JP2007025826A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make excellence in usability while keeping an authentication function with high security in an automatic transaction device. <P>SOLUTION: An automatic transaction device 1 comprises a card unit 18 for reading information stored in a card and writing information in the card; an inputting unit 15 for inputting transaction information; a biometrics information reading unit 22 for reading biometrics information; and a control unit conducting biometrics information authentication processing and transaction processing, based on the information read by the card unit 18, on the transaction information inputted from the inputting unit 22, and on the biometrics information read by the reading unit 22. The control unit includes a meas for authenticating the biometrics information read by the reading unit 22; a means for outputting the authenticated biometrics information to the card unit 18, by associating the biometrics information with the transaction information inputted from the input unit 15; and a means for conducting transaction processing, based on the transaction information associated with the biometrics information read by the card unit 18 and on the biometrics information read by the reading unit 22. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus, and is particularly suitable for an automatic transaction apparatus having a biometric authentication function.

  Passwords are widely used for authentication of magnetic cards and IC cards used in conventional automatic transaction apparatuses. In recent years, biometric information authentication using a part of an individual's body as a key, such as fingerprint information, iris information, and vein information (blood vessel pattern), has attracted attention as a security method that is less likely to be illegally exercised due to loss or theft.

  A conventional personal authentication system using biometric information is disclosed in Japanese Patent Laid-Open No. 2000-215172 (Patent Document 1).

  This personal authentication system includes an IC card that stores personal information that can identify a registered user, a computer that requires personal authentication of the user and operates by program control, and a fingerprint / IC card reading function And an output device that has a display function and outputs or displays a program processing result of the computer.

  The IC card stores various information such as a personal identification number, fingerprint information (biological information), and a computer activation password. An input device with a fingerprint / IC card reading function includes an input device for inputting a personal identification number, a fingerprint reading device for inputting fingerprint information as graphic information, an IC card reader for reading the personal identification number, fingerprint information, password, etc. from the IC card, It has.

  A password that can identify the user is registered in the computer, and information such as fingerprint information and password output from the IC card reader, fingerprint information output from the fingerprint reader, and registered in the computer. It has a built-in verification device that verifies the current password. The result collated by the collating device is output or displayed by the output device 4. In the IC card, a protection means for controlling access to the fingerprint information and the password by the password, and the password entered from the password input device and the password stored in the IC card 1 are collated. Verification means is provided.

JP 2000-215172 A

  According to the conventional example, since authentication is possible using fingerprint information (biological information), the security method is less likely to be used illegally due to loss or theft, but facilitates transaction operations in an automatic transaction apparatus. This is not considered. That is, in order to conduct a transaction using an automatic transaction apparatus, it is necessary to perform operations for inputting transaction information such as withdrawal, transfer, deposit, and balance inquiry together with high security authentication. The input operation is not disclosed. Conventionally, when performing transactions using an automatic transaction apparatus, authentication input operations and transaction information input operations are performed as independent operations. And it took time. In particular, when you use the card only for withdrawal operations, when you frequently enter transaction information that is frequently used, when you perform multiple input operations such as transaction details, transaction amount, and transfer details as transaction information For example, the operation gives a strong impression that the operation is troublesome, and improvement in usability is desired.

  An object of the present invention is to provide an automatic transaction apparatus that is easy to use while maintaining a highly secure authentication function.

  In order to achieve the above-mentioned object, a first aspect of the present invention includes a card unit that reads information stored in a card and writes information to the card, an input unit that inputs transaction information, and biometric information. Control for performing biometric information authentication processing and transaction processing based on the biometric information reading unit to be read, information read by the card unit, transaction information input from the input unit, and biometric information read by the biometric information reading unit An automatic transaction apparatus comprising: a means for authenticating biometric information read by the biometric information reading unit; and transaction information associated with the biometric information read by the card unit; And means for performing transaction processing based on the biological information read by the biological information reading unit.

A more preferable specific configuration example in the present invention is as follows.
(1) The biometric information reading unit reads finger vein information, and the control unit performs finger vein information authentication and transaction processing based on the finger vein information read by the biometric information reading unit.
(2) The control unit further includes means for associating the authenticated biometric information with the transaction information input from the input unit and outputting the information to the card unit.
(3) The control unit includes means for associating a plurality of finger vein information read by the biometric information reading unit with a plurality of transaction information input from the input unit and outputting the information to the card unit. .

  According to a second aspect of the present invention, there is provided a card unit for reading information stored in a card and writing information to the card, an input unit for inputting transaction information, a biological information reading unit for reading biological information, and the card An information registration terminal comprising: a control unit that performs biometric information authentication processing and information registration processing based on information read by the unit, transaction information input from the input unit, and biometric information read by the biometric information reading unit The control unit associates the authenticated biometric information read by the biometric information reading unit with the authenticated biometric information and the transaction information input from the input unit and outputs the associated information to the card unit. And means for registering the biological information and the transaction information in association with each other.

  According to the present invention, it is possible to provide an automatic transaction apparatus that is easy to use while maintaining a highly secure authentication function.

  Hereinafter, an embodiment of the present invention will be described with reference to FIGS. The present embodiment relates to an automatic transaction apparatus such as an ATM (Automatic Teller Machine) employed in a financial institution system such as a bank system.

  First, with reference to FIG. 1, the schematic structure of the automatic transaction apparatus 1 which concerns on this embodiment is demonstrated. FIG. 1 is a top perspective view of an automatic transaction apparatus 1 according to an embodiment of the present invention.

  In FIG. 1, what is generally indicated by reference numeral 1 is an automatic transaction apparatus installed in a lobby of a financial institution or the like. In the present embodiment, the automatic transaction apparatus 1 will be described using an example of ATM. The automatic transaction apparatus 1 is disposed so as to close an L-shaped opening and a main body housing 10 having an opening cut out in an L shape when a part of the front side of the rectangular parallelepiped is viewed from the side. The front panel 11 is formed in an L shape.

