20 transmits the selected account data and the input password and amount to the host computer 5 via the line control unit 26 and obtains a response from the host computer 5.

  (S50) When the response from the host computer 5 is a payment permission, the control unit 20 issues a receipt with the card unit 24 if the use copy issuance is designated.

  (S52) Then, the control unit 20 instructs the cash unit 25 to release the input amount of cash. When the cash unit 25 discharges the amount of cash (banknote), the control unit 20 displays a banknote release screen (V12 in FIG. 11) on the screen 23-1 of the customer operation unit 23. On this screen, a guidance message “Please take cash” is displayed.

  (S54) When detecting cash withdrawal, the control unit 20 displays a transaction end screen (V18 in FIG. 13) on the screen 23-1 of the customer operation unit 23. And it returns to step S30 of FIG.

  Next, the deposit process of FIG. 5 will be described with reference to FIG.

  (S56) When the deposit transaction is selected in step S40, the control unit 20 displays a cash (banknote) insertion screen (V13 in FIG. 12) on the screen 23-1 of the customer operation unit 23. On this screen, a guidance message “Bill insertion” is displayed. The control unit 20 opens the insertion slot for the cash unit 25.

  (S58) When detecting that a bill has been inserted into the insertion slot of the cash unit 25, the control unit 20 displays a cash counting screen (V14 in FIG. 12) on the screen 23-1 of the customer operation unit 23. On this screen, the status message “Counting cash” is displayed. During this time, the cash unit 25 counts the inserted banknotes.

  (S60) When the control unit 20 receives the count end notification from the cash unit 25, the control unit 20 displays an amount confirmation screen (V15 in FIG. 12) on the screen 23-1 of the customer operation unit 23. On this screen, the counted amount and a confirmation key are displayed.

  (S62) When detecting the pressing of the confirmation key, the control unit 20 displays a computer communication screen (V16 in FIG. 12) on the screen 23-1 of the customer operation unit 23. On this screen, the status message “Please wait, we are communicating with the computer now” is displayed. During this time, the control unit 20 transmits the selected account data and the counted amount to the host computer 5 via the line control unit 26 and obtains a response from the host computer 5.

  (S64) When the response from the host computer 5 is the deposit permission, the control unit 20 issues a receipt with the card unit 24 if the use copy issuance is specified. Then, the control unit 20 displays a receipt issuance screen (V17 in FIG. 13) on the screen 23-1 of the customer operation unit 23. On this screen, a guidance message “Please take a copy of the service” is displayed.

  (S66) When detecting the receipt removal, the control unit 20 displays a transaction end screen (V18 in FIG. 13) on the screen 23-1 of the customer operation unit 23. And it returns to step S30 of FIG.

  Next, the balance inquiry process of FIG. 5 will be described with reference to FIG.

  (S68) When the balance inquiry is selected in step S40, the control unit 20 displays the screen 23-1 of the customer operation unit 23, the screen 23-1 of the customer operation unit 23, and the computer communication screen (V19 in FIG. 14). Is displayed. On this screen, the status message “Please wait, we are communicating with the computer now” is displayed. During this time, the control unit 20 transmits the selected account data and the input password to the host computer 5 via the line control unit 26 and obtains a response from the host computer 5.

  (S70) Upon receiving a response from the host computer 5, the control unit 20 displays a balance confirmation screen (V20 in FIG. 14) on the screen 23-1 of the customer operation unit 23. On this screen, an “account number”, “its balance”, and a confirmation key are displayed.

  (S72) The control unit 20 prints and issues a receipt with the card unit 24 when the confirmation key is pressed and the issuance of usage note is designated. Then, the control unit 20 displays a receipt issuance screen (V17 in FIG. 13) on the screen 23-1 of the customer operation unit 23. On this screen, a guidance message “Please take a copy of the service” is displayed. When detecting the receipt removal, the control unit 20 displays a transaction end screen (V18 in FIG. 13) on the screen 23-1 of the customer operation unit 23. And it returns to step S30 of FIG.

  Thus, the account data by the biometric authentication result from the portable terminal 1 is read, and a normal automatic transaction is executed. In this case, the transaction type is limited to “payment”, “deposit”, and “balance inquiry” for the transaction service from the mobile terminal. As a result, it is possible to prevent the display of an extra transaction item for the user and to facilitate the user.

  Further, since the mobile terminal 1 can have data of a plurality of accounts, it is not necessary to have a card for each account. That is, a plurality of cards can be collected and a service convenient for the user can be provided.

[Other embodiments]
FIG. 15 is an explanatory diagram of a mobile communication terminal used in an automatic transaction system according to another embodiment of the present invention, and FIG. 16 is an explanatory diagram of registration data of the mobile communication terminal.

  FIG. 15 shows an example of authentication in which a user goes to a financial institution and receives this service. As shown in FIG. 15, (1) a user goes to a branch 6 of a financial institution with the mobile communication terminal 1 that receives this service. (2) At the counter of the branch 6, the user designates an account to receive this service, and at the counter, the identity of the account is confirmed by a certificate such as a seal or a license presented by the user.