  The main body housing 10 includes a base housing 12 having an open front surface, a plate-shaped front door 13 provided below the front surface of the base housing 12, and a plate-shaped rear surface disposed on the back surface of the base housing 12. And a door 14. The base case 12 is a mechanism unit that performs various transaction processes, for example, a display unit 220 with a touch panel, a card unit 221, a passbook details printing unit 222, a transmission control unit 223, a storage device unit 224, and a coin entry / exit shown in FIG. The money part 225, the banknote depositing / withdrawing part 226, the power supply part 227, the biometrics authentication part 228, the control part 229, etc. are incorporated. The display unit 220 with a touch panel has functions as an information input device and an output device, and the card unit 221 has a function as a reading device and an output device for the ID card 212 (see FIGS. 2 and 3). The operation display unit 15 of the display unit with touch panel 220, the medium ports 18, 19, 23, 24 of each unit and the biometric information reading unit 22 of the biometric authentication unit 228 are arranged so as to be exposed from the front panel 11.

  The L-shaped front panel 11 includes a panel portion 16 that forms a vertical surface on the front surface of the main body, and a table portion 17 that forms a horizontal plane. In the present embodiment, a medium handling unit 20 including a card / statement handling port 18 and a passbook handling port 19 is arranged at the center of the panel unit 16 constituting the vertical surface, and an operation is performed at the center of the table unit 17 constituting the horizontal plane. On the both sides of the display unit 15, an emergency contact handset 21 and a biometric information reading unit 22 of the biometric authentication unit 228 are disposed, and a bill insertion / discharge port 23 and a coin insertion / discharge are provided at the corners of the horizontal and vertical planes. An outlet 24 is juxtaposed.

  Next, with reference to FIG. 2, the structure of the financial institution system in which this automatic transaction apparatus 1 is installed, and the structure of the automatic transaction apparatus 1 are demonstrated. FIG. 2 is a block diagram of a financial institution system using the automatic transaction apparatus 1 of FIG.

  In this financial institution system, equipment (computers) such as servers, terminals, and systems of a plurality of sales stores 200 and a specialized center 350 are compared to equipment (computers) such as servers and hosts of the center 100 that controls the financial institution system. Are connected via a network 300 to devices (computers) such as servers and terminals. A plurality of devices (computers) are connected to the sales store 200 via a store network 211, and these devices (computers) are connected to devices (computers) of the center 100 and the specialized center 350 via the network 300. Various financial services can be provided to customers who use this financial institution system. In addition, the financial institution system can be connected to other financial systems and various service site devices (computers) via the network 300.

  Each device (computer) in the center 100 is connected to a device (computer) in another business store 200 or a device (computer) in the specialized center 350 via the HUB server 150, so that all information in the financial institution can be obtained. General management. The HUB server 150 is also used as a gateway server, and includes an integrated channel server 110 that controls a group of channel AP servers, a billing host 140, a new product server 130 that includes various new product information, A customer management server 120 for comprehensively managing the customer information is connected.

  The integrated channel server 110 is a support system that is connected to the device (computer) of the business store 200 via the network 300 and provides various information to the device (computer) of the business store 200. Under the control of the integrated channel server 110, an IB server 111 having IB content information, a store AP server 112 having store information, a store management server 113 having store visitor information, Product information server 114 provided with the content information, employee management server 115 provided with employee information, and customer information management server 116 provided with customer information data.

  On the other hand, the business store 200 is provided with various devices connected via a store network 211. For example, in this system, the automatic transaction apparatus 1, the reception terminal 208 that manages the entrance and exit of the customer's store, the consultation terminal 207 that handles various customer consultations, the information table terminal 206 that provides various information to the customer, Consultation table terminal 205 that recommends consultations and business negotiations to customers, counter transaction terminal 204 that provides various services related to transactions by customers to the customer, counter counter transaction terminal 203 that supports the counter transaction terminal 204, and various financial related devices A financial device 202, a store server 201 that manages various information in the store, a store communication system 210 that performs wireless communication and position detection in the store, and the like are provided.

  Further, in this financial institution system, various information can be provided via a portable terminal 213 owned by the customer, an ID card (individual authentication card) 212 provided by the financial institution to the customer, or the like. This ID card 212 is composed of an IC card, and customer's personal information (code number (identification number), biometric information (in this embodiment, finger vein information), various information such as transaction information) is stored in the IC chip. It is stored and registered as an electrical signal.

  The automatic transaction apparatus 1 includes a control unit 229 that controls and controls the automatic transaction apparatus 1, a display unit with a touch panel 220 that also serves as an information input unit, and a card unit 221 that reads and writes various cards. A bankbook detail printing unit 222 for writing a bankbook, a transmission control unit 223 for connecting to the store network 211, a storage device unit 224 for storing various information, a coin deposit / withdrawal unit 225, and a banknote deposit / withdrawal Unit 226, power supply unit 227, and biometric authentication unit 228.

  Next, the outline of the system configuration of the automatic transaction apparatus 1 will be described with reference to FIG. FIG. 3 is a schematic block diagram showing an example of the system configuration of the automatic transaction apparatus 1 of FIG.

  The computer 229 includes a CPU 259, a memory 260, input / output interfaces 255 to 258, and the like. The memory 260 constitutes the storage device unit 224 shown in FIG. 2, and stores a program for performing a control operation described later. The CPU 259 constitutes the control unit 229 shown in FIG. 2 and executes control using a program stored in the memory 260.

  The card unit 221 is connected to the computer 229 via the input / output interface 257. By inserting the ID card 212 into the card unit 221, the personal information of the customer registered in the ID card 212 is read by the card unit 221. And stored in the memory 260 via the input / output interface 257 of the computer 229.

  Further, a finger 261 is inserted between the light source 251 and the camera 252, and an image signal of finger vein information is acquired when the switch 253 is pressed. Instead of pressing the switch 253, an image signal may be acquired by finger placement detection by a finger placement detection sensor (not shown). This finger vein information acquires a finger blood vessel pattern as graphic information. If palm vein information or other biological information can be used instead of finger vein information, they may be used. The light source 251, the camera 252, and the switch 253 described above constitute the biological information reading unit 22 of the automatic transaction apparatus 1 shown in FIG. The image signal of the camera 252 is converted into digital information by the image input unit 254 and stored in the memory 260 via the input / output interface 255 of the computer 229.

  Further, the switch 253 is similarly connected via the input / output interface 256, and the on / off state is stored in the memory 260, or an interrupt signal is generated to the CPU 259 at the same time when it is turned on.

  When the CPU 259 confirms that the state of the switch 253 is turned on or detects an turned-on interrupt signal, the CPU 259 activates and executes a software program for authentication. Based on the processing result of the program, the result is displayed on the display unit 220 with a touch panel, output to the card unit 221 and written to the ID card 212, or an appropriate signal is sent to the control target 280 to open the door. Various controls such as opening and closing are performed. Note that the display unit with a touch panel 220 also serves as an information input unit as described above, and can be used to input auxiliary information, transaction information, and the like related to authentication such as a password.

  In the present embodiment, the biometric information reading unit 22 constituting the biometric authentication unit 222 reads the finger vein and uses it for authentication. Therefore, compared with the case where the palm vein is read and used for authentication. The volume of information is small, the authentication speed is fast, and the authentication device is small and easy to use.

  Next, with reference to FIG. 4, the structure of the biometric information reading part 22 which comprises the biometrics authentication part 222 of the automatic transaction apparatus 1 is demonstrated. FIG. 4 is an explanatory diagram of the biometric information reading unit 22 of the automatic transaction apparatus 1 of FIG. 1, and is a plan view and a side view of a state where a finger is held over the biometric information reading unit. The user holds his / her finger so that the fingertip is positioned in the vicinity of the mark 22a of the biometric information reading unit according to an operation guidance or the like that prompts the user to hold the finger. FIG. 4 shows an example of holding the index finger of the right hand. The belly of the held finger is supported by the finger holding part 22b, and the biometric information is read in a stable state.

  Next, an outline of a system configuration of the window transaction terminal 204 will be described with reference to FIG. FIG. 5 is a schematic block diagram showing an example of the system configuration of the window transaction terminal 204. The system configuration of the window transaction terminal 204 is common to the system configuration of the automatic transaction apparatus 1 described above, but will be described below including the common portions.

  The computer 290 includes a CPU 279, a memory 280, input / output interfaces 275 to 278, and the like. The memory 280 stores a program for performing a control operation described later. The CPU 279 performs control using a program stored in the memory 260.

  A keyboard 284, a card reader / writer 285, and a mouse 286 are connected to the computer 290 via the input / output interface 277 and read from the card reader / writer 285 as auxiliary information related to authentication such as a password entered from the keyboard 284. The received personal information and transaction information input by operating the mouse 286 are stored in the memory 280 via the input / output interface 277.

  Further, a finger 281 is inserted between the light source 271 and the camera 272, and an image signal of finger vein information is acquired when the switch 273 is pressed. Instead of pressing the switch 253, an image signal may be acquired by finger placement detection by a finger placement detection sensor (not shown) or in accordance with an operation by the mouse 286. The light source 271, the camera 272, and the switch 273 constitute a biological information reading unit of the window transaction terminal 204. The image signal of the camera 272 is converted into digital information by the image input unit 274 and stored in the memory 280 via the input / output interface 275 of the computer (control unit) 229.

  Further, the switch 273 is connected via the input / output interface 276, and the on / off state is stored in the memory 280, or when the switch 273 is turned on, an interrupt signal is generated to the CPU 279.

  When the CPU 279 confirms that the state of the switch 273 is turned on or detects an turned-on interrupt signal, the CPU 279 activates and executes a software program for authentication. Then, based on the processing result of the program, the result is displayed on the display unit 283, output to the card reader / writer 285 and written to the ID card 212, or an appropriate signal is sent to the control target 282 for operation. Various controls are performed.

  Next, a finger vein information registration method using the window transaction terminal 204 will be described with reference to FIGS. 6A to 6L. 6A to 6L are screen transition diagrams in the finger vein information registration method of the automatic transaction apparatus 1. These control operations in FIGS. 6A to 6L are executed by the CPU 279 based on a program stored in the memory 280 shown in FIG. In the following description, the case where the ID card 212 has already been created will be described. However, if the ID card 212 has not been created, for example, the window operator performs the same processing by acting as an input operation. It can be carried out.

  When the ID card 212 is inserted into the card reader / writer 285 with the window transaction terminal 204 activated, the top menu screen 401 shown in FIG. 6A is displayed on the display unit 283. The top menu screen 401 includes a biometric authentication button that is selected when performing finger vein authentication, a biometric information registration button that is selected when registering finger vein information, and a biometric information correction that is selected when correcting finger vein information. A button, a biometric information deletion button that is selected when deleting already registered finger vein information, and an end button that is selected when the operation is ended are displayed. The buttons displayed on each screen are selected (clicked) with the mouse 286, and a predetermined process corresponding to the button is performed. Therefore, in the following description, it is assumed that the buttons are simply selected.

  When the window operator selects the biometric information registration button, a finger selection screen 402 shown in FIG. 6B is displayed on the display unit 283. The finger selection screen 402 is divided into an operator ID column, a principal information (personal information) column, and a registered finger information column, and information related to these, an input area, and a display area are displayed in each column.

  Here, in the operator ID column, a window operator ID of a financial institution that registers finger vein information is displayed. The window operator ID is displayed, for example, when the operator operating the window transaction terminal 204 inputs his / her ID and password and logs on. By clarifying the window operator ID and registering the history, it is possible to obtain a highly reliable authentication system.

  Further, in the identity information column, the account number and name stored in the ID card 212 are read and displayed, and information on the identity confirmation material confirmed by the window operator is displayed. The account number and name may be entered by the window operator confirming the person. The account number and name are information directly related to the transaction, and the information in the identification document is information for ensuring security.

  In the registration finger information column, operation guidance on the selected screen is displayed on the left side, and items related to input, an input area and an output area are displayed on the right side, and a registration button and a cancel button are displayed. . The finger selection screen 402 in FIG. 6B is a display when there is no registered finger information and the first finger is registered.