  (3) Then, the user performs the above-described biometric authentication with the portable communication terminal 1 possessed by the user and confirms the result with a teller at the branch office 6. In this case, the biometric registration data of the mobile communication terminal 1 is registered in the mobile communication terminal 1 in advance. Alternatively, the user may register the mobile communication terminal 1 at the branch 6 by operating the mobile communication terminal 1.

  (4) When the teller at the branch 6 confirms the biometric authentication result, he operates the terminal of the branch 6 to request the certificate issuing organization 7 to issue a certificate. The certificate issuing organization 7 creates an issuer public key certificate and downloads it from the server 8 to the mobile terminal device 1. As shown in FIG. 16, in the memory 12 of the mobile communication terminal 1, account data, biometric information, and a certificate are stored as registration data in pairs.

  Then, in step S12 of FIG. 4 described above, the certificate is checked. For example, this certificate is account data of the mobile communication terminal 1 and a certificate of registered biometric information. The mobile communication terminal 1 checks the predetermined items of the certificate and validates the registered biometric information. Confirm.

  Next, in the automatic transaction apparatus, the account data and the check result are received from the mobile communication terminal 1, and if it is proved by the check result, the password input in step S42 in FIG. 5 is omitted. In addition, the payment limit amount after step S44 can be changed to a high value (for example, 1 million yen) if it is proved, or to a low value (for example, 200,000 yen) if it is not proved.

  Such a condition setting of the automatic transaction apparatus 1 can be designated from the host computer 5.

  In the above-described embodiment, biometric authentication has been described with fingerprint authentication, but it can also be applied to other biometric authentication such as palm vein pattern authentication, finger vein pattern, palm print, face, etc. Although explained in the financial machine automatic machine, it can also be applied to automatic machines in other fields such as automatic ticketing machines and vending machines.

  Furthermore, although the non-contact communication system from the portable terminal 1 has been described as the IC card non-contact communication system, other non-contact communication systems such as infrared rays can be used. Similarly, although the mobile terminal has been described as a mobile phone, a mobile communication terminal such as a PDA can be used.

  (Additional remark 1) It has a portable communication terminal which has a non-contact communication function and a biometric authentication function, and an automatic transaction apparatus which communicates with the portable communication terminal and carries out automatic transaction operation, and the portable communication terminal has the biometric authentication function If the identity verification is good and the identity verification is good, the non-contact communication function transmits the account data registered in the mobile communication terminal to the automatic transaction device, and the automatic transaction device An automatic transaction system that receives data and executes an automatic transaction operation related to the account data by a user's operation.

  (Additional remark 2) The said automatic transaction apparatus starts the reading unit of the said mobile communication terminal according to having selected that it is the service using the said mobile communication terminal from the customer operation part. Automated trading system.

  (Additional remark 3) The said mobile communication terminal acquires the authenticated account data by communication, The automatic transaction system of Additional remark 1 characterized by the above-mentioned.

  (Supplementary note 4) The automatic transaction system according to supplementary note 1, wherein the mobile communication terminal is configured by a mobile phone having a biometric authentication function.

  (Additional remark 5) The automatic transaction system of Additional remark 1 characterized by the said automatic transaction apparatus being an apparatus which performs automatic transaction operation | movement by a customer's operation.

  (Additional remark 6) The said automatic transaction apparatus has a customer operation part which makes a user input a password for the said automatic transaction operation | movement, The automatic transaction system of Additional remark 1 characterized by the above-mentioned.

  (Additional remark 7) The said mobile communication terminal stores the biometric information registered and the electronic certificate of the said biometric information, and checks the validity of the said electronic certificate in the said biometrics authentication. Appendix 1 automatic transaction system.

  (Supplementary note 8) The mobile communication terminal notifies the validity check result of the electronic certificate to the automatic transaction apparatus together with the account data, and the automatic transaction apparatus uses the validity check result according to the validity check result. The automatic transaction system according to appendix 7, wherein it is determined whether or not a personal identification is required.

  (Additional remark 9) The said mobile communication terminal notifies the said validity check result of the said electronic certificate to the said automatic transaction apparatus with the said account data, The said automatic transaction apparatus respond | corresponds to the said validity check result, The automatic transaction system according to appendix 7, wherein the transaction limit of the automatic transaction is changed.

  (Additional remark 10) It is an automatic transaction apparatus which communicates with the portable communication terminal which has a non-contact communication function and a biometrics authentication function, and performs automatic transaction, Comprising: The identity verification is favorable by the said biometrics authentication function of the said portable communication terminal. A reading unit that reads account data registered in the portable communication terminal transmitted by the non-contact communication function, a control unit that controls a customer operation unit according to the account data, and the customer operation unit An automatic transaction apparatus comprising: an automatic transaction mechanism that executes an automatic transaction operation related to the account data in response to a user operation.