  Next, in accordance with the operation guidance “Select a finger to be registered and press the registration button”, for example, an input area located in front of the index finger in the right hand column is selected, and the registration button is selected, the screen shown in FIG. 6C As shown, “●” and “1” are displayed in the corresponding output area of the priority order column. Since this priority order is given in the order of registration, it is preferable to register in the order of frequency of use. In this way, it is possible to easily specify a finger for registering finger vein information. In the output area for the number of registrations, the number of registrations determined by default for each financial institution is displayed, which is four in the illustrated example. Finger authentication information can be provided up to the number of registered registrations displayed, but it is preferable that the number can be changed.

  Next, open the corresponding pull-down menu in the transaction column according to the operation guidance “If you want to register a transaction for each finger, please select from the pull-down menu.” As shown in FIG. Displays a pull-down menu with the type. When, for example, withdrawal is selected from the pull-down menu and 30,000 yen is entered in the input area of the amount column, a biometric information reading screen 404 shown in FIG. 6D is displayed. As described above, since the transaction content can be selected from the pull-down menu, the transaction type can be easily input.

  Next, when the finger vein information reading operation described with reference to FIG. 5 is performed in accordance with the operation guidance “Set the index finger on the right hand and press the reading button”, the biometric information reading screen 405 shown in FIG. 6E is displayed. indicate. On the biometric information reading screen 405, a □ mark is displayed in the output area of the reading column on the right side along with the guidance “Reading”, and it is displayed visually that the first reading is in progress. The reading status can be easily grasped and is easy to use.

  When the finger vein information reading operation described with reference to FIG. 5 is performed again, a biometric information reading screen 406 shown in FIG. 6F is displayed. On the biometric information reading screen 406, reading guidance is displayed on the left side, and two ■ marks are displayed in the output area of the reading column on the right side, and it is visually displayed that the reading operation has already been performed twice. The □ mark is displayed next to the two ■ marks, and it is displayed visually that the third reading operation is necessary, so the reading status can be easily grasped and the next operation can be easily grasped. It has become a good thing.

  The reading operation of the index finger vein information is performed a plurality of times (in this embodiment, four times), and the operation is terminated. As described above, finger vein information is obtained by a plurality of reading operations, so that finger vein information with high reliability can be authenticated.

  When the reading operation of the index finger vein information is completed, the biometric authentication test screen is displayed. Based on the biometric test screen, the finger vein information reading operation described with reference to FIG. 5 is performed, and the biometric authentication test for comparing with the finger vein information obtained by the previous reading operation is performed a plurality of times (in this embodiment, four times). Do. FIG. 6G shows a biometric test screen 407 displayed when the second biometric test is completed. In this biometric test screen 407, authentication test guidance is displayed on the left side, and two marks are displayed in the output area of the test column on the right side, and it is visually displayed that the test operation has already been performed twice. At the same time, the □ mark is displayed next to the two ■ marks, and it is displayed visually that the third test operation is necessary, so the test status can be easily grasped and the next operation can be grasped easily. It is easy to use.

  The test operation for the index finger vein information is performed a plurality of times (in this embodiment, four times), and the process is terminated. In this way, since the read finger vein information is tested, the finger vein information with high reliability can be authenticated. In addition, since finger vein information is tested by a plurality of test operations, finger vein information with higher reliability can be authenticated.

  When the test operation of the index finger vein information is completed and all the biometric authentication tests pass, the finger selection screen is displayed. Based on this finger selection screen, the finger vein information reading operation described with reference to FIG. 5 for another finger is performed. In this embodiment, the next target finger of the reading operation is the middle finger, the operation described with reference to FIGS. 6B and 6C is performed in the same manner, the transfer type is selected from the pull-down menu, and the amount information is 80,000. Enter a circle.

  FIG. 6H shows a biometric information reading screen 408 displayed when the second reading operation with the middle finger is completed. On the biometric information reading screen 408, reading guidance is displayed on the left side, and on the right side, at the position corresponding to the middle finger of the right hand, a transfer is displayed in the output area of the transaction column, and 80,000 yen is displayed in the output area of the amount column. Then, two ■ marks are displayed in the output area of the reading column, and it is visually displayed that the middle finger has already been read twice, and a □ mark is displayed next to the two ■ marks. It is visually displayed that the third middle finger reading operation is necessary. As a result, the reading state can be easily grasped and the next operation can be easily grasped, which is easy to use.

  For example, the transfer destination can be designated by selecting a transfer detail button on the biological information reading screen 408. When the transfer details button is selected, a transfer information input screen 409 shown in FIG. 6I is displayed. On this transfer information input screen 409, the target finger is displayed as the middle finger of the right hand, and the input area for the transaction, transaction amount, transfer account number and transfer holder's name is displayed. By selecting, you can specify the transfer destination. Since the transaction and transaction amount have already been entered on the biometric information reading screen 408, the contents are displayed, and if there is a change after confirmation, the change is input. By registering in advance transaction information that requires a large number of input operations such as the transfer destination in association with finger vein information, the subsequent transaction operation can be greatly facilitated.

  In the transaction content input described above, the transaction type must be input, and the transaction amount and the transfer details are optional. This is convenient for the user who does not wish to input the transaction amount and the transfer details.

  Next, after the middle finger vein information reading operation is performed four times (a plurality of times), the middle finger vein information test operation is performed four times (a plurality of times), and the authentication of the middle finger vein information is completed.

  Further, the same finger vein reading and test are performed for the index finger and middle finger of the left hand, and when the predetermined number of registered four is reached, a card writing screen 410 shown in FIG. 6J is displayed. In this embodiment, for the index finger and middle finger of the left hand, only finger vein information registration is performed and registration of transaction information is suspended, so “3” and “4” are displayed in the priority column, It is not displayed in the column of transaction and amount. On this card writing screen 410, the reading of the index finger / middle finger of the right hand and the index finger / middle finger of the left hand and the completion of the test are each indicated by a ■ mark, and a □ mark is displayed in the writing column and writing is performed. It can be easily confirmed that this is possible. Up to this stage, a new registration or change of a transaction for each finger can be performed at any time.

  Next, when the write button is selected in accordance with the operation guidance “Write biometric information and transaction details to the card.”, Finger vein information and transaction information are associated with each other and output to the card unit 221 to be written to the ID card 212. Then, the re-authentication screen 411 shown in FIG. 6K is displayed. In the present embodiment, since the vein information of the index finger of the right hand, the transaction type “draw”, and the transaction amount “30,000 yen” are hierarchically related, when the automatic transaction apparatus 1 withdraws 30,000 yen. The transaction can be specified and the user can be identified only by the vein authentication of the right index finger, and 30,000 yen can be quickly withdrawn with a simple operation while maintaining high security. Further, since the vein information of the middle finger of the right hand is associated with the transaction type “withdrawal”, the transaction amount “80,000 yen”, and “transfer details”, the transfer destination determined by the automatic transaction apparatus 1 is set to 80,000. When the yen is transferred, the transaction can be specified and the person can be identified by performing only the vein authentication of the middle finger of the right hand, and 80,000 yen can be transferred.

  On this re-authentication screen 411, completion of writing with the index finger / middle finger of the right hand and index finger / middle finger of the left hand is displayed as a ■ mark, and a □ mark is displayed in the re-authentication column of the right index finger with priority 1 It can be easily confirmed that re-authentication is possible.

  As described above, the columns for reading, testing, writing, and re-authentication are juxtaposed in order, and the operation status is displayed with the end mark (■ mark) and the next operation mark (□ mark). It is good.

  Next, in accordance with the operation guidance “Please set the index finger of the right hand and press the re-authentication button”, the finger vein information reading operation described in FIG. 5 is performed with the index finger of the right hand, and then the re-authentication button is selected. The right hand index finger is re-authenticated. Thus, by performing re-authentication after performing biometric information registration, it is possible to authenticate finger vein information with higher reliability.

  Next, when re-authentication is performed in the order of the middle finger of the right hand, the index finger of the left hand, and the middle finger having the priorities 2 to 4, a registration completion screen 412 shown in FIG. 6L is displayed. On this registration completion screen 412, the fact that the re-authentication of the index finger / middle finger of the right hand and the index finger / middle finger of the left hand has been completed is displayed with a ■ mark, so that the re-authentication can be easily confirmed.

  Then, along with the operation guidance “Registration has been completed successfully. Please remove the card and press the end button.”, By removing the ID card 212 from the card reader / writer 285 and selecting the end button, Registration of finger vein authentication ends.

  Next, a transaction method using finger vein information using the automatic transaction apparatus 1 will be described with reference to FIGS. 7A to 7E and FIGS. 8A to 8Q. 7A to 7E are control flowcharts showing a transaction method based on finger vein information using the automatic transaction apparatus 1 of FIG. 1, and FIGS. 8A to 8Q are display screens displayed on the display unit with a touch panel 220 in the transaction method. It is a transition diagram. Control operations in these transaction methods are executed by the CPU 259 based on a program stored in the memory 260 shown in FIG. In the following description, an example in which the ID card 212 has already been created will be described with reference to FIGS. 6A to 6L.

  7A, when automatic transaction apparatus 1 is activated and program control is started (step S0), card insertion screen 501 shown in FIG. 8A is displayed on display unit with touch panel 220 (step S1). In this state, it is determined whether or not a card is inserted to wait for the ID card 212 to be inserted (step S2). Each display screen in FIG. 8 is a display screen in the operation display unit 15 (display unit 220 with a touch panel).

  Next, when the ID card 212 is inserted into the card / detail handling port 18 (card section 221), a password input screen 502 shown in FIG. 8B is displayed (step S3). If a personal identification number is input in this state, it is determined whether the personal identification number is correct (step S4). This determination is made based on whether or not the input personal identification number matches the personal identification number stored in the ID card 212.

  If it is determined in step S4 that the input password is not correct, it is determined whether the number of mistakes is less than the specified number (step S5). If the number is less than the specified number, the process returns to step S3, and the password is determined. Wait for the number to be re-entered. If it is determined in step S5 that the specified number of times has been reached, a card return screen (not shown) is displayed, the ID card 212 is returned, and the process is terminated (step S6).

  If it is determined in step S4 that the input password is correct, it is determined whether a transaction is registered on the finger (step S7). This determination is performed by determining whether transaction information is registered in the inserted ID card 212 in association with the finger vein authentication described above.

  If it is determined in step S7 that no transaction is registered for the finger, the fingerless menu selection screen 509 shown in FIG. 8I in which no finger is displayed is displayed (step S19). On this fingerless menu selection screen 509, operation guidance is displayed at the top, and a menu selection button without finger display is displayed at the center. In this state, it is determined whether the menu button has been selected (step S20), and this screen display is continued until the menu button is selected. And when it determines with the menu button having been selected, it progresses to step S31.

  If it is determined in step S7 that the transaction is registered on the finger, the finger menu selection screen 503b shown in FIG. 8C (b) on which the finger already registered is displayed is displayed ( Step S8). In this finger menu selection screen 503b, an operation guidance is displayed at the top, a menu selection button is displayed at the center, and an illustration of how to place a finger is displayed on the right side, so that the next operation can be easily performed. be able to. At this time, when a transaction is registered in association with finger vein information, the registered finger may be displayed on the menu button of the corresponding transaction. In this case, for example, a finger mark is displayed in the drawer / transfer field as in the menu selection screen 503b with a finger. By performing such display, the registered finger and the transaction content are displayed in association with each other, so that the operation guidance can be made easier for the user to understand.

  In this state, it is determined whether the menu button has been selected (step S9). If the menu button is selected in this determination, the process proceeds to step S31.

  In step S9, it is determined whether a finger is held over the biometric information reading unit 22 in a state where the menu button is not selected (step S10). If it is determined in this determination that the finger is not held up, the display returns to the menu selection screen 503b in step S8, and steps S8 to S10 are performed until both the menu button is selected and the finger is held over. Repeat.