  (Additional remark 11) The said control part starts the reading unit of the said mobile communication terminal according to having selected that it is the service using the said mobile communication terminal from the said customer operation part, Additional remark 10 characterized by the above-mentioned. Automatic transaction equipment.

  (Additional remark 12) The said reading unit reads the said account data of the mobile communication terminal comprised with the mobile telephone which has a biometrics authentication function, The automatic transaction apparatus of Additional remark 10 characterized by the above-mentioned.

  (Additional remark 13) The said control part displays the screen which inputs a user's password on the said customer operation part after reception of the said account data, The automatic transaction apparatus of Additional remark 10 characterized by the above-mentioned.

  (Additional remark 14) The said reading unit reads the check result of the validity of the electronic certificate of the registered biometric information from the said mobile communication terminal with the said account data, It transmits to the said control part, It is characterized by the above-mentioned. Automatic transaction equipment.

  (Supplementary note 15) The automatic transaction apparatus according to supplementary note 14, wherein the control unit determines whether or not a user's password is required in accordance with the notified result of the validity check.

  (Additional remark 16) The said control part changes the transaction limit of the said automatic transaction according to the said correctness check result, The automatic transaction apparatus of Additional remark 14 characterized by the above-mentioned.

  Since the mobile terminal having a biometric authentication function is used for automatic transaction, the convenience of the user can be improved while using the biometric authentication method for automatic transaction in the automatic transaction apparatus. In addition, by purchasing a portable terminal of a desired biometric authentication method, the user can select a desired biometric authentication method from a plurality of biometric authentication methods and perform automatic transactions. That is, it is possible to construct an automatic transaction system having a biometric authentication function by selection on the user side, not on the logic on the installation side of the automatic transaction apparatus.

It is a block diagram of the automatic transaction system of one embodiment of this invention. It is a block diagram of the portable communication terminal of FIG. It is explanatory drawing of the automatic transaction process using the portable communication terminal of one embodiment of this invention. FIG. 3 is a transaction processing flow diagram of the mobile communication terminal of FIG. 2. It is a transaction processing flowchart of the automatic transaction apparatus of FIG. FIG. 6 is a payment process flowchart of FIG. 5. FIG. 6 is a deposit processing flowchart of FIG. 5. FIG. 6 is a balance inquiry processing flow diagram of FIG. 5. It is explanatory drawing of the 1st screen transition of the transaction processing of the automatic transaction apparatus of FIG. It is explanatory drawing of the 2nd screen transition of the transaction processing of the automatic transaction apparatus of FIG. It is explanatory drawing of the screen transition of the payment process of FIG. It is explanatory drawing of the screen transition of the money_receiving | payment process of FIG. It is explanatory drawing of the screen transition at the time of completion | finish of transaction of FIG. It is explanatory drawing of the screen transition of the balance inquiry process of FIG. It is a block diagram of the service certification system of the portable communication terminal of other embodiment of this invention. It is a block diagram of the registration data of the portable communication terminal of FIG.

Explanation of symbols

1 Mobile phone (mobile communication terminal)
2 Automatic transaction equipment (ATM)
5 Host computer 10 Biometric authentication unit 11 CPU
12 Memory 16 Short range communication unit (FeliCa chip)
20 Control Unit 21 Reading Device 23 Customer Operation Unit 24 Card Unit 25 Cash Unit 26 Line Control Unit

Claims (5)

A portable communication terminal having a non-contact communication function and a biometric authentication function;
An automatic transaction device that communicates with the mobile communication terminal and performs an automatic transaction operation,
The mobile communication terminal performs identity verification by the biometric authentication function, and transmits the account data registered in the mobile communication terminal to the automatic transaction device by the non-contact communication function when the identity verification is good. And
The automatic transaction apparatus receives the account data and executes an automatic transaction operation related to the account data by a user's operation. 2. The automatic transaction according to claim 1, wherein the automatic transaction apparatus activates a reading unit of the mobile communication terminal in response to selection of a service using the mobile communication terminal from a customer operation unit. system. An automatic transaction apparatus that communicates with a mobile communication terminal having a non-contact communication function and a biometric authentication function and performs an automatic transaction operation,
A reading unit that reads account data registered in the mobile communication terminal transmitted by the non-contact communication function when the identity verification is good by the biometric authentication function of the mobile communication terminal;
In accordance with the account data, a control unit that controls the customer operation unit,
An automatic transaction apparatus comprising: an automatic transaction mechanism that executes an automatic transaction operation relating to the account data in response to a user operation by the customer operation unit. The automatic transaction according to claim 3, wherein the control unit activates a reading unit of the mobile communication terminal in response to selection from the customer operation unit that the service is a service using the mobile communication terminal. apparatus. The automatic transaction apparatus according to claim 3, wherein the reading unit reads the account data of a mobile communication terminal configured with a mobile phone having a biometric authentication function.

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