  If it is determined in step S10 that the finger is held over, a screen during authentication (not shown) is displayed, and it is determined whether the finger is a registered transaction (step S12). In this determination, if it is determined that the finger is a registered transaction, the process proceeds to step S21 (see FIG. 7B).

  If it is determined in step S12 that the finger is not a registered transaction, it is determined whether the finger is biometric information registered (step S13). In this determination, if it is determined that the finger is not a registered biometric information, a screen (not shown) indicating that authentication could not be performed is displayed (step S14), and it is determined whether the finger is released (step S15). . If it is determined in this determination that the finger has been released, it is determined whether the number of times the authentication could not be performed is less than the specified number (step S16). If it is determined in this determination that the number is less than the specified number, the process returns to step S8. If it is determined that the specified number has been reached, the process proceeds to step S6 to display the card return screen and return the ID card 212. The process ends.

  If it is determined in step S13 that the biometric information is a registered finger, a screen (not shown) indicating that no transaction is registered is displayed on the finger (step S17). It is determined whether the finger has been released (step S18), and this screen display is continued until it is determined that the finger has been released. If it is determined that the finger is released, the fingerless menu selection screen 509 shown in FIG. 8I in which no finger is displayed is displayed (step S191). In this state, it is determined whether the menu button has been selected (step S192), and this screen display is continued until the menu button is selected. And when it determines with the menu button having been selected, it progresses to step S41 (refer FIG. 7D).

  7B, the registration transaction screen 504 shown in FIG. 8D is displayed (step S21), and it is determined whether any button is pressed in this state (step S22). Until this button is pressed, the process returns to step S21 and the display of the registered transaction screen 504 is continued. If any button is pressed, it is determined whether the confirmation button has been pressed (in other words, whether the transaction content is to be corrected) (step S23).

  If it is determined in step S23 that the confirmation button has not been pressed (in other words, if the transaction change or amount change button has been pressed), a correction screen (not shown) is displayed (step S231). ). In this state, it is determined whether the confirmation button has been pressed (step S232), and steps S231 and 232 are repeated until the confirmation button is pressed. Here, when the confirmation button is pressed, a correction content confirmation screen (not shown) is displayed (step S233). In this state, it is determined whether the confirmation button on the correction content confirmation screen has been pressed (step S234), and steps S233 and 234 are repeated until the confirmation button is pressed. If the confirmation button is pressed here, the process proceeds to step S43 (see FIG. 7D).

  If the confirmation button is pressed in the determination of step S23, the transaction processing operation is performed, and the card details receipt screen (transaction end screen 1) 505 shown in FIG. 8E is displayed (step S24). It is determined whether a vote has been received (step S25), and this screen display is continued until it is determined that a card and a statement slip have been received. When the card and the statement slip are received, a cash release screen (transaction end screen 2) 506 shown in FIG. 8F is displayed (step S26), and it is determined whether the card and the statement slip are received (step S27). This screen display is continued until it is determined that it has been received. When the banknote is received, a final transaction end screen (transaction end screen 3) 507 shown in FIG. 8G is displayed to end the transaction (step S28).

  As described above, according to the present embodiment, a transaction can be performed only by performing an operation of holding a finger registered in association with the transaction. Therefore, an easy-to-use automatic transaction apparatus can be obtained while maintaining a high security authentication function.

  In FIG. 7C, a biometric authentication screen (not shown) is displayed (step S31), and it is determined whether the finger is held over in this state (step S32). Until the finger is held over in the determination in step S34, the process returns to step S31 and the display of the biometric authentication screen 508 is continued. When the finger is held over, an authentication screen (not shown) is displayed (step S33), and it is determined whether the finger is registered with biometric information (step S34). If it is determined in this determination that the finger is registered with biometric information, the process proceeds to step S41 (see FIG. 7D).

  If it is determined in step S34 that the finger is not registered biometric information, a screen (not shown) indicating that authentication could not be performed is displayed (step S35), and it is determined whether the finger is released (step S36). This screen display is continued until it is determined that the finger is released. If it is determined that the finger has been released, it is determined whether the number of times the authentication could not be performed is less than the specified number (step S37). If it is determined in this determination that the number is less than the specified number, the process returns to step S31. If it is determined that the specified number has been reached, the process proceeds to step S6 to display the card return screen and return the ID card 212. The process ends.

    7D, the cash input screen (selected transaction screen) 510 shown in FIG. 8J is displayed (step S41). When a button other than the drawer button is selected on the fingerless menu selection screen 509 described above, the selected transaction screen corresponding to each button is displayed.

  If, for example, “3”, “10,000”, or “yen” is entered on the cash input screen 510, it is determined whether the transaction requires a waiting time such as cash counting or communication (step S43). If it is determined that the transaction requires a waiting time such as cash counting or communication, a cash counting screen (register transaction or screen 1) 511 shown in FIG. 8K is displayed (step S44). On this cash counting screen 511, it is displayed that cash is being counted, and a registration button is displayed together with an operation guidance prompting the user to press the registration button when registering the current transaction with a finger. In this case, when the waiting time is finished without any operation, the registration is not performed and the process is finished. Therefore, a button that is not registered is not displayed.

  In this state, it is determined whether it is within the waiting time (step S45). If it is not within the waiting time, that is, if time is out, the process proceeds to step S68 and the transaction is terminated. Step S68 includes a series of steps for completing the transaction such as card return and cash release.

  If it is determined in step S45 that it is within the waiting time, it is determined whether the registration button has been pressed (step S46). If it is determined that the registration button has not been pressed, the process returns to step S44. If the registration button has been pressed, the process proceeds to step S51 (see FIG. 7E).

  If it is determined in step S43 that the transaction does not require waiting time such as cash counting or communication, the transaction shown in FIG. 8L is registered or the screen 512 is displayed (step S47). On this screen 512, a button to be registered and a button not to be registered are displayed together with the operation guidance.

  In this state, it is determined which button is pressed (step S48), and the display of the cash counting screen 512 is continued until any button is pressed.

  If it is determined in step S48 that any button has been pressed, it is determined whether to register, in other words, which button has been pressed (step S49). In this determination, if a button not to be registered is pressed, the process proceeds to step S68, and the transaction is terminated. If a button to be registered is pressed, the process proceeds to step S51.

  In FIG. 7E, the registration transaction screen 513 shown in FIG. 8M is displayed (step S51). In this registered transaction screen 513, cash counting is displayed, along with operation guidance, transaction information (in the illustrated example, “drawer” of transaction type and “30,000 yen” of transaction amount), and a correction button (illustrated example) Then, an “undesignated” button) displays an illustration representing the finger authentication status. In the illustration showing the finger authentication status, "drawer" is displayed on the right index finger, "transfer" is displayed on the middle finger of the right hand, transaction information is displayed in association with the finger registered for finger authentication, and the left index finger and An oblique line is displayed on the middle finger of the left hand, indicating that finger authentication is registered and that transaction information is not registered, and it is displayed on the right thumb, right hand ring finger, right hand little finger, left hand thumb, left hand ring finger, and left hand little finger. A cross is displayed indicating that finger authentication cannot be performed on these fingers. In addition, when it transfers from step S47 of FIG. 7D to step S51, there is no display of "cash counting" and a similar screen is displayed for other displays.

  In this state, it is determined whether the correction button has been pressed (in other words, an unspecified button has been pressed) (step S52). In this determination, if it is determined that the correction button is not pressed, it is determined whether the finger is held over the biological information reading unit 22 (step S53), and if it is determined that the correction button is not held, the process returns to step S51. The display of the registration transaction screen 513 is continued, and when it is determined that the registration transaction screen 513 is held, the process proceeds to step S57.

  If it is determined in step S52 that the correction button has been pressed, a correction content confirmation screen 514 shown in FIG. 8N is displayed (step S54). On the correction content confirmation screen 514, the transaction amount has been changed to “not specified”, and a return button is displayed. In this state, it is determined whether the return button has been pressed (step S55). If it is determined that the return button has been pressed, the process returns to step S51 to display the registered transaction screen 513.

  If it is determined in step S55 that the return button has not been pressed, it is determined whether a finger is held over the biological information reading unit 22 (step S53). If it is determined that the finger is not held, step S54 is performed. The process returns to step S57, and the correction content confirmation screen 514 is continuously displayed. If it is determined that the display is held over, the process proceeds to step S57.

  In step S57, it is determined whether the held finger is a finger with biometric information registered. If it is determined in this determination that the finger is not a registered biometric information, a screen (not shown) indicating that authentication could not be performed is displayed (step S58). In this state, it is determined whether the finger held over the biometric information reading unit 22 has been released (step S59). If it is determined that the finger has not been released, the process returns to step S58 to display a screen indicating that authentication could not be performed. Continue to display.

  If it is determined in step S59 that the finger has been released, it is determined whether the number of times the authentication could not be performed is less than the specified number (step S60). If it is determined that the number of times is less than the specified number, the process returns to step S51 to display the registered transaction screen 513. When the correction content confirmation screen in step S54 is passed, the process returns to step S54 instead of step S51, and the correction content confirmation screen 514 in FIG. 8N is displayed. If it is determined in step S60 that the specified number of times has been reached, a screen (not shown) that was not registered this time is displayed (step S61), and the process proceeds to step S68.

  If it is determined in step S57 that the finger held up is a finger with biometric information registered, it is determined whether another transaction is registered (step S62). If it is determined in this determination that another transaction is registered, the overwriting or screen 515 shown in FIG. 8O is displayed (step S63). On this screen 515, an illustration indicating that the middle finger of the right hand is held over and the transaction type is “transfer” is displayed, and a rewrite button and a cancel button are displayed.

  It is determined whether any button is pressed in this state (step S64). If it is determined in this determination that any button has not been pressed, the process returns to step S64 to overwrite or continue to display the screen 515, and if it has been determined that any button has been pressed. Whether overwriting is OK or not is determined (step S65). Whether or not the overwrite is OK is determined when the cancel button is pressed, it is determined that the overwrite is not OK, and when the rewrite button is pressed, it is determined that the overwrite is OK. If it is determined that the overwrite is not OK, the process proceeds to step S68.

  If it is determined in step S62 that no other transaction is registered, or if it is determined in step S65 that the transaction is overwritten, a transaction registration completion screen 516 shown in FIG. 8P is displayed (step S66). Then, it is determined whether the finger is released (step S67). If it is determined in this determination that the finger is not released, the process returns to step S66 and the display of the transaction registration completion screen 516 is continued. If it is determined that the finger has been released, the process proceeds to step S68, and after a transaction end step such as card return, the transaction end screen 517 shown in FIG.

  As described above, according to this embodiment, the control unit 229 authenticates the biometric information read by the biometric information reading unit 22, the authenticated biometric information, and the transaction information input from the input unit 15. Means for associating and outputting to the card unit 222; and means for performing transaction processing based on the transaction information associated with the biological information read by the card unit 222 and the biological information read by the biological information reading unit 22. Therefore, it is possible to provide an automatic transaction apparatus that is easy to use while maintaining a highly secure authentication function.

  In the above-described embodiment, the operation of associating and registering the biometric information of the finger and the transaction content has been described with respect to an example that can be executed by both the counter transaction terminal and the automatic transaction apparatus. You can also

  When registration is possible only at the window transaction terminal, the flow after step S43 shown in FIGS. 7D and 7E is unnecessary, and after step S41, the process proceeds to step S68 and the transaction ends. If registration is possible only at the window transaction terminal, the window operator directly confirms the identity, thus improving the certainty of identity confirmation.

  When registration is possible only with an automatic transaction apparatus, the registration content at the counter decreases, and congestion at the counter can be avoided. Also in this case, if the registration of the biometric information is performed at the window, a highly secure transaction can be provided.

It is a top perspective view of an automatic transaction device concerning one embodiment of the present invention. It is a block block diagram of the financial institution system using the automatic transaction apparatus of FIG. It is a schematic block diagram which shows an example of the system configuration | structure of the automatic transaction apparatus of FIG. It is explanatory drawing of the biometric information reading part of the automatic transaction apparatus of FIG. It is a schematic block diagram which shows an example of the system configuration | structure of the window transaction terminal of FIG. It is a 1st screen transition diagram in the registration method of the finger vein information of the window transaction terminal of FIG. It is a 2nd screen transition diagram in the registration method. It is a 3rd screen transition diagram in the registration method. It is a 4th screen transition diagram in the registration method. It is a 5th screen transition diagram in the registration method. It is a 6th screen transition diagram in the registration method. It is a 7th screen transition diagram in the registration method. It is an 8th screen transition diagram in the registration method. It is a 9th screen transition diagram in the registration method. It is a 10th screen transition diagram in the registration method. It is an 11th screen transition diagram in the registration method. It is a 12th screen transition diagram in the registration method. It is a control flowchart figure which shows the transaction method by the finger vein information using the automatic transaction apparatus 1 of FIG. It is a continuation of the control flowchart figure of FIG. 7A. It is a continuation of the control flowchart figure of FIG. 7B. It is a continuation of the control flowchart figure of FIG. 7C. It is a continuation of the control flowchart figure of FIG. 7D. It is a 1st screen transition diagram in the transaction method by the finger vein information using the automatic transaction apparatus 1 of FIG. It is a 2nd screen transition diagram in the transaction method. It is a 3rd screen transition diagram in the transaction method. It is a 4th screen transition diagram in the transaction method. It is a 5th screen transition diagram in the transaction method. It is a 6th screen transition diagram in the transaction method. It is a 7th screen transition diagram in the transaction method. It is an 8th screen transition diagram in the transaction method. It is a 9th screen transition diagram in the transaction method. It is a 10th screen transition diagram in the transaction method. It is an 11th screen transition diagram in the transaction method. It is a 12th screen transition diagram in the transaction method. It is a 13th screen transition diagram in the transaction method. It is a 14th screen transition diagram in the transaction method. It is a 15th screen transition diagram in the transaction method. It is a 16th screen transition diagram in the transaction method. It is a 17th screen transition diagram in the transaction method.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... ATM, 10 ... Main body housing | casing, 11 ... Front panel, 12 ... Base housing | casing, 13 ... Front door, 14 ... Back door, 15 ... Operation display part, 16 ... Panel part, 17 ... Table part, 18 ... Card / Invoice handling port, 19 ... Passbook handling port, 20 ... Medium handling unit, 21 ... Handset, 22 ... Biometric information reading unit, 23 ... Bill insertion / discharge port, 24 ... Coin insertion / discharge port, 100 ... Center, 110 ... integrated channel server, 111 ... IB server, 112 ... branch store AP server, 113 ... store visit management server, 114 ... merchandise information server, 115 ... clerk management server, 116 ... customer information management server, 120 ... customer management server, 130 ... New product server, 140 ... Account host, 150 ... HUB server, 200 ... Sales store, 210 ... Store communication system, 201 ... Sales store server, 202 ... Financial device 203 ... Back PC terminal, 204 ... Window transaction terminal, 205 ... Consultation table terminal, 206 ... Information table terminal, 207 ... Consultation terminal, 208 ... Reception terminal, 211 ... Store network, 212 ... ID card, 213 ... Mobile terminal, 220 ... Display unit with touch panel, 221 ... Card unit, 222 ... Passbook details printing unit, 223 ... Transmission control unit, 224 ... Storage device unit, 225 ... Coin deposit / withdrawal unit, 226 ... Banknote deposit / withdrawal unit, 227 ... Power supply unit, 229: Control unit, 251 ... Light source, 252 ... Camera, 253 ... Switch, 254 ... Image input device, 255 ... Input / output interface, 256 ... Input / output interface, 259 ... CPU, 260 ... Memory, 261 ... Finger, 262 ... Control Object 271 ... Light source 272 ... Camera 273 ... Switch 274 ... Image input device 275 ... Input / output interface Ace, 276 ... input / output interface, 279 ... CPU, 280 ... memory, 281 ... finger, 282 ... control target, 283 ... display unit, 284 ... card reader / writer, 285 ... mouse, 300 ... network, 350 ... special center, 360 ... counselor management server, 370 ... counselor terminal.

Claims (5)

A card unit for reading information stored in the card and writing information to the card;
An input section for entering transaction information;
A biometric information reading unit for reading biometric information;
An automatic transaction comprising: a control unit that performs biometric information authentication processing and transaction processing based on information read by the card unit, transaction information input from the input unit, and biometric information read by the biometric information reading unit A device,
The control unit includes means for authenticating the biological information read by the biological information reading unit, transaction information associated with the biological information read by the card unit, and biological information read by the biological information reading unit. An automatic transaction apparatus comprising means for performing transaction processing based on the transaction.   2. The automatic transaction apparatus according to claim 1, wherein the control unit further includes means for associating the authenticated biometric information with transaction information input from the input unit and outputting the information to the card unit.   3. The automatic transaction apparatus according to claim 1, wherein the biometric information reading unit reads finger vein information, and the control unit performs finger vein information authentication and authentication based on the finger vein information read by the biometric information reading unit. An automatic transaction apparatus for performing transaction processing.   4. The automatic transaction apparatus according to claim 3, wherein the control unit associates a plurality of pieces of transaction information input from the input unit with each of a plurality of finger vein information read by the biological information reading unit, and the card. An automatic transaction apparatus comprising means for outputting to a department. A card unit for reading information stored in the card and writing information to the card;
An input section for entering transaction information;
A biometric information reading unit for reading biometric information;
Information including a control unit that performs biometric information authentication processing and information registration processing based on information read by the card unit, transaction information input by the input unit, and biometric information read by the biometric information reading unit A registered terminal,
The control unit associates the biometric information read by the biometric information reading unit with the authenticated biometric information and the transaction information input from the input unit, and outputs the associated biometric information to the card unit. An information registration terminal comprising means for associating and registering information and the transaction information.

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